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…is dedicated to helping our clients define and create a plan to reach their financial goals. We pride ourselves on delivering objective, strategic, and prudent advice designed to help our clients accumulate, protect and transfer wealth.

We are a comprehensive financial planning companywith offices in California: San Ramon, Livermore,

Point Richmond, Bakersfield and Irvine, as well

as in Houston, Texas.

InsightWealth Strategies…

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Our expertise in comprehensive financial planning includes:

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Retirement Planning

Risk Management

Estate Planning

Wealth Management

Life Insurance Analysis Long-Term

Care Analysis

Asset Protection

Investment Planning

Employee Stock Options & RSUs

Tax Reduction Strategies

College Funding

Estate Tax Reduction Strategies

Wills & Trusts

Retirement Benefits

Lump Sum vs.

Pension

Retirement Income

Planning

Disability Insurance Analysis

Powers of Attorney

Survivorship

Annualized Cash Flow Analysis

Comprehensive Financial Planning

             

David Chazin is a registered representative of Lincoln Financial Advisors Corp.

Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer and registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. 3000 Executive Parkway, Suite 400, San Ramon, CA 94583, (925) 659-0251. www.insight2wealth.com CA Insurance Lic #0D45501.

Presented By David Chazin

• Retirement Planning • Retirement Income Planning • Detailed Annualized Cash Flow Analysis • Lump Sum/Pension Analysis • Monte Carlo Analysis• Estate Planning • Wills and Trust • Estate Tax Reduction Strategies • Powers of Attorney • Beneficiary Designations• Wealth Management • Investment Planning • Employee Stock Options & RSUs • Tax Reduction Strategies • Net Unrealized Appreciation (NUA) • Wealth Transfer Strategies • Asset Allocation • Risk Management • Life Insurance Analysis • Long Term Care Analysis • Disability Insurance Analysis • Survivor Planning• Life Event Planning • College Funding • Long-Term Care• Business Succession Planning

Visit us online at insight2wealth.com or call us at (800) 318-7848 4

...We strive to make the complex simple. Our financial planning process provides comprehensive cross-disciplinary advice, precise execution and high quality personalized service.

1 2 3EngagEOur process begins with a series of ques-tions to determine your financial planning needs and goals. We offer you a compli-mentary initial consultation with a financial planner to understand your unique situation and demonstrate how we can help you.

CoLLECtWe gather detailed information pertain-ing to your unique financial situation in order to develop a customized and accurate financial plan as well as clarify your needs and goals.

anaLyzEWe analyze the data and your uniquefinancial situation.

Visit us online at insight2wealth.com or call us at (800) 318-78485

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DESignWe develop a customized plan based on your input and our analysis. We take the time to be sure you are comfortable with your plan.

iMPLEMEntWe coordinate with your other advisors, recommend specific financial products to meet your objectives and then assist you in implementing your customized plan. You decide what you want to implement and when.

REviEWWe anticipate the need for change and review your plan often, meeting on a quarterly basis and comparing actual results to initial assumptions to determine if your goals and objectives are being reached. We make adjustments if life situations dictate that change is necessary.

The Insight Wealth Strategies approach is based on understanding your objectives. We provide fee-based customized financial services to deliver a comprehensive financial plan based on your objectives.Our focus is to help you create the plan that’s right for you.

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At Insight Wealth Strategies we work very closely with many oil company executives, managers, and employees in San Ramon, Point Richmond, Irvine, Bakersfield and Houston, TX, providing you with very detailed comprehensive plans to help you achieve your financial goals.

We utilize strategies such as NUA to reduce future income taxes on retirement plan and deferred compensation plan assets, potentially resulting in significant tax reduction. In addition, we can determine your existing estate tax liability and design a plan to minimize your potential estate taxes, now as well as 30 years in the future.

We analyze your investments/holdings and develop an overall asset allocation model based on your risk tolerance, income needs, taxes, time horizon, concentrated stock positions, etc. We analyze your employee stock option grants with respect to factors like systematic exercising, tax implications, hold vs. sell, cashless exercise vs. cash purchase, hold vs. borrow to purchase, hold vs. sell to cover and selling covered calls strategies.

We have the knowledge to educate you about the multiple moving parts in your ESIP, CIP,

CRP, LTIP, RRP, DCP, LTIP II, DCP II, etc. as well as in your employee stock option plan.

Financial Planning forOil Company Executives & Employees

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We at Insight Wealth Strategies work very closely with lab employees in Livermore and are intimately familiar with the unique challenges lab employees face.

We have an office in Livermore for our clients’ convenience.

Our clients include both current and former lab employees, who utilized our services for in-depth retirement planning, monthly pension vs. lump sum analysis, professional investment management, estate planning, and overall financial advice.

In 2007, we assisted over 200 people at the lab with understanding all of the benefits and drawbacks related to TCP1 and TCP2, allowing them to make the best decision for their particular situation. We also assisted lab employees in 2013 in regards to VSP.

Financial Planning for Lab Employees & Retirees

As a result of our experience, we are very knowledgeable about the UCRP, UC’s retirement accounts (403(b), 457(b), DCP, CAP), TCP1, the options available regarding TCP2, plus other issues lab employees face. We have provided detailed plans to help you achieve your financial goals and/or strategic investment advice to help you make your money work more effectively.

Disclosure:Registered Associates of Insight Wealth Strategies are registered representatives of Lincoln Financial Advisors Corp. Insight Wealth Strategies is not an affiliate of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. It is not our position to offer legal or tax advice. We encourage you to seek the advice of an attorney or accountant prior to making tax related investment and/or insurance decisions.CRN949642-061814

visit us atinsight2wealth.com

our process begins with a series of

questions to determine your financial

planning needs and goals. We then offer

you a complimentary initial consultation

with a financial planner to understand your

unique situation and demonstrate our value

proposition to you.

We have also developed a unique expertise

over the years working with executives,

managers and employees at a few

companies in the San Francisco Bay Area,

Irvine, Bakersfield and Houston, TX.

Please call us to schedule your complimentary initial

consultation.(800) 318-7848