Focusing on Your Goals to Achieve Financial Freedom

You benefit from:

Life’s a Journey...and every journey should have a plan

Like a journey, life presents turns, detours, and forks in the road. Your response to changes and transitions influence when and if you reach your goals.

You have a unique life story and your financial plan should be just as uniquas unique.

Are you clear about your direction? Will the path you are on lead you there?

is our objective process for exploring ways for you to use your money to make a life instead of using your life to make money.

The Big Picture

A Disciplined Approach

Protecting Family and Lifestyle

Achieving Financial Comfort

Building a Legacy

Financial planning begins with you becoming aware of your goals, and your financial advisor learning about you and your resources. Through our process you will refine your objectives while gaining financial knowledge and

confidence. Together, we will align your resources with your goals.

What drives your investment selection process? We seek fund companies that share our philosophy of asset class investing and capturing market returns at significantly lower costs. Our clients recieve an investment policy aligned with their financial plan, risk tolerance, and circumstances.

A financial plan should adapt to address risks that could prevent you from achieving your goals and objectives. We do not sell insurance. Your financial advisor will offer objective, unbiased insurance planning.We review the coverage provided by

your current insurance to determine if it efficiently protects you.

The ultimate goal of financial planning is to become self-sufficient and independent from the need to work to support your lifestyle.

Whether retirement is a distant dream, today's reality, or somewhere in between, you need a strategy to address

providing income over a longer lifespan.

Your legacy should articulate the principles that have defined your family culture, shaped your life, and created your wealth. Your financial advisor will help communicate your story to your loved ones and team of advisors. Your family will be equipped to manage and preserve your legacy.

Achieving Financial Comfort With Income Planning

A Disciplined Approach to Investing

Protecting Family and Lifestyle with Insurance Planning

The Big Picture of Financial Planning

Building a Legacy and Preserving it When You’re Gone

HIGHLAND Portal

HIGHLAND Financial Advisors offers clients direct online access to thesame portfolio management system we use to manage and monitor all ofour client portfolios. We customized our HIGHLAND Portal to report on all of our client’s accounts, consolidated into one portfolio, updated daily with the information that is most important to them.

Daily performance data, asset allocation, gains/losses, deposits/withdrawals, and more.

Customizable dashboard.

Secured access and password protected.

Document vault for secure file storage.

Ability to securely share specific information with client’s accountant, attorney, etc, withclient’s autorization.

Investable Net WorthFirstNext $5,000,000

$1,000,000

$10,000,000

1

1

.48%

.72%1.00%

0.75% to 2.00%0.48% to 1.00%

$ 1,000,001$ 5,000,001

totoNext

Retainer Fee Rate

Amounts over $10,000,000 negotiableMinimum assets under management is $500,000

HIGHLAND Financial Planning Wall Street Companies

What You Pay

Financial life planning, investment planning and management, asset protection, debt management, income planning, estate planning.

“Fee-based” investment selection only“fund picking”

0.73%0.40% 1.35%

HIGHLAND’s Average Expense Ratio

Average Actively ManagedFund Expense Ratio

Average Passively ManagedFund Expense Ratio

Many wall street firms that provide “fee-based” services only provide investment picking. Make sure you understand exactly what services are provided for the fee.

What are the fees you pay for the investment managers an advisor recommends? Many wall street firms may recommend expensive investments due to the limited agreements they have with investment companies. At HIGHLAND, we seek low-cost, institutional managers.

Average of all actively managed domestic mutual fund expense ratios as of August 2012 (per Morningstar)

Average of all passively managed domestic mutual fund expense ratios as of August 2012 (per Morningstar)

2

2

3

3

44 Route 23 North | Riverdale, New Jersey | 07457 Visit us at www.highlandplanning.com Phone: (973) 557-2933