WHAT IS YOUR PRIORITY?

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2 MOVE AHEAD The uderlyig priciples of soud ivestmet should ot alter from decade to decade, but the applicatio of these priciples must be adapted to sigificat chages i the fiacial mechaisms ad climate. BENJAMIN GRAHAM

3 WHAT IS YOUR PRIORITY? INVESTMENT DECISIONS ALL THREE ESTATE TRANSITION AHEAD PLANNING FINANCES

4 WHO WE ARE MOVING FORWARD TAKES DIRECTION Frotier Ivestmet Maagemet Compay parters with our cliets to maitai, maage ad maximize their wealth. Utilizig a goal-based process, we work with cliets to address complex estate, fiacial plaig ad ivestmet maagemet challeges. We strive to deliver a persoalized experiece ad solutio to each cliet for all of their fiacial eeds. Frotier ca help you: Balace log-term goals with short-term eeds Build a well-diversified portfolio Pla ad maage your fiaces Esure adequate resources are provided to a family member Explore which tax strategies may be right for your portfolio FIDUCIARY STANDARD Frotier is a SEC-registered advisor that is held to a fiduciary stadard that obligates the firm to put your fiacial iterests ahead of its ow. LEADERSHIP THROUGH EXPERIENCE Fouded i 1994, Frotier Ivestmet Maagemet Compay provides a deeply resourced suite of wealth maagemet solutios. Headquartered i Dallas, we maage assets for idividuals, families ad istitutios. Over the years, the firm has added ew talet ad expertise to meet our cliets eeds for icreasigly complex plaig solutios. EXPANDING FRONTIER The Frotier team today icludes seior professioals with more tha 200 years of combied fiacial idustry experiece. MEET THE PROFESSIONALS PORTFOLIO MANAGEMENT Gary T. Schoe, CFA Pricipal ad ivestmet committee member; fouded the firm i 1994, portfolio maager i charge of core equity, fixed icome ad portfolio strategy. Richard G. Sowde, Jr., CFA Pricipal ad ivestmet committee member; portfolio maager focused o maager selectio, equity research ad portfolio strategy. Joh A. Schmit, JD Ivestmet committee member; portfolio maager for TRS Absolute Value, cocetrates o equity research ad portfolio strategy. FINANCIAL AND ESTATE PLANNING Eric C. Kordsmeier, CFP AEP Director of Fiacial ad Estate Plaig; establishes best practices o techical plaig issues ad leads efforts to cotiually refie our vast array of plaig strategies. Jessica L. Cafferata, JD CFP Seior Fiacial Plaer; facilitates fiacial plaig cotet ad reviews by workig with Frotier advisors ad cliets o our firm s extesive subject matter. RELATIONSHIP MANAGEMENT Advise cliets o a wide variety of wealth maagemet challeges from retiremet plaig ad executive compesatio to asset protectio ad total retur strategies. Bria S. Hattedorf Pricipal Thomas B. Walsh, CFP Maagig Director Brad E. McCokey, CFP Director R. Beto Arold, CFP Director Matthew J. Vetura Director Hery C. Hak Adams Jr. Director Mark D. Griffi Director Todd L. Stephes Director Jeifer B. Smith Director

5 FRONTIER PROFESSIONALS: INVESTMENT MANAGEMENT FINANCIAL PLANNING ESTATE PLANNING FRONTIER AND YOU YOUR OTHER ADVISORS: CPA ATTORNEY TRUSTEE PRIVATE BANKER

6 WHAT WE DO DISCOVER NEW DIRECTIONS Together, we ca explore your fiacial situatio, develop a strategy ad move forward accordig to your ow uique goals. Our etwork of solutio parters icludes professioals i probate avoidace, isurace strategies, estate plaig, tax retur preparatio ad elder law. FRONTIER WEALTH MANAGEMENT SOLUTIONS Ivestmet Maagemet Goals ad costraits aalysis Fiacial Plaig Retiremet accumulatio ad distributio models Estate Plaig Wills ad probate DESTINATION BY DESIGN Optimal asset allocatio Ivestmet solutios Survivor plaig ACCOUNTABLE, TAILORED AND SEAMLESS INVESTMENT MANAGEMENT Three full-time, credetialed professioals with more tha 50 years of cumulative experiece created ad oversee the Frotier Ivestmet Committee. FINANCIAL PLANNING Persoal ad professioal challeges may require cash maagemet, tax strategies, ledig optios ad other fiacial plaig aswers. ESTATE PLANNING Wealth eeds to be evetually trasitioed accordig to a idividual s goals ad objectives. Portfolio strategy, modelig, implemetatio, due diligece ad reportig I-house equity ad fixed icome selectio Outside maager due diligece Macro-orieted alteratives Isurace suitability review Tax plaig Charitable plaig Pesio alteratives Revocable ad irrevocable trusts Family giftig strategies Icapacity plaig Family Limited Parterships ad LLCs Stock optio ad cocetrated positio strategy Educatio plaig ad aalysis Busiess successio plaig Tax-efficiet portfolio maagemet Cash flow maagemet Philathropic plaig See reverse cover for importat disclosure iformatio. By failig to prepare, you are preparig to fail. BENJAMIN FRANKLIN

