BlueChip Advisors, LLC Company Description Summary

1. ADVISORS, LLC .
Company Summary

2. About BlueChip Advisors
At BlueChip Advisors, LLC we define our role as advocates who work on behalf of individuals,
business owners and their families to provide highly specialized financial and advisory services.
Our goal is to help you protect what you have worked so hard to create, increase your finan-
cial potential and to assist you in maximizing your retirement or early retirement opportuni-
ties.
Started in 1993, BlueChip Advisors, LLC was developed in order to create a high end, compre-
hensive and highly specialized financial and advisory services company. Growing rapidly by
referral only, BlueChip Advisors quickly began catering to business owners and high net worth
clients. By 1995 a team of top advisors was formed and the accolades began rolling in.
BlueChip Advisors has won multiple Top Advisor Awards, including the Top Gun Award in
2005. Our advisors are proud of the standards of excellence that have been the cornerstone
of their business since its start.
Today, BlueChip Advisors continues to grow, with a team full of the best advisors in the busi-
ness and a growing list of highly specialized services available to the public.
Thank you in advance for your interest in our unique proprietary programs.

3. Our Services
Dentist/Physician Services & Business Owner Consulting
At BlueChip Advisors, we believe if you are an owner of a Dental or Medical practice you have
specific needs. As with most business owners you may spend more time working in your busi-
ness than on your business.
For this reason, we created a unique program called BluePrints for Tomorrow to address busi-
ness issues by bringing together the combined experience of distinguished tax, legal, insurance
and financial professionals with institutional experience.
Our goal with this program is to help you protect what you have worked so hard to create, in-
crease the financial potential of your business and to assist you in maximizing your retirement
or early retirement opportunities.
Our Services include but are not limited to:
Practice Management
Design of unique Asset Protection programs
Practice Transition / Succession
Utilizing your business to increase personal wealth
Key Employee compensation
To learn more, please call our office to arrange a no-obligation consultation
Estate/Legacy Planning
BlueChip Advisors provides you with comprehensive assistance to plan your legacy. Working
with your estate planning team (CPA, Attorney), we advise on the following:
Legal Documents - BlueChip Advisors can assist you with a recommendation of a qualified at-
torney for the preparation of the necessary legal documents including power of attorney, wills
and trusts.
Liquidity Options – BlueChip Advisors will assist you in preparing the most efficient method for
planning your estate. Our consulting services utilize methods that may include, but are not
limited to: Second-to-Die life insurance, Irrevocable Life Insurance Trusts (ILIT) and Capital As-
set Transfers.
Tax Efficiency – BlueChip Advisors considers current and future tax law and its effect on your
estate.

4. Business Succession Planning – An element of our BluePrints for Tomorrow program addresses
the planning and creating of a tax efficient plan to transfer your business interests to the next
generation or new ownership. In most cases, the lack of planning for your business succession
can be very costly.
Charitable Planning
Over the past 10 years, BlueChip Advisors, LLC has been working to develop programs for non-
profits, ministries and other charities to raise funds for short-term cash needs as well as en-
dowment programs for long-term financial stability.
The result is our “Give Without Limits” Program.
At BlueChip Advisors, we define our role as advocates on behalf of charities and the families
that support them. Our unique program addresses charitable planning issues by bringing to-
gether the combined experience of distinguished tax, legal, insurance and financial profession-
als with institutional expertise.
Our services include:
•Strategic Gift Planning & Consulting
•Donor Advised Funds
•Wealth Replacement Trusts
•Endowment Programs
•Fundraising
Our goal, through our Give Without Limits Program, is to increase awareness of charities and
their donor base about the opportunities that exist in the charitable giving arena as well as to
provide them with the resources necessary to facilitate these sophisticated transactions.
Risk Management
Risk management is a prioritization process whereby your risks with the greatest loss potential
and the greatest probability of occurring are handled first. Risks with lower probability of oc-
currence and less potential loss are handled in descending order. We understand that balanc-
ing probability and risk can often be difficult and mishandled.
Furthermore, you face the difficulty of allocating resources. Risk management incurs an oppor-
tunity cost. Resources spent on risk management could have been spent on more profitable
activities. Therefore, we help you minimize spending while maximizing the reduction of the
negative effects of risk.

5. Risks for individuals and families (Asset loss due to):
• Estate and/or death taxes
• Early or unexpected death (lost income, illiquid assets)
• Inability to work due to disability
• Need for home health care, stay in assisted living, or nursing home expenses
• Market risk
• Longevity – outliving your income/assets
• Cost of health care
• Legal liability
• Fire, flood, accidents, theft, vandalism
Risk Management:
• Insurance
• Titling
• Trusts
• Incorporation
• Planning
Investment Management
Throughout history, every marketplace has been unique. Therefore it is imperative that you
separate yourself from “The Herd” – those investors who make decisions in an emotional state
of mind with a short time horizon and a short fuse.
Our unique, proprietary investment systems separate you from The Herd.
Our Triple Discipline Investment System™ utilizes a fundamental approach that removes hu-
man emotion from the investment process.
For retirees, our system allows you to significantly reduce the number of equity shares sold to
produce retirement cash flow. As a result, we add to the long-term growth potential of your
portfolio. We seek to maximize the amount of income you can draw without diminishing prin-
cipal.
Visit our investment management website: http://www.bluechip-financial.com

