PATHWAYFINANCIAL SYNERGIES

PATHWAY: Wealth Accumulation and Financial Planning

Unbiased, actionable advice for building lifelong wealth

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.

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

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:

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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

$

Your Financial Synergies Team

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YOULeadAdvisor

Associate Advisor/Financial Planner

Director of Operations/Client Service Associates

FinancialSynergies

Investment Manager/Analyst

CharlesSchwab

Manages relationshipand leads meetings

Operationally support advisorsand investment manager

Supports lead advisor and communicateswith client

Constructs, implements, monitors and analyzes portfolio

Coordinates with CPA, estate planning attorney and other outside professionals

Serves as custodian of assets

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

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Services

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

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.

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How We Work

*Fees are payable quarterly and deducted automatically from the portfolio.

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 77027713-623-6600info@finsyn.com | finsyn.com