1. Lorence & Vander Zwart
Personal Client Services
Traditional Values. Common Sense. Good Stewardship

2. Lorence & Vander Zwart
OUR HISTORY
It’s trusted advice, it’s a lasting relationship, it’s the
way to prepare for all the significant stages of your life;
it’s the comprehensive financial planning & wealth
management of Lorence & Vander Zwart.
Since 1960 Lorence & Vander Zwart of Holland has
believed that taking the time to create a sound
financial plan is the foundation of being prepared for
life’s financial uncertainties and success.
The advisors of Lorence & Vander Zwart take the time
to listen to each client’s goals, fears, and concerns,
turning them into financial strategies that work for each
individual client. attorney, trusts where appropriate, and other
legal documents as recommended by their
From the very beginning, its founder, John J. Lorence attorney.
recognized the need for a comprehensive approach to
financial planning. Beginning by examining each Jim Lorence began working with his father in
clients current financial position, John developed a 1985 and has continued this comprehensive
plan that included not only a prudent investment financial planning strategy. The firm continued to
strategy but in conjunction with insurance and in grow and in 1994 Jim hired Ryan Vander Zwart
consideration of individual tax ramifications. He also who currently serves as Vice President. Lorence
insisted that his clients had updated wills, powers of & Vander Zwart also currently employs five full
MISSION & COMMITTMENT
Lorence & Vander Zwart works with a limited number We take our role as investment advisor with the
of individuals to establish a specific financial plan for greatest regard for your financial success and
the attainment and protection of wealth. We design with the utmost concern for confidentiality.
professionally managed investment portfolios and
provide continual proactive guidance for a retirement We must insist that our clients disclose all
without compromise to your lifestyle while pertinent financial information necessary to
accumulating the additional resources for a legacy to formulate a comprehensive financial plan and be
family, community, and charities of choice. willing to delegate the responsibility of selecting
investment managers, implementing investment
While we make a commitment to our clients to give strategies, and monitoring your progress to us.
“trusted advice throughout the significant stages of
life”, we also ask that our clients make a commitment We are here for those who want to develop a
to us. When a client understands the manner in lifetime relationship with a trusted advisor to
which we conduct business, we are able to work eliminate the need to handle your financial future
harder at achieving the best results for them financially. on your own. We commit to making ourselves
accessible to clients as we work to build this
Lorence & Vander Zwart assumes that you have relationship.
accumulated a portfolio of investments; including
retirement accounts and IRA’s or that you are Integrity is our firm’s greatest asset and we hold
committed to making investments each year to meet ourselves to a higher standard. We believe that
your financial goals. always doing what’s best for the client will allow
our firm to thrive and continue to build a lasting

3. Lorence & Vander Zwart
OUR TEAM
Jim Lorence is President of Lorence & Vander Zwart and has over
25 years in the financial services business. After receiving his
bachelors degree from Cornerstone University, Jim joined his father
in the securities business in 1985 and in 1990 received the
professional certification of CERTIFIED FINANCIAL PLANNER™. He
is co-founder of the award winning national independent broker
dealer, NEXT Financial Group, Inc. and served as a director of NEXT
from 1998 to 2006.
Jim has served as President/CEO and Senior Portfolio Counselor for
Lorence & Vander Zwart since the firm’s registration in 1992.
Jim and his wife Mary have three daughters and one granddaughter.
In his free time he enjoys preparing meals for family and friends and
hunting big game out West.
Ryan Vander Zwart has over 15 years in the financial services
business. Ryan received his B.A. in Accounting from Hope College in
1997. Ryan has earned his Series 7, 24, 51, 63 and 65 securities
licenses and is also licensed for Life and Health Insurances. Ryan
received the professional certification of CERTIFIED FINANCIAL
PLANNER™ in 1999.
Ryan currently serves as Vice President, Chief Compliance Officer,
and Portfolio Counselor for Lorence & Vander Zwart.
Ryan and his wife Amy live in Byron Center with their three children.
In rare moments of free time, he enjoys running and fishing for
Northern Pike and Walleye.
Nate Baumann serves as a Financial Professional for Lorence &
Vander Zwart. Nate holds a bachelors degree in Finance from Grand
Valley State University. In addition, he has earned his Series 7 and 66
licenses and is licensed for Life and Health Insurance. Nate uses his
training to create customized financial plans and investment alloca-
tions for Lorence & Vander Zwart clients. He values the independ-
ence and passion it takes to run a small business and shares the com-
mitment to personal and attentive customer service.
Nate lives with his wife Claire and daughter Lauren in Holland.
When he is away from the office he enjoys playing golf, watching
baseball, and reading.

4. Lorence & Vander Zwart
Julie DeVisser is the Operations Manager for Lorence & Vander
Zwart. Julie earned her bachelor’s degree in finance from Davenport
University in 2002. As the Operations Manager, Julie is responsible
for overseeing the
behind-the-scenes work that goes into processing business for our
clients, and the managing of client records. Julie has successfully
passed the Series 4, 7, 24, 51 and 66 exams. In her spare time, she
enjoys traveling, writing, digital photography and scrapbooking.
Steve Riemersma serves as the Research Coordinator & Head
Trader for LVZ Advisors. Steve is responsible for trading securities,
portfolio analysis, security analysis, and also spends much of his time
focusing on special
projects and performance reporting related to LVZ Advisors. Steve
previously worked at Johnson Controls in Holland for seven years be-
fore coming to Lorence & Vander Zwart. He and his wife Valerie live in
Allegan with their six children. As a family they enjoy hiking, camping
and playing games. When Steve can find spare time he enjoys playing
golf and softball, as well as reading and watching movies.
Lynn Ritsema is the Executive Assistant at Lorence & Vander
Zwart. Her primary responsibilities include providing administrative
support to the President and Vice President, and the implementation
of advertising and communication plans, event coordination and en-
suring quality in client
relations. Lynn lives in Hudsonville with her husband, Bruce, and
three daughters.

