How to protect and grow your investments during retirement. If you are retired and have funds invested in the stock market and if you want to live well in retirement and avoid unpleasant surprised down the road, this Survival Guide is for you. If you are like me, you would prefer to hold on to any GAINS and avoid LOSS of principle, receive investment GROWTH above the norm and enjoy greater financial SECURITY and peace of mind, support an independent, active LIFESTYLE. And leave a legacy. Here's how I plan to do just that.

1. Why BUY and HOLD is DEAD...
And What Others Are Doing To
PROTECT & GROW
Their Retirement Funds

2. Warren Buffett’s
“Law of Inevitable Wealth”
Has Only 2 Rules:

3. 1. Never lose money
2. Never forget rule #1
Bear Markets steal our wealth...
20 Year Results for S&P 500 (to
6/26/2014)
When will the next Bear Market hit?

4. If You Are Retired & Have Funds
Invested In The Stock Market and...

5. You Want To
Live Well In Retirement and...

6. Avoid Unpleasant Surprises
Down The Road...

7. You’ve Come To The Right Source -
I’m About To Show You…

8. What every retired
person with money
in the stock market
needs to know....

9. If you’re like me -
you would prefer to
• Hold on to any GAINS and
avoid LOSS of principle
• Receive investment GROWTH
above the norm
• Enjoy greater financial
SECURITY and peace of mind
• Support an independent,
active LIFESTYLE
‣ And leave a legacy...

10. WARNING: This Could Be The
Most Important Information
You Will Ever Read About
Taking Control Of
Your Retirement Funds &
Protecting Your Future

11. Make No Mistake:
Your Investments,
Your Future, and
Your Family’s Future Are
On The Line

12. If You LOST MONEY
In The Last CRASH ...
You May Not Have Time
To Recover From Another!

13. It’s not your fault
• If that describes you, you are
not to blame
• You weren’t born knowing how
to protect and grow your money
- to make it work FOR you as
hard as you worked to earn it
• You simply haven’t discovered
and gained confidence in a
proven money manager with a
third-party verified program

14. What strategy will give you
a fighting chance?
• A method that
works with today’s
REALITIES
• A program in place
to PROTECT your
funds and GROW
your income

15. In My Experience,
Unless You Use A
Strategy Like This...
You Don't Stand a Chance

16. And if you don’t?
• Without a strategy
like this in place,
it’s going to be a
ROCKY RIDE
‣ Here’s why...

17. For these 2 main
reasons...

18. #1
Your Funds Are At Risk

19. #2
You Are Likely To Need
More Income Than
You Anticipate

20. First let’s discuss WHY
your funds are at RISK...

21. History shows markets
move in cycles
1897 1906 1924 1929 1954 1964 1983 2000 2012
‣ Gray: Bull Market Cycle
‣ Purple: Bear Market Cycle
Source: Guggenheim Investments - Graph uses data from Dow Jones Industrial Average from 1/1897 to 12/2012.
Value of Down Jones Industrial Average
18 yrs
25 yrs
17 yrs

22. What goes up...
must come down
• The S&P 500: Up over
180% since hitting
bottom in March 2009
• Almost 3 years have
passed since the
market experienced a
10% correction
• A “healthy pullback” is
likely
“We think this rally
is getting very long
in the tooth and we
wouldn’t be surprised
if we have a healthy
pullback in the coming
weeks or months.”
Source: Expect & Plan For A Major Stock Market Correction In the Coming Weeks/Months – Here’s Why & How,
SeekingAlpha; Excerpts from a Parsimony Investment Research article: “Correction 2014: Are You Prepared?” June 6, 2014

23. Why is this so urgent?
I’ll give you the biggest
reason right now

24. The Fed’s money-printing
“Deforms Wall Street”
• The Federal Reserve is pursuing
unsustainable policies never before
seen in America
‣ Never, ever before has the
government printed $3.5 trillion
• So the questions is, what happens
when the Fed stops the presses from
printing all that money?
Source: Porter Stansberry, “How The Fed’s Money-Printing Deforms Washington And Wall Street", July 1 2014; “The Stock
Market is Going to Crash” December 2013, Stansberry & Associates Investment Research.

