Important Questions You Should Ask About

LifeWealth Principles, LLC

In order to provide you with background information regarding LifeWealth Principles, LLC, here are the answers to some questions that you might have:


1. What is LifeWealth Principles, LLC?
LifeWealth Pinciples, LLC provides financial planning and investment counseling, offering securities through Woodbury Financial Services.

2. What does LifeWealth Principles, LLC sell?
Personalized financial planning advice regarding investments, taxes**, estate planning, pensions, retirement, and general financial matters.

3. Whom do we serve?
Individuals, corporations, small businesses, pensions and profit sharing plans, estates and trusts.

4. Who can benefit most by our services?
Any client who has a financial, tax or investment problem, or who wishes to plan prudently for their financial future. Furthermore those who desire a higher, more sophisticated level of financial or investment planning services than they are receiving from their current advisors may find our program appealing.

5. How much money do you need to start a financial planning program?
Whether a minimum dollar amount is required depends on the needs of the client, and on the advisory program recommended by the Advisor. We recognize that persons with modest assets have financial concerns or needs as well. However, our services are geared towards those individuals and families with at least $100,000 of invested assets, and are retired or preparing to retire.

6. What is a Financial Plan?
An overall review of your financial situation taking into account your goals and objectives and focusing on such areas as: income tax planning, asset management, estate planning, risk management, educational planning and retirement. Typically, the advisor conducts consultations with each client to prepare a financial analysis based on that individual client's financial status, needs and objectives. This plan may be formal or informal and is used to guide the implementation of the plan.

7. How is a plan implemented?
Implementation may be effected through various advisory programs highlighted below or through the purchase of commission-based products. The client is free to choose how such implementation occurs and will typically rely on the recommendations of an advisor. Specifically, the client may implement his or her investment objectives through the following means:

a. By purchasing commission-based products;

b. Client may be presented with an opportunity to have the advisor select a Woodbury Financial Services approved outside third-party investment advisor to manage client's assets using investment strategies such as asset allocation, timing, or a combination of such investment strategies, and an ongoing fee (usually a percentage of assets) is assessed;

c. Client may be given an opportunity to have the advisor manage the assets for an ongoing fee (usually a percentage of assets).
In all cases it is customary for the advisor to meet periodically with the client.

The advisor will contact the client at least quarterly, and will make an inquiry regarding changes in the client's financial situation and needs or investment objectives. In addition, the representative will meet with the client at least annually to review any changes in the client's financial situation, needs or investment objectives, as well as the performance of the programs managed by the third-party investment advisor. A representative will be available for the client's consultation during normal business hours.

In all cases, the client does receive regular account statements from those companies where investments are held. There are various programs with respect to alternatives (b) and (c) above, and each has its own guidelines with respect to minimum investment, fees, structure and reporting. The client is informed of such guidelines and specifics prior to entering into an advisory program.

8. If you use LifeWealth Principles, LLC to develop a Financial Analysis, are you obligated to purchase the recommended products? Absolutely not. In reality, however, if a client agrees with our planning recommendations, they will generally implement their investment objectives through their representative.

9. Do we provide legal services?
No. The advisor is a financial counselor and limits itself to financial and retirement planning. However, legal services are available from many other sources.

10. Does LifeWealth Principles, LLC. Provide accounting or tax preparation services?
No. The advisor is an investment professional and is limited to financial and retirement planning. Accounting and tax preparation services are available from many other sources.

11. What types of Securities do we provide advice about?
Bank deposits, U.S. Government Securities, corporate bonds, commercial paper, municipal securities, equities, mutual funds, unit investment trusts, variable annuities, limited partnerships and real estate investment trusts.

12. What method of analysis do we use to analyze investments?
We do not use technical analysis or charting. We do use a fundamental approach, such as economic conditions, earnings, industry outlook, politics (as it relates to the investment), historical data, price-earnings ratios, dividends, general level of interest rates, company management and tax benefits. We attempt to select client's investments to harmonize with their financial objectives.

13. Do we guarantee investment performance?
No.

14. What are the principal sources of information we use?
The Advisor utilizes the general media of domestic, international and governmental newspapers, bulletins, magazines, books, other publications, and materials prepared by the investment companies and research releases prepared by others.

15. What type of investment strategies do we generally recommend?
We generally make long-term recommendations with occasional short-term strategies as the circumstances may indicate. Our investment philosophy focuses on an appropriate diversification and asset allocation over the long haul. Short-term strategies employed may be dollar cost averaging programs, temporary/interim.

16. Will client information be kept confidential?
Yes. It is the law.

17. Once a Plan is completed, does our relationship end?
Absolutely not. Working with LifeWealth Principles, LLC is a process and not a "one shot" transaction. We offer ongoing service, periodic review and day-to-day consultation as necessary.

18. How do you get started?
Contact us at the telephone number below, tell us your problem or need, and we will let you know if and how we can be of assistance to you.

 

**Disclosure
Neither LifeWealth Principlies, nor Woodbury Financial Services, Inc. offer tax or legal advice. Please consult your tax or legal professional before taking any action. Investing involves risk including the potential loss of principal. No investment strategy, including diversification, can guarantee a profit or protect against loss. Past performance is not a guarantee of future results.