Investing for your present and future financial

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T R U LY P E R S O N A L I Z E D

strategy

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Your investment needs and financial objectives can vary over time.

You may be planning for retirement – or thinking about passing

wealth on to the next generation. Your “financial life” changes as

you travel the journey of your “real life,” and you need a strategic

solution that is dynamic and adaptable to your needs. At the end

of the day, you need a solid relationship with a financial advisor

whom you can believe in. A financial advisor who is committed to

your success will have access to the tools that can help you develop

your personalized investment strategy – so you can focus on life’s

other endeavors.

WMS is a robust wealth management platform providing you

with a streamlined approach to investing. With its personalized

support and professional asset management, WMS makes it simple

for you and your financial advisor to build, execute and manage

a truly personalized strategy – all for one asset-based fee.

This means that WMS takes the work out of your hands so that

you can focus on what’s more important to you in your life. WMS

is an intelligent approach to investing … personalized for each

individual investor.

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Each Year Has Its Best Performers

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009

Small-Cap Value

29.1% International 32.9% International 8.1% Large-Cap Value 38.3% Large-Cap Growth 23.1% Large-Cap Value 35.2% Large-Cap Growth 38.7% Midcap Growth 51.3% Small-Cap Value 22.8% Small-Cap Value 14.0% Fixed Income 10.3% Small-Cap Growth 48.5% Midcap Value 23.7% International 14.0% International 26.9% Large-Cap Growth 11.8% Fixed Income 5.2% Midcap Growth46.3% Midcap Value

21.7% Small-Cap Value 23.8% Cash 4.3% S&P 500 37.6% S&P 500 23.0% Midcap Value 34.3% S&P 500 28.6% Small-Cap Growth 43.1% Midcap Value 19.2% Fixed Income 8.4% Cash 1.8% Small-Cap Value 46.0% Small-Cap Value 22.3% Midcap Value 12.6% Small-Cap Value 23.5% International 11.6% Cash 2.2% Large-Cap Growth37.2% Large-Cap Value

13.6% Large-Cap Value 18.1% Large-Cap Growth 2.6% Large-Cap Growth 37.2% Large-Cap Value 21.6% S&P 500 33.4% International 20.3% Large-Cap Growth 33.2% Fixed Income 11.6% 4.4%Cash Midcap Value -9.7% Midcap Growth 42.7% International 20.7% Midcap Growth 12.1% Large-Cap Value 22.2% Midcap Growth 11.4% Small-Cap Value -28.9% Small-Cap Growth34.5% Midcap Growth

8.7% Midcap Value 15.6% S&P 500 1.3% Midcap Value 34.9% Small-Cap Value 21.4% Small-Cap Value 31.8% Midcap Growth 17.9% International 27.3% Large-Cap Value 7.0% Midcap Value 2.3 % Small-Cap Value -11.4% International 39.2% Large-Cap Value 16.5% Large-Cap Value 7.0% Midcap Value 20.2% Small-Cap Growth 7.0% Large-Cap Value -36.9% Midcap Value34.2% Small-Cap Growth

7.8% Small-Cap Growth 13.4% Small-Cap Value -1.5% Midcap Growth 34.0% Midcap Value 20.3% Large-Cap Growth 30.5% Large-Cap Value 15.6% S&P 500 21.0% Cash 6.2% Large-Cap Value -5.6% Large-Cap Value -15.5% Midcap Value 38.1% Midcap Growth 15.5% Large-Cap Growth 5.3% S&P 500 15.8% Fixed Income 7.0% S&P 500 -37.0% International 32.5% S&P 500

7.7% Midcap Growth 11.2% Large-Cap Value -2.0% Small-Cap Growth 31.0% Midcap Growth 17.5% Midcap Growth 22.5% Fixed Income 8.7% Large-Cap Value 7.4% S&P 500 -9.1% Small-Cap Growth -9.2% International -15.7% Large-Cap Value 30.0% Small-Cap Growth 14.3% S&P 500 4.9% Small-Cap Growth 13.4% S&P 500 5.5% Large-Cap Growth -38.4% S&P 50026.4% Fixed Income

7.4% S&P 500 10.1% Midcap Value -2.1% Small-Cap Value 25.7% Small-Cap Growth 11.3% Small-Cap Growth 12.9% Cash 5.3% Cash 4.9% Midcap Growth -11.7% S&P 500 -11.9% S&P 500 -22.1% Large-Cap Growth 29.8% S&P 500 10.9% Small-Cap Value 4.7% Midcap Growth 10.6% Cash 5.1% Midcap Value -38.4% Small-Cap Value20.5% Large-Cap Growth

5.0% Fixed Income 9.8% Midcap Growth -2.2% Fixed Income 18.5% International 6.4% Fixed Income 9.7% Midcap Value 5.1% Midcap Value -0.1% International -14.0% Midcap Growth -20.2% Midcap Growth -27.4% S&P 500 28.7% Large-Cap Growth 6.3% Small-Cap Growth 4.1% Large-Cap Growth 9.1% Large-Cap Value -0.2% Small-Cap Growth -38.5% Large-Cap Value19.7% Cash

2.9% Cash 3.2% Small-Cap Growth -2.4% International 11.6% 5.4%Cash Cash 5.5% Small-Cap Growth 1.2% Fixed Income -0.8% Large-Cap Growth -22.4% Large-Cap Growth -20.4% Large-Cap Growth -27.9% Fixed Income 4.1% Fixed Income 4.3% 3.1%Cash 4.9%Cash Midcap Value -1.4% International -43.1% Fixed Income5.9% International

-11.85% Large-Cap Growth 2.87% Fixed Income -2.92% 6.09%Cash Fixed Income 3.61% International 2.06% Small-Cap Value -6.43% Small-Cap Value -1.49% Small-Cap Growth -22.44% International -21.21% Small-Cap Growth -30.27% 1.15%Cash 1.29%Cash Fixed Income 2.43% Fixed Income 4.33% Small-Cap Value -9.77% Midcap Growth -44.32% 0.21%Cash

Fee-Based Approach

Fee-based asset management allows you and your financial advisor to share a common goal –

to grow the value of your assets. Instead of commissions based solely on transactions, you have

the option of paying an annual fee that includes advisory services and execution of transactions,

or paying an annual advisory fee plus a transaction fee for each transaction separately.*

An integral piece of the process is developing a personalized strategy with your financial advisor

that you feel comfortable with. You will build a blueprint through one-on-one, in-depth,

thought-ful conversations, supplemented with tools such as risk tolerance questionnaires, discussions of

your financial objectives, and an extensive review of those objectives. This blueprint will serve

as a guide to assist you in creating your recommended portfolio in order to help you reach

your objectives. In addition, you can trust that the appropriate adjustments to your strategy and

portfolio will be made based on your discussions with your financial advisor about your:

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Investment time horizon

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Risk Tolerance Questionnaire

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Recommended asset allocation strategies

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Investment Proposal including Investment Policy Statement

The Case for Diversification

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Diversification involves incorporating different investment styles such as large-cap growth,

small-cap growth, international securities and even exposure to bonds into your portfolio.

The goal of diversification is to mitigate the risk associated with holding a single type of

security in your portfolio. Diversification adds “balance” to your portfolio, since investment

styles act differently depending on market conditions.

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Simplicity

One account, one fee, one statement. WMS makes it easy for you to review your account

as you will receive a quarterly performance report that will keep you informed on how your

investments are performing. You’ll also meet with your financial advisor who will help you

stay on track. It’s a partnership and a strategic solution personalized to your needs.

I N F O R M E D O N Y O U R

investments