WELCOME TO: Movie & Market A Night of Bond Update Event

248.648.8598 www.hfgllc.com ANNOUNCEMENT: NAME & LEGAL STRUCTURE CHANGES We are proud to announce we have transitioned from “Timothy Herbert Financial Group” to simply HFG. This name change and logo rebrand aims to deliver our corporate mission of building meaningful, long- New Website Address term relationships with our clients by providing them www.hfgllc.com with a TEAM experience, thereby enhancing the overall level of service each of you receives.

248.648.8598 www.hfgllc.com WHY WE MADE THESE CHANGES?

• Continuity • Growth • Succession

248.648.8598 www.hfgllc.com MEET THE HFG TEAM

248.648.8598 www.hfgllc.com

S&P Chart

Dow Jones Industrial Average = -0.73% S&P 500 = 0.82% All Countries Excluding U.S. = -2.36%

248.648.8598 www.hfgllc.com S&P Declines 1975-2014

Type of Decline Total Number Average Frequency

-5% or more 120 About three times a year

-10% or more 31 About once every 1.3 years

-15% or more 11 About once every 3.6 years

-20% or more 5 About once every 8 years

Source: American Funds

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VS.

248.648.8598 www.hfgllc.com 248.648.8598 www.hfgllc.com 248.648.8598 www.hfgllc.com BRIAN WESBURY – Chief Economist

• Chief Economist at First Trust Advisors L.P. • MBA from ’s Kellogg School of Management • BA in Economics from the University of Montana • Member of the Academic Advisory Council of the Federal Reserve Bank of from 1999-2007 • Served as Chief Economist for the Joint Economic Committee of the U.S. Congress • Named a Fellow of the George W. Bush Presidential Center • Appears regularly on Fox, Bloomberg, CNBC, and BNN Canada TV • ranked Mr. Wesbury the nation’s #1 U.S. economic forecaster in 2001 • USA Today ranked him as one of the nation’s top 10 forecasters in 2004 248.648.8598 www.hfgllc.com