| PAYNE FINANCIAL MANAGEMENT, L.L.C. |
| (A Registered Investment Advisory Firm) |
| _______________________________________________________________________ |
| Fee-Only Investment & Wealth Management |
| "Dedicated to Placing the Client's Interest First" |
| *5 Ways We Are Different* |
| 1) The Client Always Comes First: Created with the mission of "always placing the client's interest first", our firm was specifically designed to provide service to people in an honest, straightforward & transparent manner. Serving our clients in a fiduciary capacity, our fee-only service facilitates a win-win relationship. There are no sales, no commissions, no hidden fees, no proprietary products, no 12b-1 fees, no cancellation fees, etc. Please note, we have chosen not to work for a company, we only work for and are only compensated by you. |
| 2) Professional Experience & Seasoning: Our managing partner maintains 26 years of extensive professional investment & wealth management experience, including 16 years working with P&G retirees in Albany and across the country. During that time we have developed an expertise in the many benefits and issues commonly faced by P&G retirees including: Utilizing the strength of P&G stock while managing its initial concentration risk; Developing a process for diversification at advantageous price points; Establishing allocation guidelines for the long term maintenance of P&G stock; and Employing the tax advantages of Retirement Plus for clients aged 55 - 59 1/2. Bottom line - We are innovative and we think. |
| 3) Each Client is Truly Unique: Investment portfolios are customized to meet each client's exact individual goals and situations (no pooled funds, target funds, or other aggregated generic investment products). Each investment strategy is as unique as the clients are themselves. Essentially, we construct for our clients' their very own personal mutual fund, within a service that is designed to pay for itself. |
| 4) Safety with Charles Schwab: Security is maintained for both our clients and our firm, as we utilize Charles Schwab & Co., Inc. as independent custodian. Clients maintain their own account, in their own name. Our firm has no access to clients' funds, but merely maintains a limited power of attorney that allows us to manage their accounts on their behalf. Furthermore, as the leader in the discount brokerage industry, Charles Schwab allows us to select only the best investments for our clients from a virtually unlimited investment universe. |
| 5) Overall Financial Efficiency: We use a comprehensive approach to our client's financial success. Although we don't sell anything, we do help our clients coordinate the many areas of their financial lives, including their: investments; taxes; debt; estate planning; budgets; insurance; etc. The goal is to make sure these areas are working together efficiently, and are on track to meet the client's specific goals. We serve as our clients' comprehensive financial guide. |