Investments

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An essential component of financial planning is advising clients on investment selection. Some clients ask their advisors to go a step further and design a portfolio that is specifically designed for them. To help a client with his/her investment strategy, the financial planner needs to understand the client's expected rate of return, risk tolerance, and comfort level with the different investment vehicles that are available. Each investment has its unique characteristics that make it suitable for some clients and not for others. In addition to considering the risk and return characteristics of investment, a financial planner can also help with designing a tax-efficient investment strategy that could improve the net performance of that portfolio.

Your Hantz Financial Servicestm (HFS) financial advisor will analyze your situation using an appropriate level of financial planning so that an optimal investment portfolio recommendation can be made and a long-term investment management strategy can be implemented.

There are numerous investment vehicles in the market place today; here is a description of some of the most common:

Money Market accounts are usually liquid to the investor, although some might have a limitation on the number of monthly checks that can be written against the deposit. Money Market Funds are a type of mutual fund that invests in high quality short-term, debt securities, pays dividends that gernerally reflect short-term interest rates, and seeks to maintain a stable net asset value per share (typically $1.00). An investment in a Money market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. As with any mutual fund you should review the prospectus and consider the impact of fees on your investment.

Stocks and Bonds are individual securities that can be traded in different markets using a brokerage account. Stocks represent an ownership interest in a company and are usually used by clients looking for long-term growth, while Bonds represent a debt to the company and produce income to the investor.

A Mutual Fund is a convenient way for investors to diversify their holdings and get professional management in one investment. A Mutual Fund may hold stocks or bonds of hundreds or even thousands of companies. Each fund has a different investment goal that the manager attempts to achieve through security selection and management. Investors in Mutual Funds own a piece of the hundreds of companies in which the fund is invested.

A Variable Annuity allows you to invest money on a tax-deferred basis. Money can be invested in a multitude of professionally managed sub-accounts based on a suitable asset allocation model. A variable annuity is suitable for long-term investing, particularly retirement. While earnings in a variable annuity grow income tax deferred, withdrawal of earnings are taxed as ordinary income. There may be product company charges for early withdrawal of funds and there may be income tax penalties for withdrawal of funds before age 591/2. Distributions can be made at a later date as needed in a lump-sum or systematically over your life. Consult your tax advisor before investing in this product.

A Fixed Annuity is a tax-deferred investment that earns a fixed interest-rate without exposure to market fluctuations. This type of investment is usually used by people who are near or in retirement in order to build retirement income. Several income and distribution options are available to satisfy retirement income needs. Consult your tax advisor before investing in this product.

Consult your HFS Financial Advisor regarding your investment portfolio design and management.

Investment products - including shares of mutual funds - are not federally or FDIC-insured. They are not deposits in, obligations of, or guaranteed by any financial institution, and they involve investment risks including possible loss of principal and fluctuation in value.

You should consider the investment objectives, risks, charges, and expenses (such as market risk, product company fees and expenses, sales charges mortality and expense charges, administration fees and annual contract fees, where applicable) of a variable annuity or mutual fund before investing. For a free copy of a prospectus, which contains this and other information about a variable annuity contract and the underlying sub-account or a mutual fund, call your investment advisor or (248) 304-2855. Read the prospectus carefully before investing.

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Please note that Hantz Group, Inc. is the parent corporation to a number of wholly or partially owned subsidiary companies, including but not limited to Hantz Financial Services, Inc. (a broker-dealer/mortgage broker), Hantz Tax & Business, LLC (an accounting and tax preparation company), Hantz Agency, LLC (an insurance agency), Hantz Commercial Insurance Agency, LLC (specializing in insurance for businesses), PLUS Agency, LLC (an impaired insurance agency), Hantz Benefit Services, LLC (an employee benefits agency), Hantz Lending, LLC (a mortgage broker), Hantz Software, LLC (a computer software company); Hantz Technology, LLC (a computer technology company), Hantz Group Sports & Entertainment, LLC (sports and entertainment), Hantz Group Racing, LLC (stock car racing), Hantz Soccer USA, LLC (indoor soccer), Hantz Farms, LLC, (an urban farming company), DiLaura Brothers, LLC (a bowling distributorship), Bowling IQ, LLC (a bowling training center), Hantz & DiLaura Properties, LLC (owners of a bowling property); United Beverage Group, LLC (a beverage company), Hantz Air, LLC (a charter aircraft company), Hantz, Rhoades & Doehrer, LLC (an accounting firm), Hantz Titus Urbanski, LLC ( an accounting firm), Hantz Ewald, LLC (an accounting firm), Hantz Real Estate Ventures, LLC (a real estate holding company), 1540 South Holland Sylvania, LLC (a real estate holding company), Hantz Golf, LLC, Hantz Golf Club of Tecumseh, LLC.