A Unique Partnership to Improve Financial Lives
Everything we do is centered around you and the life you want. Ultimately, money is just fuel. It’s nothing more than a resource to help you live your best possible life. The more you have, the more choices you have, too. But for each person, a rich life means something different. You are unique, and your ideal life is different from everyone else’s. We have partnered with some of the most exceptional independent firms around the country to offer a unique solution that helps people live a richer life. United Capital, the nation’s largest Financial Life Management firm, has partnered with Artifex Financial Group to provide a proven system that will help you live the life you want.
Sincerely, Joe Duran | United Capital Founder and CEO
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Anything is possible if you make the right choices. Only another human can truly understand you and your unique circumstances. Innovation might be the new normal in today’s world, but digital tools and systems mean nothing without an advisor who is there for you when you need them. That is why we believe working with someone who truly understands you and can help you make the right choices is the real secret to a life lived richly.
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We’re here to help make choices that are right for you. As your advisors, we are responsible for placing your interests ahead of our own. That ethos permeates everything we do. We use our judgment, creativity, and empathy to guide you and optimize how you make financial decisions.
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Our Approach: Financial Life Management Dynamic and Interactive Planning Unlike the traditional wealth manager that creates a one-time financial plan, we know that life is unpredictable. There will be unexpected twists in the road—some good, some not so good. Over time, your goals will change. Our primary responsibility is to help you adapt your plan as life unfolds, making the right adjustments with a clear understanding of the trade-offs. Our dynamic and interactive planning process ensures you make your decisions with confidence and that they are always relevant to your current circumstances and expectations.
Personalized Investing We apply the same client-first thinking to investments. We partner with some of the leading investment institutions in the world to provide a multitude of solutions that can be tailored to your specific needs and built around your preferences. We will create a unique portfolio that is right for you and where you are in your life, with enough choices to help ensure you are getting the results you expect throughout your entire life.
A Lifetime of Guidance and Advice Most importantly, we have chosen to work with United Capital to offer you FinLifeÂŽ CX, their unique diagnostic tools that help you clearly articulate your preferences, your priorities, and what matters to you, so your money is working toward the life you want. This helps us give you a completely personal level of advice that adjusts along with the changes that happen throughout your life.
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Your advisor and our national team are here for you. Our advisors have a national team of seasoned planning and investment professionals supporting them to assist with every part of your financial life. This gives them the resources and technology to implement personalized planning, prudent investments, and individualized financial guidance that is designed around you and your life.
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Gain access to a valuable team with pioneering tools through your advisor: CFAs, CFPs, MBAs, CIMAs, CPA/PFSs Experienced investment and planning professionals that work with your advisor to help you live the life you want
FinLife CX System A proprietary, dynamic, and engaging toolset that gives you complete insight into your financial life
Sophisticated Investments A broad range of investment solutions and strategies that support your entire financial life
Comprehensive Financial Planning A dynamic process based on the life you want to lead that adapts to the changing world and your needs
National Network of Advisors A team committed to helping you live your best possible life
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The 3-Step System To Help You Live The Life You Want
1 Understand What’s Important to You 2 Implement Your Plan 3 Engage on Your Terms 7
1 | Understand What’s Important to You Gaining clarity about your intentions and commitments is the first step toward making sure your money can support the life you want. FinLife CX is a proven, engaging system that helps you clearly identify your priorities and biases, so you can make informed, intentional financial decisions. Once we know what you value, together we’ll create a plan to help achieve what really matters to you—not in some distant future, but right now.
Uncover your biases around spending, saving, and planning.
Articulate your motivations, goals, and intentions—and track your progress along the way.
Identify your investing preferences to align your portfolios with your financial plan in a way that is right for you.
Access a convenient online tool to manage your entire financial life on your terms. Reference your results at any time to confirm you are making sound decisions. 8
2 | Implement Your Plan Once we have a clear understanding of what you want your money to achieve, we help identify the trade-offs you are willing to make and the necessary resources to help achieve your ideal life. From there, we create a financial plan that aligns with your priorities and offers a consolidated view of your financial life. Together, we measure, track, and update that plan as your life changes.
Easily see if you are on track to meeting your financial goals.
Create a personalized and adaptable investment portfolio with a broad range of best-in-breed investment managers and ability to view aggregated investments and portfolio allocations.
View results from financial-planning software that will help you establish and prioritize your objectives with the trade-offs you need to make along the way.
Know your net worth at all times.
Know where you stand now and how your financial goals are progressing in real time. 9
3 | Engage on Your Terms It’s not enough to have a great plan in place. Success comes when you engage with that plan and track its progress to achieve your goals and stay aligned with your intentions. Together, we’ll create a dynamic, personalized action plan with access to collaborative tools that give you the answers you need, when you need them. Our system gives you the ability to connect with your advisor and their entire team at your fingertips, 24/7.
