We know that talking about financial matters can often be difficult. You want to be sure you make the right decision in choosing a partner to help you meet your financial objectives. In a wide world of financial firms, Mappa Wealth Management, with over seventy years of combined advisory experi-ence, stands out for these very important reasons:

Respect for Your Values and Your Vision This is your financial life, so before moving forward with any financial plan, we listen carefully to your values and your vision for the future and for your legacy. Our whole goal is to help you define and refine your vision, honor your decisions and help you achieve those goals.

Our Firm is Bound to the Highest Fiduciary Standards As a Personal Financial Advisor and Financial Fiduciary, we are bound by law to work in the best interests of our clients. That means we put your interest ahead of the firm’s. It is the highest ethical standard under the law and we are proud to act as a Financial Fiducia-ry for our clients. We take our stewardship of your finances as seriously as we take our own.

Client Centered Service We are a client centered financial advisory firm. Service that is timely and reliable is the key to building client confidence. Whether it is the simple act of returning phone calls promptly or spending the time to develop a sophisticated financial strategy, we treat you the way we wish to be treated, with respect and professionalism. Our commitment to of-fering the best is also found in our support staff who are dedicated, not only to exception-al “raving fan” service, but also to maintaining high professional standards. We invest in long-term relationships with our clients; that means we are there for you every step of your financial journey.

Why Choose Mappa Wealth Management?

Privately Owned, We Offer Comprehensive, Personalized Advice Based On Your Individual Situation Financial advice is easy to come by, but finding appropriate, personalized financial advice is more difficult. As a privately owned and independent firm, Mappa Wealth Manage-ment is free to look at a wide range of financial products, tools and resources to provide you with the appropriate solutions for your situation. As an independent firm, we have no pressure to use products or tools that may not be appropriate for the client. We believe that our independence can mean a world of difference when planning for your future.

A Strong Professional Network to Support Your Goals Mappa Wealth Management has developed strong relationships with other professionals (Attorney’s, CPA’s, Insurance Professionals, Credit Unions and Mortgage Brokers) who can become a part of our team to work for your benefit if needed. Each of these rela-tionships mirrors our own values of integrity and commitment to provide the highest lev-els of service. Of course, we are always happy to work with your existing team to coordi-nate and implement your financial strategy.

Highly Personal Service with Strong National Resources Because we are independent and local does not mean we are small. We are a member of a national network of premier independent firms across the nation whose expertise in fi-nancial planning can be called upon on your behalf. That means we offer you the highly personal service you deserve plus the national resources you expect. We also are able to provide clients with a broad range of financial tools, products and resources to help you reach your goals. Trust, integrity and a commitment to the client is what makes Mappa Wealth Management special. We Offer You • Retirement Planning • Comprehensive Financial Planning • Investment Management • Estate Planning • Insurance Planning • Tax Planning • Wealth Management • Business Succession Planning

Mappa Wealth Management 2700 Patriot Blvd - Suite 250, Glenview, IL 60026 401 N. Michigan Ave - Suite 1200, Chicago, IL 60611 201 W. Springfield Ave - Suite 903, Champaign, IL 61820 Phone 1-847-262-3030 E-mail: info@mappawm.com Website: www.mappawm.com

Why Choose Mappa Wealth Management?

Mark A. Mappa, President, Principal MSFS, CFP™, ChFC, CLU, RFC, CFS, CIS, CES

Mark Mappa is Founder, President, and Managing Principal at Mappa Wealth Management. He has over 27 years of experience in financial plan-ning and wealth management. Mark specializes in developing long term fi-nancial plans to assist individuals and families in meeting their lifelong finan-

cial goals and objectives. Mark also specializes in retirement distribution planning by helping clients manage their assets and income needs during their retirement years.

As an independent financial advisor, Mark is able to provide objective advice that is tailored to meet each client’s specific and individualized situation. Everyone’s situation is different and Mark understands that everyone will need a different strategy to meet their goals.

