Trusted Partner Committed to Your Financial Well Being

RAYMOND JAMES

Securities are offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, NCUA, any other government agency or financial institution insurance, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal. Abel Financial Services, Inc. is not affiliated with Raymond James Financial Services, Inc.

Matthew T. Lekushoff, CIMA®

Our Mission

 

We serve a limited number of clients who understand the value of having a dedicated and trusted financial advisor to help them and their families achieve financial peace of mind.

  Our success is based on offering something others do not, a

client experience that is unmatched in terms of communication, service and education.

Our clients can expect not only a personalized approach to financial planning but a professional relationship that they will find enriching and valuable.

Overview

Who Do We Serve

How Do We Serve

Our Financial Planning Team

Who is Raymond James

Who do we serve

Business Professionals

We understand the needs and stresses of today’s successful professional.

Medical Professionals

We help health professionals structure their finances to benefit from their unique tax advantages.

Business Owners

We specialize in crafting customized financial solutions for the business owner.

How we Serve

Our Advisory Process

Building and Monitoring Portfolios

Managing Client Advisory Relationships

What Makes us Different?

Understand

Organize & Design

Implement

Monitor

Our Advisory Process

We employ a disciplined process to craft solutions designed to meet the needs of our clients.

Portfolio Construction

A Disciplined Approach to Building and Preserving Wealth

Why is portfolio construction so important? Answer: Investors Have Underperformed Benchmarks

11.9%

3.0%3.9%

9.7%

1.8%

Past performance does not guarantee future results.Source: DALBAR, Lehman Brothers, Standard & Poor’s and AllianceBernstein

Annualized Returns1986–2005

S&P 500 Inflation Averagestock-fundinvestor

Lehman U.S. Agg.

Bond Index

Averagebond-fundinvestor

Individual Investor Behavior

(-$29.10)

$140.50

(-$49.90)

$262.80

Stocks Bonds Stocks Bonds

Net Flows by Broad Investment Categories at Major Inflection Points in the Market

Greed2000

Fear2002

Investors have historically added

funds to asset classes that have performed

well recently, often as those asset classes are taking a turn for

the worse.

THE RESULT: Many individuals investors buy high and sell low.

Past performance does not guarantee future results.

Why Asset Allocation matters?

Asset allocation decisions are among the most important factors affecting total portfolio

volatility.Factors in Portfolio Volatility

Asset Allocation Decisions

91.5%

Market Timing 1.8%

Stock Selection 4.6%

Other 2.1%

Source: Brinson, Singer and Beebower (1991)

Fiftieth percentile mutual fund returns can be attributed to its investment discipline

Tracking “How much is enough?”

Uncertain < 75%

• Not Saving enough

• Inappropriate Allocation based on long term goals

Sacrifice >90%• Saving too much

• Spending too little

• Taking on too much Investment Risk

Confidence & Comfort (in “balance”)High level of confidence and Peace of Mind

How do we track “How much is enough?Central to the Wealthcare process is the Confidence calculation. This analysis simultaneously evaluates your goals, your investment allocation and your assets to determine how confident you can be that your goals will be met. The Wealthcare process subjects your goals and investment strategy to this sophisticated ‘stress testing’ process which simulates 1000 market environments, both good and bad. Your Confidence or Comfort is the percentage of the 1000 simulations that achieve your goals. For example, if you achieved all of your goals or more in 830 of 1000 tests your confidence is 83%.

25%

30%

35%

40%

45%

50%

55%

60%

65%

70%

75%

80%

85%

90%

95%

100%

Uncertain Comfort Sacrifice

Portfolio Construction

Step 1: Determine Client’s Risk Tolerance

Step 2: Analyze Economic and Market

Conditions

Step 3: Combine Low-Correlation AssetsGlobally Diversified EquitiesUtilize Real Assets: REITs and CommoditiesAllocate Market Neutral Investments

Step 4: Rebalance Portfolios

This art is for illustrative purposes only and not indicative of any investment. • An investment cannot be made directly in an index.Past performance is no guarantee of future results. March 1, 2006 • Source: Created by Raymond James using Ibbotson Presentation Materials © 2006 Ibbotson Associates, Inc. All rights reserved. Used with permission.

Large and Small Company Investing

EndingWealth

AverageReturn

Hypothetical value of $1 invested at year-end 1968. Assumes reinvestment of income and no transaction costs or taxes.

Year-End 1969 – 2006

$53.95

$27.61

$.10

$1

$10

$100

$1,000

11.1%

9.1%

1969 1975 1981 1987 1993 1999 2005

Large Value

Large Growth

$27.70 9.1%

Small Growth

Small Value

$233.88 15.4%

This art is for illustrative purposes only and not indicative of any investment. • An investment cannot be made directly in an index.Past performance is no guarantee of future results. March 1, 2006 • Source: Created by Raymond James using Ibbotson Presentation Materials © 2006 Ibbotson Associates, Inc. All rights reserved. Used with permission.

