Wealth Management Since

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1 INVESTMENT MANAGEMENT WEALTH PLANNING FAMILY LEGACY Wealth Management Since Capital Planning Wealth Management Since 1983 ADVICE, EXPERIENCE & INDEPENDENCE Our Firm For over 30 years, Capital Planning has assisted our clients including; corporate executives, business owners, entrepreneurs, and high net worth families with building and preserving wealth through investment management, wealth planning, and family legacy services. Advice From the beginning, one of Capital Planning s guiding principles has been to deliver independent and unbiased advice to assist our clients as they navigate through significant life decisions that impact their wealth. Our clients rely on our experience and time-tested strategies to help guide them through major life events such as retirement, the sale of a business, or planning their family legacy. Experience Our senior advisors have an average of over 25 years of wealth management experience and have been with Capital Planning for an average of 15 years. This provides our clients with confidence in the commitment and stability of our advisory team. Independence We strongly believe that our structure as a fee-based registered investment advisory firm positions us to offer the best solutions to our clients. FIRM PROFILE As an independently owned organization, we are not affiliated with any other financial institution. Our advisory team represents the interests of our clients through objective, independent investment and wealth planning advice. We offer a client-centric environment including: Strategic Wealth Planning Services Broad Spectrum of Investment Solutions Generational Wealth Perspective Teamwork Experience & Stability Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

2 Wealth Management Since Strategic Wealth Planning Services We offer our clients a strategic process that systematically addresses eight key components of their financial lives. It begins with an in-depth wealth assessment that identifies planning gaps, priorities are then set, and wealth solutions are developed and implemented. This can include collaboration with other service professionals as needed. Broad Spectrum of Investment Solutions As an independent registered investment advisory firm, not owned or controlled by any other financial institution, we are able to offer a broad spectrum of investment solutions. We have an open architecture investment platform, which means we have access to a wide range of investment vehicles that can be made available for your wealth management plan. Accounts are held at leading custodians, which allows access to such capital markets as fixed income, equities, exchange traded funds, mutual funds, and alternative investments. Generational Wealth Perspective An ancient Hebrew proverb states, An inheritance quickly gained will not be blessed in the end. Since that time, families of all ages have learned, to their dismay, that wealth seldom survives three generations. Our process of developing your FamilyPACT includes a focus on generational wealth preservation to help you create a lasting legacy for your family. Teamwork Each client is served by an advisory team consisting of a lead financial advisor and a client service associate. They are your dedicated service team and main points of contact. Our experienced advisory teams work with a limited number of clients, which allows them to devote the necessary time and attention to each personal wealth plan. When needed, specialists are available from the financial advisory, portfolio administration, and investment research teams. Experience & Stability When you engage a financial advisory firm to help manage and preserve your wealth, you want a team that will stay with you for the long term. For the past 30 years, Capital Planning has been owned and managed by financial advisors that have lived, worked, and played in the Pacific Northwest. In addition, our long term business plan provides for an experienced and dedicated team that will span generations and continue to meet the ongoing needs of our clients. To learn more about how we can help you and your family, please contact our office to schedule a complimentary meeting. Visit our website for more information including: Newsletter Events Resources Capital Planning Capital Planning Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

3 INVESTMENT MANAGEMENT WEALTH PLANNING FAMILY LEGACY Wealth Management Since Investment Management A BROAD SPECTRUM OF INVESTMENT SOLUTIONS WEALTH MANAGEMENT SINCE 1983 Investment Services Your investment portfolio is the engine that powers your wealth plan and gives you the potential to reach your long-term goals. Our approach seeks to put our clients in a position to capture returns from market growth over time. We are experienced, patient investors, who rely on well-diversified portfolios. Investment Management Process Every investor has their own unique circumstances. We use a distinctive seven step process to uncover your goals, objectives, and concerns. This systematic approach provides the foundation to develop your strategically focused investment portfolio. Plan We will work with you to understand your overall financial planning vision, goals, and objectives. Determine We help you determine your return objectives, risk temperament, time horizon, income needs, tax and social sensitivity, and other objectives to develop an investment profile. Develop A diversified investment plan is developed based on your investment profile with key elements recorded in an Investment Policy Statement. Implement Your plan will be implemented with a diversified investment portfolio selected from traditional and alternative investment managers. Monitor We monitor your portfolio and recommend or make adjustments as needed according to your Investment Policy Statement. Report We make available web-based solutions that will provide performance, income, and tax reporting. Update We will meet with you on a regular basis to review your portfolio and adjust your investment objectives as necessary. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

