Second-Opinion Service Exclusively for friends, family and associates of our valued clients

• Asset allocation

• Portfolio management

• Manager due diligence

• Risk evaluation

• Performance analysis

RELATIONSHIP MANAGEMENT INVESTING CONSULTING

• Regularly scheduled calls,reviews and in-person meetings

• Team of professionals, includinglegal, tax, insurance, andinvestment advisors

• Wealth enhancement, includingcash flow management and taxminimization

• Wealth transfer

• Wealth protection

ADVANCED PLANNING

“We’re here to take the mystery out of retirement.” Our Mission is to help our clients “live greatly.” Financially, we hope they are confidently living a life where their values and goals align with their financial plan. In order to help the people you care about achieve their financial goals, we have created a complimentary second-opinion service.

In this challenging economy, you probably know a friend, family member or colleague who may be in a complex situation or just unhappy with the advise from his or her financial advisor—it's not uncommon. We believe that many affluent investors would value a second opinion on their finances.

Working with a team that redefines wealth management Ask ten investors to define wealth management. Actually, ask ten "wealth managers" to do so. You will almost certainly get ten different answers, with most heavily focused on investing. As a client of Great Waters Financial, however, you benefit from a cutting-edge team that has a clear and comprehensive vision of wealth management.

Wealth Management

Regular Strategy Sessions

Implementation and Account

Opening

Great Waters Solution Meeting

Comprehensive Analysis Meeting

Our consultative process We approach each new engagement with a consultative process. This allows us to have an open dialogue in which we learn about every client's values and goals while working with them to tailor a plan to help achieve those goals. As a valued client, you will recognize the five steps below as the process you have experienced with us. Through our second-opinion service, your friends, family members and associates can enjoy a portion of this experience at no cost.

Full Client Experience

Discovery Meeting

What to expect from our second-opinion service With our Mission in mind, we will meet with your friends, family members and associates for a Discovery Meeting. During that time, our team seeks to understand their unique financial situation. In a follow-up Analysis Meeting, we will use our tools, resources, and software to present a thorough review of their current plan. Hopefully we can confirm that they are on track to fulfill their values and achieve their goals with their current financial advisor. If needed, however, we will suggest ways in which we can help—including recommending another provider if we are not the right fit for their needs. Either way, they will receive a comprehensive review and a personalized analysis of their current situation.

Second-opinion ServiceComprehensive

Analysis Meeting

Discovery Meeting

www.greatwatersfinancial.com

Investment advisory services offered through AdvisorNet Wealth Management (AWM). Great Waters Financial and AWM are not affiliated. Insurance products provided by Great Waters Financial, a Minnesota insurance agency.

Why get a second opinion? -Understand your risk tolerance and make sure yourportfolio matches. -Make sure your current plan aligns with your goals.-Have confidence in your financial plan.

Let us help you help those you care about.

DULUTH 324 W Superior St Suite 1405 Duluth, MN 55802

TEL +1 218 464 4399FAX +1 218 206 8585

PLYMOUTH 3390 Annapolis Ln N Unit B Plymouth, MN 55447

TEL +1 763 762 3145FAX +1 952 679 8081

RICHFIELD 2 Meridian Crossings Ste 140 Richfield, MN 55423

TEL +1 612 843 3721FAX +1 952 679 8082

WHITE BEAR LAKE 1259 Gun Club Rd White Bear Lake, MN 55110

TEL +1 651 964 3423FAX +1 952 679 8080