arket Market up DOWN How does an 8% GUARANTEE sound right now? Perhaps it sounds too good to be true. Over the past 5 years Schechter Wealth Strategies has helped nearly 100 families and endowments design a safe and secure* Annuity Arbitrage Program that has guaranteed favorable returns on millions of dollars. Schechter will consult with you and your advisors on ways to couple a fixed annuity and a fixed life insurance policy that can provide returns above today's bond rates. If you have funds earmarked for the long term and liquidity is not critical, talk to Schechter to learn if you or your parents qualify for this proven wealth strategy. Contact Jason Zimmerman, Senior Managing Director and in about 5 weeks we can find out if you qualify and what your exact yield could be. Program Minimum. $250,000 SCHECHTER WEALTH STRATEGIES UNCOMMON SOLUTIONS to Preserve, Leverage & Transfer 251 Pierce, Birmingham, MI 248.731.9500 i www.schechterwealth.com Jason R. Zimmerman, MBA, CLU Bradley K. Feldman, JD Annette M. Marschall Christopher J. Hale Paul M. Snider Robert M. Heinrich, JD Marc R. Schechter Robert V. Schechter, MBA, CLU, ChFC liana K. Liss Robert F. Boesiger, CPA, JD, LLM "An annuity arbitrage is a guaranteed contract with an investment grade insurance company where payment comes ahead of all non-guaranteed obligations of the company (i.e., cash values in excess of guarantees) as well as payments to stockholders or bondholders' of the insurance companies. Guarantees, ranking, arid benefits provided by life insurance products are subject to Me claims-paying ability of the issuing insurance company.