Your Planning: Step into your future

Mike O’Brien

Mike O’Brien, CFP®, CRPC®, CRPS® joined Lincoln Financial Advisors in 2001. For the

previous 15 years he worked with Financial Resources Advisory Service and assisted

clients in developing and managing financial resources through generation of

extensive financial plans.

Currently, Mike’s objective is to help his clients design and live the life of their

choice through the accumulation and conservation of their financial resources.

He is responsible for assisting clients with the coordination and management of

their financial resources through development of a comprehensive financial plan.

Mike’s areas of expertise include retirement, investments, education funding,

estate and business succession planning.

Mike graduated from Miami University in 1979 with a Bachelor of Arts in Political

Science. In 1992, he completed the CFP® Professional Education Program from the

College for Financial Planning. Mike earned the Chartered Retirement Planning

Counselor designation in 2008, and the Chartered Retirement Plan Specialist in 2014.

Mike lives in Dublin with his wife of 32 years.

Adam Pusateri

Adam joined Lincoln Financial Advisors in 2001 as part of the company’s

college internship program. He transitioned into a full time planner in 2002

after graduating from Miami University with majors in Finance and General

Business. In 2003, Adam partnered with Mike. In 2014, he completed the CFP®

Professional Education Program from the College for Financial Planning. Adam’s

main focus is on Investment Analysis, Design, Implementation and Outcome.

Adam lives in Galena and when he’s not at the office he’s spending time with

his wife and two boys.

Amanda Pennington

Amanda joined our team in January of 2011. She graduated from Mt. Vernon

Nazarene University in 1997 with a B.A. in Business Administration. Amanda is

responsible for the day to day operations of the practice. Her responsibilities

include processing new business, maintaining client accounts, conducting research,

managing projects and client service. Amanda has a FINRA Series 6 license and is

licensed in Ohio for Life & Health Insurance.

Amanda lives in Delaware with her husband and two daughters.

Mike Fickell

Mike joined Bluestone Wealth Partners in 2016 after working for 15 years in

New York City as a trader and portfolio manager for some of Wall Street’s most

well-known firms. His experience in managing a global macro portfolio for high

net worth and institutional clients gives the team valuable insight into identifying

macro trends and strategic investments. As an investment specialist he will bring

institutional strategies to enhance client portfolios while also helping clients devise

comprehensive financial plans.

Mike earned a Bachelor of Science in Economics from Wharton School of Business at

the University of Pennsylvania in 2001 where he was also an All-American wrestler.

He lives in Lewis Center with his wife and four children and enjoys spending time

with his family and volunteer coaching.

Katie Spohn

Katie joined our team in November 2012. She graduated from Otterbein University

in 2011 with a B.A. in Communication. She is licensed in Ohio for Life & Health

Insurance. She is responsible for managing projects and coordination of business.

She is extremely detail oriented and specializes in client service.

Katie lives in Commercial Point with her husband.

Our Team

The changes in retirement have intensified the issues future retirees face. Here are the five basic challenges that could affect your retirement income security:

Just as the 76 million Baby Boomers once transformed American culture, so too are they redefining retirement. No longer is retirement a time to sit back and wait for the rest of your life to unfold. Instead, today’s retirees have busy, active lifestyles with the freedom to chase new opportunities, revive old passions and realize long-held dreams.

Asset allocation

Careful consideration of asset allocation can help reduce the volatility (or degree of fluctuation) of the overall portfolio and help to optimize investors’ balance of risk and return.

Health care expenses

The statistics as to the rise in these costs and how many people incur them are staggering. However, the real problem with this expense is that no one is certain if, when, or how much may be needed. Thus, it is very difficult to plan for with any accuracy.

What’s your destination?

Timing/withdrawal rate

Choosing the wrong time to begin withdraw-ing income during retirement can have a dramatic impact on your future retirement income security, as can withdrawing too much money too soon.

