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<font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.</font><font size="3">
are financial planners, investment advisors, portfolio managers. And we
specialize in education planning, tax planning, divorce planning, asset management,
investment planning, financial planning, key employee insurance, investment
consulting, estate planning, risk management, and executive compensation plans.
</font><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc. </font><font size="3">
may be able to help you with: financial planning, fee-based asset management,
tax planning, retirement planning, risk management and estate planning.</font>
<p><font size="2"><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co.,
Inc. 516 Fifth Avenue New
York, NY 10036<br>
Phone: 212-302-6300 </font>Fax: 212-302-6390 </font></p>
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<p align="center"><font face="Times New Roman" size="3">| <a href="f_links_copy(1).htm#Intro">Introduction</a>
| <a href="f_links_copy(1).htm#Offer">What We Offer</a> | <a href="f_links_copy(1).htm#Process">The
Financial Planning Process</a> | <a href="f_links_copy(1).htm#Objectives">Frequently
Stated Financial Objectives</a> |</font>
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<p ALIGN="center"><font face="Times New Roman" size="3"><a name="Intro"></a></font><u><font size="3" face="Times New Roman"><b>Introduction</b></font>
</u> </p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Joel Isaacson
& Co., Inc. provides total financial services for its clients.
The firm is dedicated to helping clients manage risk and investments,
improve cash flow, reduce or defer income taxes, and preserve capital
through estate and retirement planning.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Our philosophy
is to deal with a client's total financial picture. Our firm coordinates
the legal, investment, and tax advice provided by attorneys, stockbrokers
and other specialists. Joel Isaacson & Co., Inc. plans, presents
and suggests only those products that fit into the client's master
plan. No investment products are sold to clients. Compensation is
on a fee only basis, assuring complete objectivity and ultimately
providing maximum efficiency at minimum cost.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Thank you
for visiting our Web Site.</font>
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<p align="center"><font size="3" face="Times New Roman"><b><a name="Offer"></a>What
We Offer</b></font></p>
</u>
<ol>
<li><font size="3" face="Times New Roman">Investment Planning –
Analysis of current investment portfolio to insure that the investment
mix is consistent with the individual’s overall objectives.
Analysis of investments incorporating each individual’s risk
tolerance, present and future income needs, anticipated yields
and tax implications. Specific asset allocations will be suggested
to adjust the portfolio, as well as specific no-load mutual funds,
(and money managers) if appropriate. We are registered as an investment
advisor with the Securities and Exchange Commission.<br>
</font></li>
<li><font size="3" face="Times New Roman">Cash Flow Management –
Multi-year cash flow models are developed in which short and long
term expenditures (tax payments, new residence, children’s
education, retirement, etc.) are anticipated and appropriately
funded. Our models are also used to analyze the flow of cash available
to fund investment strategies<br>
</font></li>
<li><font size="3" face="Times New Roman">Estate Planning –
Development of an estate plan which considers both dispositive
and tax-saving objectives. Review of wills and trust with planning
recommendations.<br>
</font></li>
<li><font size="3" face="Times New Roman">Tax Planning – Thorough
review of all tax planning opportunities in order to proactively
plan financial transactions to minimize current and future tax
liabilities. We are also available as a special service to prepare
all federal and state tax filings.<br>
</font></li>
<li><font size="3" face="Times New Roman">Employee Benefit Coordination
– A review of company provided benefits to seek methods to
enhance their value to the executive and to coordinate these benefits
with personal insurance, investment and tax planning. A fresh
look at potential benefits not currently in use at the company.<br>
</font></li>
<li><font size="3" face="Times New Roman">Insurance Planning –
An analysis of current personal and employer-provided insurance
coverage, as well as, a capital needs analysis to determine the
optimal level of life and disability insurance. Analysis of property/casualty
coverage including homeowner’s, auto and umbrella liability
contracts.<br>
</font></li>
<li><font size="3" face="Times New Roman">Retirement Planning –
A review of current retirement plans to maximize accumulations
while minimizing taxation on distributions. Analyses are performed
to determine if the individual is "on track" for targeted
