1Securities Offered exclusively through American Portfolios Financial Services, Inc., Member FINRA/SIPC

Private Private WealthWealth Management Solutions Management SolutionsHuntley Financial Services Inc.Huntley Financial Services Inc.

Mark A. HuntleyRegistered Investment Advisor American Portfolios Financial Services

116 Main Street / Suite 5Ludlow, Vermont 05149

888-922-1035 mhuntley@americanportfolios.co

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Am I on track?

How much can I spend without running out of

money?

How much do I need to save?

Do I have enough?

Do I have the right investments?

Are my investments conservative

enough?

Can I reduce my income taxes?

How can I preserve my estate?

Should I pay off the mortgage?

Should I downsize my home?

How much risk do I need to take?

How can I make sure I don’t outlive my

savings?

When can I stop working?

How can I protect my loved

ones if I die?

How can I be protected if disabled?

How do I stay ahead of inflation?

Do I need Long Term

Health Care Protection?

How much should I

leave to my heirs?

Do You Need a Professional Advisor?Do You Need a Professional Advisor?

It might depend on how many of these are It might depend on how many of these are unresolvedunresolved by your current by your current

planningplanning..

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Our Process Seeks to Optimize Returns & Our Process Seeks to Optimize Returns & Minimize Risk...Minimize Risk...

Winning…by not losing-Minimize Portfolio Losses

- Secure Income & Withdrawals during Market Downturns

- Guaranteed Lifetime Income Solutions

- Your peace of mind, is our number one priority

The Five Clear Steps

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Diagnose

Discover

Develop

Deliver

Manage

How Our Unique Process Works:How Our Unique Process Works:

We collaborate comprehensively with our clients toDISCOVER: Clarify where you are, where you want to go, DIAGNOSE: Where there are GAPS?DEVELOP: Your unique plan to BRIDGE THE GAPS DELIVER: Specific Solutions and work through the implementationMANAGE: Systematic approach to tracking and over-sight

Step 1: Step 1: DiscoverDiscover We Work Closely With You To We Work Closely With You To::

Clarify Where You Want to

Go

BB

Fully Understand

Where You Are Now

AATime LineTime LineTime LineTime Line

• Learn About Your Values & Investment Experience • Assess Your Risk Tolerance• Establish Your Income & Liquidity Needs • Review Your Adversity Exposure

• Financial Independence• Business Sale and Transition• Education Funding• Legacy & Charitable Planning• Security & Fulfillment

Using Our “Values-Based” Planning Process

Where You Want to Go

BB

Where You Are Now

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Step 2: Step 2: DiagnoseDiagnose- - We Identify Where There We Identify Where There Are GapsAre Gaps

ANALYSIS• Portfolio Analysis• Income Tax Evaluation• Retirement Plan Review• Managed Risk Assessment

Taking into consideration specific situations, including the unexpected, that may affect your financial future

Bridges The Gaps With As Much Certainty and As Little Risk As Possible

Reflects Your Goals, Objectives, Life Stages and Comfort Range

Where You Want to Go

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Where You Are Now

AATime LineTime LineTime LineTime Line

Step 3: Develop A Client Specific Plan,

Tailored to Your Unique Situation, That:

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Protect Your

WealthProtected Growth &

Income ProgramsNew Insurance

StrategiesConcentrated stock

SolutionsTax Planning StrategiesTax Efficient Investing

Build Your

Legacy

Estate Planning Strategies

Charitable GivingEducation Funding

Professional Trustee Services

Business Succession Planning

Manage Your

Assets

Investment Consulting

Professional Asset Management

Alternative Investments

Cash Management

Tactical Asset AllocationCorporate Services

Steps 4 & 5: Steps 4 & 5: DeliverDeliver & & ManageManage

Specific Solutions With These Specific Solutions With These Objectives Objectives ……

We will develop this plan with you to assure that it reflects yourpreferences, and we’ll make any revisions you may request.

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Mark HuntleyRegistered Investment Advisor®

… … And Work Through the Implementation …And Work Through the Implementation …

Accountant

Estate Attorney

Business Analyst & Succession Planners

Other Local Professionals

By “Conducting” Among Your Various Professionals, with the goal of,By “Conducting” Among Your Various Professionals, with the goal of,Saving You Time, Giving You Confidence and Peace of Mind Saving You Time, Giving You Confidence and Peace of Mind ….….

