Yeske Buie User’s Manual

Yeske Buie User’s Manual

Welcome to the Yeske Buie User’s Manual!
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Back Next How do I use this Manual? Click any of the HOME buttons to learn more! Click this button when you want to move back to the previous slide. Click this button when you want to advance to the next slide. Click here, now! Welcome! Evolution of Yeske Buie Why YeBu® Clients are Elite Welcome to the Yeske Buie User’s Manual! Let’s Try it Out! Our Process, Your Journey FAQ How to Send Us Information Additional Resources You will find action buttons at the top of each slide of this manual. Who to Contact How Do I Make A Referral? Meet the Team

Welcome! Home Click now! We are happy you have decided to work with us. We hope you will find this manual helpful, as an expression of our deep commitment to exquisite financial planning with the ultimate goal of helping you to accomplish what really matters to you – what we like to call your Live Big® goals. Live Big goals are about the size of your life, not the size of your wallet! Elissa and Dave brought their decades of experience together to form Yeske Buie with a mission to set the standard for the delivery of financial planning and investment management within the profession. That drive for innovation and excellence continues to define Yeske Buie today. We harness the power of financial planning combined with a rigorous and disciplined approach to investing to help you make sense of the choices and challenges that financial success brings. Our tradition of Creative Strategies-Grounded Wisdom® enables us to apply the art and science of financial planning to develop strategies uniquely suited to your needs. We do all of this with the greatest success when we have a personal relationship with our clients. We look forward to getting to know you better and to building that relationship. Yeske Buie is a dynamic and supportive firm, that honors diversity, values scientific research, believes in human ingenuity, and most importantly, defines great financial planning as pursuing what is in the best interests of our clients at all times. We look forward to working with you! --The Yeske Buie Team No need to scroll through the slides, simply use the action buttons to navigate the pages.

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Welcome to Yeske Buie! Click any box below to learn more about Yeske Buie Welcome! Evolution of Yeske Buie Why YeBu® Clients are Elite You may exit the presentation at any time by using the Esc key on your keyboard. ENJOY! Our Process, Your Journey FAQ How to Send Us Information Additional Resources Click anywhere to begin. Who to Contact How Do I Make A Referral? Meet the Team

Welcome to Yeske Buie! Click any box below to learn more about Yeske Buie Welcome! Evolution of Yeske Buie Why YeBu® Clients are Elite Our Process, Your Journey FAQ How to Send Us Information Additional Resources Who to Contact How Do I Make A Referral? Meet the Team

Welcome! Home We are happy you have decided to work with us. We hope you will find this manual helpful, as an expression of our deep commitment to exquisite financial planning with the ultimate goal of helping you to accomplish what really matters to you – what we like to call your Live Big® goals. Live Big goals are about the size of your life, not the size of your wallet! Elissa and Dave brought their decades of experience together to form Yeske Buie with a mission to set the standard for the delivery of financial planning and investment management within the profession. That drive for innovation and excellence continues to define Yeske Buie today. We harness the power of financial planning combined with a rigorous and disciplined approach to investing to help you make sense of the choices and challenges that financial success brings. Our tradition of Creative Strategies-Grounded Wisdom® enables us to apply the art and science of financial planning to develop strategies uniquely suited to your needs. We do all of this with the greatest success when we have a personal relationship with our clients. We look forward to getting to know you better and to building that relationship. Yeske Buie is a dynamic and supportive firm, that honors diversity, values scientific research, believes in human ingenuity, and most importantly, defines great financial planning as pursuing what is in the best interests of our clients at all times. We look forward to working with you! --The Yeske Buie Team

Evolution of Yeske Buie
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Why YeBu® Clients are Elite Click the boxes in the Live Big® map to learn more
Home We like to think of ourselves as “financial planning evangelists” and this starts as early as possible. Click the arrows below to know more. Money Savvy Pig, Cash Cache, WSJ Guide Financial Planning Policies We help our clients make the most of their most valuable resource, life. Click this box to learn more. Our approach to managing investment portfolios is predicated on certain fundamental assumptions regarding factors that most influence investment success; among these factors are the following (click each arrow): Asset Allocation Stable Reserve Value Criteria Size Criteria Fees and Expenses YeBu vs Benchmark Rebalancing Our Financial Planning process is designed with a uniquely personal approach. Click the arrows below for more. Our Process, Your Journey Safe Spending System We invented them! This is your online portal to Yeske Buie. Click this box to see a sample.

Live Big® It’s about the size of your life, not the size of your wallet®
Live Big® Map “Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness that most frightens us. We ask ourselves, Who am I to be brilliant, gorgeous, talented, fabulous? Actually, who are you not to be? Your playing small does not serve the world. There is nothing enlightened about shrinking so that others won’t feel insecure around you. We are all meant to shine. And as we let our own light shine, we unconsciously give others permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.” -Marianne Williamson Envision your exquisite, fulfilling life. Harness your resources to achieve that vision. At Yeske Buie, that’s what we’re all about. Money, however hard earned, is a renewable resource. At Yeske Buie we help our clients make the most of their most valuable resource, life. Our clients are looking for something beyond ordinary financial planning and investment advice. They share a compelling desire to live an extraordinary life. It is up to you to define your Live Big life; we’re here to help make it possible. We’re great people to think with. We’re here to help you explore life’s possibilities. This requires thinking far beyond risk analysis, model portfolios and financial planning strategies. It requires personal, innovative relationships centered on a singular priority: helping you live your biggest, best life.

Financial Planning for Generations Money Savvy Pig, Cash Cache, WSJ Guide
Live Big® Map To encourage financial education right from the beginning, we mail Money Savvy Pigs to clients with kids and/or grandkids under age In addition, we mail a Cash Cache to kids over age 10. The Cash Cache is a personal finance binder that includes a mini Live Big map (with quick tips to Save First, Spend Wisely, and Be Smart), an introduction to financial management pamphlet, pouches to Save/Invest/Spend/Donate, and sheets to track financial goals. Once they finish college, we send the “The Wall Street Journal’s Guide to Starting Your Financial Life” – a comprehensive guide to managing your money as you make the transition to being on your own.

Financial Planning for Generations Financial Planning Policies
Live Big® Map For kids and/or grandkids who have entered the workforce, we recommend a framework known as our Financial Planning Policies. These policies are geared towards establishing a foundation of solid financial hygiene and creating a sustainable spending/savings path with clearly defined financial goals.

Financial Planning Safe Spending System
Live Big® Map We utilize a scientifically-based system for starting and maintaining a safe and sustainable spending path in retirement. The Safe Spending System answers the following questions: “How much income can I safely withdraw from my portfolio?” “How will I know if I’m heading for trouble?” “What steps are needed to get back on track if I find myself heading for trouble?”

YeBu® Investment Approach
Asset Allocation Next Live Big® Map The returns to a portfolio will be more influenced the particular mix of investment classes than by any other single factor. A study by Brinson, Hood, and Beebower showed that 94% of the variation of returns among institutional portfolios could be attributed to the asset allocation decision, while 4% was attributable to individual security selection, and 2% to market timing decisions. Asset class categories consist of things like money markets, bonds, domestic large company stocks, domestic small company stocks, international large and small company stocks, real estate securities, and emerging market securities, among others. When we develop your investment policy, it includes specific targets for each of these categories.

Stable Reserve Next Live Big® Map Our bond allocation is designed to be the “stable reserve” within the portfolio. We work along several dimensions to minimize macroeconomic risks. Stable reserve optimization occurs through the following risk lever adjustments: Investing in bonds with maturities with less than 5 years. Investing in bonds that have a low correlation to equities. Investing in bonds that are investment grade. Utilizing a global strategy that hedges all currencies. Maturity Year 0 Year 5 Year 10 15

Value Criteria Next Live Big® Map Numerous studies have demonstrated that stocks trading at low multiples of their book value per share offer higher returns in the long run. If one particular market segment is to be favored over another, therefore, it makes sense to overweight value stocks over so-called growth stocks (i.e. low price-to-book ratio stocks versus high price-to-book ratio stocks). We also dollar-diversify by selecting only unhedged stock portfolios for our international allocations. Fully half of the stocks in any of our portfolios are in non-dollar-denominated assets.

