Johnson & Gilliss Wealth Management Group

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1 Johnson & Gilliss Wealth Management Group Engagement Proposal Prepared by: J. Michael Johnson, CLU E. Neil Gilliss, MBA, CFP 107 South 1st Street Richmond, VA Michael Johnson and Neil Gilliss are registered representatives and investment adviser representatives with and offer securities and advisory services through Commonwealth Financial Network, member FINRA/SIPC, a registered investment adviser.

2 JOHNSON & GILLISS WEALTH MANAGEMENT GROUP Vision Statement To significantly increase the wealth of our clients and the level of their understanding, while striving to improve their financial confidence. History Our firm was founded with a mission to provide the best possible financial services. We pride ourselves on our ability to offer guidance on more than investments and insurance. We are comprehensive wealth consultants, focusing on everything from coordinating and managing your retirement income to estate planning. Our client-first philosophy dictates that we develop a customized plan designed to pursue your objectives. Using a team approach that grows out of strategic affiliations with legal and tax professionals, we seek to make your financial goals a reality. Our relationship with Commonwealth Financial Network, one of the most respected independent broker/dealers in the nation, gives us invaluable back office support. Professional Financial Services Team Our well-trained team of specialists can meet all of your wealth management needs. Each team member has an area of expertise. We strive to keep up with the constantly changing financial and insurance industries through extensive continuing education programs. So, you can feel comfortable that all of your financial needs are met by our organization. Our Philosophy Building long-term relationships is our priority at Johnson & Gilliss Wealth Management Group. We start the journey by taking the time to listen to and to understand each of our clients personally. Together, we carefully chart a course to pursue financial success. We believe in using prudent investment strategies. For over 34 years, our clients have looked to us for direction. We are dedicated to guiding and sustaining our clients financial direction. Johnson and Gilliss is an independent wealth management and consulting firm. As independent financial professionals, we have the freedom to provide diverse guidance and insight to our clients. We recognize that each person s situation is different, so we develop a financial plan that focuses on helping you accomplish your personal goals. Accordingly, our approach will be to pursue an in-depth understanding of your financial situation and the personal values you hold as they relate to your investment plan. This approach allows us to forge a strong partnership with you and to assist you as we strive to turn your dreams into reality. As independent financial professionals, we strive to develop, implement, and review a plan that meets your needs and goals even when they change over time. While the markets might be unstable, our service will never falter. Our goal is to pick the best products for your particular circumstances, and to propose cost-effective, taxefficient solutions for all of our clients. Your success is our objective! Service is our top priority. -2-

3 WHAT WE DO As Investment Adviser Representatives of Commonwealth Financial Network, we provide objective financial planning and investment advisory services to our clients. Our firm is independently owned and operated, which means we are not tied to any public company or hierarchy on Wall Street. The following areas are covered through our engagement. Personal Financial Planning Wealth management Portfolio analysis and management Income tax analysis Risk management Estate planning Retirement planning Business Financial Planning Business succession planning Retirement plan analysis and management Executive compensation planning Who we do it for Our client breakdown is as follows: 25% Executives at public corporations 25% Officers and owners of privately held businesses 20% Professionals 15% Retirees 10% Endowments and charitable organizations 5% Widows Why do our clients constantly refer us to their closest friends and family? We have an effective team that communicates with our clients to insure that they are aware of their financial status. As independent advisers we strive to design an objective plan that meets our clients goals, while continually monitoring the plan to assure success. We pride ourselves on assessing and implementing all of the opportunities that are available to our clients. Why should you care? In today s world, it is becoming increasingly difficult to manage one s financial affairs. Consider the following: Globalization Volatile stock markets Changing tax laws Social Security laws Political change Objectivity Mutual funds vs. Stocks vs. ETFs Increasing healthcare Decreasing pension plans We pride ourselves on assessing all of the challenges and opportunities that are offered in today s world. Our clients have significant financial confidence in knowing their financial affairs are managed in the best possible way as they pursue their goals and dreams. -3-

4 OUR TEAM Partners J. Michael Johnson, CLU Financial Consultant E. Neil Gilliss, MBA, CFP Financial Consultant Advisers D. Brent Barcomb, CPA, QPA Retirement Plan Specialist Addison B. Thompson, JD Estate Planning Specialist David Leuschen, AAMS Financial Consultant Noah Greenbaum Paraplanner Our Team Procter Fishburne, MBA Financial Analyst T. Charles Renner Planning Associate Robin Lewis Operations Manager Charlene Harkrader Client Relations Commonwealth Financial Network -4-

