INTRODUCTION TO COMMONWEALTH

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

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Just as you’re free to choose the advisor you believe

is best suited to help you meet your objectives, our

ﬁrm beneﬁts from the same freedom in selecting a

ﬁrm to help us serve you. The partner we chose to

help us help you pursue your goals is Commonwealth

Financial Network,

the largest privately held Registered

Investment Adviser–independent broker/dealer in the

country, with more than $161 billion in total assets*

and approximately 1,950 afﬁliated advisors.*

As a 100-percent management-owned ﬁrm,

Commonwealth is not beholden to shareholders, stock

prices, or a parent company. The ﬁrm can focus on a

much longer time horizon than a public ﬁrm can and

is free to invest in the kind of infrastructure, scale, and

support that helps us maintain our own independent

status—and allows us to focus exclusively on what

beneﬁts you most.

The client-centric values we share with Commonwealth,

coupled with the ﬁrm’s continually expanding resources,

mean we’re all working toward the same goal: to

provide you with the exceptional guidance, products,

and service you want and deserve. This includes:

• Investment choice. Commonwealth offers us

robust, independent market research and a wide

universe of third-party investment options—from

individual stocks and bonds to mutual funds,

exchange-traded funds, alternative investments,

managed accounts, and retirement plans. Our access

to Commonwealth’s expert, impartial guidance

and a diverse range of products helps ensure that

we remain free to operate in your best interest

and to make recommendations based on your

financial objectives, personal investment style,

and risk tolerance—without pressure to promote

proprietary products or strategies.

• Responsive service. Commonwealth’s business

model centers on delivering indispensable service

at every level of the organization—so that we, in

turn, can do the same for you. The firm’s 2.1:1

advisor-to-staff ratio* is one of the best in the industry,

which means that Commonwealth staff members

stand ready to respond to our needs promptly and

execute transactions quickly and efficiently.

• Integrated technology. Commonwealth’s

technology platform gives us a truly comprehensive

view of your complete financial life, all in one

place. This enables us to efficiently and easily

review your financial situation, make updates and

changes, and keep you apprised of your status

through user-friendly web-based systems. A client

portal allows you to see much of the same

information we see online.

• Breadth of expertise. Commonwealth’s team

includes more than 45 staff with CFA,

CFP,

ChFC,

and JD credentials, as well as niche-qualified

specialists with experience spanning estate planning,

taxation, risk management, business planning, and

retirement planning. So however complex your

needs, we can tap into the capabilities of some of

the most knowledgeable people in the industry to

provide solutions that align with your goals.

• Access to top management. Commonwealth

delivers the scale and breadth of resources that

are typically available at bigger, publicly held

firms—but with more personal service. The firm’s

uncommon approach gives us regular access to its

12 managing partners, who have an average tenure

of 25 years. Access to this depth of knowledge

translates into better, faster, more informed

decisions for you.

• Business consulting. Commonwealth offers us

complimentary in-house support to help us optimize

our efficiency and ensure that our business model

enables us to most effectively respond to your needs.

• Compliance support. We also benefit from

legal and regulatory guidance to help us ensure

that your investments—and our firm’s business

practices—are in compliance with the industry’s

myriad rules and regulations.

These are just a few of the ways the ﬁrm goes above and

beyond what most broker/dealers do, and why we feel

so strongly about our partnership with Commonwealth.

*As of December 31, 2018

Commonwealth is a member of the SIPC, which protects securities

customers of its membership up to $500,000 (including $250,000 for

claims for cash). An explanatory brochure is available on request or

at www.sipc.org.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

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EXPERIENCE THE POWER OF A NETWORK OF

PROFESSIONALS COMMITTED TO EXCELLENCE

When it comes to ﬁnancial advice, you certainly

want the assurance that “what you see is what

you get.” That’s why our ﬁrm’s approach to client

relationships is to be clear and direct—minus any

jargon, confusing concepts, or superﬂuous

information. But when you partner with Bryant

Asset Management, you also get a great deal more

behind the scenes.

We are not simply an independent ﬁnancial ﬁrm;

we are afﬁliated with a powerful network of

professionals aligned to bring you the ultimate

in service and professionalism.

Strength in numbers

Through our partnership with Commonwealth

Financial Network

, a Registered Investment

Adviser–broker/dealer, we gain access to unparalleled

resources that we translate into indispensable service for

our clients. With more than 1,900 afﬁliated advisors*

like us, Commonwealth is a national ﬁrm that has

spent 40 years providing expert investment research

guidance, access to top professional money managers,

smooth transaction processing, and leading-edge

technology. Combined, the 900+* professionals at

Commonwealth have more than a millennium of

ﬁnancial services experience.

*As of December 31, 2018

Investment research

Commonwealth’s Investment Management and Research

team helps us provide you with the highest level of

investment advice. The team’s expertise spans asset

allocation strategies; advanced portfolio construction

techniques; and analysis and monitoring of individual

securities, alternative investments, exchange-traded funds,

and more. The team also delivers timely insight into

market opportunities and investment performance—all

to ensure that we’re providing you with the best products

and strategies to meet your objectives.

What’s more, Commonwealth has contracted with the

elite providers in outside investment research, which

gives us access to up-to-the-minute data on the universe

of mutual funds, separately managed accounts, annuities,

exchange-traded funds, equities, and select alternative

investments. We will always have our ﬁnger on the

pulse of ﬁnancial markets and products.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

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EXPERIENCE THE POWER OF A NETWORK OF PROFESSIONALS COMMITTED TO EXCELLENCE continued

Financial planning

Because your life extends beyond the realm of your

investment portfolio, the Commonwealth team also

employs ﬁnancial planning experts to assist us in

addressing your planning needs and to provide us

with leading planning tools and resources. The team

consists of more than 45 professionals with the CFA

CFP

, ChFC

, or JD certiﬁcation/designation—experts

who support us in delivering the solutions you need in

estate planning, taxation, risk management, business

planning, and retirement planning.