Size Criteria Next Live Big® Map It has also been demonstrated that the size of a company influences its expected return, with smaller companies offering higher returns than larger companies over the long run. A well-diversified portfolio will have a significant allocation to smaller-company stocks.

Fees and Expenses Next Live Big® Map The future returns to any individual investment, or asset class, are not under our control. We can, however, exert prior control over the degree to which those returns are reduced by ongoing fees and expenses. Investments with low ongoing expense ratios, therefore, should be favored over investments with relatively high expense ratios, without regard to whether or not the investment vehicle was able to overcome its high expenses in the past. Access to Dimensional Fund Advisors (DFA) DFA manages a variety of mutual funds that are only available to institutional investors. We chose DFA funds for a variety of reasons with the most pronounced one to be their shared investment philosophy that tilts towards small cap and value investing. Also, the inexpensive fees and transaction costs make DFA a cost-efficient investment vehicle. DIMENSIONAL TRADITIONAL ACTIVE MANAGEMENT INDEX MANAGEMENT Believes that, in liquid markets, prices reflect all available information Attempts to identify mispricing in securities on a consistent basis Allows commercial benchmarks to define strategy Focuses strategies on the dimensions of higher expected returns Often relies on forecasting techniques to pick securities and/or time markets Tethered to a benchmark, reducing flexibility Seeks to add value through portfolio design and implementation Generates higher expenses, trading costs, and excess risk Accepts lower returns and increased trading costs in favor of tracking

Opportunistic Rebalancing
YeBu® Investment Approach Opportunistic Rebalancing Next Live Big® Map Our rebalancing policies help to reduce risk and increase returns by capturing periodic buy-low/sell-high opportunities. We frequently look at all of our portfolios, but will only consider rebalancing if 20% of the position is over or under the target percentage (unless cash is needed). It is through a disciplined approach to rebalancing that we can capture the full benefits of diversification.

Investing with Yeske Buie Investing in the market on your own
YeBu® Investment Approach YeBu vs Benchmark Live Big® Map IMPORTANT DISCLOSURES Investment advisory services provided by Yeske Buie Inc. (“YeBu”), a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). Information contained in this report is for informational purposes only to provide details on the services of YeBu. Investment advice can only be provided after entering into an advisory relationship with YeBu. The information and data presented herein has been prepared on the basis of publicly available information, internally developed data or other third-party sources. The performance returns presented represent a composite of all client accounts managed during the respective time periods. Performance returns are presented net of all fees and expenses, which will vary based on the size of a client’s account(s) and the frequency of trading within a client’s account(s). Returns for a particular account may be higher or lower than the performance returns presented. The maximum investment advisory fee charged by YeBu is 1.00% annually. Investment advisory fees charged by YeBu are detailed in the YeBu Disclosure Brochure (Form ADV, Part 2A). There are risks inherent in investing, including the potential loss of principal. Past performance is not a guarantee of future results. Diversification does not guarantee against loss of principal. Performance information is as of the date indicated, and is subject to change. * The Blended Benchmark Index is a composite of the MSCI All Country World Index (“MSCI ACWI”) and the Citigroup World Government Bond Index. It is not possible to invest directly into an index. An index does not have fees and expenses as included in the performance returns of the Yeske Buie Composite Portfolio Return. For more information, please contact YeBu at (800) Investing with Yeske Buie Investing in the market on your own

Our Process, Your Journey
Live Big® Map Our Process, Your Journey Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update Financial Planning is a process. It is a journey, not an event. We’re here to help you adapt your journey to life’s emerging realities and, ultimately, to help you Live Big.

Next Home Click a circle to learn more about each step or click the arrows to see our entire process Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page ® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update Financial Planning is a process. It is a journey, not an event. We’re here to help you adapt your journey to life’s emerging realities and, ultimately, to help you Live Big®.

Our Initial Meeting Our Process, Your Journey In this initial meeting, you will talk with Dave to learn more about the firm and what it means to be a client. Prior to the meeting, you will be asked to complete a few surveys to help us… Learn more about you, your family, your assets, Assess your level of satisfaction with aspects of your financial life, Review your current and future goals, concerns, and potential life transitions. Topics from these surveys may be discussed in the meeting. You will also have the opportunity to ask Dave any questions you have about Yeske Buie, our philosophy, our approach to financial planning, and more!

Meet Your Associate Financial Planner
Our Process, Your Journey Your Associate Financial Planner (AFP) works directly with Dave and Elissa and is your first point of contact if you have any questions or concerns. After your Initial Meeting, your AFP will be following up with you to request documents we will need in preparation for your upcoming meetings. As your relationship with Yeske Buie continues, feel free to contact your AFP any time you would like to schedule a meeting, transfer money, ask questions about your portfolio, ask questions about your financial planning, investment, or tax reports, or ask questions about your financial plan or discuss new planning issues. In addition to our Financial Planning team, our Client Service team is always available to help you move money, prepare account paperwork, answer questions about accessing your Client Private Page®, and answer any questions about trades or margin. Click here to learn more about our Associate Financial Planners Click here to learn more about our Client Service Team

Gather Additional Information
Our Process, Your Journey To provide you with tailored advice, we will need copies of all applicable documents listed below… Financial Life Planning surveys Financial Statements and Policies Most Recent State & Federal Tax Returns Bank, Brokerage, & Mutual Fund Statements Retirement Plan Statements (incl. Social Security) Mortgage/Loan Statements & Original Notices Paystubs List of Other Family Assets (Custodial Accts, etc.) Employee Benefit Booklets/Statements Homeowner’s & Auto Policies* Life, Disability, Medical and LTC Policies* Wills & Trusts Business Ownership Documents (Buy/Sell, etc.) *please bring the “declarations” + “premiums” page

20 Minute Client Private Page® Introduction
Our Process, Your Journey As a Yeske Buie client, you will receive your own Client Private Page ®, a personal area on our website where you can view regular financial updates via a secure, encrypted connection. During this brief call, one of our client service members and your Associate Financial Planner will walk you through how to best use this page. To learn more about your Client Private Page, click here!

Discovery Meeting Our Process, Your Journey Our planning engagement begins with our Discovery process. This is where we learn about who you are and what really matters to you. Our goal is to establish a relationship based upon a thorough understanding of what’s important to you, as well as your financial situation and available resources. With a fuller understanding of your resources, opportunities, and vision, we apply the art and science of financial planning to develop Creative Strategies-Grounded Wisdom®.

Analyze Your Financial Situation and Life Goals
Our Process, Your Journey We use the following established financial planning tools as the foundation for the Creative Strategies-Grounded Wisdom® we bring to the process. Capitals Needs analysis Monte Carlo simulation Financial Planning Policies Safe Spending System We believe this holistic process engages individuals and empowers them to maximize their resources and live meaningful and purposeful lives and help fulfill Live Big® dreams.

Investment Philosophy Webinar
Our Process, Your Journey A link will be ed to you to watch Dave’s presentation of our Investment Philosophy. If you would like to learn more about our Investment Philosophy, click any of the links below (links will work if connected to the internet): Investment Philosophy Core Principles Investment Philosophy Webinar Investment Approach Economy and Investing Updates

Set Up Your Accounts Our Process, Your Journey Once we receive statements (from within the past 60 days) for the accounts that you wish to transfer, a member of our client service team will send you password protected Schwab account paperwork to set up your accounts. You can return the paperwork to us using any of the four methods below: Scan a copy of your document and use the secure upload form (link will work if connected to the internet) Fax to (866) Via with your document included as a password-protected attachment Regular Mail Once your accounts are opened and transferred, you can monitor them via your Client Private Page® or Schwab’s website. A member of our client service team will send you instructions to give you online access to your accounts at Schwab after one monthly cycle.

