Next Generation Wealth Management provides comprehensive, forward-thinking, innovative investment strategies across every asset class. NG Wealth also provides sophistication in addressing strategic wealth planning needs for families and individuals.

Our team maintains extensive knowledge in family planning, lifestyle planning, legagcy planning, risk management, and retirement planning solutions to provide you with customized solutions combining a core level of planning with investment management of your personal portfolio.

We have an experienced investment advisory committee led by our Chief Investment Strategist that includes a fixed income expert and a veteran equity analyst. Our committee follows a disciplined approach to identify and select the investment strategies that are best suited for each client's unique goals.

We use a proven, five-step investment process designed to reinforce investment consistency despite market cycles.

• • • • Portfolio design - We listen intently to your goals and prepare a customized Investment Policy Statement, which serves as a guide to your investment plan. In addition, we complete your asset allocation weightings by maximizing returns against your particular risk tolerance.

      • Manager selection - We recommend investment strategies in multiple asset classes to achieve the optimal portfolio. Next, our team selects the most appropriate investment managers within the context of your individual objectives. We are often able to successfully negotiate preferential fees and account minimum requirements for your benefit.

      • Portfolio implentation - We indlude a detailed, thoughtful and tax efficient transition from your current investment portfolio to your optimal portfolio at Next Generation Wealth Management.

      • Consolidated reporting - We provide a clear, concise, transparent, and comprehensive investment report that includes a comparison of your investments to the appropriate market indices.

      • Custom analysis - We offer quarterly, face-to-face investment meetings. Our wealth management team provides an ongoing, tailored evaluation of performance, risk metrics, and portfolio characteristics.

Next Generation Wealth Management subscribes to Modern Portfolio Theory [MPT], which suggests that maximizing returns and minimizing volatility requires diversification, which includes investing across multiple asset classes, especially asset classes that are not highly correlated with one another.

Our wealth managers work with you to construct forward-thinking investment allocation strategies specifically tailored for your customized investment portfolio. Our investment philosophy consists of the following principles:

• • • We listen. Investment strategies will never be recommended without first understanding your comprehensive individual needs.

• • • We provide independent advice without conflict of interest or compromise. We avoid following market trends as we recognize that unpopular investment strategies often produce the better long-term results.

• • • We think about risk as much as we think about return. Our objective is to preserve capital under all market conditions by balancing strong investment potential and underlying risk.

• • • We look beyond the quantitative data. We select investment managers based on the strength of their organizations and their people, not solely on past returns.

Whether or not you are still accumulating substantial wealth from your employment, business, or profession you can find out whether what you have already accumulated, or expect to, is adequate to comfortably achieve all of your unique goals. Through rigorous analysis we guide you to reliable conclusions for managing a complex interplay of:

• • • Budget planning, reviewing, and monitoring

    • Whether to continue employment | business involvement or to retire

    • At what age should individuals apply for social security

    • What investment returns and risk levels are necessary

    • The amount and timing of charitable gifts

Our fundamental approach to portfolio management is the direct result of an investment philosophy which emphasizes the importance of asset allocation, investment manager evaluation, risk management, and retirement planning.

Asset Allocation

Next Generation Wealth Management strongly adopts asset allocation as a major contributing factor in investor success. Historical studies have concluded asset allocation typically accounts for over 85 percent of investment returns.

To compliment our asset allocation process, we have included four timeless principles of investing:

• • • It is the overall results of your portfolio that matter, not the individual components.

    • Capital markets are mean reverting; therefore, systematic rebalancing adds to investment returns while reducing risk.

    • Effective diversification means that not all investments will work simultaneously.

    • Best-in-Class investment platform

No Market Timing

An overwhelming amount of evidence indicates that consistently making accurate short-term investment forecasts is extremely improbable. In fact, this type of forecasting can be costly and very inefficient to your after tax investment returns.

More important, one or two incorrect or ill-timed decisions can more than undo the advantage of remaining committed to long-term asset allocation decisions. At Next Generation Wealth Management, we educate you to accept the appropriate and periodic short-term volatility to capture the positive performance advantages that accrue over the long-term.

A Measured Approach to Risk

We believe that risk should only be undertaken to the extent that is necessary to achieve a long-term objective. Risk is not necessary but instead may be a preference. It is important for us to provide clarity so you can be informed about risk and return. Our team of advisers strive to customize portfolios consisting of broad diversification across, and within, asset classes to reduce the volatility that is inherent in investments.

Tax Efficient Investing

Taxes are inescapable for virtually everyone. Tax implications are, therefore, a significant consideration while customizing your comprehensive wealth management plan. Our team is experienced in mitigating the tax consequences of portfolio management. We exercise great care in the appropriate placement of investments within taxable and tax-deferred accounts while continually monitoring portfolios for tax opportunities.