Soltis Investment Advisors provides wealth management and investment advisory services to both individual and institutional clients, managing over $1.8 billion in assets with a team of experienced advisors. The firm has received independent certification for its fiduciary practices and processes from CEFEX and is ranked among the top registered investment advisors in the country. Soltis utilizes a rigorous investment process and institutional network to construct diversified portfolios for clients across asset classes.

1. Introduction to Soltis Investment
Advisors
Soltis Investment Advisors is proud to be
among the first investment advisors
globally to successfully complete the
independent certification process of
CEFEX, Centre for Fiduciary Excellence.
CEFEX certification independently
analyzes the trustworthiness and best
practice processes of investment
fiduciaries.

2. Soltis Investment Advisors
Soltis Background
 Founded in 1993 as a Fee-Only, Federally Registered Investment Advisory (RIA) Firm.
 The Company’s Key Philosophy is Founded on Performance, Independence, and a Non-
Conflict of Interest Environment.
 Currently Manage/Advise over $1.8 Billion for more than 100 Institutional Clients.
 Soltis is ranked in the upper 10% of Registered Investment Advisory Firms in the Country.
Mission Statement
“To create, build, and manage wealth so our
clients are free to pursue life’s most important
endeavors.”
2

3. Soltis Leadership and
Organization
3

4. Soltis Organizational Chart
4
Soltis Advisory Board
Hyrum W. Smith
Past Chairman Franklin Covey
Jim Engebretsen
Asst. Dean BYU Marriot School
Steven D. Harrop, CFA
Retired 5 Star Money Manager
Chad Lewis
Associate A.D. – Development
Three Time Pro Bowl Selection
Ron P. Mika
Partner – Sorenson Capital
Lon E. Henderson
Chair Advisory Board
Soltis ExecutiveTeam and Advisors
Hal G. Anderson, MBA
President/CEO
Tyler K. Wilkinson
VP, CFO
Clark V. Taylor
VP, Wealth Management Services
Kim D. Anderson, AIF®
VP, Retirement Plan Services

5. Soltis Investment Advisors
Soltis Advisors and Support Team
Tippett &
Moorhead
Distribution Partners
DEFINITIVE ADVISORS Innovative
Financial
Services
James G. Shumway
Investment Advisors
Hal Anderson Kim AndersonTyler Wilkinson Clark Taylor
Tyler Finlinson Jeff Brimhall
David Sentman Ashley Nixon
Sharon Peck Kelli Holmstead
Jill Homer
Joyce Madsen
Support Staff
Nancy Bailey
T.J. AdamsShawn Woods
5
Brent Moore Bill Wallace

6. Salt Lake City Office: 222 South Main
6
SLC Based Advisors
Jeff Brimhall
David Sentman Ashley Nixon
Brent Moore Bill Wallace
Lindsey Bryant

7. Fiduciary Duty Hits the Street
A High Bar
Here are three examples that show the differences between the current suitability standard
for brokers and the stricter fiduciary standard for registered investment advisers.
7
Source: Wall Street Journal, August 31, 2009, “Fiduciary Duty Hits the Street – Sort of”
Investments Disclosure Testimonials
Registered
Investment
Advisers
Advisers should disclose how
much they’re getting paid to
sell one fund over another.
They must offer investments
in clients’ best interests.
Advisers should provide
information to the client about
their fees and background,
including disciplinary actions.
Advisers are generally
prohibited from using
testimonials from clients,
celebrities or sports
figures in their advertising.
Brokers Brokers recommend suitable
funds. They generally aren’t
required to tell you if they
stand to gain personally.
Brokers generally aren’t required
to proactively disclose past
discretionary action to clients.
Brokers aren’t subject to
such a prohibition,
although rules govern
their advertising practices.

