Financial healthcare for your future. Financial. healthcare for. your future.

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1 Financial healthcare for your future. Financial healthcare for your future.

2 We work with independent business owners and senior professionals in healthcare to plan for their families unique financial challenges and opportunities throughout their lives.

3 Our Vision No drug can be brought to market without its required trial phases. No trip should be taken without a map and no family should begin its financial journey, especially across more than one generation, without some sort of comprehensive investment and estate plan. No family plans to fail financially; it s just that most families fail to plan. Our goal is to help your family make a comprehensive investment plan, then guide you through the completion of that plan, Our goal is to develop a comprehensive investment plan, then guide you through that plan. year after year, with your other trusted advisors. 1

4 The Team Charles Charlie R. Huntington, Jr., CRPS Senior Vice President Investment Officer I worked for Prudential Securities and Smith Barney before joining Wells Fargo Advisors in 2009 to co-lead a team focused on personal investments for leaders in the Life Sciences community. Bachelor s degree in both Economics and Spanish from Lake Forest College in Illinois Series 7, 31, and 65 Registrations; Life, Accident and Health Insurance Licenses Chartered Retirement Planning Specialist Accredited Investment Fiduciary We have devoted our careers to understanding and serving in the healthcare industry. We are informed financial advisors. Associations and Activities Co-Founder Greater Philadelphia Pharma in Transition Group Science and Technology Accelerator Chair American Heart Association (AHA) National Investment Subcommittee Chair AHA, ING/Citistreet 401(k) Advisory Board Member Public Relations Chair Pennsylvania Bio Board of Directors Philadelphia Human Resources Planning Society, Chair Friends of Lankenau Institute for Medical Research Assistant Scoutmaster Limerick Troop American Heart Association Distinguished Service Award 2007 Philadelphia Flyers Community Service Award 2008 American Heart Association Advocacy Award National Eagle Scout Association Married to Stacey, with three sons, Rie, Braden and Ben. William Bill Hughes Financial Consultant I perform technical analysis for our team, helping with investment plans and money manager selection. Bachelor s degree in Finance and International Business from Temple University Previously a financial advisor at Smith Barney Worked at Merrill Lynch as a Financial Advisor from Series 7, 31, and 65 Registrations; Life and Health Insurance Licenses Married to Liz, with three sons, Tyler, Liam and Sam. 2

5 Steven Steve G. Kraus Senior Vice President Investment Officer A veteran with more than 22 years experience as a financial advisor, I worked for Prudential Securities and Smith Barney before joining Wells Fargo Advisors in I co-lead our team, which includes supervising the money management and investment planning aspects of our practice, while keeping my focus on helping our clients meet their lifetime goals. MBA from Drexel University and a bachelor s degree in supply chain from Penn State University Park Series 7, 31, and 65 Registrations; Life and Health Insurance Licenses Associations and Activities Member of the Pennsylvania Biotech Association Member of the Waynesborough Country Club Past president of the Waynesborough Homeowners Association Past secretary of the Main Line Power Squadron PADI Divemaster Married to Elisa, with two daughters, Shannah and Lindsay. Melissa Tomasic Senior Registered Client Associate I am the team s primary operations liaison and administrator for client accounts, including transfers, account opening and account maintenance. Series 7, 31, and 66 Registrations We look forward to working with you to design your investment plan. 3

6 How We Do Business Investment planning is often less complicated than most families expect. We start by assessing where you are what you own, what you owe, what you earn, and what expenses you have. Providing for current and future generations requires a thoughtful yet practical approach. The second step is to create a wish list of your hopes and dreams, as well as what you would like to accomplish financially. Next, we see how we can help you reach your financial goals. We form a basic plan and work with you toward its realization. This plan can include strategies to protect against the risk that you may not be around or that you may not physically be able to complete it. Finally, we work up an investment portfolio that complements what you already may have accomplished with other financial advisors, letting your accountant and attorney work out the technical aspects of taxes, wills and trusts. Our process includes five steps: 1. Preliminary phone interview 2. Face-to-face meeting to determine short- and long-term financial goals 3. Development of an Investment Policy Statement, which has four basic purposes: setting realistic objectives, defining the asset allocation policy, establishing management procedures and determining communication methods 4. Implementation of proposed strategy with your team of advisors 5. Periodic reviews, including Financial Physicals, which assess the performance of the plan, taking your family s life changes into account We will update the plan at least annually, or more often if your situation or tax laws change. But we have to resist the temptation to tinker or micromanage it. When you experience the confidence that can come from taking these proactive steps, you will understand the value of having a prudent plan. We look forward to working with you to design your plan. 4

7 Wells Fargo Advisors: A heritage of client service Wells Fargo Advisors is one of the nation s premier financial services firms. Headquartered in St. Louis, it emerged from Wells Fargo & Company s 2009 acquisition of Wachovia Corporation. Wachovia Securities, which traces its roots to 1879, grew over the years by combining with some of the industry s most respected regional and national firms, including the 2007 acquisition of A.G. Edwards. Throughout their histories, Wells Fargo Advisors predecessors were known for exceptional service based on trust and knowledge and for corporate cultures that put client needs above all else. Wells Fargo Advisors is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company, one of the nation s largest and strongest financial institutions. In business since 1852 and named on Fortune magazine s 2012, 2013 and 2014 lists of the World s Most Admired Companies, Wells Fargo is known and respected for its responsible stewardship of its clients assets. Wells Fargo Advisors does not provide legal or tax advice. 3 We are here to help you manage your investments with creativity, innovation and flexibility.

8 Wells Fargo Advisors, LLC 1000 Chesterbrook Blvd. Suite 101 Berwyn, PA (610) phone (610) fax (800) toll free 2015 Wells Fargo Advisors, LLC