Longevity

With Boomers living longer, healthier lives, retirement could conceivably last for 30 years or more. In that case, there is every possibility that retirees – or their spouses – could outlive their income.

Inflation and taxes

Inflation constantly erodes purchasing power through increased costs, while taxes reduce the potential of investable earnings.

Define your dreams

A plan for your futureBased on experience with our clients, we have developed a finely tuned process that will lead you through the six stages of retirement income planning. Our advisors follow the stages to develop your personal plan which can help guide you toward your retirement income goals in the future. We’re proud to work with you through a detailed and comprehensive process that has received national recognition from the Financial Planning Association (FPA®).

Establish and define the client-counselor relationship

We begin by educating clients about the five retirement income security challenges, and discuss how we can work together to develop and implement your retirement income security plan. We need to understand your financial goals, but we also want to help you define your dreams.

Gather client data, including goals and expectations

The more detailed information we can obtain, the more customized and accurate the retirement income security plan can be. A sampling of the types of information include:

• Basic information and general assumptions: name, date of birth, family members, taxes, and health status.

• Projected retirement expenses: “Basic Needs” (e.g, food, shelter, clothing), “Lifestyle Wants” (e.g., travel, entertainment), “Specific Goals” (e.g., college for grandchildren, purchase of a vacation home), and desired “Legacy” for heirs.

• Resources: income from pension, Social Security, rental income, etc., the tax type of each resource, and availability of insurance (life, long-term care or disability income).

• Other assumptions: risk tolerance, anticipated rate of return, inflation assumptions, and length of projections.

Process and analyze information to determine retirement savings need

We analyze the gathered data to determine to what level you are meeting your retirement security income goals with your current strategy. If a gap exists, we offer straight line “what if” alternatives such as retire later, reduce spending, increase returns potential, save more, etc. If you are married, we then rerun the analysis assuming the death of either spouse in the short term. Finally, we stress test the current strategy to determine the probability of meeting your needs and goals with your current investment allocation.

Develop and present financial planning recommendations and/or alternatives

Based on your input and our analysis, we develop a retirement income security plan. Our first priority is to make sure your Basic Needs will be met for your lifetime. After your Basic Needs are satisfied for life, we then offer you a variety of suggestions for helping meet your Lifestyle Wants, your Specific Goals and your Legacy desires. Once these general options have been considered and finalized, we again stress test the plan to determine if your portfolio will continue to help meet your needs and goals. This is the most important stage – where the planning takes shape.

Implement the financial plan recommendations

Once you’ve accepted the general solutions outlined in the retirement income security plan, we present the specific recommendations and products that will help meet your needs, and discuss the pros, cons, risks and costs for each recommended alternative. This helps ensure that you will make an informed decision.

Review the financial plan recommendations

Many factors within and outside of your control can impact the viability of your plan in the future – a life event, unexpected expenses or income, a change in taxes, etc. We meet with you on a regular basis to check the status of the plan by comparing actual results to initial assumptions and use this analysis to determine if adjustments need to be made.

Define Scope

ENGAGE COLLECT

Reviews & Changes

Evaluate Current Plan

Action Plan & Solutions

ANALYZE DESIGN IMPLEMENT REVIEW

Present Alternatives

Data & Goal Setting

Take the first stepLincoln Financial Advisors is a nationwide financial planning firm with over 2,700 representatives in hundreds of offices across the country. Our associates work as a team to provide clients with comprehensive financial, retirement, investment, business owner and estate planning using comprehensive strategies and state-of-the-art software. Our advisors can help you implement financial solutions to address the unique needs uncovered dur-ing the financial planning process.

As a firm, we are among the leaders in offering retirement income security services. Our clients can benefit from our national team of Certified Public Accountants (CPAs), Certified finanCial PlannerSM (CFP®) practitioners, attorneys, and investment professionals who are positioned to provide you with the information and solutions you need. We have a dedicated group of advisors who are specially trained to help clients meet their specific retirement needs and goals. These advisors have obtained the Chartered Retirement Planning CounselorSM (CRPC®) designation from The College for Financial Planning, which has provided financial services education since 1972. Lincoln Financial Advisors Corp. has also been recognized by the Financial Planning Association as the first FPA Alliance Firm.

