Harbor Lights Financial Group2424 Highway 34

Manasquan, NJ 08736Phone: (732) 528-4333 • Fax: (732) 528-4820

www.hlfg.com

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC.

Harbor Lights Financial Group is a separate entity from WFAFN.

Investment and Insurance Products:

Not Insured by FDIC or any Federal Government Agency

MAY Lose ValueNot a Deposit of or Guaranteed

by a Bank

This old saying is a sailor’s wish for steady

winds and smooth waters — in other words

a safe voyage with good fortune. As we

manage and preserve our clients’ wealth,

we aim to deliver a truly optimal journey.

“FAIR WINDS & FOLLOWING SEAS”

HARBOR LIGHTS ASSISTS OUR CLIENTS IN THE ACCUMULATION AND PRESERVATION OF WEALTH.

HARBOR LIGHTS ASSISTS OUR CLIENTS IN THE ACCUMULATION AND PRESERVATION OF WEALTH.

2 The Harbor Lights Story

3 The Client Experience

5 Our Standards of Care

6 Planning Process

8 Executing Your Plan

“I AM THE MASTER OF MY FATE; I AM THE CAPTAIN OF MY SOUL.” – WILLIAM ERNEST HENLEY

Setting a Coursefor Your Wealth

Success brings options: you know what you want most from life, and have a plan to achieve it. You manage your resources effectively and efficiently, set priorities, and adjust course when setbacks occur. The ability to navigate and achieve your goals is not an accident. It is a purposeful plan, carefully mapped.

At Harbor Lights Financial Group, we specialize in helping individuals,their families, corporate executives and business owners build long-term wealth, based on what best suits our clients’ needs. We are a team of highly accomplished CERTIFIED FINANCIAL PLANNERSTM — professionals who helppeoplelikeyouwithcustomizedstrategiesdesignedtoenhanceandpreserveyourwealth.Weworktorealizeyourfinancialgoals,empoweringyou to enjoy the freedom that brings.

What counts: the financial well-being of our clients and their families — we pursue this goal passionately.

Harbor Lights Financial Group 1

Our Investment PhilosophyOur investment philosophy has been built with a single focus — always do what is best for our clients.

Investingcanbeemotional.Wetaketheemotionoutoftheprocessbyexploringyourgoals,dreamsandaddressingconcerns.Weuseourresourcestobeobjectivedecision-makersonourclients’behalf.

Webelieveinhelpingtodesignportfoliostailoredtoeachclient’sindividualriskprofile,goalsandpriorities.Ourgoal is to help create a long-term strategy based on the wealth you need to live your life today and into the future.

Our wealth planning process is custom, drawing from the best available research and our experience over manymarketcycles.Weconsider riskmanagement, taxmanagement,estateplanningstrategiesandportfoliomanagement together, so we can help clients achieve their highly individual objectives.

Our size and scope allows us to buy institutionally priced shares for our clients, which may lower the overall cost of their investments. We enjoy access to a full spectrum of financial products, from mutual funds, ETFs to hedge funds, which gives us freedom to choose the most powerful and appropriate instruments we can find for each client.

The Harbor Lights Story Intheearly1990s,HarborLightswasfoundedtoofferstrategiestoourclients’ most demanding life problems through sound advice and care. We saw a need in our community that started with good advice and attention todetail.We foundacommonality inourvaluesand freedom tomakeobjective choices for our clients that weren’t management driven.

The firm has thrived based on these core principles:

Always do the right thing

Ask the right questions

Be accountable

Theseprinciplesneverstopworkingandguideustothisday.

PartnersDougLockwood,KenRobertsandRobertTendler

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The Client ExperienceOur Commitment to You

We think of our relationship as a journey that can last for years, even decades – through good and challenging times. Our commitment to you includes the following principles and values:

Independence

Harbor Lights is an independent financial firm. This means we answer only to you, and we are committed to doing sowith objectivity, in-depthknowledgeandprofessionalism.Wehavenoobligation to sellspecific financial products.

