The Arkansas Financial Group, Inc.

• Collaborative Delegator: We understand that our clients prefer to use their spare time doing something they enjoy rather than researching investment options or actively managing the tax impact of their past and possible future actions. From a governance standpoint, our clients collaborate on the formulation and selection of their investment policies, they oversee our actions as they receive reports both from us and from independent third-parties, and they keep us up-to-date as changes occur in their lives. Ultimately, they are the C.E.O. of their financial affairs and we are their executive staff. Our relationship is open, collegial, and intimate in a professional manner.

• Disciplined Spender: One of our major roles focuses on providing our clients with extreme clarity about their spending patterns and the way these impact their long-term financial statuses. Few people are "disciplined spenders" by nature. Our role is to help you move in that direction. Over the years, we have used a number of cash flow techniques that help clients shape their spending patterns to modify their behavior in a way that allows the achievement of financial outcomes they desire.

• Realistic Investor: There are many pressures from outside sources such as advertisements, newspaper articles, and the internet that encourage speculating, rather than investing. Our role is to help you understand the realistic relationship between risk and return and to follow a sound process for investing. Our clients generally understand that markets operate in random cycles and can be difficult to predict. They understand that "buy low, sell high" consistently outperforms following the emotion of buying securities that have run up, and selling investments simply because they have declined in value.