Altrius Capital Management, Inc.

Financial Services

Altrius Capital is a wealth and investment management firm dedicated to providing sound risk adjusted returns through our proprietary process which focuses on global revenue generation, value and above average income. Our value-driven, income-focused process, is comprised of individual stocks and bonds designed to meet the retirement and investment goals of our clients. For more information, please visit our website www.altriuscapital.com.

Our team of CFP^® professionals and CFA^® charter holders are equipped to help clients navigate and plan for their business' futures. We aid in company 401k management, business succession planning, business distribution planning, and business dissolution planning. We also understand you are busy running your business during the work week, and we are flexible and happy to work with you outside of standard business hours. For more information, please visit our website https://www.altriuscapital.com.

Our team of CFP^® professionals and CFA^® charter holders are equipped to help clients navigate and plan for their futures. We use top-of-the-line financial planning software coupled with decades of experience to answer our clients' planning-related questions, which often include: "When can I retire?" "What do I have to do now so that I can retire by age _____?" "How can I plan for insert major expense/life event in my future?" For more information, please visit our website https://www.altriuscapital.com.

First and foremost, we are fiduciaries here at Altrius, and we take this responsibility very seriously. Rest assured knowing that any time you meet with an Altrius representative, we will always give the best advice to our clients, regardless of how it impacts the firm. We have a wide array of experts on our team, from CFP^® professionals to CFA^® charter holders. All of us come from various backgrounds including economics, insurance, real estate, and portfolio management. We will be the first to tell you if we don't have the answers to your questions. However, in the rare event that we do not, know that we will do everything in our power to get the answers for you! For more information, please visit our website https://www.altriuscapital.com.

Our team of experienced CFP^® professionals and CFA^® charter holders are well equipped to help our clients develop and manage their unique retirement plans. We leverage decades of combined expertise and state-of-the-art financial planning software to guide you through the important steps of preparing for and enjoying a secure retirement. We help answer key questions about retirement, like: "When can I retire?" "What will my income look like? "How long will my assets and income last?" For more information, please visit our website www.altriuscapital.com.

First and foremost, we are dedicated fiduciaries here at Altrius, and we don't take this responsibility lightly. This means that we will view you and your unique financial life holistically before determining if a rollover is the recommended best course of action. If it is, our team will help you every step of the way, maintaining consistent communication throughout the process. For more information, please visit our website www.altriuscapital.com.

Our team of CFP^® professionals and CFA^® charter holders are equipped to help clients with their insurance planning needs. We will not sell insurance or commission products, but we will advise our clients regarding their current and potentially needed protections for their specific situations. Many of the questions our clients have in this area include: "Do I have enough coverage?" "Should I purchase a long-term care policy, or can I self-insure?" "My premium continues to increase, is there another option I have?". For more information, please visit our website https://www.altriuscapital.com.

We do not sell annuities, and in most cases, would not recommend them for our clients. They are great products for the person selling them (they have large commissions and fees) but are typically not the best solution for our high-net-worth clients. We will conduct an analysis of any current annuities you may have and advise on the best course of action. Unlike insurance and annuity salesmen, we are fiduciaries and will always give the best advice for our clients' unique situations. For more information, please visit our website https://www.altriuscapital.com.

Our team of CFP^® professionals and CFA^® charter holders are equipped to help clients prepare to leave inheritances to their loved ones and minimize potential probate, estate fees, and taxes. We are not attorneys and cannot create estate documents, but we can advise on the best means to accomplish our clients' estate planning goals before time and money are spent on attorneys. For more information, please visit our website https://www.altriuscapital.com.

While we will not manage 529 Plans for clients, we will help you select the best state-offered plan that fits your specific needs and long-term goals. We will include education planning in your long-term financial plans and devise a strategy for a high probability of success in accomplishing the education goals you have for your family. Common questions we receive when discussing this area of planning include: "How much should I be saving each month to meet our goals?" "How should we allocate to the investments offered within the 529 Plan?" "When should we de-risk the plan as the timeframe for needing the funds shortens?" For more information, please visit our website https://www.altriuscapital.com.

We provide comprehensive wealth management and holistic financial planning services for our clients at no additional charge from your management fee. We are an independently owned and fee-only asset management firm; we never charge commissions, sell commission products, or tack on hidden or layered fees to your account. As dedicated asset managers, we stand out from most firms who are only practicing wealth management. We differentiate ourselves by investing in individual stocks and bonds for our clients. You can rest assured knowing that each individual stock and bond that we select goes through a rigorous screening and proprietary analysis process by our in-house economists and portfolio managers. This enables us to cut out the middleman fees that wealth managers often subject clients to by relying on ETFs and Mutual Funds as their primary means of investing. For more information, please visit our website www.altriuscapital.com.

As active asset managers, we keep a close eye on every company that our clients own. To manage risk in our clients' portfolios, we equally weigh the companies that our clients own so that no one company or sector will drive the performance within the portfolio. Over time, as varying companies and sectors increase and decrease in value, we will capture gains in those companies that have seen considerable growth by selling a portion of the total position and then reinvest the profits back into those positions that may be lagging. This ultimately contributes to a more balanced and equally weighted portfolio. At Altrius, we don't invest in hope. We are careful, considerate, and calculating as we invest in profitable companies with real cash flow. We aim to invest in companies that are undervalued or reasonably valued, that pay meaningful dividends, and that show dedication to growing their dividend payments over time. For more information, please visit our website www.altriuscapital.com.

In addition to our income-focused and value-driven investment strategy, we also manage our clients' cash by purchasing short-term treasury bills directly from the U.S. government. This cuts out the middleman (banks) and provides better liquidity and interest rates than those offered through CDs and high-yield savings accounts. This service is offered to our clients for just 0.20%/year on the assets held within the cash management account. Our cash management services are only available for clients who also have an Altrius-managed investment account. For more information, please visit our website www.altriuscapital.com.