MILLENNIAL

INVESTING

FACTS, MYTHS, AND A WAYTO KEEP MONEYACCESSIBLE

INVESTING 101

PROPHET'S

EDGEPROPHET'S ADVANTAGEIS YOUR ADVANTAGE

MAKE A HOUSE

YOUR HOMEFINANCING YOUR HOME WITHA ROTH IRA

THE UPSIDE

OF A CRASHBE ON THE SIDETHAT IS SHORTINGTHE MARKET

This information is not intended as tax advice. Tax information is based on

federal income tax law. State and local income tax laws may differ. Please

consult your tax advisor about your particular situation. Savior LLC

representatives are not tax advisors. This does not constitute a

recommendation of any investment strategy or product for a particular

investor. Investors should consult a financial professional before making any

investment decisions

Savior LLC Presents:

INVESTING101

Millennials need to investdifferentlyCollegenounFour years that prepare you for the realworld by crushing your next decadefinancially. Ah, college. What a beautiful time.Unfortunately that time ends abruptly andyou are thrown into the real world oftenwithout one crucial piece of information:how to manage your money and invest foryour future. Let this guide be your classon investing. We will spare you the tuitioncost! Lesson #1: Know the Rules

Imagine this: You come out of collegewithout being taught anything related tomoney management or investing and youdon't have a cell phone or a computer toaccess. Welcome to our parents'generation! No wonder we have seen twoof the worst market crashes in historywithin the last decade or so. For thisreason, any advice you have heard, youmay want to take with a grain of salt. Forinstance, Roth IRAs. How much do youknow about them? They are a great butsometimes misrepresented way to saveand invest. Let's look at the facts!

FICTIONFACTS

I can't access the moneyI contribute

You can take all of yourcontributions out at any

time, tax-free!

I need to contribute themaximum each year

I have to wait 5 yearsbefore being able to

access my funds

Anything you contributeis accessible at any time.

Gains can also bewithdrawn at a 10% taxpenalty (only charged

on the gainsthemselves)

You can contributeanything from $0 to

$6,000 each year

V E R S U S

MILLENNIAL ROTH IRA EDITION

I can't open up a RothIRA without speaking

with a financial advisor

You can open one easilyfor free within 15

minutes atwww.prophetedge.com

PRESENTED BY PROPHET EDGE

FICTION FACT

All rules related to the establishment or maintenance of a Roth IRA plan are not included in this

summary. Additional rules may also apply if an investor maintains multiple IRA plans. Please

consult your tax advisor for detailed information. Savior LLC representatives do not provide

investment or tax advice.A Roth IRA is an IRA that, except as explained below, is subject to the rules that apply to a

traditional IRA. Contributions to a Roth IRA are not tax deductible. If you satisfy the requirements,

qualified distributions are tax-free. You can make contributions to your Roth IRA after you reach

age 70 ½. You can leave amounts in your Roth IRA as long as you live. The account or annuity

must be designated as a Roth IRA when it is set up.  The same combined contribution limit applies

to all of your Roth and traditional IRAs. (IRS)

ROTH IRABELIEFS

Old: Retirement ProgramNew: Investment SavingsAccountThe biggest myth believed by a vast majority ofpeople is that the money you invest in a Roth IRA isnot accessible without a large penalty. Ask anyoneyou know and there is a great chance they willbelieve this. The fact is that this could not be furtherfrom the truth! Depending on the Internal RevenueCode rules, and on qualifications, every dollar youput in a Roth IRA may generally be wired back to youwithin a week of request, tax and penalty free! Thisis because the money you put into the account hasalready been taxed. What would be taxed andpenalized is if you went above and beyond yourdeposits and withdrew your gains on your deposits;this would be taxed at your normal income level plusten percent. However, there are ways around this aswell. You are able to access up to $10,000 of gainsat any time, tax and penalty free, in a few differentscenarios: to pay for ongoing student expenses (notloans), medical expenses that are above 10% of youryearly income, or for a first time home purchase.Think about that for a minute. Get those wheelsturning, and go to the page to see why this matters!