Mark’s years of experience as an independent advisor has led to a philosophy and perspective about financial planning that he incorporates in the strategies he develops for each of his clients. While everyone’s strategy is different, Mark believes that the underlying philosophy of successful financial planning includes:

• Investing like the wealthy • Protecting the downside of your investments • Always think outside the box • And lastly (and perhaps most importantly) Think cash flow, not rate of return. You can’t spend

rate of return.

Mark has earned the CERTIFIED FINANCIAL PLANNER™ professional (CFP®), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Registered Financial Consul-tant (RFC), Certified Fund Specialist (CFS), Certified Estate and Trust Specialist (CES), and Cer-tified Income Specialist (CIS) designations. Mark also has a Master of Science Degree in Finan-cial Services (MSFS).

Mark has been a guest speaker on the television show The Stock Market Observer and has writ-ten numerous articles on financial planning. Mark is currently writing a book about what he has learned and experienced in his 27 years in the financial industry.

Mark and his wife Rachel have three children, Zackary (attending Purdue University), Tanner (attending Stevenson High School), and Sophie (who is 9 years old). Mark enjoys reading books on financial topics. He also enjoys sports, corvettes, vacationing, and spending time and swimming at their Florida home.

Your Team

Steve Wilhusen, Principal, ChFC, CLU

Steve Wilhusen is a financial advisor with over 17 years experience. As an independent financial professional, he provides advice that is objective and in his clients’ best interests. He helps individuals, families and business owners define and meet their lifelong financial goals.

Steve does this through a philosophy of independent advice, highly personal service and a com-mitment to ethical practices. His skills and experience include developing and implementing sav-ings, investment and insurance planning as well as retirement distribution strategies. Steve is a Chartered Financial Consultant (ChFC) as well as a Chartered Life Underwriter (CLU). He frequently gives educational seminars on financial planning. He graduated from Truman State University in 2000 with degrees in Finance and Management and he minored in Eco-nomics. He was a member of Blue Key honor and service fraternity and the University Soccer Team. Steve is a proud Bulldog owner and amateur chef, sports enthusiast, fitness and health geek, travel and adventure seeker.

Brett W. Gardiner, Financial Advisor

Brett Gardiner is an independent financial advisor whose goal is to help individuals, families and small business owners define and realize their fi-nancial dreams. He has over twenty-five years of professional experience, twelve of which have been in the financial services industry. As a financial

advisor, he provides advice that is objective, independent and client-centered. Through his twelve years of financial product and resource distribution, Brett has gained a truly unique perspective on industry best practices and brings that knowledge and confidence to his clients. Brett understands that through trust, education, communication and superior customer service, he and his team can help you have confidence in your investments. He also believes that by taking a holistic approach and monitoring investment, tax, estate, college, insurance and income planning, you will reach your financial goals. He is a 1991 graduate of Indiana University and holds the following licenses: FINRA Series 6, 7, and 63, and is Illinois insurance-licensed.

Your Team

Steven B. Tucker, Financial Advisor Steve Tucker has over 25-years helping clients define and reach their financial goals. He specializes in investment, income, insurance and estate planning and understands that an important aspect of his role is to listen carefully to his clients and then design a custom strategy that meets their level of comfort and helps them meet their objectives.

Steve helps his clients grow and protect their assets for use during their lifetimes through retire-ment, as well as creating a transition plan for the next generation or for charities. "My clients and I take special care to grow and protect their money. I want to help them make sure it is not dra-matically diminished by taxes, fees, or unforeseen healthcare costs." Steve has appeared on PBS television speaking on numerous estate planning topics including the importance of addressing the risk of a long-term care illness and the impact it may have on the estate. He is a frequent speaker for non-profit organizations. His articles on areas vital to estate planning have been published in several media formats, including the Peoria Journal Star News-paper, and Fondulac Senior Services Newspaper. Steve has been married for 22 years. He and Mary live in Champaign, IL with their two children. Their 15 year old son, Tyler, loves to play tennis, dive, and golf. He is a Freshman at Centennial High. Their 8 year old daughter, Allie, loves gymnastics, golf and swimming. Steve enjoys spend-ing time with his family, playing ice hockey, golfing, and traveling. Mary enjoys tennis, reading, golf, and taking trips with her family.

