Investments & Insurance ^top

Investment Options

ESL Investment Services, LLC makes available a full range of quality investment products including mutual funds and fixed and variable annuities. Before recommending any investment, we make sure it meets your financial goals and is consistent with your tolerance for risk. In addition to a prospectus, our Financial Consultants provide you with an overview of market, inflation, and credit risks that can affect your investment. You also can transfer existing investments to your account at ESL Investment Services, LLC.

Investors should consider the investment objectives, risks, charges, and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. Read the prospectus carefully before investing.

Insurance Options

Consider Term Life Insurance to assure financial security for your family when you're not here. Or, you may prefer permanent life insurance: Variable, Universal, or Whole Life Insurance.

If you're concerned about asset protection and control over where you receive health care, then Long Term Health Care Insurance may be right for you.

Request a no-obligation consultation, or call 585.339.4475 or 800.814.5884.

ESL INVESTMENT SERVICES, LLC Privacy Policy and Business Continuity Statement

Building Your Financial Future ^top

To meet your goals, you need discipline and focus. At ESL Investment Services, LLC, we recognize that every investor's needs are different. However, in developing personal investment strategies, we follow a comprehensive, thorough four-step process that forms the foundation of your investment plan.

• Develop a personal investor profile that reviews your needs, current income, assets and other relevant financial information.
• Develop an investment strategy that includes your goals, time horizon, and risk tolerance.
• Review investment options with you and answer all questions prior to implementing your investment strategy.
• Discuss periodic adjustments to your strategy to keep your strategy effective and current as your needs change.

Begin planning for your retirement today. Call ESL Investment Services, LLC, at 585.339.4475 or 800.814.5884. Or stop by an ESL branch near you and schedule an appointment with a Financial Consultant.

Strategic Asset Management ^top

Using LPL's Strategic Asset Management approach, ESL Financial Consultants can design a portfolio that consolidates all of your investments into one personalized, comprehensive package. Based on your specific input, we will create an asset allocated portfolio that is invested in a manner consistent with your objectives and tolerance for risk. Based on unbiased, independent analytical tools, it will contain only those asset classes that appear best suited to meet your investment objectives. Moving forward, we will review your portfolio periodically to rebalance assets as the value of your portfolio changes, investments mature, your goals are revised, or as market conditions dictate. This assures that your investments continue to be allocated in strict accordance with your financial objectives.

If you want to learn more about the features of LPL's Strategic Asset Management, call ESL Investment Services, LLC, at 585.339.4475 or 800.814.5884. Or stop by an ESL branch near you and schedule an appointment with a Financial Consultant.

Advisory Services offered through through LPL, Member FINRA/SIPC

• For more information about the FINRA, visit their website at www.finra.org
• For more information about the SIPC, visit their website at www.sipc.org