6. BlueChip Financial Services
Retirement Planning
We help you to make the most of your employer-sponsored retirement plans and IRAs by de-
termining how much you need to retire comfortably and manage your assets before and dur-
ing retirement.
Tax Management
BlueChip Financial makes sure that you don’t pay a penny more than the law requires. We
look for ways to help reduce your current and future tax burden and can refer you to qualified
tax specialists.
Estate Planning
We will review your wills and trusts for you, helping to preserve your estate for your intended
heirs. BlueChip Financial can help you with beneficiary designations, reducing exposure to es-
tate taxes and probate costs as well as coordinating with your tax and legal advisors.
Risk Management
BlueChip Financial will review your existing insurance policies, recommending policy changes
when appropriate and finding the best policy for your situation.
Education Funding
We will recommend investment and accumulation strategies to help you pay for your chil-
dren’s education.
Investment Planning
BlueChip Financial will determine your asset allocation needs, help you understand your risk
tolerance and recommend the appropriate investment vehicles to help you reach and exceed
your goals.
Employee and Executive Benefits
BlueChip Financial will help your business attract and retain qualified employees through
benefit packages.
BlueChip Financial’s Unique System:
The Herd represents approximately 85% of investors – investors who make decisions in an
emotional state of mind with a short time horizon and a short fuse. They buy and sell based on
greed and fear. When a stock goes up, they buy high. When a position begins to decline, they
ride it down and often sell low. If the assets of the long-term investor are mingled with the

7. Herd via mutual funds or large institutionally managed private accounts, the investor’s hold-
ings are attached to the same emotional roller coaster.
We have spent over two decades developing a proprietary patent pending investment man-
agement system that totally removes human emotion from decision making, thereby separat-
ing our clients from the Herd. It is based on three key disciplines which we use to our clients’
advantage.
The Triple Discipline Investment System™
Holding Periods
The first discipline is Holding Periods. The equity markets for any given asset class make a full
up-and-down cycle every five years. That means an investor should remain in an asset class for
a full five year cycle in order to achieve its highest high or recover from its lowest low. How-
ever, most of the Herd operates with a much shorter holding period, causing performance to
be driven by short-term, emotional decision makers. Therefore, we ask that any investor who
joins our system remain committed to a five-year holding period.
Inverse Correlation
Inverse correlation simply means that in any given market cycle, not all asset classes behave
the same. Oftentimes they rise and fall inversely to one another. Therefore, we try to maxi-
mize inverse correlation when integrating asset classes into each portfolio, thereby reducing
the volatility of the portfolio without sacrificing growth.
Rebalancing
Most firms and asset allocation portfolios offer rebalancing, either monthly, quarterly or annu-
ally. This pre-set rebalancing returns your portfolio to its originally intended allocation regard-
less of the market. Our system uses pre-determined trigger points based on historical average
discrepancies between the various asset classes, enabling us to take advantage of opportune
buy/sell cycles in the market.
The combination of these three disciplines, and removing human emotion from the invest-
ment process, allows Discipline Advisors to add value to managing your investments. This
same disciplined approach makes it possible to manage accounts during the wealth accumula-
tion stage as well as the income withdrawal phase of the portfolio. By allowing us to signifi-
cantly and strategically reduce the number of shares sold to produce retirement cash-flows,
our system adds to the long-term growth potential of your portfolio, maximizing the amount
of income you can withdraw without diminishing principal.

8. Our Management Team
Rick Guetzkow
President
R ick Guetzkow is President of BlueChip Advisors, LLC and has been a consultant for over
18 years, helping companies and professionals to develop long-term, sustainable strategies in
the areas of business planning, employee benefits, communication and enrollment.
Rick started his career in 1991, fresh out of college, at John Hancock where he worked as a
personal advisor. Within two years, Rick discovered his passion in working with businesses
and business owners. Thus, in 1993, Rick developed BlueChip Advisors, LLC. Rick started
BlueChip Advisors in order to create a high end, comprehensive and highly specialized finan-
cial and advisory services company.
As a part of this new business venture, Rick designed and implemented BluePrints for Tomor-
row for business owners. BluePrints for Tomorrow is a step by step process for succession
planning, helping clients to protect what they have worked so hard to create.
Additionally, Rick developed and created a successful charitable gift program, Give Without
Limits, working with non-profits and charities to create endowments and funds as well as to
help raise additional funds. This unique program addresses charitable planning issues by
bringing together the combined experience of distinguished tax, legal, insurance and financial
professionals with institutional expertise.
Rick believes that business owners spend more time working in their business, than on their
business. Through the successful programs he has created and the expert team he has assem-
bled at BlueChip Advisors, Rick is helping business owners to successfully grow, keep and
leave their money.

