Total Return Advisory

                        Licensed to Practice only in the State of California
Total Return Advisory and Incentive Asset Management
                  A FEE-ONLY PRACTICE, NO SALES, NO COMMISSIONS

• Flexible Financial Planning:

                 solving today's issues, planning for tomorrow's   goals

• Financial Planning solutions through MoneyTree or MoneyGuidePro, sophisticated planning software
• Portfolio Review: how do your investments compare to recognized benchmarks, such as SP 500 or the Russell 2000?
• Asset Allocation to Balanced Mutual Fund Portfolios: on a hourly-fee consulting basis; or with Incentive Asset Management, on a retainer basis.
• Tax Problem Resolution/IRS or FTB

                 We will help you calculate and file tax returns due for past years.  We will negotiate an installment agreement and strive for monthly payments you can live with.  Under some circumstances, and after our extensive review of your financial status, we may recommend an Offer in Compromise to settle outstand tax obligations, on an ability to pay basis.

ROBERT TIMINERI, EA CFP

Certified Financial Planner Licensee

www.cfp.net

Registered Investment Advisor
State of California
Department of Corporations
Review Total Return Advisory/Incentive Asset Management ADV II

http://www.adviserinfo.sec.gov/IAPD/Content/ViewForm/ADV/Sections/iapd_AdvIdentifyingInfoSection.aspx

Search entry: Total Return Advisory

A NAPFA-Registered Advisor
National Association of Personal Financial Advisors
www.napfa.org

Enrolled Agent

Conferred by United States Dept of Treasury
Enrolled to represent clients before the Internal Revenue Service

                               Hourly rate for professional services

                                                      $195 (2008)

                                  TOTAL RETURN ADVISORY:
           YOUR ACCESS TO PROFESSIONAL, OBJECTIVE ADVICE

                             Oroville: Office              530-538-8500      

                                 Statement of Services and Topics

Application of the financial planning process to selected financial topics:

• ESP Spreadsheet (Cash Flow Planning/Budget/Credit)
       o Earn: excellent work, excellent life
       o Spend: on what and why?
       o Preserve: Ready dollars and Investment dollar

• Tax preparation and planning
       o Three year review
       o Three year projection
       o Tax consequences of financial transactions
       o Resolution of IRS and State Tax Agency problems

• Portfolio (some services billed on yearly retainer basis)

                o Incentive: a managed investment process
                o Your risk profile
                o Investment Time-line
                o Asset Class allocation (Allocation Consulting)
                o Mutual Funds (Equity, Fixed Income): Fifty/Fifty?

• College Planning and Funding
       o Amounts: who pays for what?
       o Time-Line/Accumulate
       o Loans and forms, FASFA
       o Responsibility
  
• Transition/Financial Independence:

                 o How do you see your life in your 60’s, 70’s, 80’s?
                 o IRA and Roth IRA 
                 o 401K and like 
                 o Distribution Rules, Distribution Formulae
                 o Social Security

• Legacy Planning and End of Life Planning
      o Trusts and Wills/Estate Plan Review
       o Planned Giving
       o Power of Attorney for Health Care, Finance
       o Health Care Directive
  
• Adequate Insurance
       o Home/Hazard
       o Medical
       o Term
       o Personal Liability
       o Calculate required dollar amounts
   
• House to Home
       o Purchase/Sale
       o Mortgage refinance
       o Equity loans
       o Planned pay-off
  
•  Marriage
        o Liability review
        o One household from two
        o Financial union
        o Couples Contract (based on the work of Ed Sherman, Esq. and others)
  
•  Divorce
        o 6 months before/6 months after
        o Tax consequences/Appropriate tax preparation
        o Equitable settlement
        o Two households from one
        o Equalization loans
  
  
  CLIENT BILL OF RIGHTS
  (FROM CFP BOARD)
  YOU, THE CLIENT, CAN EXPECT:
  
  Trust
  Expertise
  A Listener
  Suitability of Advice
  Appropriate Performance
  Commitment
  Your Planner to Remember: It's your money!

This Summary is not a contract. I am offering you, and will provide upon request, a copy of my Form
ADV, Part II and/or my Financial Services Agreement. I do not sell nor disclose your personal
information, except as needed to complete forms or applications you authorize and except as required by court order. My professional practice is regulated by the Department of Corporations, State of California, which issued to me in 1993 an Investment Advisor Certificate, file no. 925-2004; and by the US Department of Treasury, Internal Revenue Service, Treasury Department Circular No. 230. E mail
correspondence may be archived, per SEC requirements.
                                                                Robert Timineri EA CFP

                          Total Return Advisory and Incentive Asset Management