The Heffernan Team Your Family CFO

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1 The Heffernan Team Your Family CFO

2 Our Team From left to right: Andrew Hoffman, Cynthia Kirkpatrick, Mark Heffernan, Kristen Stachowski, and Jacob Allaman.

3 We know these concerns can keep you up at night. As Family CFOs, our goal is to eliminate these anxieties for you and your family. We serve as your financial advocate, providing not only the knowledgeable advice you expect but the Raving Fan service you deserve. We care about our clients, take great satisfaction in seeing their goals fulfilled and go the extra mile to ensure they are attained. You can put your mind at ease knowing you have a trusted partner committed to acting only in your best interest. Is my wealth protected? Can I retire when I want? How will changes in tax laws affect me?

4 Estate Planning Financial Independence Investment Strategy Risk Management What is a Family CFO? Tax Planning Serving as your advocate Company Retirement Plans As Family CFOs, we coordinate the financial affairs of successful families and institutions just as a Chief Financial Officer does for a corporation. Our attention to detail and technical expertise help us provide a depth of personalized, conflict-free advice on a range of financial issues. We deliver all of this through a comprehensive service model that has a single objective: to help you achieve your financial goals. Money Management Concentrated Stock Diversification Education Funding

5 Designations Designations Did you know that Moneta Group employees hold more than 180 professional designations? AWMA, CFP, PFS, CLU, J.D., MBA, CFA, AFI. If it s just alphabet soup to you, don t feel alone. At Moneta Group we re more than a jumble of letters; we re the expertise, experience, education and training those letters represent, and we put it all on the line for your financial future. Members of the Heffernan Team hold two CPAs (Certified Public Accountant), three CFPs (Certified Financial Planner), a PFS (Personal Financial Specialist) and three MBAs (Masters in Business Administration).

6 We are proud to be part of Moneta Group and its rich history dating back to Consistently ranked among the largest independent investment advisors in the country, our firm serves families and businesses nationwide. In the changing landscape of the financial services industry, Moneta Group stands out from the crowd due to our: Why Moneta? Fiduciary Standard We embrace our fiduciary responsibility to work only in the best interests of our clients. Suitability is not enough. Expertise We pursue professional designations and continuing education opportunities to ensure we deliver the quality of advice clients expect. Resources Support from Moneta s talented management team and professional staff allows our focus to stay where it belongs: on you and your family. Independence Moneta Group is owned entirely by its principals so we answer only to our clients not to outside shareholders. We are 100% aligned with your success. Objectivity We work on a fee basis and receive no compensation from investments, allowing us to recommend only the products and services that provide the best solutions for you. Scale Our size and industry reputation provides access to institutional strategies and cost savings which directly benefit you.

7 Our Promise We thrive on managing the complexities of your financial affairs to give you the freedom to live the life you have worked tirelessly to achieve. We are committed to creating and maintaining the high level of trust necessary for enduring, multi-generational relationships and intend to be here for you, your children and your children s children. Throughout our collaborative relationship, you can expect to: Be cared for and feel valued and important Have confidence in our knowledge and expertise Experience our commitment to your financial security Partner with us in pursuing your goals with a concrete, well thought-out financial strategy Have us serve as an impartial sounding board and facilitator for family financial meetings Receive clear advice and related action items through our regular meetings Get to know our team personally and trust we will respond to your needs in a timely manner

8 Moneta Group Awards and Accolades Top Workplace - St. Louis Post-Dispatch Ethics Award - St. Louis Post-Dispatch Top 4 Trusted Advisors - National Advisors Trust Top 5 RIAs in Country - Financial Advisor Magazine Top 300 Financial Advisors - Financial Times Magazine Best Wealth Advisor - Ladue News Platinum Awards Best in Customer Service - Small Business Monthly Best for Family CFO Services - USA - Wealth & Finance INTL Family Office of the Year - Missouri - Wealth & Finance INTL

9 Initial Interview Discuss Goals & Financial Assessment Financial Action Plan Plan Implementation Ongoing Review & Reassessment Our Planning Process Using an established process, we deeply explore your family s unique financial situation and focus on what matters most to your future. We reflect on your goals and develop tailored solutions to help you attain them. The end result is a comprehensive plan for your financial future tied directly to your family s objectives with an ongoing commitment to implementation and monitoring as your circumstances change.

10 Documents We believe it is essential to review all aspects of your family s financial situation as decisions you make in one area can often impact your goals in another. In order to provide the most comprehensive Financial Action Plan for your family, it would be helpful for you to provide us with the following information as it applies: Tax returns Investment statements Bank account balances Estate document copies (will, trust, power of attorney, etc.) Insurance coverage details (life, long-term care, disability, etc.) Company benefits information (pension, stock plans, retirement accounts, etc.) Pension and Social Security projections Mortgage balance and terms

11 Mark D. Heffernan CPA, CFP, PFS, MBA Moneta Group Principal Mark Heffernan serves all of his clients as their Family CFO. As principal financial advisor, Mark places high importance on making life easier for his clients. Mark has been widely quoted in both local and national financial articles, and has been recognized with the Schwab IMPACT Best-In-Business Award in 2007 and the Five Star Wealth Managers Best-In- Client Satisfaction Award annually since Armed with significant expertise and over 25 years experience in financial and investment planning, Mark works to help clients make the best decisions in every situation. Mark earned his BSBA in Economics from University of Missouri in 1986 and his MBA in Finance from Saint Louis University in Prior to joining Moneta in 2003, he gained many years of industry experience, including time with Price Waterhouse and A.G. Edwards in St. Louis. Today, the Heffernan Team works to alleviate the fears and ease the burden on their clients in dealing with the complexities that come from having wealth. They strive to build trust and put clients interests first in order to give them the confidence that they are truly receiving unbiased advice. Direct: (314) Outside of his work at Moneta, Mark is heavily involved in the St. Louis community. He has served on many boards, including time as president of Chaminade College Preparatory School Alumni Board, a member of the Board for the Mary Ryder Home, and as a member of the Barnes-Jewish Hospital Foundation Planned Giving Committee. He continues to serve on others, acting as the Board President for the Chaminade Board of Trustees and Treasurer of Moneta Group Charitable Foundation. Mark and his wife Cindy have three children. They have a love for the outdoors and enjoy fishing, hiking, golf and tennis.

12 Moneta Group Investment Advisors, LLC 100 S. Brentwood Boulevard, Suite 500 Clayton, MO monetagroup.com Phone: (314)