What am I paying for?

SEM Investment Management Fee: 1.125% Max

• Daily and monthly monitoring of your portfolio

• Access to lower cost investment options

• Proprietary Portfolios that play Offense and Defense

• Portfolio diversification

• Working with advisor to create a risk efficient investment portfolio

• Frequent communication with your advisor

• Protection of downside market risk

• Economic & Investment Information via Quarterly Newsletter

• Handling of contributions, withdrawals and distributions

• Create Investment Policy Statement for the client & advisor

Financial Advisor Fee: 1.125% Max^

^note: some advisors may charge flat rates for some of these services or may not offer all of them

1.) Initial Development of your customized plan

• Savings & Budget Goals

• Taxes & Estate planning

• Retirement Income Planning

• Determine Investment Objectives, Risk Tolerance, & time horizon

2.) Implementation of Plan

• Tax Management

• Select Investment Solutions

• Monitoring / Reviewing all of the above periodically

• Behavior modification (help avoid emotional decisions)

3.) Other customized services

• Retirement transitioning

• Social Security/Medicare/Pension assistance

• Insurance protection planning

Custodian (Axos): 0.12% Fee Max*

*Note: historically this has averaged less than 0.10%/yr.

• Access to over 8000 mutual funds & ETFs that SEM can choose from without any transaction fees

• Unlimited trading

• Real-time internet access to account information

• Tax Reporting (1099s, 5498, Cost Basis, 8949) with electronic downloads of data for CPA

• Quarterly custodian statement either paper or electronic

• Required Minimum Distribution Calculations for Clients over the age of 70.5

• ACH Withdrawals and Check processing