Leading-edge technology

Our world moves at a breakneck pace, and technology

changes even faster. So Commonwealth provides us

with the platform we need to manage your ﬁnancial

life, run our ofﬁce at peak efﬁciency, and allow you to

interact with us and your accounts in whatever ways

are most convenient for you.

And there’s much more

This is just a sample of the support resources

Commonwealth brings to the table to help us

help you. As you can see, when you partner with

Bryant Asset Management, you get more than our

wisdom, experience, and service—you gain access to

an entire network dedicated to our mutual success.

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

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COMMONWEALTH FAST FACTS

Founded

1979

Supports

1,933 ﬁnancial advisors

Commonwealth Staff

913

Ofﬁce Locations

Waltham, Massachusetts

San Diego, California

Ownership

100% owned and controlled

by 12 managing principals

Revenues

$1.425 billion

Total Account Assets

Approximately $161 billion

Clearing and Custody

Fidelity Clearing &

Custody Solutions

Recognition

J.D. Power ranks Commonwealth “Highest in

Independent Advisor Satisfaction Among Financial

Investment Firms, Five Times in a Row.”

The company also has been recognized 41 times as

one of the Best Places to Work by the Boston Globe,

Boston Business Journal, San Diego Business Journal,

U-T (Union-Tribune) San Diego, and Computerworld.

This includes #1 Best Place to Work designations

in the midsize category from both the Boston Business

Journal and the San Diego Business Journal (2005,

2009, 2013).

As of 12/31/2018

Fidelity Clearing & Custody Solutions

(FCCS) is an independent company, unafﬁliated with Commonwealth. FCCS is a service

provider to Commonwealth and provides clearing, custody, and other brokerage services through National Financial Services LLC (NFS), member

NYSE, SIPC. 812039.1.0

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

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NATIONAL FINANCIAL SERVICES LLC

The company behind the scenes of every

trade and statement

Fidelity Clearing & Custody Solutions

(FCCS)*

provides clearing, custody, and other brokerage services

to Commonwealth Financial Network

through

National Financial Services LLC (NFS). You can feel

conﬁdent that much of the critical trade processing,

clearance, client reporting, and systems work that backs

your investment professional is performed by

an industry leader. NFS processes tens of thousands of

transactions for millions of investors like you every

day. NFS has the vision and resources to provide you

with innovative services for years to come.

Strength, knowledge, leadership, experience

Your advisor can deliver substantial beneﬁts from the

important service relationship that Commonwealth

maintains with NFS. Knowing that every investor’s

account is serviced with the commitment and

resources of an industry leader allows us to focus on

what we do best: providing the personalized guidance

and comprehensive investment services you need to

pursue your goals.

* Fidelity Clearing & Custody Solutions

(FCCS) is an independent company, unafﬁliated with Commonwealth. FCCS is a service provider to

Commonwealth and provides clearing, custody, and other brokerage services to Commonwealth through National Financial Services LLC (NFS),

member NYSE, SIPC. [eReview 815168.1.0]

Securities and advisory services offered through Commonwealth Financial Network

, Member FINRA/SIPC, a Registered Investment Adviser.

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INDEPENDENCE MEANS GREATER FREEDOM FOR ALL

In the highly regulated securities industry, multiple

federal and state entities provide oversight of the work

ﬁnancial advisors do on behalf of investors. The types

of services an advisor provides carry a corresponding

requirement to afﬁliate with an appropriate ﬁrm or

entity to ensure compliance with the rules governing

those services. But we have many choices of whom to

afﬁliate with and which business model we want to

follow. The fact that we’ve chosen to work with

Commonwealth Financial Network,

a Registered

Investment Adviser–broker/dealer, provides some key

advantages to you:

• Our firm remains free to act in your best interest

and to help you follow the best course of action

to meet your financial goals. We can make

recommendations to you without any pressure to

promote proprietary products or strategies. It’s a

model that differs from that of some other types of

financial firms whose advisors are accountable not

just to their clients, but also to the parent company

that employs them.

• Because Commonwealth is independently owned

and managed, the firm is able to allocate resources

toward whatever is in the best interests of its

financial advisors and their clients, not shareholders.

• Fidelity Clearing & Custody Solutions

(FCCS)

provides clearing, custody, and other brokerage

services to Commonwealth through National

Financial Services LLC (NFS). Like Commonwealth,

NFS is an industry leader with a long and stable

history of customer service excellence. We have

the utmost confidence in the proficiency with

which NFS handles every trade, statement, report,

and myriad other transactions for millions of

clients—and we believe that you can as well.

Fidelity Clearing & Custody Solutions

(FCCS) is an independent company, unafﬁliated with Commonwealth. FCCS is a service provider to

Commonwealth and provides clearing, custody, and other brokerage services to Commonwealth through National Financial Services LLC (NFS),

member NYSE, SIPC. 812041.1.0

NATIONAL FINANCIAL

SERVICES LLC NFS

Fidelity Clearing & Custody Solutions® (FCCS)

provides clearing, custody, and other brokerage

services to Commonwealth through NFS

REGULATORS

YOUR ADVISOR

YOU

(Registered Investment Adviser–broker/dealer;

processes investment business of afliated advisors)

COMMONWEALTH FINANCIAL NETWORK

(FINRA, SEC, state securities divisions)