CAHILL & ASSOCIATES FINANCIAL SERVICES, LLC

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

75 Berlin Road, Suite 110

Cromwell, CT 06416

P: (860) 635-4800

www.cahillﬁnancial.com

Terrence S. Cahill

William J. Cahill

Theresa L. Cahill

Andrew C. Bauer

Carl J. Cieplinski

Richard P. Coleman

Melissa Hicks

Roslyn L. Scheid

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

ABOUT OUR TEAM

In business since 1979, Cahill & Associates Financial

Services, LLC, is a family owned, full service ﬁnancial

planning ﬁrm located in Cromwell, Connecticut.

Our team focuses its efforts on needs based ﬁnancial

planning, from the accumulation of invested assets to

their management and ultimate distribution.

What we do

As Investment Adviser Representatives of

Commonwealth Financial Network,

the advisors at

Cahill & Associates create, implement, and monitor

customized ﬁnancial plans designed to help

individuals and families pursue their ﬁnancial goals.

We thoroughly assess and analyze your complete

ﬁnancial picture to ensure that your strategy reﬂects

your values, risk tolerance, and ultimate life objectives.

Our approach

We start the journey by taking the time to listen to

and understand each of our clients personally.

Together, we carefully chart a course to pursue

ﬁnancial success, using prudent investment strategies.

Building long term

relationships is our priority

at Cahill & Associates.

Cahill & Associates is known for taking a conservative

approach to wealth management. We’ve built a

reputation based on sound judgment and decision

making, values that have helped so many of our

clients protect their existing assets and successfully

pursue their goals.

The benefits of independence

Our commitment to always putting your interests ﬁrst

is evident in every aspect of our business. We’ve chosen

to partner with Commonwealth Financial Network, a

Registered Investment Adviser–broker/dealer since

1979 with a history of focusing exclusively on the

needs of its afﬁliated advisors and the clients they serve.

This partnership means that we remain free to make

recommendations based on what’s right for you,

without pressure to promote proprietary products or

strategies, which is not the case with some other types

of ﬁnancial advisors.

Our services

• Investment management

• Pre-retirement income planning

• Post-retirement income planning

• Strategies for minimizing tax burdens

• Education planning

• Estate planning

• Charitable giving strategies

• Insurance planning

• Business succession strategies

• Coordination with other professionals, such as

CPAs and attorneys, to ensure that everyone is

working toward common goals

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

TEAM BIOGRAPHIES

TERRENCE S. CAHILL,

CSA,® CFS®

Financial Advisor

(860) 635-4800 ext. 105

TCahill@Cahillﬁnancial.com

Terrence (Terry) Cahill

founded Cahill &

Associates Financial

Services, LLC. He has more

than 55 years of experience

in the ﬁnancial planning

and insurance industry. He has seen the company

grow from a start-up company in the late 1970s to a

growing business with relationships lasting more than

35 years. Terry takes great pride in the assistance he

has been able to provide to his many clients over the

years in building and managing their retirement assets.

Terry remains active in the business and holds the

FINRA General Securities Representative and General

Securities Principal registrations. He has also

completed the rigorous program requirements to earn

the Society of Certiﬁed Senior Advisor designation.

Terry enjoys being an active participant in community

affairs and is an active member of several ﬁnance

committees for nonproﬁt organizations.

WILLIAM J. CAHILL,

CFP,® CFS®

Financial Advisor and

Registered Principal

(860) 635-4800 ext. 103

WCahill@Cahillﬁnancial.com

Bill Cahill joined Terry

at Cahill & Associates

in April 1991, focusing

on employer plan sponsor

relationships through

Aetna Financial Services. As the capabilities of the

broker/dealer improved, the practice transitioned

toward investment management and needs based

ﬁnancial planning, which remain the focus today.

Bill takes pride in maintaining a long term,

goal-oriented focus with his clients.