Track progress against your plan and tasks assigned to you and your advisor.
Receive a modern approach to summarizing your priorities, portfolios, and action plan in one place.
Hear from your advisor through email and our proprietary VideoMessenger tool.
Access and store your important documents in an online vault.
Experience total control and visibility into your financial life—no matter how complex. 10
Build a plan that works for you. When it comes to financial planning, we use an approach that starts with you and what you want your life to be. Once we know your priorities, we translate them into goals that align with your intentions. Because your objectives will often require adjustments along the way, it is important for us to have flexibility in our process, so we can always quickly adapt to change when needed and ensure you are making informed decisions.
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Our Guidance Team Our national team of planning professionals are dedicated to providing centralized support that helps our advisors:
Deliver a unique and personalized planning experience. Gain additional knowledge on how to deal with more complex planning needs. Provide ongoing guidance and oversight of your plan.
Our Custodial Partners and Planning Resources As your fiduciary, we partner with some of the nation’s largest and most reputable institutions to custody your assets and help ensure your money is well protected and to choose a financial-planning software that fits your unique situation.
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We help you invest in what matters. Once your plan is in place, we help ensure that your investment choices accomplish your goals. The breadth of our investment platform allows you and your advisor to build a portfolio for you now that adapts as your life changes.
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Our Philosophy
Know your investment preferences.
Offer a broad menu of quality solutions to meet your objectives.
Build an individualized portfolio with core and specialized strategies that reflect your preferences.
Act in your best interests. Always. We are held under the fiduciary standard.
Our Approach We use tools and systems that will give you clarity on what your money and investments can do for you. From here, we can measure the tax, performance, protection, and costs in your portfolio to make sure it is appropriately allocated and aligned with your unique goals.
Our People Our advisors work with a team of United Capital seasoned professionals to help implement and oversee your investments, ensuring they are always connected to your financial plan and your preferences. Knowledgeable Investment Management Advocates assist with a range of services including portfolio construction,
performance oversight, and competitive analysis. They are part of our team of professionals.
Experienced Research and Investment Committee members are predominantly CFA Charterholders who continuously monitor the market landscape of investment offerings to select the best strategies for our platform through a robust due-diligence process.
Our Strategic Partners in Investing United Capital works with carefully vetted portfolio managers to optimize costs while providing curated investment options that meet your unique needs.
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FinLife 360 Curated Financial Services We go beyond the traditional suite of financial services by offering lifestyle services. Your advisor has access to multiple solutions that help us serve you throughout your life’s voyage, from estate planning attorneys to tax preparation and accounting professionals. Our everexpanding, curated list of national and regional partnerships are focused on addressing all of your unique needs at preferred pricing. With our offering of high-quality services, we can help ensure that your money is always working towards the life you want.
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With the Financial Life Management process, we help you make clearer, informed, intentional decisions. 17
United Capital Financial Advisers, LLC (“United Capital”), an affiliate of Goldman Sachs & Co. LLC and subsidiaries of The Goldman Sachs Group, Inc., a worldwide, full-service investment banking, broker-dealer, asset management and financial services organization. United Capital does not provide legal, tax or accounting advice. Clients should obtain their own independent legal, tax or accounting advice based on their particular circumstances. The information, data, analyses and opinions contained herein (1) include the confidential and proprietary information of United Capital, (2) may include, or be derived from, account information provided by your financial adviser which cannot be verified by United Capital, (3) may not be copied or redistributed, (4) does not constitute investment advice offered by United Capital, and (5) is provided solely for informational purposes. Equity investing involves market risk, including possible loss of principal. Investing strategies, such as asset allocation, diversification, or rebalancing, do not assure or guarantee better performance and cannot eliminate the risk of investment losses. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance doesn’t guarantee future results. All names, logos, and slogans identifying United Capital and United Capital’s products and services (including, without limitation, HonestConversations®, MoneyMind®, FinLife®, Financial Control Scorecard®, Live RichlySM, We Help You Live RichlySM, Helping People Live Richly®, One Best Financial Life®, Ideal Life Index®, GuideCenter®, InvestmentViewfinderSM, United Capital Financial Life Management®, and Financial Years of FreedomSM) are trademarks and service marks or registered trademarks and service marks of United Capital or its affiliates in the United States and/or other countries. United Capital does not provide legal advice or tax filing services. No United Capital advisers are attorneys. Estate planning can involve a complex web of tax rules and regulations. Please consider the counsel of an experienced legal professional before implementing any strategy. ©2019 United Capital Financial Advisers, LLC, a Goldman Sachs Company. All Rights Reserved.
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Learn more at https://www.artifexfinancial.com/ | 855.752.6644 | 2305 Far Hills Avenue, Suite 206 , Dayton, OH 45419