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This material contains confidential information and intellectual property of the Capitol Financial Group, Inc., Capitol Financial Design Group and Capital Financial Insurance Service Group. By accepting this material, you agree to respect our proprietary interest in it and to restrict its use to authorized employees of the company in receipt of this material and its affiliates and subsidiaries for whom the company in receipt of this material is responsible. Further, your acceptance of this material constitutes your agreement not to disclose, cause to be disclosed, reproduce or distribute this material to other persons or third parties including, but not limited to, the external Legal Counsel, Independent Certified Public Accountant, an/or Actuarial Consultant of the company without the express written consent of Capitol Financial Group, Inc. and to return this material promptly upon request.

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"The Capitol Financial Group are students of their profession. They provided me with a high level of technical expertise that has enabled me address both my retirement and estate planning matters. They not only communicated well but served as a resource to my other advisors. I have recommended them to my closest friends and associates."

Buzz Berman, President & CEO
Belair Produce, Inc.
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