| PAYNE FINANCIAL MANAGEMENT, L.L.C. |
| (A Registered Investment Advisory Firm) |
| _______________________________________________________________________ |
| Fee-Only Investment & Wealth Management Services |
| "Dedicated to Placing the Client's Interest First" |
| 210 Interstate North Parkway Suite 700 Atlanta, GA 30339 |
| Toll Free (800) 257-0254 |
JEFFREY C. "BUTCH" PAYNE, JR., CFP® Email butch@paynefinancialmanagement.com |
| Click Here to Learn More About the Early Retirement Provision (Very Important for Retirees Between the Ages of 54 - 59 1/2) |



| Helping Clients "Retire For Life" for over 26 years. |

| Payne Financial Management, L.L.C. Utilizes Charles Schwab &Co., Inc. as Custodian for Client Accounts |
| We Offer Professional Investment Management & Retirement Guidance Based on Your Specific Goals and Situation. |
| No Sales, No Commissions, No Conflicts of Interest, Our Relationships are Straightforward & Client Focused. |