25. Bleak outlook with
National Debt of 16 Trillion
Donald Trump paints an ugly picture of where this country
is headed:
“The United States is no longer a
rich country. When you’re not rich,
you have to go out and borrow money.
We’re borrowing from the Chinese and
others. We’re up to $16 trillion in
debt.”
“Right now, frankly, the country
isn’t doing well. Recession may be
a nice word.”
Source: Donald Trump commented during appearance on Fox News “On the Record with Greta Van Susteren”, July 31, 2014

26. Remember Warren Buffett’s “Law of Inevitable Wealth”:
1. Never lose money
2. Never forget rule #1
Bear Markets steal our wealth...
20 Year Results for S&P 500 (to
6/26/2014)
When the next Bear Market hits, will
you be prepared?

27. We Must Respond
QUICKLY
When The Market
Changes Direction

28. What’s your Bear Market
Strategy?
• “Buy and Hold” is a method
for a stable growth period
• Unless you have a bear market
strategy in place...
‣ A tough and costly ride
is on your horizon
• The only question is...

29. When?

30. Lets move on to the second reason WHY
your money is at RISK...
#2
You Are Likely To Need
More Income Than
You Anticipate

31. What’s your longevity plan?
• Our generation of retirees are the best educated,
healthiest, wealthiest, and longest-lived in history
• Instead of a life expectancy of ...
‣ A miserable 22 years
during the Roman Empire
‣ A mere 50 years at the
turn of the 20th Century
Source: “Life, Death and Entertainment in the Roman Empire” University of Michigan; CRS compilation from
National Center for Health Statistics (NCHS), United States Life Tables, 2014

32. Will you outlive your funds?
• With good nutrition, medicine, vaccinations, antibiotics,
hygiene and civility...
‣ We can expect to live well into our 80’s
Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013

33. Live long... and prosper?
• A person at age 65 is
likely to enjoy about 19
more years
‣ Men: 83 years
‣ Women: 85 years
• And if you live to age 75,
you’re likely to surpass
age 86!
76
83
86
81
85
89
At birth At age 65 At age 75
Males Females
Source: Center for Disease Control and Prevention, National Center for Health Statistics, Health, 2013

34. 85+ age group growing fast!
• 5.5 million Americans are
age 85 years and older
• The chances of one member
of a couple living past 90 are
better than 50/50:
‣ 1975: 38%
‣ 2010: 59%
‣ 2025: 64% projected
Source: U.S. Census Bureau, Population Projections, 2012. Federal Interagency Forum on Aging - Related
Statistics, Older Americans, Key indicators of well-being, 2012

35. Having Enough Money to
Support 10 Years of Retirement
Is Completely Different from
Supporting 25 years or More

36. BEWARE:
Longer Life Expectancy
Requires Both
PROTECTION & GROWTH
of Investments

37. You Can’t Risk
Loss of Principal
Or No Growth

38. You Haven’t
Enough Time ...
Period.

39. Now you may be
wondering how I
discovered all this
and...

40. How I came to sound this
warning call...
Hi, I’m Marvin Mills,
President and Founder of
Strategic Income Advisors
Here’s how I learned to
make my money work FOR
me as hard as I worked to
earn it…

41. My first experience
investing in the market -
One of my high school teachers, Mr. Glazier, would buy a
brand new, beautiful Oldsmobile 88 every year…

42. Now, how’d he do that?
I asked him, and he answered…
“Sign up for my economics
class and I’ll show you how.”
In class, he taught us how to
invest in stocks
I distinctly recall investing 5
dollars and about 5 months later,
I got back a whopping...