A 1988 graduate from Fairﬁeld University with a BS

in ﬁnance, Bill earned his credentials as a CERTIFIED

FINANCIAL PLANNER

™

professional in 1995. Bill

has held registrations since 1986, currently holding the

FINRA Series 7, 24, 63 and 65 securities registrations.

He is an active member of the Financial Planning

Association

(FPA

) and the Investments & Wealth

Institute.

A lifelong Connecticut resident, he resides

in Cromwell with his wife, Theresa, and their ﬁve

children. Bill loves the outdoors and enjoys running,

biking, hiking, travel, photography, and staying active

with the kids.

Our group of dedicated professionals shares the common goal of providing you with the expertise and personalized

service you need to conﬁdently pursue your ﬁnancial goals.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

TEAM BIOGRAPHIES continued

THERESA L. CAHILL, AIF®

Financial Advisor

(860) 635-4800 ext. 104

Theresa.Cahill@Cahillﬁnancial.com

Theresa Cahill joined

Cahill & Associates in 2011

and currently works as a

ﬁnancial advisor. As a wife,

mother, sister, daughter, and

advisor, she understands the

complexities and challenges

of life. She is dedicated to providing her clients with

a high level of service, committed to building strong

relationships and to making the process of achieving

ﬁnancial goals attainable. Theresa’s focus is to diligently

work together with you, as part of your team, to reach

your ﬁnancial goals.

Previous careers as a chemist and registered dietitian have

afﬁrmed Theresa’s belief that excellent communication

with reliable, trusted, and knowledgeable resources is

critical to success. Theresa is convinced that continued

education helps to ensure long term success.

Theresa has a BS from Siena College with a major in

chemistry and completed the CUP program at the

University of Connecticut in dietetics.

She holds FINRA Series 6, 7, 63, and 65 securities

registrations through Commonwealth Financial

Network,

as well as life, health, and variable annuity

licenses. She has also attained the Accredited

Investment Fiduciary

(AIF

) designation. A native

of New York, Theresa lives in Connecticut with her

husband, Bill, and their ﬁve children. Theresa enjoys

spending time with her family, scrapbooking, biking,

photography, and traveling. She is a regular volunteer

in the schools her children attend and ﬁnds much

reward in helping others.

ANDREW C. BAUER,

CFP,® CFS®

Wealth Manager

(860) 635-4800 ext. 120

Andrew.Bauer@Cahillﬁnancial.com

Andrew C. Bauer has

served as a wealth manager

with Cahill & Associates

since April 2015. With

advisory experience in

Connecticut since 1995,

Andy has been focused on providing strategic wealth

planning and investment strategies to individuals as

well as institutions. He is passionate about partnering

with clients and creating a clear path toward the

realization of their goals. One of the objectives he

strives for is helping clients maintain their lifestyles

throughout their retirement years.

Andy graduated from the University of Colorado

in 1991 with a BA in international affairs. He

holds the FINRA Series 7, 63, and 65 securities

registrations, as well as life, health, and variable

annuity licenses. He is a CERTIFIED FINANCIAL

PLANNER

™

professional and holds the Certiﬁed

Fund Specialist

(CFS

) certiﬁcation.

Andy grew up in Connecticut and now lives just over

the border in Longmeadow, Massachusetts, with his

wife, two children, and Harley, the family dog. He

enjoys mountain biking, skiing, and spending time

with his family.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

CARL J. CIEPLINSKI,

CRPC®

Financial Advisor

(860) 635-4800 ext. 123

Carl.Cieplinski@Cahillﬁnancial.com

Carl Cieplinski has been

a licensed representative

since 1998. Carl joined

Cahill & Associates in

September 2016, after

spending 14 years at

Voya Financial Advisors (previously ING). Carl

is passionate about implementing strategies to help

his clients enjoy a digniﬁed and independent retirement,

and his focus on long term relationships ﬁts the

Cahill & Associates tradition.

