Services

InvestSense is a fee-only registered investment adviser specializing in wealth preservation and investment advisory services. In order to ensure the objectivity of its advice, neither our company nor our staff sells investment products (e.g. stocks, bonds, mutual funds) or insurance products (e.g. annuities, life insurance).

InvestSense's services are purely advisory in nature, consisting primarily of:

• Wealth Preservation Planning - an integrated three step process consisting of (1) portfolio/risk management analysis, (2) wealth management planning, and (3) portfolio monitoring.

Portfolio/Risk Management Analysis - the review and analysis of financial plans, investment/asset allocation recommendations, and related financial documents to evaluate the quality of advice provided and the suitability of any financial planning and/or investment advice.

Wealth Management Planning - the analysis of a client's financial situation and the development of an integrated wealth management plan, including investments, estate planning and wealth preservation/asset protection strategies. Planning covers both pre-retirement and post-retirement wealth management. Portfolio modifications may be recommended based on the results of the client's portfolio/risk management analysis. No-load mutual funds are generally recommended to promote wealth preservation by avoiding the commissions of load funds and to allow more of the investor's wealth to actually be invested. In some cases exchange traded funds may be recommended based upon the investor's personal investment profile and financial needs.

Portfolio Monitoring - ongoing monitoring of an investor's portfolio and strategic investment recommendations to help the investor to manage their portfolio more effectively in terms of both portfolio return and portfolio risk management.

• Wealth Distribution Planning - the review and analysis of a client's assets and the preparation of a plan for the orderly and efficient distribution of a client's assets in order to minimize tax erosion and to accomplish the client's goals and wishes.

• Educational Seminar Services - presentation of seminars for pension plans, profit and nonprofit corporations, civic groups, charitable organizations, financial planning and financial services organizations, and other groups, covering such topics as retirement planning, asset allocation, portfolio management, and risk management.

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