43. Five dollars + 65 cents!!
I was hooked!
I knew next to nothing about
investing, but I promised
myself that very day I would
become an investor

44. Being mathematically minded
I became an engineer –
Excellent training to analyze and
interpret numbers and measures
Working as a design engineer on
the Polaris missile project got me
interested in…
Stress Analysis
-

45. Interesting thing about
stress analysis -
A good stress model indicates when
CHANGE may be about to occur

46. The next turning point
in my life can impact
YOUR life as well:

47. In the investment world,
everything is cyclical
Fast-forward to 1966 when I had
the funds to invest in the stock
market
I did very well for the next 3 years
Back then, stocks were like boats in
the rising tide – they all went up
‣ I began to believe I was an
investment pro

48. Just in time...
In the middle of 1967, I was
blessed to meet Wolfe Schneider
Wolfe had developed a
mathematical method using a
“Moving Average” to discern
when stock market cycles were
about to change –

49. Like a stress analysis run
by an engineer...
Wolfe’s moving average
indicated when to GET OUT of
a coming bear market to
protect the profits made in the
bull market
Wolfe generously shared his
method with me

50. Bull markets turn into bears...
Based upon what Wolfe’s moving average was showing me at
the close of 1968…
‣ I banked my investments in CASH
Not long after, the market turned south and continued on that
path into 1970

51. The BEAR market my
analysis anticipated...

52. I sat in cash while
those who stayed
in the market gave
back their bull
market profits…
and then some!

53. Suppose That Happened
To YOUR Investments!

54. Now, I don’t want to mislead
you...
We don’t PREDICT, but RESPOND to the market
‣ It’s impossible to pick the EXACT high or the
EXACT low
What you CAN measure is the
direction of movement
The tools we use now are far
more sophisticated than
Wolfe’s moving average...
but similar in purpose

55. Again, I was hooked. Based on my experience –
Market Timing can protect
your profits
I decided I could be of greatest
service by becoming a really
good investor -
And like Wolfe, share with
others my knowledge of when
to GET IN and GET OUT of the
stock market

56. Extra! Extra! Read All About It...
Engineer Becomes Income Strategist
Based on these experiences, I got a
securities license and worked part-time
with a small firm called Unity
Securities to develop my skills
On January 1, 1973, I went-full time
Things went extremely well and I
retired 12 years later in 1985

57. Fast-forward to 2008 when
my wife and I were serving a
mission in Nauvoo, Illinois
with about 64 other couples
I witnessed the stock market
crash, which left most of our
fellow missionaries with
savings essentially cut in half
‣ I saw grown men cry

58. I couldn’t let this happen
again
Based on my lifetime experience as an engineer, investor,
and money manager…
‣ I evaluated many investment programs
I found what I consider to be the BEST PROGRAM to
aggressively protect retirement funds and formed
Strategic Income Advisors to make it available to others
in the same boat: at retirement age and…
‣ Needing both investment PROTECTION & GROWTH

59. Let’s not waste time -
In the next few slides I will
show you my 3-step strategy
designed to PROTECT your
investments, position you
for maximum GROWTH
…while you keep full
CONTROL of your funds

60. My 10-Point Checklist
Any investment program I choose must be able to PROVE
the following:
1 Total Return Make money or lose very little in bear markets like in 2008
2 Return Minimum 12% per year average return over 3-year period that includes a bear market
3 Account Type Not pooled - must be a separate and private account in your name
4 Fees & Commissions No charges or penalties for getting in or out of the investment
5 Liquidity Immediate access, without time limitations on withdrawals
6 Performance Data Must be actual data - not calculated or inferred
7 Performance Results Must be audited and verified by an unbiased third party
8 Draw Downs (losses) Not to exceed 25%
9 Draw Down Recovery A few months at most
10 Minimum Investment No more than $50,000

61. First, let’s focus on
Performance Results
• In my personal checklist for choosing a proven
investment program, let’s take a closer look at point #7
-
• Have you heard of a company called Theta Research?
• Theta offers money managers like myself the ability to
document the actual track record based on actual
trading information verified from third-party sources

62. I found a program that WINS
more times than it loses -
And when it wins, it wins
BIGGER than it loses
• Skeptical?
• You have good reason to be -
• And I’ll show you WHY its true, with actual, detailed,
verified Theta Research Data, right here -

63. Win More Times & Win Bigger!
Actual, verified data from Theta Research, LLC:
Number of Months Measured 106
Total Trades 121
Winning Trades (losing trades = 44) 77
Average Trades Per Year 14
Average Winning Trades Per Year 9
Average Gain Per Winning Trade 13.06%
Average Loss Per Losing Trade -7.68%
Average % of Time 100% in MMKT (cash) 20.30%
(Data current as of 6/27/2014)
Note: A “winning trade” makes you money. Winning trades = 77 with an average return of
over 13%. Losing trades = 44 with an average loss of less than 8%.