8. Soltis has received CEFEX
Certification
How Clients Benefit:
8
CEFEX-certified Investment Advisors proudly display the CEFEX Mark. Voluntarily, they undergo annual fiduciary assessments
conducted by independent expert analysts. The resulting assessment reports are reviewed by a separate registration
committee. This program can be thought of as a sophisticated peer-review system.
The CEFEX Mark
The CEFEX certification ensures that the advisor has prudent fiduciary practices in place and a culture of excellence, supported by
documented and structured processes.
Documented and structured processes are more likely to result in investment portfolios that:
 Are better designed and have lower costs
Structured due diligence processes force rational investment and
service selection, thereby ensuring the best value for the
portfolio.
 Can deal with a wider range of investment conditions
The investment process is not hostage to
market swings. The process anticipates all types of conditions and
can rationally account for investment outcomes.
 Make fewer strategic mistakes
A well-structured process virtually eliminates deficiencies in portfolio
management. The decision rules would not allow it!
 Better manage client expectations through education, reporting
and disclosure
Disclosure alone is often insufficient to help investors. The fiduciary
process leads to a more educated client who can better understand
the components of their portfolios. The process should enable
greater personalization, based on risk preferences and financial
needs.
 Increased oversight
Independent fiduciary assessments supplement the advisor’s internal
compliance practices and their mandatory statutory regulatory
compliance. The rules associated with statutory
compliance are designed to constrain bad conduct, but it is
impossible to set rules for every situation. Independent fiduciary
assessments focus oversight on process, so virtually all situations are
covered.
 Competitive influence
The CEFEX-certified advisor is earning your business on fiduciary
principles. The firm is striving to be the best fiduciary in a crowded
market!
Benefits to clients:
 Higher probability of enhanced portfolio outcomes
Documented, repeatable processes are more likely to generate
higher returns over time, because they are not dependent on
timing, luck, “in-fashion” or un-substantiated decisions.
 Increased transparency
Far too many advisors operate like black boxes. They cannot (or
will not) describe their process there by avoiding accountability to
the investor. The prudent process has nothing to hide.

9. How Clients Benefit From Their
Advisor’s CEFEX Certification
9
The CEFEX Fiduciary Assessment:
 Validates practices and processes
Includes review of file administration, information gathering,
custody, brokerage, and best execution, using a consistent
evidence-based methodology.
 Assesses structure, systems, support and reporting
Analyzes the Investment Policy Statement and the due diligence
process, comparing the advisors investment line-up to a
standard set of fiduciary screens. The assessment also reviews
how conflicts of interest, if any, are managed and disclosed.
 Reviews risk assessment
Reviews how asset allocation is based on capital market inputs
and risk assumptions used by the advisor. How does the advisor
manage risk and return characteristics of the portfolio?
 Samples client files
Verifies that client files contain the Service Agreement
deliverables, records and outputs of the investment management
process for the specific client.
 Is complementary to regulatory exams
The CEFEX process-based assessment takes a different approach
from the regulator’s rules- based approach. A background check
including regulatory, legal and bankruptcy actions is also
conducted.
Investors of all types should mandate the CEFEX certification of their advisors.
For more information on CEFEX, please contact Charles Burger at 412-221-0292, ext. 244 or cburger@cefex.org
CEFEX Centre for Fiduciary Excellence, LLC. is an independent certification organization. CEFEX works closely with industry experts to provide comprehensive
assessment programs to promote fiduciary best practices. It certifies investment stewards, advisors, fiduciary advisers (PPA), managers, ASPPA recordkeepers, ASPPA
administrators, and support services firms. To learn more about CEFEX, please visit www.cefex.org.
Abele Office Park • 10 Emerson Lane, Suite 801 • Bridgeville, PA 15017 • Tel: 412-221-0292 ext. 244 • e-mail: cburger@cefex.org
2255B Queen St. East, Suite 406 • Toronto, Ontario Canada M4E 1G3

10. Institutional Partners
10

11. Institutional Partners
As an Independent InvestmentAdvisor, Soltis has established a proprietary global network of Money
Management andCapital Markets research firms that provide extensive economic and market research and
analysis for our review and independent interpretation.This network of global talent includes the following:
Compliance:
Economic:
11

12. Institutional Asset Managers
12
Fixed Income:
Equity:

13. Soltis Representative Institutional Clients
13
Soltis selected the representative clients listed above based on a variety of objective criteria including the size of the account, the type of
account, and the investment objective. Soltis does not know whether the listed clients approve or disapprove of Soltis or the advisory
RBG, Inc.

