OUR ADVANTAGE At Crecendo Wealth Advisors, we regard investment management as both an art and a science.

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MESSAGE FROM OUR FOUNDERThank you for taking the time to learn more about Cresendo Wealth Advisors.

ABOUT USWho We Are. What We Do. How We Can Help.

OUR VISIONMission & Values that guide us to guide you.

A FOCUS ON RELATIONSHIPS & GOALSListen & Learn. It’s how we bring the most to our clients.

INVESTMENT MANAGEMENT AS AN ART AND SCIENCEBuilding a strategy that makes sense.

OUR COMPETITIVE ADVANTAGEWhat makes Cresendo Wealth Advisors different?

CONTACT & LOCATIONS

T hank you for wanting to learn more about CresCendo wealth advisors. The major financial

institutions have lost their way. Proprietary trading, high frequency trading against

clients and providing investment ideas with inherent conflicts of interests have become

the standard at the major investment banks and wire house firms. Investors are increas-

ingly seeking truly objective advice with a real global perspective. Since the most recent

market meltdown seismic changes in the financial markets have highlighted the need for

objective, ethical advice from credentialed investment professionals as opposed to merely

salesmen. Crescendo Wealth Advisors is a registered investment advisory firm dedicated

to providing clients with independent investment advice with a real global perspective.

I chose to walk away from the old business model at traditional large wire house and

broker dealer firms which I believe have strayed away from their mission of helping their

clients reach their long term financial goals. The investment banks’ increasing reliance

on making risky investments to boost their own profits and share prices highlighted the

need for me to spread my wings and start an independent platform that was more aligned

with my philosophy of objective advice matched with a long term perspective on investing.

Our process begins with an in depth questionnaire to get to know you on a deeper level, we

then seek global solutions that transcend time zones to reap the best investment oppor-

tunities for our clients. As a privately held firm we answer only to our clients and seek

to avoid the inherent conflict of interest that exists within the larger brokerage firms

that provide investment advice charging clients varying commissions depending upon the

specific investment product. Crescendo Wealth Advisors representatives are not commis-

sion based salesmen but annual “wrap” fee based advisors that manage your account on a

discretionary basis based on the client’s risk tolerance. Therefore our clients experience

every day the benefits of receiving investment ideas from an advisor that operates as a

fiduciary as opposed to paying a broker commissions for a transaction. The result is invest-

ment advice from an advisor that is traditionally motivated by more long term objectives.

So whether you're looking for investment strategies, retirement income, funding for your

child's education, or estate or tax planning strategies, we'll work with you on your terms.

My vision was to create a global platform for investors to gain access to both insightful,

objective advice matched with investment solutions that grow with time. Wealth is built in

increasing measure with time. I call it the Crescendo effect.

Welcome message from our founder

Jean-Robert (J.R.) Latortue

AAMS®, AWMA®

Founder/Sr. Managing Director

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C rescendo Wealth advisors specializes in establishing very close

relationships with our clients. The world is shrinking and inves-

tors are looking to have their investments managed on a global basis

with a global perspective. Having partners with offices throughout

the globe means bringing the investment opportunities to our clients

wherever they may be. Crescendo Wealth Advisors investment solu-

tions bridge time zones and transcend national boundaries bringing

the investor closer to markets around the globe. Crescendo Wealth

Advisors investment advisor representatives build customized solu-

tions for our clients. They work closely with the client to under-

stand their objectives and then strive to exceed their expectations.

The most important distinguishing characteristic of Crescendo Wealth

Advisors is our independence which positions us to be solely focused on

our clients and finding global solutions for their needs. Our clients are

looking for an independent firm that can offer a global perspective and

presence without conflicts of interests. As an independent firm with

a truly global perspective we are able to be closer to our clients and

closer to the investment opportunities.

ABOUT US

OUR VISION.MISSION & VALUES.Our vision is to become a customer’s first choice provider of objective, quality financial solutions to global investors while delivering superb service and value in all markets in which we operate.

• CREATE, develop & retain our client customer base globally.

• PROVIDE attractive, sustainable returns to the clients that we serve despite market conditions.

• BUILD excellent relationships with our research and investment management partners.

• BE the investment advisory firm employer of choice for qual-ity financial professionals that adhere to our principles.

• CREATE new opportunities through entrepreneurial energy that inspire others.

• CONTRIBUTE positively and act in a way that benefits the communi-ties that we serve.

OUR MISSION OUR VALUES• The belief that financial secu-

rity and stewardship should be attainable by all and not solely reserved for the privileged.

• Fairness & ethical behavior.

• The positive use of diversity and a full acceptance of others.

• Our dedication to independence, openness & transparency.

• A dedication to customer service.

• Build lasting and enduring part-nerships with our clients who use our services as an extension of their own resources.

• Recognition of excellence and the professional development of all our representatives.

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STRATEGIC ASSET ALLOCATION.

The first step in helping you meet your financial goals.

