WealthTrust-Arizona is a fee-based investment advisory firm specializing in the integration of investment management with estate planning for high net worth individuals and families.

1. INTEGRATING
PORTFOLIO MANAGEMENT
AND ESTATE PLANNING

2. THE FUTURE: WE MAKE IT POSSIBLE
DOES MY ESTATE PLAN
TAKE ADVANTAGE OF DO I NEED TO PLAN BETTER FOR RETIREMENT?
ARIZONA’S LAWS
& BENEFITS?
IS MY
WILL I OUTLIVE
MY MONEY?
PORTFOLIO
DIVERSIFIED?
HOW WILL MY CHILDREN’S CREDITORS OR DIVORCE AFFECT THEIR INHERITANCE?
DOES MY BUSINESS HAVE HOW DO I MAKE SURE MY LEGACY IS
PROTECTED AND FAMILY IS TAKEN
A SUCCESSION PLAN? CARE OF FOR GENERATIONS TO COME?
AM I POSITIONED WELL FOR THE UNCERTAINTY OF THE MARKET?
IF I GET SICK….WILL I
IS FINANCIALLY BE ABLE TO AFFORD
IS NOW A GOOD ASSISTING MY FAMILY CARE?
TIME TO INVEST? JEOPARDIZING MY
WILL I HAVE TO
RETIREMENT ASSETS?
GO BACK TO
WORK?
WHAT IF OUR ECONOMY FACES INFLATION OR DEFLATION? WILL I BE AFFECTED?

3. WELCOME

4. WHO WE ARE
We are a fee-based boutique wealth management firm that specializes in
the integration of financial planning and estate planning.
•INDEPENDENT
• FEE-BASED
• PLAN-BASED
•TEAM-BASED
• INTEGRATED
WealthTrust-Arizona is one of the Top 10 Independent fee-based
Registered Investment Advisor firms in Arizona based on assets under
management.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

5. FEE SCHEDULE
ASSETS UNDER MANAGEMENT FEE
MORE THAN BUT LESS THAN
$10,000,000 Negotiable
$5,000,000 $10,000,000 .75%
$3,000,000 $5,000,000 .85%
$1,000,000 $3,000,000 1.00%
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

6. WEALTHTRUST-ARIZONA TEAM
HOLLY D. DEEM, CFA
PAUL A. CEO BEN R. WILSON, PPC
AHERN, CFP, CHFC PRINCIPAL
PRINCIPAL
THERESA A. KRUEG BRENT C. MCQUISTON HEATH BRAY
MSFS CFP, CMFC CFS
MIKE BOWEN DON BERTRAND
MBA MS
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

7. OUR STRATEGIC PARTNERS
DAVID H. COLBY, J.D. MEGAN A. THORNES, J.D.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

8. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

9. FINANCIAL PLANNING
Would you go on a road trip without a map?
Why do we create a plan?
Our team of experts evaluate the health of your finances to outline a step-by-step
strategy to achieve your financial goals for you and your family for generations to
come.
Here are some questions we answer and problems we solve:
- Will I outlive my retirement assets?
- Is my portfolio properly diversified?
- How do I achieve my financial goals?
- Where is the most risk in my portfolio?
- How do I plan for uncertainties in the market and life?
- Can I create enough income to support my family?
WEALTHTRUST
ADVANTAGE
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

10. THE IMPORTANCE OF A
WRITTEN FINANCIAL PLAN
A Financial Plan covers all aspects of your present and future financial life:
1. Inventory of present assets
2. Comparison of risks and historical returns
3. Probability analysis done on your portfolio
4. Recommended portfolio changes
We manage your assets pursuant to a formal, written Financial Plan that you:
1. Review: Make sound and strategic decisions
2. Understand: We educate you on the steps taken
3. Control: You approve and sign-off on your plan
What it enables you to do: WEALTHTRUST
1. Plan out your future and how to get there ADVANTAGE
2. Set milestones to measure progress
3. Anticipate and plan for risks
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

11. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

12. ASSET ALLOCATION
EQUITIES FIXED INCOME ALTERNATIVES
International International Bonds Managed Futures
Small Cap High-Yield Bonds Real Estate
Large Growth High-Quality Bonds Private Equity
Large Value Municipal Bonds Hedged Strategies
Mid-Cap Cash Equivalents Long Short
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

13. PORTFOLIO COMMITTEE STRUCTURE
Repeatable Performance Managing Tenure
Equity
Beta
Committee Standard Deviation
Alpha
Up Capture
Down Capture
Directional
Non-Directional Portfolio
Committee Average Credit Quality
Non-Correlating
Alternative Fixed Income
Committee Average Duration
Investments
Opportunities Outside the Committee
Stock and Bond Market
Current Yield
Taxable v. Tax Free
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