Initial Plan Presentation
Our Process, Your Journey The Initial Plan Presentation will involve a discussion around your current situation and an exploration of future possibilities. We will have generated reports using the information you provided in addition to what we learned during your Discovery Meeting. This will be further reviewed within the following realms: Financial Hygiene Realm – Determine items to be dealt with right away to ensure you are adequately protected and prepared, especially with regard to insurance and estate planning. Aspirational Realm – Discuss the lifestyle path of what is possible with what you have now and into the future.

Invest All Funds Our Process, Your Journey Your money will be promptly invested according to your Investment Policy Statement (IPS). You can find a copy of your Investment Policy Statement under the Portfolio Reports tab of your Client Private Page®. We will invest your money strategically using one or both of the following methods: Directly - For your money that is currently invested in the market. Dollar Cost Averaging - We mitigate market risk by investing portions of your cash reserves each month over a period of time.

Answer Questions Our Process, Your Journey If at any point you have a question, a request, experience a major life event, or need anything from us, please do not hesitate to contact us via or phone. Our Virginia office is open from 9:00am-5:00pm Eastern Time Our San Francisco office is open from 9:00am-5:00pm Pacific Time Click here for our full contact information! When in doubt, or and one of our team members will be happy to assist you

Annual Update Cycle Our Process, Your Journey Moving forward, we will offer to meet annually, at a minimum, to discuss your financial path and the next best steps for you. Your Annual Update month will typically be the month that you have your Initial Plan Presentation. Your Associate Financial Planner will send you a request for updated information two months prior to your Annual Update month. If at any point you have questions or would like to schedule a meeting throughout the year, please do not hesitate to contact your Associate Financial Planner.

Our Initial Meeting Back Next Initial Meeting
Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update

Our Initial Meeting Back Next In this initial meeting, you will talk with Dave to learn more about the firm and what it means to be a client. Prior to the meeting, you will be asked to complete a few surveys to help us… Learn more about you, your family, your assets, Assess your level of satisfaction with aspects of your financial life, Review your current and future goals, concerns, and potential life transitions. Topics from these surveys may be discussed in the meeting. You will also have the opportunity to ask Dave any questions you have about Yeske Buie, our philosophy, our approach to financial planning, and more!

Back Next Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update

Back Next Your Associate Financial Planner (AFP) works directly with Dave and Elissa and is your first point of contact if you have any questions or concerns. After your Initial Meeting, your AFP will be following up with you to request documents we will need in preparation for your upcoming meetings. As your relationship with Yeske Buie continues, feel free to contact your AFP any time you would like to schedule a meeting, transfer money, ask questions about your portfolio, ask questions about your financial planning, investment, or tax reports, or ask questions about your financial plan or discuss new planning issues. In addition to our Financial Planning team, our Client Service team is always available to help you move money, prepare account paperwork, answer questions about accessing your Client Private Page®, and answer any questions about trades or margin. Click here to learn more about our Associate Financial Planners Click here to learn more about our Client Service Team

Back Next Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page ® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update

Back Next To provide you with tailored advice, we will need copies of all applicable documents listed below… Financial Life Planning surveys Financial Statements and Policies Most Recent State & Federal Tax Returns Bank, Brokerage, & Mutual Fund Statements Retirement Plan Statements (incl. Social Security) Mortgage/Loan Statements & Original Notices Paystubs List of Other Family Assets (Custodial Accts, etc.) Employee Benefit Booklets/Statements Homeowner’s & Auto Policies* Life, Disability, Medical and LTC Policies* Wills & Trusts Business Ownership Documents (Buy/Sell, etc.) *please bring the “declarations” + “premiums” page

20 Minute Client Private Page®
Introduction Back Next Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update

20 Minute Client Private Page®
Introduction Back Next As a Yeske Buie client, you will receive your own Client Private Page, a personal area on our website where you can view regular financial updates via a secure, encrypted connection. During this brief call, one of our client service members and your Associate Financial Planner will walk you through how to best use this page. To learn more about your Client Private Page, click here!

Discovery Meeting Back Next Discovery Initial Plan Presentation

Discovery Meeting Back Next Our planning engagement begins with our Discovery Process. This is where we learn about who you are and what really matters to you. Our goal is to establish a relationship based upon a thorough understanding of what’s important to you, as well as your financial situation and available resources. With a fuller understanding of your resources, opportunities, and vision, we apply the art and science of financial planning to develop Creative Strategies-Grounded Wisdom® that are based on grounded wisdom.

Back Next We use the following established financial planning tools as the foundation for the Creative Strategies-Grounded Wisdom® we bring to the process. Capitals Needs analysis Monte Carlo simulation Financial Planning Policies Safe Spending System We believe this holistic process engages individuals and empowers them to maximize their resources and live meaningful and purposeful lives and help fulfill Live Big® dreams.

Investment Philosophy
Webinar Back Next Initial Meeting Meet Your Associate Financial Planner Gather Additional Information 20 Minute Client Private Page® Introduction Analyze Your Financial Situation & Life Goals Investment Philosophy Webinar Set Up Your Accounts Invest All Funds Answer Any Questions, Requests, Updates, or Life Transitions Discovery Initial Plan Presentation Annual Update

Investment Philosophy
Webinar Back Next A link will be ed to you to watch Dave’s presentation of our Investment Philosophy. If you would like to learn more about our Investment Philosophy, click any of the links below (links will work if connected to the internet): Investment Philosophy Core Principles Investment Philosophy Webinar Investment Approach Economy and Investing Updates

Set Up Your Accounts Back Next Initial Plan Presentation Discovery

Set Up Your Accounts Back Next Once we receive statements (from within the past 60 days) for the accounts that you wish to transfer, a member of our client service team will send you password protected Schwab account paperwork to set up your accounts. You can return the paperwork to us using any of the four methods below: Scan a copy of your document and use the secure upload form (link will work if connected to the internet) Fax to (866) Via with your document included as a password-protected attachment Regular Mail Once your accounts are opened and transferred, you can monitor them via your Client Private Page® or Schwab’s website. A member of our client service team will send you instructions to give you online access to your accounts at Schwab after one monthly cycle.

Back Next The Initial Plan Presentation will involve a discussion around your current situation and an exploration of future possibilities. We will have generated reports using the information you provided in addition to what we learned during your Discovery Meeting. This will be further reviewed within the following realms: Financial Hygiene – Determine items to be dealt with right away to ensure you are adequately protected and prepared, especially with regard to insurance and estate planning. Aspirational – Discuss the lifestyle path of what is possible with what you have now and into the future.

Invest All Funds Back Next Initial Plan Presentation Discovery Initial

Invest All Funds Back Next Your money will be promptly invested according to your Investment Policy Statement (IPS). You can find a copy of your Investment Policy Statement under the Portfolio Reports tab of your Client Private Page®. We will invest your money strategically using one or both of the following methods: Directly - For your money that is currently invested in the market. Dollar Cost Averaging - We mitigate market risk by investing portions of your cash reserves each month over a period of time.

Answer Questions Back Next Initial Plan Presentation Discovery Initial

Answer Questions Back Next If at any point you have a question, a request, experience a major life event, or need anything from us, please do not hesitate to contact us via or phone. Our Virginia office is open from 9:00am-5:00pm Eastern Time Our San Francisco office is open from 9:00am-5:00pm Pacific Time Click here for our full contact information! When in doubt, or and one of our team members will be happy to assist you

Annual Update Cycle Back Next Annual Update Initial Plan Presentation

Annual Update Cycle Back Our Process, Your Journey Moving forward, we will meet annually, at a minimum, to discuss your financial path and the next best steps for you. Your Annual Update month will typically be the month that you have your Initial Plan Presentation. Your Associate Financial Planner will send you a request for updated information two months prior to your Annual Update month. If at any point you have questions or would like to schedule a meeting throughout the year, please do not hesitate to contact your Associate Financial Planner.

