SammutWealth.com

Welcome to Sammut Wealth Management.

We deliver digital financial planning services to entrepreneurs, executives and families who have significant demands on their time and seek a “Total Approach” to personal financial management.

Our process goes beyond financial statements or the daily fluctuations of the stock market. Working on a consulting basis, we aggregate your entire net-worth and cash flow statement for real-time access. We collaborate with your trusted advisors online. We have over two decades of experience working with clients like you.

We believe your financial information should be organized, up to date, easy to understand and accessible to you whenever you want, from wherever you are.

We provide total financial oversight in real-time.

Our consulting process provides clarity and saves you time.

We start by organizing your complete financial picture on a private and secure financial website. We analyze where you are relative to your objectives, and we evaluate scenarios that may impact the achievement of your goals.

We help you implement recommendations, either in-house or through programs outside our custody. And we continuously monitor your complete financial situation to ensure you remain on track.

As a fiduciary, we are obligated to act in your best interest.

We aggregate your entire balance sheet for a 360⚬ view.

COMPLETE FINANCIAL PICTUREWe link all your financial accounts for a complete and up-to-date view of your financial situation. Our analysis and recommendations are comprehensive and reflect current market conditions.

DEEPER UNDERSTANDING, BETTER RECOMMENDATIONSOur 360⚬ view of your financial world can help improve overall performance, minimize the impact of debt and taxes and save you valuable time. With your goals as the centerpiece of our process, we provide you financial reports that clearly illustrate where you are now and how our recommendations can help you reach your goals.

MONITOR PROGRESSWith a daily snapshot of your progress, we can alert and remind you of financial factors that may impact your ability to achieve your goals. This relieves you of organizational burden, allowing you to focus your energies on what matters most in your life.

INCREASED COLLABORATIONOur wealth management system provides both you and your team with a secure view of your financial progress. We can collaborate with you online at anytime, no matter where you are.

A single access point for your entire financial landscape.

PERSONAL FINANCIAL DASHBOARD

Your Personal Financial Website serves as a secure, up-to-date window into your entire financial world – accessible to you at anytime from anywhere with an internet connection or mobile device. Unlike online banking, online shopping or bill pay, our system is non-transactional.

John is the Founder and President of Sammut Wealth Management. He specializes in wealth consulting for executives, entrepreneurs, CPAs and attorneys who desire integrated financial oversight delivered in real-time.

John Sammut, Presidentjohn@sammutwealth.com

John began his investment career in 1995 as a financial advisor with Dean Witter in Baltimore, Maryland where he developed a client roster focusing on bank directors and business owners. In 1999, after he and his wife Erin returned to their hometown of Skaneateles, New York, John joined the Syracuse office of Morgan Stanley where he was an early user of exchange-traded funds in designing custom client portfolios managed on a fee basis.

In 2005, John moved his business to RBC Wealth Management, a subsidiary of Royal Bank of Canada, where he specialized in wealth planning, investment policy and discretionary portfolio management. While with RBC, he earned the Accredited Wealth Manager (AWM) designation, an advanced certification program offered through a collaboration between RBC and the Estate and Wealth Institute of Michigan State University. The four month curriculum focused on advanced wealth strategies including asset protection, trusts and estates, and executive financial planning.

With nearly two decades of experience and a desire to offer more integrated client solutions on a consulting basis, John founded Sammut Wealth Management in 2014. The firm serves private clients, families and their team of tax, estate, insurance and real estate advisors. Working as an outsourced "Virtual CFO", SWM delivers personalized, comprehensive digital financial planning services for entrepreneurs and executives who have significant demands on their time and seek a "total approach" to personal financial management. Since inception, the firm has invested substantially in technology to enhance efficiency of operations and client service.

Sammut Wealth Management has also aligned with world-class partners who assist in providing an exceptional client experience. Commonwealth Financial Network®, the nation's largest privately held independent broker-dealer, provides back-office, technology, compliance and trading support in addition to valuable resources in the areas of advanced wealth planning and fiduciary oversight.

John has earned the Accredited Investment Fiduciary® Designation (AIF®) from the Center for Fiduciary Studies. A fiduciary is any investment professional or financial advisor who is required by law to act solely in the best interest of the client. The AIF® designation represents specialized knowledge of fiduciary responsibilities and a strict adherence to a client code of ethics:

• Act with honesty and integrity and avoid conflicts of interest, real or perceived.• Ensure the timely and understandable disclosure of relevant information that is

accurate, complete, and objective.• Be responsible when determining the value of my services and my form of

compensation; taking into consideration the time, skill, experience, and special circumstances involved in providing my services.

• Know the limits of my expertise, and refer my clients to colleagues and/or other professionals in connection with issues beyond my knowledge and skills.

• Respect the confidentiality of information acquired in the course of my work, and not disclose such information to others, except when authorized or otherwise legally obligated to do so.

• Not exploit any relationship or responsibility that has been entrusted to me.

John serves on the eMoney Advisory Board and is current Treasurer of the Finger Lakes Chapter of the Antique and Classic Boat Society. He is also a member of the Skaneateles Country Club and Phi Gamma Delta Fraternity.

A 1992 graduate of Gettysburg College, John earned a BA in Management with a minor in English literature. He is also a graduate of the Hotchkiss School in Lakeville, CT.

Outside of the office, he enjoys running, fishing, reading, photography and travel. He is also a bit of a music enthusiast. For a number of years, he played guitar for a local cover band, but after too many late nights (and Monday mornings that came way too early) he retired to focus on family, clients and his career.

Born and raised in Central New York, John lives in Skaneateles with his wife Erin and their dog Max.

John Sammut, AIF®Sammut Wealth Management LLC

1391 East Genesee Street, PO Box 267Skaneateles, NY 13152

Tel 315.217.5000john@sammutwealth.comwww.SammutWealth.com

Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered through CES Insurance Agency.