Independence – We are not affiliated with any mutual fund company or insurer. This arrangement allows us the freedom to develop distinctive services, and to identify and offer - from a broad range of companies. Full-service – We provide fee-based financial planning. We also offer asset management services and can meet your insurance needs. If you want, and it meets your needs, we can be your “one stop shop” for your personal financial management. Local – Based in Bellevue and Seattle, we live and work in your community, the Pacific Northwest. Our business is built on decades’ worth of local relationships. When you need something that is beyond our capacity, we probably know someone local who can help. Straight talk – We will tell you what you need to know, not what we think you want to hear. Meet you where you are at – Whether you are an engineer who takes great comfort in spreadsheets and sophisticated analytical illustrations, or a person for whom “graph” is a dirty word, our job is to explain findings and recommendations in the way that works best for you. We want to help you achieve financial independence. Our twin obsessions: - Make sure – to the best of our ability - you don’t run out of money. - Help you achieve the life you want to live. Securities and advisory services offered through Commonwealth Financial Network®, www.FINRA.org / www.SIPC.org, a Registered Investment Adviser. Fixed insurance products and services offered through Spectrum Financial Partners or CES Insurance Agency. Spectrum Financial Partners 11911 NE 1st St Suite 103A Bellevue, WA 98005. This communication is strictly intended for individuals residing in the states of WA, OR, CA, TX & FL. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Review our Terms of Use: and services. Review our Terms of Use: www.commonwealth.com/termsofuse.html