protecting and enhancing your financial

well-being

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We help you take great care of your money by assisting in managing your total financial

situation. This allows you to take the best possible care of what’s most important in

life – you, your family, and the causes you care about.

At McKinley Carter Wealth Services, understanding what is important to you allows us to

design and implement comprehensive wealth management strategies tailored specifically

to your situation. Through analysis, education, and guidance, we are able to serve as your

advocate and apply the rigorous fiduciary standards of care needed to protect your

financial interests.

We understand that money is not the most important thing in life, but we believe that effectively managing your total financial situation will help you take better care of the things that are.

recognition & accomplishments

McKinley Carter is in the top 10% of all independent registered investment advisors

in the country, according to industry data collected by Moss Adams, and has been

recognized by:

• Wealth Manager Magazine: “Top Wealth Managers”

• Medical Economics Magazine: “150 Best Financial Advisors for Doctors”

• Investment News: “Top 50 fee-only emerging registered investment advisors”

• Pittsburgh Magazine: “Best Wealth Managers in the Pittsburgh Area”

• Financial Advisor Magazine: One of the nation’s “Leading RIA Firms”

• Inc. Magazine: One of the “Fastest Growing Private Companies in America”

• Financial Advisor Magazine: One of the nation’s “Fastest Growing Firms”

Further information as to how these rankings were determined can be found on page 11.

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independent

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We help you take great care of your money by assisting in managing your total financial

situation. This allows you to take the best possible care of what’s most important in

life – you, your family, and the causes you care about.

At McKinley Carter Wealth Services, understanding what is important to you allows us to

design and implement comprehensive wealth management strategies tailored specifically

to your situation. Through analysis, education, and guidance, we are able to serve as your

advocate and apply the rigorous fiduciary standards of care needed to protect your

financial interests.

We understand that money is not the most important thing in life, but we believe that effectively managing your total financial situation will help you take better care of the things that are.

recognition & accomplishments

McKinley Carter is in the top 10% of all independent registered investment advisors

in the country, according to industry data collected by Moss Adams, and has been

recognized by:

• Wealth Manager Magazine: “Top Wealth Managers”

• Medical Economics Magazine: “150 Best Financial Advisors for Doctors”

• Investment News: “Top 50 fee-only emerging registered investment advisors”

• Pittsburgh Magazine: “Best Wealth Managers in the Pittsburgh Area”

• Financial Advisor Magazine: One of the nation’s “Leading RIA Firms”

• Inc. Magazine: One of the “Fastest Growing Private Companies in America”

• Financial Advisor Magazine: One of the nation’s “Fastest Growing Firms”

Further information as to how these rankings were determined can be found on page 11.

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independent

McKinley Carter designs and implements comprehensive financial strategies customized to advance your personal goals and ambitions.

McKinley Carter’s staff not only has the financial expertise to provide specialized services

directly to you, but can also coordinate the actions of the other people involved in taking

care of your total financial situation.

Our clients require educated, experienced, and highly credentialed staff to handle

their financial needs. Our team includes individuals with some of the most respected

designations and credentials in the industry as well as experience in all major

financial sectors.

Our team’s financial services credentials include:

• Certified Financial Planner

• Chartered Financial Analyst

• Chartered Retirement Planning Counselor

• Certified Mortgage Planning Specialist

• Certified Public Accountant

• Juris Doctor

Our team’s financial sector experience includes:

• Banking

• Business leadership

• Finance and accounting

• Financial planning and education

• Insurance

• Investment management

• Law

• Mortgage banking

• Retirement plan design and administration

• Tax

• Trust administration

McKinley Carter helps individuals and their families take great care of their finances – as well as the businesses, organizations, and communities they care deeply about.

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comprehensive

McKinley Carter designs and implements comprehensive financial strategies customized to advance your personal goals and ambitions.

McKinley Carter’s staff not only has the financial expertise to provide specialized services

directly to you, but can also coordinate the actions of the other people involved in taking

care of your total financial situation.

Our clients require educated, experienced, and highly credentialed staff to handle

their financial needs. Our team includes individuals with some of the most respected

designations and credentials in the industry as well as experience in all major

financial sectors.

