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FIDUCIARY

fi•du•ci•ar•y

n. According to Merriam-Webster’s Dictionary of Law, a fiduciary is “one often in a position of authority who obligates himself or herself to act on behalf of another (as in managing money or prop-erty) and assumes a duty to act in good faith and with care, candor, and loyalty in fulfilling the obligation”.

n. According to the Certified Financial Planner Board of Standards, a fiduciary is “one who acts in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client”.

n. According to NAPFA, “A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is re-quired to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest”.

...At Williams Asset Management we are fiduciaries, which means that with everything we do, we have our client’s interests at heart.

our company

our company

OUR COMPANY, an unbeatable team...

We are …EXPERIENCED: Since 1994, we have been providing investment advisory and wealth management services to corporate executives, professionals, physicians, business owners, retirees and other affluent clients.

INDEPENDENT: We have no ties to Wall Street firms. Our sole concern is to our clients.

INTEGRITY: Our reasonable, fee-based compensation model is designed to have our clients’ best interests at heart. All of our recommendations are based solely on our client’s specific needs and circumstances and are free from conflicts-of-interests.

PROFESSIONAL: We utilize a team approach to develop and implement a customized financial plan centered on your needs and goals.

PERSONAL: Building long-term relationships is our priority. We work hard to create trusted partnerships with clients to best build, manage and preserve their wealth.

PASSIONATE: We love what we do and everything we do is designed with our client’s very best interest in mind. We appreciate you choosing us to help you plan and manage your financial future, and will work hard every day to affirm that you made the right choice.

OUR PHILOSOPHY…proven and simple

A financial plan is only as good as the personal knowledge that goes into building it. We work hard to develop strong and trusted relationships with our clients. It is our experience that such relationships result in financial plans that are best suited to meet the needs and goals of our clients.

Staying abreast of your personal situations and evolving financial goals and needs is our priority. As time passes, your risk tolerance and income needs change; an effective portfolio needs to reflect those changes. We are just as careful about monitoring your portfolio as we are about the initial investment selection. We track the funds in your account on a regular basis, look to rebalance your account when it deviates from its original allocation, and meet with you periodically to address any changing life situations, financial goals, and needs.

our philosophy

our services

our services

OUR SERVICESare comprehensive...

Williams Asset Management provides access to a wide variety of investment advisory, wealth management, and fiduciary services.

INVESTMENT ADVISORY SERVICES:

One of Williams Asset Management’s main objectives is to deliver excellent investment results by offering “best of class” outsourced investment managers. Williams Asset Management’s investment portfolios have performed well in past market cycles and have done so with relatively attractive levels of risk and tax efficiency. Please remember that past performance is no guarantee of future results.

By being independent and aligned with our clients’ interests, Williams Asset Management is positioned as the family’s investment steward. We supervise all aspects of investment management, including manager and/or product selection, ongoing monitoring, product/manager due diligence, performance reporting, along with constant review and reconsideration of investment goals.

FIDUCIARY SERVICES:

For those clients who wish to utilize a corporate fiduciary in their wealth planning, Williams Asset Management offers its clients a full range of fiduciary services through partnerships with two major trust companies, Franklin Templeton Bank & Trust and AST/Capital Trust. Under this arrangement, the advisors of Williams Asset Management manage your trust investments and financial relationship, while our trust company partner handles the trust’s administrative details. Clients who wish to name a corporate fiduciary in their wills may now do so knowing that the advisors of Williams Asset Management will continue to manage their investments during the estate’s administration and, thereafter, in any testamentary trust created.

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OUR SERVICESare comprehensive...

WEALTH MANAGEMENT SERVICES:

Wealth Management pursues answers to the tough economic questions and decisions that come with modern living. Our Wealth Management Program divides these issues into six modules for analysis and action:

ACCUMULATION addresses your individual needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance. Accumulation strategies help ensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your asset base.

RISK MANAGEMENT works to minimize financial and other losses potentially associated with risks to your assets, business, or health. Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability. Your first line of defense is to identify your sources of risk and then either to avoid or minimize the major exposures.

TAXATION considers the tax implications of individual, investment, or business decisions, usually with the goal of minimizing tax liability. While decisions are rarely made solely on their tax impact, you should have a working knowledge of the income or estate tax issues and costs involved.

BUSINESS PLANNING focuses on issues specific to business owners and shareholders. For most business owners, the business is their most significant asset, and the financial success of that business has an immediate impact on the economic security of the family. Without proper planning, you may have difficulty tapping the value of your business to support your retirement, or your family may lose the value of the business at your death.

