Insightful Advice and Guidance and Responsive, Personalized Attention

Post & Associates works with families, individuals and businesses in Michigan and across the United States. We're proud to have fostered long-term relationships with so many clients who have been with us for years and, in some cases, for several generations. We work hard and strive to earn their trust every day.

You deserve insightful advice and guidance based on a thorough understanding of what you hope to achieve with your wealth. We believe your investment portfolios should be integrated with an overall wealth management strategy that is based on your values, your priorities and your important financial goals.

You also deserve excellent service, and hands-on service is a hallmark of our team. We are committed to exceeding your expectations for responsive, personalized attention. Every business day, from early in the morning until past the closing bell, we are here for you. We are accessible on weekends, as well, by appointment. We want you to feel we have only one client — you.

A Strategy Centered on You

We seek to deliver value to client relationships through a disciplined wealth management process, open communications and a commitment to outstanding client service. Designing a wealth strategy that fits you and your needs begins with how well we know you and understand your circumstances.

Wealth management is much more than selecting investments for your portfolio. It is a disciplined process that encourages you to think about what you hope to accomplish with your wealth. We begin by learning as much as we can about your financial life, and then help you set realistic goals and expectations. Ideally, we will meet not only with you, but also with any other family members you want to involve in your decision-making process. The more we know about what is important to you and your family, the better we are able to recommend strategies aimed at helping you transform your financial vision into reality. Once we have a clear picture of your financial vision and priorities, we chart a course designed to help you get there. Your wealth strategy may include a few goals, such as providing an income stream to maintain your current lifestyle, funding your retirement or a child's education.

Establishing a connection with you is important for us. We will reach out to you periodically to hear about your personal concerns and learn about life-changing events in your family, such as the birth of a child or grandchild, or plans to build or buy a new home. Through these conversations, we often uncover additional financial needs that we can help you address.

Our commitment to teamwork extends to working with other members of your professional team. With your consent, we will coordinate with your attorneys, CPAs and other advisors to see that financial strategies are implemented seamlessly and in line with your objectives.

A Portal to Powerful Services

Post & Associates is your point of access to the banking convenience of Bank of America and the investment insights of Merrill.

The Merrill platform gives us — and you — access to one of the deepest pools of professional investment talent, products, services and technologies in the financial industry. The Investment Management & Guidance group, for instance, is an important resource for investment analytics, innovative portfolio construction advice and actionable wealth management ideas. When we select asset managers for your portfolio, we rely on the group's research and analysis.

We can also offer you access to the banking services of Bank of America, which include:

• CONSUMER RETAIL BANKING: Bank of America is a market leader in consumer lending and home loan financing, offers a wide range of transactional and deposit products, and is an industry leader in online and mobile banking capabilities.
• COMMERCIAL BANKING: Bank of America offers businesses of all sizes credit and loan products, payment processing and treasury services, including dollar-based and foreign currency cash management.

• Wealth Management Banking
• Wealth Structuring
• Trusts and Philanthropic Services

• Estate Strategies
• Individual Retirement Services and Annuities
• Insurance

Supporting Retirement Benefit Plan Sponsors

Increasingly, we see clients who are managing defined contribution plans, primarily 401(k) plans, but also 403(b)s, money purchase plans and profit sharing plans. We work with clients with plan assets of $3 million to over $50 million.

Retirement savings plans are extremely valuable employee benefits, but from a sponsor's point of view, they can be complicated and time consuming to manage. We point out ways to enhance the value of the retirement benefit plan to employees, we look for cost and service efficiencies, and we support plan sponsors as they execute their fiduciary responsibilities.

Overseeing a retirement benefit plan can be a daunting task. Among other things, a plan sponsor has to:

• Understand the needs of the employees
• Document a plan with optimal, flexible provisions
• Seek an appropriate menu of investment choices
• Educate plan participants
• Select service providers and vendors at reasonable costs to the plan or company
• Review investment performance, and suggest changes, as necessary