financial independence goals.</font></li>
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<p align="center"><font face="Times New Roman" size="4"><u><a name="Process"></a>The
Financial Planning Process</u></font></p>
<p><font face="Times New Roman">A. </font><u><font face="Times New Roman">Organization</font></u>
</p>
<ol>
<li><font face="Times New Roman">Development of financial profile
through review and organization of your personal financial documents.</font></li>
<li><font face="Times New Roman">Working with your advisor network
to establish an accurate and up-to-date data base.</font></li>
</ol>
<p> <font face="Times New Roman">B. </font><u><font face="Times New Roman">Analysis</font></u>
</p>
<blockquote>
<p><font face="Times New Roman">Application of a business planning
approach to analyzing your personal finances. Development of your
financial base case through preparation of a Cash Flow Statement,
Income and Tax Statement and Statement of Net Worth. Scrutiny
of your financial base case through financial ratios analysis,
projection of your financial position over your chosen planing
horizon, etc.</font></p>
</blockquote>
<font face="Times New Roman">C. <u>Setting Objectives and Priorities</u></font>
<blockquote>
<p><font face="Times New Roman">Articulating and setting personal
financial objectives and priorities which are realistic and attainable.</font></p>
</blockquote>
<p><font face="Times New Roman">D. <u>Integration of Recommendations
and Alternatives</u></font></p>
<blockquote>
<p><font face="Times New Roman">Coordinating the planning strategies
and alternatives developed by your network of advisors.</font></p>
</blockquote>
<ol>
<ol>
<li><font face="Times New Roman">Identifying your planning opportunities
and problem areas.</font></li>
<li><font face="Times New Roman">Identifying your financial strengths
and weaknesses.</font></li>
</ol>
</ol>
<p><font face="Times New Roman">E. <u>Starting Action – Implementation
of Your Financial Plan</u></font></p>
<blockquote>
<p><font face="Times New Roman">Start action: A financial plan is
nothing more than a blueprint. Implement your plan in an effective
and timely manner.</font></p>
</blockquote>
<ol>
<ol>
<li><font face="Times New Roman">Develop a list of your planning
strategies in their order of priority.</font></li>
<li><font face="Times New Roman">Set a target date for implementation
of each strategy.</font></li>
<li><font face="Times New Roman">Use your professional team to
help you implement your personal financial plan.</font></li>
</ol>
</ol>
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<p align="center"><font size="3" face="Times New Roman"><b><a name="Objectives"></a>Frequently
Stated Financial Objectives</b></font></p>
</u>
<ul>
<li><font size="3" face="Times New Roman">Financial Independence
- to be less reliant on earned income</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Increase Real Wealth Through
Effective Asset Management, to more than just keep up with inflation.</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Increase Current Income
Through Restructuring of Assets.</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Resolve Cash Flow / Spending
Problem</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Reduce Income Taxes</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Meet Children’s Education
Expenses as Economically as Possible.</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Purchase a Residence /
Vacation Retreat</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Maximum Utilization of
Fringe Benefits</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Provide for Family in
Case of Death, Disability or Illness</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Protect family Assets
/ Lifestyle from Casualty and Liability Losses</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Develop an Estate Plan
for Maximum Conservation of Assets Through Minimization of Estate
Taxes and Other Costs</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Adequate Estate Liquidity</font></li>
</ul>
<ul>
<li><font size="3" face="Times New Roman">Provide Ease of Estate
Management and Minimize Post-Mortem Aftermath</font></li>
</ul>
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<p ALIGN="JUSTIFY"><font face="Times New Roman">Our mission is to be the
best company and the industry leader in identifying needs and providing
solutions that significantly impact the achievement of our clients’
personal and business objectives. We are a company with a passion for
our clients and our business.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman">We have:</font></p>
<b>
<p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR PEOPLE</font></p>
</b>
<ul>
<li><font face="Times New Roman">For clients evidenced through committed,
enthusiastic and impeccable service.</font></li>
<li><font face="Times New Roman">For our Company’s employees to
make the experience of working at Joel Isaacson & Co., Inc. rewarding
