At Crescendo Wealth Advisors, they regard investment management as both an art and a science. They build customized investment strategies for clients by first understanding each client's unique goals, risk tolerance, and financial situation. Their strategies utilize strategic asset allocation across different asset classes and securities in order to reduce risk and increase the likelihood of achieving the client's investment objectives. They distinguish themselves from other firms by being an independent, fee-based advisor without conflicts of interest from proprietary products or commissions.

1. OUR ADVANTAGE
At Crecendo Wealth Advisors, we regard investment
management as both an art and a science.

3. Table of contents
2 MESSAGE FROM OUR FOUNDER
Thank you for taking the time to learn more about
Cresendo Wealth Advisors.
3 ABOUT US
Who We Are. What We Do. How We Can Help.
4 OUR V ISION
Mission & Values that guide us to guide you.
6 A FOCUS ON REL ATIONSHIPS
& GOALS
Listen & Learn. It’s how we bring the most to our clients.
8 INVESTMENT MANAGEMENT AS
AN ART AND SCIENCE
Building a strategy that makes sense.
10 OUR COMPETITI VE ADVANTAGE
What makes Cresendo Wealth Advisors different?
13 CONTACT & LOCATIONS

4. Welcome message
from our founder
T
CresCendo wealth advisors. The major financial
hank you for wanting to learn more about
institutions have lost their way. Proprietary trading, high frequency trading against
clients and providing investment ideas with inherent conflicts of interests have become
the standard at the major investment banks and wire house firms. Investors are increas-
ingly seeking truly objective advice with a real global perspective. Since the most recent
market meltdown seismic changes in the financial markets have highlighted the need for
objective, ethical advice from credentialed investment professionals as opposed to merely
salesmen. Crescendo Wealth Advisors is a registered investment advisory firm dedicated
to providing clients with independent investment advice with a real global perspective.
I chose to walk away from the old business model at traditional large wire house and
broker dealer firms which I believe have strayed away from their mission of helping their
clients reach their long term financial goals. The investment banks’ increasing reliance
on making risky investments to boost their own profits and share prices highlighted the
need for me to spread my wings and start an independent platform that was more aligned
with my philosophy of objective advice matched with a long term perspective on investing.
Our process begins with an in depth questionnaire to get to know you on a deeper level, we
then seek global solutions that transcend time zones to reap the best investment oppor-
tunities for our clients. As a privately held firm we answer only to our clients and seek
to avoid the inherent conflict of interest that exists within the larger brokerage firms
that provide investment advice charging clients varying commissions depending upon the
specific investment product. Crescendo Wealth Advisors representatives are not commis-
sion based salesmen but annual “wrap” fee based advisors that manage your account on a
discretionary basis based on the client’s risk tolerance. Therefore our clients experience
every day the benefits of receiving investment ideas from an advisor that operates as a
fiduciary as opposed to paying a broker commissions for a transaction. The result is invest-
ment advice from an advisor that is traditionally motivated by more long term objectives.
So whether you're looking for investment strategies, retirement income, funding for your
child's education, or estate or tax planning strategies, we'll work with you on your terms.
My vision was to create a global platform for investors to gain access to both insightful,
objective advice matched with investment solutions that grow with time. Wealth is built in
increasing measure with time. I call it the Crescendo effect.
Jean-Robert (J.R.) Latortue
AAMS®, AWMA®
Founder/Sr. Managing Director
2/3

5. ABOUT US
C
rescendo Wealth advisors specializes in establishing very close
relationships with our clients. The world is shrinking and inves-
tors are looking to have their investments managed on a global basis
with a global perspective. Having partners with offices throughout
the globe means bringing the investment opportunities to our clients
wherever they may be. Crescendo Wealth Advisors investment solu-
tions bridge time zones and transcend national boundaries bringing
the investor closer to markets around the globe. Crescendo Wealth
Advisors investment advisor representatives build customized solu-
tions for our clients. They work closely with the client to under-
stand their objectives and then strive to exceed their expectations.
The most important distinguishing characteristic of Crescendo Wealth
Advisors is our independence which positions us to be solely focused on
our clients and finding global solutions for their needs. Our clients are
looking for an independent firm that can offer a global perspective and
presence without conflicts of interests. As an independent firm with
a truly global perspective we are able to be closer to our clients and
closer to the investment opportunities.

