THE EPIC PATH

TO FINANCIAL FULFILLMENT
How to Supercharge Your Path to Retirement!
 WHO WE ARE
We at EPIC are highly-trained financial strategists who
show you how to create the optimal amount of wealth
with little or no additional out-of-pocket costs. We
create a personalized financial road map tailored to your
investment goals as well as create a financial dashboard
so you can maximize the integration and coordination of
all your assets on one page.

MISSION
ABOUT THE COMPANY

Our mission at EPIC is to make sure you know what is

possible and to help you get the Financial Freedom you
deserve.

HOLISTIC APPROACH
A holistic approach means we take the time to listen to
your goals, worries, and priorities. It means we have the
knowledge to create a comprehensive plan––for the
expected and unexpected adventures of life.

WHY EPIC?
We have a passion for helping people achieve their
financial dreams.
 NOT YOUR ORDINARY
We at EPIC offer financial life strategies that go above
and beyond the ordinary. We have integrated the EPIC
Financial Freedom Road Map.

1. The Rules of Money: Take control of your money

from institutions.
2. The Formula of Money: Identify and eliminate

RELIABLE. QUALIFIED. HONEST.

hidden lost opportunity costs.
3. The Velocity of Money: Make multiple returns on the
same dollar.

GROWING YOUR WEALTH

If you’re serious about growing your wealth, you know the
importance of sound financial planning. However, you
can only plan properly if you understand how to position
every dollar. EPIC Financial Strategies provides you with a
team of highly trained financial strategists who show you
how to create the optimal amount of wealth with little or
no additional out-of-pocket costs through the integration
and coordination of your assets. At the same time, we
educate you on the advantages of all the financial
products available today and minimize the disadvantages
to our overall success process.*

*Suitability is determined on a case-by-case, investor-by-investor basis.

MEET
THE ROBERT GILL

TEAM
President | Founder
Licensed Insurance Broker

We at EPIC have learned from

experience, people don’t want
just money. Collectively over 100
years of working in the financial
services space, our team has
ED GARTNER
done thousands of dollars in cash Vice President
flow analyses and over countless Licensed Insurance Specialist

customized plans. What we've

learned is this: people want
Financial Freedom.

They want the Freedom to do

WHAT they want, WHEN they
want, HOW they want, and with
WHO they want WITHOUT
financial or time constraints. This
is exactly what our team sets out DAVID HARTER
Strategic Partner
to do for each and every client. Licensed Insurance Specialist

EPIC FINANCIAL STRATEGIES

 KAREN DRAHER SPENCER MEEK
Licensed Insurance Specialist Licensed Insurance Specialist

KLAUS BARTRAM JUSTIN DICKAMORE

Licensed Voluntary Benefits Specialist Licensed Insurance Specialist

DAVID HAMMER ANTONIO VAGLICA

Licensed Insurance Specialist Licensed Insurance Specialist

DWAYNE "DJ" WRIGHT PARKER RUSSO

Licensed Insurance Specialist Chief Marketing Officer

EPIC FINANCIAL STRATEGIES

LIFE INSURANCE
AND ANNUITIES

EPIC FINANCIAL STRATEGIES 4

 LIFE
INSURANCE
Is it an asset or expense?

Life insurance is essentially about protection

against risk and loss. But it can also be considered
as an asset versus an expense when used the
proper way. At EPIC Financial Strategies, there is a
compelling wealth-building strategy we offer all our
clients. We believe the first place to put your
money, as the foundation begins to evolve, is in an
Accelerated Cash Value Whole Life Insurance
Policy. In that space is where the growth can start
to happen, provided you have a conservative long-
term outlook. When we refer to life insurance, we’re
not talking about the most common types of life
insurance: term and whole life. We’re talking about
a customized policy we’ll create for you.

EPIC FINANCIAL STRATEGIES 4

 THERE ARE THREE TYPES OF LIFE
INSURANCE POLICIES TO SHARE
WITH YOU:

TERM LIFE INSURANCE

Term Life Insurance is the one most people have heard about, and it’s an expense. It’s relatively
inexpensive, especially when you're young. You can get a $1 million 20-year term life insurance policy for
minimal investment right now. If you were to die, your beneficiary would receive that money.

