Cynthia Conger

Arkansas Financial Group

225 E. Markham Street, Suite 275

Heritage Center East

Little Rock, Arkansas 72201

501-376-9051

www.arfinancial.com

cindyc@arfinancial.com

Year practice began: 1985

Number of advisors in office: 4 planners, 1 paraplanner, 1 office manager

Number of clients: 162

Compensation method(s): Fee-only

Financial planning fees: Clients are charged for their initial plan based on the hours required to complete the plan. Every subsequent year, clients are charged an annual retainer fee equal to one-third of their initial planning fee

Fee for managing assets: A sliding scale starting at 0.9% on the first $100,000 down to 0.125% on anything over $3.2 million. The average asset management fee is approximately 0.5% per year.

Hourly fee: $150-$175

Client demographics: 40% are doctors, 25% are people living on investment income (retirees, widows, divorcees), and 10% are profit-sharing plans; the rest are architects, attorneys, and business owners. More than half are between the ages of 45 and 60, with the rest evenly split between the over-60 and under-45 age groups. Most reside in Arkansas or are former residents of the Little Rock area who have moved elsewhere.

Education: B.S. in accounting and MBA from University of Arkansas

Previous incarnations: Corporate accountant, insurance agent

Professional designation(s): CPA/PFS, CFP

Outside interests: Foreign travel, reading, knitting