6. OUR VISION.
MISSION & VALUES.
Our vision is to become a customer’s first choice provider of objective, quality financial solutions
to global investors while delivering superb service and value in all markets in which we operate.
OUR MISSION OUR VALUES
• CREATE, develop & retain our • The belief that financial secu-
client customer base globally. rity and stewardship should be
attainable by all and not solely
• PROVIDE attractive, sustainable reserved for the privileged.
returns to the clients that we
serve despite market conditions. • Fairness & ethical behavior.
• BUILD excellent relationships • The positive use of diversity and
with our research and investment a full acceptance of others.
management partners.
• Our dedication to independence,
• BE the investment advisory firm openness & transparency.
employer of choice for qual-
ity financial professionals that • A dedication to customer service.
adhere to our principles.
• Build lasting and enduring part-
• CREATE new opportunities nerships with our clients who use
through entrepreneurial energy our services as an extension of
that inspire others. their own resources.
• CONTRIBUTE positively and act in • Recognition of excellence and the
a way that benefits the communi- professional development of all
ties that we serve. our representatives.
4/5

7. STRATEGIC ASSET
ALLOCATION.
The first step in helping you meet your financial goals.

8. OUR ADVISORS
FOCUS ON RELATIONSHIPS
Crescendo Wealth Advisors provides a
disciplined process that identifies your
unique investment goals, and estab-
lishes a personalized investment plan
to meet them. We employ a defined
process for each critical step in the
investment management cycle includ-
ing goal setting, risk/return profiling,
asset allocation modeling, investment
manager selection, ongoing monitoring
and comprehensive reporting.
B
efore they present ideas, Crescendo Wealth Advisors representatives listen.
Your advisor representative will work with you to analyze your needs, goals
and investment challenges. Using our unique questionnaire and risk profiling meth-
odology we gain a true understanding of your goals and needs. Once your represen-
tative has a full understanding of your financial picture he or she begins to construct
a customized portfolio solution that addresses your unique needs. We then create
a road map to reaching your goals in a real tangible way. We believe that investing
our clients’ assets requires character and integrity beyond reproach. Hard work,
discipline, integrity and a commitment to teamwork are the core character traits at
Crescendo Wealth Advisors.
6/7

9. UNDERSTANDING THE
CLIENT’S GOAL
“How much money do I need to income in my portfolio other than these common questions and it is
have saved up by my retirement low interest bank CDs?” “Should up to us to take the time to get to
date in tomorrow’s dollars to I be looking at alternative know them and make sense out
sustain the same lifestyle that asset classes (precious metals, of the financial products avail-
I have today?” “What invest- futures, etc.) other than stocks able. We take the time to under-
ment solutions and how should and bonds as part of my overall stand your financial require-
my investments be allocated retirement strategy? If so what ments along with your personal
in order to reach my intended percentage of my retirement and professional goals.
goal?” “Are the current options portfolio should I have invest- What are your basic invest-
in my company sponsored 401k ed in alternative assets?” “Are ment objectives? What are your
adequate to mirror the global mutual funds really the best personal preferences with
trends?” “Should I be investing choice in helping me reach my respect to risk taking and the
more in international markets?” financial goals?” “I need greater expected returns? Only after
analyzing your requirement our
“What sort of return should I expect representative will then work
on my investments or attempt to with you and together help
receive in order to reach my goal?” define an investment strategy
that is tailored to your specif-
“Am I properly diversified in my diversification, complete trans- ic situation. Our investment
current investment account, or parency and the ability to access approach does not begin with
am I taking way too much risk?” my money swiftly in my portfolio. numbers or pie charts but with
“I want to generate more income What are my best options?” a real assessment of your needs
and the current interest rate These days the vast array of and we deliver our solutions in
environment is not helping, what financial products and instru- a plain English tangible format
are my options to generate more ments available to investors are without the intimidating financial
enough to make any investor jargon or gimmicks.
confused. At Crescendo Wealth
our clients often come to us with

