Financial Advisory & Financial Planning Services & Fees Our Financial Advisory and Financial Planning Services Tailored or Customized. Financial PlanningDetails of Financial Planning ServicesFinancial PlanYour financial plan is a customized and comprehensive financial map that may include:INSURANCE POLICY REVIEWAn assessment of your financial risks, current coverage, and how best to protect your future. Areas of review include:Life InsuranceHealth InsuranceProperty and Casualty InsuranceDisability Income InsuranceLong-Term Care InsurancePORTFOLIO REVIEW:A detailed review of your portfolio’s asset allocation and an assessment of how it aligns with your financial goals and your tolerance for risk, providing you with a detailed set of portfolio recommendations.CASH FLOW ANALYSIS:A map of exactly where your money comes from, where it goes, and how best to direct your resources toward your financial objectives.TAX PLANNING AND PROJECTIONS:An annual, multi-year tax projection, coordinated with your accountant, that identifies tax-savings opportunities.EMPLOYEE BENEFIT REVIEW:Assistance with understanding and electing the appropriate benefits available through your employer to fit your needs.COLLEGE EXPENSE MANAGEMENT:A plan to pay for your student's college costs and/or your own student loan debt that clarifies the true cost of college and provides insight into opportunities for debt minimization and reduction.PHILANTHROPY AND CHARITABLE GIVINGAdvice and strategies for aligning your long-term financial interests with your desire to do good in the world.10225 Ulmerton Road, Suite 5B | Largo, FL 337711 | (727) 754-8418 officewww.AthenianPrivateClientGroup.com | AthenianPCG@Cambridgesecure.com RETIREMENT INCOME PLANNING:Exploration and clarification of your retirement-income goals and the options that are available for achieving them, resulting in a comprehensive retirement income projection and a clear strategy for the future. This process includes regular assessments to measure your progress.EMPLOYER RETIREMENT PLAN MAXIMIZATION:An analysis of your investment and contribution options to ensure that you are making the most of tax-favored savings options.SOCIAL SECURITY PLANNING:A strategy for claiming benefits at the right time and maximizing your benefits.ESTATE AND LEGACY PLANNING:A coordinated assessment, typically involving your estate planning attorney, ensuring that your estate plan aligns with your wealth-transfer goals.BUSINESS PLANNING:A review of your business legal structure, financials, goals, and succession plans, lending our experience and expertise to help you achieve your business planning goals.ACCESS TO FINANCIAL PLANNING TOOLS:As a member of the Athenian Private Client Group family, you are able to leverage the experience and expertise of our advisors in the financial planning process. In addition, you will have access to our web-based Financial Planning software. This tool allows you to see your whole financial picture in one place, which simplifies and makes management of your entire financial life much easier. We may also incorporate additional tools as needed for specialized planning services.SPIROS VASSILAKOSMy mission is to simplify our clients' financial life, assist them in achieving their goals, help them to protect their family and lifestyle and guide them in leaving their desired legacy.INVESTMENT PHILOSOPHYOur clients often tell us, “I wish I had time to...” or "I wish I could get back time to...". Before making any investment recommendations, we help our clients determine what we call the "Human Element”. We identify four core life elements: Family, Occupation, Recreation and Money. By focusing on these four life elements, we are able to give our clients a financial road map to take back missed time, to focus on their families, businesses or careers and to pursue their bucket lists. Financial independence does not require extraordinary income or investment “home runs.” It requires, first and foremost, that our clients feel they have a partner on their side as they organize their time and money, so they can live their life with comfort, clarity and confidence.Our Financial Planning Process:Wealth Management: Customized personal portfolio design, implementation and monitoring.Retirement Planning: Proactive, intelligent income and portfolio risk analysis.Tax Planning: Comprehensive, diversified tax managed customization strategies.Legacy Planning: Risk Management & Charitable Giving.Securities offered through Registered Representatives of Cambridge Investment Research, Inc, a broker-dealer member FINRA/SPIC. Advisory services through Cambridge Investment Research Advisors, Inc, o Registered Investment Advisor. Cambridge and Athenian Private Client Group are not affiiated. Cambridge Investment Research, Inc. and Athenian Private Client Group do not offer legal or tax advice. Financial PlanningServicesServiceEssentialBasic PlusAdvancedComprehensiveYour Custom PlanFinancial PlanningInsurance Policy ReviewPortfolio ReviewCash Flow AnalysisTax Planning and ProjectionsEmployee Benefit ReviewCollege Expense ManagementStudent Loan PlanningRetirement Income PlanningEmployer Retirement Plan MaximizationSocial Security PlanningEstate and Legacy PlanningBusiness PlanningAccess to Financial Planning Tools10225 Ulmerton Road, Suite 5B | Largo, FL 337711 | (727) 754-8418 officewww.AthenianPrivateClientGroup.com | AthenianPCG@Cambridgesecure.com Financial PlanningFeesFINANCIAL PLANNING FEE(Financial Planning Only)ServiceEssentialBasic PlusAdvancedComprehensiveONE-TIME$1,500$1,750MONTHLY$100$150$175$200INVESTMENT ADVISORY FEE(Includes Financial Planning Services)FeesEssential & Basic PlusAdvanced & Comprehensive$100k-$1MM1.25%1.50%$1MM-$5MM0.90%1.00%Over-$5MM0.00%1.00%Securites offred though Registered Representives of Cambridge Investment Research, Inc. a broker dealer member FINRA/SPIC. Advisory services through Cambridge Investment Research Advisors, inc. a Registered investment Advisor. Cambridge and Athenian Private Client Group are not affiliated. Cambridge Investment Research, inc. and Athenian Private Client Group do not offer legal or tax advice.