JUSTIN OH CPA & ASSOCIATES in Action! Clients can work toward financial security with stategies for
a broad range of nees and hundreds of product choices to implement these strategies.

STRATEGY IMPLEMENTATION FOR INDIVIDUALS

FIXED INCOME INVESTMENTS

• Money Markets
• Certificates of Deposit
• Municipal and Government Bonds
• Unit Investment Trusts (income-oriented)
• Mutual Funds (income-oriented)

EQUITY INVESTMENTS

• Mutual Funds (growth-oriented)
  • Large Cap Growth/Value Funds
  • Small/Mid Cap Growth/Value Funds
  • International Equity Funds
  • Asset Allocation Funds
  • Sector Funds
• Unit Investment Trusts (growth-oriented)
• Publicly Traded Stocks

INDIVIDUAL RETIREMENT/EDUCATION PLANNING

• Roth IRA
• Coverdell Education Savings Account (formerly Education IRA)
• 529 Plans

INVESTMENT ACCOUNTS (SELF-DIRECTED)

• AXA Asset Accounts

MANAGED ACCOUNTS (FEE-BASED)

• Mutual Fund Wrap Program
  • Capital Visions: A Comprehensive Approach to Mutual Fund Asset Management
• Professionally Managed Accounts
  • Classic Stategies: Personalized Investment Portfolio
  • Lockwood Financial's Managed Account Link Program
  • Blinker Captial's Core Asset Manager

FEE-BASED BROKERAGE ACCOUNT

• CapAdvantage

LIFE INSURANCE

• Annual Renewable Term
• Level Term- 5, 10, 15, 20 and 30 Year
• Whole Life
• Universal Life
• Variable Universal Life
• Survivorship Variable Universal Life
• Survivorship Universal Life
• Premium Financing

ANNUITIES

• Fixed (single premium & immediate)
• Variable Annuities (immediate & Periodic payment)
• Group Annuities (qualified retirement plans)
• Single Premium Immediate Annuities

DISABILITY & LONG-TERM CARE INSURANCE

• Individual Disability Income
• Individual Long-Term Care

DISABILITY & LONG-TERM CARE INSURANCE

• Individual Disability Income
• Individual Long-Term Care

FINANCIAL PLANNING

• Non-fee Needs Analysis
• Personal Financial Plans
• Focused Needs Plans
• Personal Financial Plans with Estate Planning

STRATEGY IMPLEMENTATION FOR BUSINESSES

RETIREMENT PLANS

• 401 (k)
• 403 (b) (7) (non-contributory)
• 412 (i)
• Pension/Profit-Sharing
• SIMPLE Plans
• Simplified Employee Pension Plans
• Individual Retirement Accounts (IRAs)

EXECUTIVE BENEFITS

• Bonus Plans
• Deferred Compensation Plans
• Split Dollar Plans
• Group Carve Out

EXECUTIVE BENEFITS

• Key Person Coverage
• Buy-Sell Agreements
• Succession Planning
• Business Overhead Expense
• Disability Buyout
• Employee Stock Ownership Plans (ESOP)

GROUP INSURANCE

• Health Insurance
• Long-Term Care Insurance
• Disability Income Insurance
• Life Insurance

FINANCIAL PLANNING

• Employee Financial Planning
• Educational Seminars

TRUSTEE SERVICES (for business planning and estate planning)

• Buy-Sell Plans
• Non-Qualified Retirement Plans
• 401 (k) Retirement Plans
• Irrevocable Life Insurance Trusts