SCHWARTZ

FI�A�CIAL

SERVICES I�C.

“The RetirementSpecialist”

Schwartz Financial Services, Inc.

Our comprehensive services include:

✓ Life Insurance

✓ Disability Insurance

✓ Health Insurance

✓ Fixed Annuities

✓ Automobile Insurance

✓ Homeowners Insurance

✓ Tax Preparation

We also deal with the following financial products:

✓ Stocks

✓ Bonds

✓ Mutual Funds

✓ Certificates of Deposit

✓ Variable Annuities

✓ Pension Plans

✓ Private Money Managers

Michael L. Schwartz, RFC, CFS, CSA, offers securities & ad-

visory services through First Allied Securities, Inc. Member

FINRA-SIPC. Schwartz Financial Service, Inc. Is not an

affiliate of First Allied Securities, Inc.

SCHWARTZ

FI�A�CIAL

SERVICES, I�C.

Is a company built on combining the traditional values of

Integrity, Service and Professionalism. Our courteous and

experienced staff of professionals are available for your

insurance and investment needs.

Service is our cornerstone that’s why we are committed to

giving you outstanding personalized service.

Our staff invites you to stop by our office and let us introduce

ourselves or give us a call and we’ll meet you at your home

or office.

115 Old York Road

Jenkintown, PA 19046

215-886-2122

E-mail: mike@schwartzfinancial.com

or visit us online

www.schwartzfinancial.com

Schwartz Financial Service, Inc. philosophy is

firmly grounded in the belief of diversified long-term

investing. We evaluate each client’s total financial

position, individual needs and objectives. We counsel our

clients to have long-term views of their portfolio, and hold

securities for an appropriate amount of time to reduce the

tax implications. We do our own in-house research and

analysis by using the media, internet and other

finance/business resources. We look for solid, stable, and

growing companies and keep a close eye out for new trends

in the economy.

We believe in diversification and proper allocation

between numerous stocks and mutual funds with a

wide range of goals. We also utilize a wide variety of in-

dustries from construction to telecommunication. We do

not trade frequently, provide “hot stock” tips, promise un-

realistic returns, or “time” the stock market.

The investment mix for each client is determined based

on their initial interview. Their portfolios are managed

according to their wishes and profile, from there we update

accordingly. Since we also offer tax preparation and tax

planning services, we take that additional knowledge

of our clients’ financial situations into consideration

while making portfolio decisions. With each client, we

agree upon client objectives and goals, Our clients’ invest-

ment policies range from ultra-conservative to very ag-

gressive.

Each client’s policy is implemented in a disciplined

consistent manner. We monitor, review, and make re-

visions as needed on a daily basis. Brokerage statements

are sent monthly and report portfolio results quarterly. Our

services are objective and designed to benefit you. Build-

ing long-term wealth potential requires at least 3-5 years

of planning and good investing habits. Trustworthy, disci-

plined, intelligent investing - not emotional speculation.

What We Do

Comprehensive Wealth Management

We Help Clients:

➢ Create & Grow Wealth Potential

• Through appropriate Investments

• Adequate Life Insurance

• Minimize Income Tax with Investments

➢ Protect & Preserve Wealth

• Analysis of Overall Investment Portfolio

- Asset Allocation Management

- Diversification Management

• Analysis of Overall Insurance Plan

(Life, Disability, Long-Term Care and Liability)

- Adequacy

- Appropriateness

- Cost Effectiveness

• Tax Sensitivity Management

➢ Plan the Distribution of Wealth During Life

• Qualified Retirement Plan/IRA

- Investment Issues

- Distribution at Death

• Corporate Executive Stock Options

- Investment Concentration Issues

- Funding of Exercise Plan

- Taxation Issues

- Transferability

• Business Succession Planning

• Durable Power of Attorney

• Gifting to Children

- Tax Efficiency

- Control

• Charitable Gifting

- Tax Efficiency

- Control

➢ Plan the Distribution of Wealth At Death

• Titling of Assets

• Who is Executor / Trustee - Lack of Continuity Issues

• Distribution of Wealth to Spouse, Descendants and Others

- Tax Efficiency

- Control - Who will Manage Assets

• Charitable Inclinations at Death

- Tax Efficiency

- Control - Who will Manage Assets

Our Vision

To have our c l ien ts see us as delivering

peace of mind through guiding them towards

financial security today and especially to-

morrow.

Our Mission

To guide our clients in making the right decision

for their financial future. We accomplish this

through education, communication and service

that exceeds our clients expectations.

Our Commitment to Our Clients

• Set expectations then strive to surpass them

(under promise, over deliver)

• Acknowledge a mistake and solve it immediately

• Do what is in the client’s best interest

• Check voice-mail and e-mail hourly and

respond quickly

• Take time to educate, educate and

educate clients

• Client’s are why we are here...

Treat them with TLC

• The customer’s perception is our reality.

If they think we blew it...WE DID