14. Strength of Institutional Custodial
Network
 Strength in Private Banking
Services
 NPL Loans
 Trust Services
 Business Financing, etc.
 Largest Custodian in World
 Highest Credit Ratings of all
US Firms
 Industry’s largest clearing
provider, track record of over
70 years
14
 Dedicated to supporting
RIAs
 Strong Net Capital Position
 Broadest NTF Mutual Fund
Platform
 TotalAccount Asset
Protection:
– $500k SIPC
– Excess Asset Protection with
Lloyds of London
 FidelityTransacts 10% of
Daily NYSEVolume
 No Proprietary Investment
Products
 Dedicated to supporting
RIAs
 Custodial Support Services
to over 4000 advisors
 Broadest NTF Mutual Fund
Platform
 Strength inAccount Asset
Protection
 Reputation for World Class
Service andTransition
Support

15. Recent Recognition
15

16. Financial Times Recognizes Soltis Investment Advisor
FTTop 401 Retirement Plan
Advisers
Selection Process
The Financial Times set minimum criteria for applicants: financial
advisors managing at least $25 million in assets in DC plans, and for
whom DC plans represent at least 20% of their total AUM.
We contacted plan advisors that we identified with our data partner,
Broadridge Financial Solutions, as potential candidates. We also
contacted financial advisors whose names we obtained directly from
the largest U.S. broker-dealers. And we invited these financial
advisors to fill out a brief application. Only those who applied were
considered.
We graded advisors on eight broad factors and calculated a numeric
score for each advisor. Areas of consideration include: AUM in DC
plans; degree of specialization in DC plan advising; growth in DC plan
AUM; growth in number of DC plans advised; average participation
rate in advised DC plans; years of experience as a DC plan advisor,
industry certifications (CFP, AIF, etc.), and compliance record.
FT 300Top Registered
Investment Advisers
Selection Process
The Financial Times 300 list examines the database of RIAs that are
registered with the SEC and selects those reporting to the SEC that
have $300m or more in AUM. This assures a list of companies with
established and institutionalized investment processes.
Qualifying RIA groups, more than 2,000, are invited to provide further
information about their practices.
The formula used to grade advisers is based on six broad factors and
calculates a numeric score for each company. Areas of consideration
include AUM, asset growth, the company’s years in existence,
industry certifications of key employees, SEC compliance record and
online accessibility.

17. Soltis Named Among
Top 1,200 Financial Advisors
17

18. Hal Anderson & Kim Anderson appointed
to NAPA Government Affairs Committee
18

19. Soltis Ranked 7th Registered
Investment Advisors
19
www.utahbusiness.com
March 2015

20. 20
Forbes Article: June 2014

21. 21
,
21

22. Investment Management
Discipline
22

23. Soltis Investment Committee
23
Average Experience of Committee Members = 19Years
Committee Credentials = PhD (1), MBA(4), CFA(3), CFP® (1), CIMA(2), AIF® (1)
Hal G. Anderson
Chairman, CIO
28 Years
Tyler Finlinson
Senior Advisor
11 Years
Jeff Brimhall
Senior Advisor
7 Years
Tyler K. Wilkinson
VP, CFO
19 Years
Clark V. Taylor
VP, Wealth
Management Services
13 Years
Kim D . Anderson
VP, Retirement
Plan Services
18 Years
Steven D. Harrop
Retired 5 Star
Money Manager, CFA
36 Years 13 Years
Brent D. Moore
Senior Advisor
30 Years
William W. Wallace
Director of
Investment Research &
Strategic Development

24. Steve
Harrop
Hal
Anderson
Bill
Wallace
Tyler
Finlinson
Clark
Taylor
Tyler
Wilkinson
Kim
Anderson
Jeff
Brimhall
Brent
Moore
Fixed Income Lead Lead X X
Domestic Large
Cap Lead X X
Domestic Mid
Cap X X Lead
Domestic Small
Cap Lead X X
International
Large Cap X X Lead
Emerging
Markets X Lead X
Asia Lead X X
REITS X Lead X
Global Natural
Resources Lead X X
Alternatives Act
40 X X Lead
Alternative Non-
Act 40 X X Lead
Soltis Investment Committee:
Assignments

