Clients choose to have 5Gens manage their assets in order to obtain ongoing in-depth advice and succession planning. All aspects of the client's financial affairs are advised on. As goals and situations change over time, suggestions are made and implemented on an ongoing basis.

The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement includes: cash flow management; investment management (including performance reporting); education planning; retirement planning; estate planning, as well as the implementation of recommendations within each area.

The individual goals and objectives for each client as well as their particular financial situation are discussed at our initial meeting and are continually discussed at all future meetings. Our firm's investment goals and investment philosophy are also outlined in preliminary meetings and discussed in follow-up reviews. All of our clients agree to follow and accept our investment selection and philosophy including any changes in our investment philosophy, style and/or actual investments not previously discussed.

Nonetheless, clients may impose restrictions on investing in certain investments or types of securities. We would not generally invest in tobacco, gaming, arms, or other type of investments that, under the philosophy of 5Gens, should not receive funding from our clients.

Investments may also include: equities (stocks), corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, mutual funds shares, U. S. government securities, and interests in partnerships.

Although the Advisory Service Agreement is an ongoing agreement, the length of service to the client is at the client's discretion. The client or the investment advisor may terminate an Agreement at any time to the other by notifying the other party.