4 Wealth Management Since Portfolio Design Today s investors are faced with an environment of rising risk and uncertainty. Economic concerns, low interest rates, and demographic shifts combine to create a challenging climate. We believe an investment portfolio should be designed to: Address systematic (market) as well as unsystematic (investment) risks Adapt to ongoing market conditions The result is a dynamic portfolio in which the overall asset allocation may change in different market environments in an effort to maintain attractive risk and return characteristics. Our dynamic approach is designed to bring an intelligent refinement to traditional buy and hold investing. Based on your unique circumstances, we will create a portfolio with an asset mix that incorporates these broadly defined asset classes: Investment Portfolio Design Portfolio Reporting Once your account is established, we provide access to a web-based investment reporting solution that supplies the following: Market Commentary Performance Asset Allocation Portfolio Analytics Transaction History Cost Basis, Interest, Dividend, and Capital Gain Status Projected Portfolio Income Investment Spectrum In creating a well-diversified portfolio we believe in considering a broad spectrum of investments. Investment Assessment If you would like to learn more about how we can help you and your family, please call to schedule your complimentary meeting. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

5 INVESTMENT MANAGEMENT WEALTH PLANNING FAMILY LEGACY Wealth Management Since Wealth Planning A solid strategy for success SOLUTIONS FOR YOUR UNIQUE SITUATION Wealth Planning Principles Every client has a unique set of needs, circumstances, and family dynamics. Our approach is to provide unbiased and objective advice based on the following integrated principles: OUR FIRM For over 30 years, Capital Planning has assisted our clients including; corporate executives, business owners, entrepreneurs, and high net worth families with building and preserving wealth through investment management, wealth planning, and family legacy services. Clarity We help you develop a clear understanding of your goals and evaluate planning strategies to address them. Capability We bring a disciplined and strategic process that helps you identify the gaps in your wealth plan and develop solutions to meet your goals and objectives. Collaboration We serve as your primary wealth advisor, facilitating the collaboration of your other service professionals in the wealth planning process. Confidence We help you establish clear objectives and contingency plans so you can develop confidence and peace of mind. Our mission is to empower our clients to enjoy their lives by managing the complexities of their wealth. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

6 Wealth Management Since Our Wealth Planning Process Four Phases of Wealth Planning We lead you through a four phase strategic process that systematically addresses eight key components of your financial life. Four Phases of Wealth Planning Wealth Assessment Wealth planning, when done well, is a complex set of tools set up to help you implement your wishes. Different for everyone - there is no set design or cookie cutter version of a successful wealth plan, it simply depends on you. With that in mind, picking the right team can really make a difference in the results. You need a team that can coordinate the different components so you can focus on what matters most. To make sure you have covered the important aspects in your wealth plan or to get started thinking about what is important to you, request your Wealth Assessment Questionnaire by calling our office. It is a great tool to get you thinking through the most important plan of your life. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

7 INVESTMENT MANAGEMENT WEALTH PLANNING FAMILY LEGACY Wealth Management Since Family Legacy BUILDING WEALTH FOR GENERATIONS Family Legacy An ancient Hebrew proverb states, An inheritance quickly gained will not be blessed in the end. Since that time, families of all ages have learned, to their dismay, that wealth seldom survives three generations. Our four phase process of developing your FamilyPACT is designed to help you create a lasting legacy for your family. Plan Together, we create your family constitution, to record your family vision, mission, values, and guiding principles. Your adult children can participate through facilitated family meetings. This document will become the foundation for your family s important decisions, communication, and plan for preparing future generations. Alignment The next step is to assess and align wealth, estate, and governance plans to your family constitution. A family office can be established to serve family members by creating pricing and access leverage for investment and wealth planning services. If the circumstances involve an operating company, a board of directors can be constituted, which typically includes at least three non-family members from industries that can provide high value leadership. A family council can be created that will serve as the governing structure for your family office, retreats Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