He holds the FINRA Series 7, 63, and 65 securities

registrations, as well as life, health, and variable

annuity licenses. Carl currently maintains the

Chartered Retirement Planning Counselor

(CRPC

)

designation. Carl graduated from Assumption College

with a BA in accounting.

Carl and his wife reside in Connecticut with their two

daughters. His hobbies include golﬁng, biking, hiking,

and spending time with his family. He volunteers his

time at his kids’ schools and his church.

TEAM BIOGRAPHIES continued

RICHARD P. COLEMAN

Client Relationship

Manager

(860) 635-4800 ext. 108

RColeman@Cahillﬁnancial.com

Dick Coleman has been

with Cahill & Associates

since 1998. He holds

FINRA Series 2, 24, 63, and

65 securities registrations,

as well as life, health,

and variable annuity licenses. He serves as a client

relationship manager with a focus on the health care

and government markets. Dick’s ﬁnancial services

career dates back more than 50 years, including back

ofﬁce operations management for nearly 25 years and

several years in sales management when his team was

consistently a top performer nationwide.

His primary role at Cahill & Associates involves the

education and ongoing service of our clients. Dick

takes pride in helping others plan for an independent

retirement. He and his wife, Maggie, are lifelong

Connecticut residents and have two children and two

grandchildren. His hobbies include walking, biking,

boating, camping, and nostalgia automobile racing.

Dick has also volunteered his time at various

Connecticut correctional facilities.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

TEAM BIOGRAPHIES continued

MELISSA HICKS

Client Relationship

Manager

Melissa Hicks started with

Cahill and Associates July

of 2020. With 10 years of

experience in the ﬁnancial

services industry, Melissa

strives to educate, empower

and enrich her clients. She

is dedicated to providing

quality service and helping clients gain ﬁnancial clarity

and conﬁdence.

Melissa serves as a Client Relationship Manager, and

holds the FINRA Series 6, 7, 63, and 65 securities

registrations through Commonwealth Financial

Network.

She graduated from Central Connecticut

State University with a BA in marketing. Melissa

and her husband reside in Connecticut with their

3 daughters. She enjoys spending time with her

family, reading and traveling.

ROSLYN L. SCHEID

Client Relationship

Manager

Roslyn started with Cahill

& Associates in 1987.

She took a “brief 12-year

sabbatical” away from the

company, yet still within

the ﬁnancial industry, and

is back home at Cahill &

Associates. Roslyn has a

Bachelor of Science in Finance from the University

of CT, FINRA Series 6 & 63 registrations and has her

State of CT Life & Variable Annuity license. Roslyn’s

extensive industry experience includes managing

a bank branch, providing excellent service to the

Sponsors and Participants of employer-sponsored

retirement plans as well as with individual investors.

Her goal has been, and always will be, to happily

provide clients with the tools and information they

need to work toward a more secure ﬁnancial future...

and to do it with a smile! Roslyn grew up and lives

in Connecticut with her husband and 3 children.

She enjoys traveling (preferably near an ocean, lake

or river), boating, cooking, reading, smiling and

laughing (all of these especially when with her family

and/or friends).

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

THE ADVISOR-CLIENT PARTNERSHIP

An important partnership exists between a

client and his or her advisor. To help clarify this

relationship and avoid misunderstandings, the

roles of both the advisor and the client are laid

out below.

Advisor Responsibility

• Knowing the client’s financial needs, goals, and

changing situation

• Maintaining confidentiality, keeping all information

pertaining to the client’s finances private

• Constructing an asset allocation strategy to match

the client’s objectives

• Selecting specific securities for the client’s portfolio

• Regularly communicating with the client through

personal meetings, phone conversations, and

online sources

• Rebalancing the client’s assets over time

• Reallocating the client’s assets as

circumstances change

• Educating clients on the various types of products

that are available to meet their needs

Joint Responsibility

• Determining the investment objectives, developing

a mutual understanding as to the client’s risk

tolerance and anticipated returns

• Determining product selection—agreeing on

the types of investments (mutual funds, stocks,

annuities, etc.) that will be incorporated into the

client’s portfolio

• Monitoring performance

• Determining taxable consequences—the client

must inform the advisor of his or her tax situation

so that the client and the advisor can build a

tax-efficient portfolio.