64. Performance from Day 1:
Red Line is Strategic Income Advisors’ Proven
Program Black Line is S&P 500
Note: The red line tracks NET performance results verified by Theta Research, LLC

65. Warren Buffett wants
“Bear Market Profits”
Here’s proof of what we
achieved in the past…

66. Bear Market Profits – 2008
Red Line is Strategic Income Advisors’ Proven Program
Black Line is S&P 500
Note: For the 7 months from 8/1/2008 through 2/28/2009 (highlighted), Our Program = 3.6% and S&P 500 = - 42.0%.
The red line tracks NET performance results verified by Theta Research, LLC

67. “Above Average Results”
As Theta verifies with actual results -
over the past 9 years, our proven
program has generated above
average performance results:
‣ 23% per year while the S&P
500 gained only 5% per year
As always, I must stay compliant and
disclose:
Red Line is Strategic Income Advisors’ Proven Program
Black Line is S&P 500
“Past Performance Does Not
Guarantee Future Results” Source: As verified by Theta Research, August 5, 2014

68. Will our program continue
to work in the future?
• We believe we will be
successful in the future
because our program was
designed with redundancy and
diversification in 3 ways:
‣ In the signal generation
‣ By using multiple platforms
‣ In the trading process
• Which means, in brief…

69. Strategic Income Advisors
Can Help You Avoid
Unpleasant Surprises Now
& Down The Road

70. Don’t predict -
Instead, respond quick
Our income strategy is to
look for the cyclical stress
points in the market
These turning points show us
when to move money into
CASH or SHORT the market in
response to proprietary
market indicators

71. It’s not predictive; it’s
based on identifying
the turning points
as they occur

72. It doesn’t seem
right to keep
something like
this a secret
“What I do, I do for my children and grandchildren.
This is Gabi, one of my grandchildren.” ~ Marv

73. Will disaster strike like a
thief in the night?
• When we’re past our income
earning days and we can expect
to live a long life, we must...
‣ Expect the unexpected
• Are you prepared for the
BEAR MARKET that will likely
come soon to wreak havoc?
• Most will “never hear it coming”
Sources: Crash of 2014: Like 1929, you’ll never hear it coming, Commentary: Disaster strikes like a thief in the night, a Mack
truck accelerating, by Paul Farrell, MarketWatch, Feb. 24, 2014

74. That’s why I want
to share my
knowledge with
as many people
as possible ...
before it’s too late

75. Which way will the market
move today?
UP? DOWN? SIDEWAYS?
What’s YOUR Strategy?
‣ Bear Market or Bull…
‣ Here’s how to make your
money work as hard for
you as you did to earn it:

76. Introducing Strategic Income Advisors’
Aggressive Protection
Program™

77. Protection first, growth
second
Strategic Income Advisors’
“Aggressive Protection Program™”
has the goal to:
‣ PROTECT your investments
‣ Achieve above average
GROWTH
‣ While YOU KEEP CONTROL
of your funds...

78. It doesn’t predict -
Instead, it responds quick
Based on the principles of Market
Timing, our Aggressive Protection
Program™ looks for the cyclical
stress points in the market DAILY -
These turning points show us when
to move funds to go:
‣ Long (expect market to go up)
‣ Into Cash (uncertain)
‣ Short (expect market to go down)
LONG?
CASH?
SHORT?

