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It’s not the directionof the wind, it’s the set of the sail.30500 Van Dyke Ave., Ste. 800, Warren, MI 48093(800) 977-9292 | www.fsa1.comFinancial Services of America

I created Financial Services of America in 1984 to teach families about the importance of saving for retirement. Early in my career, I walked into my mom’s living room and found her sitting on the couch crying. My grandfather, her father, had just passed away and she was completely overwhelmed – not just with grief, but also with the sheer number of decisions that needed to be made now that he was gone. My mom and my grandma thought they were prepared; they quickly found out they were not. This left them scared, confused, and scrambling to find answers. It was then that I realized I could make a dierence – not just for my own family, but for others as well. What my mom and grandma needed then is what people still need today: a team of experienced professionals to help with their retirement planning process. No single person can handle all the preparations that go into planning for retirement and beyond – it requires a team approach.Over the next 40 years, I established relationships and created a planning process that oers far more than what most financial professionals oer. Rather than just providing investment advice, we coordinate your investments, tax-eciency, legacy planning, and insurance needs into a comprehensive retirement plan. FSA’s planning process – creating a retirement designed to help clients pursue their financial goals and objectives with clarity and confidence.Something often overlooked in the retirement planning process is the human element. Yes, the numbers are important, but without the human element, your plan will be lacking. Our planning process never lets us lose sight of what matters to you: whether it is your definition of a confident retirement, your bucket list of recreational activities, or your family legacy goals. If it is important to you, it is important to us.My family is the most important aspect of my life: my wife, children, and grandchildren. It is impossible to separate them from my retirement planning process. Family, golf, and entrepreneurial endeavors are some of my passions that define who I am. Let us show you how our planning process can help enhance your retirement by bringing together what is important to you and what you want to accomplish.Richard David JamesCEO and President, Financial Services of AmericaFinancial Services of AmericaA LETTER FROM OUR FOUNDER

Financial Services of America WHO WE ARE JOHN SAUGER Senior Vice President Financial Advisor CRPC Financial Services of America Email jsauger fsa 1 com Phone 800 977 9292 John is a Senior Vice President with over 6 years of experience as an educator prior to joining Financial Services of America FSA in 2004 He graduated from Butler University with a Bachelor of Arts degree in Science and Education John is a Chartered Retirement Planning CounselorSM CRPC professional through the College for Financial Planning He also holds a State of Michigan Life Health and Property and Casualty insurance licenses as well as Series 6 7 24 63 and 65 securities licenses John is a Registered Representative through AE Financial Services LLC and an Investment Adviser Representative through FSA Advisors John is happily married to his best friend and a proud father of three great kids Outside of work he enjoys boating classic cars and following his kid s musical and sports activities BRIAN SWINNEY Vice President Financial Advisor Financial Services of America Email bswinney fsa 1 com Phone 800 977 9292 Brian earned a Bachelor of Science degree in Criminal Justice from California State University Los Angeles He worked in the staffing industry for over 30 years prior to joining Financial Services of America FSA in 2009 He is an Investment Adviser Representative through FSA Advisors Brian holds a State of Michigan Life Health and Property and Casualty insurance licenses as well as Series 65 securities licenses When Brian is not at work he enjoys outdoor activities fishing golfing and traveling and spending time with his grandkids ANTHONY LAROCK Vice President Insurance Professional Financial Services of America Email alarock fsa 1 com Phone 800 977 9292 Anthony attended Kent State University majoring in Business Management with a minor in Finance He started his career in the distribution arena leading into the automotive field Anthony spent 10 years in product engineering development then started his own real estate company In 2009 he decided on a career change into the insurance industry and has never looked back Anthony started out as an independent agent but found his home at Financial Services of America FSA in 2011 He currently holds his Life Health and Property and Casualty insurance licenses Anthony is blessed to be married to his beautiful wife of 25 years They have two children both are civil servants Their son is a firefighter and their daughter an ER nurse They enjoy traveling abroad as a family and collecting sunsets off the back of their boat Investment advisory products and services made available through FSA Advisors Inc FSAA a Registered Investment Advisor Securities products and services made available through AE Financial Services LLC AEFS member FINRA and SIPC Annuity and insurance products offered through Financial Services of America FSA The FSA representative s listed are NOT LICENSED ATTORNEYS or Certified Public Accountants No legal or tax advice will be given by him her regarding your estate plan tax preparation or any other matter We recommend that you always seek the advice of a licensed attorney or CPA regarding estate planning or tax preparation Financial Services of America FSA FSA Health Insurance Agency FSA Tax Accounting FSA Advisors FSAA are own and operated by FSA Marketing Inc FSAM FSAM AEFS and the Law Offices of Benjamin T Vader P L L C are independently owned and operated Chartered Retirement Planning CounselorSM and CRPC are trademarks or registered service marks of the College for Financial Planning in the United States and or other countries