10. TREATING INVESTING
AS BOTH AN ART
AND A SCIENCE
The rule of thumb is that the overall risk of a portfolio is
reduced as the number different securities held in different
classes in a given market are increased.
B
uilding the roadmap to reach asset allocation plays more of a major
your financial goals requires a role in determining whether or not you
delicate balance of asset allocation and reach your goals as opposed to securi-
careful consultation. After determining ty selection. It is less about picking the
the client’s risk tolerance the next step right stock or bond idea or gimmick but
of our process is to build the appropriate more about the actual spread of the risk
strategy based on your needs. Research across asset classes and the weighting
indicates that over 90% of an investment of asset classes in accordance to market
portfolio is attributed to the asset allo- conditions that help deliver tangible
cation model. This means that the actual results.
8/9

11. EXECUTING AND PUTTING THE
STRATEGY INTO ACTION
After determining the asset allocation strategy, we
then use the strategy as a roadmap and the final step
is the careful selection and combination of the appro-
priate investment products to implement your portfo-
lio. Crescendo Wealth Advisors offers many invest-
ment solutions and innovative products available to you
through your advisor representative. Your investment
advisor representative will provide you with the most
suitable investment strategy to achieve your financial
objectives. The client and the advisor representa-
tive will then enter into an annual fee arrangement in
accordance with our fee schedule which is available
on our website at http://www.crescendowealth.com/
forms.htm. The advisor representative will then place
the investment selections through our clearing firm*
into the clients account.
REBALANCE AND MONITOR
YOUR PORTFOLIO
Your portfolio will be monitored to allow it to remain
on track and achieve the investment goals and objec-
tives that you reviewed with your financial advisor.
The market conditions and the level of contributions
to your account and other factors can cause the allo-
cation of your assets to move outside the parameters
set for your portfolio. When this happens, we rebal-
ance your portfolio to bring allocations back into the
desired range. Since our advisors are not commis-
sioned salesmen but rather their compensation is
based on the value of the clients’ portfolio the advice
tends to be driven towards by more long term objec-
tives with efforts to avoid volatility.

12. WHAT MAKES
CRESCENDO WEALTH ADVISORS
DIFFERENT?
INDEPENDENCE
O
ur independence allows us to retain our objectivity and allows us to
answer solely to the clients that we serve. Our clients are looking for
an independent firm that can offer a global perspective and presence without
conflicts of interests. Clients are able to purchase securities at net asset
value without the fees typically paid out to the larger banks and financial firms
as an incentive to their advisors for pushing specific products.
Analysts at the larger banks and broker dealers routinely recommend stocks
of companies that maintain investment banking relationships with the same
underlying bank thereby maintaining a conflict of interest with the client.
Crescendo Wealth Advisors does not sell any proprietary products, we use
only third party research and we do not recommend any securities from
inventory. We provide investment advice solely on an agency basis and we do
not trade against clients.
10/11

