INDIVIDUAL FINANCIAL PLANNING SERVICES

• ASSET MANAGEMENT
• RETIREMENT PLANNING
• ESTATE PLANNING
• COLLEGE PLANNING
• PORTFOLIO REVIEW
• COMPANY STOCK DIVERSIFICATION PROGRAM

SMALL BUSINESS RETIREMENT PLAN SERVICES

• RETIREMENT PLAN CONSULTING & IMPLEMENTATION
• RETIREMENT PLAN INVESTMENT SELECTION
• RETIREMENT PLAN EMPLOYEE EDUCATION

USING YOUR INVESTMENT DOLLARS EFFICIENTLY

INDIVIDUAL FINANCIAL PLANNING

ASSET MANAGEMENT

Proper allocation and management of your investment assets is critical to your portfolio success. If you do not have the knowledge, time, experience and desire to manage your own investment assets, HFG can assist you at whatever level of service you require. You can choose from:

LEVEL ONE - TRACKING and REPORTING
HFG will track all of your investment activities and report your overall investment position on a quarterly basis as well as meet with you to discuss actions you may want to consider.

LEVEL TWO - CONTINUOUS MONITORING
This level consists of all of the services in Level One, plus HFG will continuously monitor any of your investment assets you desire and contact you whenever we feel a change should be made.

LEVEL THREE - TOTAL MANAGEMENT
This final level is total management. Not only will we service you as in the case of Level Two, but HFG will maintain discretionary authority over any of the accounts you desire, so trades can be made without burdening you with any investment decisions.

RETIREMENT PLANNING

Retirement, we all dream about it. Whether these dreams turn into a wonderful reality or a horrendous nightmare can very well be decided years earlier. HFG can develop a sound retirement plan for you based on your goals and aspirations. Our only objective is your retirement well being. Our service includes:

• The development of a year by investment projection based on your current investments, anticipated retirement savings and assumed rates of return forecasting your ability to retire at the age of your choice.
• Analysis of your current investment position to determine how it fits with your retirement plans.
• The preparation of an easy to understand report on your own specific situation discussing your ability to retire and changes you should consider pertaining to your retirement plans.
• Meet with you to go over the report and the investment projection, and to answer any questions you may have regarding your retirement plans.
• HFG can implement the investment recommendations, at your request, by opening a brokerage account or accounts at Schwab Institutional.

ESTATE PLANNING

Estate Planning is a team effort. If requires the active participation of the client as well as the skills and expertise of your legal, financial and investment advisors. With HFG you enjoy the benefit of expert estate planning advice coordinated with the other areas of your financial position including taxes, investment portfolio and plans for your financial future.

HFG is not a law firm and does not prepare any required legal documents. We do, however, prepare you to work effectively and efficiently with your legal advisor. Our starting point is to demonstrate how important estate planning is to you by identifying how poor or no planning may effect the financial security of a surviving spouse and your heirs. Our estate planning service:

• Ensures that your will includes appropriate basic estate planning techniques and assesses how your current financial assets will be affected by it.
• Projects estate taxes with and without basic estate planning calculated for death at the present time and at your life expectancy.
• Creates a report discussing our findings and recommendations.
• In additional to providing a written action plan, we'll meet with you to discuss our findings and how to implement the recommendations along with educating you on basic estate planning techniques. 
• Implements any recommendations relating to your current investment position.
• Can recommend one or more legal advisors, if you do not have one, to prepare any of the required documentation.

COLLEGE PLANNING

College is an expensive proposition. Such costs pale, however, when measured against the earnings loss for those who cannot obtain a higher education. If the price of an education for your child or grandchild is of concern to you, the solution is to start a college savings plan as quickly as possible.

HFG can help. Our College Planning Service includes:

• Forecasting your college funding needs.
• Estimating the investment needed today, or the annual investments needed to pay for this education.
• Comparing the needed resources to the current investment assets.
• Recommending an action plan for achieving the college funding requirements.
• In additional to providing a written action plan, we'll meet with you to discuss our findings and recommendations, as well as, to help educate you as to the types of financial aid that may be available.
• At your discretion, implement investment recommendations through our relationship with Schwab Institutional.

