Rede’s Client Update 2/12/2015

The following update was shared with clients on:

February 12, 2015

Valued Client
416 W. Main Street
City, State Zip Code

Dear Client,

Thank you for your support during our transition to Rede Wealth (“Rede”); we are gratified by the positive response from so many of our clients, and many of you have already returned the documents necessary to transfer to our new custodian for your assets, Charles Schwab & Co., Inc. (“Schwab”). As a Registered Investment Advisor, we require the use of an outside custodian. We vetted several (Pershing, RBC, Fidelity and several others), but we chose Schwab as custodian for your assets for a number of reasons including the fact that they afford you institutional pricing for transactions, as opposed to the retail pricing model available at other broker-dealers. We strongly believe that they will also provide the technology, reporting and security you require and expect.

The separation of Rede and your assets, held at Schwab, creates a system of natural checks and balances. You can be assured that your assets are protected and secure at a major institution and that we’re providing advice which is uncomplicated by our relationship with a specific platform or outside entity. Registered Investment Advisors have existed for more than seventy years and as a Registered Investment Advisor, we have a fiduciary responsibility to you that we didn’t have when we worked for a broker-dealer. For example, we must ensure that your investments are in your best interest at the time of purchase and remain so during the many changes that will take place during your life. You can learn more at RIAStandsForYou.com.

We understand that many of you are receiving calls from advisors recently assigned to your account(s) suggesting that it’s easiest for you to do nothing and stay put. Applying this same logic, we could have chosen to stay where we were. But we felt doing so would not have been in your best interest, or offered what we feel are the best tools to provide you with the services, products and advice you deserve. Remaining where you are requires you to build a new relationship and establish a level of trust with a new advisor. We offer you a relationship built on the years we have worked together and the trust you have placed in each of us.

We also understand that some of you may feel confused, as your newly assigned advisor causes you to question how Rede Wealth fits in with Schwab. As an independent wealth management firm, we are regulated by the Securities and Exchange Commission (“SEC”), a US government agency rather than the Financial Industry Regulatory Authority (“FINRA”), a self-regulatory agency of member brokerage firms and exchange markets. Rede Wealth makes its primary regulatory filings with the SEC, which may be reviewed via the following link:

www.adviserinfo.sec.gov/IAPD/Firm/173346

For your convenience, we (as individuals) also maintain a registration with FINRA through a “friendly broker-dealer”. A “friendly broker-dealer” allows us to continue providing brokerage products like 529 accounts and insurance products through a commission-based relationship, while still primarily working with our clients in an advisory capacity. Rede and Schwab both play an important part in the services, products and advice offered to you.

Your newly assigned advisor may also be providing feedback about our relationship that’s presented in a negative light. Keep in mind that these suggestions are being made without a full understanding of your situation, background or motivations for owning the positions you do. You should also note that our former firm monitored and reviewed your accounts routinely while we worked there so you may find it odd that only since our departure do they suggest a cause for concern. We remain the same individuals who have worked with you for years to diligently provide you with the best counsel and service possible. We decided to become a Registered Investment Advisor because we believe it is the best path toward improving and offering the widest and best scope of services we possibly can while minimizing potential conflicts of interest. After you’ve heard the reasons you should fear making the move with us, we suggest you ask your newly assigned advisor a few questions: “What is your level of experience? Why should I work with you? How is it you are offering feedback on my accounts without learning my situation and investment goals?”

We understand that some of our clients may have been confused by the details of our transition to Rede Wealth, but the broker-dealer industry has created a protocol for its advisors to follow when departing their member firm. A copy of that protocol can be found at RedeWealth.com/Transition and reviewed, at your convenience. Unfortunately, providing advance notice of the move to you would have violated this protocol, and notice to our former firm would have jeopardized our transition to Rede Wealth.

We value your input and remain available to discuss any questions or concerns you may have at XXX-XXX-XXXX or toll free at XXX-XXX-XXXX.

Warmest regards,

Charles Almy, Chairman

Stephen J. McNaughton, Chief Executive Officer

Matthew Dawson, Chief Operating Officer