Financial Services of America provides comprehensive retirement planning through a long-term partnership with you. We will consistently and responsibly perform all services related to the design, implementation, and continual monitoring of the FSA planning solutions we implement.A company is only as good as its people. We only employ those who uphold our Core Values: our set of guiding principles. They define the behaviors we expect from everyone we employ, and we make our employment decisions based on these values. Our Core Values were chosen to help ensure our clients receive the best planning and service possible.We Will Always • Acquire a thorough understanding of your financial and personal goals. • Carefully assess and monitor your risk tolerance and time horizon. • Explain the implications of all planning strategies and answer any questions you may have. • Meet with you regularly to review your FSA plan. • Act with integrity and coordinate the eorts of other, related professionals as required. • Update your information regularly and notify you by email, phone, or mail. • Treat you with the utmost respect and professionalism.Financial Services of AmericaOUR PROMISE TO YOU

30500 Van Dyke Ave., Ste. 800, Warren, MI 48093 | (800) 977-9292 | www.fsa1.comOur FSA plan is a comprehensive process that is designed to integrate all areas of retirement planning: financial, tax-eciency, legacy, and insurance. We do not attempt to be all things to all people. We are all things to some people. Our client relationships are built on a very specific discovery process which allows us to partner with clients whose values and needs are in line with our Core Values and experience. By doing that, we provide a World Class client experience that is designed to put all the pieces of our client’s financial plan in place as their life unfolds and their needs evolve.Our clients are open-minded, grateful, and willing to listen to advice. We seek those who are looking to build and maintain a comprehensive, long-term holistic plan and value the advice and wisdom we provide.OUR STRATEGIC ALLIANCES If it’s not integrated, it’s flawed – that is our philosophy on retirement planning. We provide a comprehensive retirement plan through our family of companies including Financial Services of America, FSA Advisors, FSA Tax & Accounting, and FSA Health; as well as through our strategic alliances with estate planning attorneys, mortgage brokers, and other professionals who work closely together to help ensure your success.Everyone has access to qualified professionals, but some of those professionals may only looking at one piece of the retirement puzzle. They aren’t looking at the complete picture. Brokers and investment advisors sell investments or advice through a commission or fee, respectively. Accountants sell tax preparation; lawyers sell legal documents, while insurance agents sell insurance products. With everyone working only on their piece of the puzzle, gaps may occur. These gaps can be costly and may be preventable with a team approach.Financial Services of AmericaCLIENTS WE ARE BEST SUITED TO SERVEBanksBanksFinancial FirmsCompaniesAttorneysCredit UnionsCompaniesInvestmentCPAs / Tax PreparersFSAFSA&&YOUYOUInsurance

An important benefit of creating a retirement of clarity and confidence is that we never lose sight of what we can control. Many things are happening around the world that are far beyond anyone’s control; however, we believe:It’s not the direction of the wind, it’s the set of the sail that matters. Our FSA planning process integrates wealth, tax-eciency, and risk management strategies along with legacy, income, and financial planning. Every plan is unique. There are no square pegs in round holes. We invest our time in you during the discovery phase to understand what is important to you. We then design a customized program tailored to those needs and then deploy your individual plan. Over time, as your needs evolve and your life unfolds, your FSA plan will help ensure that all the pieces of your retirement puzzle designed to fit seamlessly together.Financial Services of AmericaOUR PROCESS

• Income, legacy, and financial planning strategies• Wealth, risk, and tax- eciency strategies• Ongoing service to help provide the foundation that leads to second- and third-generation relationships.Our Planning Process Is Built Around 3 ComponentsDISCOVERY• What is important to you?• What do you want to accomplish?DESIGN• Ways we get you to where you want to be• Which services best fit your needs?• Which strategies will help accomplish your goalsDEPLOYFinancial Services of AmericaTHE THREE D’S

People don’t plan to fail... they fail to plan.