Investment Advisory Services. Wealth Management Services. i n v e s t m e n t adv i s o ry & wealt h manag e m e n t services $2,000,000+

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1 i n v e s t m e n t adv i s o ry & wealt h manag e m e n t services Investable Assets $2,000,000+ Next $1,000,000 Next $500,000 Next $250, % 0.50% 0.70% 1.00% Investment Advisory Services The diagram to the left illustrates the investment advisory services offered through a managed account. The fees are based upon your investable assets and include services such as portfolio development and management, asset allocation, and ongoing monitoring. In this model, the services are limited to portfolio design, implementation, and monitoring. S h a r i n g i n E c o n o m i e s o f S c a l e First $250, % Investment Advisory Services Net Worth Wealth Management Services Above $2,500,000+ $3,500 $7,500 $1,000,000 $2,499,000 Below $1,000,000 $1,500 $3,500 $500 $1,500 I n c r e a s e i n S e r v i c e s O f f e r e d 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 ll 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 w e a lt h manag e m e n t services As you strive to grow your personal net worth, the financial challenges you face may become increasingly complex. As a result, each level of net worth requires a different mix of products and services to help you plan for your financial future. Net Worth Fee Above $2,500,000 $3,500 $7,500 $1,000,000 2,499,999 $1,500 $3,500 Below $1,000,000 $500 $1,500 Level 1: Above $2,500,000 Tax management/minimizing transfer tax Wealth transfer planning Health care planning Long-term care review Coordination and integration of financial planning with existing or new financial professionals (i.e., CPA, attorney, etc). Quarterly client planning review in home or office Monthly advisor contact Weekly and monthly market update via real estate review Stock option planning analysis Charitable planning

3 Wealth Management Services continued Level 2: $1,000,000 $2,499,000 Wealth building Tax management strategies Investment tax planning Basic estate review Debt management review Insurance, DI, LTC, and 401(k) review Review plan benefits Salary deferral options Review qualified and nonqualified deferred compensation plans Net worth statement Semiannual client planning review in home or office Monthly advisor contact Level 3: Below $1,000,000 Wealth building Debt management Basic insurance, DI, LTC, and 401(k) review IRA/nondeductible IRA options Net worth statement Annual client planning review in office Semiannual office contact Monthly market update via

4 m e n u of services Planning Service Fee Income planning $2,700 flat rate $1,800 flat rate $1,500 flat rate $1,200 flat rate $750 flat rate $400 flat rate Tax management strategies $750 flat rate Investment tax planning $500 flat rate Basic estate review $600 flat rate 1031 real estate review $450 flat rate Stock option planning analysis $400 flat rate $300 flat rate Charitable planning $1,200 flat rate Coordinated financial planning with associated professionals $150 per hour

5 i n v e s t m e n t adv i s o ry services Our investment advisory services are based upon your investable assets and include services such as portfolio development and management, asset allocation, and ongoing monitoring. Investable Assets Annual Fee First $250, % Next $250, % Next $500, % Next $1,000, % Above $2,000, % Services Provided Review your personal/family needs, goals, and beliefs Determine financial objectives, including time horizon, risk tolerance, and asset allocation Portfolio construction and management Provide investment selection Conflict-free investment advice Access to institutional-quality separately managed accounts and alternative investment products Monitor portfolio on discretionary basis Rebalancing and reallocation Monthly/quarterly reporting and tax reporting Annual portfolio review meeting Online account access