LIBERTY ADVISORY GROUP, INC
PONTE VEDRA BEACH, FLORIDA

OUR MISSION At Liberty Advisory Group our mission is to help preserve and protect our clients’ assets to help them feel more confident in their retirement future. Our goal is to help our clients avoid unnecessary taxes and build assets for their retirement future. Liberty Advisory Group will work with you to customize a strategy to help meet your long-term goals and needs. We are committed to maintaining the highest standards of integrity and professionalism in our relationship to you, our client. We get to know and understand your financial situation and provide you with only the highest quality information, services, and products to help you reach your goal. An active financial consultant as well as founder of Liberty Advisory Group, Peter Laliberte has spent his entire career--more than 25 years--in financial services. Peter has served in the public and private sector as a chief financial officer in the past, including the American Red Cross where is still an active volunteer, but he has been a self-employed entrepreneur since 1996. Peter draws on all of his professional as well as personal experiences to help his company’s clients. money ever again,” says Peter. “I watched what happened to my parents who didn’t have a plan in place, and that’s why I am in this business—to make sure it never happens to anyone else.” Laliberte holds a master’s degree in business and education from Cambridge College, but in his opinion, he never stops learning. “We are always trying to get better at what we do. For instance, I am part of a mentoring group, acting as both mentor and mentee, where we meet often, sharing ideas and concepts with the goal of continually learning to be better at what we do.”  He is also a licensed insurance agent giving him the ability to use retirement tools, such as the Bucket Plan®, holistic planning and a host of other tools that are specifically designed for your retirement needs. Most importantly to him, Peter has been married to the love of his life Tonie since 1995. Peter and Tonie, who is also a financial consultant, have three children: Spencer, Kurtis, and Blake. The family has lived in Ponte Vedra Beach for 20 years and they are all active members of Christ Episcopal Church. They enjoy many beach activities and deep sea fishing together. Peter says, “Our shared mission is to make a positive difference in the lives of everyone we meet. We operate under the 5 “F’s” rule: Family, Faith, Finance, Fitness, and Fun. If you have your 5 “F’s” in order you’ve got it made!” VICE-PRESIDENT OF BUSINESS DEVELOPMENT AND CLIENT RELATIONS Tonie Laliberte is Vice-President of Business Development and Client Relations. She holds a Bachelor’s degree in business administration from Lesley University, Cambridge MA. Being fully licensed, Tonie is dedicated to assisting clients with their college funding needs. Tonie has over 25 years business management experience and considers providing an unprecedented customer service experience her specialty. Sherlene is an accountant who has over 17 years of experience in both the private and public sectors. In 1998, she received her Bachelor’s Degree, majoring in Accounting from Florida Atlantic University (FAU). During her professional career, she has held positions as an internal auditor, credit analysis, budget analysis, senior accountant and inventory accountant. She has worked for several public accounting firms where she prepared financial statements and tax returns for clients in diverse industries. In 2004, Sherlene started her own business offering tax preparation, accounting and various business services, tailored to meet the needs of individuals as well as home-based business owners. This year Sherlene has decided to join our team and brings a wealth of expertise with her. Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Liberty Advisory Group and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Liberty Advisory Group and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors. WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement. There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.