OUR ADVISORSFOCUS ON RELATIONSHIPS

Crescendo Wealth Advisors provides a

disciplined process that identifies your

unique investment goals, and estab-

lishes a personalized investment plan

to meet them. We employ a defined

process for each critical step in the

investment management cycle includ-

ing goal setting, risk/return profiling,

asset allocation modeling, investment

manager selection, ongoing monitoring

and comprehensive reporting.

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B efore they present ideas, Crescendo Wealth Advisors representatives listen.

Your advisor representative will work with you to analyze your needs, goals

and investment challenges. Using our unique questionnaire and risk profiling meth-

odology we gain a true understanding of your goals and needs. Once your represen-

tative has a full understanding of your financial picture he or she begins to construct

a customized portfolio solution that addresses your unique needs. We then create

a road map to reaching your goals in a real tangible way. We believe that investing

our clients’ assets requires character and integrity beyond reproach. Hard work,

discipline, integrity and a commitment to teamwork are the core character traits at

Crescendo Wealth Advisors.

UNDERSTANDING THE CLIENT’S GOAL

“How much money do I need to

have saved up by my retirement

date in tomorrow’s dollars to

sustain the same lifestyle that

I have today?” “What invest-

ment solutions and how should

my investments be allocated

in order to reach my intended

goal?” “Are the current options

in my company sponsored 401k

adequate to mirror the global

trends?” “Should I be investing

more in international markets?”

“Am I properly diversified in my

current investment account, or

am I taking way too much risk?”

“I want to generate more income

and the current interest rate

environment is not helping, what

are my options to generate more

income in my portfolio other than

low interest bank CDs?” “Should

I be looking at alternative

asset classes (precious metals,

futures, etc.) other than stocks

and bonds as part of my overall

retirement strategy? If so what

percentage of my retirement

portfolio should I have invest-

ed in alternative assets?” “Are

mutual funds really the best

choice in helping me reach my

financial goals?” “I need greater

diversification, complete trans-

parency and the ability to access

my money swiftly in my portfolio.

What are my best options?”

These days the vast array of

financial products and instru-

ments available to investors are

enough to make any investor

confused. At Crescendo Wealth

our clients often come to us with

these common questions and it is

up to us to take the time to get to

know them and make sense out

of the financial products avail-

able. We take the time to under-

stand your financial require-

ments along with your personal

and professional goals.

What are your basic invest-

ment objectives? What are your

personal preferences with

respect to risk taking and the

expected returns? Only after

analyzing your requirement our

representative will then work

with you and together help

define an investment strategy

that is tailored to your specif-

ic situation. Our investment

approach does not begin with

numbers or pie charts but with

a real assessment of your needs

and we deliver our solutions in

a plain English tangible format

without the intimidating financial

jargon or gimmicks.

“What sort of return should I expect on my investments or attempt to

receive in order to reach my goal?”

TREATING INVESTINGAS BOTH AN ART

AND A SCIENCE

The rule of thumb is that the overall risk of a portfolio is reduced as the number different securities held in different classes in a given market are increased.

B uilding the roadmap to reach

your financial goals requires a

delicate balance of asset allocation and

careful consultation. After determining

the client’s risk tolerance the next step

of our process is to build the appropriate

strategy based on your needs. Research

indicates that over 90% of an investment

portfolio is attributed to the asset allo-

cation model. This means that the actual

asset allocation plays more of a major

role in determining whether or not you

reach your goals as opposed to securi-

ty selection. It is less about picking the

right stock or bond idea or gimmick but

more about the actual spread of the risk

across asset classes and the weighting

of asset classes in accordance to market

conditions that help deliver tangible

results.

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EXECUTING AND PUTTING THE STRATEGY INTO ACTION

REBALANCE AND MONITOR YOUR PORTFOLIO

After determining the asset allocation strategy, we

then use the strategy as a roadmap and the final step

is the careful selection and combination of the appro-

priate investment products to implement your portfo-

lio. Crescendo Wealth Advisors offers many invest-

ment solutions and innovative products available to you

through your advisor representative. Your investment

advisor representative will provide you with the most

suitable investment strategy to achieve your financial

objectives. The client and the advisor representa-

tive will then enter into an annual fee arrangement in

accordance with our fee schedule which is available

on our website at http://www.crescendowealth.com/

forms.htm. The advisor representative will then place

the investment selections through our clearing firm*

into the clients account.

Your portfolio will be monitored to allow it to remain

on track and achieve the investment goals and objec-

tives that you reviewed with your financial advisor.

The market conditions and the level of contributions

to your account and other factors can cause the allo-

cation of your assets to move outside the parameters

set for your portfolio. When this happens, we rebal-

ance your portfolio to bring allocations back into the

desired range. Since our advisors are not commis-

sioned salesmen but rather their compensation is

based on the value of the clients’ portfolio the advice

tends to be driven towards by more long term objec-

tives with efforts to avoid volatility.

WHAT MAKESCRESCENDO WEALTH ADVISORS

DIFFERENT?

O ur independence allows us to retain our objectivity and allows us to

answer solely to the clients that we serve. Our clients are looking for

an independent firm that can offer a global perspective and presence without

conflicts of interests. Clients are able to purchase securities at net asset

value without the fees typically paid out to the larger banks and financial firms

as an incentive to their advisors for pushing specific products.