TRADITIONAL WHOLE LIFE INSURANCE

Next is the Traditional Whole Life Insurance Policy which is considered an asset because you can borrow
funds at a specified interest rate from the policy while you are alive. Every time you pay your whole life
insurance policy, that money goes into two different components. Part of it goes toward the term
insurance, which we already referenced. Still, anything above and beyond that goes toward investment
into the life insurance company itself. Whole life insurance allows you to invest in a successful long-term
insurance company that gives you a dividend for doing so. This is different from term insurance, but it
also has the same death benefit.

ACCELERATED CASH VALUE WHOLE LIFE INSURANCE

This extraordinary type of life insurance is extremely powerful because it offers you so many "living"
benefits. It's a type of policy where you are designed to take your money out while maintaining multiple
benefits, and most of these benefits will enhance your life right now.

EPIC FINANCIAL STRATEGIES

 ACCELERATED
CASH VALUE WHOLE
LIFE INSURANCE

Accelerated Cash Value Whole Life Insurance is a type of life insurance policy that you put money into
every month, and a portion of it goes to your death benefit. When you die, your beneficiary inherits this
money. But there's also a portion of it that is a living benefit that builds up like a life insurance savings
account. You can pull that money out and use it for investing, living, building a business, purchasing a
car, or whatever you choose. You can also use it as a retirement supplement.

Here's what we mean. Your income every month is disbursed into various expenses and other areas,
whether it be your car payment, rent, home, credit cards, student loans, even your 401(k). But
somewhere in the middle, once you begin to own your own money, you can run it through an
Accelerated Cash Value Whole Life Insurance plan instead of paying everyone else for your loans or
expenses. Every dollar you put through this program will give you a guaranteed rate of return––in
writing by state law and contract. While it's growing inside that policy and as a savings component, you
can then leverage it to alternative investments and other opportunities.

Like everything in life, there's a formula, and the formula for success here is paying yourself first. We
suggest paying yourself first, anywhere from 15 or 20 percent of every single dollar that comes through
your world, and putting it through a savings account strategy––an ownership strategy.

Once you begin to pay yourself first through the Accelerated Cash Value Whole Life Insurance plan,
you'll pick up that guaranteed rate of return mentioned above. As your money grows without the risk of
the stock market, you have guarantees to protect you from those risks while it's growing. When you're
ready to use your money for other opportunities, and you can leverage it from the policy to purchase
items or make investments.

If you go back in time, when life insurance companies were first created, it was all about protection
from risk and loss. So now that we understand that life insurance (by state law and by contract) gives
you that guarantee in writing, you'll know that if the market goes up or down 10,000 points, your rate of
return inside that policy will remain the same.

EPIC FINANCIAL STRATEGIES 6

 ACCELERATED
CASH VALUE WHOLE
LIFE INSURANCE

For example, let's say that you've built up the $20,000 in cash value (the saving component of the life
insurance policy) inside your life insurance. If the stock market drops 40%, the cash value in your life
insurance doesn’t change. And remember, with life insurance, you have the death benefit too, and of
the multiple reasons why we love life insurance, the death benefit is last.

Let's say you have saved money inside your policy, and you want to buy a piece of real estate. Typically,
when a real estate transaction is executed correctly, the purchaser will get four different spins on every
dollar.

These spins include:

1. Cashflow, which is rent minus mortgage
2. Appreciation in value over time*
3. Depreciation on that property on their tax return
4. Mortgage interest write off **

And that’s if you just took money out of your savings account and used it as a down payment.

If you leverage the cash inside your life insurance policy while it's still in your policy, the insurance
company will loan you the money at a specified interest rate. When you purchase that piece of property,
you'll still pick up those four spins, but now you have the renter pay back your policy, and you pick up
two potential rate returns.

These rate returns include:

5. Rate of return that's guaranteed
6. A dividend that comes with the certain policy type

And that's how you get six different rates of return on the same dollar by creating wealth and
opportunity from your Accelerated Cash Value Whole Life Insurance plan.

*Appreciation in value is not a guarantee. **Refer to your tax accountant regarding your availability to write off mortgage interest.

EPIC FINANCIAL STRATEGIES 6

 HOW IS THIS MONEY
TAX-FREE?

