S M G F I N A N C I A L A D V I S O R S

REDEFININGwealth management

S M G F I N A N C I A L A D V I S O R S

• do you have any immediate financial issues that concern you?

• have you thought about your longer term financial goals?

• what is your past experience with financial advisors?

• what is your personal knowledge of investing?

• how did you hear about us?

• any other thoughts you want to express before we start?

what brought you here today?these questions will help focus today’s discussion

S M G F I N A N C I A L A D V I S O R S

about usKen

SvobodaManaging Director

BrianD’Aprile

CIO

TomCarmody

Financial Advisor

RobMcDaniel

Financial Advisor

SMG FinancialAdvisors

Svoboda Legal

The Svoboda McDaniel Group

KathySvoboda

Attorney

Clients of SMG Financial Advisors are under no obligation to utilize the services of The Svoboda McDaniel Group or Svoboda Legal. Accounting, tax, and legal service providers should be chosen after careful consideration. These separate entities are only shown to illustrate the availability of a holistic approach to solving your financial needs. The Svoboda McDaniel Group and Svoboda Legal are completely separate entities from each other and from SMG Financial Advisors. None of the firms receive or pay any referral fees for client referrals and any client information shared between the firms requires prior client approval.

S M G F I N A N C I A L A D V I S O R S

our services

ConciergeAdvice℠

“these eight uniqueaspects of our

program representthe eight

principal pointson a compass”

1independen

t 2fiduciary

3comprehensiv

e

4team

concept

5conflict free6

exclusive

7charitable

8affordable

S M G F I N A N C I A L A D V I S O R S

• we are 100% independent

• operated by the founders and owners who all serve as advisors

• no home office directing our operations

• all decisions made locally by the management team

• compare that to Merrill Lynch, Ameriprise, Edward Jones, Raymond James, etc.

independent1

S M G F I N A N C I A L A D V I S O R S

• we have chosen to be organized and licensed as registered investment advisors

• fiduciary: an advisor who must place the client’s interests ahead of their own in all matters

• contrast that with a registered representative

• suitable: the recommendation must fit the circumstances

fiduciaries2

S M G F I N A N C I A L A D V I S O R S

ConciergeAdvice℠ includes the five pillars of financial planning

comprehensive3

retirementplanning

investmentplanning

taxplanning

insurancerisk mngt

estateplanning

1 5432

S M G F I N A N C I A L A D V I S O R S

• we utilize a “team concept” to serve all of our ConciergeAdvice℠ clients:

1. Investment Committee

• this committee meets monthly to manage and assess the portfolios and their holdings

2. Client Case Review Team

• this team meets weekly to review all open client cases and gather input utilizing the individual areas of expertise from all advisors

team concept4

S M G F I N A N C I A L A D V I S O R S

conflict free512b-1 fees

com-mis-sions

AUM

no 12b-1

charity

we invest too

flat fees

Typical AdvisorConciergeAdvice

S M G F I N A N C I A L A D V I S O R S

• it’s vitally important to our founders and employees that we never grow too large where our service to our clients suffer

• we have therefore committed to closing our practice at a total of 450 ConciergeAdvice℠ clients

• limiting the number of available opportunities to become ConciergeAdvice℠ clients is a model that achieves a healthy balance of firm growth and exceptional client service, illustrating our commitment to making client service a priority

exclusive6

S M G F I N A N C I A L A D V I S O R S

charitable7 • insurance plays a role for many clients

• however, the industry is designed around the commission model and we are dedicated to removing all conflicts of interest

• to that end, we are committed to a philanthropic goal of eventually donating 100% of all insurance profits to charities chosen by our clients

total number of

clients

percent donated to

charityup to 150 25%

150 to 300

50%

over 300 100%

S M G F I N A N C I A L A D V I S O R S

affordable8 • we have priced the ConciergeAdvice℠ model to be affordable for those just starting out and to be extremely cost competitive to those clients already working with a conventional advisor:

Builder Plan℠ Foundation Plan℠

Investable Assets up to $350k over $350kMonthly Fee $100 $300

Investable assets include all investment accounts, IRAs, and employer plan accounts such as 401(k), 403(b), 457, TSP, etc. The assets do not have to be managed by our firm to count as an investable asset. The same monthly fee applies to individuals and married couples.