Our team’s financial services credentials include:

• Certified Financial Planner

• Chartered Financial Analyst

• Chartered Retirement Planning Counselor

• Certified Mortgage Planning Specialist

• Certified Public Accountant

• Juris Doctor

Our team’s financial sector experience includes:

• Banking

• Business leadership

• Finance and accounting

• Financial planning and education

• Insurance

• Investment management

• Law

• Mortgage banking

• Retirement plan design and administration

• Tax

• Trust administration

McKinley Carter helps individuals and their families take great care of their finances – as well as the businesses, organizations, and communities they care deeply about.

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comprehensive

wealth management services

Our first priority is to ensure that all of your investments, whether managed by McKinley

Carter or not, are part of a comprehensive investment strategy that complements the

other aspects of your financial life. Designed to minimize volatility while producing the

growth needed to achieve your personal goals, our strategic approach to investments

is grounded in rigorous, periodic assessments. These assessments explore your entire

financial situation and employ the sophisticated, yet flexible, investment tactics needed

to advance both your short and long-term objectives.

At McKinley Carter, we help clients assess how much of their lifestyle they may maintain

at different points in the future from their savings alone. These periodic assessments

help you understand what you need to do to be “on track” for a secure retirement, and

enable you to make informed and confident decisions about the various life choices that

can significantly impact your financial future.

InveSTMenT STRATeGy

ReTIReMenT PLAnnInG

eSTATe PLAnnInG & TRuST SeRvICeS

One of the reasons our clients are compelled to build and protect their wealth is to

help future generations realize their personal aspirations. We help clients specify their

intergenerational goals and coordinate the people needed to handle complex estate-

related matters. We also facilitate communications between and within families in order

to prudently manage family assets in a manner that strengthens family harmony over

the long-term.

BAnKInG & DeBT SeRvICeS

McKinley Carter advisors can help secure the banking services you need, whether

this involves borrowing money, accessing cash when you need it, or handling

administrative matters such as paying bills and preparing tax returns.

For clients who already have loans, we evaluate ways to reduce interest and

administrative costs, while helping determine what costs and benefits can be

realized by pre-payment.

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RISK MAnAGeMenT

Most people need to consider the potential adverse impact of death, disability, liability,

and taxes on their accumulated financial holdings. Whether insuring against lost income

or long-term care expenses, facilitating smooth business transitions, avoiding paying

unnecessary taxes, or reducing the risk of property and casualty losses, we can help you

design the strategies to manage risk in today’s increasingly complex and litigious world.

At McKinley Carter, wealth management means helping you make sure that you are doing

all you can to manage your financial life in a way that advances your personal goals and

ambitions. This requires the expertise to listen, learn, coordinate, and inspire the actions

needed to build the strongest possible financial future for you, your family, and the causes

you care deeply about.

wealth management services

Our first priority is to ensure that all of your investments, whether managed by McKinley

Carter or not, are part of a comprehensive investment strategy that complements the

other aspects of your financial life. Designed to minimize volatility while producing the

growth needed to achieve your personal goals, our strategic approach to investments

is grounded in rigorous, periodic assessments. These assessments explore your entire

financial situation and employ the sophisticated, yet flexible, investment tactics needed

to advance both your short and long-term objectives.

At McKinley Carter, we help clients assess how much of their lifestyle they may maintain

at different points in the future from their savings alone. These periodic assessments

help you understand what you need to do to be “on track” for a secure retirement, and

enable you to make informed and confident decisions about the various life choices that

can significantly impact your financial future.

InveSTMenT STRATeGy

ReTIReMenT PLAnnInG

eSTATe PLAnnInG & TRuST SeRvICeS

One of the reasons our clients are compelled to build and protect their wealth is to

help future generations realize their personal aspirations. We help clients specify their

intergenerational goals and coordinate the people needed to handle complex estate-

related matters. We also facilitate communications between and within families in order

to prudently manage family assets in a manner that strengthens family harmony over

the long-term.

BAnKInG & DeBT SeRvICeS

McKinley Carter advisors can help secure the banking services you need, whether

this involves borrowing money, accessing cash when you need it, or handling

administrative matters such as paying bills and preparing tax returns.

For clients who already have loans, we evaluate ways to reduce interest and

administrative costs, while helping determine what costs and benefits can be

realized by pre-payment.

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RISK MAnAGeMenT

Most people need to consider the potential adverse impact of death, disability, liability,

and taxes on their accumulated financial holdings. Whether insuring against lost income

or long-term care expenses, facilitating smooth business transitions, avoiding paying

unnecessary taxes, or reducing the risk of property and casualty losses, we can help you

design the strategies to manage risk in today’s increasingly complex and litigious world.