How is this money tax-free? Whenever you pay premiums into a life insurance policy, the method of
taxation is FIFO––that's “First In, First Out.” As you fund this policy for 5, 10, or 20 years, and then later in
life when you want to take income out, the first portion of the money that will come out of the policy
will be what you put in. And that's “up to basis.” Basis will be distributed back tax-free. Once you have
reached your basis, then you take additional loans from the policy to maintain tax-free status. Of course,
anything regarding taxes should be verified by your accountant.

If you understand how to use your Accelerated Cash Value Whole Life Insurance, you can achieve this
in your life:
Create massive wealth with life insurance
Finance your own debt
Use your money while earning a rate of return in the policy
Use it to purchase other items, i.e., real estate, other alternative investments

If you use this principle as part of an overall map and investment philosophy for the long term––in the
end––you will prevail.

When it comes to using a basic success formula, this strategic planning allows you to grow your money
inside your policy. As we’ve stated, with its savings component, you can also leverage it against your
expenses and other investments or growth opportunities. You are building a solid safety component
into your wealth-building strategy.

See ALL the benefits of this Accelerated Cash Value Whole Life Insurance policy on the next page.

EPIC FINANCIAL STRATEGIES 6

 THE 7 BENEFITS OF
ACCELERATED
CASH VALUE WHOLE
LIFE INSURANCE

Guaranteed Rate of Return

There’s a guaranteed ROI by state law and by contract, just by saving your money in this
account.

Dividends
Certain life insurance companies pay out an additional dividend on top of the guaranteed
interest rate.

Borrow Cash Value to Buy More Assets

You can keep and maintain the policy but pull out your money––at a specified interest rate––
which you can then use to invest in other opportunities. This is borrowing against the cash
value. It enables you to take your money out, while that money is still growing in your life
insurance policy. You're earning money in two places at once. This is unbelievable leverage.
Your regular bank account doesn't work that way.

Tax-Free Growth
When you start making a lot of money, it becomes increasingly important to minimize your
taxable income. All of the growth inside of the policy, from the guaranteed ROI to the
dividends, grows tax-free. This is a huge advantage.

EPIC FINANCIAL STRATEGIES 7

 THE 7 BENEFITS OF
ACCELERATED
CASH VALUE WHOLE
LIFE INSURANCE
continued

Creditor & Predator Protection

This plan offers you protection. Depending on the state law, where your contract is originated,
you are offered protection on your money while in this policy. The government views life
insurance as a different type of protected asset class for your legacy––your family, spouse, and
children. This is treated differently than other types of assets like a bank account that is liquid
and touchable. This protection varies by state and contract. Be sure to check with your
attorney.

Death Benefit
As you build your wealth strategy, you're likely going to accumulate assets and liabilities. For
example, let's say that you buy many houses, but they're not entirely paid off. In the event of
an untimely death, someone's going to inherit that real estate, but they may not want to
inherit the liabilities. The death benefit attached to your policy allows them to pay off
businesses, real estate, and other liabilities, which means that your loved ones can enjoy a
strong financial legacy without any of the worries from any of your past obligations.

Mental and Physical Disability Covered

If you ever become mentally or physically disabled, the insurance carrier covers and continues
paying for the rest of your policy. This is done by having a policy designed with the proper
riders.

EPIC FINANCIAL STRATEGIES

 HOW DOES THIS WORK IN THE REAL WORLD?

Meet Sandra. She's been careful with her money and wants that security blanket. She's doing a great
job saving her money. Let's assume she's already saved $10,000 in her bank account, and on top of that
is saving an additional $1,000 a month. She could keep that $10,000 in her bank and add the $1,000
each month to that same bank account.

But instead, Sandra decides to open her own Accelerated Cash Value Whole Life Insurance plan. She
begins by depositing $10,000, and now that money can grow tax-free at the guaranteed rate plus
dividends, plus all the other benefits we’ve mentioned. Every month Sandra deposits $1,000 in this
account, so it continues building its cash value plus compounding its tax-free growth up to basis.

Ninety days later, Sandra has found a perfect investment opportunity that requires $5,000. Instead of it
sitting in a regular bank account, it’s growing at a guaranteed percentage plus dividends, plus now she
has also invested that $5,000 in a significant opportunity.

CAN I REALLY EARN MONEY IN TWO PLACES?

When Sandra borrows from the cash value in her Accelerated Cash Value Whole Life Insurance policy,
that loan doesn’t directly come out of her policy; it comes from the money that's pooled together from
all the life insurance policies funded by the insurance company's clients.

