“WourLosopresetedto:nsetclentamelPresertedby:DnsertAdvserNamDate:inserDataTableofContentsIntroductiontoOurFrmOurTeamOurWealthManagementProcessOurQualifcationsYourersonalizedWealthlan张弯弯洁弛浩NextStspsWourtoco仁PIRMMAMEJweunderstandtheuniquechalengesthatcomeimanagngwealuFormorethanXXyearswehaveservedasatrustedpartnerofindiMdualsandfamilesproidingweathmanagementguidanceandsolutonsbasedonathoroughunderstandingofeachcentsstuaonandgoalsWebrngprovenexpertsetobearoneveryaspeetofaclentswealth-omaccumulstonandgrowihthrouahpreservatonanddetnttutiorBytakinganobjedtveandprosetveapproschthatrefectsthenuancesandcomplextiesofesehstuaton,wecontnue的buldtrustedrelstonsfipsPHoTOOFTEAMHEREProfileEaoeteetEEgererceeAvengeclentretitonshpxxor江prolessoratyearsyearsWourtooOurTeamofExpertsAdviserHeadshotAdviserHeadshotJohnSmithcFASenlorfnancalhdviserJohnhasbeenwithFIRMNAMEJformorethanXXyearsheiphgourcientsreslzetheirfnancalgoalsNamledusturpiyvulputateacbibendumvelyulputateatjosto.VvamusposuereluctusnuncSedstametlgulaDonecsagitisCrasscelersquetemporestNulefalistAlquamsemperlectuseuvenenatisauctorleoipsumcondimentumestmattisdaplbusnullaarcuportaantecjallyoneyCFAssotenancaldvierSalyhasbeenwithHRMMAMEJformorethanXXyearsheipingourclentsrealietheirfinancalgoals.Namnectusturpisvulputateacblbendumvelvulputateatjusto.VamusposuereuctusnuncSedstametlgulaDonecsagltis.CrasscelersquetemporestMNulafaclisl,Alquamsemperlectuseuvenenatisauctorleoipsumcondimentumestmattsdoplbusnulsarcuportaante.WourtooOurWealthManagementProcessAsourclientyouWillbenefitfromacollaborativerelationshipthataddresses一andanticipatesyourneeds,WefollowarigorousanddisciplinedwealthmanagementProcessthatprovidesastructuredapproachwhileallowingforcarefulcustomizationasyouruniqueneedsandsituationdictate.UnderstandyourgoalsTonroeecnmneuorg玲伟weseespeemoeeweseerneyestyon3w河createnpC00reesyeupenloandpeasPlannEWeeayyespeeteesensyocoignoaaappotyeraneeeCraftyourportolio孰WourtooOurDifferenceRecognizingthatnotwocientsarealike,wetaketheimetolisten一andtounderstand一yourparticularrcumstancesgoals,andaspirations,Thisunderstandingservesasthebasisfromwhichwedevelopanintegratedplanthataddresseseveryfacetofyourwealth.Ourcomprehensveapproachisdesignedtocreateaplanthatachievesyournear-andlong-termgoals.Whencraftinganintegratedwealthmanagementplan,wedrawonourexpertiseinthefollowingareas:*FnancialplanringsBusinesscuccession*Retirementincomeplanning*Intergenerationalwealthtransfer*Estateplanning。Phianthropy*TaxplanningWourtooInstitutionalThinkingforIndividualInvestorsWebelievethatindividualsandfamilieswithsignifcantwealthcanbenefitfromtherigorandsophisticationthattypicallycharacterizeinstitutionalportfoliomanagement、Ourapproachtomanagingclientassetsisrootedinthefollowingcorestrengths:Deepunderstanding.Beforeweinvestanymoneyforacientwefrstdeterminetheclientsgoals,toleranceforrisk,andimehorizon.Wemeasurethesefactorsagainstourextensiveknowledgeofinvestments.Oniythendoweconsiderassetallocationanddiversifcation.DisciplinedportfoliaconstractionPasedonthespecificsofbachciisntssituation,weprovideexposurstoanappropfiatemixoftraditionalandncntraditonalassets.Wealsoseektoprovidediversifcationwithineachassetclass-acrosssectorsindustriesyandcountries.RigorousoversightWhenimplementingaclientsinvestmentstrategy,weuseastnngentprocesstoscreentopmoneymanagersselectingonewhomeetsthecbjectivesestablishedforthatient,Oncetheappropriatemanagerhasbeenchosen,weprovideongoingoversightandmakechanges2sappropriate。WourtooFactorstoConsiderWhenSelectingaFinancialAdviserThefinancialadviseryouchoosenotonlyWillhaveaccesstointimatedetailedinformationregardingyourpersonalnancesbutalsoWillbetheindividualentrustedtomanageyourfinancialfuture,Makesureyouradviserhas:StrongethicsTheintegrityofyouradvisersoftheutmostimportance,步isessentialthatyoucanbeconfidentthatyourinterestsWillalwayscomefirstAglobalperspective.Inanever-changingglobaleconomy,youradviserneedstohavetheresourcesandexpertisetoidentifyinvestmentopportunitiesbothdomesticallyandabroad.Knowledgeandexperience.Managingyourwealthisaboutmuchmrethanpickingstocksormutualfunds;itrequiresanunderstandingofeconomicscorporatefnance,assetvaluation,andportfolioconstructionandmanagement、Industryrecognition.Whilethereareanumberofreputablecredentialsinthefinancialindustry,noneareasrigorousorasWidelyrespectedastheCharteredFinancialAnalysts(CFAdesignation.WourlooE怀一沥e怀e途TheCFAcharterisawardedtoaveryselectgroupofnvestmentadviserswhohave:。Masteredarigorouscurriculumthatrequireshundredsofhoursofstudyoveratleastthreeyearsandhavepassedthreeincreasinglydiffcultlevelsofexamination.*Demonstratedtheirmasteryandexpertiseinapplyingthisknowledgeacrossabroadrangeofinvestment-relatedsubjectsInvestorsrecognizetheCFAdesignationasthedefinitivestandardformeasuringcompetenceandintegrityinthefieldsofportfoliomanagementandinvestmentanalysis.*CommittedtoeingheldtethshighestethicalstandardsinslldealingswithinvestorclentsWourtooMoreThanEver一IntegrityandEthicsMatterTheCFAdesignationsymbolizesthepinnaceofprofessionalintegrity.*CharterholdersmustcomplywiththeCFAInstituteCodeofEthicsandStandardsofProfessionalConductwhichrequiresthemalwaystoplacetheclientsInterestsfrsttomaintainindependenceandobjectivity,andtoservewithintegrityandhonesty.*Shouldanethics-pasedcomplaintbelodgedagainstaCFAcharterholderthecharterholderisrequiredtodisclosethesecomplaintsinfulldetailtoCFAInstituteandriskslosingtherighttousetheCFAdesignation.*CFAInstitutecontinusliywortswithltsincmmbersandinductnthewayinsettingstandsrdsforfnancialierortinginternaltiethicalprindiples:utbaritiestoleadaccounting,andWourloom