This document provides information about Freedom Advisory, LLC, a registered investment advisor. It summarizes their services which include financial planning, investment management, and trusted guidance. They work with individual clients to establish goals and provide unbiased strategies and education to help clients achieve long-term satisfaction. Their work includes independent research, due diligence, and ensuring appropriate investment vehicles, reporting, security and technology. They aim to put clients' best interests first as fiduciaries and provide comprehensive financial advice tailored to each client.

1. Let’s
getgoing.Freedom Advisory, LLC / Registered Investment Advisor
FINANCIAL PLANNING | INVESTMENT MANAGEMENT | TRUSTED GUIDANCE

2. FREEDOM ADVISORY, LLC
Registered Investment Advisor

3. THE FINANCIAL ADVISOR
As a primary financial advisor, we guide clients
like you to reach and exceed attainable goals.
How? With strategies, education and behavioral
techniques that enable you to achieve — and
sustain — long-term satisfaction.
INVESTOR
Each client has individual dreams and
goals. Managing a healthy financial plan
requires planned goals, unbiased
guidance and consistent execution.
Your goals, our guidance.
THE CHANNELS
Our work on your behalf includes independent
research, due diligence that considers both
qualitative and quantitative aspects of the selected
managers, custody selection, compliance,
investment vehicles, liquidity, reporting systems,
cyber security and technology.
Pursuingabetter
INVESTMENT
EXPERIENCE“The whole is greater than the sum of its parts.” – Aristotle
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Freedom Advisory, LLC

4. Key Benefits ofWorking with a
Registered InvestmentAdvisor
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OVERALL FINANCIAL ADVICE
Our staff and resources have the capacity to guide investors with high-level
financial advice and provide sensitivity analyses. These are based on risk tolerance
and desired objectives, regardless of your life stage, accumulation or distribution.
We consistently implement a detailed financial planning process to discover needs
and establish attainable objectives.
FEE ONLY
We are compensated on an annual fixed percentage for assets under management.
These are billable quarterly, eliminating any potential conflict of interest with both
investment vehicles and timing recommendations. This fee structure enables clients
and advisors to work toward a common objective. This is about helping you achieve
your long-term goals, not by selling but rather by serving.
EARNED TRUST
With an overarching commitment to transparency, we know that handling money
is part of a trusted relationship. We work to understand your needs, goals and
legacy always. By providing extensive educational resources, unbiased advice
and full disclosure, we ensure a heightened level of comfort and trust. We build
client relationships that endure, something we value above all else. Count on it.
CLIENT-CENTRIC
As Registered Investment Advisors, we have a fiduciary responsibility to our clients
to provide advice that puts their best interests first. We work closely with you to
understand your specific needs and objectives; this enables us to help you develop
an attainable plan that endeavors to achieve your long-term goals. Know that we
will disclose any potential conflict of interest and strive to eliminate these.
Freedom Advisory, LLC
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7. LEAD FINANCIAL
INITIATIVES
CPA/LEGAL/
FINANCIAL INTEGRATOR
BEHAVIORAL COACH
FAMILY FINANCIAL
EDUCATION
WEALTH LEGACY
StrikingtheRight Balance
Your goals, our guidance.
Assists clients in financial plans,
wealth accumulation goals and
distribution requirements.
Assure all related professionals are
integrated with the client’s wealth plan
establishing ourselves as your chief
financial officer.
Maintain a disciplined approach by
bridging the gap between short-term
volatility periods and long-term goals.
Guide family members to understand
and maintain healthy financial habits.
Provide guidance on required vehicles to
transfer wealth to the surviving spouse and
other family members. Advice in charitable
giving that extends your philanthropy
beyond your lifetime.
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Freedom Advisory, LLC

8. INVESTMENT PLANNING
Backbone process to structure
attainable objectives and
reasonable financial needs.
CASH FLOW PLANNING
Retirement planning is the most
important process when calculating
success probability at full
retirement. Available tools include
Monte Carlo Simulation.
COLLEGE PLANNING
Establish early needs and funding to
reach projected college costs using
adequate account location and
investment vehicles.
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TAX PLANNING
Evaluate tax saving needs and
benefits through account structure
set-ups in deferred and after-tax
accounts.
INSURANCE & ESTATE
Estate planning and Asset
Protection. Evaluate, recommend
and execute the most efficient legal
structure while maximizing tax
efficiency with legal structures like
LLC / Trust. Insurance needs change
with age and available capital; we
recommend the most appropriate
insurance coverage.
FinancialPlanning
Getting started.

9. CLIENT GOALS & RISK PROFILE
• Risk Factors
• Short-Term Volatility Tolerance
• Risk Capacity, Investment Horizon
• Wealth Goals
ASSET ALLOCATION
• Portfolio Construction
• Allocation, Active/ Passive Balance in Asset Classes
• Manager Search Using 3Y Weights % in
Sharpe, Alpha, Semi-variance Ratios
• Portfolio Structure with Risk/Return Factors Consideration
MANAGEMENT
• Periodic Rebalance
• Spending Strategy
• Manager Due Diligence for Quantity and Quality
• Benchmarking and Continuous Performance Reporting
INVESTMENT VEHICLES
• Low Cost Custom Investment Models
• Institutional Investment Vehicles
• Low Portfolio Turnover
• Low Tracking Error for Equities, Cash Efficiency in Portfolio
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PortfolioImplementation
The moving parts.

10. NextSteps
Pursuing a better investment experience.
EVALUATION
Current client risk/assets,
risk tolerance and capacity
assessment, actual investments
and accounts, current
cash needs.
PLAN
Detailed financial and investment
recommendations within an appropriate
opportunity set, actionable tasks
with associated trade-off.
MONITOR
Measure progress , ensure broad
exposure exists while limiting
overlap across strategy, evaluate
market and life changes.
IMPLEMENT
Open accounts, account funding,
execute the detailed investment
management program in
synchronization with client
short- and long-term goals.
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01DISCOVERY
Client history, education,
goals, family size, health,
lifestyle, financial obligations
and capacity.
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11. Freedom Advisory, LLC is a SEC registered
investment advisor founded in May 2008.We
are a limited liability company formed under
the laws of the State of Florida with our main
office located in Puerto Rico.
Freedom Advisory® is a fee only advisor that
provides unbiased independent wealth
management services with fiduciary standards
and an open architecture platform with
efficient options to maximize clients’ investment
opportunity set. Our priorities include establishing
ongoing client relationships with a prudent
WeAreFreedomAdvisory,LLC
Improving clients’ lives through 360 degrees of financial strategy.
approach, looking at the entire financial picture
with transparency in interactions, and explaining
financial analysis in a simple way.We always
place clients’ best interests first, understanding
their goals and needs to grow or preserve capital
as well as their risk tolerance profile.We use the
latest technologies, tools and research.
Our most valuable asset is Freedom Advisory,LLC’s
bilingual human capital, with well rounded,
experienced and professionally accredited staff,
enhancing every aspect of client service.
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ASSISTANCE
TO LOVED ONES
ESTATE
PLANNING
INVESTMENT
PLANNING
FINANCIAL
PLANNING
CASH FLOW
& BUDGET
TAX
PLANNING
RETIREMENT
PLANNING