Let's compare it to the money you might be keeping in a savings account at your bank. That bank
makes money by lending it back out to someone else, but they keep paying you the same interest. So,
you are now just the "place" the money is being loaned to when you borrow from your insurance policy.
It doesn't make any difference to the insurance company where that money is put to work.

For example, when you take your money out of bank savings account for an automobile purchase, that
money is gone, and you are paying a loan to someone else for your automobile. Why not earn interest
on the money you've borrowed? These select life insurance companies that we use don't distinguish
who is using what plan's money, so your cash value will continue to grow each year.

EPIC FINANCIAL STRATEGIES

 DOES IT COST ME ANYTHING TO BORROW
MONEY FROM THIS POLICY?
When Sandra borrows money out of her policy, she pays an interest rate to the life insurance company.
Historically, the cost to borrow out of that policy will be less than what she is earning on the money
including dividends. There is an arbitrage created between the interest rate paid to the life insurance
company and the growth of the money in the policy. That looks like is this: instead of paying interest to
a bank, you're the one earning money on the money you've borrowed. It comes off of the overall value
of the policy.

Let's say that she has a million dollars of a life insurance policy. If she took a loan for $5,000 against that
policy, in the event of her death, her family would receive a check for $995,000. That $5,000 loan is still
earning a guaranteed rate of return plus dividends while it's sitting in her new venture also earning
money. Now she's earning money in both locations at the same time while maintaining the protection
and the tax-free status, plus the growth in this type of policy.

CAN I KEEP ADDING TO MY CASH VALUE

DIVIDEND PAYING LIFE INSURANCE POLICY?
Another 12 months go by, and Sandra has deposited an additional $12,000 in her Accelerated Cash
1:

Value Whole Life Insurance policy because she continues saving $1,000 a month. Still, her venture from
the year before has now created a $20,000 profit. Sandra can add that profit to the policy and continue
getting even more benefits. At the same time, she waits for her next investment opportunity to
multiply into more wealth and achieve more growth. Each time you experience a boost in income, that
leads to saving more money and, in turn, adds more to your Accelerated Cash Value Whole Life
Insurance to support your subsequent investments.

By putting your money in an Accelerated Cash Value Whole Life Insurance policy with a conservative,
long-term outlook, and proper guidance, it can work wonders on your financial portfolio. This unique
whole life insurance policy is like a seven-pronged “Swiss Army Knife” that works for your benefit while
protecting you with a guaranteed rate of return, plus it’s not contingent on the ups and downs of the
stock market. No matter what age and no matter how you use it, when done correctly, you can begin
to create massive wealth. We can help you get started with this type of policy right away.*
*Sandra's case is for illustrative purposes only. Each person must evaluate the suitability of an Accelerated Cash Value Whole
Life Insurance plan for their own financial circumstances.

EPIC FINANCIAL STRATEGIES

 INVESTMENT
CHOICES
The world of investment choices has expanded
dramatically in recent years, with investors and
families continually searching for higher returns
and lower-cost vehicles to build wealth. A
consistent and sometimes scrutinized product
remaining front and center in this investment
puzzle is an annuity. Annuities are introduced as
options to potential clients and are sometimes
initially frowned upon.

We believe there are two catalysts to this

apprehension:
Lack of understanding of specific product types
Lack of education on the fees associated with
these products

In a world where there is infinite information

available to families, it’s easy to lose sight that every
financial recommendation should be custom fit for
each individual and not based upon herd thinking.

Annuities have been providing income to families

for hundreds of years. The Pension-Style actuarial
calculation of the income an annuity generates
resembles Social Security and Defined Benefit
Pension programs.

EPIC FINANCIAL STRATEGIES

 RETIREMENT
INCOME
CHALLENGES
Before we go into the various types of annuities we
offer to clients, it is important to look at the broad
scope of the retirement income challenges
American households now face. For many years,
families did not have the retirement planning sense
of urgency due to their future income’s predictable
nature. Workers remained with only a few
companies during their career, and upon
retirement, received a pension and Social Security
income which closely aligned with their working
income. This pension income was guaranteed for
their lifetime and, in most cases, the lifetime of
their spouse.