25. Soltis Alliances (Institutional Network)
 Charles Schwab
 Fidelity Investments
 Empower
 Prudential
 JP Morgan
 Wells Fargo
 Fidelity Investments
 The Newport Group
 Alliance Benefit Group
 JP Morgan
 Prudential
Institutional Money Managers
Over 14,000 Money ManagersAvailable
Institutional Custodians Institutional Record Keepers
 Principal Financial
 Charles Schwab
 Wells Fargo
 Empower
 Others…

26. Soltis Research Resources
Soltis Identifies Themes
(Opportunity & Risk)

27. Investment Management Discipline
Manager Performance Review
Quantitative Analysis
 Performance History
 Peer Ranking
 Performance versus Relative Index
Qualitative Analysis (On-site Due-Diligence)
 Style Shift
 Manager Tenure
 Asset Size
 Industry Concentration
 Portfolio Management (Turnover, Style Purity, Expenses, etc.)
27

28. Value of Top-Quartile Management
Large-Cap Comparison
Historical Analysis (2004-2014)
28
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Top Quartile:9.48% S&P500Index:7.67% AverageLargeCap:7.42%
VALUE TO INVESTOR
Over Index: $44,190
Over Avg.: $51,687
$270,656
$278,153
$322,343
Assumptions
Current Account Balance: $100,000
Annual Salary: $50,000
Annual Contributions: 8%
Soltis Investment Advisors Confidential Research

29. Value of Top-Quartile Management
Small-Cap Comparison
Historical Analysis (2004-2014)
29
$50,000
$100,000
$150,000
$200,000
$250,000
$300,000
$350,000
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
Top Quartile:9.57% Russell 2000Index:7.77% AverageSmallCap:8.03%
VALUE TO INVESTOR
Over Avg.: $40,774
Over Index: $45,917
$284,252
$279,109
$325,026
Assumptions
Current Account Balance: $100,000
Annual Salary: $50,000
Annual Contributions: 8%
Soltis Investment Advisors Confidential Research

30. Value of Top Quartile Management
Research Conclusions
 Top Quartile Management Provides Value Above the Average
Manager and the General Market (measured by index)
 The Less Efficient the Asset Class, the More Value Provided
by Top Quartile Management
30

31. Portfolio Constructions: Asset Allocation and
Manager Selection
Diversification:
 Utilizing Global Asset Classes to Construct Well-Diversified Portfolios to Optimize Return
while Mitigating Risk
Fundamental Research Driven:
 Global Economic Factors: GDP Growth, Government Monetary and Fiscal Policies, Policy
Rates, Inflation, Currency Stability.
 Valuations are Important, Identify Market Opportunities
Tactical Asset Allocation:
 Fixed Income (Bonds) versus Equities (Stocks)
 Domestic versus International
 Asset Allocation Shifts, Rebalancing
31

32. Soltis Wealth Management
Services
32

33. Summary of Soltis Wealth Management
Services
33
• Optimizing Family &
Charitable Gifts
• Corporate Trust
Services
• Multi Generational
Legacy Planning
• IRA and Retirement
Plan Distributions
• Retirement Plan Design
• Insurance Analysis
• Stock Options Exercise
Strategy
• Managing Concentrated
Positions
• Asset Protection
• Personal Risk
Assessment and
Investment Policy
Statement
• Asset Allocation and
Manager Selection
• Monitoring and
Rebalancing
• Wealth Preservation
Portfolios and Non-
Traditional Asset
Classes
• Tax Optimization
• Goal Setting
• Retirement Planning
• College Funding
• Business Planning
• Annual Wealth
Management
Conference
• Income Tax
Collaboration &
Coordination
• Access to suite of
Private Banking
Services
Financial
Planning
Investment
Planning
Estate
Planning
Risk
Management