Client Responsibility

• Providing the advisor with all financially

relevant information

• Establishing financial goals

• Notifying the advisor of liquidity needs and

expected cash flow

• Informing the advisor of any change in objectives

and financial situation

• Trusting the advisor’s expertise

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

SERVICES PROVIDED

Personal Financial Planning

Our client-focused process is tailored to help

individuals set ﬁnancial goals, develop a ﬁnancial road

map, and implement the appropriate ﬁnancial tools

and strategies.

Supported by:

• Investment management products (e.g., stocks,

bonds, mutual funds)

• Asset allocation services

• Tax-sensitive planning

• Educational programs

• Estate planning coordination services

• Income planning strategies

• Insurance planning strategies and related products

(e.g., life insurance, annuities, and long term care)

Business Financial Planning

These services are designed to support the accumulation,

conservation, utilization, and transfer of family wealth.

Supported by:

• Employee group benefits

• Executive compensation planning

• Retirement plan services

• Buy-sell agreement analysis and funding

• Business succession planning

• Estate planning for closely held businesses

• Strategic planning

Multigenerational Financial Planning

These services are designed to support the accumulation,

conservation, utilization, and transfer of family wealth.

Supported by:

• Sophisticated asset allocation strategies and

wealth transfer techniques

• Business succession consulting and planning

• Advanced income and estate tax advising

• Charitable giving tools and techniques

• Financial education programs for the

next generation

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

IT’S NOT ALL ABOUT COSTS

Imagine that you’re sitting down for dinner at a

nice restaurant. The waiter approaches and asks if

you’d like to hear the specials. He lists them off

and you are immediately intrigued by the lobster

dish. You have one question to ask before

ordering, however. How much will it cost?

If this sounds like you, you’re in good company.

Moreover, there’s a good chance that, as we talk about

various investment vehicles that might suit your goals

and objectives, you’re wondering the same thing.

What will these products cost me?

We believe that our decision making process should

be cost conscious. But we make a distinction between

cost conscious and cost focused product selection.

For us, costs are a priority, but not the priority.

When we look at an investment for a client, our ﬁrst

question is not about cost. We are more concerned

with the following:

• Is it the right fit for the client?

• Does it match what he or she wants and needs?

• Is it reasonably priced?

Using the restaurant as an example, if you are craving

lobster and the waiter tells you that this will be the

best lobster you’ve ever tasted, and it is priced

comparably to a fancy lobster dish at a high-end

seafood restaurant, you probably will not hesitate to

order it. But if you simply hear the price, you might

instead opt for the steak.

Investments are often critiqued for their expense ratio.

But the criticism must have some context. What is the

product cost relative to a similar product? Can its cost

be explained? Remember, the cheapest products are not

always the best performers, even when we discount for

fees. If the lobster special cost a dollar, you’d probably

be skeptical. With food, as with many investment

products, you often get what you pay for.

As we propose investment vehicles for your account,

we focus on providing solutions to your wealth

management needs. We want to offer you the proper

products, not the most expensive ones. Again, cost is

always one of our considerations, but it never rules out

a product, nor will it compel us to sacriﬁce quality to

save money. We provide cost-conscious strategies to

complex wealth management situations. So, ask us, is

this product reasonably priced? Does it suit my goals

and objectives? Is it the right ﬁt?

If we’ve done our job, the answer to all three questions

should be a resounding yes.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

DEFINING THE WEALTH MANAGEMENT PROCESS

Intelligent investors often ask, “What is your

wealth management process?” When it comes

to managing our clients’ assets, we adhere to

a proven system.

