Five Star award winner Shelby J. Rothman <br>CFP®, CPFA, AIF®</br>

EnJoy a Stress-Free Retirement: Discover Your Retirement Joy

At EnJoy Financial, we believe your financial strategy should support more than just numbers on a page — it should help you experience the most joy out of your life. Financial decisions can feel complex, but with a holistic, education-based approach, our team helps you gain clarity and move forward with confidence.

Whether you're preparing for retirement, navigating a transition, or seeking long-term guidance, we work alongside you to create a plan that reflects your goals, values, and vision for the future.

The EnJoy 3-Step Process

1. Acquaint — Understanding What Matters Most
We begin with a open ended conversation to learn about your priorities, lifestyle, and long-term goals. This step helps us understand what “retirement joy” looks like for you and determine whether our approach aligns with the support you’re seeking.

2. Assess — Bringing Clarity to Your Financial Picture
If we decide to move forward, we take a comprehensive look at your financial landscape. This includes reviewing existing accounts, assessing income needs, evaluating risks, considering time horizons, and identifying potential opportunities. Our goal is to help you gain clarity so you can make informed decisions on the steps needed to reach a retirement you can truly enjoy.

3. Achieve — Implementing the Strategy Designed Around You
Once your personalized plan is developed, we help you put your chosen strategies into action. Through ongoing reviews and open communication, we adjust your plan as life evolves helping you stay aligned with your goals and maintain confidence along the way.

Financial Services We Provide

We offer a wide range of services designed to support various aspects of your financial life. Our goal is to provide guidance that is personalized, practical, and guides you through your long-term objectives.

Retirement Income Strategies
We work with clients to develop strategies for creating stress free retirement income, while considering factors such as longevity, inflation, and tax implications.

Investment Management
We help you build an investment approach tailored to your goals and risk tolerance. Our process focuses on diversification, long-term discipline, and alignment with your financial strategy.

Rollovers & Annuity Support
We assist with retirement account rollovers and help evaluate whether annuities may be appropriate for certain circumstances and long-term planning needs.

Tax-Sensitive Planning
We collaborate with tax professionals and review ways to potentially improve tax efficiency within your financial strategy. (Tax advice should always be obtained from a qualified tax professional.)

Estate & Legacy Planning Guidance
We help you organize and align your financial accounts with your legacy goals and can work alongside estate attorneys to provide a coordinated planning experience. Our aim is to transition your estate to your heirs in the easiest and most tax-efficient way possible.

Long-Term Care & Protection Strategies
We explore different protection options and help evaluate solutions designed to address potential long-term care or unexpected healthcare needs.

Through our partnership with Cambridge Investment Research, Inc., we have access to an extensive suite of tools, resources, and investment platforms that support the planning process.

Why Clients Work With EnJoy Financial

Clients value our approach because it provides:

- Holistic, relationship-focused guidance
- Clarity around complex financial topics
- Confidence in the decision-making process
- A supportive, educational environment
- A strategy aligned with their goals and lifestyle
- A commitment to helping them EnJoy the moments that matter most

Our goal is to ensure you feel informed and empowered in your financial decisions, free from pressure or assumptions, so you can EnJoy the life you envision.

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This award was issued on 12/01/2025 by Five Star Professional (FSP) for the time period 02/12/2025 through 08/01/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 4648 Los Angeles-area wealth managers were considered for the award; 151 (3 % of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 4,745, 163, 3%, 12/1/24, 2/13/24 - 8/30/24; 2024: 4,527, 158, 3%, 12/1/23, 2/13/23 - 8/31/23; 2023: 3,629, 155, 4%, 12/1/22, 3/28/22 - 9/23/22; 2022: 3781, 150, 4%, 12/1/21, 3/29/21 - 10/1/21; 2021: 3,574, 168, 5%, 12/1/20, 3/30/20 - 10/9/20; 2020: 3527, 158, 4%, 12/1/19, 3/1/19 - 10/25/19; 2019: 3528, 154, 4%, 12/1/18, 3/26/18 - 10/16/18; 2018: 2708, 154, 6%, 12/1/17, 3/23/17 - 10/13/17; 2017: 2351, 287, 12%, 11/1/16, 2/25/16 - 10/24/16; 2016: 2374, 298, 13%, 11/1/15, 5/22/15 - 10/16/15; 2015: 3105, 327, 11%, 12/1/14, 5/22/14 - 10/16/14; 2014: 6088, 340, 6%, 12/1/13, 5/22/13 - 10/16/13; 2013: 3488, 372, 11%, 12/1/12, 5/22/12 - 10/16/12; 2012: 1019, 176, 17%, 11/1/11, 5/22/11 - 10/16/11.

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Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. EnJoy Financial and Cambridge are not affiliated. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Fixed insurance offered through various, independent insurance companies.

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.