9. Chris Guetzkow
Vice President
C hris Guetzkow is Vice President of BlueChip Advisors, LLC. He is responsible to business
development and operations, including the creation of partnerships, products and services.
Chris joined BlueChip Advisors right out of school in 1996. While helping Rick to build the busi-
ness, Chris used his broad knowledge base of insurance and investments to help grow and de-
velop the wide range of services that make BlueChip Advisors so unique.
As Vice President, Chris is a “jack of all trades,” overseeing the day to day operations at
BlueChip Advisors as well as taking charge of systems, marketing, business development and
business partnerships. In keeping with BlueChip’s mission to act as advocates who work on
behalf of their clients by providing specialized financial and advisory services, Chris is con-
stantly finding new and innovative ways to build business relationships and increase the ser-
vices available to clients and business partners.

10. Derek D. Villars, CLU
Advisor
D erek D. Villars works as a consult-
ant to both clients and other professional
advisors. He works with a client’s existing
advisors to help clients both properly hold
and manage their assets for the most ef-
fective eventual distribution of those as-
sets to themselves or others. This is done
through careful analysis of the tax code
and manipulation of the available vehicles
for accumulating, preserving and distrib-
uting wealth.
Derek focuses on “outside the box” strategies and programs which provide the key elements of:
security, risk mitigation, liquidity, positive leverage or arbitrage and after-tax and after-fee re-
turn on investment.
Derek received his Bachelor of Arts in Speech Communication and Management from St. Cloud
State University, then went on to receive his CLU® (Insurance Specialty) and his CASL® (Senior
Retirement Coaching) from The American College.
Prior to his position at BlueChip Advisors, Derek worked as an Equity Strategist for a local finan-
cial firm and served as a Management Team Member as well. Here he specialized in two areas
of individual financial strategy: maximizing return-on and safety-of real estate equity, and creat-
ing and managing private (non-qualified) retirement plans. Derek was also a Financial Represen-
tative for Northwestern Mutual where he worked to help individuals and small companies
achieve greater financial security and growth through traditional financial strategies, vehicles
and products.
Derek specializes in personal wealth enhancement through market loss mitigation, real estate
equity management and preservation, private (non-qualified) retirement planning, personal fi-
nancial leverage strategies and asset protection planning. Additionally, Derek works with busi-
ness owners to create financial “BluePrints” for their businesses and with non profit organiza-
tions to map out charitable giving techniques and strategies, non-profit leveraged funding and
endowment creation.

11. Gregg Sainsbury, MBA, CFP ®
Financial Advisor
G regg Sainsbury is responsible for
planning and implementing the invest-
ment strategies for our firm. He is pas-
sionate about studying the markets and
exploring unique investment strategies
for his clients.
After graduating with honors from Gusta-
vus Adolphus College with a degree in fi-
nance, Gregg received his Master of Busi-
ness Administration degree from the Uni-
versity of St. Thomas.
He is also a Certified Financial Planner (CFP®) with 13 years of investment experience. His back-
ground is in investment management with an emphasis on risk management, minimizing risk
while maximizing return.
Before he began with BlueChip Advisors, Gregg was the Director of Investment at a large local
firm, managing over $100 million of client assets.
Gregg specializes in income distribution planning for retired individuals, business entities and
charitable foundations as well as Social Security planning and analysis. Additionally, Gregg is an
expert in the taxation aspect of asset management and financial planning.
In addition to being an expert financial advisor for BlueChip Advisors, Gregg teaches continuing
education to financial professionals as an instructor at Kaplan Professional Schools. He is also a
Registered Securities Representative (Series 7, 65 and 63) in addition to being a licensed repre-
sentative for Life and Health Insurance.
Are you worried about your investments in this financial crisis? Come in and talk to Gregg.

12. Stephen L. Cole, CLU, ChFC, CSA
Advisor
S tephen L. Cole is a nationally
recognized expert in Financial Plan-
ning who specializes in non-risk in-
vestments and legitimate tax advan-
tages. His planning style involves a
heavy emphasis on teaching clients
how to make informed, timely deci-
sions that lead to a more comfortable
lifestyle.
Not only did Stephen receive a Masters Degree in Social Work, but he is also a Chartered Fi-
nancial Consultant, a Chartered Life Underwriter and a Certified Senior Advisor. Stephen
started his own practice in 1965 and has since had a very successful career in the Financial
Planning industry, including his current work with BlueChip Advisors.
Stephen is frequently invited to speak to consumer and financial groups alike to teach peo-
ple of all ages about his “unique” approach to safely increasing retirement income. Stephen
specializes in money management approaches that emphasize a “sleep well at night” atmos-
phere.
In additional to having helped to start the Financial Planning industry in the 1960’s, Stephen
is a past President of the International Association of Financial Planners - Twin Cities Chapter
and a past President of the Minneapolis Life Underwriters Association. Stephen has also
taught graduate classes focusing on Annuities, IRAs, Long-Term Care, Life Insurance and
ways to increase returns on conservative investments such as CDs.

13. © BlueChip Advisors, LLC 2009