This document summarizes the Pathway program, which provides financial planning and investment services for investors in the wealth accumulation phase who do not need full wealth management services. The program offers goals-based financial planning, portfolio management, and unlimited access to financial advisors and planners. Services include organizing finances, developing savings strategies, managing investments for long-term growth, and answering important questions about finances, goals, and retirement. The program aims to maximize wealth through proven investing strategies and long-term savings plans.

1. PATHWAY
FINANCIAL SYNERGIES
PATHWAY:
Wealth Accumulation and
Financial Planning
Unbiased, actionable advice for building lifelong wealth

3. We created Pathway for investors in the
accumulation phase of life who need help
with financial planning and investing, but
traditionally haven’t had access to financial
advisory firms due to the high investment
minimums. The Pathway program is ideal
for investors who don’t have a need for our
total wealth management services at this
stage in life but would like to get started
with a financial goals-based investment
plan and begin building wealth today.
Your Pathway to
Building Wealth
As a Pathway client, your focus is on
building wealth and planning for the future.
We’ll help you cover every base by:
„„ Organizing your financial life
„„ Identifying financial planning goals
„„ Developing a savings strategy
„„ Diversifying and managing your
investments for long-term growth
PATHWAY 1
We start by asking important questions: What does money mean to you? Do you know how you are
invested? Are you saving enough? Are you planning to send your kids to college? Do you have the right
amount of insurance? What does retirement look like to you?
As an experienced team of financial advisors and Certified Financial Planner™ professionals, we’ll deliver
a plan and investment strategy to meet your needs and goals. And as fiduciary advisors, we hold ourselves
to the highest legal standard. We exist to serve your best interests, and every decision we make follows
that philosophy.

4. WEALTH ACCUMULATION
GAME PLAN
With a robust menu of services, we’re a single
source for all your investment necessities. Our
holistic approach helps us:
„„ Serve all your needs. As fiduciary advisors, we
seek to meet all your personal financial planning
and investment management goals.
„„ Organize your financial life. We’ll help you
organize and aggregate all your financial
accounts in one place so you can see the bigger
picture. Track your investments, financial plan,
net worth, spending and budget using our
technology.
„„ Maximize your wealth. Combining a proven,
evidence-based investing strategy and long-term
savings plan, we’ll construct and manage an
investment portfolio that aligns with your needs.
„„ Empower your decisions. Lean on us as your
financial advisor, as we strive to help you
make smart decisions. We’ll help you further
your knowledge of investing and financial
planning.
PATHWAY 2

5. Client Synergy
MEETING 1
DISCOVERY
„„ Discuss your financial situation and goals.
„„ Answer your questions about our company.
„„ Introduce our financial planning and
investment philosophy.
„„ Explore ways we can add value to your
situation.
SEMIANNUAL MEETINGS
„„ Review financial goals.
„„ Update financial plan as needed.
„„ Discuss quarterly reports and investment
portfolio.
„„ Schedule next meeting.
MEETING 2
PLANNING/INVESTMENT STRATEGY
„„ Review your financial assets and liabilities.
„„ Identify your financial planning and
investment needs.
„„ Outline our investment philosophy.
„„ Evaluate your risk tolerance.
„„ Discuss road map for implementing
and monitoring your financial plan and
investments.
QUARTERLY ACTIVITIES
„„ Send detailed client newsletter.
„„ Provide quarterly performance report.
„„ Give market updates and commentary.
„„ Your advisor will review your accounts and
reach out if updates need to be discussed.
CONTINUOUS ACTIVITIES
„„ Investment portfolio monitoring.
„„ Account trading and rebalancing.
„„ Ongoing investment analysis.
„„ Weekly blog and commentary.
„„ Client events (social and educational).
„„ Unlimited phone and email conversations
with your advisor.
MEETING 3
45-DAY FOLLOW-UP
„„ Review status of asset transfers.
„„ Review status of your financial plan.
„„ Explain investment reports and online
portal.
„„ Schedule next meeting.
Strong relationships are built on trust and an understanding of expectations. From day one through all the
various phases in your life, we have the expertise to get you to your goals. Here’s how:
PATHWAY 3

