The Duff Team. Your Family CFO



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The Duff Team Your Family CFO

Duff Team Member Locations ARIZONA Jefferson City MISSOURI St. Louis Phoenix

Estate Planning Financial Independence What is a Family CFO? What is a Family CFO? Investment Strategy Tax Planning Serving as your advocate Risk Management Company Retirement Plans As Family CFOs, we coordinate the financial affairs of successful families and institutions just as a Chief Financial Officer does for a corporation. Our attention to detail and technical expertise helps us provide a depth of personalized, conflict-free advice on a range of financial issues. We deliver all of this through a comprehensive service model that has a single objective; to help you achieve your financial goals. Money Management Concentrated Stock Education Funding

Why Moneta? We are proud to be part of Moneta Group and its rich history dating back to 1869. Consistently ranked among the largest independent investment advisors in the country, our firm serves families and businesses nationwide. In the changing landscape of the financial services industry, Moneta Group stands out from the crowd due to our: Fiduciary Standard - We embrace our fiduciary responsibility to work only in the best interests of our clients. Suitability is not enough. Expertise - We pursue professional designations and continuing education opportunities to ensure we deliver the quality of advice clients expect and deserve. Resources - Support from Moneta s talented management team and professional staff allows our focus to stay where it belongs: on you and your family. Independence - Moneta Group is owned entirely by its Principals, so we answer only to our clients, not outside shareholders. We are 100% aligned with your success. Objectivity - We work on a fee basis and receive no compensation from investments, allowing us to recommend only the products and services that provide the best solutions for you.

Moneta Group Awards and Accolades Ranked 6th on Top RIAs List, Financial Advisor Magazine, 2015 Top Workplace, St. Louis Post-Dispatch, 2015 Top Financial Advisers, Financial Times, 2015 Best Places to Work, St. Louis Business Journal, 2015 Best Financial Adviser - Missouri, Alternative Investment Awards, 2015 Top 100 Retirement Plan Advisers, PlanAdviser Magazine, 2015 Top Workplace, St. Louis Post-Dispatch, 2014 Ethics Award, St. Louis Post-Dispatch, 2014 Top 4 Trusted Advisors, National Advisors Trust, 2014 Top 5 RIAs in Country, Financial Advisor Magazine, 2014 Top 300 Financial Advisors, Financial Times Magazine, 2014 Best Wealth Advisor, Ladue News Platinum Awards, 2014 Best in Customer Service, Small Business Monthly, 2014 Best for Family CFO Services in USA, Wealth & Finance INTL, 2014 Family Office of the Year in Missouri, Wealth & Finance INTL, 2014

Our Promise We thrive on managing the complexities of your financial affairs to give you the freedom to live the life you have worked tirelessly to achieve. We are committed to creating and maintaining the high level of trust necessary for enduring, multi-generational relationships and intend to be here for you, your children and your children s children. Throughout our collaborative relationship, you can expect to: Be cared for and feel valued and important Have confidence in our knowledge and expertise Experience our commitment to your financial security Partner with us in pursuing your goals with a concrete, well-planned financial strategy Have us serve as an impartial sounding board and facilitator for family financial meetings Receive clear advice and related action items through our regular meetings Get to know our team personally and trust we will respond to your needs in a timely manner

About the Duff Team With more than 35 years of experience, it is with a seasoned perspective that Pat Duff and Kelli Jones approach comprehensive financial planning for their clients. Pat believes that having witnessed major financial events throughout his career, gives the team a unique view and understanding of preparation and discipline. They bring to every client relationship the benefit of this experience, tailoring their approach to create a plan that helps clients progress toward their goals. In addition to this experience and professional know-how, the Duff Team sets themselves apart with the unique dynamic of their team. Supported by four Client Service Managers, the Duff Team remains seamlessly connected when providing support to their clients, all while working in three different cities and two different time zones. The majority of the team is located at Moneta Group's headquarters in Clayton, Missouri, however, both Professional Consultant, Kelli Jones, and Senior Client Service Manager, Samriti Dhingra work outside of the St. Louis area. Although non-traditional, having team members in different areas of the United States allows for a greater reach to those who need their expert financial guidance, and with the help of today's technology, they can collaborate and consistently provide the 'Raving Fan' service that clients expect and deserve. We are passionate about what we do We deliver Raving Fan service We act only in our clients best interests