Tanya Dooley, Director of Operations Tanya a key figure in providing the highly personalized service and professional-ism you have come to expect from our firm. She is responsible for the quality of care each client receives and deserves. Tanya has over seven years experience in the financial services industry in administration.

Not affiliated with Woodbury Financial Services.

Brook Ford, Client Services Coordinator

Brook is a crucial element in Mappa Wealth Management’s commitment to high-ly personalized service and professionalism. An important part of her job is to make sure that each of our clients is treated as we would like to be treated

Not affiliated with Woodbury Financial Services.

Your Team

Clients of Mappa Wealth Management can be assured that we can help provide solutions for all of their financial needs. One of the ways we do this is by bringing into our financial planning process professionals who can offer our clients legal, tax, mortgage, banking and insurances ser-vices. Each of these relationships mirrors our own values of integrity and commitment to pro-vide the highest levels of service.

Michael M. Silbert, Attorney At Law Michael Silbert has been an attorney for over 40 years, and has had his own practice since 1986. Michael places an emphasis on estate planning, Real Estate and corporate law. His clients can depend on his experience and knowledge to provide them with advice appropri-ate to their situation.

Jessica Reed, CPA Jessica Reed earned her MS in Accounting in 2006 from the University of Illinois-Chicago and her CPA in 2008. Reed Accounting offer personal and corporate tax and accounting services, to individuals and small business owners.

Kevin Smith, Owner, Ins-All, Inc. Kevin founded his own independent insurance agency, Ins-All, Inc. to provide clients with the best insurance planning for their very personal and particular situations. His agency provides a diverse range of insurance products including, Life, Health and Property & Ca-sualty.

Christin Luckman, Senior VP of Mortgage Lending, Guaranteed Rate Christin Luckman is a Senior VP of Mortgage Lending at Guaranteed Rate with 13 years of lending experience.

QUORUM Federal Credit Union Quorum has provided our clients with the excellent service we expect for our clients in the areas of mortgages, credit products and general banking needs. Established in 1934, Quorum is a full-service financial institution with more than 50,000 members nationwide.

Some of Quorum’s products and services: * QChoice Checking: Enjoy monthly dividends, free checks, ATM fee reimbursements (up to $15 per month), access to over 80,000 fee-free ATMs nationwide, mobile deposits

* First and Second Mortgages: Market-leading fixed and adjustable rates, free first mortgage pre-qualifi-cation, free consultations with mortgage experts * MasterCard Credit Cards: Rewards-rich cards with low rates, no annual fee, unlimited points that never expire, easy redemption.

All listed entities are not affiliated with Woodbury Financial Services, Inc.

Our Alliance Partners

Your Personal CFO Written financial plan

Two formal meetings per year Complete financial assessment Prioritize and set financial goals

Assistance with CPAs & Attorneys Referrals to CPAs & Attorneys Cash flow, debt, & budgeting

Investment Management Regular investment reviews

Consolidate and simplify accounts Riskalyze: Our portfolio risk manager Retire up: Our retirement paycheck

risk assessment Web based consolidated reports

for all accounts.

Wealth Management

Retirement income planning Estate and charitable planning

Long term care planning Maximizing social security

Insurance planning College planning

Helping You and Your Family

Multi-generational planning Insurance audit review

Trust services Client educational events

and seminars Mappa Wealth Management –

Family office practice

Safeguarding & Due Diligence Regulated by both

SEC & FINRA

3rd party compliance & oversight 3rd party investment managers 3rd party investment custodians

Ongoing manager due diligence Insurance company due diligence Disaster protection plan in place

Impartial investment research

Our Services

A CHANGING FINANCIAL LANDSCAPE

The financial landscape is changing and now, more than ever, we believe indepen-dence should be first on anyone’s list when looking to establish a relationship with a financial professional.

WHAT IS AN INDEPENDENT FIRM? Mappa Wealth Management is owned by the principals of the firm. We are not employ-ees of a large, “brand name” firm. We are under no obligation to represent or use specific financial products or instruments produced by any firm. We can provide financial tools to our clients from a broad array of national resources. That means we offer advice, based on your needs, with no inherent conflicts of interest. Advisors who are employed by some of the larger firms may be required to recommend products produced by their firm which may not always be the best fit for their clients.

