New Higher Rate of Return Products Available

Suitability… What fits your situation best?

Tired of losing money with 1.25% to 1.5% return rates Bank’s and CD’s on your deposits?

Tired of worry and loss of volatile stock market performance?

Consider the alternatives… You pick the program

Here are some features available:

Opportunity to participate in higher than CD yields with safety.
Credited annual rates 3% -7.75%
A 5% Bonus (Immediately) on money deposited year 1-5.
A 10% Bonus (Immediately) on money deposited year 1-5.
Guaranteed principal.
Each year, you may receive indexed interest based on changes in a market index, subject to a cap or spread.
A 20% Bonus on money deposited year 1-3.
Any indexed interest is locked in once a year, and can never be lost due to market index declines.

Financial Strength and backing

Agency	Current Rating
A.M. Best	A (Excellent)
Standard & Poor's	AA (Very Strong)
Moody's	A2 (Good)

These independent agency ratings are based on an analysis of financial results and evaluation of management objectives and strategies. The ratings do not pertain to investment options, which fluctuate with market conditions. The ratings do not indicate approval by the analysts and are subject to change.

The A.M. Best rating of A (Excellent) is the 3rd highest of 16 possible ratings, and was affirmed February 2010.

The Standard and Poors rating of AA (Very Strong) is the 3rd highest of 21 possible ratings, and was affirmed September 2009.

The Moodys rating of A2 (Good) is the 6th highest of 21 possible ratings, and was affirmed August 2009.

If you want to discuss any of these options, I will call you directly myself. Based upon our conversation I will send you written details and specifics.

YES, I want to Talk!

steve@stevemellinger.com

Call Us: 574-532-0853

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Family Business -where can we help?

• Family Business Succession: The Final Test of Greatness • Family Meetings: How To Build A Stronger Family and A Stronger Business • Preparing Successors for Leadership: Another Kind of Hero • How Families Work Together • Family Business Compensation • How to Choose & Use Advisors: Getting the Best Professional Family Business Advice • Financing Transitions: Managing Capital and Liquidity In the Family Business • Family Business Governance: Maximizing Family and Business Potential • Preparing Your Family Business for Strategic Change • Making Sibling Teams Work: The Next Generation • Developing Family Business Policies: Your Guide to the Future • Family Business Values: How to Assure a Legacy of Continuity and Success • The Family Constitution: Agreements to Secure and Perpetuate Your Family and Your Business • Effective Leadership in the Family Business • From Siblings to Cousins: Prospering in the Third Generation and Beyond

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The Professional Advisors Network includes firms to assist you in all the need areas mentioned. A comprehensive and holistic approach secures generational business and family objectives.