PERSONAL CFO SOLUTIONS, LLC

Personal CFO specializes in financial planning and consulting services, offering ongoing financial counseling that encompasses investment planning, income tax planning and preparation, estate planning, employee benefit elections, insurance reviews, financing, and cash flow modeling including retirement planning. They also provide services for client assets not under their management, including reviewing and monitoring these assets. Personal CFO tailors its advisory services to each client's individual needs through a client suitability assessment and regular contact to ensure their goals and risk tolerance remain current. Clients can impose reasonable restrictions on Personal CFO's services, including limitations on investing in specific securities or types of securities.

Personal CFO primarily employs a long-term investment strategy, holding securities for at least a year. This strategy involves purchasing securities with the intention of holding them for an extended period, aiming to benefit from long-term market growth. However, long-term investments are not without risk, as market events can lead to a loss of principal. In addition to long-term investments, Personal CFO may also utilize short-term purchases for tactical purposes. These short-term investments are held for less than a year and are used to capitalize on short-term market opportunities. Similar to long-term investments, short-term purchases also carry the risk of losing principal due to market fluctuations. When utilizing Independent Managers, Personal CFO indirectly employs their investment strategies, which may involve various risks, including a lack of transparency and compliance issues associated with the Independent Manager.

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