Why Telos

The Telos Experience - From First Meeting to Peace of Mind

In today’s complex and ever-changing world, choosing the right financial adviser to assist you with your unique financial needs and goals can be overwhelming. With seemingly unlimited options for getting investment advice, determining who will help you manage your investments and retirement savings is vitally important to your financial well-being, and requires careful consideration.

As fiduciary advisers, we help provide financial security and peace of mind by helping you navigate through both challenging and prosperous markets. We take an active approach to asset management that is based on discipline and diversification. What’s more, we are owned entirely by our principals. This independence helps ensure that we answer to only you, our client.

Four Steps, One Goal - A Clear Path Forward

Achieving your financial goals involves more than simply picking the right investments: We take the time to thoroughly understand your financial situation and work with you to develop and execute a sound investment strategy that encompasses every aspect of your financial life and your long-term goals. Our process is designed to provide clarity, confidence, and ongoing guidance as your life and financial needs evolve.

1

Discovery

Understand you, your goals, and what matters most.

Every client relationship begins with a conversation. We take the time to learn about your financial situation, priorities, aspirations, and concerns. Just as important, we want to understand what financial success means to you.

What we discuss:

Your goals and objectives
Family and personal priorities
Current investments and financial resources
Risks, concerns, and opportunities
Your preferences and comfort level with investing

2

Planning

Building a personalized strategy around your life.

Using the information gathered during discovery, we develop a personalized financial strategy tailored to your unique circumstances. We evaluate opportunities, identify potential challenges, and create a clear path forward.

Your plan may address:

Investment strategy
Retirement planning
Tax-efficient wealth managementCurrent investments and financial resources
Risk management
Estate and legacy considerations
Cash flow and distribution planning

3

Implementation

Putting your plan into action, step by step.

Once your strategy is finalized, we help implement the recommendations and coordinate the necessary steps. Our goal is to make the transition as smooth and efficient as possible.

We assist with:

Account setup and transfers
Portfolio construction
Investment implementation
Coordination with attorneys, accountants, and other professionals when appropriate

4

Ongoing Guidance

Standing by your side as life and markets evolve.

Managing your wealth is not a one-time event - it requires ongoing attention, guidance, and care. Markets change, tax laws evolve, and life circumstances shift. We provide ongoing monitoring, proactive advice, and regular reviews to help keep your strategy aligned with your goals.

As your advisor, we:

Monitor portfolio performance
Review progress toward goals
Recommend adjustments when needed
Keep you informed and educated
Serve as a trusted resource for financial decisions

5

The Result: Confidence Through Partnership

Your financial life deserves more than a plan - it deserves a trusted partner who understands what truly matters to you. Our name, Telos, embodies the goal that every action is meant to achieve. For us, that goal is yours: a financial life built around your values, your aspirations, and your peace of mind. Every step of the journey, we are right there with you with clear guidance, honest advice, and unwavering commitment, so you can move forward with confidence and enjoy the future you've worked toward.

Our Approach: Investing with Purpose

Every recommendation we make is grounded in a clear purpose: helping you reach your long-term financial goals. Our investment approach is structured, disciplined, and built around the following core principles:

^{Asset Allocation, Built Around Your Goals}

Your asset allocation is built around your specific goals - whether that's generating income, minimizing taxes, preserving wealth, or growing capital over time. We take a multi-asset approach, constructing diversified portfolios designed to maximize expected returns for your target level of risk.

^{Diversification}

Diversification remains one of the most reliable tools for managing risk. A well-constructed global portfolio has historically reduced volatility and improved risk-adjusted returns - though of course, no strategy can guarantee profits or eliminate the risk of loss.

^{A Disciplined, Purposeful Process}

Our investment decisions are grounded in rigorous, fundamental research - not headlines or hunches. We continuously monitor every holding to ensure it still fits your portfolio, and we avoid unnecessary risk-taking or reactive, trend-driven moves.

^{Focused on Your Long-Term Goals}

We manage your portfolio with your long-term goals in mind, not short-term noise. Patience and discipline - paired with a willingness to tune out day-to-day market swings - are core to how we help build, grow, and protect your wealth.

^{Active Portfolio Management}

Your portfolio is actively and continuously managed. Rather than a passive buy-and-hold approach, we proactively adjust your investment exposure as market conditions evolve, always with a close eye on downside risk.

^{Managing Downside Risk}

Protecting against losses matters as much as capturing gains. We apply a disciplined risk management process to security selection and portfolio construction, adjusting our approach as market conditions shift.

^{Sensitivity to Taxes and Expenses}

We focus on maximizing your after-tax returns through strategies like tax-loss harvesting and smart asset placement across taxable and tax-deferred accounts. Our fee structure is asset-based, so our success is directly tied to yours.

A Higher Standard - the discipline behind how we work with you

We've found that how we operate matters as much to clients as the advice itself. These principles - captured in the acronym TELOS - govern how we work with you and build lasting relationships.

TELOS

the standard behind how we work with you

T
- Your trust is our most valuable asset, and we work to earn it every day.
- We build that trust by deeply understanding your goals, risk tolerance, and needs.
- Every team member is held to a strict code of ethics and the highest professional standards.
E
- Our team includes five CFA charterholders and six CFP professionals, alongside other advanced credentials.
- Decades of combined experience help us manage risk, navigate volatile markets, and keep you focused on your long-term goals.
- Deep knowledge, sound judgment, and rigorous research guide every recommendation we make.
L
- Successful investing takes a consistent, disciplined approach and the patience to see a strategy through.
- We build long-term relationships through ongoing, proactive communication.
- Low staff turnover means stable, experienced teams and a consistently better client experience.
O
- As fiduciaries, we're legally and ethically obligated to act in your best interest, always.
- Our independence means our advice is unbiased, with no proprietary products or vested interest.
- We fully disclose all fees so you always know exactly what you're paying for.
S
- Protecting your assets is one of our top priorities.
- We never take custody of client assets, held instead with independent third-party custodians.
- We can direct trades, but never have authority to move money in or out of your accounts.

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