6. Key Highlights
Unlimited emails and
phone calls
A team of financial advisors
and Certified Financial
Planner™ professionals
Total financial account
aggregation through
Wealth360o
Goals-based financial
planning
Portfolio management
and analysis
$

7. Your Financial
Synergies Team
PATHWAY 5
YOULead
Advisor
Associate Advisor/
Financial Planner
Director of Operations/
Client Service Associates
Financial
Synergies
Investment Manager/
Analyst
Charles
Schwab
Manages relationship
and leads meetings
Operationally support advisors
and investment manager
Supports lead advisor and communicates
with client
Constructs, implements, monitors and
analyzes portfolio
Coordinates with CPA, estate
planning attorney and
other outside professionals
Serves as custodian of assets

8. GENERAL FINANCIAL PLANNING
„„ Financial organization/account
aggregation
„„ Net worth statement/tracking
„„ Education planning/529 account
management
„„ Cash flow planning
„„ Saving and budgeting strategies
„„ Major purchase advice/planning
„„ Student loan analysis
„„ Mortgage analysis
„„ Lease vs. buy advice
INVESTMENT PLANNING
„„ Evidence-based investment strategy
„„ Portfolio construction
„„ Global asset allocation and
diversification
„„ Risk tolerance/goals assessment
„„ Ongoing investment management
„„ Performance reporting
„„ Tax-managed portfolios
„„ 401(k) account management
RETIREMENT PLANNING
„„ Retirement projections
„„ Probability analysis
(Monte Carlo simulation)
„„ Development of savings target
„„ 401(k) asset allocation
„„ Job loss or job transition
„„ Executive benefits analysis
„„ Stock options analysis
PATHWAY 6
Services

9. PATHWAY 7
INSURANCE/RISK MANAGEMENT
„„ Insurance planning needs analysis
„„ Annuity rescue
„„ No-load variable annuity management „„ Collaboration on insurance needs with
other professionals as needed
TAX PLANNING
„„ Tax-efficient portfolio design
„„ Tax minimization strategies
„„ Tax loss harvesting
„„ Gifting strategies for appreciated stock
„„ Roth conversion analysis
„„ Net unrealized appreciation
(NUA) analysis
„„ Business entity selection
„„ Collaboration on tax planning with
CPA as needed
TRUST AND ESTATE PLANNING
„„ Beneficiary designation review
„„ Asset protection strategies
„„ Inheritance planning
„„ Legacy planning
„„ Gifting strategies to family and charity
„„ Post-mortem family meetings and
communications
„„ Collaboration on estate planning needs
with other professionals as needed
TECHNOLOGY AND COMMUNICATIONS
„„ FSAM blog
„„ Quarterly newsletter/market
commentary
„„ Quarterly performance reports
„„ Wealth360o
online planning/
aggregation program
„„ AdvisorView online account portal
„„ Option for Web-based meetings
via GoToMeeting

10. FIDUCIARY ADVISORS
As an independent Registered Investment Advisor, we follow the highest legal standard. Acting as a fiduciary
on your behalf, your interests are our utmost priority. We work on a fee-only basis and do not sell commission-
based products. This gives us the freedom to develop your financial plan and investment strategy without
outside influence.
Our management fee is calculated as a percentage of the value of a client’s account(s) per year.* We use a
standardized scale to generate this percentage fee, which ranges from 0.75% to 0.95%.
We are compensated solely via a management fee for all of our advisory services. As our fee is based on
a percentage of assets under management, our success is closely linked to your success.
Traditionally, Pathway clients have at least $50,000 available to invest. We may choose to waive this
minimum in certain situations, subject to Investment Committee approval.
PATHWAY 8
How We Work
*Fees are payable quarterly and deducted automatically from the portfolio.

12. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™, CFP® (with plaque design) and CFP®
(with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
4265 San Felipe, Suite 1450, Houston, TX 77027
713-623-6600
info@finsyn.com | finsyn.com