Securities Offered exclusively through American Portfolios Financial Services, Inc., Member FINRA/SIPC

1. Private Wealth Management Solutions Huntley Financial Services Inc. Mark A. Huntley Registered Investment Advisor American Portfolios Financial Services 116 Main Street / Suite 5 Ludlow, Vermont 05149 888-922-1035 mhuntley@americanportfolios.co Securities Offered exclusively through American Portfolios Financial Services, Inc., Member FINRA/SIPC

2. Do You Need a Professional Advisor? How do I stay ahead of inflation? How much can I spend without running out of money? How much do I need to save? When can I stop working? How much should I leave to my heirs? Am I on track? Can I reduce my income taxes? How can I make sure I don’t outlive my savings? Are my investments conservative enough? Do I have the right investments? How much risk do I need to take? Should I pay off the mortgage? Should I downsize my home? How can I protect my loved ones if I die? How can I preserve my estate? How can I be protected if disabled? Do I have enough? Do I need Long Term Health Care Protection? It might depend on how many of these are unresolved by your current planning.

3. Our Process Seeks to Optimize Returns & Minimize Risk... • Winning…by not losing • Minimize Portfolio Losses • Secure Income & Withdrawals during Market Downturns • Guaranteed Lifetime Income Solutions • Your peace of mind, is our number one priority

4. How Our Unique Process Works: We collaborate comprehensively with our clients to DISCOVER: Clarify where you are, where you want to go, DIAGNOSE: Where there are GAPS? DEVELOP: Your unique plan to BRIDGE THE GAPS DELIVER: Specific Solutions and work through the implementation MANAGE: Systematic approach to tracking and over-sight The Five Clear Steps Discover Diagnose Develop Deliver Manage

5. B Time Line Step 1: Discover We Work Closely With You To: A Clarify Where You Want to Go • Financial Independence • Business Sale and Transition • Education Funding • Legacy & Charitable Planning • Security & Fulfillment Fully Understand Where You Are Now • Learn About Your Values & Investment Experience • Assess Your Risk Tolerance • Establish Your Income & Liquidity Needs • Review Your Adversity Exposure Using Our “Values-Based” Planning Process

6. B Time Line Step 2: Diagnose- We Identify Where There Are Gaps Where You Want to Go A Where You Are Now • ANALYSIS • Portfolio Analysis • Income Tax Evaluation • Retirement Plan Review • Managed Risk Assessment Taking into consideration specific situations, including the unexpected, that may affect your financial future

7. B Time Line Step 3: Develop A Client Specific Plan, Tailored to Your Unique Situation, That: Where You Want to Go A Where You Are Now • Bridges The Gaps With As Much Certainty and As Little Risk As Possible • Reflects Your Goals, Objectives, Life Stages and Comfort Range

8. Steps 4 & 5: Deliver & Manage Specific Solutions With These Objectives … Manage Your Assets Investment Consulting Professional Asset Management Alternative Investments Cash Management Tactical Asset Allocation Corporate Services Protect Your Wealth Protected Growth & Income Programs New Insurance Strategies Concentrated stock Solutions Tax Planning Strategies Tax Efficient Investing Build Your Legacy Estate Planning Strategies Charitable Giving Education Funding Professional Trustee Services Business Succession Planning We will develop this plan with you to assure that it reflects your preferences, and we’ll make any revisions you may request.

9. … And Work Through the Implementation … Accountant Other Local Professionals Mark Huntley Registered Investment Advisor® A Contractual Relationship with Arms-Length Estate Attorney Business Analyst & Succession Planners By “Conducting” Among Your Various Professionals, with the goal of, Saving You Time, Giving You Confidence and Peace of Mind ….