79. Never until now?
• When was the last time DAILY
effort was directed toward
positioning your assets?
‣ For both PROTECTION &
GROWTH
• Doesn’t your money deserve
this kind of attention –
➡ Every Single Day?
“With our
Aggressive
Protection
Program™
we average
14 trades
per year”
Source: As verified by Theta Research, August 5, 2014

80. Is YOUR Money Being
Actively Managed DAILY
By Someone YOU Trust?

81. The Greatest Decision of
the Rest of Your Life…
WHO Will Make Your
Money Work FOR You?

82. It’s time to choose a proven
money manager -
If you knew a proven money
manager who averaged 23%
per year for the last 9 years...
Wouldn’t you be interested?
“Using our Aggressive
Protection Program™,
we averaged
23% per year
for the last
9 years.”
Source: As verified by Theta Research, August 5, 2014

83. Ready to discover if this
3-step strategy designed to:
✓ PROTECT your
investments
✓ Position you for
maximum GROWTH
✓ Keep FULL CONTROL of
your funds
Is right for YOU?

84. Schedule your personal -
“Strategic Income Advisory Session”
• Discover now if we can help
you to protect and grow your
retirement funds -
• While you retain full control
and transparency of your
investments...
• With me, Marvin Mills and this
Aggressive Protection Program™

85. It’s how I plan to...
• Hold on to my GAINS and
avoid LOSS of principle
• Receive investment
GROWTH above the norm
• Enjoy greater financial
SECURITY and peace of mind
• Support an independent,
active LIFESTYLE
‣ And leave a legacy

86. Your individual situation is
unique to you
We don’t know yet if we can help
you, and the only way to find out is
to schedule your -
“Strategic Income Advisory Session”
with me, Marv -
✓ At a convenient time for you
✓ Totally risk free with no
obligation

87. Are you doing everything
you can to protect and grow
your hard earned money?
• Find out now - Schedule your
30-minute “Strategic Income
Advisory Session” with Marv -
Your Personal Survival Guide To
Money & Investing In The Stock
Market During Retirement
• To secure your appointment, email
Marv at marvinmills@cox.net
YOU

88. Disclosure Statements:
Marvin Mills, President of Strategic Income Advisors, is a
registered investment adviser. Information presented is for
educational purposes only and does not intend to make an
offer or solicitation for the sale or purchase of any specific
securities or investments. Investments involve risk and unless
otherwise stated, are not guaranteed. Be sure to first consult
with a qualified financial adviser and/or tax professional
before implementing any strategy discussed herein.

89. PAST PERFORMANCE DOES NOT
GUARANTEE FUTURE RESULTS
• Readers of the information contained on these performance reports, should be aware that any action taken by the viewer
based on this information is taken at their own risk. This information does not address individual situations and should not
be construed or viewed as any type of individual or group recommendation. Be sure to first consult with a qualified
financial adviser, tax professional, and/or legal counsel before implementing any securities, investments, or investment
strategies discussed.
• Any performance shown for the relevant time periods is based upon composite results by Theta Research, LLC. Portfolio
performance does not reflect any investor’s actual experience with owning, trading or managing an actual investment
account.
• Portfolio performance is shown net of the advisory fees of 2.5%, the highest fee charged by Strategic Income Advisors.
Performance does reflects the deduction of other fees and expenses, including but not limited to brokerage fees, custodial
fees and fees and expenses charged by mutual funds and other investment companies. Performance results shown include
the reinvestment of dividends and interest on cash balances where applicable. The data used to calculate the portfolio
performance was obtained from sources deemed reliable and then organized and presented by Strategic Income Advisors.
• The performance calculations have been audited by Theta Research, LLC, an established third party. Actual performance of
client portfolios may differ materially due to the timing related to additional client deposits or withdrawals and the actual
deployment and investment of a client portfolio, the reinvestment of dividends, the length of time various positions are
held, the client’s objectives and restrictions, and fees and expenses incurred by any specific individual portfolio.
• Benchmarks: The performance results shown are compared to the performance of the S&P500. The index results do not
reflect fees and expenses and you typically cannot invest in an index.
• Return Comparison: The S&P 500 was chosen for comparison as it is generally well recognized as an indicator or
representation of the stock market in general and includes a cross section of equity holdings.

90. It’s time to do everything
you can to protect and grow
your hard earned money -
• Schedule your 30-minute
“Strategic Income Advisory
Session” with Marv - Your
Personal Survival Guide To
Money & Investing In The Stock
Market During Retirement
• To secure your appointment, email
Marv at marvinmills@cox.net
YOU