Personal Wealth Management

Personal Wealth Management

Integrated Wealth Management Multi Generational Wealth Planning

Retirement Plan Solutions

Personalized Wealth Management

AspenCross Financial Group (AFG) personal wealth management provides individuals and families a comprehensive, integrated ap- proach to wealth management. We employ a goals based method- ology as the foundation of our investment management process, coupled with personalized, insightful advice across all aspects of our clients’ wealth.

Our mission and passion is to

enhance the quality of our clients

lives through the delivery of

thoughtful, customized wealth

management solutions and

exceptional client experiences.

Traditional Wealth Management Approach

A traditional investment portfolio is typically managed based on

achieving certain performance targets or compared to the performance of a benchmark. Often, portfolios are built using a single pool of assets and investment strategy. This traditional way of approaching wealth management makes it challenging for an investor to measure progress toward any single goal.

How Are You Currently Invested?

Are your current investments structured to help you achieve the life you envision? Are they properly integrated with all aspects of your wealth and life?

Sample Traditional Investment Portfolio*

At AFG we utilize a goals oriented, multiple portfolio approach to personal wealth management, versus the traditional, consolidated single investment portfolio approach commonly used by many firms.

Large Cap Equity Mid/Small Cap Equity

Emerging Markets Equity International Equity

Core Fixed Income High Yield Bond

* Hypothetical example used for illustrative purposes only and does not represent any

specific investment. Actual results will vary.

The Portfolios shown above are for illustrative purposes only. This does not represent individually tailored investment advice. Actual portfolio allocations will vary based on individual circumstances. The asset classes are not necessarily suitable for all investors.

Goals Based Approach

Align your wealth with your life goals, dreams, and aspirations A goals based wealth management approach is designed to help you properly align your wealth with your life. Integrating your life and wealth into a cohesive investment strategy based on achieving specific life goals, rather than just investing to meet a performance target or exceed a benchmark, leads to more relevant goal driven investment decisions.

Goals Based Investment Process

Goals based investing begins with identifying specific life goals that you want to accomplish through your investment programs. Based on these specific goals and your personal investment philosophies, individual investment pools, each with its own tailored investment strategy, are then established for each goal or group of goals that have similar characteristics.

Examples of Goals Based Portfolios

Current Lifestyle Future Lifestyle Legacy Creation Stability Focused

Portfolio Time Focused

Portfolio Market Focused

Portfolio

Goals based portfolios are able to match multiple goals with investment portfolios that match the risk and return needs of each specific goal.

Money Market High Yield Bond Short Term Bond Real Estate

Large Cap Equity Intermediate Bonds International Bonds Emerging Markets

Mid Cap Equity

Small Cap Equity

International Equity

Alternative Investments

Our Process

Empowering you to achieve the life you envision

We take a highly personalized approach to helping our clients create and manage their wealth, maintain or enhance their lifestyle and enable them to leave a true and lasting legacy for their heirs and community.

Our personalized goals based wealth management process provides our clients with more clarity and a sense of purpose to the financial and investment decisions they make, empowering them to achieve the life they envision.

Analyze

Explore Options Implementation

Monitor Progress &

Manage

Change

Discovery

Key Discussion Points

• Family Dynamics

• Retirement Lifestyle Goals

• Family Mission and Values

• Current Lifestyle Needs

• Tolerance for Risk

• Charitable Plans

• Legacy Creation

• Wealth Transfer Objectives

• Tax Considerations ¹

1

Individuals must consult with their personal tax, legal or accounting advisors for specific professional legal and tax advice. Neither Signator Investors, Inc., its affiliates nor any of its agents or employees is in the business of offering such advice.

We take the time to listen, learn and thoroughly under- stand your current financial situation, your values, con- cerns and personal invest- ment philosophies.

We then help you align your investment strategy to your life’s goals, which will form the foundation for creating your personal wealth man- agement strategy.

Analyze

Explore Options Implementation

Monitor Progress &

Manage

Change

Analyze

Key Points

• Analyze Current Portfolio

• Financial Status

• Probability Analysis

• Investment Correlation

• Goal Matching

• Tax Considerations ¹

• Risk Assessment

Review current strategies and evaluate whether they are properly aligned with your investment prefer- ences, risk tolerance and life goals.

Analyze

Explore Options Implementation

Monitor Progress &

Manage

Change

Explore Options

Key Points

• Risk Assessment

• Performance Metrics

• Scenario Creation

• Goal Matching

• Tax Management ¹

• Probability Analysis

• Liquidity and Cash Flow Requirements

• Asset Allocation

• Manager Selection

Once we have a clear vision of where you are now and where you would like to be, we can then explore meaning- ful strategies designed to best utilize your wealth to achieve your objectives.

Analyze

Implementation Monitor

Progress &

Manage Change

Explore Options

Implementation

Key Points

• Retirement Solutions

• Education Funding

• Charitable Plans

• Current Lifestyle

• Multi Generational Wealth Management

• Major Purchase

• Business Start-up or Expansion

• Legacy Creation

Aligning your financial resources with your life.

We carefully integrate, in a disciplined and re- sponsible way, your cho- sen investment solutions, drawn from a broad range of global investment re- sources in accordance with your specific goals based objectives.

Analyze

Explore Options Implementation

Monitor Progress &

Manage

Change

Monitor Progress &

Manage Change

Key Points

• Track Progress Towards Goals

• Performance Reporting

• Economic Conditions

• Tax Law Changes

• Goal Adjustment

• Portfolio Rebalancing

• Manager Performance

• Life Events

Life Happens

We are committed to continu- ally monitoring your progress and making necessary adjust- ments due to changes in your situation, tax laws or market conditions, to ensure your wealth continues to enhance your life and support the way you want to live.

Analyze

Explore Options Implementation

Monitor Progress &

Manage

Change

Values Based Wealth Management Strategies

• Socially Responsible Investing

Investors who apply a certain perspective on Environmental, Social, and Governance issues to screening investment options.

Socially responsible investors generally favor investing in

companies that promote environmental stewardship, consumer protection, human rights and diversity.

• Mission Related Investment Strategies

Families and private foundations engage in mission related investing to create strategies that support the family’s or

organization’s core missions and goals in addition to generating financial returns.

• Sustainability Investing

Investors who are concerned about the environment and the ability of future generations to meet their needs. These concerns are thought of as “sustainability” issues and are related in

investor decision-making through an evaluation of corporate policies and practices. Investing in companies that meet positive environmental, social and governance criteria.

• Faith-based Investing

Investors seeking to incorporate core tenets of their faith into

their investment and wealth management strategies.

Registered Representative / Securities and Investment Advisory Services are offered through Signator Investors, Inc., member

FINRA / SIPC, a registered investment adviser. AspenCross Financial Group is independent of Signator Investors, Inc., and John

Hancock. One Technology Drive, Westborough, MA 01581. 508-870-0440. Individuals must consult with their personal tax, legal or

accounting advisors for specific professional legal and tax advice. Neither Signator Investors, Inc., its affiliates nor any of its agents

or employees is in the business of offering such advice. Signator Investors, Inc., provides fee-based advisory accounts and fee-based

financial planning and only qualified representatives enrolled in the Signator Investors, Inc. Corporate Registered Investment Advi-

sor Program may offer these advisory products and services. 026-03122010-17215294