13. FEE BASED ADVISOR MODEL VS.
COMMISSION BASED BROKERS
A stockbroker gets paid for the activity in your account. He or she recommends you to buy or
sell a specific stock or other security and gets paid for that transaction. The more activity in your
account the more commissions he or she is compensated. In fact the broker gets paid whether or
not the investment recommendation works out or not. This relationship has an inherent conflict of
interest and over time this relationship is destined to have a negative impact on the overall return
of the underlying investment portfolio. Commission based advisors are incentivized/motivated
to resort to market timing and may sell securities too early to generate a commission. Research
also indicates that there is a direct negative correlation between the fees and commissions paid
and the overall net return on your investment. These commissions and fees can often be a deter-
mining factor on whether or not you actually reach your financial goal. Our representatives at
Crescendo Wealth Advisors are fee based advisors. An advisor that is compensated on an annual
fee basis model has greater incentive to provide you with investment solutions that are more
aligned with your long term objectives and can make adjustments to market conditions without
charging you various commissions for a transaction. Why?
Our clients initially enter into an annual management fee contract with the representative. The
representative’s compensation is then directly tied to the account value of the underlying portfo-
lio. An advisor that is compensated on an annual fee basis model has greater incentive to provide
you with investment solutions that are more aligned with your objectives because he or she has
some skin in the game. This is different than a broker dealer model in which the compensation is
based on transactional activity. It is a more collaborative effort. Traditionally the asset manage-
ment model has been reserved for larger institutional clients. We believe that this model should be
available to all clients regardless of their financial resources. At Crescendo Wealth Advisors our
fee based model is our only model and is available from day one. Our investment advisory contract
is found on our website at http://www.crescendowealth.com/forms.htm
FOCUS
A long-term approach- We seek investments opportunities with a long term outlook for our clients.
Our fee based advisor compensation model also allows us to attract clients and financial profes-
sionals that have more long term perspectives on investing.
GLOBAL PERSPECTIVE
We believe that the world is shrinking and investors should maintain a global perspective with
their investments. Our unique global perspective drawn from our diverse team of profession-
als and global partners allow us to seek investment solutions that transcend time zones and
bring those opportunities closer to the client. We encourage investors to limit their own country
bias and seek opportunities drawing from many of the emerging markets outside of the United
States as part of their overall investment strategy.

14. RESEARCH
We use independent research through Morningstar, Russell Investments, Moody’s, Standard &
Poor’s, and other third party research firms in order to provide our clients with an objective
investment thesis.
TRANSPARENCY
Crescendo Wealth Advisors is a registered investment advisory firm and in order to eliminate
potential conflicts of interests between advice and custody arrangements, Crescendo Wealth
Advisors does not act as a custodian for your assets. Instead we have created enhanced rela-
tionships with major independent custodians*. We serve as introducing advisors therefore
keeping the investment funds in the hands of a third party answerable only to the client. The
client is always only a computer click or a phone call away from their money. All checks and
funds are to be made payable to the clearing firm. Crescendo Wealth Advisors does not hold any
cash, securities or commodities for clients. Visit our website www.crescendowealth.com for
more information about our clearing relationship.
PRODUCTS
Equities, Exchange Traded Funds, Bonds (including non-dollar, Corporate, Municipal
bonds), Structured products, Precious Metals (Gold & Silver), Fixed & Variable annuities.
12/13

15. * Crescendo Wealth Advisors currently uses Persh-
ing (BNY Mellon) for clearing and execution services.
Pershing LLC is a subsidiary of BNY Mellon, the nation’s
oldest continuously operating bank, and one of the
world’s leading providers of securities services. Persh-
ing has $988.8 billion in assets held in custody. Our
custodial firm Shareholder Services Group and Persh-
Visit us: www.crescendowealth.com
ing are both members of SIPC. As such our client’s
accounts are protected up to a maximum of $500,000
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per client, including up to $100,000 in cash balances.
Pershing (BNY Mellon) also has additional coverage
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in the amount of $24.5 million in securities per client
http://www.facebook.com/crescendowealth
with an aggregate limit of $100 million. This coverage is
provided by Lloyd’s of London. SIPC protection covers
Mailing Address:
more than one account in which you have an interest
New York: 100 Park Avenue Suite 1600,
provided you are acting in different capacities for
New York, NY 10017.
each account. (For instance, coverage would apply on
an individual account and also a joint account with a
Pennsylvania: 1839 Manton Street suite
spouse.) SIPC does not protect against a decline in
100, Philadelphia, PA 19146.
market value of securities in your brokerage account.
We reserve the right to change our custodial and
Call us: 888.542.2101
subsequent clearing firms.