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At BFS Financial Inc., what distinguishes our service is our personal emphasis. It is built around you and
your goals, your time frame and your tolerance for risk. As your needs change, our ongoing management
process ensures that your assets evolve with you. We employ a disciplined process that sophisticated
institutional investors have utilized for decades to help manage assets.

The result is a well-tuned asset management process designed to respond
to your individual needs while also responding to the dynamics of the markets.



                                                            We aim for:

                               Understanding your long term goals and objectives
                               Determining your tolerance for risk
                               Establishing a formal asset allocation strategy
                               Diversifying across asset classes
                               Reporting back to you on a frequent basis

At BFS Financial Inc., we assist you with navigating the world of
wealth creation, accumulation, distribution and management. We
are dedicated to understanding your needs and achieving your financial
goals by offering quality advice and opportunities and by providing superior service.

Your goals and objectives guide us as we take the helm of your wealth management strategies. Our
comprehensive and integrated approach to planning, investment advice and risk management help you to
fully understand the issues and make informed decisions with which you are comfortable. We present the
options, you make the choices.

With over 20 years in the financial service industry, we have the experience and expertise to manage your
money efficiently and effectively. We have offices in 9 major cities throughout Florida to better serve you:

               Boca Raton        Ft. Lauderdale         Jacksonville        Miami       Naples

                         Orlando        Sarasota        Tampa        West Palm Beach


              Call us today for more information at 1-800-650-6244 toll free.

U.S. Financial Markets

BFS Financial Inc. - Tampa, Florida

Securities offered through G. Bettingen Securities

Member FINRA/SIPC

BFS Financial Inc.
"Helping You Plan For Tomorrow...Today" Since 1988