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Richmond Brothers, Inc. is a Registered Investment Adviser.

Formalities. Richmond Brothers, Inc. is a Registered Investment Adviser. Richmond Brothers, Inc. does not provide tax or legal advice; consult your tax or legal advisor regarding your particular situation.

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Richmond Brothers, Inc. is a Registered Investment Adviser.

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  1. Formalities Richmond Brothers, Inc. is a Registered Investment Adviser. Richmond Brothers, Inc. does not provide tax or legal advice; consult your tax or legal advisor regarding your particular situation. The indices mentioned in this seminar are unmanaged and not available for direct investment. Past performance is no guarantee of future results. Opinions, estimates, forecasts, and statements of financial market trends that are based on current market conditions constitute our judgment and are subject to change without notice. We believe the information contained in this commentary has been obtained from sources that are reliable. This presentation is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. These are the views of Platinum Advisor Marketing Strategies, LLC, and not necessarily those of the named representative, Broker dealer or Investment Advisor, and should not be construed as investment advice. Neither the named representative nor the named Broker dealer or Investment Advisor gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your financial advisor for further information.

  2. General TRIVIA Q: _____ percent of people over 65 will need help at some point with everyday living tasks (such as bathing, eating and dressing). A: 40 B: 50 C: 60 D: 70 Source: National Clearing House for Long Term Care Information, 2011

  3. Agenda • A Review of 2013 • Factors Affecting the Stock Market and Economy • 2014 Forecasts • Tax Time Reminders

  4. Since the 2007 PEAK The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31st, 2013. S&P 500 – October 2007 through December 2013 17.58% 1800 1600 1400 1200 1000 800

  5. 2013 Snapshot The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31st, 2013. Budget Debates Government Shutdown Renewed Tapering Fears Fed Hints At End of QE Approaching Sequestration Deadline

  6. 2013 FORECASTS Source: Barrons.com Analyst Expectations vs. Actual S&P 500 Close for 2013

  7. COMPARING RETURNS Source: Google Finance, MSCI Barra. Disclosures on following slide. 2013 Index Performance

  8. DISCLOSURES The indices mentioned on the previous slide are unmanaged and not available for direct investment. Past performance is no guarantee of future results. All data is sourced from Yahoo Finance and MSCI unless otherwise noted. S&P 500 measures the performance of large capitalization U.S. stocks. The S&P 500 is a market-value-weighted index of 500 stocks that are traded on the NYSE, AMEX, and NASDAQ. The weightings make each company’s influence on the Index performance directly proportional to that company’s market value. S&P 500 Growth and S&P 500 Value measure the performance of the growth and value styles of investing in large cap U.S. stocks. The indices are constructed by dividing the market capitalization of the S&P 500 Index into Growth and Value indices, using style “factors” to make the assignment. The Value Index contains those S&P 500 securities with a greater-than-average value orientation, while the Growth Index contains those securities with a greater-than average growth orientation. The indices are market-capitalization-weighted. The constituent securities are not mutually exclusive. Russell 2000 measures the performance of small capitalization U.S. stocks. The Russell 2000 is a market-value-weighted index of the 2,000 smallest stocks in the broad-market Russell 3000 Index. These securities are traded on the NYSE, AMEX, and NASDAQ. Russell 2000 Value and Russell 2000 Growth measure the performance of the growth and value styles of investing in small cap U.S. stocks. The indices are constructed by dividing the market capitalization of the Russell 2000 Index into Growth and Value indices, using style “factors” to make the assignment. The Value Index contains those Russell 2000 securities with a greater-than-average value orientation, while the Growth Index contains those securities with a greater-than-average growth orientation. Securities in the Value Index generally have lower price-to-book and price-earnings ratios than those in the Growth Index. The indices are market-capitalization-weighted. The constituent securities are not mutually exclusive. MSCI EAFE is a Morgan Stanley Capital International Index that is designed to measure the performance of the developed stock markets of Europe, Australasia, and the Far East. MSCI Emerging Markets is a Morgan Stanley Capital International Index that is designed to measure the performance of equity markets in 21 emerging countries around the world. Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year.

  9. Comparing Hypothetical Returns This is a hypothetical example only, and is not intended to represent any actual investment. Indexes are unmanaged and not available for direct investment. Past performance is no guarantee of future results. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. The Barclays Aggregate Bond Index includes U.S. government, corporate, and mortgage-backed securities with maturities of at least one year. The 50% Stock / 50% Bond blend is a hybrid of 50% S&P 500 and 50% Barclays Aggregate Bond Index. All index returns exclude reinvested dividends. Past performance is no guarantee of future results. Data Source: Google Finance. 2013 Index Performance

  10. Bonds Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of atleast one year. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Google Finance. All data as of December 31st, 2013.