Frequently Asked Questions Click the boxes to learn more about each section
Home Operations (office info, client profile, billing, compensation) YeBu® Financial Planning (meeting timeline, ongoing relationship, financial plan) Schwab (custodian, deposits/ withdrawals, paperwork) Investments (philosophy, trading, reports)

Operations (Page 1 of 2) FAQ Page 2
Where do Elissa and Dave primarily work? Elissa and Dave travel between the Virginia and California offices on a regular basis throughout the year. They are very involved with the Financial Planning Association® (FPA®) and support the growth of the profession by attending seminars and conferences on a regular basis. How do you protect my information? We primarily store client information in our secure databases, the Schwab encrypted website, and the Salesforce security-protected website. Documents we receive are filed electronically then destroyed. Any documents kept as hard copies are locked in cabinets within our secure offices that have restricted after-hours access. We don’t share your financial information with non-Yeske Buie employees aside from Schwab without your permission. We don’t list any account numbers or sensitive information (SSN, DOB, etc.) on your Client Private Page® or in s (we list the last four digits of your account number if necessary). How do I get to your office? YeBu® (East Coast) – 301 Maple Avenue West, Suite 600, Vienna, VA 22180 YeBu® (West Coast) – 220 Montgomery Street, Suite 900, San Francisco, CA 94104 Who are Yeske Buie’s clients? a Our clients are successful people who want to explore life while making the most of their financial resources. By combining financial planning and investing in a truly grounded way, we help them explore life’s possibilities with confidence. How does Yeske Buie work with clients who are not local? Non-local clients get the same standard of financial planning and investment services we offer to local clients. We utilize our phone system and GoToMeeting to create a virtual meeting space, which enables us to meet just like we would in-person, but neither side is tied to a specific physical location. Does Yeske Buie have a minimum for investing new accounts? Our minimum for new accounts is $3 million in investable assets.

Operations (Page 2 of 2) FAQ Page 1
Does Yeske Buie have an agreement describing your compensation, services, privacy policy, and responsibilities? Yes, on our ADV II, Part A and B, Privacy Policy, and The Financial Planning Process – Responsibilities. How is Yeske Buie compensated and how is the compensation calculated? How often will my accounts be billed? Our wealth management services include both financial planning and the ongoing management of client investments. This integrated service is covered by a single fee, calculated as a percentage of invested assets. 1.00% per year on the first $5,000,000, plus 0.50% per year for amounts greater than $5,000,000 up to $10,000,000, plus 0.35% per year for amounts greater than $10,000,000 Fees are determined using account values at the end of the preceding quarter and are electronically deducted from the respective Schwab account. Does anyone from Yeske Buie receive compensation from investments you may recommend to me? Does anyone from Yeske Buie receive referral fees from other financial professionals such as attorneys, accountants, insurance professionals, or mortgage brokers? No, we do not receive commissions from investments we recommend to you nor do we receive referral fees when working with other financial professionals. We only receive fees paid by you that are billed to your Schwab account(s). Are Yeske Buie’s fees tax deductible? You may generally include our fees under the investment expenses section when itemizing your deductions on Schedule A. You should consult with your tax preparer regarding this. Does Yeske Buie have a business continuity plan in place? Yes. We have an outlined plan for what to do in the event of an emergency, death, or natural disaster. I still have a question about Yeske Buie. How can I get an answer? What happens if the person I contact is out of the office and I need something/need to talk to someone? We welcome you contacting us with any questions that may arise. You can contact our Financial Planning Team for planning and investment related questions. You can contact our Client Service Team for Schwab account information. When in doubt, just the team or call our office and we will make sure to get you to the right person.

Financial Planning (Page 1 of 2)
FAQ Financial Planning (Page 1 of 2) Page 2 What information do you need from me? Is it all necessary? Our Confidential Client Questionnaire, which you should have received with our initial information (please let us know if you need another copy), has a list of all of the information we need. The more we know, the better able we are to complete paperwork on your behalf, to determine what areas of your financial plan need to be addressed, and to make accurate decisions about the financial implications of a decision you are thinking about pursuing. What can I expect my meeting timeline to look like? Your exact meeting timeline will depend on your situation, availability, and preference for in-office or virtual meetings. The following is an example of what your meeting timeline may look like: 1st meeting – Initial Interview – Within one to two weeks after initial contact 2nd meeting – Discovery Meeting – Within two to four weeks after your Initial Interview 3rd meeting – Client Private Page® Intro via GoToMeeting – Within one to two weeks after your Discovery Meeting 4th meeting – Initial Plan Presentation – Within two to four weeks after your Discovery Meeting depending on the timing of gathering your relevant financial information Ongoing – Annual Update Meeting – Each year on your Annual Update month How long does the initial planning and implementation process typically take? This will depend on your situation including how readily you can gather your relevant financial information, the scheduling of meetings and the types of assets and accounts you are transferring. If you have a specific timeframe in mind, please share that with us so that we can discuss what will need to happen to meet that timeframe. How often will Yeske Buie meet with me after the initial planning process? We can schedule a meeting at any point, but we would prefer to meet at least on an annual basis.

Financial Planning (Page 2 of 2)
FAQ Financial Planning (Page 2 of 2) Page 1 Once my financial plan is completed, will my relationship with Yeske Buie end? No, we will continue to be your financial planner and to manage your investments on an ongoing basis. We will meet at least annually to review your finances, and speak or meet at any other time if you have anything to share or speak with us about. Does Yeske Buie provide a comprehensive analysis of my financial situation and any recommendations? Does Yeske Buie offer continuous, on-going advice regarding my financial situation and any issues that may arise during our relationship? Yes, we will provide a comprehensive analysis of your financial situation, the scope of which will be determined by your individual needs and the information you provide. We will continue to review your situation on an ongoing basis. What qualifications do you require of your financial planners? Each of our financial planners must have a Bachelor’s Degree, generally in financial planning, and must eventually achieve a Master’s Degree. All must become and remain in good standing as a Certified Financial Planner® licensee. All must remain in constant pursuit of excellence, learning and personal growth. Participation in our communities and in the financial planning profession is a positive obligation of employment as a Yeske Buie financial planner.

Schwab FAQ Who will take custody of, or have access to my assets?
Charles Schwab & Co. is the custodian we work with and they will take custody of the assets you transfer to our management. Why do you use Schwab? Of the many custodians available to us, Schwab offers, in our opinion, the best blend of security, safety, and low-cost features. How do I deposit/withdraw cash into/from my Schwab account? There are four ways to transfer cash into and out of your Schwab account(s): Check – Address the check to “Charles Schwab & Co. FBO Your Name/Account Name Account #XXXX-XXXX”. Mail the check(s) to either office and we will make sure it is deposited to Schwab and invested in a timely fashion. Wire – There is no fee for incoming wires at Schwab, but there is a $25 fee for outgoing wires. This will require paperwork, but can be processed same-day if received by 11am PT/2pm ET. MoneyLink® – This will take up to a week to set up initially, but once it is in place, we can make transfers between your Schwab accounts and outside bank accounts that will be processed within a day or two of your request. Cash deposit to a Schwab branch – Let us know if you plan to stop at a Schwab Bank branch so we can make sure the deposit is handled in a timely fashion. What is the average time it takes for paperwork to be completed? This will depend on the type of paperwork and when we receive it from you. Generally, paperwork such as a Change of Address form or a Wire Request form can be processed the same day if all the information is correct and we receive it in the earlier half of the day. MoneyLink® and IRA distribution forms will take a few days to process for the initial set-up. Paperwork that requires notarization and supporting documentation to be sent to Schwab via regular mail will take several days to a week to process.