RIGOROUS DUE DILIGENCE AND RESEARCH All of the financial resources, products and tools we present to clients are thoroughly re-searched by us and approved by the compliance department of our broker/dealer. In ad-dition, we make sure our clients are completely educated and understand any recommen-dations we may make. Our clients make informed decisions about their money.

A COMPREHENSIVE RELATIONSHIP AND STRUCTURED STRATEGY We believe we should be relationship oriented with it clients and not transaction driven. We take the time to understand not just your financial situation but also your values and vision for your future. Once we understand who you are and what your goals are, we look at your whole financial picture to see what we need to do to reach those goals. Only then will we make recommendations on investments, insurance planning, tax and estate plan-ning. We make sure all pieces of your financial strategy are integrated together and aligned with your objectives.

IN GOOD TIMES AND NOT SO GOOD TIMES Life is not static and the single most important thing an independent financial firm does is to communicate constantly with you. Not just when things are good, but especially when things are not so good. We don’t disappear when things get tough.

Financial Independence

A WEALTH OF INDEPENDENT RELATIONSHIPS • Develop state-of-the-art technology for better account service • Provide independent research and due diligence • Offer education on appropriate practices and strategies for clients • Provide access to other professionals

INDEPENDENT FINANCIAL CHECKLIST • Free to choose from a broad spectrum of tools, resources and products • No proprietary products • Offers comprehensive advice not just product specific solutions • Recommends an integrated, structured financial strategy • Consistent monitoring of your strategy and your goals to make sure they remain aligned • Continuous communication to keep you informed • Relationship focused • Independent product research • Access to professionals across a wide range of financial areas • A firm whose goals are aligned with yours

If you are not already our client, now is the time to think about what you really need from your financial professional.

Our office locations: 2700 Patriot Blvd. - Suite 250, Glenview, IL 60026

401 N Michigan Ave. - Suite 1200, Chicago, IL 60611 201 W. Springfield Ave. - Suite 903, Champaign, IL 6182

Financial Independence

A. Discovery Fee $750-$1,500. One time fee. B. Yearly planning fee $1,500-$2,500*

*This fee is reduced 50% with managed assets of $250,000. The fee is eliminated with managed assets over $500,000.

• Sign a Letter of Agreement

For clients with managed assets

A. Account Management**: .90% of assets up to $500,000 .85% of assets between $500,000-$1 million .75% of assets between $1-$2.5 million .65% of assets over $2.5 million

**This is the fee schedule paid to MWM. There may be other institutional costs depending on the overall strategy determined by you and your advisor.

Compensation for Insurance

As an independent company we are completely objective in our recommendations. We have access to major companies in the industry and can assist you in finding quality products to meet your objectives. There is no additional fee for this service. All product related compensation comes from commissions already built into the products themselves.

Advantages of the Planning Fee Only Service to clients.

1. The ability to work with MWM without having to give us your assets. In many cases a prospec-tive client may have their assets tied up in a company retirement account.

2. Many financial firms will not work with prospective clients who do not bring significant assets with them. We realize the need for people to have access to a financial professional just as if they were the advisors top clients.

3. Review your outside assets and guide you accordingly. 4. Offer you the same services and support as with our top clients. 5. Hold two scheduled meetings with you per year 6. Have two scheduled calls with you per year 7. Address your concerns and answer questions 8. Access to our client educational events 9. Receive our financial communications. 10. You deserve to have a financial professional work with you.

Our Fee For Services

Depending on one's individual situation, a fee based account may not be suitable for all investors. Speak with a Financial Advisor to determine the most appropriate financial account for you, given your financial circumstances. There is no guarantee a fee-based ac-count will outperform a commission based. Investing involves risk including the potential loss of principle. Securities and Investment Advisory Services offered through Woodbury Financial Services Inc., Member FINRA, SIPC, and Regis-tered Investment Adviser. Insurance services offered through Mappa Wealth Management which is not affiliated with Woodbury Fi-nancial Services, Inc. Neither Woodbury Financial Services, Inc., nor its representatives or employees provide legal or tax advice.