Fiduciary

Asfiduciaries,wemustputyourinterestsaheadofourownandserveyouwithloyaltyandcare.Thefiduciary standard is more than a slogan; it is a legal standard for financial advisors who manage retirement accounts. We believe that putting your interests first and minimizing conflicts is more than the legal thing to do — it’s the right thing to do.

CERTIFIED FINANCIAL PLANNERTM

OurteamapproachtoeveryclientmeansthatyouwillbenefitfromtheservicesofaCERTIFIEDFINANCIALPLANNERTMprofessional.Thisdesignationrequiresextensivetrainingandexperience.Clientsreceiveanindividualized investment plan that reflects their family’s goals, obligations and timelines, as well as our long-term commitment to helping them achieve their goals.

Transparency and Security

We value transparency in all dealings with our clients. The safety and confidentiality of your financial data are extremely important to us.

Multi-Family Office Services

Wealthy families’ financial lives are complicated. We help untangle some of the complexity by providing accesstospecialistssuchasestateplanners,CPAs,estateattorneys,businessevaluatorsandappraisers.

Harbor Lights Financial Group 3

“RISK COMES FROM NOT KNOWING WHAT YOU ARE DOING.”

– WARREN BUFFETT

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Charting a Financial JourneyOur Philosophy of Service

A relationship with Harbor Lights Financial Group begins with a deep conversation.

We believe the most important job we do is to provide our clients with an understanding of how their resources can be effectively deployed to help their most deeply felt life goals. We want our clients to feel empowered, encouraged and engaged.

To that end, we have developed specific standards of service that you can expect as our client.

We take time to get to know you and your family, and to educate you about strategies that play an integral role in every stage of the decision-makingprocess.

We serve as your family’s CFO, coordinating and managing your financial life to ensure that your income, legacy and life goals remain ontrack.

We will help develop financial and investment strategies tailored to your needs, obligations and challenges.

We proactively reach out to you with recommendations and advice as financialmarketsevolveorchangestakeplaceinyourlife.

We remain accessible to you and your family members — we are there, when and where you need us.

Our Standards of Care

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Harbor Lights Financial Group 5

01We start by defining your True North

We believe that an investment plan should be an extension of your life plan. We want to knowyourhopesanddreamsaswellasyourobligations and concerns.

04We prioritize and reappraise goals

Lifemeanschange:Businessesare sold,grandchildren are born. Periodically, we will review and update your plan to reflect your life’s progress.

02We comprehensively review your assets, obligations and lifestyle

We examine your living expenses through the lens of your current and expected assets, liabilities and obligations, including expected liquidity events, transitions,inheritance and estate-planning needs. When appropriate, we partner with tax, estate-planning and eldercare experts to ensure that we have a comprehensive understanding of your family’s financial concerns.

03We create an action plan

We present you with investment options to activate your wealth plan, and a step-by-step financial organization plan that may include investments, retirement-plan rollovers, estate-plan updates and an insurance evaluation — connecting the dots that align your resources with your plan.

Harbor Lights Planning Process

Harbor Lights Planning ProcessWe believe your wealth should serve your life — which means understanding how and when financial resources may be needed to help fund your goals and dreams, from education to retirement and beyond.

AtHarborLightsFinancialGroup,wehavedevelopedafour-stepprocesstomapoutyourfinancialjourney.

Insuranceproductsareofferedthroughnon-bankinsuranceagencyaffiliatesofWellsFargo&Companyandareunderwrittenbyunaffiliatedinsurancecompanies.

This is not, in any way, intended as an invitation to replace your existing coverage. Such an exchange is often not suitable due to such factors as surrender charges on your existing policy, the surrender charge period on the new policy, transaction costs associated with the exchange, the values of the new policy versus the old policy, and the various fees and expenses associated with the new product. Therefore, replacing an existing policy should only be considered after a careful evaluation of these factors as well as a thorough review of your existing coverage.