and fun.</font></li>
</ul>
<b>
<p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR GREAT IDEAS
& CREATIVE SOLUTIONS</font></p>
</b>
<ul>
<li><font face="Times New Roman">For clients personally designed financial
plans to meet and exceed each client’s unique requirements.</font></li>
</ul>
<b>
<p ALIGN="JUSTIFY"><font face="Times New Roman">A PASSION FOR SUCCESS</font></p>
</b>
<ul>
<li><font face="Times New Roman">For supporting clients in achieving
and surpassing their objectives.</font></li>
<li><font face="Times New Roman">For exceeding client expectations through
flawless execution and a "can do/will do" attitude.</font></li>
</ul>
<p ALIGN="JUSTIFY"><font face="Times New Roman">Joel Isaacson & Co.,
Inc. was founded in May 1993. The three original professionals had worked
together principally since 1985 and many of the clients have been with
us since then. The firm is, a fee-only financial and tax planning firm,
dedicated to the highest levels of wealth management and tax compliance
services. The firm has been duly recognized through leading industry
roles and unprecedented media coverage. We have been recognized as one
of the Top Financial Advisory firms in America by WORTH Magazine.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman">Our dedication is to individualize
services. We work with you on a one to one to develop a strong understanding
of your goals in life and come up with a plan for pursuing them.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman">The financial planning
process begins with a consultation to discuss your goals and concerns.
In order to prioritize these concerns and develop an understanding of
what is most important to you, we gather information about your current
situation and pay close attention to your strengths and weaknesses.
In the initial complementary consultation, we try to determine how we
can help you. Our financial experts then help identify strategies necessary
to achieve your goals and discuss them with you at a subsequent meeting.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman">A challenging aspect of
financial planning is adjusting to the periodic changes that occur in
one’s life as well as, the external forces of tax laws, interest
rates, market conditions, etc. We determine how frequently we will meet
to review your portfolio position and make sure you are on target to
pursue your goals.</font>
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<p ALIGN="JUSTIFY"><font size="3"><b>Joel Scott Isaacson, CPA, CFP</b>,
who heads the firm, was educated at Lehigh University and Golden Gate
University (San Francisco), and holds a B.S. degree in Accounting
and an M.B.A. in Financial Planning.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacson
is former Chairman and former President of the New York Chapter of
the International Association for Financial Planning; a former Chairman
of the Personal Financial Planning Committee of the New York State
Society of Certified Public Accountants; and an active member of the
American Institute of Certified Public Accountants as well as the
Estate Planning Council.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacson
is frequently quoted in numerous financial publications and appears
on both radio and television. He was selected as one of America’s
Best Financial Advisors by Worth Magazine for every year that the
list has been published.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">A teacher as
well as a practitioner, Mr. Isaacson conducts financial planning seminars
for the management groups of leading Fortune 500 firms and speaks
regularly before numerous professional and trade organizations. He
has taught financial and tax planning at New York University, The
School in New York City, and Iona College in New Rochelle, New York.</font></p>
<p ALIGN="JUSTIFY"><font face="Times New Roman" size="3">Mr. Isaacson’s
philosophy is to deal with a client’s total picture. He coordinates
the legal investment and tax advice provided by stockbrokers, attorneys,
accountants and other specialist. Joel Isaacson & Co., Inc. plans,
presents and suggest only those products that fit into the clients
master plan. No investment products are sold to clients. Compensation
is on a fee-only basis, assuring complete objectivity and ultimately
providing maximum efficiency at minimum cost.</font>
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<td><font size="3" face="Times New Roman"><b>Martin Stein, JD, CPA, CFP</b>,
principal of the Firm and the Tax Director, holds a Bachelors Degree
in Accounting earned at Touro College and a law degree from Brooklyn
Law School. Martin is also a graduate of the CFP program offered by
the College for Financial Planning. Mr. Stein is admitted to practice
as an attorney in the State of New York and is a member of various professional
and civic organizations. A teacher as well as a practitioner, Martin
has led in-house and outside seminars in the area of retirement planning.