Investments (Page 1 of 2) FAQ Page 2
What is Yeske Buie’s Investment Philosophy? (Links will work if connected to the internet.) Investment Philosophy Core Principles Investment Philosophy Webinar (this link will take a few minutes to load and will open an audio file that will require you to leave the User’s Manual slideshow view) Investment Approach Economy and Investing Updates Who picks the mutual funds in your portfolios and how often do they change? Elissa and Dave determine Yeske Buie’s investment strategy, which is based on Creative Strategies-Grounded Wisdom®. The Yeske Buie Financial Planning Team stays up-to-date with financial news on a daily basis, but the Yeske Buie Investment Philosophy is only modified if there is cause for a structural modification to the existing allocation. In other words, we do not time the market, but do we keep close watch for when there are compelling and fundamental reasons to make a change to Yeske Buie portfolios. What kind of returns should I expect from my portfolio? Our primary goal as financial planners is that you reach all of your goals, and your portfolio return will be a big part of helping you to do so. Yeske Buie portfolios have experienced very good returns, and we can discuss this further during a meeting. Will I have access to view my accounts and investments online? Yes, you may access your Schwab accounts online at and all of your portfolio and financial planning information via your Client Private Page® at (links will work if connected to the internet).

Investments (Page 2 of 2) FAQ Page 1
Will Yeske Buie inform me when you have made changes to my account? How will I keep up with the progress of my investments? Yes, you will receive a trade confirmation along with a report of the changes made anytime we make changes to your account(s). We will announce strategic investment changes via TheLiveBigWay* Digest, our electronic newsletter that is sent every other Friday morning. And your portfolio reports, including holdings and returns, are posted every month on your Client Private Page®. How often will I receive reports about my investments? Your Schwab statements are provided by Schwab every month. Your Portfolio Reports are updated by us on a monthly basis and posted to your Client Private Page. You will receive an from us when the latter set of reports has been posted (within the first few days of the month). How often does Yeske Buie review my personal accounts? We generally review our portfolios every other week, and are always tuned in to current news in case we need to review or adjust our overall strategy. How often will my accounts be traded? Your accounts will be traded based on the investment policies that apply to your portfolio, as outlined in your Investment Policy Statement and by our internal policies applicable to rebalancing, spending, and other policies that arise from time to time.

Investing with Yeske Buie Investing in the market on your own
YeBu® Investment Approach YeBu vs Benchmark Investments FAQ IMPORTANT DISCLOSURES Investment advisory services provided by Yeske Buie Inc. (“YeBu”), a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). Information contained in this report is for informational purposes only to provide details on the services of YeBu. Investment advice can only be provided after entering into an advisory relationship with YeBu. The information and data presented herein has been prepared on the basis of publicly available information, internally developed data or other third-party sources. The performance returns presented represent a composite of all client accounts managed during the respective time periods. Performance returns are presented net of all fees and expenses, which will vary based on the size of a client’s account(s) and the frequency of trading within a client’s account(s). Returns for a particular account may be higher or lower than the performance returns presented. The maximum investment advisory fee charged by YeBu is 1.00% annually. Investment advisory fees charged by YeBu are detailed in the YeBu Disclosure Brochure (Form ADV, Part 2A). There are risks inherent in investing, including the potential loss of principal. Past performance is not a guarantee of future results. Diversification does not guarantee against loss of principal. Performance information is as of the date indicated, and is subject to change. * The Blended Benchmark Index is a composite of the MSCI All Country World Index (“MSCI ACWI”) and the Citigroup World Government Bond Index. It is not possible to invest directly into an index. An index does not have fees and expenses as included in the performance returns of the Yeske Buie Composite Portfolio Return. For more information, please contact YeBu at (800) Investing with Yeske Buie Investing in the market on your own

Client Private Page® Client Private Page Live Big® Map
Your Client Private Page is a personal area on our website where you can view regular financial updates via a secure, encrypted connection. We will be posting monthly investment reports, supplemented from time-to-time by other information as circumstances dictate. We will also be posting periodic tax reports that you or your tax preparer can use for tax-planning purposes. Internet Explorer is the optimal web browser for accessing your Client Private Page. Your Client Private Page consists of five areas: Your home page, which contains updates and alerts and a message form The Planning Reports area that contains any planning reports we've uploaded The Portfolio Reports area, where you will find your monthly reports posted The Tax Reports area is where we post quarterly/annual tax reports and management fee reports The Resources area contains useful information for your review as well as the ability to upload documents to us securely. Please only upload commonly used file extensions (e.g. .pdf, .doc, .xls, etc.). You can move between these five areas using the links at the top of the page.

Client Private Page Intro
Your Client Private Page is a personal area on our website where you can view regular financial updates via a secure, encrypted connection. We will be posting monthly investment reports, supplemented from time-to-time by other information as circumstances dictate. We will also be posting periodic tax reports that you or your tax preparer can use for tax-planning purposes. Internet Explorer is the optimal web browser for accessing your Client Private Page. Your Client Private Page consists of five areas: Your home page, which contains updates and alerts and a message form The Planning Reports area that contains any planning reports we've uploaded The Portfolio Reports area, where you will find your monthly reports posted The Tax Reports area is where we post quarterly/annual tax reports and management fee reports The Resources area contains useful information for your review as well as the ability to upload documents to us securely. Please only upload commonly used file extensions (e.g. .pdf, .doc, .xls, etc.). You can move between these five areas using the links at the top of the page.

How to Send Us Information
Home You can send us financial documents using any of the methods described below: Scan a copy of your document and use the secure upload form (link will work if connected to the internet; link also available on your Client Private Page®, ‘Resources’ tab). Fax to (866) Via with your document included as a password-protected attachment* Regular Mail *When we send you documents that have sensitive information, we will make sure to password-protect the documents and we recommend you do the same, particularly for items like tax returns or Schwab forms. This password will be the same as for your Client Private Page. (If we have not set that up yet, a temporary password, which can be changed, will be set up and shared with you over the phone, or via a subsequent . Any such subsequent containing password information will be deleted from our “Sent” s folder and then permanently deleted from our “Deleted” items folder, and we suggest you do the same for your “Inbox” and “Deleted” items folder.)

Additional Resources (Links will work if connected to the internet)
Home YeBu.com Visit our website for more information about the firm, our philosophies, our services, our staff, and to log in to your Client Private Page®. TheLiveBigWay® Digest Every other Friday we send out the Digest via and post it to our website. This bimonthly newsletter communicates updates to our planning process/investment strategy, commentary on market news and other articles, and we share celebrations including firm news and events, and other fun pieces. Once we have your address, we will add you to the Digest subscription list. Social Media Like our Facebook Fan page and stay up-to-date on firm news and events. Follow us on Twitter to receive our daily quote. Follow us on LinkedIn for company and staff updates. And if you're not on Facebook or Twitter, you can see all our posts via the YeBu® Social Media Hub. Fall Open House in California and a Spring Open House in Virginia We welcome you and your family to attend as well as any relatives/friends you think would benefit from working with us. It is a great chance to meet the staff from both offices and to get to know Yeske Buie behind the scenes.