EPIC FINANCIAL STRATEGIES

 PENSIONS & SOCIAL SECURITY

These pensions and Social Security payments were able to be administered for many reasons:
Interest rates, which is a large portion of the assumed calculation, were higher than today
Life expectancy of individuals was less than today’s expectancies
Smaller workforce

These factors made pension administration for corporations and the Social Security administration be
safely administered. As the baby boomer population entered more predominantly into the workforce,
and as the scope of the US economy began to change in the 1970s, defined contribution programs
such as the 401(k) were introduced with the Employee Retirement Incentive Savings Act (ERISA) in
1974. Initially, as a method of assisting underfunded Defined Benefits plans, defined contribution plans
would soon become the standard for retirement savings plans––transferring most of the risk of
retirement income from the employer to the employee.

In 2018, the median household average 401(k) balance was less than $23,000, with the actual average
balance slightly higher at $93,000.*

We feel this alarmingly low-dollar amount can be attributed to a variety of factors:

Poor education
Over-emphasis on 401(k) as the primary savings vehicle
Poor security selection and investment guidance
Additional wealth eroding factors such as high-interest credit and student debt

We believe the primary challenge is poor income distribution rates. Based on longer life expectancies,
higher cost of living, and additional factors like extended health care costs, pension-like income and
retirement account balances need to be substantially higher. A recent study by the Society of Actuaries
suggests a 4% withdrawal rate may be too high of an assumption. This would equate to a $1,000,000
portfolio safely creating $40,000 (before income tax or inflation) over normal life expectancy.
Considering the factors mentioned above, this is too little income for most American households. We
feel understanding what annuities can do to increase predictable income is critical in our advice model.

The lack of education and guidance on appropriate planning methods for retirement income
distributions is a primary focus at EPIC Financial Strategies, and why we believe when used
accordingly, fixed annuities are appropriate and necessary strategies for retirement income planning.

*How America Saves 2019. Vanguard 2018 Defined Contribution Planned Data

EPIC FINANCIAL STRATEGIES

 LIFE
ANNUITY
INSURANCE
Is it an asset or expense?
We focus on these primary annuity types:
Single-Premium Immediate Annuity
Deferred Immediate Annuity
Fixed Annuity
Fixed Indexed Annuity

Completely driven by household circumstances,

any of these strategies can significantly impact
increasing guaranteed income.

EPIC FINANCIAL STRATEGIES

WHAT IS AN ANNUITY, AND WHY WOULD YOU USE IT?

1:

An annuity is a contract with an insurance company that guarantees current or future payments in
exchange for a premium or series of premiums. The interest earned on an annuity contract is not
taxable until the funds are paid out or withdrawn. Withdrawals and income payments are taxed as
ordinary income. If a withdrawal is made before age 59½, penalties may apply. The guarantees of an
annuity contract depend on the issuing company's claims-paying ability. Annuities have fees associated
with the contract, and a surrender charge may also apply if the contract owner elects to give up the
annuity before certain time-period conditions are satisfied.

There are questions you should ask yourself before getting an annuity.

HOW CAN I USE ALL THE DIFFERENT TYPES OF ANNUITIES?

WHAT IS THE BEST FIT FOR ME?
We like to look at annuities from the perspective of the insurance company. If you were to purchase life
insurance, the life insurance company hopes that you live forever. Why? So they don't have to pay you
that death benefit at the end, yet you pay the premiums all along. The insurance company can prolong
the time of paying out to your heirs.

An annuity is almost the exact opposite of that. You're betting on your good health and your good
fortune that you'll live a nice long, happy life. Then the insurance company will have to continually pay
you a check for the rest of that life. Before we get into the different types of annuities and explain what
these look like, you need to ask yourself some questions.

EPIC FINANCIAL STRATEGIES

 QUESTIONS YOU NEED TO ASK YOURSELF

DO I NEED GUARANTEED INCOME?

Of course, you need guaranteed income. It's essential if your guaranteed sources of income cover all
your fixed expenses. Think about how much easier retirement can be without stressing over the
market's fluctuation with your income.

DO I WANT TO LEAVE A LEGACY?

Maybe you have your guaranteed income covered through pensions and social security; however, you
want to leave a legacy. Annuities can help you leave a legacy for your family.

HOW NERVOUS AM I ABOUT THE MARKET?

Maybe you're getting closer to retirement, and you don't want to be worrying about a huge drop in the
market. If that's the case for you, an annuity could be a good fit for a portion of your portfolio.*

HOW SOON AM I GOING TO NEED THIS MONEY?