5. Lorence & Vander Zwart
OUR CONSULTANTS
Dr. Robert Genetski is one of the nation’s premier interest rate fore-
casters and investment advisors, providing insights to economic, fi-
nancial and investment matters through his own consulting firm.
Dr. Genetski has authored several books and numerous articles. He
Taking the Voodoo Out of Economics
A Na-
tion of Millionaires
scape in the 21st century.
During the course of his career Dr. Genetski has served as Senior
Vice President and Chief Economist for a major Midwest Banks and
has headed asset management, investment research, and investment
banking operations. Dr. Genetski earned his Ph.D. in economics
from and has taught economics at New York University and at the
University of Chicago's Graduate School of Business. He has served
on numerous Boards of Directors and writes a regular column for the
Nikkei Financial Daily’s leading business newspaper.
Matt Cornell, CFA
Professional Career:
· Chief Investment Strategist, Lorence & VanderZwart Since 2004
· Founder Bridge Street Investors - Since 2001
· Senior Portfolio Manager, State Bank of Fenton,Mi - 1998-2001
· Senior Investment Analyst, Sierra Investment Advisors
Los Angeles, California - 1992-1998
· Portfolio Manager, Hughes Aircraft Pension Fund, Manhattan
Beach, CA - 1986-1992
· Vice President Investments for Great Western Financial, Long
Beach, CA - 1986-1990
Education:
· Chartered Financial Analyst (CFA) 1995
· MBA Finance, California State University, Long Beach
· B.S. Civil Engineering, Michigan State University

6. Lorence & Vander Zwart
Wealth
Management
Services
Lorence & Vander Zwart provides its’ clients with professional investment management
services using individual stocks, ETF’s, bonds, mutual funds and deferred investment
products.
The Lorence & Vander Zwart management team is comprised of individuals with a strong
securities background and, most importantly, the experience of being financial advisors.
They understand what it’s like to work with clients on a daily basis; to develop and
implement sound investment strategies. We also employ individuals with extensive
research and analysis backgrounds to help provide you with better investment returns.
Risk
Management
Services
Lorence & Vander Zwart recommends the review and analysis of risks associated with
the successful continuation of their client financial plans. This often includes the
recommendation and analysis of income replacement insurance products such as life,
disability and long term care. As part of the ongoing maintenance and review Lorence
and Vander Zwart will provide appropriate alternatives in accordance with your Financial
Plan.

7. Lorence & Vander Zwart
Organization &
Coordination
Lorence & Vander Zwart utilizes the latest in technology to provide clients with accurate
and reliable information pertaining to their investment accounts. The following may be
made available to clients so they can stay informed between meetings.
- Internet Access to consolidated accounts
- Consolidated investment reporting
- Quarterly performance reports
Lorence & Vander Zwart believes that coordination with other professionals in their
client’s lives is paramount to the success of the financial plan. This may include regular
correspondence with the following:
- Certified Public Accountant or Accountant
- Estate Planning Attorney or Legal Advisor
- Bankers/Brokers
- Real Estate Professionals
- Insurance/Risk Advisors
Legacy Planning &
Specialized Gifting
Strategies
Lorence & Vander Zwart works with many clients to provide sophisticated legacy
planning. This can often include the funding of specialized Trusts through coordinated
efforts with the client’s legal advisors. Legacy planning can also be accomplished
through specific gifting of highly appreciated investments. The establishment of Donor
Advised Funds can significantly reduce capital gains tax while accomplishing the funding
of the client’s favorite charitable organization.

8. Lorence & Vander Zwart
Financial Plan
Development
Jim and Ryan believe that a formal, written and comprehensive financial plan designed
specifically for each client is foundation to future financial success much like a map is
necessary to navigate unfamiliar territory. Comprehensive financial planning includes the
analysis of the client's goals, all current assets including employer sponsored retirement
plans and personal property, liabilities, insurance, taxation, and estate planning.
Implementation, which may include new investment recommendations, is conditional on a
financial plan acceptable to both client and planner.
Expectations & New Client Timeline:
First Meeting: Introduction and data gathering
Time: 1 - 2 hours
Second Meeting: Review completed Financial Plan, discuss implementation or
consider plan revisions
Time: 1 - 2 hours
Third Meeting: Review Financial Plan and begin implementation or consider plan
revisions
Time: 1 - 2 hours
Future Meetings: Frequency will depend on the client’s needs and additionally on the

9. Lorence & Vander Zwart
Contact
Information
Address
Lorence & Vander Zwart
240 South River Avenue
Holland, MI 49423
Phone Fax Toll Free
616.394.4994 616.394.5986 800.851.7214
Web E-Mail
www.lvzadvisors.com info@lvzadvisors.com
Neither Lorence & Vander Zwart nor LVZ Advisors, Inc. is affiliated with any broker dealer who uses this brochure.