PERSONAL FINANCIAL SERVICES

Our approach to you for fulfilling your dreams

We are a fee for service Registered Investment Advisor. We work as fudiciaries and do not sell our own proprietary products, we offer a comprehensive and integrated service where our clients work closely with a Mitchell & Company Financial, Financial Advisor. Our clients also benefit from other knowledge centers from D. Mitchell & Company.

We provide the following services:

• How We Work
• Financial Planning
• Retirement Planning
• Risk Management
• Estate Planning
• Goal Funding & College Planning

How We Work
Multiple Ways To Reach Your Goals

Hourly

Everyone can use a little help when completing a challenging job. If you are taking on one of life's many uncertain events - such as retirement, job change, marriage, new child, purchasing a home, or family loss - or maybe you feel you just need a professional second opinion. Then our hourly services might be just what you are looking for. Our fee is based on your unique situation and the complexity of the financial plan. However, the more engaged and organized you are, the more streamlined and less expensive the process.

Wealth Management

If you are a person who is looking to partner with the guidance and support of a professional advisor, leveraging a wealth of experience so that your own path toward financial independence may be habitually efficient. Then Wealth Management is the choice for you! Wealth Management includes the design, implementation, ongoing monitoring and updating of a Comprehensive Financial Plan¹. Including the implementation of an investment allocation² designed to fit your goals and objectives with ongoing professional management.

Portfolio Management

We believe wholeheartedly in using a plan to drive stategic investment decisions. Our Asset Management plan is designed for those who already have a financial plan and are looking for:

• Confidence in Portfolio Management
• Advice in portfolio construction or re-construction
• An analysis of existing assets relative to other investment options
• Portfolios built specific to individual needs related to destination growth or income distributions

Then our Portfolio Management services might be right for you

¹Management fees shown are annualized and charged quarterly

Financial Planning
Reaching Your Goals

Our comprehensive service includes ongoing investment management including assistance with most financial planning aspects of your life. Financial planning involves more than just creating a solid budget - it also addresses retirement, education and goal funding, insurance, investments, taxes and estate planning. It is never too early to develop a comprehensive plan and prepare for your future. Financial Planning projects vary greatly in the amount of work that is involved. Some are straightforward retirement planning needs while others are complex and require a more comprehensive plan and more time. Please call to discuss your situation and get an idea of what your project fee would cost.

Mitchell & Company Financial's Financial Advisors are guided by the financial planning process defined by the Certified Financial Planning Board of Standards, Inc., which includes the following steps:

1. Establishing and defining the client – planner relationship.
2. Gather client data, including goals.
3. Analyzing and evaluating your client's financial status.
4. Developing and presenting financial planning recommendations and/or alternatives.
5. Implementing the financial planning recommendations.
6. Monitoring the financial planning recommendations.

Advanced Planning

Our advanced planning team provides advice to clients in need of sophisticated financial planning. This group assists the high net worth clients of Mitchell & Company Financial with their estate planning, tax planning and complex investment concerns. These members work with CPA's and estate planning attorneys to provide comprehensive advice for the client. The team members have more than ten years of financial planning experience and are working towards or have earned advanced financial designations such as CFP designation, and CERTIFIED FINANCIAL PLANNER certificant, Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU) designations.

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Retirement
Saving for Retirement
Retirement is a major concern for most people. We're living longer which means we have more retirement years plan and invest for. Social Security is less certain than in the past. And corporate retirement plans are changing in ways that leave us more responsible for saving and investing for our retirements.

How can you best prepare to reach your retirement goals?
When it comes to planning for retirement, the earlier the better. It’s never too late to begin saving for your future. A Mitchell & Company Financial Advisor can help you plan for retirement with a straightforward program based on:

• An effective investment strategy — Through the help of a Mitchell & Company Financial Advisor, you can define your retirement goals, identify opportunities to fund your retirement account(s) and analyze research that can help you make appropriate investment decisions.
• Taking advantage of qualified plans, 401(k)s, 403(b)s, IRAs, can help your funds grow faster or be worth more when you need them through tax deferral.
• Focus on your asset allocation more than individual investments — Various studies have showed that how you invest your money is more important than the individual investments returns.

