Sell High Buy Low . with Life Insurance? With stocks, bonds and real estate, "Buy Low — Sell High" involves market speculation. Not with Life Insurance. Institutions are now buying existing policies. You and your family can generate significant dollars by capitalizing on spreads between the purchase price and sale price of policies. Since 1939, Schechter Wealth Strategies has been quietly working with families and their advisors using life insurance in sophisticated and uncommon ways. Schechter is one of a few elite firms in the country that has a multi-disciplined team of JDs, CPAs, CLUs and MBAs applying their expertise to: Generate Transfer Leverage Reduce Sell Cash Flows in Excess of Fixed Income Market Yields Wealth with No Gift or Estate Tax Consequences Philanthropic Gifts Costs of Existing Life Insurance Portfolio Unwanted Existing Policies Call Schechter. Buy Low. Sell High. Be Smart. Robert Schechter, MBA, CLU, ChFC • Jason Zimmerman, MBA, CLU • Marc R. Schechter • Robert V. Heinrich, JD • Paul Snider Robert F. Boesiger, CPA, JD, LLM • Bradley K. Feldman, JD • Ron Dumars • David Elkin, JD, CPA • Kelli Saperstein • liana Liss SCHECHTER WEALTH STRATEGIES UNCOMMON SOLUTIONS to Preserve, Leverage & Transfer 251 Pierce, Birmingham, MI • 248.731.9500 • www.schechterwealth.com Ai November 8 • 2007 A37