Planning for a Sustainable Retirement

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1 Planning for a Sustainable Retirement

2 Investing in You Working together, we endeavor to develop a financial strategy that helps you live the life you have envisioned. Beronio Wealth Planning Solutions is an independent firm dedicated to providing personalized retirement plan strategies for individuals and families across the United States. Backed by more than four decades of financial services experience, we are a father and son team whose focus is helping you invest in yourself for today and tomorrow. Our knowledgeable advisors and support staff take a holistic, collaborative approach to crafting an individualized strategy, leveraging our diverse experience and ongoing commitment to deliver unbiased financial guidance. Our Mission: To help build and preserve your family wealth by evaluating your financial needs and lifestyle goals, and delivering unsurpassed levels of personalized service, professional integrity and unbiased guidance.

3 Aligning a Strategy with Your Life Goals We believe the best strategy to building and preserving wealth, while managing risk, is through keen attention to long-term perspective. Beronio Wealth Planning Solutions places your short- and long-term financial goals in focus, working closely with you to identify your personal needs and values. We then implement and monitor a personalized wealth management strategy aligned with your lifestyle objectives that may include: RISK MANAGEMENT We help you manage risk by determining the appropriate amount of insurance coverage, such as disability income, long-term care and life insurance, to protect your home, health and assets. INCOME AND INVESTMENT PLANNING Together, we analyze your household budget and cash flow, tax situation and investment preferences to help balance your short-term income needs with longer-term goals for asset accumulation. TAX PLANNING Working closely with your tax advisors, we help manage tax liabilities at all stages of your life through a variety of income, gift and estate tax planning strategies. RETIREMENT PLANNING Our retirement planning approach includes both pre- and post-retirement considerations to help you pursue your vision of the future. ESTATE PLANNING We work with your estate attorney to help ensure that mechanisms are established to facilitate the efficient transfer of wealth, while helping manage taxes and maximize benefits to your intended recipients. Our Planning Process is Centered on Your Needs Through a unique life planning process, we work with you to develop a plan that helps you pursue your retirement goals. Each individualized plan begins with careful consideration of your time horizon, investment objectives and comfort with risk. We then leverage our team approach to discovery and planning, along with ongoing personal engagement, to help you stay on track toward your financial goals. A Team Approach We employ a team-based planning approach, which includes a financial planner and financial advisor, to help create your customized strategy and to help ensure effectiveness in the implementation and ongoing monitoring of your plan. Continuous Engagement Because life planning is a process, and not a singular event, we review and revise your financial strategy at least annually, considering any life-changing circumstances, objectives or long-term goals. There are risks and costs to action. But they are far less than the long-range risks of comfortable inaction. ~John F. Kennedy

4 We invite you to talk to us about long-term planning, and discover the value of diversified experience, exceptional personalized service and unbiased financial guidance. The Benefit of Unbiased Professional Advice As an independent firm, Beronio Wealth Planning Solutions has no ties to a corporate parent, investment banking organization or other entity that may present conflicts of interest for you. We have the flexibility to offer access to a wide range of non-proprietary products and services without the obligation to sell any particular investment or brand which means you receive unbiased financial guidance and an assurance that your best interests always come first. INDEPENDENCE POWERED BY LPL FINANCIAL Beronio Wealth Planning Solutions is supported by the resources of LPL Financial, the nation s largest independent broker/dealer.* This relationship provides us with access to unbiased research and a comprehensive array of tools, resources and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer you objective financial guidance and investment recommendations. * As reported by Financial Planning magazine, June , based on total revenue.

5 For more information about Beronio Wealth Planning Solutions and our wide range of financial strategies, call us today at or visit Beronio Wealth Planning Solutions 2601 S. Trimmier Killeen, Texas Phone: Toll-free: Fax: Securities offered through LPL Financial, member FINRA/SIPC.