Risk Management
Life Insurance
As an important part of a sound financial plan - Life insurance will support you through the many stages of life. A life insurance policy can help you plan for the future while offering protection against the financial repercussions of a family member’s death by providing a death benefit to beneficiaries. There are three essentials to purchasing life insurance. First is understanding what your need is today and how it will change in the future. Second is what type of policy suits your situation and provides the benefits that you are looking for. Lastly, through the planning process a Mitchell & Company Financial Advisor will help you determine the amount of coverage you need to accomplish your goals. The process takes into consideration your expenses, your life goals and your resources.

Disability
Your ability to earn a living is one of your greatest assets. Your income gives you the security and freedom to plan for the future. It helps pay for your home and car, puts food on your table, and covers college tuition, and the other financial goals that are a part of your families hopes and dreams.

No one can predict the future or avoid the risk of a disability. Having a Group Long-Term Disability Plan through your employer is a great start but it may not be enough. Workplace disability benefits usually cover just a portion of your income - potentially leaving you underinsured in the event of a disability. As a part of the financial planning process a Mitchell & Company advisor can determine the effects of a disability on your financial health and your ability to reach your goals in the event you are unable to work due to an illness or injury. This is the first step in determining if a personal disability policy should be part of your financial plan.

Property & Casualty
The goal of a Mitchell & Company Agency advisor is to help you to achieve financial security for yourself and your family. We take this goal very seriously – that is why together with Mitchell & Company Agency your advisor will help take care of your personal property and liability insurance needs. Mitchell & Company Agency is an independent insurance agency. We do not work for an insurance company; we work for you. We represent a select group of reputable insurance companies, to assist you in your property and liability insurance needs.

Long-Term Care
According to the American Society on Aging more than 70% of us who live to retirement age will need long term care at some time in our lives. Long term care is care that you need if you can no longer perform everyday tasks (activities of daily living) by yourself due to a chronic illness, injury, disability or the aging process. Long term care includes the supervision you might need due to a severe cognitive impairment (such as Alzheimer’s disease). Long term care isn’t intended to cure you. It is chronic care that you might need for the rest of your life. This care can span years and can be expensive depending on the type of care you need and location where that care is received. Long term care insurance is one way of helping to pay for these expenses. As a part of our comprehensive financial planning process our Advisors can help you plan your options and make sure you have the level of care you desire.

Estate Planning
Protect Your Assets and Your Family’s Future
Anyone who owns a house, vacation property, IRAs, Mutual Funds, stocks/bonds – or anyone who has some money saved for a rainy day – has an estate. And if you don’t plan for what will happen to your estate after your death, then Uncle Sam has a plan for you - and he just might end up with the lion’s share.

A properly executed estate plan can help you:

• To control who manages and receives your assets at your death.
• To minimize administrative expenses and legal fees.
• To transfer a greater share of your assets to your heirs and favored charities/causes.
• To protect your heirs by providing them with wealth management continuity throughout your lifetime and beyond.

Goal Funding & College Planning
Tailored Advice
Financial planning provides direction, measurement and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. The financial planning process involves gathering relevant financial information, Setting Goals and with the rising cost of a College Education, many families must plan to build a fund for their children’s college expenses., examining your current financial position and coming up with a plan for how you can meet your goals given your current situation and resources.

In the process your D. Mitchell & Company Financial Advisor will work with you to set measurable financial goals and specific targets of what you want to achieve and when you want to achieve results.

For example, instead of saying you want your children to attend “good” schools or you want to buy “a boat” when you retire, you need to quantify what “good” means or the kind of “boat” so that you’ll know when you’ve reached your goals.

Financial planning is a dynamic process. At Mitchell & Company Financial we review your financial plan each year because your financial goals may change over time due to changes in your lifestyle or circumstances. We revisit and revise your financial plan as time goes by to reflect these changes so that you stay on track with your long-term goals.

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP (with flame logo), which it awards to individuals who successfully complete initial and ongoing certification requirements.

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