Meet the Duff Team Patrick C. Duff, Principal & Family CFO Patrick C. Duff Principal & Family CFO (314)244-3295 / pduff@monetagroup.com Moneta Group Principal Patrick Duff earned his B.S. in Business from University of Missouri Columbia in 1981. Prior to joining Moneta Group in 1994, Pat spent ten years working for the IBM Corporation in corporate marketing and finance. Kelli A. Jones, Sr. Consultant & Family CFO As Family CFO, Pat strives to earn clients trust by always acting in their best interest and helping them make decisions that will allow them to exceed their financial goals. The Duff Team approaches their work with the goal of exceeding client expectations. Their team mission is to go above and beyond for every client and provide families with extraordinary service. Samriti Dhingra, Sr. Client Service Mgr. Kelli A. Jones, MAcc, CPA, CFP Senior Consultant & Family CFO (314)244-3363 / kjones@monetagroup.com Lisa R. Patton Sr. Client Service Mgr. Kelli Jones, Senior Consultant on the Duff Team earned both her B.S. in Accountancy and Master in Accountancy from University of Missouri Columbia. Prior to joining Moneta, she worked at Arthur Andersen. Attracted to the client-centered, team approach at Moneta, she joined the Duff Team as a Professional Consultant in 2002. B. Elizabeth Hall Sr. Client Service Mgr. When working with the Duff Team, Kelli draws from multiple backgrounds and areas of expertise to offer the best tools and exceptional service. She strives to develop a partnership with her clients to achieve a common goal - the goal defined by the clients. Kelli, who resides in Jefferson City, Missouri, was recognized with Jefferson City Magazine s Ones to Watch Award in 2014, and as a FIVE STAR Wealth Manager annually since 2012. Kassi J. Littlepage Client Service Manager Although based in Jefferson City, Kelli frequently visits her team in Clayton, Missouri and enjoys having the opportunity to meet with clients personally.

Samriti Dhingra, CFP Senior Client Service Manager (314)244-3217 / sdhingra@monetagroup.com Like all members of the Duff Team, Senior Client Service Manager, Samriti Dhingra, brings a unique skillset to her team s efforts in providing Raving Fan service to their clients. For Samriti, it is her deep understanding of different cultures and international business, which stems from having lived in many different environments such as Kuwait, Saudi Arabia, Canada, India, and the United Kingdom. She received her Master s degree in International Banking and Finance from Sheffield Hallam University in the UK, and joined the Duff Team at Moneta Group in 2007. Samriti is currently based in Phoenix, Arizona. Lisa R. Patton Senior Client Service Manager (314)244-3321 / lpatton@monetagroup.com Lisa Patton earned her Bachelor s degree in Business Administration from Southern Illinois University Edwardsville, and joined the Duff Team in 2003. In addition to her role as Senior Client Service Manager, Lisa supports her team s efforts to deliver Raving Fan service to their clients as Operations Manager, ensuring that the Duff Team is staying current on industry best practices while continually adapting to each client s unique needs. B. Elizabeth Hall Senior Client Service Manager (314)244-3265 / bhall@monetagroup.com Beth Hall received her Bachelor s degree in Business Administration from University of Missouri St. Louis, with a special emphasis in Personal Financial Planning. She also holds an Administrative Assistant designation from Hickey College, which is largely beneficial in the work she does coordinating and introducing new resources to the team to better serve their clients. In her role as a Senior Client Service Manager, Beth specializes in technology implementation, and keeps her team on top of the changing trends in information management. Beth joined the Duff Team in 2009. Kassi J. Littlepage Client Service Manager (314)244-3427 / klittlepage@monetagroup.com Before joining the Duff Team in 2014 as a Client Service Manager, Kassi Littlepage earned her Bachelor s degree in Actuarial Science from Georgia State University. Well groomed in the financial services and insurance industries, Kassi is an integral member of the team as she assists clients with any administrative needs, from the very first meeting and throughout their relationship with the Duff Team.

Initial Interview Discuss Goals & Financial Assessment Financial Action Plan Plan Implementation Ongoing Review & Reassessment Our Planning Process Using an established process, we explore your family s unique financial situation and focus on what matters most to your future. We reflect on your goals and develop tailored solutions to help you attain them. The end result is a comprehensive plan for your financial future tied directly to your family s objectives with an ongoing commitment to implementation and monitoring as your circumstances change.

Documents We believe it is essential to review all aspects of your family s financial situation, because decisions you make in one area can often impact your goals in another. In order to provide the most comprehensive Financial Action Plan for your family, it would be helpful for you to provide us with the following information as it applies: Tax returns Investment statements Bank account balances Estate document copies (will, trust, power of attorney, etc.) Insurance document copies (life, long-term care, disability, etc.) Company benefits information (pension, stock plans, retirement accounts, etc.) Pension and Social Security projections Mortgage balance and terms

Moneta Group Investment Advisors, LLC 100 S. Brentwood Boulevard, Suite 500 Clayton, Missouri 63105 monetagroup.com/duff Phone: (314) 726-2300 Fax: (314) 244-3464 Unique Clients; Unique Strategies