Prospective Clients

The Value of Our Asset Management Approach

A study has shown that working with an advisor who focuses on the following areas can add up to about 3% in net
returns*. At Elevated Wealth Advisory Group, our wealth management framework incorporates all these
principles including portfolio construction, behavioral coaching, asset location, and other relationship-oriented
services.

Quantifying exactly how much our advisory services can add in net returns depends on individual circumstances and
implementation. However, our approach to the following five wealth management principles has the opportunity to
meaningfully improve investor outcomes.

• Being an effective behavioral coach. Helping you maintain a long-term perspective and a disciplined approach is
arguably one of the most important elements of financial advice. (Potential value add: up to 1.50%.)

• Applying an asset location strategy. The allocation of your assets between taxable and tax-advantaged accounts can
add value each year. (Potential value add: from 0% to 0.75%.)

• Employing cost-effective investments. We take an academic approach to blend active and passive management, by
sector, in our portfolios. Controlling expenses impacts your net return. (Potential value add: up to 0.34%.)

• Maintaining the proper allocation through rebalancing. Over time, as its investments produce various returns, a
portfolio will likely drift from its target allocation. We add value by ensuring the portfolio’s risk/return characteristics
stay consistent with your preferences. (Potential value add: up to 0.26%.)

• Implementing a spending strategy. As focus shifts from accumulation to distribution in retirement, we help you
make important decisions about how to most efficiently draw from portfolios. (Potential value add: from 0% to
1.10%.)

At Elevated Wealth Advisory Group, our focus on all the above principles makes it possible to add up to about 3% in net
returns you, our forclient. This figure should not be viewed as an annual add, rather, it is more likely to be intermittent, based on
market volatility and investor willingness to stick to a well-thought-out investment plan. Although this wealth creation
will not show up on statements, it is real and represents the difference in performance if you stay invested according to
your plan.

*Based on research from Vanguard. Putting a value on your value: Quantifying Vanguard Advisor’s Alpha, March 2014 and February
2019; Francis M. Kinniry Jr., CFA, Colleen M. Jaconetti, CPA, CFP ®, Michael A. DiJoseph, CFA, and Yan Zilbering
Registered Representative. Securities offered through Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC.
Investment Advisor Representative. Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and
Elevated Wealth Advisory Group are not affiliated. Neither Cambridge Investment Research Advisors, Inc. nor its representatives
offer tax or legal advice. Please consult with your tax and legal advisors regarding your individual situation. Diversification and asset
allocation strategies do not assure profit or protect against loss. Investing involves risk. Depending on the types of investments,
there may be varying degrees of risk. Investors should be prepared to bear loss, including loss of principal.

Document Checklist

In effort to fully understand your complete financial picture, we need to review the following items. All information
collected is held in the strictest confidence and in accordance with all privacy standards. The most recent statement or
summary is needed for each item applicable to your situation.(Please note that most companies have policy summaries
and statements readily available online.)

Income:
❑ Pay Stub from each employer (full and/or part time income)
❑ Income Tax Returns
❑ Additional Income Sources: i.e. rental, farm, business, alimony, other
❑ Retirement Income Need: Net Monthly Income, Budget Worksheet, or Provide Monthly Estimate

Retirement:
❑ Social Security Benefit Statement
*Print your statement online at http://www.ssa.gov/myaccount
❑ IRAs, 401k, 403b, 457, TSA, SEP, Pension, Annuities
*Provide the following for each plan: Most recent statement or the Amount of your Contribution
❑ Employer Benefits Summary: Company matching details, insurance details, Other

Assets:
❑ Checking, Savings, CD statements (s)
❑ Savings Bonds: type, face amount, date of purchase
❑ Mutual Funds/College Education Accounts. Provide Cost Basis if applicable
❑ Stocks/Bonds. Provide Cost Basis if applicable
❑ Market Value of Real Estate Owned: Home, Rental, Farmland, Business, etc.
❑ Business Ownership Financial Statement
❑ Anticipated Inheritance

Liabilities: Most recent statement showing interest rate, term, payment, balance
❑ Mortgage Loan
❑ Property taxes and HOA Dues
❑ Auto Loan/ Recreational Vehicle Loan
❑ Student Loan
❑ Personal Loan/ Credit Card debt

Life Insurance: Policy summary or annual statement
❑ Employer Provided ❑ Individually Owned

Health Insurance: Summary plan description
❑ Employer/ Group Plan ❑ Individual/ Private Plan

Property & Casualty Insurance: Policy Summary
❑ Homeowners insurance, Vehicle Insurance, Umbrella, etc.

Disability/ LTC Insurance: Policy Summary
❑ Employer/ Group Plan ❑ Individual/ Private Plan

Legal Documents:
❑ Will, Trust, Power of Attorney (health and financial)