14. Sample Asset Allocation Moderate Investor 2011
BONDS
Conservative Aggressive
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

15. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

16. ESTATE PLANNING
Most high net worth individuals and families have a basic Estate Plan package that
should include:
1. Revocable Living Trust (RLT) with Beneficiary Trusts for your
Children/Grandchildren
2. Pour Over Wills
3. Financial Powers of Attorney
4. Health Care Powers of Attorney
5. Medical Records Powers of Attorney
6. Living Wills
7. Beneficiary Designations of IRAs, KEOGHs, SEPs, 401(k)s, 403(b)s, and defined
benefit pension plans that dovetail with Trust
WEALTHTRUST
ADVANTAGE
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

17. ESTATE PLANNING
We review your existing plan to ensure it aligns with your estate and
financial goals.
1. Have you taken advantage of Arizona Trust Code which offers divorce and creditor protection
to your beneficiaries?
2. Have you done Generation Skipping Tax Planning for your heirs, which adds protection
against estate taxes?
3. Have you reviewed your asset titling, IRA and Annuity beneficiary designations to determine if
they still fit with your estate planning desires?
4. Was your Estate Plan created in another state?
a. Have you taken advantage of Arizona’s Community Property laws?
b. Did you know Arizona has no state estate tax?
5. Does your Estate Plan create simplicity and seamlessness for your surviving spouse or loved
one?
1. We help take care of the paperwork
2. We protect you and your loved one from
a. Divorce c. Taxes
b. Creditors d. Gift Taxes
3. We work with your estate planner to bridge
your portfolio with your legacy
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

18. ESTATE PLANNING
Integration: On death, we bridge the Estate and Financial Plan seamlessly.
1. We help the surviving spouse or loved ones through the paperwork maze created by the
IRS
a. We work with attorneys and CPAs to correctly and timely file all the returns
required by the IRS and obtain date of death values of all assets
b. We manage the financial portfolio to fund all subtrusts created by your Estate Plan
and manage the subtrust funds both for long term returns and tax considerations
2. We help plan your future portfolio needs in light of changing tax laws, both on an
estate and income tax basis
3. We handle all life insurance issues, all beneficiary designation transfers and all other
paperwork associated with the estate plan and portfolio needs of the surviving spouse
or loved ones so that nothing falls through the cracks
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

19. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

20. RISK MANAGEMENT
Means planning for the future and life’s hiccups
We analyze your existing estate and insurance policies to anticipate and
manage portfolio and life’s risks.
1. Have you reviewed your policies lately to confirm the appropriate
coverage and cost?
2. Do you have an estate tax liquidity issue?
a. In 2011 Estate Taxes reappear at a top rate of 35% (for next two
years).
b. Estate taxes are due within nine months of death.
3. Do you have/need long-term care coverage or can you self insure?
a. We analyze your assets to determine what kind of insurance is
necessary.
By developing a strategic financial plan we can forecast
probability risks to help plan and manage their effects.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

21. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

22. TAX SENSITIVITY
Understanding how taxes affect your portfolio is one way we manage and
protect your wealth
We prepare in advance for tax law changes:
1. We anticipate a tax change in 2012
2. Tax laws are driven by politics, and we monitor potential changes and prepare for them
We are sensitive to your tax needs by:
1. Working directly with your CPA
a. Make needed and approved changes to help reduce taxes on investments and assets
2. Working directly with your estate planning attorney
a. Our goal is to help reduce tax burdens to your estate
b. We are aware of the sensitivity of estate taxes
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

23. 2011 PORTFOLIO STRATEGIES
• Are emerging markets the right place to invest?
• Is the “bond bubble” for real? If so, how will it affect you?
• What are the near-term and future trends to watch for in the U.S. and world
markets?
• How will the recent election results most likely affect the market, and your
portfolio?
• What is the expanding role of Emerging Markets and Exchange Traded Funds
(ETFs)?
• How will estate tax reform affect your existing wills, trusts and other estate
documents?
• Are your accounts and property titled properly?
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

24. 2011 PORTFOLIO & ESTATE PLANNING STRATEGIES
FIXED INCOME:
– Keep duration short
– Focus on International bonds
– Tax Sensitivity
– Credit Quality
EQUITIES:
– Consider using a broad array of ETFs in non-qualified accounts to minimize taxes
– Consider increasing exposure into international stocks (especially emerging markets)
ALTERNATIVES:
– Access alternative investments via liquid investments
ESTATE PLANNING:
– Revise your estate planning documents to take advantage of Arizona laws that protect your inheritance from
your children’s creditors including spouses in a divorce
– Review all beneficiary designations and titling of assets to ensure they comply with your estate planning goals
RISK MANAGEMENT:
– Review current policies and coverage to ensure it is adequate and order an enforce illustration to confirm that
your policies will not lapse
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