How to Get Help with Anything You Need Financial Planning and
Who to Contact Home How to Get Help with Anything You Need Call or click on any name below to send an individual Principals Elissa Buie, CFP® Dr. Dave Yeske, CFP® Financial Planning and Asset Management Team Client Service Team Operations Team Yusuf Abugideiri, CFP® Jennifer Hicks, CFP® Jennifer Micieli, CFP® Lauren Grove Summar Briede Dorothy Navales Cristin Etheredge, RP® Lauren Vitt, RP® Call or write members of the financial planning team if you have questions related to any of the following: Our financial planning or investment philosophy The state of the economy or financial markets Your financial plan or to discuss a new planning issue Your portfolio Understanding financial planning, investment, or tax reports Scheduling appointments the Team Call or write members of the client service team if you have questions related to the following: Moving money (e.g. deposits, withdrawals, transfers, checks) Account paperwork (e.g. new accounts, beneficiary changes) Questions about accessing your Client Private Page® Trading issues (e.g. questions about trades or margin) Call or write members of the operations team if you have questions related to the following: Prospective Clients Internship and Employment Opportunities Media Inquires YeBu (East Coast) 301 Maple Avenue West, Suite 600 Vienna, VA 22180 YeBu (West Coast) 220 Montgomery Street, Suite 900 San Francisco, CA 94104 YeBu Contact Numbers (all numbers ring both offices) Fax

Who to Contact Operations FAQ How to Get Help with Anything You Need Call or click on any name below to send an individual Principals Elissa Buie, CFP® Dr. Dave Yeske, CFP® Financial Planning and Asset Management Team Client Service Team Operations Team Yusuf Abugideiri, CFP® Jennifer Hicks, CFP® Jennifer Micieli, CFP® Lauren Grove Summar Briede Dorothy Navales Cristin Etheredge, RP® Lauren Vitt, RP® Call or write members of the financial planning team if you have questions related to any of the following: Our financial planning or investment philosophy The state of the economy or financial markets Your financial plan or to discuss a new planning issue Your portfolio Understanding financial planning, investment, or tax reports Scheduling appointments the Team Call or write members of the client service team if you have questions related to the following: Moving money (e.g. deposits, withdrawals, transfers, checks) Account paperwork (e.g. new accounts, beneficiary changes) Questions about accessing your Client Private Page® Trading issues (e.g. questions about trades or margin) Call or write members of the operations team if you have questions related to the following: Prospective Clients Internship and Employment Opportunities Media Inquires YeBu (East Coast) 301 Maple Avenue West, Suite 600 Vienna, VA 22180 YeBu (West Coast) 220 Montgomery Street, Suite 900 San Francisco, CA 94104 YeBu Contact Numbers (all numbers ring both offices) Fax

Who to Contact Answer Questions How to Get Help with Anything You Need Call or click on any name below to send an individual Principals Elissa Buie, CFP® Dr. Dave Yeske, CFP® Financial Planning and Asset Management Team Client Service Team Operations Team Yusuf Abugideiri, CFP® Jennifer Hicks, CFP® Jennifer Micieli, CFP® Lauren Grove Summar Briede Dorothy Navales Cristin Etheredge, RP® Lauren Vitt, RP® Call or write members of the financial planning team if you have questions related to any of the following: Our financial planning or investment philosophy The state of the economy or financial markets Your financial plan or to discuss a new planning issue Your portfolio Understanding financial planning, investment, or tax reports Scheduling appointments the Team Call or write members of the client service team if you have questions related to the following: Moving money (e.g. deposits, withdrawals, transfers, checks) Account paperwork (e.g. new accounts, beneficiary changes) Questions about accessing your Client Private Page® Trading issues (e.g. questions about trades or margin) Call or write members of the operations team if you have questions related to the following: Prospective Clients Internship and Employment Opportunities Media Inquires YeBu (East Coast) 301 Maple Avenue West, Suite 600 Vienna, VA 22180 YeBu (West Coast) 220 Montgomery Street, Suite 900 San Francisco, CA 94104 YeBu Contact Numbers (all numbers ring both offices) Fax

How Do I Make A Referral? Home
We are honored that you would like to refer a potential client to us. We value our relationship with you and take special care with the referrals you send to us. You do not have to worry about whether we meet the needs of your referral or whether they meet our minimums or need our particular services. Yeske Buie is committed to getting everyone connected to the financial planner who is right for them. We can help all referrals find a financial planning resource, even if it is not us, to fit their needs. To send us a referral, please ask them to contact Cristin Etheredge at or send the referral’s name, address, phone number, and a few sentences about why you made the referral to Cristin. Once we have this information, we will promptly contact your referral to gather information and set-up an initial meeting. If your referral becomes a client of Yeske Buie, we will let you know. We thank you for the continued trust you show in us by referring your friends, family, and colleagues to us so that we can help them to harness their financial resources to pursue exquisite, fulfilling lives.

Meet the Team Click the boxes to learn more about our team
Home The Yeske Buie Team Dr. David B. Yeske, CFP® Elissa Buie, CFP® Financial Planning Team Client Service and Operations Teams We’re Good People to Think With®

Dr. David B. Yeske, CFP® Meet the Team
Dr. David B. Yeske has been practicing financial planning since Dave is a past Chair of the Financial Planning Association (US). He has been quoted in national media including The Wall Street Journal, Business Week, Newsweek, The New York Times, USA Today, and San Francisco Chronicle. Dave has written feature articles for Research Magazine, San Francisco Magazine and The Journal of Retirement Planning. He has been published by The Journal of Financial Planning for “Policy-Based Financial Planning Provides Touchstone in a Turbulent World”, co-authored with Elissa Buie, CFP® in July 2006 and ”Evidence-Based Financial Planning: To Learn … Like a CFP“ in November Dave’s doctoral research, “Finding the Planning in Financial Planning”, was published in The Journal in September Dave contributed 13 chapters to the CFP Board’s “Financial Planning Competency Handbook,” published by John Wiley & Sons in April of 2013. A Professor at Golden Gate University’s Ageno School of Business, Dave co-instructs Cases in Financial Planning.

Elissa Buie, CFP® Meet the Team
Elissa Buie has been practicing financial planning since Elissa sits on the Board of Trustees of the Foundation for Financial Planning and is the Foundation’s current Chair. Named as a top advisor by the magazines Worth, Washingtonian, and Bloomberg Wealth Manager, Elissa has appeared on the Today Show, CNBC, CNNfn, NBC News, and McLaughlin One-in-One. Elissa has appeared in The Journal of Financial Planning several times; her article, “To Feel Like a CFP”, was published in July 2000, “Policy-Based Financial Planning Provides Touchstone in a Turbulent World”, co-authored with Dr. Dave Yeske, CFP appeared in July 2006, and their most recent collaboration, “Evidence-Based Financial Planning: To Learn Like a CFP®” was published in November Elissa contributed 17 chapters to the CFP Board’s “Financial Planning Competency Handbook,” published by John Wiley & Sons and available in 2013. A Professor at Golden Gate University’s Ageno School of Business, Elissa co-instructs Cases in Financial Planning.

The Yeske Buie Team Meet the Team

Financial Planning Team Click a picture to learn more about each team member
Meet the Team Jennifer Hicks, CFP® Financial Planner Jennifer Micieli, CFP ® Financial Planner Media Administrator Lauren Grove Assistant Financial Planner Yusuf Abugideiri, CFP® Financial Planner

Financial Planning Team Click a picture to learn more about each team member
Meet Your AFP Jennifer Hicks, CFP® Financial Planner Jennifer Micieli, CFP ® Financial Planner Media Administrator Lauren Grove Assistant Financial Planner Yusuf Abugideiri, CFP® Financial Planner

Client Service and Operations Teams Click a picture to learn more about each team member
Meet the Team Cristin Etheredge Operations Administrator Dorothy Navales Client Service Administrator Lauren Vitt Project Administrator Summar Briede Client Service Administrator

Client Service Team Click a picture to learn more about each team member
Meet Your AFP Dorothy Navales Client Service Administrator Summar Briede Client Service Administrator

We’re Good People to Think WithSM
… And We’re Good People to Think WithSM Meet the Team

We’re Good People to Laugh With!
Meet the Team We’re Good People to Laugh With! Back

Dr. David B. Yeske, CFP® The YeBu® Team
Dr. David B. Yeske has been practicing financial planning since Dave is a past Chair of the Financial Planning Association (US). He has been quoted in national media including The Wall Street Journal, Business Week, Newsweek, The New York Times, USA Today, and San Francisco Chronicle. Dave has written feature articles for Research Magazine, San Francisco Magazine and The Journal of Retirement Planning. He has been published by The Journal of Financial Planning for “Policy-Based Financial Planning Provides Touchstone in a Turbulent World”, co-authored with Elissa Buie, CFP® in July 2006 and ”Evidence-Based Financial Planning: To Learn … Like a CFP“ in November Dave’s doctoral research, “Finding the Planning in Financial Planning”, was published in The Journal in September Dave contributed 13 chapters to the CFP Board’s “Financial Planning Competency Handbook,” published by John Wiley & Sons in April of 2013. A Professor at Golden Gate University’s Ageno School of Business, Dave co-instructs Cases in Financial Planning.