This answer will play a role in the type of annuity you purchase. Are you close to retirement, or do you
have a long time horizon where you can defer this money and let it grow for a substantial amount of
time? Your timeframe is a critical factor in which annuity is appropriate for you to purchase.

*In consultation with EPIC personnel, the suitability of any particular annuity must be evaluated on a case-by-case basis.

EPIC FINANCIAL STRATEGIES

SINGLE PREMIUM IMMEDIATE ANNUITY (SPIA)

The first type of annuity is an income annuity. This might be the first place to start if you're almost ready
to retire and you're looking to guarantee that income for your fixed expenses. This is a Single Premium
Immediate Annuity.

Single Premium Immediate Annuities (SPIA) have become increasingly popular for retirement income
planning due to the similarities to Defined Benefit Pensions. SPIA’s are created by insurance companies
as a single deposit vehicle. A lump sum of money is deposited into the contract, transferring the money
from the client’s balance sheet to the insurance company. In return, the insurance company guarantees
an income payment over a fixed period, single, or joint life expectancy. Current interest rates and life
expectancies drive the income payment. The older you become, the higher the income distribution
becomes due to the law of large numbers, making SPIA income rates substantially higher than the safe
distribution rates of non-annuity portfolios. This type of annuity is the perfect fit for almost any
retirement plan because it allows more possibilities with your other assets. There are no annual internal
fees on SPIAs.

Think about guaranteeing your income. If we take a portion of those assets and we guarantee you're
always going to be able to cover your fixed expenses, it allows you options with other money:
Discretionary
Growth
Legacy

When we start looking at the right retirement plans for our clients, we look at your guaranteed sources
of income first. A Single Premium Immediate Annuity can fill in that gap right from the beginning.

EPIC FINANCIAL STRATEGIES

DEFERRED INCOME ANNUITY (DIA)

The Deferred Income Annuities (DIA) operate similarly to SPIAs in that a single lump sum is transferred
into the contract. Unlike SPIAs, however, DIAs defer income commencement to a future date. The
future income rate is based upon current life expectancies and current interest rates. The strategy is
suitable for clients interested in setting aside capital gains, or a set lump sum of monies for future
income payments, resembling a Defined Benefit Pension. The rationale is that it cannot be predicted if a
market-based portfolio will create returns that can be converted to an SPIA in the future rather than
assuming return, and higher interest rates, to lock in the future income based upon guarantees. There
are no annual internal fees on DIAs.

WHAT DOES THIS MEAN FOR YOU?

The insurance company will tell you exactly how
much money you're going to get in the future.
And like anything else, the longer you wait, and
the longer you defer that money, the more
you're going to receive monthly.

Again, there are no fees attached to the SPIA and

DIA. You will give the insurance company a
check, and they're going to guarantee you
payments in the future.

EPIC FINANCIAL STRATEGIES

FIXED ANNUITY

The next type of annuity is a Fixed Annuity. You can compare this to a bank CD. This will provide you
with a fixed interest rate every year which will get credited to your account. Some people like that, but
when you're looking at a Fixed Annuity, you must ask yourself: when will I need that money? Will the
surrender charges associated with it impact my liquidity to a point where it's a problem?

However, the benefit of a Fixed Annuity versus a bank CD is you won’t receive a 1099 for those interest
charges because it will be deferring tax. You want to make sure this money is constant and never goes
away; it just has a steady, guaranteed growth. If you want to leave as part of a legacy, then a fixed
annuity could be a good fit for you.

WHAT'S THE DIFFERENCE BETWEEN A FIXED ANNUITY AND A FIXED

INDEXED ANNUITY?

EPIC FINANCIAL STRATEGIES

FIXED INDEXED ANNUITY (FIA)

The Fixed Indexed Annuity is what we consider to be the middle ground on investing. This strategy
operates like both the SPIA and DIA, with a single some of the monies deposited. With this strategy,
however, the money deposited is credited annually or bi-annually based upon the performance of a
benchmark index. Using derivative contracts, the insurance company manufacturing the product will
credit the contract's cash value on the anniversary point-to-point performance of the benchmark index.
Because the crediting uses the derivative strategy, the contracts can guarantee a floor performance of
no less than 0%.

