Press Release

Greenbook Financial Services, Inc., Shields Doctors’ Business Assets with Professionals Retirement StrategySM

Entity Risk Management Initiative Leverages Exempt Asset Classes to Help Clients Dissuade Judgment Creditors, Insure Against Unexpected Life Events and Fund Retirement

May 23, 2005 – SAN DIEGO – Greenbook Financial Services, Inc., today announced the ability to help doctors implement entity risk management initiatives that put nonperforming business assets to work inside creditor-exempt classes, thereby shielding them from liability judgments while simultaneously earning incremental income. Leveraging qualified pension plans and specific life insurance policies, the program also helps doctors fund their retirement and insure themselves, their practices and their families against unexpected life events.

“No financial plan should be considered complete without a healthy dose of asset protection,” said Robert Holcomb, Chief Executive Officer, Greenbook Financial Services. “Doctors have committed too much time, energy and passion to their education and career to unnecessarily expose themselves to creditors. That’s why Greenbook has selected Professionals Retirement Strategy as a premier service provider to deliver this essential risk management initiative.” The patent-pending Professionals Retirement Strategy program assists doctors in accomplishing their goals regarding practice and personal risk management as well as retirement income planning. It protects two of the largest assets in any successful practice—accounts receivable and goodwill—and turns these non-working, noninvestable assets into active resources earning income.

“We start with a thorough review that optimizes the doctor’s business and tax structure, and then create a plan that not only seeks to shield critical assets but also allows them to earn,” said Joel Solomon, Managing Director and CEO, Professionals Retirement Strategy. “Our relationship with Greenbook maximizes our effectiveness in assisting high-income healthcare professionals reach their retirement goals due to the company’s experience with and exclusive focus on doctors’ financial lifecycles.”

Doctors who implement this entity risk management initiative may also benefit from the ability to reduce or eliminate expenses typically associated with traditional liability and medical malpractice insurance policies. In addition, family members will enjoy heightened security for their financial futures due to the substantial death benefit payouts that can be generated through the program’s life insurance policy.

A powerful addition to Greenbook’s integrated financial planning platform, Professionals Retirement Strategy complements a broad stable of risk management and asset protection programs available to doctors nationwide. For example, Greenbook’s affiliation with Medical Justice delivers a program designed to dissuade and/or address frivolous litigation as well as lawsuits of malicious intent.

Greenbook Financial Services, Inc. provides integrated financial planning for healthcare professionals. Greenbook employs a conservative approach committed to regulatory compliance that seeks to avoid losses from inefficient tax planning, uncompensated investment risk and ineffective business structures. The company designs, implements and administers a balanced platform of insurance, pension, asset protection and investment management services to address the unique earning, spending and savings patterns of high-income healthcare professionals. Headquartered in San Diego, Calif., Greenbook serves the medical community through a nationwide network of advisors and corporate offices in Phoenix and Orlando, Fla.

Note: Financial planning and investment management services provided by Greenbook Investment Management, Inc. Greenbook does not offer legal or tax advice and all strategies should be discussed with appropriate legal or tax counsel. Nothing in these materials shall be construed as offering or disseminating specific financial planning, retirement, estate, asset protection, investment, tax, or legal advice to any individual without the benefit of direct and specific consultation with a Greenbook Advisor or any affiliate of Greenbook.