A tailored approach to

personalinvestment

solutions

At ChangePath, we don’t just provide you with services, we serve as your partner through life’s events.

We take the time to get to know you beyond your finances. We strive to understand what is important to you, no matter what stage of life you are in, so we can work with you to achieve your goals. As part of this process we evaluate your aspirations, concerns, fears, and current situation to develop a comprehensive plan, tailored to your situation. We don’t propose services, we provide solutions that are meant to bring clarity, simplicity, and efficiency to your life.

Objectivity/Integrity

In a profession based on objective advice, true independence offers many choices intended to benefit you, the client. Objective advice on achieving your financial goals may be best delivered by an independent financial professional. Your independent financial professional is not an employee of an investment or financial services firm – they are an independent business owner. This means your financial professional is not pressured or distracted by corporate interests, proprietary products, or meeting any sales quotas, enabling them to focus on what is best for you and your financial goal.

Our approach

Independent: adjective: in·de·pen·dent \ ‘in-də-’pen-dənt \1: not dependent: such as (1) : not subject to control by others : self-governing (2) : not affiliated with a larger controlling unit; or (3) : not requiring or relying on something else; or (4) showing a desire for freedom.

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FiduciaryAs an Investment Adviser Representative (IAR), we must abide by the Investment Advisers Act of 1940. This means we have a legal duty as a fiduciary to act in your best interest. As a fiduciary, we are required to hold the client’s interest above our own, in all matters.

Investment PhilosophyWe understand that one size does not fit every situation. In response to investor demand, ChangePath, the Registered Investment Adviser (RIA) we have partnered with, has developed an investment platform that offers advisers the flexibility to accommodate a variety of client scenarios. Advisers can lean on platform risk-profiling that points to a number of Modern Portfolio Theory risk-based models. It’s a process that allows advisers to design and implement models that sync with the client’s risk appetite. ChangePath also offers goals-based investment workflows. Advisers have additional options to meet very specific client goals with a variety of goals-based strategies and models. ChangePath advisers take an objective approach ensuring your financial goals are placed at the forefront of all plans developed. Understanding every client faces different circumstances, we invest with the objective of attaining specific life goals and risk profiles unique to each client.

Fiduciary: noun: fi·du·cia·ry \ fə-’dü-shē-’er-ē , -shə-rē , -’dyü- , fī- \1. Law. a person to whom property or power is entrusted for the benefit of another.

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Discover• Understand what is important to you.• Vision – what does your financial independence look like?• Goals – what would you like to accomplish?• Concerns – what causes you distress when looking at your financial future?

The 5-step plan

Analyze• Organize and review your current financial plan.• Cash flow analysis.• Identify dangers, strengths, and opportunities.• Analyze existing investment portfolio.

Cultivate a plan• Calculate financial needs assessment to achieve financial independence.• Model new financial plan including: retirement planning, tax minimization strategies, cash flow management, and Social Security maximization.• Deliver comprehensive financial plan recommendation.• Formalize implementation plan.

Execute• Review and discuss any questions.• Implement plan.• Source outside services.

Monitor and review• Reevaluate portfolio and confirm or update investment strategy.• Discuss what is important.• Discrepancies from previously cultivated plan.• Amend and update to align with client’s new objectives as needed.

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A dedicated service team

We view ourselves as more than just your investment advisor, we want to help you navigate the unforeseen events that occur in life. As part of this commitment, we require annual meetings but promote more frequent contact to discuss any questions or changes you may have through life’s ups and downs.

24/7 Client Portal access

Understanding that transparency is important to clients, we have created a Client Portal, which is accessible 24/7. The Client Portal is not only available through your computer; it can also be accessed through your iPhone or Android. Through our Client Portal, you will have the ability to monitor your portfolio’s performance, view consolidated accounts, and store private or sensitive information such as wills, trusts, or estate information all within one location! Clarity, simplicity and efficiency are a top priority at ChangePath and through the Client Portal we are able to ensure you remain informed and involved in your financial plan.

What you can expect from us

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www.changepath.comT 888.798.2360 • F 913.814.0512

info@changepath.com

11460 Tomahawk Creek Pkwy • Suite 200 Leawood, KS 66211

For educational purposes only. This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.

This presentation was prepared exclusively for information and discussion purposes, and is not meant to be, nor shall it be construed as, an attempt to define all information that may be material to you. All information including opinions or facts expressed herein are current as of the date appearing in this presentation and is subject to change without notice.

All information has been obtained from sources believed to be reliable. No representation, warranty, or undertaking, express or implied, is given as to the accuracy or completeness of the information or opinions contained in this presentation.

The information and opinions in this presentation do not constitute investment advice.

©2018 Change Path, LLCAdvisory Services offered through Change Path, LLC an SEC Registered Investment Adviser.