Our Service Philosophy and You

Service Mission

The broad goals of our financial advisory services are to:

• Reduce your uncertainty about your financial situation and your outlook for your future
• Help you avoid making financial mistakes
• Assist you in gaining and feeling more control of your financial life and decisions
• Help you attain peace of mind

We offer solutions tailored to your personal situation using a consultative and collaborative approach, and place an emphasis on client education and empowerment. Recognizing that most people do not wish to spend as much time on their finances as we do, we also try to help you simplify your financial life while you are on the way to achieving your financial goals or seeking to maintain your desired lifestyle.

Over time we have learned that we work best with people who possess the following characteristics:

• The desire and motivation to improve their financial situation
• A willingness and the ability to take action
• The ability to understand basic financial concepts

Service Offerings

The firm offers investment management and financial planning services. In order to help you decide whether investment management, financial planning or a complete wealth management solution (financial planning and investment management) is most appropriate for you, we have developed the following client profiles and service descriptions.

While many of our firms clients seek both services; however there is no requirement that you engage us for both financial planning and management of your investment portfolio.

Investment Management

Are you comfortable working with and delegating day-to-day decision making to professionals whom you trust? Do you prefer to collaborate only on strategic level decisions and objectives, and let others handle the details, implementation and monitoring? Do you have a busy life with little time for monitoring your personal finances?

You may be facing the challenge of managing demanding personal lives, careers and interests without the time, desire, energy or capability of managing your increasingly complex financial needs in a changing world. By delegating the day-to-day ongoing responsibility for investment portfolio management, our clients have the time and freedom to focus on the strategic decisions that need to be made for their families and time to pursue their own passions in life .

Delegation does not imply loss of control over your investment goals and strategic level decisions, as our investment process begins with mutual development of an Investment Policy Statement (IPS). The IPS defines your investment objectives, assesses your risk tolerance, defines the target asset allocation, the target rate of return and other unique factors. Once we agree on the IPS your portfolio is managed on a discretionary basis in accordance with the document under a limited power of attorney. We do not accept the responsibility of having withdrawal powers over client accounts, and thus do not manage assets with a full power of attorney.

For us to have a successful professional relationship. it is critical that you have:

• The discipline to adhere to an investment process, even when the financial markets are not performing well
• The desire to delegate the day-to-day investment decision making process so that you can engage in those activities that bring you happiness, and
• The willingness and ability to honestly and openly communicate with us

If you believe that we may be the right match for you, then we invite you to contact us via e-mail or by phone.

Adjunct financial planning services are provided without additional fees for clients with portfolios in excess of $1 million dollars under management by the firm.

Financial Planning

Do you enjoy researching your own financial or investment ideas. Do you like detail and have time that you want to spend reviewing your finances? Are you seeking a professional consultation or second opinion for actions that you have taken or decisions that you are considering?

If this describes you, perhaps financial planning services are the most appropriate for you. We can guide you through the decision making process for events and transitions such as a career change, a change in marital status, the birth of a child, a new home purchase and retirement.

We counsel and advise our clients on many aspects of their finances, and are most often asked to provide advice in the following specific areas:

• Investments including employee stock options, concentrated stock positions and inherited assets
• Pre- and post-retirement planning to help determine whether retirement plans are on track or what actions may need to be taken
• Tax planning understanding the tax implications of various courses of actions and seeking to maximize after-tax values. This can include family gifting and charitable giving to accomplish family legacy goals and reduce potential estate taxes.

Please note that tax planning is typically performed in conjunction with your tax professional as a comprehensive view of all of your tax matters is generally required. Avenue Advisors, LLC does not prepare income tax returns.

Our clients typically work with multiple financial services professionals, such as an accountant, attorney and insurance agent or broker. When outside counsel is required for specialized advice or implementation, we can work with your existing advisors or refer you to other professionals upon request. Typical examples include working with your accountant to strategize for maximizing after-tax wealth when repositioning investments and diversifying concentrated stock positions, or collaborating with your estate attorney on gifting of assets to your family or to charitable organizations.

We believe financial planning is an ongoing process that is best revisited and revised as significant life, economic or tax law changes occur. Life and societal changes can be very dynamic, and change may dictate reassessment and modifications in your financial plans and actions. We have found that the value of our services is enhanced by building long-term relationships with our clients and by providing ongoing advice and counsel. Though we do not require a long-term contract nor insist on regularly scheduled meetings, we want ongoing periodic communication with you to review and update your financial goals, assess your progress towards your goals and proactively plan for future events.

Financial planning services are provided on an hourly basis at our current rate of $275 per hour, with the total fee based on the level and complexity of the services performed. The minimum fee for initial engagements with new clients is generally $2,500. After a discussion with you and a review of your data we can usually provide an estimate of the fee in advance of beginning our engagement.

Although our financial planning services may include investment analysis and recommendations, we do not provide ongoing portfolio monitoring or management for our financial planning clients. Day-to-day portfolio management is reserved for our clients who have engaged us for Investment Management services.

If you believe that we may be the right match for you, then we invite you to contact us via e-mail or by phone.

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