Pleasekeepinmindthatrollingoveryourqualifiedemployersponsoredretirementplan(QRP)toanIRAisjustoneoption.Eachoptionhasadvantagesanddisadvantages,andtheonethatisbestdependsonyourindividualcircumstances.Youshouldconsiderfeaturessuchasinvestmentoptions,feesandexpensesandservicesoffered.InvestingandmaintainingassetsinanIRAwillgenerallyinvolvehighercoststhanthoseassociatedwithaQRP.Werecommendyouconsultwithyourcurrentplanadministratorbeforemakinganydecisionsregardingyourretirementassets.

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“ANYONE CAN HOLD THE HELM WHEN THE SEA IS CALM.”

– PUBLILIUS SYRUS

Harbor Lights Financial Group 7

Setting SailExecuting Your Plan

We apply the same focus and discipline to implementing your plan as we do to creating it.

Our strategies of collaboration, discipline, and systematic review ensure that your financial journey stays on course.

Collaborative Approach

YourserviceteamwillincludeaCERTIFIEDFINANCIALPLANNERTM professional as well as specialists in portfolio management, tax management and estate planning strategies to ensure that all pieces of your plan are securely in place. We are happy to collaborate with your chosen attorney, accountant and other professionals as well.

Objective, Disciplined Investment Evaluation and Selection

Our investment decisions are guided by each client’s individual needs, but also by our belief in the benefitsofawidelydiversified,globalportfolioofinvestmentswithanappropriatelevelofrisk.

Systematic Monitoring

Inadditiontotheregularmonitoringandreportingonyourinvestments,HarborLightscangatherandreportontheprogressofallyourinvestments,includingthoseheldatotherinstitutions.Inthisway, we can ensure that all your assets are appropriately balanced for your investment objectives andtoleranceforrisk.

Revisiting and Adjusting the Course

Aperson’spriorities,goalsandneedschangeovertime.Childrenandgrandchildrengrow.Businessesevolve,theeconomyswerves.Anongoingrelationshipwithanexpertadvisoryteammeanswecanrespond rapidly to the new realities of your life and finances.

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Harbor Lights Financial Group

• ManagingInvestments

• ManagingandLeveragingDebt

• RetirementPlanning

• RiskProtectionforIndividualsandFamilies

• DefinitionofEstateGoals

• Multi-GenerationalPlanning

• ExecutiveBenefitPlanning

• Legacy&WealthTransferPlanning

• PlanningforLifeTransitionsandUnexpectedEvents

• PhilanthropicPlanningandCharitableGiving

• BusinessExitPlanning

• BusinessNeedsReview

• CashManagement

• CapitalNeedsReview

• RetirementandBenefitsAssessments

• 401(k)ConsultingandSupport

• EmployeeStockOptionsSupport

• PlanningforLiquidityEvents

Specialized Services

FOR INDIVIDUALS AND FAMILIES, WE PROVIDE THE FOLLOWING SERVICES:

FOR BUSINESSES, WE PROVIDE THESE SERVICES:

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We welcome the opportunity to help you navigate your own financial voyage.

We commit ourselves to serving your long-term interests with expertise and excellence.

“WHOSOEVER COMMANDS THE SEA, COMMANDS THE TRADE.”

– SIR WALTER RALEIGH

We welcome the opportunity to help you navigate your own financial voyage.

We commit ourselves to serving your long-term interests with expertise and excellence.

“WHOSOEVER COMMANDS THE SEA, COMMANDS THE TRADE.”

– SIR WALTER RALEIGH

Harbor Lights Financial Group2424 Highway 34

Manasquan, NJ 08736Phone: (732) 528-4333 • Fax: (732) 528-4820

www.hlfg.com

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC.

Harbor Lights Financial Group is a separate entity from WFAFN.

Investment and Insurance Products:

Not Insured by FDIC or any Federal Government Agency

MAY Lose ValueNot a Deposit of or Guaranteed

by a Bank