BUSINESS SUCCESSION PLANNING

A well-drawn business succession plan is vital to a company's
survival. We help you design one that ensures the continuity and
ongoing success of your company and financial security for you and
your family. Once established, your plan is reviewed regularly so it
continues to meet your changing needs. Pappas Financial has worked with
hundreds of closely held and family owned businesses to create solid and
successful succession plans.

Pappas Financial is a financial

services company that

uncomplicates people's

lives. We find out what

the client wants to

accomplish and we find

the right solutions to

ESTATE AND WEALTH TRANSFER PLANNING

As a successful individual, you understand the effort involved in creating and
maintaining personal wealth. But you might not realize how estate taxes can sweep
away half of this wealth. There are only three places your assets can go: to your
family, to a charity or other designated beneficiaries or to the government as taxes.
At Pappas Financial, we help you transfer wealth to your intended beneficiaries in a
logical, orderly and tax-advantaged way.

satisfy their needs.

Necessity may be the

mother of invention,

but Creativity is most

certainly the father.

— Anonymous

GROUP AND EXECUTIVE BENEFITS

To attract and retain the best employees, a competitive benefits program that is well
managed and cost conscious is a necessity. Few companies are equipped to create
and run effective benefits programs. A United Benefits Advisor (UBA) member
firm, Pappas Financial is one of only 142 independent benefit firms nationally with
expertise in group plans and key executive fringe benefits. Our goal is to help you
develop long-term strategies that balance costs and coverage.

Pappas Financial

has served the

specialized needs

of a highly select

client base for

40 years. We work

with high net worth

individuals, closely held

private businesses

and public corporations-

designing creative,

cost effective strategies

that help our clients grow,

preserve and transfer their:::: —

wealth while meeting their -

personal and business goals and_

s

minimizing tax conse ue

WEALTH MANAGEMENT, INVESTMENT AND
RETIREMENT PLANNING

Navigating the complexities of the financial markets has become increasingly
difficult in these uncertain times. We work closely with you to guide you
through your personal and corporate investment and retirement planning
needs. A unique component of our investment philosophy is the addition
of alternative, absolute return strategies, including hedge funds,
managed futures, real estate, oil & gas, currencies and other hard
assets. By including these alternatives in a well-diversified, traditional
portfolio, we can deliver portfolio returns with a smoother
investment ride. The result is improved financial security and
organization for you.