25. CORE AREAS OF WEALTH MANAGEMENT
Tax Financial
Sensitivity Planning
Risk Portfolio
Management Management
Estate
Planning
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

26. CLIENT COMMUNICATION
We Maintain an Open Dialogue
WE KEEP
1. Detailed quarterly reports
YOU
2. Meetings – quarterly and as needed
3. Calls and/or individual e-mails INFORMED
4. Regular weekly and monthly e-mail updates
- Market conditions, breaking news, etc.
5. Quarterly newsletters WE KEEP
6. Individual correspondence YOU
7. Educational client workshops EDUCATED
8. Programs and events
9. Topical information e-mails and mailings
10. Mayo Clinic Health letter
WE EARN
11. Notifications when sought by major media outlets
YOUR
CONFIDENCE
& TRUST
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

27. MEDIA RECOGNITION
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

28. WEALTHTRUST-ARIZONA
Questions
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

29. THE WEALTHTRUST-ARIZONA COMMITMENT
To help you achieve maximum wealth at minimum
risk by carefully integrating the management of
your portfolio with the management of your estate.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

30. NEXT STEPS
Schedule an initial
complimentary
first time appointment
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

31. NEXT STEPS: THE TRANSFER AND
IMPLEMENTATION PROCESS
WORKING TOGETHER
1. First Meeting (complimentary): Get Acquainted. Review estate* and brokerage account documents.
Establish priorities/concerns. Assign “homework” – things to consider regarding trust
preparation, lifestyle needs, financial priorities.
2. First or Second Meeting: Retain WealthTrust-Arizona and/or Law Offices. Formal trust interview if
indicated. Formal Financial Planning interview. Discuss portfolio implementation schedule (dollar cost
averaging?). Discuss tax considerations. Commence account transfers (ACAT).
3. Third Meeting: Formal trust signing if indicated. Review preliminary Financial plan. Review
preliminary Model Portfolios. Review portfolio implementation schedule and tax considerations.
Commence account transfers if not already underway.
4. Fourth Meeting (often by phone and/or mail): Approve final Financial Plan. Approve model
portfolios. Account transfer status report. Schedule formal follow-up (usually 60-90 days).
Throughout: Contact by phone, mail, fax, e-mail, newsletter, monthly statements, quarterly WealthTrust-
Arizona report.
* Estate document review procedures at this stage are informal. A relationship with Colby & Thornes, PLLC is not established unless a written legal services agreement is
signed by the client and an attorney of the law firm.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

32. THANK YOU
On Behalf of All of Us at
Thank you
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.

33. DISCLOSURE PAGE
Sample holdings are provided for illustrative purposes only. Individual portfolios will vary in holdings and in relation to others.
Projections or other information generated regarding the likelihood of various investment outcomes are hypothetical in
nature, do not reflect actual investment results and are not a guarantee of future results. Any assumptions used or shown are
based on information that may be provided and reviewed by the Client. Those assumptions must be reconsidered on a frequent
basis to ensure that results are adjusted accordingly since any alteration in assumptions can have a significant impact on
projections. Any inaccurate or incomplete representation by the client of any facts or assumptions used herein will invalidate
the projections. Actual results may also vary to a material degree due to external factors beyond the scope and control of the
projections and assumptions in this Report.
The law firm, Colby & Thornes, PLLC is not affiliated with WealthTrust-Arizona. Colby & Thornes are responsible for any
and all legal work performed for clients of WealthTrust-Arizona. The professionals at WealthTrust-Arizona are not legal
experts and cannot provide any legal advice or review of legal documents.
Past performance is not indicative of future results.
Market, economic and company specific conditions are considered during the investment selection process. This was a period
of generally rising securities prices.
The strategy reflects a diversified portfolio investing funds in multiple asset classes such as international, small capitalization
companies, mid capitalization companies, large capitalization both value and growth, balanced funds and all capitalization
funds
Results include the reinvestment of income from dividends and interest.
© 2011 WealthTrust AZ 8434 East Shea Boulevard Scottsdale, AZ 85260 (480) 483-7300. Non fee-based securities offered through
Purshe Kaplan Sterling Investments, a registered broker-dealer of FINRA and SIPC. Please refer to disclosure page located at end
of presentation.