your prosperity picture, five step system

VKC-YYP-PPT-1P 04/13 Invesco Distributors, Inc. Code

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE

“Your Prosperity Picture” is based on our firm’s research with Maslansky Luntz + Partners (2007-2011) AND Ellen Rogin, CPA, CFP®, wealth advisor, and Abundance Activist™ (2008). Invesco Distributors, Inc. is not affiliated with Maslansky Luntz + Partners or Ellen Rogin.

All material presented is compiled from sources believed to be reliable and current, but accuracy cannot be guaranteed. This is not to be construed as an offer to buy or sell any financial instruments and should not be relied upon as the sole factor in an investment decision. As with all investments, there are associated inherent risks. Please obtain and review all financial material carefully before investing. This does not constitute a recommendation of the suitability of any investment strategy for a particular investor.

This information is for illustrative, informational and educational purposes only. We make no guarantee that participation in this program or utilization of any of its content will result in increased business.

Intuit Inc. is not affiliated with Invesco Distributors, Inc. Mint.com and Quicken® are trademarks and service marks of Intuit Inc.

Invesco does not provide tax advice. The tax information contained herein is general and is not exhaustive by nature. It was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Federal and state tax laws are complex and constantly changing. Investors should always consult their own legal or tax advisor for information concerning their individual situation.

Before investing, investors should carefully read the prospectus and/or summary prospectus and carefully consider the investment objectives, risks, charges and expenses. For this and more complete information about the fund(s), investors should contact their advisers for a prospectus and/or summary prospectus or visit invesco.com/fundprospectus.

Diversification does not guarantee a profit or eliminate the risk of loss.

Please take a moment to review the important information on this slide.

IMPORTANT RISK INFORMATION

RISK CONSIDERATIONS

Prices of equity securities change in response to many factors, including the historical and prospective earnings of the issuer, the value of

its assets, general economic conditions, interest rates, investor perceptions and market liquidity.

Fixed income investments have interest rate risk, which refers to the risk that bond prices generally fall as interest rates rise and vice

versa.

Foreign securities have additional risks, including exchange rate changes, political and economic upheaval, relative lack of information,

relatively low market liquidity, and the potential lack of strict financial and accounting controls and standards.

Investing in medium and smaller companies involves risks not associated with investing in more established companies, such as business

risk, stock price fluctuations and illiquidity.

Commodities may subject an investor to greater volatility than traditional securities such as stocks and bonds.

Investments focused in a particular sector, such as real estate, are subject to greater risk, and are more greatly impacted by market

volatility, than more diversified investments.

Growth stocks tend to be more expensive relative to their earnings or assets compared with other types of stock. As a result they tend to

be more sensitive to changes in their earnings and can be more volatile.

A value style of investing is subject to the risk that the valuations never improve or that the returns on value equity securities are less

than returns on other styles of investing or the overall stock market.


INDEX DEFINITIONS

The Russell 1000® Growth Index is is an unmanaged index considered representative of large-cap

growth stocks. The Russell 1000® Value Index is an unmanaged index considered representative of

large-cap value stocks. The Russell Midcap® Index is an unmanaged index considered

representative of mid-cap stocks. The Russell 2000® Index is an unmanaged index considered

representative of small-cap stocks. The MSCI EAFE® Index is an unmanaged index considered

representative of stocks of Europe, Australasia and the Far East. The FTSE NA REIT Equity REITs

Index is an unmanaged index considered representative of U.S. REITs. The S&P GSCI Index is an

unmanaged world production-weighted index composed of the principal physical commodities that

are the subject of active, liquid futures markets. The Barclays U.S. Aggregate Index is an

unmanaged index considered representative of the U.S. investment-grade, fixed-rate bond market.

An investment cannot be made directly into an index. The S&P 500® Index is an unmanaged index

considered representative of the U.S. stock market. The Russell 1000 Growth Index, Russell 1000

Value Index, Russell MidCap Index and Russell 2000 Index are trademarks/service marks of the

Frank Russell Co. Russell® is a trademark of the Frank Russell Co.


THE PROSPERITY SYSTEM

Developed in conjunction with Ellen Rogin, CPA, CFP®

• Create the vision

• Know where you are

• Design your plan

• Make it happen

• Enjoy the journey

“Your Prosperity Picture” is based on our firm’s research with Maslansky Luntz + Partners (2007-2011) AND Ellen Rogin, CPA, CFP®, wealth advisor, and Abundance Activist™ (2008). Invesco Distributors, Inc. is not affiliated with Maslansky Luntz + Partners or Ellen Rogin.

STEP 1: CREATE THE VISION


Which images best show how you want your life to look and feel?


Images shown for illustrative purposes only.

STEP 2: KNOW WHERE YOU ARE



Maintain an up to date

written inventory of

assets and liabilities

• Update net worth

statement 2x year

• Put on-line resources

to work

• Got debt? Double check

your interest rate

mint.com and Quicken® are trademarks and service marks of Intuit Inc.

Invesco Distributors, Inc. is not affiliated with Intuit Inc.

Invesco has not reviewed mint.com or the Quicken program and does not

guarantee any claims or assume any responsibility for the client.



Save & invest the right amount for you

• Are you clear on how much you’re saving & investing?

• Are you saving & investing enough to meet your goals?

• Are you saving & investing in the most strategic types

of accounts?

