

| Welcome to Clients First Financial! |
A goal without a plan is just a wish. ....Anonymous |
| Clients First Financial, LLC |


Our Advisors Average 19 Years of Experience and Integrity in Financial Services |
| Questions? Please call us at (800) 593-2275 or e-mail us. |
| Clients First Financial, LLC 72 Sharp Street, Suite A2 Hingham, MA 02043 All Rights Reserved |
| Brooking's "Strategies for Promoting Lifetime Income in Retirement Savings Accounts" by William G. Gale http://www.brookings.edu/papers/2010/0519_retirement_savings_gale_john.aspx Efficient Frontier's "The Retirement Calculator from Hell" by William Bernstein http://www.efficientfrontier.com/ef/998/hell.htm Wharton Financial Institutions Center Policy Brief: Personal Finance "Investing your Lump Sum at Retirement" fic.wharton.upenn.edu/fic/Policy%20page/WhartonEssay18.pdf The American Academy of Actuaries Lifetime Income Studies C:\Users\Amay\Desktop\American Acad of Actuaries lifetime income.pdf Recent Articles Regarding Annuities Wall Street Journal New York Times Trinity Study |