Our firm’s philosophy – the one that uniquely defines the way we do business – is “Serve First, Last and AlwaysSM.” The essence of this philosophy is that in all client engagements, we are committed to do whatever is required to get you to take the actions that are necessary to put your financial affairs in the best possible order. Our Retirement Income Security Specialists are singularly focused on helping you identify, quantify and ultimately realize your retirement security objectives.

For retirement income, we consider these and other options:• Retire later• Reduce spending• Increase return potential*• Reduce inflation risk• Save more

For survivor income, we consider:• Additional life insurance• Pension options• Reprioritization of goals

For long-term care, we consider: • Additional insurance • Self-fund

*Investments that have a higher return potential also carry increased risk of loss.

We believe that the first priority of every retiree is to assure that their Basic Needs (food, shelter, clothing, etc.) are met for their lifetime. To do this, we compare your stable, recurring sources of income against your Basic Needs (including survivor income and medical expenses). These stable sources help alleviate the five challenges that could affect your retirement income security.

If your Basic Needs are greater than your stable income sources, we allocate available assets (e.g., those not designated for a specific purpose) to financial products designed to help cover the costs.

After your Basic Needs are covered, we look at your Lifestyle Wants (regular recurring expenses in retire-ment that are not fundamental, such as travel, country club membership, etc.) and your Specific Goals (non-recurring expenses that have specific timing, such as college for grandchildren in five years, purchasing a vacation home in two years, etc.). We match your remaining income sources and available assets to your Lifestyle Wants and Specific Goals in order of your priority.

If your Lifestyle Wants and Specific Goals are not met after allocating sufficient funds to cover Basic Needs, together we consider the alternatives:

In our final step, we outline various alternative strategies** and identify solutions that are appropriate for your situation, and most importantly, are consistent with your objectives. These personalized recommen-dations form the basis of your retirement income security plan. The benefits of this approach are quickly apparent – you enjoy a greater understanding of the impact of various options and are better positioned to help make the appropriate decisions to help you reach your retirement income security.

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**There can be no assurance that the approach and strategies offered will be successful.

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Five steps to help guide you toward your vision of retirement income securityWe focus particular attention on the financial planning process. By following the five steps toward your vision for retirement income security, your advisor will create a retirement income plan that will provide you a sense of confidence in your financial decision-making process and in the knowledge that your financial challenges have been considered and appropriately addressed.

Registered associates of Bluestone Wealth Partners are registered representatives of Lincoln Financial Advisors Corp. Securities and investment services offered through Lincoln Financial Advisors Corp., a registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Bluestone Wealth Partners is not a affiliate of Lincoln Financial Advisors Corp.

CRN-XXXXXXX-XXXXXX

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R. Michael O’Brien, CFP®, CRPC®, CRPS®

Wealth Planning Advsior

614-431-4307 phone 614-431-4317 fax Mike.OBrien@BluestoneWP.com

Adam J. Pusateri, CFP®

Investment Advisor Representative

614-854-6687 phone 614-431-4317 fax Adam.Pusateri@BluestoneWP.com

Amanda PenningtonPractice Manager

614-431-4318 phone 614-431-4317 fax APennington@BluestoneWP.com

If you’re ready to take the first step to help secure your financial freedom in retirement, contact us today.

7650 Rivers Edge DriveColumbus, OH 43235www.BluestoneWP.com

Formerly Steinhaus Financial Group

Katie SpohnClient Service Associate

614-431-4319 phone 614-431-4317 fax Katie.Spohn@BluestoneWP.com

Michael W. FickelTitle

614-431-4319 phone 614-431-4317 fax email