RETIREMENT PLANNING involves evaluating your current financial status and creating an accumulation strategy that will help to ensure your desired retirement lifestyle. Because your retirement years can span decades, retirement planning generally dominates other financial goals. A successful plan, put into place during the wealth-building lifespan, should address ways to maximize growth and tax-efficient distributions, as well as how to leave retirement assets to the next generation.

ESTATE PLANNING creates a master plan for the management of your property during life and the distribution of that property at death. For most people, estate planning gives you more control over your assets during your lifetime, provides care when you are disabled, and allows for the efficient, low-cost transfer of wealth at your death.

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our process

our process

OUR PROCESSis disciplined and thorough...

Intelligent investors often ask, “What is your wealth management process?”

Our tried and true six-step process is designed to understand and cover all the bases.

We …Establish and nurture client and financial consultant • relationshipsGather all the data we can• Thoroughly analyze existing positions• Present a thoroughly researched and well-drafted action plan• Implement the plan• Review, monitor and report on an ongoing basis•

OUR PEOPLEare dedicated...

GARY S. WILLIAMS, CFP®, CRPC®, AIF®

Gary Williams is the Chief Executive Officer of Williams Asset Management. With over 16 years’ experience, Mr. Williams has earned numerous credentials and designations, including:

CERTIFIED FINANCIAL PLANNER™ practitioner (1997)Chartered Retirement Planning CounselorSM (2004)Accredited Investment Fiduciary® (2009)

Mr. Williams graduated from Towson University with a B.S. in Business Management and a concentration in Finance.

In 2005, Williams Asset Management partnered with an independent broker/dealer, Commonwealth Financial Network, in order to provide a truly independent and comprehensive approach to financial planning. Our partnership with Commonwealth provides us access to over a dozen investment research specialists who assist us in our efforts to provide you with the best possible service. Each of these professionals, including several Chartered Financial Analysts (CFA) and Certified Investment Analysts (CIMA), brings a breadth of experience in the industry and within their own specialization.

Mr. Williams currently is an active member of the Financial Planning Association. He is a Board Member of the Dancel Family Y in Howard County and sits on the Governance and Nominating Committee of the Central Maryland Y’s Board of Directors.

He is a frequent contributor to a variety of publications including The Business Monthly, The Daily Record, and CityBizList. Because of his recognized expertise in retirement planning and investment management, his insight is regularly sought after by local and national publications, including Bankrate.com, Columbia Magazine, Money Magazine, Wealth and Retirement, and The Baltimore Business Journal. He has also been a featured guest on Maryland Public Television’s Business Connection.

our people

our distinctions and passion

our distinctions and passion

OUR DISTINCTIONS AND PASSIONare unsurpassed...

Williams Asset Management is highly respected in the financial community. Williams Asset Management has received numerous awards, including:

Gary Williams had been named “Top Advisor”• 1 in the CEO Choice Awards in Baltimore SmartCEO magazine in 2005.“Top Dog”• 2 in Wealth Manager3 in 2008 and 2009.“Top Money Manager”• 4 in the Baltimore Business Journal in both 2007 and 2008.Gary Williams was featured in • Baltimore Magazine as a Five Star Wealth Manager5 in 2011.

Williams Asset Management gives back to the community. We feel that it is not just enough to give stellar service to our clients, we also need to be of service to the community. We support many local and national charities, including Augie’s Quest, The Brigance Brigade, Make-a-Wish Foundation, Y of Central Maryland, and Susan G. Koman for the Cure.

Based on Baltimore-area CEO’s nominations who have personally 1. observed or retained the services of these individuals.Based on i) Total Assets Under Management (AUM) for advisory 2. services clients, ii) total number of advisory clients, and iii) total AUM per advisory client.For a complete list of criteria, please see www.wealthmanagermag.com3. Based on client assets as of September 28, 2007 and January 9, 2009.4. Based on nine criteria including customer service and overall 5. satisfaction. Please visit www.fivestarprofessional.com for more information.

CONTACT INFORMATION

Williams Asset Management 8850 Columbia 100 ParkwaySuite 204Columbia, MD 21045

Phone: (410) 740-0220Toll Free: (888) 833-9335Fax: (410) 715-9685

Email: Info@WilliamsAssetManagement.comWebsite: www.WilliamsAssetManagement.com

The financial professionals of Williams Asset Management are Registered Representatives and Investment Adviser Representa-tives with/and offer securities and advisory services through, Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser.

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Williams Asset Management

8850 Columbia 100 Parkway

Suite 204

Columbia, MD 21045

Phone: (410) 740-0220

Toll Free: (888) 833-9335

www.WilliamsAssetManagement.com