34. 2014 Wealth Management Client Service Plan
Prepared for Sample Client
34
1st Quarter 2nd Quarter 3rd Quarter 4th Quarter Results/
Performance
Financial
Planning
Refine Draft of Retirement
Income Cash Flow
Analysis
Discussion of Ampelis:
Multi-Generational legacy
planning
Review Annual Goals and
Track Retirement Income
Cash Flow Plan
Investment
Management
Quarterly Investment
Review
Client Portfolio Manager
Call Opportunity
Quarterly Investment
Review
Ongoing Updates of Soltis
Money Manager Due
Diligence
8th Annual Wealth
Management Conference
Ongoing Updates of Soltis
Money Manager Due
Diligence
Quarterly Investment
Review
Ongoing Updates of Soltis
Money Manager Due
Diligence
Risk Management Review Wealth
Preservation Portfolio
Strategies
Review Insurance Policy
Strength of MetLife
Review Client Investment
Policy Statement
Review Long-Term
Insurance Needs/Plan
In depth review of
Pathfinder Private Equity
Fund
Estate and Tax
Planning
Coordination and Annual
Reporting to CPA
Collect Updated Note
Payments from Children
and Update Loans and
Provide to CPA
Estate Plan Interaction Year-End Tax Planning
(gain/loss harvesting
Client
Appreciation
8th Annual Wealth
Management Conference
Holiday Christmas
Concert

35. Soltis Service Team
35
Sharon Peck
Client Relationship Manager
The Senior Advisors are focused on overseeing each client relationship from the initial implementation of
the client service plan throughout their experience at Soltis. As the lead advisor, the Senior Advisor
conducts ongoing portfolio reviews where the clients not only review their account performance, but also
define their goals and ensure their progress in tracking toward these goals. The Senior Advisors ensure
that each client receives a high level of service and has an overall positive experience with the firm.
Clark V. Taylor
Partner, VP Wealth
Management Services
Responsible for the overall Wealth Management Division and the services provided to the client. The
divisional Vice Presidents work closely with the Senior Advisors to ensure exceptional proactive client
service. Also works closely with the firm’s Board of Managers to form strategic initiatives for the firm
and ensure Compliance with SEC and other Fiduciary Compliance requirements.
Hal G. Anderson
President, CEO, CIO
Chairman of the Investment Committee responsible for the investment manager research, asset
allocation studies, portfolio monitoring and performance measurement, and investment themes for the
management of the portfolios. Responsible for the due diligence of investment options and monitors
and evaluates mutual funds, separate accounts managers and alternative investments for use in current
and prospective clients. As CEO, is responsible for the oversight of all the services provided by Soltis to
include the Retirement Plan Division and Wealth Management Division.
Tyler Finlinson, CIMA
Senior Advisor
The Client Relationship Managers are focused on assisting the Senior Advisors with the overall
relationship management of the client. As the primary contacts for day-to-day service and operational
needs, the main goal of the Client Relationship Manager is to deliver exceptional client service and be
available to assist with any aspect of the clients’ accounts, or put them in contact with the appropriate
resources at Soltis. On a regular basis the Client Service Manager is available to assist service items that
ensure each client receives a high level of service with the firm.
TJ Adams
Analyst
The Soltis Analyst also plays an important role at the firm. Under the direction of the Senior Advisor, the
analysts assist with preparing client reviews, financial plans, and conducting additional research as
requested. The Analyst is available as an additional resource for assisting clients with anything they
might need.
Nancy Bailey
Client Relationship Manager

36. SAVE THE DATES
September 24-25, 2015
An invitation and detailed agenda information will follow in the coming months. In the meantime, please mark your calendar.
9th Annual Client Appreciation and
Wealth Management Conference
ST. GEORGE, UTAH
TEAMWORK:
Working in Unison