Mr. Stein is a member of the American Institute of Certified Public
Accountants, and the New York State Society of Certified Public Accountants.</font></td>
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<p ALIGN="JUSTIFY"><font face="Times New Roman"><b><font size="3">Stanley
L. Altmark,</font></b><font size="3"><b> CPA, CFP, PFS</b>, principal
of the Firm, holds a Bachelors Degree in Accounting from Franklin
and Marshall College, and a Certificate in Financial Planning from
both Adelphi University and the College for Financial Planning. Mr.
Altmark was selected as, one of America’s Best Financial Advisors
by Worth Magazine for every year that the list has been published.
He has recently appeared on numerous television broadcasts including
Fox News Channel, CNN-FN, and the Wall Street Journal Report. Mr.
Altmark has also been quoted in several financial publications discussing
such topics as mutual fund investing strategies, asset allocation,
life insurance and year-end planning tips. He has also been quoted
in several financial publications. He has lectured extensively for
corporate benefit groups and various professional organizations including
the IAFP, ICFP and NYSSCPA.</font></font></p>
<p><font face="Times New Roman" size="3">Mr. Altmark served on the Board
of Directors of the International Association for Financial Planning
- New York Chapter, and has been active in various capacities for
the last nine years. He is a member of the American Institute of Certified
Public Accountants, the New York State Society of Certified Public
Accountants, and the National Association of Personal Financial Advisors.
He is presently a member of the Personal Financial Planning Committee
of the New York State Society.</font>
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<td><b><font size="3" face="Times New Roman">Joyce Streithorst, CFP</font></b><font size="3" face="Times New Roman">,
recently admitted as a shareholder and principal joined Joel Isaacson
& Co., Inc. in 1993. Her primary focus is providing financial planning,
tax and investment advisory services. Joyce has extensive experience
counseling corporate executives and has overall responsibility for several
of the firm’s corporate financial planning program relationships.
Joyce lectures professional and business groups on estate and financial
planning topics. Joyce’s educational background includes a Bachelor’s
Degree in Business Administration earned at Adelphi University and is
currently pursuing a Master’s Degree in Financial Services presently
with American College. Joyce is a Certified Financial Planner and a
member of the International Association for Financial Planning.</font></td>
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<td><b><font size="3" face="Times New Roman">Jennifer Prosperino, CPA,
</font> </b><font size="3" face="Times New Roman">recently admitted
as a shareholder and principal, joined Joel Isaacson & Co., Inc.
in 1997. Her primary focus is providing financial planning, estate,
retirement, tax and investment advisory services. Jennifer has extensive
experience counseling corporate executives and professionals and has
overall responsibility for several of the firm’s corporate financial
planning relationships. Jennifer earned her Bachelor’s Degree in
Accounting at Pace University. She is a Certified Public Accountant
and a member of the American Institute of Certified Public Accountants.</font></td>
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<font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc.</font><font size="3">
are financial planners, investment advisors, portfolio managers. And we
specialize in education planning, tax planning, divorce planning, asset management,
investment planning, financial planning, key employee insurance, investment
consulting, estate planning, risk management, and executive compensation plans.
</font><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co., Inc. </font><font size="3">
may be able to help you with: financial planning, fee-based asset management,
tax planning, retirement planning, risk management and estate planning.</font>
<p><font size="2"><font FACE="Arial" COLOR="#000000">Joel Isaacson & Co.,
Inc. 516 Fifth Avenue New
York, NY 10036<br>
Phone: 212-302-6300 </font>Fax: 212-302-6390 </font></p>
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