1. Siligmueller & Norvid Wealth Advisors
586 Duane Street + Suite 202
Glen Ellyn IL 60137
www.siligmueller.com
Steve Norvid, CFA
Dale Siligmueller, CPA
Seek a Second Opinion on Your Finances and Investments
Whenever an important decision needs to be made, you often seek out the advice of another person. You get a
second opinion, several bids or competitive pricing. Why not do the same with your investments and financial
plan? Whether you’re a do-it-yourselfer or are working with a financial advisor, we’re ready to take a fresh look
at your finances. Siligmueller & Norvid Wealth Advisors will act as a sounding board and provide independent
unbiased advice. You can then have the freedom to act on our recommendations as you see fit. Most importantly,
you will have the peace of mind knowing that you have prudently considered the options.
Siligmueller & Norvid Wealth Advisors has provided financial planning and investment management
services since 1998 to high net worth individuals and families. We currently manage $116 million for 75 clients.
We are an independent Registered Investment Advisor (“RIA”) and embrace our role as a fiduciary that’s legally
required to always act in your best interests. We work primarily with Charles Schwab & Co. as the third party
custodian for all investments and receive their institutional pricing.
Our investment philosophy is founded in risk management, seeking to grow and protect wealth. Financial
planning issues addressed include retirement goals, college funding, and insurance needs. As we work with fewer
clients than most large banks or other brokers, we’re able to customize your plan and investment portfolio. We
charge an all-inclusive asset-based fee that starts at 0.75%, lower than many other financial advisors.
Below are examples of issues and advice provided to our clients:
 Bob, in his late 50’s, was given an early retirement package by his employer. He wasn’t sure whether to
take the annuity or lump sum option. After reviewing his options in the context of his other investments,
we helped him select an appropriate combination of annuity income and lump-sum to invest for growth.
We consolidated his accounts, transitioned to an appropriate investment mix and substantially lowered his
costs for investments and advisory fees. We also helped Bob assess his career transition alternatives.
 Susan was recently divorced and her husband had handled the financial issues for their family. She was
very worried about her finances and was concerned that she might need to sell her home. We were able to
consolidate her accounts, develop a budget for income and expenses, and create a long-term plan that
showed her that she could remain in her home and maintain her lifestyle.
 Bill and Mary were in their early 60’s and ready to retire. Both had IRA and 401k accounts, and planned
to start taking social security as soon as they retired. After we developed a retirement income plan
employing modelling techniques, they learned that it would be better to delay taking social security using
a “file and suspend” strategy and instead take larger withdrawals from their IRA accounts until social
security was elected.
These are just a few examples of the benefit of a second opinion. To set up an appointment or for more
information, please contact Steve Norvid (snorvid@siligmueller.com) at 630-793-9642.