FINANCIAL PLANNING - guiding you toward better financial decisions.

To help you reach financial solutions that matter to you, our services include but are not limited to:

• Cash Flow Spending Plan
• College Funding Strategies
• Determine "When Can I Retire?"
• Personal Insurance Needs Analysis
• Determine Your Personal Risk Profile
• Second Opinion on Portfolio Allocation
• Retirement Plan Distribution Strategies
• Retirement Plan Accumulation Strategies
• Select the Employment Benefits Best for You
• Determine How Much To Spend on a 2nd Home
• Ask about Our "Day Planner" Service with Lunch
• Employee Stock Option Advice with Tax Planning
• Estate Planning with our recommended attorney or your preferred attorney

Implementing Your Portfolio: 3 options

1. A & H offers a step-by-step service to implement your portfolio allocation through Shareholder Service Group at our hourly rate or flat fee (see fees below). Under this option we are pleased to offer our clients Dimensional (DFA) funds.
2. A & H offers to liaison your portfolio implementation with a nationally known passive manager at our hourly rate or flat fee (see fees below).
3. You may wish to implement your portfolio on your own. The recommended allocation provided in your plan is based on an investor who at the time of these recommendations has affirmatively decided to invest on their own without the monitoring, reporting, and assistance of professional management outside that of the individual mutual funds. Under this option, the planner is NOT implementing this allocation, therefore the client is responsible for execution of the allocation in all respects.

FEES FOR SERVICE -

• Financial Plans: each client has a personal estimate drawn up prior to beginning the plan. The fee is ultimately based on your needs and the complexity of your personal situation. Plans are detailed, specific, and designed to answer each of the questions you present. The estimate is based on our hourly rate of $225/hour and most plans run 12-20 hours ($2,700 - $4,500).. A $500 deposit is due up front and the balance is paid at plan presentation.

• Hourly consulting: Billed at the hourly rate of $225/hour. Please see potential areas of hourly consulting in the list above. This is also how implementation of your portfolio is billed.

• Day Planner Service: On the spot planning with no follow-up. Financial check-up is completed over 4 hours. Catered lunch with recommendations from 11:30 a.m. - 12:30 p.m, if desired. Offered 4 times a month on a first come, first serve basis. $899 flat fee - $450 up front and balance due at plan presentation.