WEALTH MANAGEMENT SHOULD START WITH A CONVERSATION ABOUT YOU

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1 WEALTH MANAGEMENT SHOULD START WITH A CONVERSATION ABOUT YOU YOUR WEALTH MANAGEMENT PROGRAM IS A SERIOUS ENDEAVOR, one that calls for skill, trust, commitment, responsibility, and performance; but mostly, it requires your financial advisor to be able to understand your goals, needs, financial and investment situation, and your reaction to difficult markets. This is why we start each client s wealth management program with a conversation. We know you ve worked hard to build a legacy and accumulate assets, and we know you want the security of knowing that your advisor can offer objectivity with a proven investment program structure. We provide you with the right choices to help guide you toward your financial goals. This brochure facilitates your personal wealth management conversation with us. It gives us a structured way to understand your needs, and a way for you to understand the solutions we can deliver.

2 WHAT ARE YOUR GOALS AND NEEDS? Suc-cess (noun) - 1. The accomplishment of an aim or purpose Your Retirement Children s Education Legacy for Your Children Start a New Business Care for Your Spouse Charitable Contributions Better Lifestyle WE START WITH YOU Every aspect of our wealth management program is built on how we can help you realize your life goals.

3 NEED TO OVERCOME IMPACT OF MARKETS & HUMAN NATURE The Challenge of Investing TOO MUCH OF NEED MORE OF Investment choices Solutions Market information Knowledge Distractions Focus Confusing signals Guidance Emotional pulls Discipline Conflicting advice Relationship

4 YOUR GOALS-BASED PROFESSIONAL TEAM Few great accomplishments are achieved by only one person. This is why we created a team approach for your wealth management program. Clients like you can benefit from the different perspectives, roles, accountability, and areas of expertise that such a team approach provides. Your team s overall composition and operation will be unique, based on your specific goals, needs and preferences. YOU Your team s composition, activities and interaction are guided by your objectives, goals, communication preferences and investment comfort level. You are like the owner of a baseball team, setting the goals and guidelines, and letting your management and players handle the day-to-day activities. YOUR FINANCIAL ADVISOR Your financial advisor assembles and manages your team, based on your goals and objectives. Your advisor is your go to person, who oversees your team s activities. Your advisor is like the general manager of a baseball team, selecting and managing the coach(es) - the portfolio strategist(s). YOUR PORTFOLIO STRATEGIST(S) Your portfolio strategist(s) have day-to-day responsibility for managing your portfolio. They determine the right mix of stocks, bonds and other asset classes, then select investment managers for each type of asset class. Your portfolio strategists are like the coaches on a baseball team.

5 MULTIPLE ASSET CLASSES & MANAGERS FOR YOU We will work with you to determine your investment comfort level. This enables us to create a comfortable mix of investments, designed to help you achieve your goals. TYPES OF STRATEGISTS AND THEIR ASSET ALLOCATION Each portfolio strategist firm used in our program has a team of experts who follow a disciplined process to manage our clients assets on a day-to-day basis. These are institutional firms, conducting their own extensive and sophisticated research and analysis. Strategic Asset Allocation Provides a broad combination of stocks, bonds and other asset classes, with the goal of capturing market returns over a long period of time. This allocation style is viewed as passive, typically making few asset allocation changes, because of its long-term view. Tactical Asset Allocation Provides a combination of stocks, bonds and other asset classes, but is more actively managed than with Strategic Allocation. This is designed to take advantage of short-term market changes. The styles of tactical asset allocation range from conservative to aggressive. Focused Asset Allocation Provides a narrower investment focus. Examples: investing only in bonds; investing only in alternative investments. All investment strategies involve risk, including possible loss of principal invested. There is no assurance that any investment strategy will be successful. Asset allocation and diversification do not ensure a profit or protect against loss in a declining market. Past performance is not a guarantee of future results.

6 OUR KEY PROGRAM FEATURES FOR YOU BECAUSE WE ARE INDEPENDENT FINANCIAL ADVISORS, we can choose from a large number of institutional-quality professional firms, who help us manage your wealth management program. We also have access to highly effective technology and support services, which allow us to focus on you and your goals, needs and preferences. #1. CAREFULLY SELECTED PORTFOLIO STRATEGISTS Our program gives you access to institutional-quality portfolio strategists. We will select for you the appropriate strategist(s), based on your goals, needs and investment preferences. #2. MULTIPLE INVESTMENT MANAGERS & STRATEGIST(S) IN A SINGLE ACCOUNT We make it easier for you to view and understand how your program is working for you, by having all your investment managers and strategist(s) in a single account - called a Unified Managed Account. #3. FLEXIBLITY TO RESPOND TO CLIENT AND MARKET CHANGES Since your goals, needs, financial situation, or investment preferences may change, our program has the flexibility to change your wealth management program so it remains appropriate for you. #4. COMPETITIVE FEE-ONLY PRICING Our wealth management program has a competitively priced percentage-of-assets fee structure. This fee structure assures you that your investment objective remains our top priority. # 5. EASY ACCESS TO ACCOUNT INFORMATION You will receive full online access to your wealth management account information, plus monthly statements and quarterly performance reports. There s only one 1099 tax form each year for your account. #6. AUTOMATIC ACCOUNT CONTINUATION Our operational structure and teamwork approach mean that there won t be any disruption with your wealth management program, even if something unexpected happens with your advisor.

7 OUR CLIENT PARTNERING PROGRAM FOR YOU How We Understand Your Needs & Follow Your Progress I. MUTUAL EVALUATION/ AGREEMENT Through this meeting, you are gaining greater knowledge of us and how we can help you. And, we are gaining a greater understanding of your needs and if we are a great option for you. II. DESIGN & IMPLEMENTATION We design and implement your custom wealth management program, based on your goals, needs, financial situation, and preferences. This is why we start with a conversation. IV. REPORTS & ADJUSTMENTS We will work together to monitor your wealth management program, through full account access and conversations. Changes will be made only when appropriate for you. III. REVIEWS & UPDATES We will review with you how your program is performing, and gauge your response to the markets. And, we need updates from you on any changes with your goals or financial status.

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