RICK PUTMAN & RICK PUTMAN & ASSOCIATESASSOCIATES

Financial Strategies and Asset Financial Strategies and Asset ManagementManagement

Securities and Advisory Services Offered Through Commonwealth Financial Network,Member NASD/SIPC, a Registered Investment Advisor

Practice DescriptionPractice Description

We are a relationship and values based We are a relationship and values based financial planning and asset management financial planning and asset management practice.practice.

Our job is to guide clients how best to use Our job is to guide clients how best to use their resources in order that they might their resources in order that they might live their lives as they wish. live their lives as they wish.

To accomplish our purpose, we integrate To accomplish our purpose, we integrate three primary skill sets: life planning, three primary skill sets: life planning, comprehensive financial planning, and comprehensive financial planning, and asset management.asset management.

Unique PropositionUnique Proposition

We express our guiding principles in We express our guiding principles in the follow statement:the follow statement:

Uniquely Sound StrategiesUniquely Sound Strategies

WithWith

Personal Care And UnderstandingPersonal Care And Understanding

Aspects of the Planning Aspects of the Planning ProcessProcess

We recognize two primary aspects of We recognize two primary aspects of the financial planning process: the the financial planning process: the relational aspect and the technical relational aspect and the technical aspect.aspect.

Our business model incorporates Our business model incorporates both aspects and treats each as both aspects and treats each as integral to the other.integral to the other.

The Relational AspectThe Relational Aspect

We honor every individual as being We honor every individual as being unique.unique.

The whole person is considered as The whole person is considered as fundamental to the planning process.fundamental to the planning process.

Because every person is far more than a Because every person is far more than a series of quantified goals and timelines, series of quantified goals and timelines, our first order of business is to get our first order of business is to get underneath the facts and figures of typical underneath the facts and figures of typical data gathering , to the client’s self-data gathering , to the client’s self-understanding, values and dreams.understanding, values and dreams.

The Relational AspectThe Relational Aspect(Continued)(Continued)

In the initial phase of our planning In the initial phase of our planning process, clients are invited to complete process, clients are invited to complete selected life planning tools that help selected life planning tools that help identify their dreams and values, as well identify their dreams and values, as well as measure certain financial personality as measure certain financial personality traits.traits.

Typically, we devote a half day discussing Typically, we devote a half day discussing and clarifying this personal information as and clarifying this personal information as the guide and basis for our setting of the guide and basis for our setting of specific financial goals. specific financial goals.

The Technical AspectThe Technical Aspect

FinancialPlan

Design

Selection MonitorEvaluation

•Comprehensive•Road Map•Speed/ROR

•Personal•Asset Allocation

•Money Mgrs•Proprietary Criteria•3 Platforms

•Quarterly/Semi Yr•Mgr Perf•3 Level Analysis•Risk Adj’d Benchmark

•Daily/Monthly•Inv. Perf.•Risk/Reward

LifePlanning

•Dreams/Values•Self-Understanding•Fin’l Traits/Risk