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Copyright 2016 | Alphalytics Research LLC

IntroducingHarman Wealth Management

Copyright 2016 | Alphalytics Research LLC 2

Our History

Who We Are: Independent, financial

services firm focused on investment management and comprehensive financial planning.

Origins started in 1994.

Who Are Our Clients: Individuals, Families, &

Organizations. Retirees, Pre-Retirees, &

Working Professionals. Executives, Business

Owners, & Entrepreneurs.


What Do We Offer?

Client-Focused Wealth Management Process

Investment Management Asset allocation models Wealth Preservation Risk Managed Strategies Distribution Strategies Non-traded REITS

Advanced Planning Retirement Planning Insurance Tax Planning Estate Planning College Savings

leading to a


How We Represent You

Buy-Side Industry Model

Clients Advisor

Our Clients Advisor Represents “Best

Interest” of the Client

Skilled Fiduciary

“Suitability” Standard

Sell-Side Industry Model

We are “Buy Side” vs “Sell Side” Advisors


How We Represent You

Sell Side Model

Buy-Side Model

Clients Advisor

Our Clients Adviso

r Represents “Best

Interest” of the Client

Skilled Fiduciary


Investment Philosophy

Data Analytics

The USBusiness Cycle Adaptive

Business Cycle

Investing Adjusting risk exposures with big-picture changes in the economy.


Investment Philosophy

Data Analytics

U.S. Business Cycle

Adaptive Business

Cycle Investing


The Business Cycle Recessions, historically, have coincided with large

market drawdowns.

NEGATIVE YEARS

11Only of the last 50 years.

the year before, the year of, or the year following.

Have been anchored to a

recession.NEGATIVEYEARS

9


The Business Cycle Recessionary declines are very severe.

-36%Average peak-to-trough

decline in the S&P 500® over the last seven recessions.

Incompatible with Investor

Emotions (Behavioral Programming)


The Business Cycle The industry’s answer for defense…has not

worked. Instead of mitigating large loses; it amplifies!

Last Three Recessionary Declines: Average Decline Per Benchmark


Economic Model

Structural vs Cyclical

The Business Cycle


Track and translate risk to objective termsSystemic Risk Index

13

Portfolio Management

Copyright 2016 | Alphalytics Research LLC

Business Cycle Framework Gain clarity on where assets

stand within historical perspective.

We strive to implement portfolios built on discipline, grounded research, and performance.

Independent Research Evaluate objective metrics to

assess the economy and markets.

Active Monitoring Conduct disciplined,

organized, and rigorous review process.

.

Managing Cost• Manage internal expenses.

Pay for value. • Trade efficiently

Asset Allocation• Select favorable asset

classes based upon business cycle stage and trend.

• Diversify across regions, size, and sources

Risk Management• Defend against recession

losses. • Stay invested through

expanding economic environments.

Asset Selection• Use empirically based

methods for adding equity return over a fully cycle.

• Select funds profiles consistent with investor objectives


What is our Planning Approach?

ExecuteImplement Plan Adjust & refine to achieve your

goals.Milestones Keeping track of one-time

events that can shape your finances.• Wills/Estate• Insurance• Tax Awareness• Account Rollovers

Maintaining the Plan Continuous updating – staying

on track in retirement.

ExploreIdentify Sources of Income Pension Optimization Social Security Optimization Qualified Assets Non-Qualified Savings Illiquid Assets

Retirement Income Strategy Organize/Prioritize Accounts Align Investments with Risk. Incorporate Tax Efficiency

Evaluate Overall Financial Security Insurance Estate Planning

PrepareUnderstand Where You Are Identify available assets &

ensure they’re being used efficiently. • IRA’s• 401k’s/Company Plans• Excess Cash

Understand Where You Are Going Build initial financial plan –

identify shortfalls and needs.


In-Depth Retirement PlanningFully Customized Tailored to your specific

situation. Shows enough detail without

being cumbersome. Highlights income surpluses &

drawdowns. Able to account for inflation,

taxes, & investment returns along with “stress tests” for uncomfortable investing periods.

Allows peace-of-mind and a way to benchmark ourselves to a

long term goal.


Life ModulesDetailed Conversations About Your Financial SituationTopics Include: Retirement Basics Wills & Basic Estate Planning Strategies Life Insurance – Needs & Options Tax Awareness Account Rollovers 529 & Education Funding

Our client’s will never have to ask “why didn’t you tell me

about this?”

Leadership Model

Copyright 2016 | Harman Wealth Management

Dean Harman, CFP®

Founder & managing director with over 22 years of industry experience.

Cited in numerous leading publications, active Board member of the Financial Services Institute.

Holder of the Certified Financial Planner® designation in addition to a business degree from Clemson University.

Sam Johnson Operations leader, leading

client planning activities aimed at growing wealth for retirees, professionals, & business leaders.

Wide-ranging experience in the financial industry, including life insurance as well as retirement & wealth preservation strategies, for over 18 years.

Sam holds a degree from the University of Texas at Austin.

Christopher Riggs, CFP® Market & Portfolio Strategist

responsible for analyzing macro data & crafting portfolios that align with the current economic themes.

Particular experience relating to fiduciary topics and evidence-based strategies.

Holder of the Certified Financial Planner® designation in addition to a law degree (J.D. from U.H.) and M.A. from Texas A&M.

Collaborative Team Approach

Our Clients

Lead advisors ensure a personal one-on-one experience. Client Service Assistants provide immediate administrative

assistance. Collaboration is a key feature at Harman Wealth

Management, all advisors regularly draw upon each others’ individual skills and expertise.

When needed, we are able to offer estate planning, tax planning, and insurance needs.

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