Below is an overview of our six step process.

• Establish Client and Financial

Consultant Relationships

The goal here is to get to know you. We will ask you

for relevant ﬁnancial data, assess your risk tolerance,

and determine your ﬁnancial goals and needs. All

future decisions in the Wealth Management process

will stem from this information.

• Gather Data

We will identify your principal needs and work with

you to prioritize both short and long term goals.

• Analyze Current Positions

In an “observations meeting,” we will assess your

current accounts and policies, looking closely for

gaps or inconsistencies.

• Present an Action Plan

Depending on your situation, we will draft a

ﬁnancial plan that may include an Investment

Policy Statement, a thorough retirement income

plan, or a detailed action plan.

• Implement the Plan

At this stage, we will make the investment decisions

on a product level: Which mutual funds should

you buy? Which insurance policy is best for you?

What sort of annuity ﬁts best with your situation?

• Ongoing Review and Reporting

The ﬁnal step in the Wealth Management process

involves the ongoing monitoring of your portfolio.

As time goes on, we will ensure that your assets

remain diversiﬁed and that your objectives stay on

track. Diversiﬁcation does not assure a proﬁt or

protect against a loss in declining markets.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

WEALTH MANAGEMENT

As you strive to grow your personal net worth, the

ﬁnancial challenges you face become increasingly

complex. While some investors have a long-term

strategy in place to grow their assets and manage

risk within their portfolios, many do not have

strategies for dealing with the tax implications

that result from the distribution and transfer of

the assets they have worked so hard to accumulate.

Capitalizing on opportunities to preserve, grow,

and transfer your wealth requires the sophisticated

guidance of a professional who knows and understands

your long-term ﬁnancial goals.

As an Investment Adviser Representative of

Commonwealth Financial Network

, I have the ability

to offer wealth management services that address the

complex ﬁnancial planning issues that many of my

clients face. Commonwealth’s Wealth Management

program provides me with the infrastructure to offer

you a comprehensive array of services to help plan

and manage your wealth.

For the phases of your financial life

Wealth management refers to the coordination of

various strategies that encompass all phases of your

ﬁnancial life, from the accumulation of assets, to

risk management, to tax strategies, to retirement

and estate planning.

The easiest way to conceptualize wealth management

is to think of it as the logical transitions of your

ﬁnancial life:

• The accumulation of wealth. Construction of

a solid, financial base sufficient to pursue your

financial objectives.

• The protection of wealth. Creation of a strategy

aimed at preserving your assets from erosion due

to unexpected expenses, inflation, market decline,

and taxes.

• The tax‑advantaged distribution of wealth

during life. Development of a sophisticated tax

management plan to enhance your asset base by

minimizing your tax burden and allowing you to

distribute your assets according to your wishes.

• The tax‑advantaged distribution of wealth at

death. Planning for the controlled distribution of

your assets at death—to whom you want, when

you want, and at the lowest possible cost.

Strategies for complex issues

Wealth management planning seeks answers to those

tough economic questions and decisions that come

with modern living. Commonwealth’s Wealth

Management program divides these issues into

six modules—each focusing on a different area of

your ﬁnancial life:

• Accumulation addresses your individual needs,

asset allocation, and the suitability of different

types of securities in light of your goals and risk

tolerance. Accumulation strategies help to ensure

that your investment portfolio remains closely

aligned with your overall financial goals as you

continue to build your asset base.

• Risk management works to minimize financial

and other losses potentially associated with risks to

your assets, business, or health. Some examples of

risk are personal and professional liability, business

ownership, property loss, and catastrophic illness

or disability. Your first line of defense is to identify

your sources of risk and then to either avoid or

minimize the major exposures.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

WEALTH MANAGEMENT continued

• Taxation considers the tax implications of

individual, investment, or business decisions,

usually with the goal of minimizing tax liability.