8 Wealth Management Since and meetings, foundations, and other family initiatives. An executive succession plan for the business should be drafted or updated. Family policies are established to provide clarity for the family council leadership. Estate plans are updated that coordinate your family s new and shared generational vision. Below is an example of the organizational chart of the governance plan. Communication Once the family constitution, governance, and wealth plans are established, it is important to Governance Chart create your plan for family communication. One of the greatest challenges to the success of your family legacy can be the lack of family unity. For some families this has not been a problem, but it is important to be proactive in addressing this risk. For other families, conflict has created deep division, which may require reconciliation counseling. Best practices used by successful families to enhance communication are accomplished through family retreats and meetings. The leadership of these meetings can rotate between family members. The purposes of these events are to promote family unity, share family folklore and history, create memories, conduct business, and have fun. Training Finally, a training and mentoring plan to prepare heirs is an essential initiative in preserving your family legacy. We recommend an age-based mentoring template, customized to meet your family s specific objectives. Mentoring opportunities can be planned for your family retreat with common themes such as leadership, entrepreneurship, stewardship, and community service. In addition, initiatives can be scheduled to involve younger generations in the business at various stages, as well as charitable service projects in which all family members can participate. Family Legacy Assessment If you would like to learn more about how we can help you and your family, please call to schedule your complimentary meeting. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA

9 Take Control of Your Financial World Organizer Connect all your accounts and information for an organized, consolidated view. Financial Workshop See if you re on target to reach your most important financial goals. Education Center Your own library of videos, articles and resources to increase your financial knowledge. Vault Safely store your most important documents for quick and easy access. Spend Tracking Budgeting Tools Digital Postal Mail Investments Know how much you re spending and where. Set budgets to help you reach your savings goals. Safe and secure online delivery of your important US postal mail. Interactive charts and detailed views provide you with increased visibility into your accounts. Organize Know Monitor Collaborate

10 Your New Personal Financial Website ^ Mobile The Answers You Need, Wherever You Are. All Your Accounts on One Page. See Your Transactions. Get Updated on Your Investments. Monitor Your Spending. Track Your Progress Towards Your Goals. Access Important Documents. Your Personal Financial Mobile Website can be accessed on the iphone, Android, Blackberry and most other popular smart phones. Here s how to get started: 1. Request an with a link to your mobile site. You can find the request option on the bottom right corner of your full Personal Financial Website s home page. 2. Using your smart phone, access your and click on the URL provided. Before logging on, add or save the link to your smart phone s Home Screen. 3. The first time you logon enter the same User Name and Password you use to access your full Personal Financial Website. After this initial logon, you ll be prompted to register your device and create a 4 digit PIN for even easier access in the future. Have questions? Give us a call or send us an , we are here to help.

11 INVESTMENT MANAGEMENT WEALTH PLANNING FAMILY LEGACY Wealth Management Since Michael D. Miller, CFP, ChFC Founder & CEO James E. Kelley, Jr., CFP President & COO Our Team David L. Dunn CFP CPA/PFS Senior Wealth Advisor Stephen P. Emanuels CFP, CPA/PFS, CIMA Senior Wealth Advisor, Principal J. Michael Quigley CFP Senior Wealth Advisor, Principal Brenda J. Lee AAMS, ChFC Financial Consultant Crystal L. Mason Portfolio Specialist Courtney O'Hanrahan Client Service Associate Anna Grigas Client Service Associate Our mission is to empower our clients to enjoy their lives by managing the complexities of their wealth. Capital Planning, LLC NE 4 th Street, Suite 1030, Bellevue, WA