5 PARTNER BIOGRAPHIES J. Michael Johnson, CLU Mike has over 35 years of experience as a financial coach. He specializes in Wealth Creation and Planning. Mike has provided specialized business succession planning, lifetime estate planning, and executive benefits planning solutions to small business owners, professionals, and executives throughout the country. Mike's clients include many of the largest family-owned businesses in Virginia. Mike has developed a team of highly professional, dedicated associates to provide his clients with objective guidance, comprehensive financial plans, and consistent service. His knowledge of business and financial planning make him a great asset to his clients, as well as a regular speaker at many financial planning events. Mike received his degree in Business and Economics from Furman University. Currently, he holds the CLU professional designation. He also maintains the Series 6, Series 7, Series 24, Series 63, and Series 65 securities registrations through Commonwealth Financial Network. E. Neil Gilliss, MBA, CFP Neil has over 9 years of experience in the financial industry, with a focus in the area of investments. He has provided comprehensive guidance to his clients on targeting their financial objectives in the areas of business succession planning, estate planning, investment planning, and retirement planning. Neil's financial practice revolves around successful business owners, professionals, and executives in Richmond and on Virginia's Eastern Shore. Neil's primary focus in the practice is investments. He helps the firm's clients develop prudent investment policy statements that clearly define their goals and objectives. Our experience and cutting-edge technology are then used to develop portfolios that help minimize risk while adding a high probability of success. Neil is a CERTIFIED FINANCIAL PLANNER practitioner and has an MBA with a concentration in finance from the University of Richmond. He earned his bachelor's degree in Managerial Economics from Hampden-Sydney College, where he graduated with honors. He is an Investment Adviser Representative of Commonwealth Financial Network where he holds the FINRA Series 6, Series 7, Series 63, and Series 65 securities registrations. Mike and Neil are members of the National Financial Planning Association, the West Richmond Businessmen's Association, the Eastern Shore Chamber of Commerce, and the Greater Richmond Chamber of Commerce. Mike and Neil's practice delivers a customized level of fee-based financial planning that empowers their clients to make sound financial decisions both today and in the future. -5-

6 OUR WEALTH MANAGEMENT PROCESS Intelligent investors often ask, What is your wealth management process? Johnson & Gilliss can provide that answer. There is a system to our practice, and, when managing our clients assets, we adhere to it. Below, you will find a brief overview of our six-step process along with typical meeting times. 1. Establish Client and Financial Consultant Relationships (30-45 minutes) The goal here is to get to know you. We will ask you for relevant financial data, assess your risk tolerance, and determine your financial goals and needs. All future decisions in the Wealth Management process will stem from this information. 2. Gather Data (1-2 hours) We will identify your principal needs and work with you to prioritize both short- and long-term goals. We also gather your important financial information, such as tax returns or investment statements. 3. Analyze Existing Positions (1-2 hours) In an observations meeting, we will assess your current accounts and policies, looking closely for gaps or inconsistencies. 4. Present an Action Plan (1-2 hours) Depending on your situation, we will draft a financial plan that may include an Investment Policy Statement, a thorough retirement income plan, or a detailed action plan. 5. Implement Plan (1-2 hours) At this stage, we will make recommendations regarding all facets of your financial situation. It is important for you to know that you are not obligated to implement any part of your plan with Johnson & Gilliss. We are here to provide objective advice. 6. Ongoing Review and Reporting (Quarterly, determined by client) The final step in the Wealth Management process involves the ongoing monitoring of your portfolio. Should you decide to implement your plan with us, we will ensure that your assets remain diversified and that your objectives stay on track. Diversification does not assure a profit or protect against a loss in declining markets. -6-

7 COMPENSATION As Investment Adviser Representatives of Commonwealth Financial Network, we are paid in three different ways: 1. Financial Planning Fee Net Worth Wealth Management Services Above $3,500,000+ $5,000 $10,000 $2,000,000-$3,499,000 Below $2,000,000 $2,500 $5,000 $750 $2,500 Increase in Services Offered Wealth Management Services As you strive to grow your personal net worth, the financial challenges you face may become increasingly complex. Often, the services you require to address these challenges fall outside the realm of basic portfolio design and ongoing investment management. The diagram to the left illustrates the fee structure for the services offered through financial planning. You will notice that, as your net worth increases, so do the number of services and the time necessary to help you pursue your long-term goals. 2. Implementation of the Plan Asset Management Fee Schedule* <$1,000, % $1,000,001-$2,500, % $2,500,001-$4,000, % $4,000, % *Asset Management Fees are determined on a case by case basis. This is a typical example. 3. Referrals Our business has been built on a referral basis. Most people in the financial services business spend 90% of their time trying to find new clients. We spend the vast majority of our time working for our existing clients. The goodwill of our clients allows us to continue this business model. -7-

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