PORTFOLIO REVIEW

With all of the financial instruments available to you these days, it is critical that you use these instruments in an organized and well-thought out manner maximizing the return based on the risk level you are willing to accept. HFG's Portfolio Review Service includes:

• Reviewing Your Portfolio to Determine - 
• If your asset allocation between income and equity investments is correct for your age and the risk level you are willing to accept.
• Is your equity portion of the portfolio properly diversified between various sectors and specific companies.
• How well has your portfolio, as well as the individual investments, performed in the past compared to market benchmarks?
• Are your mutual funds, when combined, invested in the same companies creating significant duplication, or do you have a good diversification of companies and sectors in your mutual funds?
• Preparation of a detailed report documenting our findings and recommendation.
• At your option, implementing the recommended actions.

A portfolio review is an excellent way for you to gain an independent point of view regarding your financial situation without any product bias as Helmsman Financial Group does not receive any compensation on any of the products they recommend.

COMPANY STOCK DIVERSIFICATION PROGRAM

Many of our clients, lucky enough to work for a company that has rewarded their hard work through company stock or stock options, have recognized that having all of their financial "eggs" in one basket dramatically increases the risk to their economic future. Most recognize instinctively that they need greater diversification. Diversification, however, can be a very tricky process requiring the guidance of experts in tax, estate planning and investments.

Working with your CPA, or one we will recommend to you, HFG can assist you in accomplishing this diversification process through our Company Stock Diversification Program that includes the following services:

• Review of your specific option program and grant.
• Analysis of your current tax situation and company stock position.
• Development of a multi-year diversification plan specific to your situation and asset allocation needs.
• Recommendations as to the level of stock to sell and/or options to exercise each year to minimize taxes and maximize diversification.
• Recommendations as to how the proceeds from the stock sale should be invested to result in a balanced portfolio specific to you needs. 
• Assistance in the implementation of the recommendations.

SMALL BUSINESS RETIREMENT PLAN SERVICES

RETIREMENT PLAN CONSULTING & IMPLEMENTATION

High quality employees are in demand. To attract and keep them you need to offer competitive compensation and benefits. After medical insurance, the most popular employee benefit is the retirement plan. The problem that most small business face is that they don't know how to begin. Without proper guidance, implementing such a plan can be a time consuming and stressful exercise for an employer. HFG can help you offer your employees attractive retirement programs that help protect their financial future while providing you with potential immediate tax savings. HFG's full Company Retirement Plan Service includes the following:

• Consulting with you to determine the most beneficial plan for your Company as well as your employees.
• Assisting you in selecting the most appropriate prototype plan (i.e. SEP-IRA, SIMPLE, 401(K) (etc.) or working with you and your attorney in developing a custom made plan.
• Selecting the investments to be used in the plan.
• Meeting with you and your staff to review the selected plan and sign up procedures, along with conducting the needed employee investment education.
• Implementing the plan with the selected custodian for the plan.

RETIREMENT PLAN INVESTMENT SELECTION

Your Company may already have decided on the type of retirement plan you are going to offer to your employees. You don't, however, have the time, desire or knowledge to select the range of investments to be used by your employees. HFG can select a range of investments to fit your employees' needs while at the same time making sure that you are fulfilling your fiduciary responsibilities under ERISA rules. 

Since HFG receives no compensation from any products that it recommends, all selections are made on an independent scientific basis based only on your employee needs and ease of administration.

RETIREMENT PLAN EMPLOYEE EDUCATION 

We live in a complex world financially. Couple this with the movement towards making employees responsible for their own retirement plan investment decisions, and you, as the business owner, have a tremendous responsibility in education your employees as to how best to invest their retirement assets. HFG can develop an education program based around your employees and available investment options in the specific retirement plan. Such an education program would include sections on:

• Basic investment education.
• Proper asset allocation based on age, personal objectives and risk tolerance.
• Specific information pertaining to the available investment instruments available in the retirement plan.
• Process for developing a retirement portfolio.

USING YOUR INVESTMENT DOLLARS EFFICIENTLY

As a fee based financial planning firm and Registered Investment Adviser, HFG receives no compensation on any of the investment products recommended, so all advise is independent and in the best interest of our clients. In addition to this independence, working with HFG is a very efficient way of utilizing your investment dollars, saving you money.

As an example, let's assume that you have a retirement plan rollover and you need advice as to how to invest it. You could purchase "loaded mutual funds" from which your broker receives a commission based on the amount and product you purchase, or you could work with HFG on an hourly fee or contract basis, then purchase the recommended products on a "no load" basis. Although, every client situation is unique to us, we would estimate that our cost for this work would approximate $2,500 and resulting in the following hypothetical comparison.

 Your money is precious, use it wisely.