While decisions are rarely made solely on their tax

impact, you should have a working knowledge of

the income or estate tax issues and costs involved.

• Business planning focuses on issues specific

to business owners and shareholders. For most

business owners, the business is their most

significant asset, and the financial success of

that business has an immediate impact on the

economic security of the family. Without proper

planning, you may have difficulty tapping the

value of your business to support your retirement,

or your family may lose the value of the business

at your death.

• Retirement planning involves evaluating

your current financial status and creating an

accumulation strategy that will help to ensure

your desired retirement lifestyle. Because your

retirement years can span decades, retirement

planning generally dominates other financial

goals. A successful plan put into place during the

wealth-building life span should address ways to

maximize growth and tax-efficient distributions,

as well as how to leave retirement assets to the

next generation.

• Estate planning creates a master plan for the

management of your property during life and the

distribution of that property at death. For most

people, estate planning gives you more control

over your assets during your lifetime, provides care

when you are disabled, and allows for the efficient,

low-cost transfer of wealth at your death.

While not all of these modules will apply to your

situation, we believe that identifying and addressing

those that are pertinent will help you to better manage

your ﬁnancial future.

Planning for the long term

No matter what your level of wealth, working closely

with a trusted professional who knows and understands

you can help you target your goals. Working together,

we can help you simplify the complexities of your

ﬁnancial life by focusing on your wealth in a systematic

way and implementing a plan that will beneﬁt you for

the long term.

Commonwealth Financial Network

does not provide

legal or tax advice. You should consult a legal or tax

professional regarding your individual situation.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

HOW YOU CAN BENEFIT FROM A FINANCIAL PLAN

A ﬁnancial plan is the written document detailing

the short- and long-term steps that we will take as

we strive to meet your ﬁnancial goals and objectives.

It’s a road map of what’s to come and a guide until

circumstances change—at which point, we will

consult with you about modifying the plan.

Your ﬁnancial plan is also a strategy or series of

strategies involving multiple aspects of your ﬁnancial

situation designed to bridge the gap between where

you are today and where you want to be tomorrow.

Developing a ﬁnancial plan follows naturally from

identifying goals, objectives, and existing positions.

The ﬁrst step in the wealth management process told

us what you wanted and required in terms of dollars,

risk, insurance, retirement, and beyond. The second

step revealed your present circumstances. Now, having

placed the two side by side, we can put a series of

action steps in writing speciﬁcally intended to get you

from here to there.

The goal of a ﬁnancial plan: to narrow the gap between

where you are and where you want to go

Financial

Plan

Goals and

Objectives

Existing

Positions

We believe that the wealth management process is not

just about working for you; it’s about working with

you. For that reason, there shouldn’t be any surprises

in your ﬁnancial plan. Instead, it should serve as a

record of the steps that we’ve decided to take together.

Also, while it is not product-speciﬁc, it will indicate

the types of products to which we may or may not

direct your assets.

Your ﬁnancial plan may include an income plan, a

distribution plan, a retirement plan, an insurance review,

an Investment Policy Statement, and an investment

proposal. It will always contain an action plan.

For the short term, the ﬁnancial plan will serve as

our guide, but it is a “living document” subject to

change over time as your ﬁnancial needs, goals, and

circumstances change. In some cases, there may not

be a gap between your existing positions and your

goals and objectives. At other times, your goals and

objectives may be out of reach given your present

situation. Regardless, the ﬁnancial plan will continue

to serve as our blueprint for managing your wealth.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

COMMONWEALTH’S CAPABILITIES

Our Registered Investment Adviser–broker/dealer,

Commonwealth Financial Network,

has a vast

infrastructure that is built around doing whatever

it takes to deliver everything advisors need to

serve their clients. The ﬁrm’s always expanding

resources help ensure that we can deliver the best

possible guidance and the prompt, personal

service you expect and deserve.

