Bill Messner Contrarian Investment Advisory, LLC

Stop lending bankrupt governments your capital! Time to sell ALL government debt to include Federal, State,

local municipalities and quasi-government sanitation authorities and infrastructure. Do you own County, school district or City/Township pension or general obligation (GO) bonds? If so, contact Bill to explain divesture options.

Regional Banks are getting clubbed like a baby seal. Banks are collapsing, what is YOUR exposure?

Do you understand if your bank is marking bonds to maturity, then they are marking the bond to fantasy = Insolvent?!

What is your bank's Tier I capital ratio? Don't guess, call me today!

401(k) plan administrator or participant? Unsure if your plan is ERISA compliant or if you have the proper asset allocation for your needs? Bill's firm provides second opinions to both the company and individuals.

No matter what industry or sector you work in, act now to reallocate your pension plan with the

Personal Retirement Plan consulting service.

If you STILL trust the FDIC for certificate of deposits (CDs) call us for daily rates as of 1/9/24, as a generic bank is offering 1 month maturity @ 5.15% or 5.26% APY.

THE REASON FOR YOUR ADVANTAGE IS MY Contrarian APPROACH.

It's time to think outside of the box about your finances as 5000 years of monetary history is OPPOSITE of your current assumptions and expectations.

Currency, bond, real estate and stock markets COLLAPSE, are YOU Ready?

Consider transferring some of your assets to me now and let me earn the rest. Bill Messner, MBA

CONTRARIAN [ kuh n-trair-ee-uh n ]

1. A investment advisor who takes an opposing view, especially one who rejects the majority opinion, as in economic matters and who takes a contrary position or attitude specifically : an investor who buys assets when most others are selling and sells when others are buying.

2. Influenced by Hans Senholz (Grove City College) via Ludwig Von Mises' Austrian Economics while understanding that ALL paper fiat currencies have collapsed throughout history unless backed by gold.

3. Understanding that prices going up are the SYMPTOMS of the DISEASE of unlimited units of debt ($US Federal Reserve NOTES) decreasing in value and the velocity (rate of spending) of those worthless computer/paper notes circulating around the economy like a hot potato.

What To Expect When Working With Me

Institutions*Trusts

Foundations*Businesses

Individuals*Governments

Minimum Investable Assets Required

Fiduciary & Fee-only

I am required to act in your best interest and am compensated ONLY by you the investor. If there is a conflict of interest, I must disclose it to the investor.

Continuous Change

Often a client has a high amount of cash in their portfolio due to no appropriate investable options. Shorting an asset class or index is possible.

Speedy Implementation

I manage your portfolio in a full discretion and supervisory manner.

Wealth Planning

I often work with your attorney, CPA and Trustee to ensure maximum tax efficiency and holistic solution implementation.

In accordance with rule 204-3 of the Investment Advisers Act of 1940, we are obliged to offer our clients a copy of our Form ADV Part 2A each year. If you would like to receive a copy of our current ADV Part 2A, we will be pleased to provide a copy upon your request. Please forward your written request to: Compliance, Bill Messner Contrarian Investment Advisory, LLC. Additional information on the strategies and securities in this report is available upon request. This report is based on data obtained from sources we believe to be reliable. Bill Messner Contrarian Investment Advisory, LLC does not, nor any other party, guarantee the accuracy or completeness of this report or make warranties regarding results obtained from its usage. All opinions and estimates included in this report constitute the firm's judgment as of the date of this report and are subject to change without notice. This report is for informational purposes only and is not intended as an offer or solicitation to buy or sell securities herein mentioned. Bill Messner Contrarian Investment Advisory, LLC and/or its officers and employees may from time to time acquire, hold, or sell a position in the securities mentioned herein. Upon request, Bill Messner Contrarian Investment Advisory, LLC will be pleased to disclose specific information on such positions or transactions. Phone: 724.944.8227.

Bill Messner, MBA

Portfolio Manager

Deploying capital is patience intensive. Your broker in the past probably bought all holdings in a very short period because she was paid by what you bought or sold. With me, the fee-only increases in dollar terms as your portfolio increases. Rarely in a model portfolio, you may be market neutral, short indexes or long currencies all at once with cash on the sidelines waiting to be deployed.

My process

I know that change can be stressful, so I am confident that if an investor transfers some of their portfolio to me, then I will earn the rest over time.

Markets continuously change, so will your investments and estate planning. You will not experience, "set it and forget it" or "it's a great time to buy" as your commissioned broker may have told you in the past.

FAQs

Can you mange my 401(k) or pension at work? Yes

Do you offer hourly consultation for a second opinion? Yes, I am fee-only, not a commissioned salesperson.

Do you offer company employee education as part of an EAP? Yes

Why do you review estate planning needs? Due to complex changes in life and the laws.

Do you advise on when to take Social Security or if to rollover/take an annuity from my defined benefit plan? Yes

Do you________? Let's talk about the breadth and scope of your need(s) and questions?

If you prefer to work with me on a retainer, that option is available to address your entire financial picture continuously.

Consultation

Before the initial meeting, you will be asked to provide some basic information pertaining to your known goals and assets under consideration. I will provide a copy of our ADV Part 2A. A copy of the consulting and asset management agreement will also be provided.

Presentation

After the initial fact gathering is complete, the proposal is presented for consideration in a few weeks thereafter.

Transition

Account transfer paperwork and other administrative items are then completed. Often a client has holdings at another firm that we transfer in-kind (as is) so that no capital gains are incurred and identify that the holding may be potentially worth holding.

Transfer

Accounts are transferred or funded by the investor with required minimum distributions identified, ACH and other automatic options created for the account.

Monthly Updates

Investors will receive monthly statements and have access to view their accounts online.

Periodic Reviews

As needed, scheduled meetings to review the past and change of life solutions are available via in-person or electronic.

Why Contrarian? 30 years of studying Austrian Economics

It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.

Henry Ford

“This [Federal Reserve Act] establishes the most gigantic trust on earth. When the President (Woodrow Wilson) signs this bill, the invisible government of the monetary power will be legalized....the worst legislative crime of the ages is perpetrated by this banking and currency bill.”

― Charles A. Lindbergh Sr., Lindbergh On the Federal Reserve - The Economic Pinch

"If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered.... I believe that banking institutions are more dangerous to our liberties than standing armies.... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs."

Thomas Jefferson