Welcome To Our Services

Your Path to Financial Freedom Establishing your relationship with Vantage Point Advisors

1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM

Your Path to Financial Freedom
A dynamic process to reach your goals…

5) Manage,
Monitor & Meet 1) Discover

CLIENT + VPA

2) Assess
4) Implement

3) Design
& Deliver Options


Discovering and prioritizing your goals…

When could I/we stop working? | How much can I/we spend in Retirement?

How much can I/we leave family and others? | How much Investment Risk should I/we take?

How much should I/we save?

3

Assessing the sufficiency of…

• Will your investment portfolio meet your long-term goals?

• Is your investment portfolio properly diversified to deliver the
best returns in exchange for the lowest risk?

• Are you paying the right amount of tax using every tax reduction
method available?

• Will your Estate Plan transfer your wealth consistent with your
values and personal objectives both during your lifetime and
after your death?

• Is your Estate Plan structured to leave the maximum amount to
your heirs after taxes?

• Will your Current Risk Exposures be appropriately minimized
or the risks transferred so as to meet your family’s financial
needs in case of the unexpected… death, disability, illness,
lawsuit, personal liability to others and property damage/theft?

• Are your insurance policies structured properly and cost-
effective?

4

Implementing comprehensive services….

Cash & Investment Management
Financial Organization

FINANCIAL Retirement, Education / Goal Planning
Tax Management
MANAGEMENT
Credit / Debt Management Business Retirement Plan Consulting

CLIENT Family Protection -
Life Insurance Needs
Estate Planning
LEGACY RISK
Asset Protection -
PLANNING MANAGEMENT
Gift Planning
Health, LTC,
Disability, P&C
Business
Succession Planning
Business Insurance Needs


Our investment management principles…

• Investment portfolios should reflect investors’ • Successful investing, rather than saving,
long-term GOALS and NEEDS for investment needs more than 10 years time to deliver the
returns expected results
• We diversify investment portfolios to reduce the • Successful investing can mean buying unpopular
risk, recognizing it may also moderate returns in assets and selling popular ones
the short-term
• A large part of an investor’s success comes from
• Being “diversified” means owning different size selecting an appropriate mix of assets and then
companies, with different prospects for growth, sticking with it during difficult times as well as
in different industries. We use asset class good times
distinctions, such as large cap growth or small
• Investors must understand and set realistic
cap value, to assist us in diversifying a portfolio
expectations for their investment portfolio’s returns
• Selecting specific securities is not as important to achieve the best results
to the overall success of an investor’s portfolio
• We believe taxes and expenses matter and,if
as creating the appropriate mix of stocks, bonds,
controlled, can increase returns
REIT’s, alternatives and cash
• Past performance is no indicator of future results

6

Why Work with Vantage Point Advisors?
CLIENT SERVICE CARING FOR OUR CLIENTS
• •
High Client Retention Rate (Over 70% of clients We maintain fiduciary responsibility and
are with us >5 years) reflects Integrity on our clients’ behalf
superior service
• Acting ONLY in clients’ best interests
• “Team Approach” ensures clients’ needs are
• Independence with objectivity - Open ideas and
met at ALL TIMES
choices with multiple platforms to execute
• Educating and coaching our clients to make
sound decisions
COMPETANCE
•
• Fee Only - No hidden costs or commissions
Three CFP® Professionals, including one
attorney on staff

• COMPLETE ADVICE MODEL
Professionals have almost 70 years of combined
professional client service experience and • Prudent - Advice is a PROCESS that uncovers
wealth management expertise client goals, priorities, intent, issues, concerns
and preferences and offers Solutions/Options
(along with their tradeoffs) with the best possible
execution to client
• Dynamic - Proactive and ongoing advice to stay
on track
• Holistic - Addressing and coordinating all
financial matters for our clients

7

Who is Vantage Point Advisors?

