Source: Mailed Invitation

Location:Nashville, Davidson County, Tennessee

Sponsor:Householder Group

Topic: How Do You Preserve Your Retirement Income?

Speaker: Larry Tolbert,MBA,CEP

Credentials:According to the invitation, Larry Tolbert has over 24 years of experience in tax, investment and estate planning issues affecting retirees. He specializes in retirement distribution rules and asset preservation. He's a Financial Advisor/Regional Vice President of Householder Group, LLLP, a SEC Registered Investment Advisor. Securities are offered through SagePoint Financial, Inc.,

Topics:

-Are you paying excess taxes by using the wrong assets in your IRA?

-Could two major tax law changes adversely affect your estate? Learn strategies designed to help you avoid the pitfalls.

-Would you like to protect your family from the frustration, costs and long delays of probate?

-Can you retire and enjoy a comfortable standard of living in retirement?

-Is your financial strategy paying off at tax time?

-How closely do your current investments match your family's needs and goals?

Meal-I never got a meal.

When the invitation arrived in the mail, it read as follows “Seating is limited so please RSVP and reserveyour seats by calling 1-800-425-6760”. I called and reserved seats for myself and my wife. At the very end of the conversation, the individual who took my phone reservation informed me that I wasn't guaranteed a seat. I won't know if I have seats until I get a call confirming my reservation. It looked that I was on Householder's B list. We'd get to attend their “educational” seminar if not enough of the popular kids showed up.

Householder group never called us to confirm our reservation and never had the courtesy to call us and let us know that we weren't invited to their “educational” dinner seminar. As a result of this fiasco, I shall never again have any dealings with Larry Tolbert or Householder Group.