Financial Design for Li fe

ASSET MANAGEMENT SERVICES

1230 Peachtree Street, NE Suite 1800 Atlanta, GA 30309 404 253 7600 www.signaturefd.com

600 Peachtree Street, NE Suite 2700 Atlanta, GA 30308 404 253 7600 www.signaturefd.com

SIGNATUREFD DIFFERENCE

Asset ManagementLIVE FULLY WHILE YOUR WEALTH WORKS FOR YOU

Your financial wealth is the result of great personal investment on your part. Investment of your time, your talents, your values, and your commitment to your goals. You’ve worked hard for it. But the true return on that personal investment is more than just your financial wealth. It is what your wealth represents to you and your family. So, to fully realize all that your wealth can do to help you live a great life, you must continue investing.

OUR PHILOSOPHY

At SignatureFD, we are your wealth manager, not just your portfolio manager. We manage the total financial picture to help you live a great life. We have an integrated and customized approach to investment consulting that is designed to preserve and grow your capital so that you can live fully knowing your wealth is now working hard for you.

W E B E L I E V E E X P E R T P L A N N I N G A N D S T R O N G I N V E S T M E N T P E R F O R M A N C E I S T H E C O R N E R S T O N E T O S U C C E S S F U L LY M E E T I N G YO U R F I N A N C I A L G O A L S .

OUR APPROACH

Our investment approach delivers the benefits of a sophisticated understanding of the capital markets, thoughtful and forward-looking asset allocation, diversified portfolio structure, specialist investment managers and continuous portfolio management. We believe a well-designed portfolio will be goals based, growth oriented, diversified, value driven and defensive. This approach adds value and reduces risk, simplifying your financial life and freeing you to enjoy the true wealth of life.

ADVICE, PLANNING & SERVICE

We believe these things can never be

commoditized and we differentiate ourselves

based on our level of competency, care

and integrity.

ALIGNMENT OF INTERESTS

We put your best interest first. We are

transparent and our independent business

model provides an objective environment to

hire the best specialist managers available.

CONTINUITY & CONSISTENCY

We work with you to establish long-term

trust and partnerships. As owners, our

advisors are dedicated to being there, adding

value, and exceeding your expectations.

RESULTS ORIENTED

We use your success to measure our own.

Our focus is to help you achieve your goals

by maximizing your returns, minimizing your

taxes and expenses, and mitigating your risk.

VALUE-DRIVEN OPPORTUNISTS

We add value through strategic and tactical

asset allocation as well as careful selection

and monitoring of money managers. We

work to identify and exploit opportunities

across the investment spectrum for you.

1230 Peachtree Street, NE Suite 1800 Atlanta, GA 30309 404 253 7600 www.signaturefd.com

GOALS BASED

The purpose of an investment strategy is to help you accomplish your goals. While your portfolio can outperform the markets, it will do you no good unless your goals are met. In order to increase your chances for success, we will need to clarify what you are trying to accomplish, over what time frame, what resources are available and then design a portfolio based on the long-term historical rates of return to help turn your goals into reality.

GROWTH ORIENTED

How much you spend or save is the single biggest driver of your wealth program. Typically, the greatest risk people face is running out of money during their lifetime. Asset allocation, the decision of how much to allocate to equities and/or fixed income investments, is the major driver of portfolio performance and volatility. With time, the principal risk associated with equities decreases while the purchasing power risk of inflation increases. Therefore, long-term portfolios will require an appropriate allocation to equities to combat inflation and a loss of future purchasing power.

DIVERSIFIED

Diversification reduces volatility by spreading the risk and reward across multiple asset classes that perform differently in varying economic environments. A well-diversified portfolio can include multiple asset classes such as domestic, international and emerging market equities; real assets; fixed income, bonds and cash. Our broadly diversified portfolios can be further customized to include or exclude alternative investments such as hedge funds, private equity, venture capital, managed futures, oil and gas royalty partnerships and timber. On an ongoing basis, your portfolio will be reviewed and rebalanced in a tax-efficient manner to ensure that your investment mix stays in line with your overall risk/reward objective.

VALUE DRIVEN

There is one very basic truth about successful investing: the way to make money is to buy low and sell high. Successful money management requires patience, discipline and a contrarian approach. The patience to deal with the ambiguity of market returns; the discipline to create a plan and stick with it; and a contrarian approach to not follow the crowd. We seek to add value through strategic and tactical asset allocation strategies and careful selection and monitoring of money managers. While we take a long-term perspective to building diversified portfolios, we are also opportunistic in our approach. We believe inefficiencies exist in certain areas of the market and that active managers can use specialization and skill to capitalize on these opportunities. We work hard to identify and exploit value-based opportunities across the investment spectrum for you.

DEFENSIVE

Risk management is a critical component of an investment plan. A good investment manager is defensive and will help protect you from the potential risks. Many of the risks relate to the behavior of the investor himself/herself. Risk management ultimately rests on taking the emotion out of financial decision making. In sports, the best players don’t always make the biggest plays but they do make the fewest mistakes. We help clients to avoid making the big mistakes: inadequate planning, unrealistic expectations, too aggressive or too conservative a stance in investment decisions, lack of diversification, market timing, performance chasing, allowing panic/fear or euphoria/greed to dominate, allowing market conditions to dictate risk tolerance, inappropriate use of leverage, speculating when you think you are investing, letting your tax basis dictate your investment decisions and investing for current yield instead of total return.

ASSET MANAGEMENT

Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by SignatureFD) or any investment-related or financial planning consulting services, will be profitable, equal any corresponding indicated historical performance level(s), or prove successful. All services are dependent on the client’s specific needs and situation, and it remains the client’s responsibility to inform SignatureFD if there are any changes in the client’s personal/financial situation or investment objectives. A copy of SignatureFD’s current written disclosure statement discussing its advisory services and fees is available upon request.