R.O.I. PERSONAL SEMINAR About R.O.I. Compensation and Financial Motivation Investment Return History Retirement Planning Oath and Values How you can request.

R.O.I. PERSONAL SEMINAR

•About R.O.I.•Compensation and Financial Motivation•Investment Return History•Retirement Planning•Oath and Values•How you can request more information

ABOUT R.O.I.

• “Return on Investment”• Ron Olson = 35+ Years• R.O.I. = Since 1992• Stability

ABOUT R.O.I. (continued)

“FAMILY MANAGED, OFFICE IN THE HOME” MODEL•Very Attentive•Comprehensive Service•Experienced Experts•Very Competitive Costs•Electronically Linked

ABOUT R.O.I. (continued)

• A Second Generation FP/IA Business

• Very Rare• Same Place 20 Years –

Virtually Impossible• Experienced Second

Generation to –

Take Care of Clients, and

Clients’ Succeeding Generations

ABOUT R.O.I. (continued)

With BEN, RON AND GRANT YOU GET:

• Bachelor Degrees in Accounting and Business

• Master Degrees in Accounting and Business

• A Doctorate Degree in Law• Two Certified Financial

Planners, and one CPA• Call R.O.I. – Talk to Grant,

Ben or Ron!

• Grant & Ben – Age 13• Full-Time –

Grant – 2003Ben - 2005

ABOUT R.O.I. (continued)

FIDELITY INVESTMENT ADVISOR NETWORK – 1992

•Most, quality no-load, no-transaction fee MFs;

•Best service to small Investment Advisors

Network = Single Doorway to:

•Dozens of MF Families;

•1000s of no-load, no-transaction fee MFs

TWO QUESTIONS:1. Where has your advisor been for the previous 20

years?

2. Where is your advisor likely to be for the next 20 years?

With R.O.I., the answer to both of these questions is the same, i.e., the same firm and the same offices.

STABILITY!!!

ABOUT R.O.I. (continued)

• Not Only The Wealthy• Full Disclosure• Minimize Conflicts of Interest

ABOUT R.O.I. (continued)

COMPENSATION = BEST OVERALL INTEREST OF CLIENTS1. Fully discloses all compensation; and,2. Minimizes conflicts of interests.

R.O.I.’s Pledge = “Take Care of You” for a long time

Handsomely rewarded = When pledge is accomplished

R.O.I. ‘S TWO MAJOR SERVICES TO CLIENTS:

1. Comprehensive Financial Planning; and,

2. Active Investment Management

(More detail? Click “Services” button in the left hand column.)

ABOUT R.O.I. (continued)

COMPENSATION & MOTIVATION

“FEE BASED”

1. A disclosed “bargain” fee for a “financial plan”, and/or a percentage of assets managed;

ANDAND,,

2. Not disclosed product commissions that are several times larger than the disclosed fees.

R.O.I. is NOTNOT compensated on this basis!!!!

FEE RETAINER RELATIONSHIP – 100% Disclosed

THE FEE• Percentage of managed assets• Paid MORE if managed assets grow• Paid LESS if they decline• “Family Managed, Office In The Home” model• Competitive Initial Fee Percentage• Rapidly Declining Fee Schedule

COMPENSATION & MOTIVATION(Continued)

1.25% of first $250,000 of managed assets

1.00% of next $250,000 of managed assets

0.75% of next $250,000 of managed assets

0.50% of next $250,000 of managed assets

0.25% of many assets in excess of $1 mill

For example, a client with a $1,250,000 portfolio would pay, per year:

COMPENSATION & MOTIVATION(Continued)

= $3,125, plus

= $2,500, plus

= $1,875, plus

= $1,250, plus

= $ 625

= $9,375/year, or 0.75% of $1,250,000.

SAMPLE “FEE BASED” ADVISOR• Disclosed “bargain” $500 fee for the “Financial Plan”

ANDAND,,• Not Disclosed 4%-8% Commission ($50,000 to

$100,000!!!!)

• R.O.I. = 5-10 YRs of Continuous Satisfactory Service

COMPENSATION & MOTIVATION(Continued)

THE BIG QUESTION:

After receiving the undisclosed, up front $50k-$100k commission, is the “Fee Based” advisor motivated to care for the client for 5-10 years, or to sell another annuity to someone else and make another huge undisclosed commission?

Who is paying your “advisor” to do what?Who is paying your “advisor” to do what?

Are you paying your“advisor” for what

you want doneyou want done?

OROR

Is someone else usingyour $ to pay your “advisor”

to sellsell theirtheir productsproducts?

ROI: 1-801-785-3254, www.roionweb.com

POSSIBLE CONFLICT OF INTEREST:

Because R.O.I. is paid ONLY on a percentage of managed assets, a conflict could arise relative to R.O.I.’s advice about a client’s use of or allocation of manageable assets (but see Oath and Values, infra).

COMPENSATION & MOTIVATION(Continued)

INVESTMENT RETURN HISTORY

R.O.I.’S INVESTMENT MANAGEMENT OBJECTIVES:

(1) Participate in Up Markets;

AND,

(2) Control Participation in Down Markets

ACCOMPLISHING BOTH MAKES IT EASIER FOR CLIENTS TO:• Reach long-term investment accumulation needs; and,

• “Sleep better”

TIME TIME

PASSIVELY MANAGED S&P500PASSIVELY MANAGED S&P500

$1.001/1/99

+21%

$1.211/1/00

-51%

$0.5910/10/02

+10

5%

$1.21??

