Berkeley Inc.

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Why and when should I seek the services of a professional investment advisor? With many things in life, there are some which can be enjoyable and cost effective to do yourself, and there are others where you need the expertise, focus, and resources of a professional. We call upon professionals for complex home improvement projects and medical procedures, yet sometimes hesitate to seek professional advice regarding our finances. In investment management, a simple rule of thumb is that we can substantially improve the growth rate and preservation of your wealth once your savings exceed your annual compensation. Additional factors which indicate you have signficant opportunities to improve your investment performance include any of the following: -You sometimes have more cash sitting in money markets than is required by your near-term cash needs -You have no investments in asset classes such as Real Estate Investment Trusts (REITs), Master Limited Partnerships (MLPs), bonds, international and small cap securities, etc. -You have more than 5% of your investments in a single investment -You feel as if you don’t spend enough time researching and monitoring your investments -Your investments have been disproportionately hurt by market fluctuations -Your employee benefits include stock options and purchase plans, and your portfolio is inextricably linked to your employer’s stock performance -You have just come into a sizable sum of money, and you are uncertain as to how to prudently manage it When should I consider financial planning services? Once your savings exceed your annual compensation, or you are faced with aging parents to care for and college tuition to pay, professional guidance becomes more valuable as your financial life becomes complex, and you realize you don’t have either the time, interest and/or aptitude to do it all yourself. An advisor who provides comprehensive planning and asset management can improve the growth rate and preservation of your wealth, save you time, and reduce your stress regarding your finances. Other indicators that financial planning services would benefit you: -You have no source of unbiased advice on insurance, estate planning, education retirement -You do not have a clear picture of what it takes to achieve certain goals (e.g., retirement plans) -You are uncertain whether to take advantage of newer tax-advantaged plans (Roth 401(K)s, Roth IRAs, 529 plans for college education savings, Healthcare Savings Accounts (HSAs), etc.) -You are a retiree needing to consider long-term care insurance, assess the lifestyle you can afford, or balance the earning power of assets with need for ongoing income -You are concerned whether your investments will sustain you through your life How does Berkeley, Incorporated create value for me? We offer to work with you when we are confident that we can add value to your financial life, and when we can improve the security and growth rate of your wealth well beyond our fees which amount to less than 1% of the assets we manage for you. We achieve this through the following

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