37. Thursday, September 24: Soltis will host various client appreciation activities during the day, including a Golf Tournament and various outdoor activities.
That evening, we are also looking forward to dinner and our featured keynote speaker. More details on the event will follow.
Friday, September 25: The conference will be held at the Courtyard by Marriott. Friday will focus on Soltis’ investment outlook, updated portfolio investment
strategies, and other important updates relevant to the services you receive from Soltis Investment Advisors. The event will begin with a light breakfast and
will adjourn after lunch.
**All meals and activities will be paid for and arranged by Soltis. Clients are responsible for their own hotel accommodations. Some discounted options are
discounted options are listed below, please ask for the Soltis group rate.
Special note: All rates and room holds are subject to availability. Rates listed do not include tax.
ACTIVITIES and CONFERENCE
Hilton Garden Inn
1731 S. Convention Center Dr.
St. George, UT 84790
Call toll free 1-877-STAY-HGI or
(435) 634-4100 or
Online @www.stgeorge.hgi.com
$149.00 King or Double Queen
**Expires August 23**
Wingate by Wyndham
144 West Brigham Road
St. George, UT 84790
435-673-9608
Soltis Advisors group
$89.00 King or Double Queen
**Expires August 23**
ACCOMMODATIONS
LaQuinta Inns & Suites
91 East 2680 South
St. George, UT 84790
800-527-1498
Ask for Soltis Group rate
602419156
$99.00 King & Double Queen
Rooms
**Expires August 24**
Courtyard by Marriott
(Friday conference location)
185 South 1470 East
Toll Free (800) MARRIOTT
(435) 986-0555
Contact: Reservations, ask for
SIVO or Soltis Investment
Advisor rates
$139.00 King & Queens
**Expires August 24**
TownePlace Suites
251 South 1470 East
435-986-9955
Ask for Soltis group rate
or SIAC
$149.00 Standard King Studios
**Expires August 23**
ST. GEORGE, UTAH
Best Western Plus Abbey Inn
1129 S. Bluff St
(435) 652-1234
Ask for Soltis group rate
$89.00 for 9/23
$107.99 for 9/24 & 9/25
King & Queens
**Expires August 23**

38. Private Banking Opportunities
38
 Strategic Lending ($1
million credit line at low
rates)
 Competitive Margin Rates
 Mortgages & Other Real
Estate Financing
 Depository Services
 Corporate Trust Services
 Other
David Esser
Regional Director, Private Banking

39. Access to Trust Services Through Soltis
 Both Directed and Delegated Models are supported
 Allows the separation of the investment management
responsibilities from the administrative responsibilities
 Zero proprietary investment requirements
 Dedicated trust administrative team that concentrates 100%
on client services.
 Competitive and flexible pricing schedule that covers all
services, including tax preparation services
 Ability to custody and record keep non-traditional assets
 Fully integrated brokerage or bank trust accounting systems
39

40. Executive Financial Planning
40

41. Soltis Wealth Management Services
Client Soltis
Collaboration with
attorney for Estate plan
creation, trust
management, and
philanthropic giving
Cash flow
planning
and risk
management
Collaboration with
accountant for tax
strategies and
preparation
Portfolio
management,
including asset
allocation and
manager selection
Hedging strategies
and concentrated
position management,
including stock
options
Financial, estate,
and legacy
planning
Integrated Wealth Management:
• Independent Advice - Objective
counsel across disciplines
• Execution - Management for individuals
seeking advice
• Fee-based pricing – Motivated to grow
assets
• Access to specialists – Internal
resources and/or external relationships
• Fiduciary responsibility - Regulatory
obligation to investors
• Institutional Consulting Platform –
Access to top industry consulting
services

42. Soltis Asset & Income Planning
Process
Sample Client
Retirement Goals &
Objectives
401(k) IRA
Qualified
Assets
Stock Non-
Qualified
Ownership
Savings &
Cash
Taxable
Investments
Alternative
Income
Real Estate
Hard Assets
Estate, Tax
and
Insurance
Protection
42

43. Executive Financial Planning
43
Summary of Services Available
Plan Level
Level 1 Level 2
Initial Consultation  
 Written Summary of Family Goals  
 Soltis Observations and Recommendations  
Current Financial Position  
 Cash Flow Analysis  
 Net Worth Analysis  
Retirement Income Analysis  
 Retirement Goal Coverage and modeling  
 Monte Carlo Statistical Probability Analysis  
Portfolio Review and Asset Management  
 Asset Allocation Evaluation  
 Portfolio Diversification Review  
 Quality Manager Selection  
 Consulting on 1031 Exchanges for Real Estate  
Insurance Analysis and Recommendations 
 Long-Term Care Needs Assessment 
 Property & Casualty Review 
 Existing Life Insurance (Section 162 Plan)Review & Analysis conducted by
Insurance Fiduciary

