1. A Process and Plan for Retirement
June 13, 2013

2. We Promise….
We do things differently
We look beyond the numbers
We promise that you will find that valuable

3. Determine the proper
allocation of investments
Your personal plan will set the “guardrails” for
future investing decisions

4. Quantify your Goals and Risks: The Plan
FOR ILLUSTRATION PURPOSES ONLY. This data is not intended to represent actual or typical results for an individual and is not based upon an actual investment allocation.
Past Performance is no guarantee of future results. The value of investments can fluctuate over time, and loss of principal may occur.

5. Select appropriate
investments
Quantitative Analysis
• Disciplined
• Unbiased
• Broad Universe
Qualitative Research
• Forward Looking
• Competitive Advantage
• Transparency of process
Blend selected
investments to achieve
risk/return profile

6. Portfolio Construction
FOR ILLUSTRATION PURPOSES ONLY. Holdings and returns are not based on actual investments. Supporting documentation is provided when actual allocations are
reviewed with a client to support data within the graph. Past performance is no guarantee of future results. The value of investments can fluctuate over time., and loss of
principal may occur.

7. Implement,
monitor,
Adjust…

8. Your Unique Circumstances are Considered
at Each Step
FOR ILLUSTRATION PURPOSES ONLY. Past performance is no guarantee of future results.

9. Monitor progress
Toward Goals…
By Dedicated Investment
Management Department

10. Track and Understand All Factors Contributing
to Your Performance
FOR ILLUSTRATION PURPOSES ONLY. Source: Morningstar. Supporting documentation is provided when actual allocations are reviewed with a client to support data within
the chart. Past performance is no guarantee of future results. The value of investments can fluctuate over time, and loss of principal may occur.

11. Adjust Investment Plans
as Needs Evolve
Create “What if” scenarios for
changes in clients’ circumstances
Stress test the scenarios under
various market environments

12. Stress Test your Investment Plan
FOR ILLUSTRATION PURPOSES ONLY. Simulation is based on possible outcomes and is not indicative of anticipated results. Actual outcomes will vary by individual.
Changes in assumptions over time may greatly affect the results and results are in no way assured or guaranteed.
This is a hypothetical example intended to show one of the planning tools available. It is not representative of any specific portfolio.
Optimistic Case
Optimistic case (best 5%
of possible outcomes)
$10.4 million left over at
end of life expectancy
Most likely: $1.2 million left over at
end of life expectancy
Pessimistic Case
Pessimistic case (worst 5% of possible outcomes)
Money runs out in 2035 (10 years too soon)

13. We believe clients
find comfort in
understanding the
way we think about
their investments…

14. …We make our process and
communication transparent so
that clients can easily understand
the work we do on their behalf.
”—Dan
Dingus, Director, Portfolio
Management

15. 1. Your portfolio is under full-time management and scrutiny
2. Complete independence allows for fully unbiased
investment management
3.
Our vested interest is purposely aligned to assist clients
reach their goals
4.
We continually steer the portfolio toward its objectives