ComprehensiveFinancialManagement

Our Hallmark:Communication & Accountability

Columbia Financial AdvisorsComprehensive Financial Management

Columbia Financial Advisors is committed to helping clients meet theirfinancial needs and goals through a strategy of long-term growth. Although weexplore and take advantage of prudent, short-term opportunities whenappropriate, the cornerstone of our philosophy is that a patient, well-diversified,long-range investment strategy yields the best results. We recognize that eachinvestor will have unique risk tolerance levels, time horizons, incomerequirements and retirement objectives. One size doesn’t fit all. Accordingly,we begin each client relationship with a thorough discussion of your individualsituation and then help you build a custom-tailored investment portfolio.Depending upon your targeted return and personal risk profile, your portfoliomay include a mix of equity securities, options and cash equivalents as well asan appropriate balance of fixed-income securities. Your personalized strategywill fit your own comfort level for risk, with the goal of building and protectingequity through long-term appreciation with above-average returns.

Comprehensive financial management is one of our strengths, and weencourage clients to take a consolidated perspective of their resources,including real estate holdings, savings accounts, IRA’s, pension or profit-sharingplans, trusts for children, etc. Drawing upon our many years of experienceproviding tax, accounting and investment services, we can help develop anintegrated plan to maximize your after-tax income and total wealth.

Columbia Financial Advisors has a strong team that regularly conductsfundamental research on selected securities – both equity and fixed-income.Our research focuses on company products, services and competition. Wereview corporate financial statements and SEC filings and we receive researchfrom almost every major Wall Street investment firm. Our clients’ portfoliosare continuously monitored and are reviewed on a weekly basis by ourinvestment committee. When market conditions and changes affecting certainasset classes warrant, we contact our clients with advice and recommendationsfor rebalancing their portfolios to meet their investment guidelines and goals.

Columbia Financial Advisors Family Office Services

Columbia Financial Advisors provides many families with complete financialmanagement services. Our services include the basic financial and personalneeds including tax preparation and compliance, bill paying, concierge services,and asset and portfolio management.

Family offices by their very nature are unique structures either specificallydesigned to meet the objectives and constraints of the family, or have evolvedover time to accommodate family needs or members along the way. Columbia’sFamily Office Services manages a wide variety of assets, often substantiallyilliquid, hard-to-value assets such as private businesses or non-financial assetssuch as real estate, artwork and other collectibles. Long-term trusted employeesor family members often maintain informal information processes and internalcontrol mechanisms.

Columbia believes it is critical for members of a family to have easily accessible,accurate, up-to-date financial information. e information and reportsproduced by Columbia’s Family Office Services are the basis for makingdecisions about investment management, tax, gift and estate planning, anddistributions and expense management. Lack of quality, timely information canlead to poor planning decisions or missed opportunities. Columbia’s FamilyOffice Services provide accounting and reporting solutions that are a familyoffice’s heartbeat.

Columbia Financial Advisors Family Office Services Include:

• Prepare and coordinate individual and business tax filings

• Investment Management

• Reconcile bank accounts and credit cards

• Prepare monthly/quarterly income and expense analysis

• Prepare net worth analysis showing assets and liabilities (i.e. investment portfolios, other assets, mortgages, auto loans, etc)

• Prepare tax filings for household employees

• Investment analysis, asset allocation and transaction reconciliations

• Trust and Estate Administration

• Monitoring of cash balances

• Loan applications and sourcing

Columbia's Family Office Services approach each client as a unique professionalentity. Our professionals provide vision and strategy, supported by stringentinternal controls and processes. Our client portfolio management follows strictbusiness practices and use integrated technology platforms, which speed up thedata gathering, reconciliation and consolidation processes.

We recommend families evaluate their needs, objectives and constraints.Jointly, we will design an effective reporting framework based on a clientsrequests, and regularly review and update this framework.

e financial requirements of tomorrow will be different from those of today. Columbia Financial Advisors can assist families and investors plan for thosechanges.

We look forward to working with you and your family.

Columbia Financial Advisors is an independent, privately owned investmentadvisory, management and consulting firm based in Washington, DC, providingcomprehensive investment, tax and financial planning services to individuals,corporations, pension funds and foundations.

Our experienced professional team offers leading-edge services including:

� Investment Guidance and Management• Individually Managed Portfolios• Mutual Fund Consultation and Management• IRA Rollover Management

� Family Office Services

� Tax Planning and Preparation

� Financial and Retirement Planning

� Estate Planning and Administration

About Our CEO

Brian McQuade, CPA, is the founder and CEO of Columbia Financial Advisors.Brian also serves as the Managing Partner of McQuade Brennan, LLP, a certifiedpublic accounting and consulting firm. With over 25 years of experience, he isregarded as one of the leading tax and financial planning specialists in themetropolitan Washngton, DC area. He is an advisor to many prominentindividual investors, pension plans and corporations. Brian’s majorresponsibilities at Columbia Financial Advisors include review of investmentrecommendations and implementation of portfolio strategies, and helping ourclients meet their financial goals.

1730 Rhode Island Avenue, NW, Suite 800, Washington, DC, 20036, 202.296.3306