ACTIVELY MANAGED PORTFOLIOACTIVELY MANAGED PORTFOLIO

$1.001/1/99

+32

%

$1.321/1/00

-21%

$1.0410/10/02

$1.21??

+16

% 5/20/03 =$1.215/20/03=$0.68

8/18/03 = $1.328/18/03 = $0.74

• The first objective of “Participating in Up Markets” was accomplished.

• The second objective of “Controlling Participation in Down Markets” was accomplished.

• Once again, the first objective of “Participating in Up Markets” was accomplished.

ROI: 1-801-785-3254, www.roionweb.com

When comparing different firms’ investment performance,When comparing different firms’ investment performance, it is better to rely upon:it is better to rely upon:

Long-term Actual Returns

Short-term

ANDAND

OROR Theoretical Returns

NOT

ROI: 1-801-785-3254, www.roionweb.com

R.O.I.’S LONG-TERM AND ACTUAL RETURNS*R.O.I.’S LONG-TERM AND ACTUAL RETURNS*

YEAR199519961997199819992000200120022003200420052006200720082009

YEARLY % RETURN24.66%15.49%17.99%10.39%32.42%-1.99%-4.91%-7.32%30.81% 10.95%10.00%16.42%13.68%-32.60%25.33%

ACCUMULATED % RETURN24.66%20.08%19.38%17.13%20.19%16.49%13.44%10.84%13.06%12.85%12.59%12.91%12.97%9.71%10.75%

* Based upon most common client allocation in actual client’s IRA account that has no new contributions or withdrawals.There can be no assurance that these returns will be obtained in the future – all ROI can promise is our best

efforts to Participate in Up Markets and Control Participation in Down Markets.** Assumes $100,000 initial investment.

ACCUMULATED $ RETURN**$124,660$143,970$169,870$187,520$248,313$243,372$231,422$214,482$280,564$311,286$342,415$398,640$453,173$305,438$382,806

RETIREMENT PLANNING3 PRIMARY RETIREMENT PLANNING CONCERNS:1. Outliving Income;2. Retirement Income Does Not Keep Up With Reality;3. Dealing With Life’s Contingencies.

QUESTION: Which is the most important concern?

ANSWER: The one you are currently facing.

SOLUTION: A high likelihood of success for all three concerns. A plan that –

1. Provides reliable income at reduced life style = o.k. to sustain life;

2. Provides comfortable life style & future dependence = unwise;

3. Cannot adjust to the contingencies of real life = dangerous;

4. Provides high likelihood of reliable income, comfortable life style AND can adjust to contingencies of real life = ideal.

R.O.I.’S RETIREMENT PLANNING STRATEGY

First Step: Determine actual projected dollar withdrawals via –

1. Comprehensive Financial Plan; or,

2. Committing to Specific Future dollar withdrawals.

Second Step: Emergency fund; home equity line; 72 hour kit;

Third Step: Short-Term & Long-Term Accounts – administer as

1. Current year withdrawal in client’s possession;

2. Short-Term Account = 3 more years of future withdrawals;

3. Long-Term Account = Beat inflation and taxes;

4. Annual Review;

5. Short-Term & Long-Term Accounts = Liquid/Contingencies.

RETIREMENT PLANNING (Continued)

Client’s In In Long-

Annual Client’s Term

Review Possession In Short-Term Account Account

Current Current yr’s Use a 3 yr allocation & fully fund Balance of year. w/drawal 3 yrs’ of w/drawals from L-T Act Portfolio

1 year Current yr’s (1) If markets up, use 3 yr allocation Balance ofhence w/drawal & fully fund 3 yrs’ from L-T act; Portfolio

from S-T (2) If markets down, use 2 yr allocationaccount & fund 2 yrs’ w/drawals

2 years Current yr’s (1) If markets up, use 3 yr allocation Balance ofhence w/drawal & fully fund 3 yrs’ from L-T act; Portfolio

from S-T (2) If markets down, 100% in cashaccount & fund 1 yrs’ w/drawals

3 years Current yr’s (1) If markets up, use 3 yr allocation Balance ofhence w/drawal & fully fund 3 yrs’ from L-T act; Portfolio

from S-T (2) If markets down, client “tightensaccount belt” & fund 1 yrs’ w/drawals from L-T act

THIS STRATEGY PROVIDES A HIGH LIKELYHOOD OF:

1. Reliable income for life;

2. Retirement income that beats the effects of inflation and taxes;

AND

3. Successfully deals with life contingencies.

RETIREMENT PLANNING (Continued)

We won’t take time in this “Personal Seminar” to review R.O.I.’s NAPFA Oath and Values. But please take time to click on the “NAPFA Oath and Values button in the left hand column.

NAPFA is an acronym for “The National Association of Personal Financial Advisors”, the only authorized, national association of “Fee Only” Financial Planners and Investment advisors.

R.O.I. is a member and faithfully incorporates NAPFA’s Oath and Values in its practice.

OATH AND VALUES

REQUEST MORE INFORMATION

We hope this “Personal Seminar” has been enlightening. If you have any questions, or would like to personally visit with Grant or Ben Olson, please click on the “Request More Information” button in the left hand column, to send an email, or call us at 801-785-3254.

Thanks for connecting with R.O.I. on the web!!!!