Advisory Advocacy is in our DNA

Wharton Investment Consultants is a group of independent financial advisors based in Wilmington, Delaware who are dedicated to providing a wide range of quality products and services to financial advisors and CPAs. Our mandate is to act as advocates for our advisors –– men and women who are passionate about investment counseling, share a commitment to business success and who seek a culture that supports family and work-life balance. Our servicing expertise allows our advisors to continue to focus on their growth and uncover more opportunities whether they are new to the industry or have been a practicing professional for many years. We expand the benefit of working with us by adding institutional depth and access to a broad range of award-winning products and services offered through our broker-dealer, Cetera Advisor Networks, and its parent Cetera Financial Group. Cetera Advisor Networks offers a highly acclaimed technology platform, pro-active research, comprehensive due-diligence, training, and industry-leading marketing programs.

Independence Backed by a Commitment to True Service

No matter what size firm you come from, you’ll find that Wharton Investment Consultants makes the capabilities of a large full service firm accessible on the local level. Take a look:

Competitive Investment Offering

— A wide range of investment and insurance vehicles includes managed money, alternatives and annuities; as well as access to institutional-grade portfolio management tools and allocation strategies.

Consolidated Client Services

— Resident expertise embraces financial planning and consulting, as well as ERISA participant consulting; wealth management, estate, and retirement planning; investment services and management, tax management and insurance and protection planning.

Growth-Oriented Compensation

— Our payment is based on the branch performance versus an individual one to ensure true peer-to-peer collaboration as well as a client-centric approach.

Operational Flexibility

— An accessible platform gives you a one-click access to a dynamic suite of proprietary and industry-leading tools, centralized client data and business information — all in one powerful workstation.

Proven Support

— We deliver compliance approved communications, personally evaluate products and managers and handle back office operations. We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client. We offer the experienced partnership you need to continue to expand and succeed.

For use with financial professionals only. Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate management from any other named entity .

WHARTON INVESTMENT CONSULTANTS

5010 Canby Drive, Wilmington, DE 19808-1102, phone 302-239-2111 fax 888-438-6460 www.whartonic.com

PRODUCTS AND RESOURCES

PRODUCTS: • Broad and deep selection of investment products in many asset classes and legal structures • Non-proprietary product shelf • Robust product due diligence and risk management overlay to minimize risk ADVISORY PROGRAMS: • Preferred Asset Management ® , Prime Portfolio Services and Premier Portfolio Management advisor directed programs • Award-winning* turnkey MF/ETF Advisory program with a selection of institutional portfolio strategists, including Wilshire Funds Management, UBS Global Asset Management, Sage Advisory Services and Cetera Investment Management, LLC • The next generation Managed Accounts (xMA ® ) Program with up to 70 managers and 100 unique investment styles in a single custodial account COMPREHENSIVE RESEARCH: • Daily Market Briefings • Monthly Market Monitor • Quarterly Market Outlook and client seminars • Quarterly Recap • Market Commentaries on current investment topics • Recommended list of mutual funds ADVANCED PLANNING GROUP: • Tax and legal updates • Consultations: Wealth transfer retirement funding and distribution business and succession planning • Written authority and specimen documents

SERVICES YOU CAN OFFER

FEE-FOR-SERVICE OPTIONS: • Financial planning • Asset management fees • Agreements to get compensated for providing advice on ERISA accounts that are held away from Cetera Advisor Networks, as well as the plan sponsor level CONSULTING SERVICES AGREEMENT: • No requirement for a written financial plan • A three-year agreement • The ability to offer specific security recommendations • Flexible compensation • Customizable invoices SUCCESSION PLANNING: • Succession planning • Buy/sell key man agreements • Interim succession planning agreements

SUPPORT YOU GET

DAY-TO-DAY OFFICE MANAGEMENT: • On-site back office processing and support • Physical branch office infrastructure • Help with commercial real estate search and negotiations • Ongoing administrative services • Payroll services ADDITIONAL SUPPORT: • One-on-one transition support • Local compliance and supervisory oversight • Mentorship and coaching program • Referrals • • MARKETING: • Connect2Clients SM program • Connect2Clients SM Social • Access to approved vendors for personal website creation or tune-up Niche marketing Annual marketing events and ideas • Personal brand development TECHNOLOGY: • Award-winning † wealth management platform • Online account opening • NetX360 • AdvisoryOnline 2.0

• RedTail Integration • MoneyGuidePro TM and MoneyGuideBroker TM • Morningstar ® reports • Morningstar ® Advisor Workstation SM • MarketWatch Research • Albridge TM Reporting Wealth • Complete client account data Integrated LaserApp capabilities • SEC Books and Records alerts and record keeping • Commission reports

PAYOUT AND INCENTIVES

INDEPENDENT FIRM COMPETITIVE PAYOUT: • Full transparency • Solo practice and ensemble options • Financial assistance with practice acquisition INCENTIVE PROGRAMS: • Net New Assets Program • Wealth Management Concierge benefits • Split-business agreements with other licensed professionals and centers of influence STRATEGIC PARTNERS: Our mutual fund Strategic Partners are categorized into two tiers: • Mutual Fund Elite: Ticket charges are waived for purchases over $2,500 • Mutual Fund Participating: Ticket charges are waived for purchases over $15,000 These thresholds apply to both brokerage and advisory business • • • • • TRAINING AND EDUCATION: Wealth Management University Local Practice Development Workshops Administrative Professionals Program e-Learning Center Dedicated Resource Center Support Hotline * The MF/ETF Advisory program was named the 2012 Advisory Solution of the Year by the Money Management Institute.

† SmartWorks Adviser is powered by FolioDynamix, which received the 2012 Advisory Solutions Technology Innovation of the Year award from the Money Management Institute.