Elissa Buie, CFP® The YeBu® Team
Elissa Buie has been practicing financial planning since Elissa sits on the Board of Trustees of the Foundation for Financial Planning and is the Foundation’s current Chair. Named as a top advisor by the magazines Worth, Washingtonian, and Bloomberg Wealth Manager, Elissa has appeared on the Today Show, CNBC, CNNfn, NBC News, and McLaughlin One-in-One. Elissa has appeared in The Journal of Financial Planning several times; her article, “To Feel Like a CFP”, was published in July 2000, “Policy-Based Financial Planning Provides Touchstone in a Turbulent World”, co-authored with Dr. Dave Yeske, CFP appeared in July 2006, and their most recent collaboration, “Evidence-Based Financial Planning: To Learn Like a CFP®” was published in November Elissa contributed 17 chapters to the CFP Board’s “Financial Planning Competency Handbook,” published by John Wiley & Sons and available in 2013. A Professor at Golden Gate University’s Ageno School of Business, Elissa co-instructs Cases in Financial Planning.

Cristin Etheredge The YeBu® Team
Cristin Etheredge earned a master’s degree in Corporate and Public Communication with an emphasis in Organizational Communication and Public Relations from the University of South Alabama. Previously she earned her bachelor’s degree in Marketing with minors in Management and Management Information Systems from the University of West Florida. Cristin has a certification in E-Commerce from the University of West Florida. Additionally, Cristin is a Registered ParaplannerSM from the College for Financial Planning. Prior to joining Yeske Buie, Cristin was a Human Resources Manager for Target Corporation and an Adjunct Instructor for the University of South Alabama. Cristin is a committed volunteer in her community and has set some personal Give Big goals for Outside of YeBu®, Cristin spends her free time soaking up the cultural brilliance of the Washington D.C. area, hiking, dancing and mastering creative cooking.

Dorothy Navales The YeBu® Team
Dorothy Navales did her undergraduate studies in the University of the Philippines College of Business Administration. Dorothy has over 15 years of experience in the financial services industry. Prior to joining Yeske Buie, Dorothy worked for Citigroup’s Institutional Investor Group, Shuman & Schneider, Wells Fargo Foreign Exchange Trading & Sales, and Union Bank of California’s Capital Markets division. In her spare time, Dorothy enjoys watching her daughter’s basketball games, community volunteer service, charity work, traveling, dancing, dining and spending time with friends and family.

Jennifer Hicks, CFP® The YeBu® Team
Jennifer Hicks, CFP® earned a B.S. in Finance from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program, as well as minors in both Global Business and Mathematics. Jen is a member of the Financial Planning Association® (FPA®) and the National Association of Personal Financial Advisors (NAPFA). She enjoys participating in the Financial Planning Day committee of FPA San Francisco. Jen also serves on the Pro Bono committee of FPA San Francisco, through which she had the opportunity to co-teach a class of 2nd and 3rd graders with Jennifer Micieli in conjunction with the non-profit organization Junior Achievement. She is a graduate of FPA’s Residency Program and engages with the next generation of financial planners through her membership in both FPA NexGen and NAPFA Genesis. After work, Jen enjoys playing and coaching volleyball, traveling, hiking, spending time with friends and family, and touring the beautiful city of San Francisco.

Jennifer Micieli, CFP® The YeBu® Team
Jennifer Micieli, CFP® holds a Bachelor of Science degree in Agricultural and Applied Economics with an option in Financial Planning from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program, with a minor in Business from the Pamplin College of Business. She started with Yeske Buie as an intern in the Virginia office in the summer of 2009 before being hired full-time in the fall of During the summer of 2010, Jennifer attended a four-week program at the London School of Journalism, earning a certificate in General Journalism. After completing her London studies, Jennifer traveled across the country to join Yeske Buie’s San Francisco office starting in the fall of Jennifer is currently a member of the Financial Planning Association ® (FPA®) and she serves as a Speaker Liaison on the FPA NorCal conference committee. Jennifer is also a member of the National Association of Personal Financial Advisors (NAPFA).Yeske Buie’s active involvement in the financial planning community has inspired her to increase her participation in furthering the profession. She has also served as a volunteer with Junior Achievement, a pro-bono organization that enlists financial professionals to visit a local elementary class to teach them about basic financial principles. In her free time, Jennifer enjoys writing, swimming, salsa dancing, traveling, volunteering in the community with her church, exploring San Francisco and the surrounding areas, and spending time with friends and family.

Lauren Grove The YeBu® Team
Lauren Grove earned an honors B.S. in Economics, summa cum laude, from Virginia Tech in May 2012. She earned her second honors bachelor’s degree in Finance, summa cum laude, from Virginia Tech’s CFP® Certification Education Track, a CFP Board-Registered program in December 2012. Lauren co-founded the Financial Planning Association (FPA®) Student Chapter at Virginia Tech and was the first president of the organization. In the first year of its existence, the chapter grew to over 70 students, making it the largest student chapter in the country. She handed off leadership after the first year, but loved staying involved and helping the chapter advance. She is also a member of Beta Gamma Sigma, an International Honor Society. In her free time, Lauren enjoys spending time with family and friends, horseback riding, playing sports, eating and learning how to cook delicious food, traveling and attending sporting events.

Lauren Vitt The YeBu® Team
Lauren Vitt earned a bachelor’s degree in International Studies: Business and Economics with a minor in Leadership from California University of Pennsylvania. Her leadership training was supplemented by the Seven Habits of Highly Effective People certification and Stephen Covey “Leader for Life” certification. At California University, Lauren served as an AmeriCorps Fellow and completed 300 hours of community service during her final year of school. She was also dedicated to her university’s Peer Mentoring program where she helped incoming, undecided students make the transition from high school to college. Lauren is a Registered ParaplannerSM. Her growing involvement in the firm has inspired her to further her knowledge of financial planning to better serve our clients. In her free time, she enjoys cooking, baking, indoor cycling, and spending time with friends and family.

Summar Briede The YeBu® Team
Summar Briede earned a Bachelor’s degree in Management Information Systems with a double minor in Economics and Computer Graphics Animation from George Mason University. Summar began her career in the financial services industry working for New York Life Insurance Company. Two years later she switched focus and joined Yeske Buie in their Virginia office. Summar will soon be starting classes to become a Registered ParaplannerSM. She is also exploring opportunities to advance her technology skills. In her free time, Summar enjoys playing videogames, reading, dancing, practicing her mixed martial arts, and spending time with friends.