At McKinley Carter, wealth management means helping you make sure that you are doing

all you can to manage your financial life in a way that advances your personal goals and

ambitions. This requires the expertise to listen, learn, coordinate, and inspire the actions

needed to build the strongest possible financial future for you, your family, and the causes

you care deeply about.

institutional investment & consulting services

ReTIReMenT PLAn SeRvICeS

We provide a dedicated team and a comprehensive range of services to meet your

business’ retirement plan needs. We know plan design, vendor selection, and investment

monitoring can be confusing. Some plans might appear to be inexpensive on the surface,

but closer examination can reveal complicated and sometimes misleading fee structures

that may not be in your best interest.

The experienced retirement plan team at McKinley Carter brings value through objective

advice, and seeks the lowest total plan costs possible. We can help you identify your

fiduciary responsibilities, analyze and reduce plan expenses, and optimize investment

options for your employees. Together, we will build a qualified fiduciary advisor relationship

that develops management training and provides employee education tools for

administering the plans provided by your organization.

FInAnCIAL eDuCATIOn

As an employer, you often struggle to find talented individuals. Once you’ve built your

workforce, retaining employees is paramount to your continued success, and offering

financial education can be a valuable benefit.

Many employees expect personal financial guidance from their employers as they

receive their plan information. We know navigating the potential investment options

can be confusing, and our workplace education team can help by designing and

delivering a relevant program to ensure investment objectives are met.

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We provide institutional investment and consulting services to small businesses, endowments, and non-profits to help them design more effective retirement plans and manage their strategic financial concerns.

CAReeR & BuSIneSS COnSuLTInG

The most important asset for many of our clients is their career, which often involves

owning a business. McKinley Carter can help you assess which aspects of your career

or business may benefit from more attention, and evaluate how market forces might

impact your ability to make money in the future. Also, we help evaluate how best

to invest your time, energy, and resources to balance work and personal priorities.

We also help business owners design and administer employee benefit plans

to reduce taxes and help their employees save for retirement.

proactive

institutional investment & consulting services

ReTIReMenT PLAn SeRvICeS

We provide a dedicated team and a comprehensive range of services to meet your

business’ retirement plan needs. We know plan design, vendor selection, and investment

monitoring can be confusing. Some plans might appear to be inexpensive on the surface,

but closer examination can reveal complicated and sometimes misleading fee structures

that may not be in your best interest.

The experienced retirement plan team at McKinley Carter brings value through objective

advice, and seeks the lowest total plan costs possible. We can help you identify your

fiduciary responsibilities, analyze and reduce plan expenses, and optimize investment

options for your employees. Together, we will build a qualified fiduciary advisor relationship

that develops management training and provides employee education tools for

administering the plans provided by your organization.

FInAnCIAL eDuCATIOn

As an employer, you often struggle to find talented individuals. Once you’ve built your

workforce, retaining employees is paramount to your continued success, and offering

financial education can be a valuable benefit.

Many employees expect personal financial guidance from their employers as they

receive their plan information. We know navigating the potential investment options

can be confusing, and our workplace education team can help by designing and

delivering a relevant program to ensure investment objectives are met.

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We provide institutional investment and consulting services to small businesses, endowments, and non-profits to help them design more effective retirement plans and manage their strategic financial concerns.

CAReeR & BuSIneSS COnSuLTInG

The most important asset for many of our clients is their career, which often involves

owning a business. McKinley Carter can help you assess which aspects of your career

or business may benefit from more attention, and evaluate how market forces might

impact your ability to make money in the future. Also, we help evaluate how best

to invest your time, energy, and resources to balance work and personal priorities.

We also help business owners design and administer employee benefit plans

to reduce taxes and help their employees save for retirement.

proactive

By developing and customizing a clearly defined program, we can assist your finance

committee or trustees in fulfilling their fiduciary responsibilities.

Our approach involves a straightforward, four-step process:

1. Identify your organization’s investment goals

2. Develop a comprehensive asset allocation strategy

3. Recommend appropriate investment managers

4. Monitor, evaluate, and report your portfolio’s overall performance

Most importantly, we provide an unbiased approach that may not be available through

a direct relationship with any single money manager, bank, or trust department, helping

your organization sustain its mission and ensure financial independence.

InSTITuTIOnAL InveSTMenT MAnAGeMenT

We believe that conducting our business with the highest ethical standards – honesty,

integrity, and professionalism – is the foundation for lifelong relationships with our clients.

