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PATHWAYFINANCIAL SYNERGIES
PATHWAY: Wealth Accumulation and Financial Planning
Unbiased, actionable advice for building lifelong wealth
We created Pathway for investors in the
accumulation phase of life who need help
with financial planning and investing, but
traditionally haven’t had access to financial
advisory firms due to the high investment
minimums. The Pathway program is ideal
for investors who don’t have a need for our
total wealth management services at this
stage in life but would like to get started
with a financial goals-based investment
plan and begin building wealth today.
Your Pathway to Building Wealth
As a Pathway client, your focus is on building wealth and planning for the future.We’ll help you cover every base by:
� Organizing your financial life
� Identifying financial planning goals
� Developing a savings strategy
� Diversifying and managing your investments for long-term growth
PATHWAY 1
We start by asking important questions: What does money mean to you? Do you know how you are invested? Are you saving enough? Are you planning to send your kids to college? Do you have the right amount of insurance? What does retirement look like to you?
As an experienced team of financial advisors and Certified Financial Planner™ professionals, we’ll deliver a plan and investment strategy to meet your needs and goals. And as fiduciary advisors, we hold ourselves to the highest legal standard. We exist to serve your best interests, and every decision we make follows that philosophy.
WEALTH ACCUMULATION GAME PLAN
With a robust menu of services, we’re a single source for all your investment necessities. Our holistic approach helps us:
� Serve all your needs. As fiduciary advisors, we seek to meet all your personal financial planning and investment management goals.
� Organize your financial life. We’ll help you organize and aggregate all your financial accounts in one place so you can see the bigger picture. Track your investments, financial plan, net worth, spending and budget using our technology.
� Maximize your wealth. Combining a proven, evidence-based investing strategy and long-term savings plan, we’ll construct and manage an investment portfolio that aligns with your needs.
� Empower your decisions. Lean on us as your financial advisor, as we strive to help you make smart decisions. We’ll help you further your knowledge of investing and financial planning.
PATHWAY 2
Client Synergy
MEETING 1 DISCOVERY
� Discuss your financial situation and goals.
� Answer your questions about our company.
� Introduce our financial planning and investment philosophy.
� Explore ways we can add value to your situation.
SEMIANNUAL MEETINGS
� Review financial goals.
� Update financial plan as needed.
� Discuss quarterly reports and investment
portfolio.
� Schedule next meeting.
MEETING 2 PLANNING/INVESTMENT STRATEGY
� Review your financial assets and liabilities.
� Identify your financial planning and
investment needs.
� Outline our investment philosophy.
� Evaluate your risk tolerance.
� Discuss road map for implementing
and monitoring your financial plan and
investments.
QUARTERLY ACTIVITIES
� Send detailed client newsletter.
� Provide quarterly performance report.
� Give market updates and commentary.
� Your advisor will review your accounts and
reach out if updates need to be discussed.
CONTINUOUS ACTIVITIES
� Investment portfolio monitoring.
� Account trading and rebalancing.
� Ongoing investment analysis.
� Weekly blog and commentary.
� Client events (social and educational).
� Unlimited phone and email conversations
with your advisor.
MEETING 3 45-DAY FOLLOW-UP
� Review status of asset transfers.
� Review status of your financial plan.
� Explain investment reports and online
portal.
� Schedule next meeting.
Strong relationships are built on trust and an understanding of expectations. From day one through all the various phases in your life, we have the expertise to get you to your goals. Here’s how:
PATHWAY 3
Key Highlights
Unlimited emails and phone calls
A team of financial advisors and Certified finanCial Planner™ professionals
Total financial account aggregation through
Wealth360o
Goals-based financial planning
Portfolio management and analysis
$
Your Financial Synergies Team
PATHWAY 5
YOULeadAdvisor
Associate Advisor/Financial Planner
Director of Operations/Client Service Associates
FinancialSynergies
Investment Manager/Analyst
CharlesSchwab
Manages relationshipand leads meetings
Operationally support advisorsand investment manager
Supports lead advisor and communicateswith client
Constructs, implements, monitors and analyzes portfolio
Coordinates with CPA, estate planning attorney and other outside professionals
Serves as custodian of assets
GENERAL FINANCIAL PLANNING
� Financial organization/account aggregation
� Net worth statement/tracking
� Education planning/529 account management
� Cash flow planning
� Saving and budgeting strategies
� Major purchase advice/planning
� Student loan analysis
� Mortgage analysis
� Lease vs. buy advice
INVESTMENT PLANNING
� Evidence-based investment strategy
� Portfolio construction
� Global asset allocation and diversification
� Risk tolerance/goals assessment
� Ongoing investment management
� Performance reporting
� Tax-managed portfolios
� 401(k) account management
RETIREMENT PLANNING
� Retirement projections
� Probability analysis (Monte Carlo simulation)
� Development of savings target
� 401(k) asset allocation
� Job loss or job transition
� Executive benefits analysis
� Stock options analysis
PATHWAY 6
Services
PATHWAY 7
INSURANCE/RISK MANAGEMENT
� Insurance planning needs analysis
� Annuity rescue
� No-load variable annuity management � Collaboration on insurance needs with other professionals as needed
TAX PLANNING
� Tax-efficient portfolio design
� Tax minimization strategies
� Tax loss harvesting
� Gifting strategies for appreciated stock
� Roth conversion analysis
� Net unrealized appreciation (NUA) analysis
� Business entity selection
� Collaboration on tax planning with CPA as needed
TRUST AND ESTATE PLANNING
� Beneficiary designation review
� Asset protection strategies
� Inheritance planning
� Legacy planning
� Gifting strategies to family and charity
� Post-mortem family meetings and communications
� Collaboration on estate planning needs with other professionals as needed
TECHNOLOGY AND COMMUNICATIONS
� FSAM blog
� Quarterly newsletter/market commentary
� Quarterly performance reports
� Wealth360o online planning/ aggregation program
� AdvisorView online account portal
� Option for Web-based meetings via GoToMeeting
FIDUCIARY ADVISORS
As an independent Registered Investment Advisor, we follow the highest legal standard. Acting as a fiduciary on your behalf, your interests are our utmost priority. We work on a fee-only basis and do not sell commission-based products. This gives us the freedom to develop your financial plan and investment strategy without outside influence.
Our management fee is calculated as a percentage of the value of a client’s account(s) per year.* We use a standardized scale to generate this percentage fee, which ranges from 0.75% to 0.95%.
We are compensated solely via a management fee for all of our advisory services. As our fee is based on a percentage of assets under management, our success is closely linked to your success.
Traditionally, Pathway clients have at least $50,000 available to invest. We may choose to waive this minimum in certain situations, subject to Investment Committee approval.
PATHWAY 8
How We Work
*Fees are payable quarterly and deducted automatically from the portfolio.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified finanCial Planner™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
4265 San Felipe, Suite 1450, Houston, TX 77027713-623-6600info@finsyn.com | finsyn.com
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