composed financial: a better fee-only advisor

Client Experience DemoClient Introduction

The Fee-Only Advisor

Advantages:

1) Tailored, personal service

2) Credentials

3) Less conflicts of interest

4) No pushy sales tactics

Disadvantages:

1) Higher fees

2) Restrictions – high investment minimums

3) Discretionary only – must move money to preferred custodian

The Composed Financial DifferenceComposed Financial Other Fee-Only Advisors

Personalization

Credentials Less Conflicts of

Interest

Not Sales Driven

High Fees Investment Minimums

Requirement to move money

Competitive Fee Structure

Our all-in fee is less than HALF of the industry

average.

Assets Under Composed IndustryManagement Avg Fee1 Avg Fee2

<$0.10M 1.5% 1.7%$0.10M - $0.25M 0.9% 1.6%$0.25M - $0.50M 0.7% 1.5%$0.50M - $1.00M 0.5% 1.3%$1.00M - $2.00M N/A 1.2%$2.00M - $3.00M N/A 1.1%$3.00M - $4.00M 0.3% 1.0%$4.00M - $5.00M N/A 0.9%

> $5.00M N/A 0.6%Weighted Avg 0.5% 1.3%

Competitive Fee Structure

1 - Calculated as of December 2014 to include fixed, discretionary, and non-discretionary fees.

2 - From 2011 PriceMetrix report titled 'Fee and Managed Asset Pricing’ (www.pricemetrix.com)

Clear Fee Structure

• Fee-only, not fee-based• No 3rd party rebate agreements, commissions, or hidden fees• Successful plan highly influenced by ability to control fees• Focus on the two things guaranteed to hit your portfolio: fees and taxes

Financial Planning – Annual Fee of $500

Monies ManagedAssets Under Management

Percent of Assets Under Management

Discretionary Any amount 1.0%Non-discretionary $0.0M - $1.0M 0.8%Non-discretionary $1.0M - $2.0M 0.6%Non-discretionary > $2.0M 0.4%

Blueleaf simplifies tracking all your savings and long-term financial goals while making everything you own transparent, understandable, and controllable.

• Account aggregation

• Weekly email summary

• Client portal

• Integrated with inStream

Simple, Personal Financial Tracking

= Real time monitoring of your plans

= We organize your financials for you

= A simple update to start your week

= See all your accounts in one place

Account Aggregation

Weekly Email

Domestic stock fund HighForeign stock fund LowInvestment grade bond fund HighHigh yield bond fund High

Jane's 401kDomestic stock fund LowForeign stock fund HighInvestment grade bond fund HighHigh yield bond fund High

John's 401k

Multiple options LowJane's IRA

The Power of Aggregation

401ks are inherently limited in their investments. It pays to look at all the accounts available for retirement in aggregate.

Domestic stock fund LowForeign stock fund HighInvestment grade bond fund HighHigh yield bond fund High

John's 401kDomestic stock fund HighForeign stock fund LowInvestment grade bond fund HighHigh yield bond fund High

Jane's 401k

Investment grade bond ETF LowHigh yield bond ETF Low

Jane's IRA

The Power of Aggregation

By looking at all your accounts together, we can choose the best and lowest cost investments from each account.

Domestic stock fund LowForeign stock fund LowInvestment grade bond ETF LowHigh yield bond ETF Low

Combined 401ks, IRA

The result is an overall portfolio with all lower cost options. Actively managed funds have been proven to underperform versus their

respective benchmarks, so it pays to choose the lowest cost options that closely follow the benchmarks. Each of our clients has

experienced a decrease in their overall portfolio expense ratio after implementing our recommendations.

The Power of Aggregation

Hidden Fee Issue – Mutual Funds

Composed CompetitorStated fee 0.60% 0.00% Actual invoiceExpense ratio 0.40% 1.50% Less obviousTotal fees 1.00% 1.50%

Composed CompetitorPre-expense return 7.40% 7.40%Expense ratio -0.40% -1.50% Less obviousPost-expense return 7.00% 5.90%Stated fee -0.60% 0.00% Actual invoicePost-fee return 6.40% 5.90%

Impact of High Fees

If you had invested $20k invested in the S&P 500 each year for the past 25 years,

Total Invested Total Costs Ending Balance1.0% Costs $500,000 $108,303 $1,137,5581.5% Costs $500,000 $154,579 $1,050,281

Difference -$46,276 $87,277less in fees more in earnings

an extra 0.5% in fees would have erased $87,277 in earnings

Client Portal / Document Management

Integrated With

Financial plans updated with new account balances from Blueleaf

Real time tracking

Anytime your plans falls outside of a 70-90% likelihood, an

automatic review is triggered

Financial Plan Example

Quarterly Performance Tracking

We will not only track versus industry benchmarks, but ALSO VERSUS YOUR PRIOR INVESTMENTS.

Other Assistance

Your go-to for any financial matters:

• Life insurance planning and cost analysis

• Gap and cost analysis of other insurance

• Education planning / 529 accounts / custodial accounts

• Wills, living wills, power of attorney for finances

• Estate planning

• Real estate advice