 Existing Annuity Evaluation and Recommendations 
Business Ownership Planning 
 Evaluation of Business Entity Assets 
 Consulting on Concentrated Equity Positions 
 Stock Option Modeling 
Estate Planning Review* 
 High Level Review of Documents 
 Summary of Estate Plan Recommendations 
Ability to Coordinate with Tax Professionals* 
Introduction to Multi-Generational Legacy Planning* 
* Professional Service Fees are not included as part of initial executive planning pricing summary

44. Retirement Structural Change
Underway
44
Living in
Retirement
Building
a Portfolio
Getting
Started
Planning for
Multiple Goals
20 25 30 35 40 45 50 55 60 65 70
IncomeTransition
For illustrative purposes only.
Accumulation
Create Wealth
Build Wealth Preparing
to Retire
AGE
To create, build, & manage wealth so our clients are
free to pursue life’s most important endeavors.
Manage Wealth

45. 45
Personal Financial Website – Account Aggregator
45

46. 46
Pursuing Most Important Endeavors – Net Worth
Analysis
Decision Center
46

47. 47
Probability of Success
47

48. Risk Management
48

49. At-a-Glance: Fee-Only Life Insurance Advice
When thinking about life insurance, consider three realities:
 Life insurance is one of the most complicated financial products available today.
 Most people do not like to think about life insurance, and like drafting a will, often
procrastinate in addressing this topic.
 The life insurance industry is dominated by commission-based providers.
Even the most well-intentioned insurance agents suffer from an inherent conflict of
interest because they are compensated based on what they sell.
Without an advocate that is looking out for their best interests, insurance consumers
are at the mercy of their insurance agents and the companies represented by those
agents.
Consumers have few places to turn to for unbiased advice.
49
Life Insurance Today: The Realities
49

50. At-a-Glance: Fee-Only Life Insurance Advice
A fee-only life insurance advisor's compensation is based only on time, such as an
hourly fee, not what's sold. They receive no commissions or incentives.
Most fee-only life insurance advisors focus on a clientele that is planning to purchase or
re-evaluate a permanent life insurance product.
Typical clients for fee-only insurance advisors include:
 Individuals considering the purchase, replacement, termination, or sale of a policy
 Professionals such as estate planning attorneys, financial planners, accountants and
insurance trust trustees
o Adding a fee-only life insurance advisor to your client team adds value, credibility and
strengthens your client relationships
o Using a fee-only life insurance advisor also assists professionals in meeting fiduciary and ethical
obligations to clients
 Business owners who offer life insurance as part of their compensation or benefit plans,
or need to use life insurance for other business purposes
50
How does fee-only life insurance counsel work?
50

51. Advantages of Fee Based Insurance
 Soltis is not compensated by insurance commissions
 Results are driven by analysis and needs of client
 Process promotes benchmarking of all policies
 Seeks most competitive insurance solution from strongest
rated insurance companies
 Environment is a fee-only oriented process
 Acknowledgement of fiduciary status
 Provider is a member of the Soltis Wealth Management
Collaborative Team
5151

52. Multi-Generational Planning
52

53. 53
Full Family Planning Solution:
Financial, Estate, and Legacy
FINANCIAL PLANNING
Protecting & Growing
Your Money for You
Retirement Risk
Management
Asset
Management
ESTATE PLANNING
Preparing Your Money
for Your Family
Will / Trust Durable Power
of Attorney
Advanced
Directives
LEGACY PLANNING
Preparing Your Family
For Their Inheritance
Family
Legacy
Family
Organization
Family
Experiences
3 Elements of Effective
Multi-Generational
Planning

54. Soltis Investment Advisors
20 N. Main Suite 400
St. George, UT 84770
222 S. Main Suite 1776
Salt Lake City, UT 54101
SoltisAdvisors.com
(800) 735-1601 (435) 674-1600