Our Value Promise The Appropriate Solution at Every Financial Stage Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation of success. As your life unfolds, your financial needs evolve. Different assessments, strategies and goals are appropriate in different life phases—so our WMSCare process is designed to deliver the appropriate solution at every financial stage of life.WMSCare shapes our conversations to ensure that we don’t miss anything at any stage:Accumulation is when investors typically concentrate on accumulating sufficient assets for a future shift of income source from employer to investment portfolio.The Pre-Shift (within 10 years of income shift) and Ramp-Up (within 3–5 years of income shift) stages are oriented toward planning for income longevity.The Retiree stage (distribution stage), which begins after income shifts, focuses on sustainability and flexibility of investments to meet current and future income needs.The Legacy stage is the point at which clients plan their impact on their heirs and on the community, including support for social causes, charities and political organizations.Not every client moves through every stage, so we concentrate on your unique situation. In every phase that applies to you, we look for potential obstacles and apply WMSCare to address them proactively.An analogy we like to use: If you’re a marathon runner, you know it’s a daunting task to run 26 miles. Now imagine that you find out there are hurdles on the course, too! Our job is to run ahead of you and remove the hurdles before they ever appear in your path.Transparency and clear communication are guiding principles for us. So is efficiency: Technology powers much of our work behind the scenes—and for our tech-savvy clients who enjoy using leading-edge tools, we offer a number of options for account management and monitoring.