7 INVESTMENT MANAGEMENT FRONTIER ESTATE PLANNING FINANCIAL PLANNING

8 WHAT WE DO HOW WE WORK INVESTMENT MANAGEMENT Our ivestmet solutios are desiged to serve as a complete portfolio or as a core holdig for a program already uderway. Frotier ca either buy ad sell idividual securities for you or assemble a comprehesive portfolio of ivestmets that address differet plaig challeges. To meet a ivestor s specific eeds, Frotier offers a uique combiatio of i-house portfolio maagemet for core U.S. equity ad fixed-icome securities ad diligetly researched outside maagers for other sectors. MOVE FORWARD, MANAGE RISK At Frotier, we combie our strict valuatio disciplie with macroecoomic oversight to offer you access to a globally diverse mix of ivestmets. Our process seeks to exploit market structure chages i search of improved risk-adjusted returs from a robust bled of securities ad maaged portfolios from across the globe. Frotier s asset allocatio approach focuses o capital preservatio first; ad is grouded i our deep-seated covictio that risk is defied by the price you pay for ay asset. FRONTIER S RIGOROUS PROCESS Each portfolio is keyed to a idividual s persoal tolerace for risk i pursuit of total retur. Your Frotier advisor plays a key role i guidig you toward a comprehesive wealth maagemet solutio that is ogoig, cost-efficiet ad customized accordig to your goals ad objectives. INDEPENDENT INVESTMENT COMMITTEE Offerig a istitutioal level of ivestmet expertise, each member of our three-perso Ivestmet Committee is resposible ad accoutable for specific strategies throughout the firm s exactig decisiomakig process. CHANGING HORIZONS Time ad chagig eeds alter persoal priorities ad fiacial goals for idividuals ad families. That s why Frotier has built its meu of cliet services aroud you, the ivestor. Whe the time arrives to cosider other challeges; from cash flow maagemet ad isurace suitability to wills, trusts, termial aswers ad other trasitio strategies, Frotier has the resources ad capabilities to help you move ahead. Disciplie is the bridge betwee goals ad accomplishmets. JIM ROHN

9 1. ESTABLISH OBJECTIVES 4. MONITOR PROGRESS HOW WE WORK 2. SET STRATEGY 3. IMPLEMENT SOLUTION

10 WHAT WE DO COMPOUND WEALTH REASONABLY Multiple asset classes provide broad exposure to major ivestmet categories. Multiple sectors allow for greater flexibility i makig portfolio adjustmets to suit curret coditios. Multiple moey maagers i the form of third-party maagers, mutual fuds ad maaged accouts offer a added measure of diversificatio. Multiple Asset Classes US stocks US fixed icome Iteratioal stocks Iteratioal bods Short-term/Cash Alteratives Multiple Sectors Core Equity Large Cap Equity Mid Cap Equity Small Cap Equity Muicipal Bods Corporate Bods Mortgage Bods Iteratioal Developed Markets Equity Iteratioal Emergig Markets Equity Iteratioal Developed Markets Bods Iteratioal Emergig Markets Bods Commercial Paper Moey Market Optios Commodities Real Estate Hedge Fuds Private Equity FINANCIAL PLANNING With a well-crafted fiacial pla, you ca ejoy a satisfyig sese that all of the fiscal elemets i your life are movig i the right directio at the same time: That the whole of the strategy is greater tha the sum of the parts. Services iclude: Retiremet accumulatio ad distributio models Ivestmet solutios Isurace suitability review Tax plaig Charitable plaig ESTATE PLANNING Frotier will work with you to evaluate the impact of estate implicatios; as well as prioritize optimal outcomes for a variety of later-i-life scearios, based o a wide variety of family eeds; icludig: Wills ad probate Survivor plaig Revocable ad irrevocable trusts Family giftig strategies durig life or at death Icapacity plaig SHARING YOUR WEALTH Frotier ca also itroduce you to the beefits of Private or Commuity Foudatios, Charitable Remaider Trusts, Door-Advised Fuds or Gift Auities. We ll show you how to make use of your resources i a taxefficiet way to icrease the impact of your altruistic aspiratios.

11 MOVE AHEAD

12 IMPORTANT DISCLOSURE INFORMATION Frotier is either a law firm or accoutig firm, ad o portio of its services should be costrued as legal or accoutig advice. All ivestmet strategies have the potetial for profit or loss. Past performace may ot be idicative of future results. Differet types of ivestmets ivolve varyig degrees of risk. Therefore, it should ot be assumed that future performace of ay specific ivestmet or ivestmet strategy (icludig the ivestmets ad/or ivestmet strategies recommeded ad/or udertake by Frotier Ivestmet Maagemet Compay) will be profitable. Please remember that it remais your resposibility to advise Frotier Ivestmet Maagemet Compay, i writig, if there are ay chages i your persoal/fiacial situatio or ivestmet objectives for the purpose of reviewig/evaluatig/revisig our previous recommedatios ad/or services, if you would like to impose, add, or to modify ay reasoable restrictios to our ivestmet advisory services. A copy of our curret writte disclosure statemet discussig our advisory services ad fees is available upo request. FRONTIER INVESTMENT MANAGEMENT COMPANY 8401 N. CENTRAL EXPRESSWAY SUITE 300 DALLAS, TX PHONE: TOLL FREE: FAX: DALLAS HOUSTON AUSTIN NEW ORLEANS

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