Karen McIntyre, CFP®
Simone Derderian, MBA
Terry Siman, JD, CFP® Vice President,
Client Service Associate
Managing Director –
Founder & President
Financial Planning

Rebecca Kay, RPSM
Erik Evans Robert Rastocky
Client Service Associate Client Service Associate
Client Service Associate

Janie Glatt Amy Hensil
Office Manager Executive Assistant


Our wealth advisors…

TERRY J. SIMAN, JD, CFP®
Terry is President and Founder of Vantage Point Advisors. Terry has been a CFP® since 1985, and an attorney since 1977. He
is a member of NAPFA, the professional organization for fee only financial advisors. He is also a past president of the Institute of
Certified Financial Planners, the national professional association.

Over the years, Terry has written numerous articles and been quoted on a variety of financial planning subjects for national
publications, including: The New York Times, The Washington Post, The Philadelphia Inquirer and Daily News, Kiplinger's
Personal Finance Magazine, The Wall Street Journal, Business Week, Investor's Business Daily, Morning Star, Bottom Line
Personal, and THE COMPLEAT LAWYER. He has been a guest commentator on radio and television programs around the
country, including: GOOD MORNING AMERICA SUNDAY, CNNfn (CNN's independent financial network), New Jersey Public
Television, The Nightly Business Report, YOUR FINANCIAL ADVISOR, a nationally syndicated radio program, and the host of a
panel discussion/video presentation called Adding Financial Planning to Your Law Practice. In addition, Terry has given
testimony and written reports as an expert witness in securities matters before the U.S. Securities and Exchange Commission,
New York Stock Exchange, NASD arbitrations, and in Federal Court. Most recently, he testified before the Pennsylvania Attorney
General's Committee for the Protection of Older Pennsylvanians on the subject of Securities Fraud. Terry has taught the High
School Financial Planning Program in Montgomery County, PA, and he was an instructor/mentor for a high school summer intern
program. Awards include Practitioner of the Year, given by the Delaware Valley Society (PA) of the Institute of Certified Financial
Planners, and CITIZEN OF THE WEEK, given by Montgomery Newspapers (PA).


Our wealth advisors…

KAREN B. McINTYRE, CFP®
Karen is Vice President of VPA and is the firm's Managing Director for Financial Planning. She serves as her clients' personal CFO, helping them avoid
frustration, confusion, and worry about financial matters. She has counseled wealthy families since 1993 and specializes in working with women and with
professionals, small business owners, and clients who are newly single due to death or divorce. Karen was chosen by Investment Advisor Magazine to
serve as a board member for the inaugural Wealth Summit National Conference. She has also been a resource to journalists reporting on financial
planning issues and has been quoted in several publications, including US News and World Report, Money Magazine, and the Philadelphia Inquirer.
Karen was accepted as a member of NAPFA, the professional organization for fee only financial advisors. NAPFA members are required to be their clients'
fiduciaries and have an additional educational requisite. She is a long-time member of the Financial Planning Association. Prior to working with VPA, Karen
provided financial and operational consulting services to small business owners. She received her BA in Counseling Psychology from Ithaca College and
earned the CFP® designation from the College for Financial Planning. Karen lives in Chalfont with her husband Bill, a Rita’s Water Ice franchisee, and son
Andrew.


Our Fees for Comprehensive Services
VPA offers new clients two approaches to using our advisory services:
A STAND ALONE ASSESSMENT:
VPA will perform a complete assessment of a client’s finances to determine whether the current use of resources is
consistent with the client’s goals and maximizes their likelihood of reaching their objectives. The fee depends on the
scope of the engagement. Assessments usually take no longer than three months to complete and include a series of
meetings, usually four to five, to present our observations and recommendations.

ONGOING AND CONTINUOUS ADVISOR SERVICES:
Our core service is a complete assessment of a client’s finances to determine whether the current use of resources is
consistent with the client’s goals and maximizes their likelihood of reaching their objectives. The assessment is followed
by specific recommendations and implementation. Also included in our service is unlimited contact on any financial topic.
We manage, monitor and meet with clients on an ongoing basis to increase the likelihood of successful results. Our
annual fee for this service is based on the following schedule, which is part of our SEC ADV form:

MARKET VALUE OF ASSETS ANNUAL FEE
For the first $0 to $2.0 million 1.00%
For the next $3 million 0.75%
For the next $5 million 0.50%
For assets over $10,000,001 negotiable

1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM11

Welcome To Our Services

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