Yusuf Abugideiri, CFP® The YeBu® Team
Yusuf Abugideiri, CFP® earned a B.S. in Finance from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program. He is currently pursuing an M.A. in Economics at George Mason University. Yusuf is a member of the Financial Planning Association® (FPA®) and the National Association of Personal Financial Advisors (NAPFA). He served on the Financial Planning Day committee through FPA’s National Capital Area chapter and is a member of FPA’s NexGen community. He is also a graduate of FPA’s Residency Program. Yusuf makes regular visits to Virginia Tech to speak to financial planning classes and assist students with their career development. In his free time, Yusuf enjoys watching sports and movies, working out, and spending time with friends and family.

Financial Planning Team
Jennifer Hicks, CFP® Financial Planning Team Jennifer Hicks, CFP® earned a B.S. in Finance from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program, as well as minors in both Global Business and Mathematics. Jen is a member of the Financial Planning Association® (FPA®) and the National Association of Personal Financial Advisors (NAPFA). She enjoys participating in the Financial Planning Day committee of FPA San Francisco. Jen also serves on the Pro Bono committee of FPA San Francisco, through which she had the opportunity to co-teach a class of 2nd and 3rd graders with Jennifer Micieli in conjunction with the non-profit organization Junior Achievement. She is a graduate of FPA’s Residency Program and engages with the next generation of financial planners through her membership in both FPA NexGen and NAPFA Genesis. After work, Jen enjoys playing and coaching volleyball, traveling, hiking, spending time with friends and family, and touring the beautiful city of San Francisco.

Jennifer Micieli, CFP® Financial Planning Team Jennifer Micieli, CFP® holds a Bachelor of Science degree in Agricultural and Applied Economics with an option in Financial Planning from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program, with a minor in Business from the Pamplin College of Business. She started with Yeske Buie as an intern in the Virginia office in the summer of 2009 before being hired full-time in the fall of During the summer of 2010, Jennifer attended a four-week program at the London School of Journalism, earning a certificate in General Journalism. After completing her London studies, Jennifer traveled across the country to join Yeske Buie’s San Francisco office starting in the fall of Jennifer is currently a member of the Financial Planning Association ® (FPA®) and she serves as a Speaker Liaison on the FPA NorCal conference committee. Jennifer is also a member of the National Association of Personal Financial Advisors (NAPFA).Yeske Buie’s active involvement in the financial planning community has inspired her to increase her participation in furthering the profession. She has also served as a volunteer with Junior Achievement, a pro-bono organization that enlists financial professionals to visit a local elementary class to teach them about basic financial principles. In her free time, Jennifer enjoys writing, swimming, salsa dancing, traveling, volunteering in the community with her church, exploring San Francisco and the surrounding areas, and spending time with friends and family.

Lauren Grove Financial Planning Team Lauren Grove earned an honors B.S. in Economics, summa cum laude, from Virginia Tech in May 2012. She earned her second honors bachelor’s degree in Finance, summa cum laude, from Virginia Tech’s CFP® Certification Education Track, a CFP Board-Registered program in December 2012. Lauren co-founded the Financial Planning Association (FPA®) Student Chapter at Virginia Tech and was the first president of the organization. In the first year of its existence, the chapter grew to over 70 students, making it the largest student chapter in the country. She handed off leadership after the first year, but loved staying involved and helping the chapter advance. She is also a member of Beta Gamma Sigma, an International Honor Society. In her free time, Lauren enjoys spending time with family and friends, horseback riding, playing sports, eating and learning how to cook delicious food, traveling and attending sporting events.

Yusuf Abugideiri, CFP® Financial Planning Team Yusuf Abugideiri, CFP® earned a B.S. in Finance from Virginia Tech’s CFP® Certification Education Track, a CFP® Board-Registered Program. He is currently pursuing an M.A. in Economics at George Mason University. Yusuf is a member of the Financial Planning Association® (FPA®) and the National Association of Personal Financial Advisors (NAPFA). He served on the Financial Planning Day committee through FPA’s National Capital Area chapter and is a member of FPA’s NexGen community. He is also a graduate of FPA’s Residency Program. Yusuf makes regular visits to Virginia Tech to speak to financial planning classes and assist students with their career development. In his free time, Yusuf enjoys watching sports and movies, working out, and spending time with friends and family.

Jennifer Hicks, CFP® Meet Your AFP

Jennifer Micieli, CFP® Meet Your AFP

Lauren Grove Meet Your AFP

Yusuf Abugideiri, CFP® Meet Your AFP

Client Service & Ops Teams
Cristin Etheredge Client Service & Ops Teams Cristin Etheredge earned a master’s degree in Corporate and Public Communication with an emphasis in Organizational Communication and Public Relations from the University of South Alabama. Previously she earned her bachelor’s degree in Marketing with minors in Management and Management Information Systems from the University of West Florida. Cristin has a certification in E-Commerce from the University of West Florida. Additionally, Cristin is a Registered ParaplannerSM from the College for Financial Planning. Prior to joining Yeske Buie, Cristin was a Human Resources Manager for Target Corporation and an Adjunct Instructor for the University of South Alabama. Cristin is a committed volunteer in her community and has set some personal Give Big goals for Outside of YeBu®, Cristin spends her free time soaking up the cultural brilliance of the Washington D.C. area, hiking, dancing and mastering creative cooking.

Dorothy Navales Client Service & Ops Teams Dorothy Navales did her undergraduate studies in the University of the Philippines College of Business Administration. Dorothy has over 15 years of experience in the financial services industry. Prior to joining Yeske Buie, Dorothy worked for Citigroup’s Institutional Investor Group, Shuman & Schneider, Wells Fargo Foreign Exchange Trading & Sales, and Union Bank of California’s Capital Markets division. In her spare time, Dorothy enjoys watching her daughter’s basketball games, community volunteer service, charity work, traveling, dancing, dining and spending time with friends and family.

Lauren Vitt Client Service & Ops Teams Lauren Vitt earned a bachelor’s degree in International Studies: Business and Economics with a minor in Leadership from California University of Pennsylvania. Her leadership training was supplemented by the Seven Habits of Highly Effective People certification and Stephen Covey “Leader for Life” certification. At California University, Lauren served as an AmeriCorps Fellow and completed 300 hours of community service during her final year of school. She was also dedicated to her university’s Peer Mentoring program where she helped incoming, undecided students make the transition from high school to college. Lauren is a Registered ParaplannerSM. Her growing involvement in the firm has inspired her to further her knowledge of financial planning to better serve our clients. In her free time, she enjoys cooking, baking, indoor cycling, and spending time with friends and family.

Summar Briede Client Service & Ops Teams Summar Briede earned a Bachelor’s degree in Management Information Systems with a double minor in Economics and Computer Graphics Animation from George Mason University. Summar began her career in the financial services industry working for New York Life Insurance Company. Two years later she switched focus and joined Yeske Buie in their Virginia office. Summar will soon be starting classes to become a Registered ParaplannerSM. She is also exploring opportunities to advance her technology skills. In her free time, Summar enjoys playing videogames, reading, dancing, practicing her mixed martial arts, and spending time with friends.

Cristin Etheredge Client Service & Ops Teams Cristin Etheredge earned a master’s degree in Corporate and Public Communication with an emphasis in Organizational Communication and Public Relations from the University of South Alabama. Previously she earned her bachelor’s degree in Marketing with minors in Management and Management Information Systems from the University of West Florida. Cristin has a certification in E-Commerce from the University of West Florida. Additionally, Cristin is a Registered ParaplannerSM from the College for Financial Planning. Prior to joining Yeske Buie, Cristin was a Human Resources Manager for Target Corporation and an Adjunct Instructor for the University of South Alabama. Cristin is a committed volunteer in her community and has set some personal Give Big goals for Outside of YeBu®, Cristin spends her free time soaking up the cultural brilliance of the Washington D.C. area, hiking, dancing and mastering creative cooking.

Dorothy Navales Client Service Team

Summar Briede Client Service Team

Dorothy Navales Client Service Team

Summar Briede Client Service Team

Yeske Buie User’s Manual

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Yeske Buie User’s Manual

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