Services Provided By Valtinson Financial:

Investment Planning and Management

I assist people in investing their hard-earned money using strategies designed to enhance their returns. Through a detailed selection process, we build a diversified portfolio crafted to specifically address the objectives of each client. We design each portfolio to reduce taxes and monitor our clients` portfolios so that we can make changes when necessary.

I help my clients with their pension and 401K rollovers to better enable them to prepare for retirement. I also assist my clients with college funding for their children.

Retirement Planning

Retiring with enough money to live comfortably is the single most important financial planning issue for Americans today. Achieving a comfortable retirement is more challenging than ever. Higher inflation rates, longer life expectancies, job hopping, family breakups, low savings rates and corporate streamlining all contribute to the difficulties of setting aside enough money for a comfortable retirement. Developing a good savings and investment plan will help ensure that you meet your retirement goals.

I help my clients build a comprehensive retirement plan so that they look forward to their retirement as an opportunity to enjoy life without the worry of running out of money.

Insurance Coordination and Analysis

I coodinate all my clients` insurance: Health Insurance and Medicare Supplement, Life, Disability Income, and Nursing Home Insurance. I help them select the most appropriate insurance for their needs.

Estate Planning

Estate planning is another crucially important aspect of financial planning. Having a plan in place can help you avoid needless expenses, confusion, delay and frustration and ensures that your wishes will be followed. In addition to aiding in the transfer of your property to your heirs and reducing taxes, timely estate planning can offer benefits during your lifetime.

The three main goals of estate planning are to:

• Control and direct assets according to your wishes
• Reduce taxes paid by you and your heirs
• Minimize expenses, delays and legal problems

I help my clients in all of the complicated aspects of estate planning and work with my clients` attorneys to coordinate their plans.

Products offered through Valtinson Financial Services:

Investments*

• Full Services Brokerage Accounts
• ETFs
• Mutual Funds
• Stocks
• Bonds
• Pension and 401K Rollovers
• IRAs
• Roth IRAs
• Fixed and Variable Annuities

* Through Woodbury Financial Services

• Life, Disability and Medical
• Long Term Care- Nursing Home Insurance
• Medicare Insurance Supplements

For Businesses

Cash Management

• Pension Plans and Design
• Tax Planning & Strategies to Minimize Taxes
• Group Medical, Life, Disability and Dental Plans
• Pre-tax Cafeteria Plans
• Deferred Compensation Arrangements for Key People

If you have any questions please e-mail or call us.

2451 15th Street NW, Suite A,
NEW BRIGHTON, MN

Tel: 651-628-9832
Fax: 651-633-6566
E-mail: Larry@valtinsonfinancial.com

Investment advice and securities offered through WOOODBURY FINANCIAL SERVICES
_{Valtinson Financial Services and Woodbury Financial Services, Inc. are not affiliated entities.}

P.O. Box 64284, St. Paul, MN 55164 Phone: 651-702-1990
A registered investment advisor and registered broker/dealer, member FINRA & SIPC