The builder plan is affordable for those clients who are just starting out or may not even meet the conventional minimum account size of typical

advisors (often as high as $200,000-250,000). We have no minimum client account requirement.

The foundation plan is competitively priced as $3,600 a year or $300 a month. A conventional advisor typical charges 1.00-1.20% a year. For a

client with just $500,000, that equals $5,000-6,000. Large clients can save much more!

S M G F I N A N C I A L A D V I S O R S

ANY QUESTIONS?©Copyright 2016 SMG Financial

Advisors LLC. All rights reserved. The SMG Financial Advisors name and

logo, and the ConciergeAdvice, Builder Plan, and Foundation Plan

names are unregistered trademarks of SMG Financial Advisors LLC.

The information, data, analyses and opinions presented herein do not constitute investment advice; are provided solely for informational

purposes, and therefore are not an offer to buy or sell a security; and are not warranted to be correct, complete

or accurate. The opinions expressed are as of the date written and are subject to change without notice,

except as otherwise required by law. SMG Financial Advisors shall not be

responsible for trading decisions, damages or other losses resulting

from, or related to, the information, date, analyses or opinions or their

use. The information contained herein is the proprietary property of SMG Financial Advisors and may not be reproduced, in whole or in part, or

used in any manner, without the prior written consent of SMG Financial

Advisors.

S M G F I N A N C I A L A D V I S O R S

• minimize costs

• utilize in-house stock research and low cost index exchange traded funds (ETFs)

• no active mutual funds - why pay your financial advisor and a mutual fund manager?

• dynamic rebalancing (historic return boost of 0.59%* annually)

• Modern Portfolio Theory

• Nobel Prize winning research that aids in determining the proper asset allocation that maximizes return for a given level of risk

• value investing focus

• disciples of Warren Buffett & Benjamin Graham

how we invest

* Past performance may not be indicative of future performance. The dynamic rebalancing projection may not deliver the additional return as indicated by its past success and there is no guarantee of how it will affect the returns of client accounts.

S M G F I N A N C I A L A D V I S O R S

modern portfolio theorythe efficient frontier

Risk

Retu

rn constant risk level with varying returnsconstant

return level with varying

risk

Efficient Portfolios

Inefficient Portfolios

S M G F I N A N C I A L A D V I S O R S

our portfoliosthe efficient frontier

Risk

Retu

rn

Preservation Portfolio

Balanced Portfolio

Aggressive Growth PortfolioGrowth Portfolio

Conservative Portfolio

S M G F I N A N C I A L A D V I S O R S

our portfolio allocationsFolio Preservation

PortfolioConservative

Portfolio Balanced Portfolio Growth Portfolio Aggressive Growth Portfolio

large u.s. stock 10% 15% 27% 30% 35%mid/small u.s. stock 8% 10% 15% 20%foreign stock 5% 8% 8% 7.5% 12.5%u.s. bonds 35% 30% 20% 15% 5%inflation indexed bonds 15% 20% 15% 10% 5%

high yield bonds 5% 5% 5%foreign bonds 5% 5% 5% 5% 5%real estate 2.5% 2% 2.5% 5% 5%alternative investments 2.5% 2% 2.5% 2.5% 2.5%cash & cash equivalents 25% 10% 5% 5% 5%

S M G F I N A N C I A L A D V I S O R S

• low cost

• research-based, academic, optimized portfolios

• scalable, manageable, understandable

• proven rebalancing strategy

• we have investments in exactly the same securities

our investment managementadvantages

S M G F I N A N C I A L A D V I S O R S

ANY QUESTIONS?©Copyright 2016 SMG Financial

Advisors LLC. All rights reserved. The SMG Financial Advisors name and

logo, and the ConciergeAdvice, Builder Plan, and Foundation Plan

names are unregistered trademarks of SMG Financial Advisors LLC.

The information, data, analyses and opinions presented herein do not constitute investment advice; are provided solely for informational

purposes, and therefore are not an offer to buy or sell a security; and are not warranted to be correct, complete

or accurate. The opinions expressed are as of the date written and are subject to change without notice,

except as otherwise required by law. SMG Financial Advisors shall not be

responsible for trading decisions, damages or other losses resulting

from, or related to, the information, date, analyses or opinions or their

use. The information contained herein is the proprietary property of SMG Financial Advisors and may not be reproduced, in whole or in part, or

used in any manner, without the prior written consent of SMG Financial

Advisors.