Additionally, if the benchmarked index provides positive returns, the contract will be credited the
identical positive return, capped by the maximum crediting. To protect against risk, and instead of
current interest rates, the insurance company will set the cap rate of performance at a modest up-
capture of the index total return. This creates an experience for clients of essentially guaranteed
prevention of loss, with modest upside potential. For an additional fee (typically 1%), clients may select a
guaranteed income rider (which we’ll explain in more detail) on these products that can create a
guaranteed lifetime income. This guaranteed income may include bonus features and annual increases
making Fixed Indexed Annuities a viable retirement income planning component.

WHY IS THIS IMPORTANT?

If you have a long runway to retirement or choose a product because you want the growth opportunity
to leave as a legacy, the crediting from an index will likely be more significant than a fixed rate every
year. Today's rates are so low in the Fixed Annuity that a lot of people are looking at the indexes. They
still want that market-type performance without actually investing in the market. If you're risk-averse,
the idea of getting market credit without having to risk all your money with the downside of the market
could be very attractive. Insurance companies manage this by putting a cap on what you can earn, but
they also put a floor on the risk of loss.

For most people, that risk of loss is zero meaning the money you put in is 100% protected. You’ll only see
credit based on the upside potential of that market––up to a certain amount of money. That’s great
because many of us don't have time on our side. When we're younger and put money away and the
market sustains a loss, we have the time for that money to rebound. When we're in retirement or
getting close to retirement, we don't have that same time luxury.

EPIC FINANCIAL STRATEGIES

WHAT ARE RIDERS?

Riders are custom-fit enhancements that can affect your decision to purchase an annuity. They are
optional and available at an additional cost. You must ask yourself this: is the fee that I'm paying worth
the benefit I'm receiving?

WHAT RIDERS DO I NEED?

WHAT FEES AM I PAYING?
WHAT IS THE INTENTION BEHIND MY MONEY SO EPIC CAN HELP
ME CHOOSE THE RIGHT ANNUITY?
There will be different types of riders that may be suitable for your situation:
A guaranteed income in the future
A legacy to your family
A long-term care situation in which you can multiply that benefit

EPIC FINANCIAL STRATEGIES

IN SUMMARY

In summary, these are the types of annuities and strategies we offer our clients:

SINGLE PREMIUM IMMEDIATE ANNUITY

Income annuity
No fees attached

DEFERRED IMMEDIATE ANNUITY

Income annuity
No fees attached

FIXED ANNUITY
No fees
Minimal growth based on a credited interest rate stated when a contract is purchased

FIXED INDEXED ANNUITY

Crediting based on market performance
Market returns up to a cap
Protection from loss

You can see an Annuity is a versatile product that may be a good fit for your portfolio. At EPIC Financial
Strategies, we are aware and concerned with the low withdrawal rates of mainstream investment
strategies and the lack of education provided to American families on the importance of retirement
income longevity. Conclusively, annuities can be excellent and, in many cases, a crucial component to
the design of a retirement income distribution strategy.

EPIC FINANCIAL STRATEGIES

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EPIC FINANCIAL STRATEGIES

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732-889-3344
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Red Bank, NJ 07701

DISCLAIMER;

EPIC Financial Strategies” is a trade name referring to EPIC Insurance Services, LLC. All references to “EPIC” contained in this literature pertain to EPIC Insurance Services, LLC.

Robert Gill is not in the business of providing investment advice and specifically disclaims any liability, loss, or risk incurred as a consequence, either directly or indirectly, through the
use of any of the information contained in this literature. Also, Robert Gill, in his appearance on various social media platforms, does NOT provide ANY legal, accounting, securities,
investment, or tax advice, and the opinions he shares are not intended to be a substitute for meeting with professional advisors. If legal advice or other expert assistance is required,
the services of competent, licensed, and certified professionals should be sought. In addition, Robert Gill does not endorse ANY specific investments, financial advisors, or securities
brokerage firms. Robert Gill is not a securities-licensed professional, financial planner, or investment advisor.

Where return on investment is discussed or referenced by the presenter or in the written materials, the figures used are for illustration purposes only, and are not intended to
indicate that an investment in any particular investment or investment sector will necessarily generate any specific return.

Before making any investment or other significant financial decision, viewers should consult with qualified and licensed professionals, who will assess the appropriateness of the
decision in light of each individual’s specific goals, experiences, and financial status.

EPIC FINANCIAL STRATEGIES