r u o Y F n a n i i c l a Game Plan

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1 Your Financial Game Plan

2 THE BENEFITS OF A FINANCIAL GAME PLAN In sports, it s important to have a game plan to enable you to compete at the highest level. And you need an effective coach to provide guidance and direction. Likewise, when it comes to your finances, it helps to have a financial game plan and a financial coach to provide you with the best chance of success over the long term. Summit Wealth Advisors, LLC is a wealth management firm dedicated to providing the financial coaching and financial game plan you need to achieve your financial goals. We have a team of financial professionals who specialize in the areas of investment management decisions and financial planning. We can help you make appropriate decisions on how to preserve and grow your wealth to help provide financial security and protection for your family for generations to come. Summit Wealth Advisors, LLC combines highly personalized service with experience. Our mission is not merely to manage the wealth of our clients; it is to create an environment of simplification, accountability and reliability. Review our playbook to learn more about the services we can offer and how we can help you develop a successful game plan for your financial future.

3 Why you need financial planning Financial planning addresses seven key areas of your life: Outlining your values and goals Determining your current financial position Providing financial protection for you and your family Making sure your money is working hard for you (investing) Providing financial security after your career (retirement) Making sure your assets aren t being eroded by taxes (tax planning) Providing a legacy for your children and family (estate planning) Who needs a financial game plan? Anyone who wants to achieve his or her life goals needs to plan. Developing a financial game plan helps provide you with: Confidence in your investments The potential to retire earlier The potential to pay less in taxes The ability to keep from running out of money The ability to maintain your lifestyle after you retire The opportunity to be in charge of your own legacy Summit Wealth Advisors, LLC can help you pursue your goals and dreams, while protecting your family, income, and future. We can help you prioritize your financial goals, and align your long-term objectives and personal values with your investment and retirement strategies. In a world where you are largely on your own when it comes to financial preservation, we believe it pays to have a professional on your side. A coach walking with you every step of the way to help make sure your financial game plan provides you with the best chance of success.

4 To achieve success, it takes patience, discipline and a coach Our approach begins by working closely with you to identify your financial needs and preferences and to understand your short- and long-term goals as they relate to your existing assets. Our unique strength lies in the combination of professionalism, service and objectivity through an all-inclusive approach to managing your financial game plan. At the heart of Summit Wealth Advisors, LLC is the desire of our Wealth Management Advisors, who offer investment advice through WFG Investments, Inc., to clearly organize, implement and monitor your complete financial life with the intent to simplify your financial responsibilities and allow you the freedom to pursue your other interests. We seek clear, practical solutions to the complex challenges that you face to help you improve control over your financial future. Unique, personal, one-of-a-kind service Your game plan to reach your goals is unique and personal. We provide you with a highly customized financial game plan that reflects your personal definition of success. Our approach is focused on providing a personalized portfolio strategy that s specially designed for you. This plan is based on your unique needs, goals, and comfort level, and is designed to encompass all of your financial life. The financial advice that we provide will reflect what s most important to you, pinpointing your financial objectives and identifying specific strategies for turning your dreams into realities.

5 Our investment process We enable you to create a custom investment plan with the guidance of in-depth professional consultation, while maintaining your ability to adjust your portfolio to meet your specific needs. We ll help you develop a Custom Style Portfolio that provides you with a diversified managed account customized to your needs and preferences. This process includes: 1. Understanding your personal goals as well as your comfort with risk. 2. Identifying the right asset classes and investment vehicles for you based on your risk profile, objectives and investment time horizon. 3. Formalizing your investment strategy by creating a written, custom Investment Policy Statement (IPS). 4. Selecting the appropriate investment portfolio based on the financial information documented in your IPS. 5. Monitoring your portfolio to ensure it remains true to your needs and objectives. We monitor the investment managers in your portfolio so you don t have to worry about them fulfilling their stated objectives. 6. We rebalance your portfolio on a regular basis, ensuring it stays in alignment with your stated investment goals. 1. Set Personal Objectives and Create Risk Profile 2. Develop Individual Asset Allocation 3. Create Personalized Investment Policy Statement 6. Communicate and Rebalance 5. Monitor and Adjust the Portfolio 4. Build and Implement a Model Portfolio There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment.

6 The managed account advantage Your Custom Style Portfolio offers unique advantages because it provides a level of service, sophistication and customization typically reserved for very wealthy investors and institutions. Access to institutional money managers. Benefit from the wisdom of institutional money managers whose experience and expertise typically is not available to the average investor. A high level of portfolio customization. You enjoy customized control of your investments, and can choose to exclude individual securities or entire social sectors. You can also select management strategies, rebalancing frequency and your own tax lot preference. Broad diversification. Your portfolio is invested across multiple asset classes, investment styles and institutional money managers, helping you pursue your financial goals intelligently while attempting to minimize risk. Tax efficiency. You won t pay taxes on embedded gains, because you own the underlying securities in your account. In addition, you can select from eight different tax management options to better align your tax strategy with your investment strategy, as well as take advantage of year-round tax harvesting. Complete access to all account information. You enjoy extensive diversification within one account, with one statement, one performance report and one convenient Web site where you can access your account information 24/7. Independence is our advantage As an independent firm, we have broad access to an extensive array of products and services without being tied to one company. This frees us to dispense impartial advice to you, keeping your needs first. Also, our referralbased business allows us more quality time spent serving you. This information is not intended to be a substitute for specific individualized tax, legal or investment planning advice.

7 Let us help you develop your financial game plan today You can count on Summit Weatlh Advisors, LLC., to deliver a highly customized financial game plan for your future. We specialize in helping investors like you build strong portfolios designed to help you work toward your financial goals. To learn more about our services, please contact us today. We would be happy to schedule an appointmentat a time that is convenient for you. Our Wealth Management Services New investment opportunities Financial planning Retirement planning Tax planning Corporate Retirement Plans Estate and wealth transfer planning Charitable giving and philanthropy Insurance and risk management solutions 529 Plans

8 ABOUT SUMMIT WEALTH ADVISORS, LLC Summit Wealth Advisors, LLC combines highly personalized service with the vast resources of a large institution. Our approach begins by working closely with our clients to identify their financial needs and to understand their short- and long-term goals as they relate to their existing asset base. We recognize the need for financial education. Workplace financial education can benefit both the employer and employee. Improving an employee s knowledge of basic financial concepts can result in better financial decisions and overall financial well being. Our unique strength lies in the combination of expertise, service and objectivity through an all-inclusive approach to managing the wealth of our clients. Our vision of creating the best environment is highly supported with what we are all about: clients. Meeting the diverse needs of our clients requires in-depth knowledge and experience. Our collective skills can help clients with a number of financial issues and needs. It is our purpose to seek clear practical solutions to the complex challenges that clients face to help them improve control over their financial futures W. Thunderbird Road Suite # 100 Peoria, AZ (623) WFG Investments, services through WFG Advisors, LP, a registered investment adviser. Summit Wealth Advisors, LLC with WFG Investments, Inc. or registered as a broker/dealer or investment adviser.