84 South Fourth Street

Columbus, OH 43215

Mark Fissel, RFC Clint Edgington, CFA

B.O.S.S. ™ (Business Owner Strategy Session) Working Lunch: Second Quarter Schedule

To RSVP, please call Mark at 614-469-4685. Please feel free to invite a business owner.

Due to the strong demand for these events, we must limit attendance to business owners only.

Succession Planning: April 22nd

Jane Higgins-Marx, Partner and Robert Barnett, Jr., Managing

Partner of Carlile Patchen & Murphy, LLP

• Maximize your company’s value

• Structure deals in the best way

Business Sale Review: May 20th

Scott Chapman and Andy Hays, Partners and Co-founders of

Copper Run Capital

• Typical timeline, process, and structures of sales

• How to find a buyer

Selling your Business– Cleaning House: June 17th Jim Balthaser, Partner of Thompson Hine

• Prepare for a sale

• Important factors in early planning

www.BeaconHillAdvisory.com

“Great information- I don’t think my firm is right for an ESOP, but at least I know now.

I’m definitely interested in the succession planning event.”

Steve– Columbus

“I’ve been very interested and impressed with how the events

have been conducted.”

J.D.– Bexley

(These participants are not clients of

Beacon Hill)

The Wealth Managers for Business Owners

84 South Fourth Street

Columbus, OH 43215

P: 614.469.4685

info@BHAdvisory.com

www.BeaconHillAdvisory.com

www.BeaconHillAdvisory.com

How have Beacon Hill’s clients been

improving their lot?

The Proactive Wealth Management Process TM

This quarter’s activity: Cash Flow and Retirement Planning

takes some work! While we do the majority of the heavy lifting

for the Proactive Wealth Management Process– this requires

assistance from our clients, and they’ve done a great job!

We review how much they’ll need to have for retirement and

what they’ll need for their businesses in the upcoming year.

We then create the cash flow analysis, update the Investor

Roadmap, and we’ll also show them how much can safely be

withdrawn from their portfolio when they do retire. We help

them set aside cash for taxes and bonus/Profit Sharing pay-

ments as well!

Next Quarter: Estate & Legacy Review

Spring 2010 Quarterly 4ewsletter

Our clients have enjoyed outperformance in Good times and Bad!

+9.2%

-1.5% -7.7%

-8%

-6%

-4%

-2%

0%

2%

4%

6%

8%

10%

Our Portfolio

Standard Benchmark S&P 500

Beacon Hill Investment Advisory claims compliance with the Global Investment Performance Standards (GIPS®). Investment Results shown from 8/31/2008 to 12/31/2009 on an

annualized basis. Beacon Hill Investment Advisory is an Registered Investment Advisor. Additional information regarding the firm’s procedures for calculating performance returns

is available by calling 614-469-4685. “Our Portfolio” represents our Moderate composite and is for those portfolios with a moderate growth objective, with risk metrics comparable to

the “Standard Benchmark” of 2% BarCap U.S. Treasury Bill 6-9 Month index, 40% BarCap U.S. Aggregate Bond index, and 48% Standard & Poor’s 500 index. All returns calcu-

lated in U.S. Dollars and net of all expenses. Beacon Hill’s Moderate portfolios were not charged fees for the period 8/31/2008-12/31/2008. Past performance is no guarantee of

future results.

How has your portfolio

performed since the Bear

Market hit?

To the right, you’ll see our actual

portfolios, starting in September of

2008 through 12/31/2009.

We manage financial

matters so you can

f o c u s o n y o u r

business, your family,

and your life.

The Wealth Managers for Business Owners

Seen in the Press

“The Great Recession Creates a

-ew Retirement Reality” by

Amy Buttell,

The Journal of Financial Plan-

ning: Retirement Distribution

Planning Supplement

December 2009 Edition

(Clint Edgington, CFA)

“Five Ways to Handle a Tricky

Market” by Roger Fillion,

Fidelity 10/29/09

(Clint Edgington, CFA)

“401(k) - When It Makes Sense

to Rollover” by Mark Fissel,

RFC, Columbus Dispatch

10/4/09

www.BeaconHillAdvisory.com pg. 2

Market Review: 2010 - First Quarter Like the weather, equity markets exited March like a lamb, putting window dressing

on an otherwise lackluster quarter.

Business Wealth Management Process TM

Quarterly Review Schedule We think about these things so you don’t have to.

1st Quarter 2nd Quarter 3rd Quarter 4th Quarter

Equity Markets Q1 2010

0%

2%

4%

6%

8%

10%

Broad U.S. Market Small U.S. Companies

Foreign Market

6.2%

9.7%

.2%

(S&P 500) (MSCI EAFE)(Russell 2000)

Foreign markets, troubled with sovereign debt issues of the likes of the PIIGS (Greece, Portugal, Ireland, Italy, and Spain), got reas-

surance in March through the backing of the European Union, which fueled a 5.8% return during March to create a virtual breakeven

for the quarter. The fixed income markets rewarded taking credit risk, and continued concerning those in long-term bonds as longer

term rates moved up, solidifying our continued position not to reach into the longer term market for extra yield.

Barcap Aggregate Bond Index: 1.6%

Barcap High Yield Bond Index: 4.7%

Everyone can make an IRA contribution this year!

Typically, a couple that had over $166K in modified adjusted gross income and had a retirement plan with

their company were limited in contributing to a Roth (89K begins limits for Traditional IRA). This year,

that same couple could make a non-deductible contribu-

tion to a regular IRA and then convert it to a Roth IRA.

While there are still income limitations on deductible

contributions, there are no income limitations on conver-

sions this year! In this manner, they have effectively

contributed to a Roth IRA.

If they do this now for 2009 and 2010, they can put

$24,000 away and never pay taxes on it again!

Of course, there are a few wrinkles. The biggest issue is

that the IRS thinks of all your IRA accounts as one pool

of tax deferred assets. Therefore, they will want you to

allocate basis to that portion you convert in a pro-rata

form over all of your IRAs.

If you have no IRAs currently, this is a non-issue for you

and it becomes a no-brainer to do this. If you do have

IRAs, talk to your accountant about this strategy.

By way of example, if you already had an IRA worth $24,000, and you chose to open a new IRA for you

and your spouse and contribute the maximum for each for 2009 and 2010 ($6,000/year if you’re over 50),

you could put away another $24,000 IRA. Let’s call this second IRA “IRA #2”. You then convert IRA

#2 to a Roth IRA. At this point, you will have to pay taxes on the portion of the IRA that you converted

that was previously a deduction. The IRS assumes that you actually converted half of IRA #1 and half of

IRA #2, therefore you will have income of $12,000 that you will pay. It will be offset, however, by a de-

duction when you begin to withdraw assets out of IRA #1. Previously, if you would have pulled all

$24,000 out of IRA #1, you would have taken $24,000 as income. Now, you will only have to take

$12,000 as income.

www.BeaconHillAdvisory.com pg. 3

Still Sitting out of the Market? What are you waiting for? You don’t have to jump in at once! We have portfolios set up for people

to slowly get back into the market. First, let’s increase your yield beyond the 0.5% you’re getting in

the bank. Our conservative income portfolios yield about 4%.

4ot sure if a Roth is right? If you have an IRA, SEP-IRA, or 401(k), we will provide a customized, confidential, side by side analysis for $399.