The document discusses an investment advisor's philosophy and services. The advisor believes in learning about each client to partner them with the correct strategies using asset allocation, diversification, and ongoing conversations. The advisor identifies clients' goals and addresses their concerns through discussion of risks, portfolio assessment, and explaining the differences between brokerage and advisory accounts. The advisor leverages centrally managed platforms and portfolio managers to achieve diversification and flexibility while pursuing clients' customized strategies and goals through periodic follow-ups.

1. Tucker Holt, MBA
530 Blackwell Rd.
Warrenton, VA 20186
540-878-2802
tholt@middleburginvestments.com
www.middleburginvestments.com
Securities and advisory services offered through LPL Financial, a
Registered Investment Advisor, Member FINRA/SIPC. Insurance
products offered through LPL Financial or its licensed affiliates.
IMPROVING YOUR
FINANCIAL HEALTH
Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Insured By Any Federal Agency Not a Bank Deposit

2. INVESTMENT PHILOSOPHY
Every investment vehicle exists because it makes
perfect sense in someone’s world. As an advisor I feel
that it is my roll to learn about you to properly
partner you with the correct strategies. This
combined with proper asset allocation, security
diversification, rebalancing and continuing
conversation keeps you on track with your goals.
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3. IDENTIFYING YOUR G.O.A.L.S.
Set Follow-up
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Leverage
Strategies

4. GENERATE CONVERSATION
The pressing issue on your mind will change with age, events and
financial security.
We work to understand your financial concerns and provide timely
solutions.
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5. ORGANIZE THOUGHTS
From our conversation we should be able to filter out a
bunch of information and get to what topics a financial
advisor can assist you with and provide some clarity to your
financial health!
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Do I have enough
to retire?
Is my 401k Important?
How will I pay for my
kids college?
What if something
happens to me?
How much should
I have in savings?

6. ADDRESS CONCERNS
Risks
• What if the president does this?
• What if interest rates continue
to rise?
• ABC Stock is down should I be
concerned?
• What if the stock market
crashes?
Services and Costs
• How often will we meet?
• What is the difference between
brokerage and advisory?
• How much does this cost?
• How will you bill me?
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7. TYPES OF RISK
• Market Risk – “What if the market goes down?”
• Political Risk – “What happens if the President says this?”
• Interest Rate Risk –“What happens if rates keep going up?”
• Liquidity Risk – “What if something happens and I need my money?”
• Reinvestment Risk – “When this CD comes due will rates be similar?”
• Concentration Risk – “All my money is in company stock. Is that bad?”
• Currency Risk – “Is it good or bad if the dollar goes up?”
• Credit Risk – “What are these letters next to this bond?”
• Tax Risk – “Am I going pay more in taxes?”
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8. PORTFOLIO RISK ASSESSMENT
Aggressive Growth
Growth
Growth with Income
Income With Moderate
Growth
Capital Preservation
A lot of different factors go into
your personal risk assessment.
These include:
• Investment Horizon
• Market Sentiment
• Past Experiences
• Current Financial Status
• Liquidity Needs
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9. SERVICE MODEL: BROKERAGE VS ADVISORY
Brokerage:
• A brokerage account charges an
amount by transaction
depending on the trade
• These accounts may be suitable
for:
o Buy and Hold Investors
o Investors with small
sequential investments
o Investors who want a small
amount of transactions
Advisory:
• Advisory accounts charge a fee
of assets annually
• This fee is inclusive of trades,
rebalancing and additional
services
• These accounts may be suitable
for:
o Investors looking for active
management
o Clients looking for a more
hands on involvement from
their advisor
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10. SERVICES
Advisory Premium (Min $250,000)
Advisory Plus (Min. $25,000)
Advisory (Min. $5,000)
•
Brokerage
(Min. $250/$50 a month)
• Account Opening
• Traditional vs
Roth Analysis
• Account Value
Projection
• College Savings
Projection
• Mutual Fund Selection
• Sequential Investment
Plan
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• Annual Account
Review
• Risk Analysis
• Quarterly,
Semi-Annual or
Annual Rebalancing
• Life Insurance
Needs Analysis
• Disability Insurance
Needs Analysis
Quarterly Newsletter
• Budget Formulation
• Business Retirement
Planning
• Semi Annual Account
Reviews
• Access to 10
Institutional
Money Managers
• Models for investors
with goals such as:
o Income
o Tax-Aware
o Risk Sensitive
• Coordination of
account with
employer
sponsored assets
• Income Analysis
• Customized
Models
• Fixed Income
Laddering
• Separately
Managed
Account
Selection
• Coordination
with other
industry
professionals
• Estate Needs
Analysis

11. LEVERAGE STRATEGIES
• Concerns for investments extend
past just returns
• Different products, securities and
managers address those concerns
better than others
• Our job is to find the appropriate
strategy according to your thoughts,
risk profile, and concerns
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12. CASE FOR CENTRALLY MANAGED PLATFORMS
• Portfolios geared towards a specific task
• Access to institutional managers
• Can achieve further meaningful
diversification and asset allocation
• Flexibility to utilize multiple managers
• Ability to change underperforming
managers
75%
19%
1%5%
Asset Allocation
Stocks Bonds Cash Alternatives
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Asset allocation does not ensure a profit or protect against a
loss.
There is no guarantee that a diversified portfolio will enhance
overall returns or outperform a non-diversified portfolio.
Diversification does not protect against market risk.

13. WHAT FOOTBALL CAN TEACH YOU ABOUT OUR PLAN
• Your retirement plan is your team
and you are the general manager
• You’re hiring me to be the head
coach of that team
• The portfolio managers we hire
are like offensive and defensive
coordinators
• The securities they select are the
individual players
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14. SET FOLLOW UP
• Every investment decision should have a
defined follow up to the decision
• The Strategy Session will involve the
following:
o Performance Review
o Discussion of any life changes
―Marital Status, Children, Health,
Career
o Evaluation of a potential change of
strategy (Reset G.O.A.L.S. process)
o Set follow up
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15. SUMMATION
There is a sea filled with different ways to invest your
money that all of pros and cons
By following a refined process we can find a
customized strategy that makes sense to your
personal financial situation
While there are always ups and downs in investing, by
being disciplined and thought out we are in a better
position to make decisions that determine your
financial health
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All investing involves risk including loss of principal.