Services for Individuals

Investment Management Financial Planning Divorce Proceeds Assistance Fixed-Income Programs Rollover IRA Accounts Roth & Traditional IRAs Investment Management Our mission is simple – to provide our clients with the greatest sense of financial security possible. Investment Management represents the largest part of our practice by percentage of revenue. The MAC is a fee-only investment adviser. We are never compensated by anyone except our clients; therefore our loyalties always remain with you. We charge a fee based on assets under management. Our Investment Management services include: • Income Needs and Risk Tolerance Assessment • Strategic Asset Allocation • Investment Recommendations • Continuous Portfolio Monitoring • Stop/Loss Implementation • Monthly Performance Reporting • Technical Model Application • Trade Execution To learn more about our Investment Management process, please read about Our Philosophy. Financial Planning If you would like answers to the following questions, we can help? • How soon can I retire? • How much should I be saving? • What is the most appropriate savings vehicle (401(k), IRA, ect.) • What type of income can I expect in retirement? • How much money will I need to retire? • What specific investment risks should I consider? • What type and how much insurance coverage do I need? • What issues should I consider when entering into a marriage? • How can I financially prepare for divorce? Financial Planning is included for clients with a minimum account size of $250,000 in assets under management with our firm. If you do not have an account with us, we offer Financial Planning services at a rate of $85/hour. Financial Assistance with Divorce Proceeds We can establish Spousal Rollovers from 401(k) Plans, Manage Family Trust accounts and execute Qualified Domestic Relations Order (QDRO) instructions. (Disclosure: We do not provide Divorce Counseling or Legal Advice regarding Divorce Settlements. Our account minimums are $50,000 so each party’s settlement must be in excess of that amount in order to qualify for our services.) Fixed Income Programs We have uncovered several means of providing our clients with higher returns on income investments than traditional annuities, CD’s and bond holdings. The nature of these vehicles is proprietary and we’d prefer not to publicly disclose information on these programs, since the inventory of these products is limited. If you would like information on either of these offerings, please contact our office. If you would like to compare rates on Traditional Fixed Annuity Products, we are licensed to sell insurance products and can provide rates from the many companies we represent. Rollover IRA Accounts We can assist you in transferring a 401k account with a prior employer into a Rollover IRA or an existing Traditional IRA brokerage account. If you rollover your 401k account into an IRA you'll achieve the following benefits:

• Increased Investment Options: A Traditional or Rollover IRA provides an individual with an almost unlimited number of investment options including individual Equities, Bonds and ETFs. Many 401k's only offer a handful of mutual funds that severely limit your exposure to various markets. For example, it is rare for 401k plans to include commodity funds or closed-end funds which have provided investors with superior returns over the last several years.
• Reduced Expenses: Typically, the funds in 401k plans have high internal expenses of which you have very limited control over. In an IRA account, you have access to index funds that carry minimal expenses. For actively managed funds, you can purchase investor class shares that do not have any up-front commissions and minimal marketing expenses.
• Account Access and Control: A Rollover IRA is an account held in your name and in your control. Your 401k account is a commingled account that is held only for your benefit and is controlled by multiple parties (TPA, Custodian and the Plan’s advisor). Many 401k plans have restrictions that limit your ability to change your investment options. Also, you can combine your 401k rollover with an existing IRA account so that your retirement savings is located in one place limiting the clutter and hassle that results from maintaining several accounts.
• 401k Loans: The one advantage to rolling your account into your current company’s plan (if it’s permissible) is that you can take a loan out against your account. For starters, taking a loan out against your 401k should be a financial resource of last resort. Furthermore, if your broker or adviser titles the account correctly, you should be able to transfer your IRA account into your 401k at any time that your plan permits it and then take a loan against the balance.

Roth & Traditional IRA Accounts Roth IRAs & Traditional IRAs IRA’s provide Americans with a tax-preferred means of saving for retirement. They are a savings vehicle that all eligible persons should take advantage of. We charge a flat rate of $100 to start up a new Roth IRA or Traditional IRA account and a $50/year maintenance fee. Depending on the amount of your contributions, this amount may or may not be less than commissions you’d pay to a traditional broker. These fees will be in addition to our management fee. They will be waived for accounts in excess of $50,000.