10. A disciplined process, toward securing your Financial Freedom 1.Define Goals Access Risk Financial Plan Analysis 4. Implement Plan Monitor and Rebalance Continuing Education 2. Go over Investment Policy Statement Put Account Paperwork & Account Transfers in motion 3. Discuss Recommendations Set Asset Allocation Targets Construct Portfolio

11. Our Clients Benefit From A More Controllable Investment Process Initial Meeting and Data Intake Define Your Financial Goals How Much Cash & Liquidity for Comfort? How Much Income for Expenditures? How Much Risk is Needed to Achieve Your Goals? With How Much Risk Are You Comfortable? • RETIREMENT CASH FLOW ANALYSIS • Estimate Rate of Return Needed • Defines How Much Risk We Need to Take • Provides Feasibility Feedback • - Establishes Benchmark to Track Progress PORTFOLIO REVIEW Identify Portfolio Gaps & Concentrations Seeks to Maximize Return Commensurate with Your Risk Level Defines How Much Liquidity We Need IMPLEMENTATION Balance Portfolio by Asset Classes MONITOR & ADJUST: -For Changes in Your Situation -For Market or Economic Changes A Comprehensive, Goal-Oriented Team Collaboration

12. Huntley Financial ServicesA Proven Strategy to Building and Preserving Wealth With our unique approach, you will: • Have a comprehensive plan for your retirement and income objectives; • Have organized and diversified investments that make sense for your specific situation; • Be aware or any potential dangers and have a plan to deal with them effectively; • Have a complete estate plan with strategies in place to manage risk; • Enjoy greater freedom and security during your retirement; • Be working with a financial advisor on a consistent basis to help you stay on track; • Protect and grow your money to help you to enjoy life and achieve your dreams

13. Keys to Our Relationship Our goal: Your 100% satisfaction with the advice and service you receive.

14. Profiles of Our Ideal Clients We serve a select number of diverse clientele including: • Retirees: Provide solutions for secure, dependable lifetime income with inflation protection; • Pre-Retirees: Develop programs to consistently build assets and identifying tax saving opportunities; • Business Owners: Optimize personal benefit from business, help assure lucrative disposition or succession; • Executives: Diversify exposure to employer stock, optimize corporate benefits; • Women Decision-Makers: Develop plan to help achieve financial independence & protect against loss; • Wealthy: Protect against tax erosion and market loss, meet legacy and philanthropic goals; • Sudden Affluent: Help assure secure lifetime current income and preservation; • Professionals: Protect assets against erosion from income & estate taxes, liability potential and market loss; • Risk Adverse: Provide solutions to achieve investment growth with protection against market loss;

15. Compliance Disclosures • Investing in small-cap stocks generally involves greater risks and, therefore, may not be appropriate for every investor. • Please note that international investing involves special risks, including currency fluctuations, different financial accounting standards, and possible political and economic volatility. • U.S. government bonds and Treasury bills are guaranteed by the U.S. government and, if held to maturity, offer a fixed rate of return and guaranteed principal value. U.S. government bonds are issued and guaranteed as to the timely payment of principal and interest by the federal government. Treasury bills are certificates reflecting short-term (less than one year) obligations of the U.S. government. • Standard deviation measures the fluctuation of returns around the arithmetic average return of investment. The higher the standard deviation, the greater the variability (and thus risk) of the investment returns. • Diversification does not ensure a profit or guarantee against a loss. • The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. • High-yield (below investment grade) bonds are not suitable for all investors. When appropriate, these bonds should only comprise a modest portion of your portfolio. This is neither an offer to buy nor sell any securities. Past Performance is not a guarantee of future results. All information is obtained from sources deemed reliable but not guaranteed. No tax or legal advice is given nor intended. By industry regulation, we cannot accept orders to execute trades via e-mail. In addition, by corporate policy we cannot accept time-sensitive information via e-mail. If you would like to execute a trade or if you have time-sensitive information for me, please call my office. We cannot guarantee receipt of, nor the timing of placement, for investment orders received via e-mail.. Member FINRA/SIPC Securities offered exclusivelythrough American Portfolios Financial Services Inc.