Rational. Objective. Independent

Firm Summary

Smart Investor — Rational. Objective. Independent.Smart Investor is an independent fee-only Registered Investment Advisor regulated by the US Securities and Exchange Commission. We are based in Rocklin, California and serve clients throughout the greater Sacramento metropolitan area and the western states. As a fiduciary, we place our client’s interest first.

About Smart InvestorSmart Investor is a fiduciary wealth management firm composed of a team of highly-skilled professionals providing an extraordinary level of client service. We specialize in working with five distinct client groups:

Entrepreneurs and Small Business Owners who often don’t have the time, inclination or discipline to devote the necessary attention to efficiently manage their personal and business retirement, investment and tax planning matters;

Retirement Plan Sponsors and Trustees who want to concentrate their skills on making their business profitable and still have their company retirement plans serve their employees well;

Individual Clients, including trusts and personal retirement assets, who can benefit from fiduciary investment management and objective financial planning;

Non-Profits and Endowments who can benefit from fiduciary, institutional investment management; and

Institutional and Individual Clients who need charitable trust administrative services.

Our discretionary asset allocation investment management services incorporate an academically-based Nobel Prize winning strategy that allows us to bring institutional investment management to the individual and “retail” investor.

In helping our clients achieve their personal objectives and have fun with life, the Smart Investor staff personifies our core values of respect, integrity, valuing and giving back to the communities where our clients and we live.

Smart Investor — A Registered Investment Adviser 9 Visit us online at www.smart-investor.cc

Rational. Objective. Independent

The Smart Investor ExperienceIn a special relationship of trust and legal responsibility to our clients, we serve as a prudent expert and follow a rational, objective and collaborative process designed to fully understand what is most important to each client. With that understanding and commitment, we then implement an on-going, systematic and disciplined process to communicate with and assist our clients achieve their goals and have fun with life.

The Wealth Management Consultative Process Wealth Management Consultative Process

REGULAR PROGRESS MEETINGS

Review of progress and implementation of advanced planning review action items

45-DAY FOLLOW-UP

MEETINGOrganization of

account paperwork

MUTUAL COMMITMENT

MEETINGConfirmation of

commitment

INVESTMENT PLAN

MEETINGPresentation of investment plan

DISCOVERY MEETING

Complete discovery process

INVESTMENT PLAN AND IPS

Diagnostic of current situation, recommendations for moving forward and details on

investing approach

THE WEALTH MANAGEMENT NETWORK

Network of carefully selected experts, each with a high level of knowledge and skill in key

financial areas

ADVANCED PLANNING REVIEW

Comprehensive evaluation of the entire range of the client’s

financial needs with action steps for moving forward created by

the network of experts

WEALTH MANAGEMENT NETWORK MEETING

Network of specialists applies its expertise to evaluate all aspects of client’s financial situation and devise

appropriate action steps

Two weeks One week 45 days 90 days

ServicesSmart Investor was established to provide an easier, safer, more efficient way for individuals to invest in their financial security. The firm provides a range of services to help clients accomplish their most important financial goals:

9 Wealth Management Services 9 Retirement Plan Services 9 Entrepreneurs & Business Owner Services 9 Ophthalmologists Wealth Network 9 Asset Management 9 Financial Planning 9 Charitable Remainder Trust Establishment & Administration Services

5800 Stanford Ranch Rd, Bldg 800, Rocklin, CA 95765 9 Ph: 916.435.2100 9  Toll-Free: 800.540.0624 9  Fax: 916.435.2160