Analysts at the larger banks and broker dealers routinely recommend stocks

of companies that maintain investment banking relationships with the same

underlying bank thereby maintaining a conflict of interest with the client.

Crescendo Wealth Advisors does not sell any proprietary products, we use

only third party research and we do not recommend any securities from

inventory. We provide investment advice solely on an agency basis and we do

not trade against clients.

INDEPENDENCE

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A stockbroker gets paid for the activity in your account. He or she recommends you to buy or

sell a specific stock or other security and gets paid for that transaction. The more activity in your

account the more commissions he or she is compensated. In fact the broker gets paid whether or

not the investment recommendation works out or not. This relationship has an inherent conflict of

interest and over time this relationship is destined to have a negative impact on the overall return

of the underlying investment portfolio. Commission based advisors are incentivized/motivated

to resort to market timing and may sell securities too early to generate a commission. Research

also indicates that there is a direct negative correlation between the fees and commissions paid

and the overall net return on your investment. These commissions and fees can often be a deter-

mining factor on whether or not you actually reach your financial goal. Our representatives at

Crescendo Wealth Advisors are fee based advisors. An advisor that is compensated on an annual

fee basis model has greater incentive to provide you with investment solutions that are more

aligned with your long term objectives and can make adjustments to market conditions without

charging you various commissions for a transaction. Why?

Our clients initially enter into an annual management fee contract with the representative. The

representative’s compensation is then directly tied to the account value of the underlying portfo-

lio. An advisor that is compensated on an annual fee basis model has greater incentive to provide

you with investment solutions that are more aligned with your objectives because he or she has

some skin in the game. This is different than a broker dealer model in which the compensation is

based on transactional activity. It is a more collaborative effort. Traditionally the asset manage-

ment model has been reserved for larger institutional clients. We believe that this model should be

available to all clients regardless of their financial resources. At Crescendo Wealth Advisors our

fee based model is our only model and is available from day one. Our investment advisory contract

is found on our website at http://www.crescendowealth.com/forms.htm

FEE BASED ADVISOR MODEL VS. COMMISSION BASED BROKERS

FOCUS

GLOBAL PERSPECTIVE

A long-term approach- We seek investments opportunities with a long term outlook for our clients.

Our fee based advisor compensation model also allows us to attract clients and financial profes-

sionals that have more long term perspectives on investing.

We believe that the world is shrinking and investors should maintain a global perspective with

their investments. Our unique global perspective drawn from our diverse team of profession-

als and global partners allow us to seek investment solutions that transcend time zones and

bring those opportunities closer to the client. We encourage investors to limit their own country

bias and seek opportunities drawing from many of the emerging markets outside of the United

States as part of their overall investment strategy.

RESEARCH

PRODUCTS

TRANSPARENCY

We use independent research through Morningstar, Russell Investments, Moody’s, Standard &

Poor’s, and other third party research firms in order to provide our clients with an objective

investment thesis.

Equities, Exchange Traded Funds, Bonds (including non-dollar, Corporate, Municipal

bonds), Structured products, Precious Metals (Gold & Silver), Fixed & Variable annuities.

Crescendo Wealth Advisors is a registered investment advisory firm and in order to eliminate

potential conflicts of interests between advice and custody arrangements, Crescendo Wealth

Advisors does not act as a custodian for your assets. Instead we have created enhanced rela-

tionships with major independent custodians*. We serve as introducing advisors therefore

keeping the investment funds in the hands of a third party answerable only to the client. The

client is always only a computer click or a phone call away from their money. All checks and

funds are to be made payable to the clearing firm. Crescendo Wealth Advisors does not hold any

cash, securities or commodities for clients. Visit our website www.crescendowealth.com for

more information about our clearing relationship.

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* Crescendo Wealth Advisors currently uses Persh-

ing (BNY Mellon) for clearing and execution services.

Pershing LLC is a subsidiary of BNY Mellon, the nation’s

oldest continuously operating bank, and one of the

world’s leading providers of securities services. Persh-

ing has $988.8 billion in assets held in custody. Our

custodial firm Shareholder Services Group and Persh-

ing are both members of SIPC. As such our client’s

accounts are protected up to a maximum of $500,000

per client, including up to $100,000 in cash balances.

Pershing (BNY Mellon) also has additional coverage

in the amount of $24.5 million in securities per client

with an aggregate limit of $100 million. This coverage is

provided by Lloyd’s of London. SIPC protection covers

more than one account in which you have an interest

provided you are acting in different capacities for

each account. (For instance, coverage would apply on

an individual account and also a joint account with a

spouse.) SIPC does not protect against a decline in

market value of securities in your brokerage account.

We reserve the right to change our custodial and

subsequent clearing firms.

Visit us: www.crescendowealth.com

Follow us: twitter.com/crescendowealth

Like us on Facebook:

http://www.facebook.com/crescendowealth

Mailing Address:

New York: 100 Park Avenue Suite 1600,

New York, NY 10017.

Pennsylvania: 1839 Manton Street suite

100, Philadelphia, PA 19146.

Call us: 888.542.2101