Stocks, Commodities and Real Estate

Year-End 1985 – 2005

Ending

Wealth

Average

Return

10.8%11.9%

8.0%10.0%

Real Estate

U.S. Stocks

Hypothetical value of $1 invested at year-end 1985. Assumes reinvestment of income and no transaction costs or taxes.

$7.83$9.52

$6.72$4.64

$.10

$1

$10

$100

1985 1990 1995 2000 2005

CommoditiesInternational Stocks

Past performance is no guarantee of future results.Source: Morningstar, Inc. as of 9/30/06. Correlation is a measure of the degree to which two variables are related. Commodities are represented by the GSCI. US stocks, real estate, international stocks, bonds and cash are represented by the S&P 500, MSCI US REIT Index, MSCI EAFE Index, Lehman Brothers Aggregate Bond Index and the 3-month Treasury bill, respectively.It is not possible to invest directly in an index. Index returns assume reinvestment of all distributions and do not reflect the expenses, fees or taxes of managing a mutual fund.

Commodities in a Portfolio Historically Low Correlation with Other Asset Classes

Total return correlation 9/30/96 to 9/30/061.00

-0.02 -0.03

0.03

-0.08

0.01

-0.2

0.0

0.2

0.4

0.6

0.8

1.0

Commodities US Stocks Real Estate(REITs)

InternationalStocks

Bonds Cash

A figure of 1.0 equals perfect positive correlation. A figure of -1.0 equals a total negative correlation.

Performance is historical and does not guarantee future results. The graph above is for illustrative purposes onlyand does not represent the performance or risk of any DWS product. Source: Morningstar, Inc., as of 12/31/05. Stocksand bonds are represented by the S&P 500 Index and the Lehman Brothers Aggregate Bond Index, respectively.Commodities are represented by the Goldman Sachs Commodities Index. The indices include reinvestment of alldistributions and do not reflect the fees, taxes or expenses involved in managing a mutual fund. It is not possible to investdirectly in an index.

Commodities in a Hypothetical Portfolio

Performed Well When Interest Rates Increased, 12/31/75-12/31/05

7.3%

20.6%

15.2%

11.5%13.4%

2.4%

0%

5%

10%

15%

20%

25%

Years when interest rates declined Years when interest rates increase

Commodities

Stocks

Bonds

Buy

Upper trigger

Underperform

Strategic target

Outperform

Sell

Lower trigger

As an asset class/style outperforms,

trim investment

As an asset class/style underperforms,

add to investment

Disciplined Rebalancing: Buy Low and Sell High

Our Rebalancing Discipline Helps to Buy Low, Sell High

Commitment To Clients

Commitment to Service

Portfolio Review Meetings Economic and Market Review Account Performance Review Statement of Investment Policy Review Portfolio Risk Analysis Portfolio Adjustment and Strategy Discussion

Financial Plan Review Meetings Net Worth and Goals Updated Updated Financial Plan Discussed Confirm Portfolio Risk is Consistent with Financial

Goals Portfolio Risk Analysis

Commitment to Communication Research and Comment

Quarterly Newsletter Regular Phone Calls Regular E-mails (Articles, Research, Comments) Diversified Investor (Quarterly) Planning Ahead (Bi-Annual), Performance Reporting

Education and Social Financial Presentations Cultural Event Gastronomic Events

What Makes Us Different?

Proactive contact when changes impact a client’s financial life

Take the time to understand our client’s needs, goals & attitudes

Develop comprehensive financial plans

Create portfolios that match client’s financial planning goals

Regularly update client’s portfolio and financial plans

Help organize our client’s financial documents and investments

Access to Raymond James’ vast resources in both Canada & US

Work with and have access to financial professionals in other fields

Our Financial Services Team

Matthew T. Lekushoff

Financial Advisor

Diane Nguyen

Sales associate

Andrea Thompson

Financial Planner

Natalie Korol

FP Assistant

Who is Raymond James?Raymond James applies sound, conservative business practices as it functions as a

broker/dealer in the financial services industry, and the firm and its affiliated advisors never forget the primacy of the founding principle – placing clients’ needs and aspirations at the head of the list of concerns. Whether markets are volatile or calm, whether investment choices are complex or straightforward, and whether financial goals are forthright or intricate, our clients

know the comfort and satisfaction of having a steady partner at the wheel.

Thank you for your time.

For more information click the link for our website.

www.Matthewlekushoff.ca