We accomplish these standards by being:

independent: As an independent advisor, we have the autonomy to help you find the

best possible financial services and products to care for your wealth.

proactive: Our reviews and continuous communication are focused on helping you

and others take the actions needed to protect and enhance your financial well-being.

objective: Our fees are fully disclosed and discussed in advance. Legally obligated

to put your interests first, we are not biased by commissions or other transaction-based

forms of compensation.

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Wealth Manager Magazine: Rankings based on growth in 2008, average three-year growth, AuM per staff, and AuM per client.

Medical Economics Magazine: Ratings based on research by Medical economics Magazine. The criteria used include: knowledge and experience, geographic location, fee arrangements, minimum portfolio requirements, and federal disciplinary history. The rating does not necessarily reflect any individual client’s actual experience.

Investment News: Rankings based on between $100 and $500 million in discretionary AuM, greater than 30% growth in discretionary AuM, greater than 50% of their business must serve the retail marketplace. Must provide financial planning services, portfolio management for individuals, and conduct due diligence on third party advisers. Must not be doing business as a broker/dealer, bank or insurance

company. Must not charge commissions, or have registered representative employees at the firm.

Pittsburgh Magazine: Listings based on survey responses ranking wealth managers for customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale-service, quality of recommendations and overall satisfaction. each wealth manager was reviewed for disciplinary reports. The resulting list represents those wealth managers in the Pittsburgh area that scored highest in client satisfaction.

Financial Advisor Magazine: Rankings based on discretionary and nondiscretionary AuM reported on form ADv.

Inc. Magazine: Rankings based on four full calendar years of sales, being u.S.-based, privately held, for profit, and independent.

By developing and customizing a clearly defined program, we can assist your finance

committee or trustees in fulfilling their fiduciary responsibilities.

Our approach involves a straightforward, four-step process:

1. Identify your organization’s investment goals

2. Develop a comprehensive asset allocation strategy

3. Recommend appropriate investment managers

4. Monitor, evaluate, and report your portfolio’s overall performance

Most importantly, we provide an unbiased approach that may not be available through

a direct relationship with any single money manager, bank, or trust department, helping

your organization sustain its mission and ensure financial independence.

InSTITuTIOnAL InveSTMenT MAnAGeMenT

We believe that conducting our business with the highest ethical standards – honesty,

integrity, and professionalism – is the foundation for lifelong relationships with our clients.

We accomplish these standards by being:

independent: As an independent advisor, we have the autonomy to help you find the

best possible financial services and products to care for your wealth.

proactive: Our reviews and continuous communication are focused on helping you

and others take the actions needed to protect and enhance your financial well-being.

objective: Our fees are fully disclosed and discussed in advance. Legally obligated

to put your interests first, we are not biased by commissions or other transaction-based

forms of compensation.

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e x per i enced

Wealth Manager Magazine: Rankings based on growth in 2008, average three-year growth, AuM per staff, and AuM per client.

Medical Economics Magazine: Ratings based on research by Medical economics Magazine. The criteria used include: knowledge and experience, geographic location, fee arrangements, minimum portfolio requirements, and federal disciplinary history. The rating does not necessarily reflect any individual client’s actual experience.

Investment News: Rankings based on between $100 and $500 million in discretionary AuM, greater than 30% growth in discretionary AuM, greater than 50% of their business must serve the retail marketplace. Must provide financial planning services, portfolio management for individuals, and conduct due diligence on third party advisers. Must not be doing business as a broker/dealer, bank or insurance

company. Must not charge commissions, or have registered representative employees at the firm.

Pittsburgh Magazine: Listings based on survey responses ranking wealth managers for customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale-service, quality of recommendations and overall satisfaction. each wealth manager was reviewed for disciplinary reports. The resulting list represents those wealth managers in the Pittsburgh area that scored highest in client satisfaction.

Financial Advisor Magazine: Rankings based on discretionary and nondiscretionary AuM reported on form ADv.

Inc. Magazine: Rankings based on four full calendar years of sales, being u.S.-based, privately held, for profit, and independent.

toll free 866.306.2400www.mc–ws.com

McKinley Carter is an SeC-registered investment advisor. For information pertaining to McKinley Carter’s fees and services, please contact McKinley Carter for a copy of our disclosure statement as set forth on our Form ADv.For information pertaining to our registration status, refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov).