Tips to enhance your wine tasting and investing experience

Enjoying WineTips on serving, tasting and entertaining

Serving Tips

• Choose the right temperature– Cooler (45-50° F) for white wines– Warmer (50-65° F) for red wines

• Pour wine into a decanter to let it breathe

• Don’t overfill

• Use the proper wine glass

How to Choose the Right Glass Sparkling Wines: Taller and thinner

White Wines: Shaped more like

a tulip

Red Wines: Rounder with a

larger bowl

Make the Most of Your Wine Tasting Experience

A 4-Step Tasting Guide 1. Look at the color

and clarity2. Smell the wine3. Savor the taste4. Record your

observations

Look

Smell

Taste

Record

Taking Notes

• Aroma—Is it weak, nice, complex, brawny, powerful, fruity, spicy, floral, woody, veggie or chemical?

• Taste—Factors to consider: sweetness, fruitiness, acidity or tartness, tannin and aftertaste

Entertaining with WineHow to Pair Wine with Food• Light wines—better with chicken or seafood• Heavy wines—complement beef or steak• If serving different wines, follow these principles:

– Light before heavy– Dry before sweet– Lower alcohol before high

Beef or steak with Red Burgundy, Cabernet Sauvignon or Zinfandel

Grilled chicken with Beaujolais or Merlot

Lobster with Chardonnay

Lamb with Red Bordeaux, Pinot Noir or Chianti

Salmon with Pinot Noir

Gumbo or other spicy dishes with Zinfandel or Gewurztraminer

Oysters with Chablis

Chocolate with Cabernet Sauvignon

Pairing Wine with FoodClassic Combinations

Investing with Confidence

3 strategies to help you stay calm and succeed in today’s changing market

Think Long-Term: Like Wine, Investing Can Improve with Age!

Stocks have generated positive returns in every 15-year period since 1926

Source: Standard & Poor’s. This table shows the percentage of positive versus negative returns for the S&P 500 Index over 1-, 5-, 10-, and 15-year holding periods from 1926 through 2012. The S&P 500 is an unmanaged index of 500 common stocks, which are representative of the U.S. stock market. The data assumes reinvestment of income and does not account for taxes or transaction costs. Indices are unmanaged. An investment cannot be made directly in an index. Past performance is not a guarantee of future results.

28% 14% 5% 0%

72% 86% 95% 100%

1-year period 5-year period 10-year period 15-year period

% of Periods with Gain % of Periods with Loss

Let Your Investments “Breathe” Being impatient and jumping in and out of the markets

may reduce your returns

Source: Wellington Management Company, 2013. This chart is for illustrative purposes only. It is based on the S&P 500 Index and is not intended to be indicative of the performance of any specific investment. Indices are unmanaged. An investment cannot be made directly in an index. Past performance is not a guarantee of future results.

-0.02%

The cost of missing the best days of the equity market from 1992-2012

If you missed the market’s40 best days

If you were fully invested for theentire period

2.09%

8.22%

If you missed the market’s30 best days

If you missed the market’s20 best days

If you missed the market’s10 best days

4.53%

-1.94%

Don’t Chase PerformanceTop-Rated Wines from 1992-2011

Like wine, it’s difficult to pick the top-rated investment every year!

This vintage chart should be regarded as a very general overall rating slanted in favor of what the finest producers were capable of producing in a particular viticultural region. Such charts are filled with exceptions to the rule; for example, astonishingly good wines from skillful vintners in years rated mediocre, and thin, diluted wines from incompetent producers in great years. Chart prepared by SunAmerica using select information from The Wine Advocate’s Vintage Guide 1970-2011 (Date: 6/21/12). Source: www.eRobertParker.com.

Diversify to Help Generate More Consistent Returns

PAST PERFORMANCE IS NOT A GUARANTEE OF FUTURE RESULTS. The historical performance data for each index is provided to illustrate market trends. Indices are unmanaged and do not represent the performance of any specific fund or investment product. You cannot invest directly in the indices. Indices do not include expenses, fees, or sales charges that are typically associated with investments and would lower performance results. Equity investments are subject to market risk. Stocks with lower market capitalization generally involve greater risks. An investment in foreign securities may be subject to different and additional risks associated with, but not limited to: foreign currencies, securities regulation, investment disclosure, commissions, accounting, taxes, political or social instability, war, or expropriation. Bonds and bond funds are subject to interest rate risks. If held to maturity, bonds can provide a fixed rate of return and a fixed principal value, while bond funds will fluctuate in value and may be worth more or less than your original investment when redeemed. High yield bonds are subject to greater price swings than higher-rated bonds and payment of interest and principal is not assured. Source: Wilshire Compass, 2013.

Performance of Various Asset Classes from 1993-2012

Consider the Potential Impact of Diversification on Your Portfolio

Diversified Portfolio

Previous Year’s Best Asset Class

Diversification vs. Chasing Performance Value of $10,000 Invested Annually (1993-2012)

A difference of more than $48,000!

Source: Wilshire Compass, 2013. The Diversified Portfolio is invested equally in the eight asset classes shown in the previous slide. Diversification does not ensure a profit or protect against market loss. There is no assurance a diversified portfolio will outperform a non-diversified portfolio. Past performance is not a guarantee of future results.

$413,095

$364,256

These proven investment strategies may help you build the financial security you need to really enjoy the pleasures of wine tasting!

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Investments involve risk, including the possible loss of principal. Please ask me about the risks associated with your current investments and any investments that may be recommended in the future.

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