• Investment choice. Commonwealth provides us

with an open investment platform, which gives

us access to the complete universe of solutions

from which to recommend the best choices for

you based on your financial objectives, personal

investment style, and risk tolerance.

• Breadth of expertise. Dozens of experts in estate

planning, taxation, risk management, business

planning, charitable giving, and retirement

planning are available to consult with us to ensure

that the recommendations we make are the right

ones for your financial situation.

• Service. The firm’s advisor-to-staff ratio is one

of the best in the industry. This means that staff

members attend to us promptly, execute transactions

quickly and accurately, and offer first-class service

to help us provide the same to you.

• Technology. Commonwealth’s secure, web-based

platform allows us to efficiently and easily manage

all aspects of your financial life and offer you easy

access to your accounts through our website.

• Access to top management. Commonwealth’s

business model and corporate culture allow us open

access to the firm’s 14 managing partners, who

have an average tenure of 24 years and a hands-on

approach to day-to-day operations. The availability

of this depth of knowledge translates directly into

better, faster, more informed decisions for you.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

A REPUTATION TO BE PROUD OF

J.D. Power ranks Commonwealth:

“#1 in Independent Advisor Satisfaction

Among Financial Investment Firms”*

For the seventh straight time, J.D. Power

ranks Commonwealth:

“#1 in Independent Advisor Satisfaction Among

Financial Investment Firms”*

Again, the results were no surprise to us. But it’s what

this achievement means for our clients—on a daily

basis—that makes the difference.

Commonwealth’s entire organization is built around

doing whatever it takes to satisfy not only the advisors

who work with the ﬁrm, but the clients of those advisors

as well. It’s that infrastructure—and the always expanding

wealth of resources it provides—that makes it easier for

our ﬁrm to provide you with the best possible guidance

and the prompt, personal service you expect and deserve.

Our ﬁrm could not be more pleased to keep such

good company or to espouse these qualities in our

daily dealings with our valued clients.

We are proud to be affiliated with Commonwealth Financial Network

, a Registered Investment

Adviser–broker/dealer with a singular commitment to serving independent advisors and their clients.

The latest demonstration of that commitment can be found in the J.D. Power 2020 U.S. Financial

Advisor Satisfaction Study.

* Commonwealth Financial Network

received the highest score in the independent advisor segment of the J.D. Power 2010, 2012, 2013, 2014, 2018,

2019, and 2020 Financial Advisor Satisfaction Studies of customers’ satisfaction among ﬁnancial advisors. Visit jdpower.com/awards.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

AMKTG-4734-40044_10/20

INTRODUCING OUR SERVICES TO YOUR FRIENDS AND FAMILY

It has always been our belief that the most effective

use of our time as ﬁnancial professionals is servicing

our clients. Our clients are always our ﬁrst priority,

and we believe that focusing on helping them

pursue their ﬁnancial goals is the key to building the

foundation for a strong relationship.

Because of the nature of our commitment to our

existing clients, and in an effort to maintain the

integrity of our practice, we do not spend, nor do we

want to spend, time actively marketing our services to

the general public. Consequently, the task of attracting

new, high caliber, like-minded investors who can

beneﬁt from our services continues to be a challenge.

It is the nature of our business that most new clients

enter our ofﬁce as referrals from existing clients—clients

who have beneﬁted from and enjoyed the experience

of working with us. We ﬁnd that our clients tend to

refer individuals who are like themselves: people who

are serious about making smart decisions concerning

their ﬁnancial future. We, in turn, ﬁnd it a pleasure

to work with these individuals.

If you are pleased with your experience with us, we

would kindly ask that you mention our name to any

friends or family members who you think would be

a good ﬁt with our practice. We are looking for

individuals who are searching for a trusted relationship

with a ﬁnancial professional; who are looking for

long-term ﬁnancial guidance, not shortcuts and the

next hot trend in the ﬁnancial world.