This is how we support the accomplishment of your goals and the fulfillment of your values.

1. "Financial Life Planner" so That Your Money Supports Your Long-Term Goals

A complete and thorough annual update of your "Financial Life Planner" (focuses on your values, goals, and benchmarking of progress)

Annual Financial Plan Creation and Update includes:

• Updated Retirement Projections
• Written Plan for Cash Reserves
• Written Plan for each goal
• Written Plan for estate issues
• Written Plan for the right kinds and amounts of all insurance

2. Implementation Plan to Stay On-Track

Delivery of your updated Implementation Plan. This annual summary of your financial plan lists chronologically the action steps required to create the greatest probability that you will stay on-track with your financial plan over the years.

3. Progress Reporting to Keep You Up-to-Date

Delivery of a progress report 3 times a year. This simple, understandable summary of your assets is designed to show you the progress you are making benchmarked against the goals you have set for yourself.

4. Rebalancing Your Growth Assets

This discussion is to give you the "big picture" about your total asset allocation for your entire portfolio and any needed rebalancing as prescribed in your Investment Policy Statement. We'll take care of all of your investments so that you will have the convenience of getting only one set of statements.

5. Income Tax Planning

During the last two months of each year we conduct proactive income tax planning for your investment accounts held with us with two objectives in mind:

• To seek ways to reduce capital gains taxes
• To verify, if applicable that proper Required Minimum Distributions have been taken from retirement accounts.

6. General Consulting Availability

We will be available for consultation either in person or by telephone at no additional charge to research specific financial areas, beyond the normal scope of your plan, not to exceed three hours. (Not an "on call" 24/7, but for important issues you need assistance with.)

7. Keeping a Current Estate Plan

Once every five years we will review and update your Estate Plan with the objective of establishing a plan for your money to make it into the next generation and beyond.

Also, we will create a structure that is designed to bring your heirs closer together, as opposed to many Estate Plans which create animosity and conflicts about the money after you're gone.

8. Checking-in with Your Goals

We commit to contacting you proactively prior to every goal date you have established to give you the "game plan" for the accomplishment of each of your goals.

9. Effective Cash and Debt Management

We work with you to establish adequate cash reserves to handle financial issues that come up in life. This involves establishing a debt elimination plan as well as major purchase assistance.

For example, when it's time to buy a car, we want to help you find the smartest way to pay for it. Buying or refinancing a house or any other major purchase would trigger additional help from us.

10. Insurance Review to Meet your Needs

We review every kind of insurance and recommend the right types and amounts of insurance. We make sure there are no "coverage gaps" which might endanger the financial plan. We see what, if anything, can be done to reduce your premiums.