A Contractual Relationship with

Arms-Length

A disciplined process, toward securing your A disciplined process, toward securing your Financial FreedomFinancial Freedom

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1.Define GoalsAccess Risk

Financial Plan Analysis

2. Go over Investment Policy StatementPut Account Paperwork &

Account Transfers in motion

3. Discuss RecommendationsSet Asset Allocation Targets

Construct Portfolio

4. Implement PlanMonitor and RebalanceContinuing Education

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Our Clients Benefit From A More Controllable Investment ProcessOur Clients Benefit From A More Controllable Investment Process

Define Your Financial Goals

RETIREMENT CASH FLOW ANALYSIS Estimate Rate of Return Needed

- Defines How Much Risk We Need to Take-Provides Feasibility Feedback

-- Establishes Benchmark to Track Progress

IMPLEMENTATION

Balance Portfolio by Asset Classes

MONITOR & ADJUST:

-For Changes in Your Situation

-For Market or Economic Changes

How Much Risk is Needed to Achieve Your

Goals?

How Much Cash & Liquidity for

Comfort?

Initial Meeting and Data Intake

A Comprehensive, Goal-Oriented Team A Comprehensive, Goal-Oriented Team Collaboration

PORTFOLIO REVIEW

Identify Portfolio Gaps & Concentrations

Seeks to Maximize Return Commensurate with Your Risk Level

Defines How Much Liquidity We Need

With How Much Risk Are You

Comfortable?

How Much Income for

Expenditures?

Huntley Financial Services

A Proven Strategy to Building and Preserving Wealth

With our unique approach, you will:Have a comprehensive plan for your retirement and income objectives;Have organized and diversified investments that make sense for your specific situation;Be aware or any potential dangers and have a plan to deal with them effectively;Have a complete estate plan with strategies in place to manage risk;Enjoy greater freedom and security during your retirement;Be working with a financial advisor on a consistent basis to help you stay on track;Protect and grow your money to help you to enjoy life and achieve your dreams

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Our goal: Your 100% satisfaction with the advice and service you receive.

DisclosureConfidentiality

In order for us to give you our best service, it is critical that you be as forthright as possible, providing us with complete and accurate information.

In disclosing this information, you can be assured that we take stringent measures to protect your privacy.

Communication

The success of our long-term relationship, and your long-term investment experience, depends on our maintaining an open, ongoing dialogue.

We will communicate with you regularly, openly and honestly about your financial plan, including applicable costs and fees.

If you have a question or concern about the management of your account, your statement, your fees, or just something you heard from a friend, contact us about it. We are here to help.

Referrals

We focus the majority of our time on our clients, and we are very selective in building our client base. We depend on our best clients to help us grow and maintain a high- quality practice by introducing us to people just like themselves.

If you are satisfied with the level of service we deliver, please consider introducing us to others about whom you care and you feel we could also help.

We will also discuss with you our process for handling these recommendations.

Keys to Our RelationshipKeys to Our Relationship

• Retirees: Provide solutions for secure, dependable lifetime income with inflation protection;

• Pre-Retirees: Develop programs to consistently build assets and identifying tax saving opportunities;

• Business Owners: Optimize personal benefit from business, help assure lucrative disposition or succession;

• Executives: Diversify exposure to employer stock, optimize corporate benefits; • Women Decision-Makers: Develop plan to help achieve financial independence & protect against loss;

• Wealthy: Protect against tax erosion and market loss, meet legacy and philanthropic goals;

• Sudden Affluent: Help assure secure lifetime current income and preservation;

• Professionals: Protect assets against erosion from income & estate taxes, liability potential and market loss;

• Risk Adverse: Provide solutions to achieve investment growth with protection against market loss;

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Profiles of Our Ideal ClientsProfiles of Our Ideal ClientsWe serve a select number of diverse clientele including:

Compliance Disclosures Investing in small-cap stocks generally involves greater risks and, therefore, may not be appropriate for

every investor. Please note that international investing involves special risks, including currency fluctuations, different

financial accounting standards, and possible political and economic volatility. U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity,

offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government.

Standard deviation measures the fluctuation of returns around the arithmetic average return of investment. The higher the standard deviation, the greater the variability (and thus risk) of the investment returns.

Diversification does not ensure a profit or guarantee against a loss. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative

of the U.S. stock market. High-yield (below investment grade) bonds are not suitable for all investors. When appropriate, these

bonds should only comprise a modest portion of your portfolio.

This is neither an offer to buy nor sell any securities. Past Performance is not a guarantee of future results. All information is obtained from sources deemed reliable but not guaranteed. No tax or legal advice is given nor intended. By industry regulation, we cannot accept orders to execute trades via e-mail. In addition, by corporate policy we cannot accept time-sensitive information via e-mail. If you would like to execute a trade or if you have time-sensitive information for me, please call my office. We cannot guarantee receipt of, nor the timing of placement, for investment orders received via e-mail..

Member FINRA/SIPCSecurities offered exclusively through American Portfolios Financial Services Inc.