  11. Bonds Barclays Aggregate Bond Index (formerly the Lehman Brothers Aggregate Bond Index) includes U.S. government, corporate, and mortgage-backed securities with maturities of atleast one year. Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. Data Source: Yahoo Finance. All data as of December 31st, 2013. Barclays Aggregate Bond Index – 2013 Performance

  12. FORECASTS: FED FUNDS TARGET RATE Historical Forecast Source: BLS.gov, online.wsj.com. Projections are based on opinions of analysts polled at the time of the survey. Survey conducted December 6-10, 2013. The Wall Street Journal surveys a group of 56 economists throughout the year.

  13. Economies of the World Source: Bloomberg, 9/30/13. GDP (Gross Domestic Product) is the total value of all final goods and services produced in a country in a given year. Past performance does not guarantee future results.

  14. Financial TRIVIA Q: The biggest one-year jump in U.S. average daily oil production occurred in… A: 1956 B: 1980 C: 2012 D: 2013 Source: FuelFix

  15. Agenda • A Review of 2013 • Factors Affecting the Stock Market andEconomy

  16. Housing Home Prices Indexed to 100, seasonally adjusted Sources: (Left) National Association of Realtors, Standard & Poor's, FHFA, FactSet, J.P. Morgan Asset Management. (Top right) Census Bureau, J.P. Morgan Asset Management. Monthly mortgage payment assumes the prevailing 30-year fixed-rate mortgage rates and average new home prices excluding a 20% downpayment. (Bottom right) Census Bureau, National Association of Realtors, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13.

  17. Housing Sources: (Left) National Association of Realtors, Standard & Poor's, FHFA, FactSet, J.P. Morgan Asset Management. (Top right) Census Bureau, J.P. Morgan Asset Management. Monthly mortgage payment assumes the prevailing 30-year fixed-rate mortgage rates and average new home prices excluding a 20% downpayment. (Bottom right) Census Bureau, National Association of Realtors, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13.

  18. Employment 10% 6.7% Source: BLS, FactSet, J.P. Morgan Asset Management. Guide to the Markets - U.S. Data are as of 12/31/13.

  19. Corporate Cash Source: Standard & Poor’s, FactSet, J.P. Morgan Asset Management.Data are as of 12/31/13.

  20. Inflation Source: BLS, FactSet, J.P. Morgan Asset Management. CPI used is CPI-U and values shown are % change vs. 1 year ago and reflect November 2013 CPI data. Core CPI is defined as CPI excluding food an energy prices. Guide to the Markets – U.S. Data are as of 12/31/13.

  21. Financial TRIVIA Q: Today, the national debt is over $17 trillion. In 1981, it was less than… A: $1 trillion B: $3 trillion C: $7 trillion D: $11 trillion Source: TreasurDirect.gov

  22. Agenda • A Review of 2013 • Factors Affecting the Stock Market and Economy • 2014 Forecasts

  23. 2014 FORECASTS Source: Business Insider 2014 S&P 500 Target Average 1,949 (5.46% growth)

  24. FORECAST Source: The views displayed on this slide represent the opinions of Oppenheimer as of 12/31/13, are subject to change based on subsequent developments, are not intended as investment advice, and are not intended to predict or depict the performance of any investment.

  25. CURRENT INTERESTS February 4, 2014

  26. Rising Rates and Stocks Source: UBS U.S. Equity and Derivatives Strategy 2014 Outlook 1986 34.7% over 8 months 1988 41.9% over 28 months 1999 11.3% over 9 months 2004 37.2% over 40 months

  27. BE WELL. Source: InvestmentNews “…a one-day drop in equities of around 1.5% is followed by about a 0.26% increase in hospital admissions on average over the next two days. Equity-market losses appear to induce 3,700 market- related hospitalizations a year in California…”

  28. Financial TRIVIA Q: Start with a dollar. Double it every day. In 48 days you'll own… A: $20 million B: $200 million C: $200 billion D: $200 trillion Source: Huffington Post

  29. Agenda • A Review of 2013 • Factors Affecting the Stock Market and Economy • 2014 Forecasts • Tax Time Reminders

  30. tAX HELP • February 18th, 2014 • Most tax forms available • Visit website (www.richmondbrothers.com) for resources: • Tax brackets • Mailing dates • Links to most requested tax forms on IRS

  31. FIDELITY LOGIN

  32. tAX STATEMENTS Agenda

  33. tAX STATEMENTS Agenda

  34. UNTIL NEXT TIME… Contact us today: Phone: 517-536-5000 Toll Free: 877-467-2367 E-mail: questions@richmondbrothers.com Web: www.richmondbrothers.com

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