As an Investment Adviser Representative of Commonwealth Financial Network®, I have the ability to offer wealth management services that address the complex financial planning issues that many of my clients face. Commonwealth’s Wealth Management program provides me with the infrastructure to offer you a comprehensive array of services to help plan and manage your wealth. For the phases of your financial life Wealth management refers to the coordination of various strategies that encompass all phases of your financial life, from the accumulation of assets, to risk management, to tax strategies, to retirement and estate planning. The easiest way to conceptualize wealth management is to think of it as the logical transitions of your financial life:

• The accumulation of wealth. Construction of a solid, financial base sufficient to pursue your financial objectives.

• The protection of wealth. Creation of a strategy aimed at preserving your assets from erosion due to unexpected expenses, inflation, market decline, and taxes.

• The tax-advantaged distribution of wealth during life. Development of a sophisticated tax management plan to enhance your asset base by minimizing your tax burden and allowing you to distribute your assets according to your wishes.

• The tax-advantaged distribution of wealth at death. Planning for the controlled distribution of your assets at death—to whom you want, when you want, and at the lowest possible cost. Strategies for complex issues Wealth management planning seeks answers to those tough economic questions and decisions that come with modern living. Commonwealth’s Wealth Management program divides these issues into six modules—each focusing on a different area of your financial life:

• Accumulation addresses your individual needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. Accumulation strategies help to ensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your asset base.

• Risk management works to minimize financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then to either avoid or minimize the major exposures