Investors under 59½ years of age, contributions can be withdrawn tax free. Withdrawals from your Roth IRA will only be classified as

qualified distributions if it has been at least five years since you first opened and contributed to your Roth IRA, regardless of your age

when you opened it. For investors aged 59½ to 70½ years of age contributions can be withdrawn tax free. Investment earnings can also be

withdrawn tax free as long as the account has  been open for at least five years from  the Jan. 1 of the tax year for which a contribution

was first made. For investors over 70½ years of age Contributions can be withdrawn tax free. Investment earnings can be withdrawn tax

free as long as the account has been open for at least five years from the Jan. 1 of the tax year for which a contribution was first made.

FOOTNOTE: The IRS treats a Roth IRA withdrawal made more than five years after the first tax year in which you made a contribution

(including earnings) as a “qualified distribution.” This means it is not taxable or subject to a penalty as long as you satisfy one of these

qualifying conditions: You’re at least 59½, you become disabled or pass away, or you use the withdrawal (up to a $10,000 lifetime

maximum) to pay for a first-time home purchase.

Source: IRS Publication 590-B (2018)

MAKE AHOUSE YOUR

HOMEThe secret power of theRoth IRALet's look at that last part again: youcan use that $10,000 tax and penalty-free gains for your first house. Anycontributions, meaning anything youput in the Roth IRA account, may beaccessible to you at any time, givenIRS rules and guidelines. The RothIRA can essentially be a split betweena savings account and a retirementaccount, as opposed to strictlysomething you cannot touch withoutpenalty. This little known advantagemay be useful to you. Why have morethan a few thousand in the bankearning a fraction of one percent whenyou could have it invested in themarket which has returned an averageof 10%*? You may ask yourself, "why not justopen up a regular brokerage account? The reason the Roth IRA is best foryour first $6,000 per year is that thegains grow tax-free.

Instead of paying the governmentanywhere from 10-30% or so of yourgains each year, you are letting thatamount continuously compound untilyou decide to withdraw the money. Let the math work in your favor.When it comes to buying a home,$10,000 for a deposit won't get youmuch (actually it could get you a$350,000 home with a 3.5% FHA firsttime home-buyers loan, more on howto use that to your advantage at a laterdate) Every dollar you put in yourinvestment account is tax and penaltyfree and can be accessed within aweek of request. By using the RothIRA more as a savings account, youare already saving for your futurewithout being locked into anything!

*Not inflation adjusted

Source: Nerdwallet, https://www.nerdwallet.com/blog/investing/average-stock-market-return/

Graduation!Time to WorkYear 0

Year 3

Have saved$18k

Land YourDream Job

Year 6

Year 9

Buying YourFirst House

0 1 2 3 4 5 6 7 8 9

$80,000

$60,000

$40,000

$20,000

$0

Open RothRIA Account

Buying a House After 9 Years

Using Tax and Penalty-Free Money

Roth IRA ValueTotal invested $54,000

TWOOPTIONS

Hypothetical Scenarios if youstart your Roth IRA at 22

Starting a Roth when you are young gives youa jumpstart on savings. Whether you end upusing this money to finance your house orsave it til retirement, you may be puttingyourself in a position for success. Let's lookat two hypothetical scenarios.

You have spent 9 years investing in a RothIRA. Your partner you met in your latetwenties loves how thoughtful you are aboutthe long term, as he or she also has his/herlife together. You two are looking to buy yourfirst house. Let's take a look:This graph is based on:

A 10% appreciation in investments eachyearContributing $6,000 each year in your RothIRATaking $10,000 of gains tax and penaltyfree for houseTaking your principle out plus the $10,000in tax and penalty-free gains

HYPOTHETICAL TIMELINE 1:BUYING A HOUSE AFTER 9

YEARS OF INVESTING

Amount Left in Account$25,624.75

Amount for House*:$64,000

*Amount for House equationPrinciple + 10k tax/penalty free

This is a hypothetical mathematical equation and not correlated directly to market action. Themath used, as labeled above, is 10% increase in value of investments each year, $6,000 at thebeginning of each year being invested in Roth IRA, and a withdrawal after 9 years of yourprinciple $54,000 plus your $10,000 available from tax free gains, per IRS Guidelines

Graduation!Time to Work

Year 0

Land YourDream Job

Year 6

Year 9

Married!

First Child!

Year 10

Year 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

$3,000,000

$2,000,000

$1,000,000

$0

Year 37

Turn 59 1/2,can withdraw

fundswithout tax

penalty

Retire!

Year 40

Roth IRA Value Total invested: $240,000Value at retirement: $2,921,110.87

Easy Way to Make

$3 Million

HYPOTHETICAL TIMELINE 2:KEEPING YOUR MONEY IN

YOUR ROTH IRA

Maybe you decide you want to keepyour money parked in your Roth IRA,and instead find other means to buyyour first house. This graph is basedon:

A 10% appreciation in investmentseach yearYou invest $6,000 each year in yourRoth IRAYou do not touch the money in yourRoth IRA until you retire

In this scenario, you decide to retire at62 years old. You have invested$6,000 of your income each year intoyour Roth IRA, and finally get to sitback and enjoy. Your Roth IRAaccount is now worth nearly $3 Milliondollars, even though you have only putin about 8% of that over your lifetime,and is accessible penalty-free and tax-free. Maybe the reason you are able toretire a success at 62 is because youbegan investing when you were 22. Ifyou are older, don't fret! you may makeup for time lost by opening up both aRoth and Traditional IRA.

Year 13

Twins!

This is a hypothetical mathematical equation and not correlated directly to market action. Themath used, as labeled above, is 10% increase in value of investments each year, $6,000 at thebeginning of each year being invested in Roth IRA

NO LOCKS ONYOUR MONEYWe'll give you the keys tostaying liquid while investing

Sometimes, there are many variables toconsider when investing in your twentiesand thirties. A scenario that may havestopped some from investing is the abilityto access their money quickly. It is ouropinion that this, along with not knowingoptions, may be why millennials are suchlate starters when it comes to investing. itdidn't help that some also saw theirparents lose their shirts during theFinancial Crisis of '09. Fortunately we areproposing a solution to these problems:Savior Wealth, through our platformProphet Edge, gives you access to yourcontributions in a Roth IRA at any time, perIRS rules and guidelines. We manageyour money with the same care andattention we give to our multi-million dollarclient accounts. We are a fiduciary,meaning every decision we make must bewith your best interests at heart. Let's look at your upcoming expenses tosee why you should start saving with usnow!

Source: IRS Publication 590-B (2018)

I F Y O U W A N T T O H A V EA B E T T E R

P E R F O R M A N C E T H A NT H E C R O W D , Y O UM U S T D O T H I N G S

D I F F E R E N T L Y F R O MT H E C R O W D

- S I R J O H NT E M P L E T O N

P R O P H E T E D G EO u r A d v a n t a g e i s Y o u r A d v a n t a g e

At this point, you may have a clear

picture of how Prophet Edge

operates. You will not get the same

portfolio as the hundreds of other

automated advisors out there. You

will not be put in a standard

diversified portfolio where you ride the

waves of the market. If this is what

you want, you may not need to invest

with any advisor.

You could buy the S&P 500 ETF* and

avoid advisory fees. However,

Prophet Edge does not believe this is

near to optimal. The goal is always to

beat the competition. Prophet Edge's

strategy aims to create an

environment with increased upside

and decreased downside. We provide

you with a way to invest like the

billionaires without paying the high

price of advice!

*E.g., The iShares Core S&P 500 ETF seeks to track the investment results of an index composed of

large-capitalization U.S. equities.

TIMING THEMARKET

Rethinking the flawed "Youcan't time the market"argument

"You can't time the market." It's been saidthousands of times by investors,institutions, advisors, and the like. It'soften muttered when an opportunity ismissed or money recently invested issubject to a market crash. But wait, let'stake a step back and actually evaluate thisphrase. If this was true, it would mean thatwhether you buy today, buy in a month, orbuy in a year from now, you would havethe same probability of success or failurein your investment, and for this reason youshould invest today to give yourinvestment the longest time to grow. If youtake all factors out of an investment, bythis I mean the underlying asset, thepolitical landscape, the current economictrends, the Fed, the history, the humannature, and virtually everything else, thenset a standard, nonfluctuating increase onthis investment that only trends flat in apositive direction, then yes, you can't timethe market. However, I suppose in thisexample you could actually time themarket, and that would be to put yourmoney in the first moment you are able to!

Here is a great example of how

timing the market actually works

using technical analysis. Two of

the widely accepted indicators are

the Golden Cross and the Death

Cross. Both have to do with moving

averages; typically the 200 day and

50 day moving averages are used.

When the shorter of the averages

crosses downward past the larger

timeframe, it is a bearish signal.

When the shorter moving average

crosses to the upside, it is

considered a bullish signal. As you

can see, you perhaps may have

been able to use such analysis to

discern timing as it relates to the

Financial Crisis of 2008-2009

almost completely. These, along

with many others, are the types of

indicators that Prophet Edge uses

when considering a trade.

Pictured: S&P 500 2007-2010, Source: Yahoo Finance

S&P 500: Signaled the Crash

Purple: 50 Day Exponential Moving AverageBlue: S&P 500

Green: 200 Day Exponential Moving Average

Death Cross

Sell Positions

Golden Cross

Buy

The golden cross is a pattern that is a bullish signal in which a relatively short-term moving average crosses

above a long-term moving average.

The death cross is a technical chart pattern indicating the potential for a major selloff. The death cross

appears on a chart when a stock’s short-term moving average crosses below its long-term moving average.

Up until now, our professional

investment management was

available only for the select few

who had a significant amount of

liquid assets. Now, with our

automated investment platform

Prophet Edge, we can help

millions of people reach their

financial goals!

In a matter of 15 minutes, you

can set up a Roth IRA or any of

the other account types listed on

our platform and deposit funds.

We require a much lower barrier

to entry with this platform; the

initial investment necessary is

only $5,000. For this amount,

you will get what is termed

"white glove" treatment. On the

next page we will explore this

term and how this plan may be

great for you!

MAKING THEBEST

ACCESSIBLEHigh Net Worth Investing forEveryone

THE WHITEGLOVE

TREATMENTHow our automatedplatform works for youFirst, let's talk about what "whiteglove" means. In this instance, theterm is used to describe a situationwhere the user is connected to anautomated platform, but in the backend a human is making thedecisions. Most investingautomated and robo platforms donot have a human element; youcomplete a series of questions, arisk profile is determined, and youare automatically placed intoinvestments that typically mirror theS&P 500. With our white glovetreatment, you have our topinvestment management controllingyour investments. Humans have abetter understanding of currentevents and the economy as awhole. Think about it, you wouldn'tlet an automated car get you fromyour house to your work. Or anautomated pilot fly you across thecountry to your destination.

Let us be your pilot, and you be ourco-pilot. Savior Wealth, themanaging company of ProphetEdge, is a Fiduciary. Investopediadefines a Fiduciary as "the highestlegal duty of one party to another,being a fiduciary requires beingbound ethically to act in the other'sbest interests." Everything we dowill be with your best interests inmind. You can rest assured that wealways put you first. With this inmind, we will detail our investmentstyle on the next page to give you aclear picture of why Prophet Edge isdifferent than others.

Let's begin with a background of

investment philosophy. There

are two major fields of analysis:

Fundamental Analysis and

Technical Analysis.

Fundamental Analysis,

according to Investopedia,

attempts to measure a security's

intrinsic value by examining

related economic and financial

factors. Technical Analysis is a

trading discipline employed to

evaluate investments

and identify trading opportunities

by analyzing statistical trends

gathered from trading activity,

such as price movement and

volume. Both seem useful right?

Amazingly, most places rely very

heavily on fundamental analysis

and barely use technical

analysis, if at all.

PROPHETEQUALSPROFIT

Prophet Edge's InvestmentSystem

MAJORDIFFERENTIATORS

The use of technical analysisin many of our investingdecisions is a strongdifferentiator. We seek toestablish probablemovements in the short termand the long term of aninvestment based ondifferent oscillators andindicators which gives us acompetitive edge.

Technical Analysis Think about this: iffundamental analysis wasoptimal by itself, why do stockprices fluctuate rathersignificantly on a day to daybasis? Is there newinformation on the company? Did they just come out with anew product? The answer is no. This is whywe believe using statistics,calculus, and trigonometry toanalyze stock movements isnecessary.

S&P 500 since 1990

Notice the bounces off the200 period Simple Moving

Average

MAJORDIFFERENTIATORS

Diversify, diversify, diversify. This what you will hear fromnearly every investment advisor. Based on your investmentprofile and risk tolerance, deriskyour investments by spreadingthem out over different assetclasses, even though some maybe projected to perform betterthan others. Prophet Edgebelieves there is a better way. We start by only investing inExchange Traded Funds, whichare similar to mutual funds, buttrade like stocks.

Diversify Differently Think about this: if purediversification is best, why notbuy an S&P 500 ETF* and call ita day? The answer is because itmay not be the best optionbased on your risk tolerance;based on your risk tolerance,you may seek to be weighted inETFs that are projecting a betterrisk/reward ratio. For instance,in Monopoly, would you ratherhave a diversified portfolio ofone of each color, or a fewmonopolies in the mosttrafficked spots?

"Diversification is protection against ignorance. Itmakes little sense if you know what you are doing"

-Warren Buffett

*E.g., The iShares Core S&P 500 ETF seeks to track the investment results of an index composed

of large-capitalization U.S. equities.

Red: S&P 500*Blue: ProShares UltraShort S&P 500 (SDS)

October 2007 - April 2009Source: Yahoo Finance

THE UPSIDE OF A CRASHBE ON THE SIDE THAT ISSHORTING THE MARKET

If you have read anything about

investing in the market over the last

decade, you may have heard about

the benefits of investing in ETFs.

There are stock ETFs, bond ETFs,

industry specific ETFs, high growth

ETFs... I think you get the picture.

What gives Prophet Edge another

large advantage is that we are able to

use inverse ETFs and leveraged

ETFs.

Inverse ETFs are in essence a way to

short entire industries or markets. If

we enter a bear market, you can rest

assured that we will help manage risk

on the downside. Historically this

product has been advantageous for

investors. This ability to invest in

whichever way the market is trending

is a huge advantage.

As explained previously, Inverse

ETFs essentially allow us to short

the market or particular industries

at a given time. In the next bear

market, this will be an essential

element to our strategy. Our

strategy takes the fear out of

market drops.

Inverse ETFs

It is our belief that Leveraged ETFs

are an underutilized investment

type. Don't let the name fool you;

we are not taking leverage out.

Rather, the ETF trades at a

variance of typically about 2X the

base ETF. For instance, a 2X S&P

500 ETF* will nearly replicate the

S&P 500 but for 2X the price

movements. Leveraged ETFs are

a crucial differentiator for Prophet

Edge, as most investment

companies are not allowed to use

them.

Leveraged ETFs

*The iShares Core S&P 500 ETF seeks to track the investment results of an index composed of large-

capitalization U.S. equities.

Prophet Edge'sTools to Hedge

GET YOUR EDGEYOUTYPICAL LARGE

INSTITUTIONTYPICAL ROBO

ADVISORPROPHET EDGE

FIDUCIARY

LOW FEES

HUMAN ELEMENT

PROFESSIONALFUNDAMENTAL

ANALYSIS

PROFESSIONALTECHNICALANALYSIS

ABILITY TO USELEVERAGED ETFS

ABILITY TO USEINVERSE ETFS

OUR ACCOUNTTYPES

ADVISORYRATE

Roth IRATraditional IRAIndividual BrokerageJoint BrokerageCustodialRevocable Living TrustSEP-IRASIMPLE IRA

Dollars Invested Rate

1%

0.9%

0.8%

0.7%

<$25K

$25 - 100K

$100K - 500K

$500K - 1MIL

Figures not indexed for inflation

This brochure is not intended to be legal or tax advice or to offer a comprehensive resource for tax-qualified retirement

plans. Always consult your own legal or tax professional for information concerning your individual situation. All

material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. This

is not to be construed as an offer to buy or sell any financial instruments and should not be relied upon as the sole  factor

in an investment making decision. As with all investments, there are associated inherent risks. Please obtain and review

all financial material carefully  before investing. Savior LLC investment  representatives are not tax advisors. All data

provided by Savior Wealth unless otherwise noted. All data as of 6/4/2019 unless otherwise noted.

$1MIL+ 0.6%

Legal Information and Disclosure

This communication expresses the views and opinions of Savior LLC as of the date it was written or

indicated, and such views are subject to change without notice. Savior LLC (“Savior”) (CRD # 299178)

has no duty or obligation to update the information contained herein. This communication may include

forward looking statements that are based on then-current beliefs of the participants. Such forward

looking statements may involve assumptions and known or unknown risks and uncertainties that are

subject to change and may differ from actual results, performance or events that occur in the future.

Further, Savior makes no representation, and it should not be assumed, that past investment performance

is an indication of future results. Moreover, wherever there is the potential for profit there is also the

possibility of loss.

This memorandum is being made available for educational purposes only and should not be used for any

other purpose. The information contained herein does not constitute and should not be construed as an

offering of advisory services or an offer to sell or solicitation to buy any securities or related financial

instruments in any jurisdiction. Certain information contained herein concerning economic trends and

performance is based on or derived from information provided by independent third-party sources. Savior

believes that the sources from which such information has been obtained are reliable; however, it cannot

guarantee the accuracy of such information and has not independently verified the accuracy or

completeness of such information or the assumptions on which such information is based.

Risk Disclosure:

Exchange Traded Funds (ETFs) are subject to market risk, including the possible loss of principal. The

value of the portfolio will fluctuate with the value of the underlying securities. ETFs trade like a stock,

and there will be brokerage commissions associated with buying and selling exchange traded funds unless

trading occurs in a fee-based account. ETFs may trade for less than their net asset value.

Investors should consider an ETF's investment objective, risks, charges, and expenses carefully before

investing. The prospectus, which contains this and other important information, is available from your

Financial Advisor at Savior LLC and should be read carefully before investing.

Diversification does not ensure a profit and may not protect against loss in declining markets. Investors

should refer to the individual ETF prospectus for a more detailed discussion of the specific risks and

considerations for an individual ETF.

ETFs may have underlying investment strategy risks similar to investing in commodities, bonds, real

estate, international markets or currencies, emerging growth companies, or specific sectors. When

investing in bonds, it is important to note that as interest rates rise, bond prices will fall. Due to their

narrow focus, sector-based investments typically exhibit greater volatility. There are special

considerations associated with international investing, including the risk of currency fluctuations and

political and economic events. Investing in emerging markets may involve greater risk and volatility than

investing in more developed countries. When investing in real estate companies, property values can fall

due to environmental, economic, or other reasons, and changes in interest rates can negatively impact the

performance. The risk of loss in trading commodities and futures can be substantial. The high degree of

leverage that is often obtainable in commodity trading can work against you as well as for you. You

should therefore carefully consider whether such trading in ETFs is suitable for you in light of your

financial condition.