Value Added Services

Overview

• We don’t take on very many new clients. In fact, we do so only if we can offer the client substantial value for the fee they are paying us.

• Portfolio design is fashioned through the lens of a tax and estate planning perspective, and incorporates legal considerations as needed.

• Focus is placed on properly locating assets within different accounts owned by the same client for tax, legal or estate planning purposes (i.e., “asset location” strategies).

• We are fiercely proactive in our communications and interact on a regular and ongoing basis via telephone, email, video conferencing or in person.

• Our objective is to partner with our clients in identifying and solving their concerns. We do not merely manage investment portfolios in isolation of other real-life factors.

Behavioral Finance

• We believe that the most valuable service an adviser can provide a client is to maintain composure in difficult times.

• Investors can often be their own worst enemies in times of market distress.

• We concentrate on behavioral coaching and spend time getting to know our clients and understanding their needs.

• Our overriding objective is to design a program which eliminates the perceived need to react to market events.

• We want to help our clients overcome the emotional compulsion to make bad decisions at the worst times in the market cycle.

Strategic Portfolio Design

• We believe the key to successful investing is not just to make money in rising markets but also to avoid losing big in down markets.

• Therefore, we manage money to participate in gains but also to try and preserve capital.

• Our goal is to positively impact the lives of our clients and to protect them from adversity and costly mistakes.

• Few advisors are truly capable of helping preserve and grow wealth in a systematic and thoughtful manner. We have established a streamlined process by which we deliver advice to our clients.

• We help clients define their goals, remind them of those goals on a regular basis and help minimize errors in judgment along the way.

No Hidden Agendas

• There are no hidden agendas, no products to sell, and our focus is entirely on what is best for the client, and not for us.

• Transparency and openness about what we do, how we do it and how we get paid is our personal differentiator.

• Our clients value the simplicity of this approach and benefit from the clear and straightforward methods and processes we employ.