• Emergency Cash Reserve (six to twelve months)

• 401(k) or other employer-sponsored plans

• Traditional/Roth IRA’s

• Other Saving/Investment Vehicles

such as 529 Plan for college saving

Note: Invesco does not offer a 529 plan.


Have the Right Insurance

Life

Disability

Long-Term Care

Health

Auto

Home

Umbrella

Note: Invesco does not offer any insurance products.


Maintain an up to date, written estate plan

• Clarify your final wishes

• Establish or review:

• Plans for minor children

• Will

• Power of attorney for property

• Power of attorney for health care

• Living (revocable) trust

• Review plans for gifting or charitable giving,

seek advice if necessary


Communicate with

your significant other

• Set up a “Financial

Check-In” twice a year

• Make sure you’re each

aware of key details

and documents

• Create a Couples

Prosperity Picture

Ensure that your

asset allocation

matches your risk

comfort level and

long term needs

Growth of $1,000 December 31,1929 to

December 31, 2013


Source: Ibbotson and Morningstar, Inc. For Illustrative Purposes Only. Stocks represented by the S&P 500® Index, an unmanaged index considered representative of the U.S. stock market. Bonds represented by the Ibbotson Long-Term Corporate Bond Index, representative of long-term, high-grade corporate bonds. 30-day T-Bills are measured by rolling over each month a one-bill portfolio containing, at the beginning of each month, the bill having the shortest maturity not less than one month. Inflation is represented by Consumer Price Index for All Urban Consumer (CPI-U), a measure of change in consumer priced as determined by the U.S. Bureau of Labor Statistics, not seasonally adjusted. All index returns, with the exception of Inflation, are based on total returns and include the reinvestment of dividends. An investment cannot be made directly into an index. Past performance is no guarantee of future results. Diversification does not guarantee a profit or eliminate the risk of loss.

STEP 3: DESIGN YOUR PLAN


Short term goals

Options to consider:

• Current income sources

• Money markets

• Savings accounts

• CDs

• Short-term bond funds

CDs are insured by the Federal Deposit Insurance Corporation (FDIC). Money market funds are not insured by the FDIC or any other government agency. Short-term bonds are subject to interest rate, credit and repayment risks. Interest rate risk refers to the risk that bond prices generally fall as interest rates rise; conversely, bond prices generally rise as interest rates fall. Specific bonds differ in their sensitivity to changes in interest rates depending on their individual characteristics, including duration. The issuer of instruments in which the Fund invests may be unable to meet interest and/or principal payments, thereby causing its instruments to decrease in value and lowering the issuer's credit rating. An issuer's ability to prepay principal on a loan or debt security prior to maturity can limit the Fund's potential gains. Prepayments may require the Fund to replace the loan or debt security with a lower yielding security, adversely affecting the Fund's yield.


Long term goals

To help determine

comfort with risk:

• Timeframe

• Importance of goal

Options to consider:

• Mutual funds

• Stocks


Please refer to slides 3-4 of the presentation for important risk information and index definitions.

An investment cannot be made directly into an index. Index performance reflects reinvestment of

dividends. Average is a straight average of the annual returns for each asset class divided by the number

of years shown. Past performance is no guarantee of future results.

Diversification /asset allocation does not ensure a profit or eliminate the risk of loss.

Blank Slide- for notes only


•Includes strategies that combine stocks, bonds, and commodities.

Portfolios shown are for illustrative purposes only and are not a recommendation to buy or sell a security. The portfolios are based on The

Invesco Target Risk Funds. The Conservative portfolio is represented by Invesco Conservative Allocation Fund, the Moderate portfolio Is

represented by Invesco Moderate Allocation Fund, and the Aggressive portfolio is represented by Invesco Growth Allocation Fund. Please

see Invesco.com/us for more information on these funds. Past performance is not a guarantee of future performance. Diversification/asset

allocation does not guarantee a profit or eliminate the risk of loss. Source: Invesco as of 9/18/12.

Sample Portfolios

STEP 4: MAKE IT HAPPEN

YOUR beliefs about money

• Did you talk about money

in your home?

• Did you feel like there

was a lot of money

or a lack of money?

• Did your parents argue

about finances?

• Your first money memory?

• What does money mean to you today?


Make it easy!

For illustrative purposes only.


The Power of Regular Investing

In five years, $120 per month

saved or invested

Will grow to $7200 at 0%

average annual return

May grow to $7897 at 3%

hypothetical average annual return

May grow to $8314 at 5%

hypothetical average annual return

This is a hypothetical example with a fictional story. It does not necessary represent the experiences of actual clients, nor does it indicate future performance. Regular investing does not assure a profit or eliminate the risk of loss. Investors should consider their ability to continue investing regardless of fluctuating security prices.


What’s your perspective?

Are you saving/investing

money for the future or

losing spending power now?


Who else is on the bus?

Credit: iStock 000012646997

STEP 5: ENJOY THE JOURNEY


Giving back


Expressing gratitude

WHAT’S NEXT?

• Advisor offer

• Evaluation + raffle

Image shown for illustrative purposes only.

NOT FDIC INSURED | MAY LOSE VALUE | NO BANK GUARANTEE

VKC-YPP-PPT-1P 1014 Invesco Distributors, Inc. 12910

your prosperity picture, five step system

Economy & Finance