Home Page

An Exciting Announcement

My commitment to you has always been to provide exceptional service, and it is with great pleasure that I announce a significant new enhancement to Froehlich Financial Group's relationships that I anticipate will benefit us all.

Froehlich Financial Group has been working with American Portfolios Financial Services and American Portfolio Advisors since 2005, however, as part of my business continuity plan, and to continue to provide the peace of mind that your financial plan will always have the support it deserves, I have decided to join the team at Novem Group a SEC-Registered Investment Advisor (RIA) based in Rochester NY, as well.

Robert Bartolotta is the CEO of Novem Group and was one of the founding members of American Portfolios Financial Services. Novem Group is also a standalone RIA, with a strong team of advisors, investment support staff, technology, and compliance staff, and I will gain the benefit of more backing to run my business operations, so I can focus my talents on helping you, my clients.

Merging the history of commitment to client service at Froehlich Financial Group with the support of the dedicated team at Novem Group is just one part of the plan to ensure the uninterrupted support for your financial plan that you expect and deserve.

As a result of the change, my firm Froehlich Financial Group will incorporate the Novem Group brand into our materials and website. I will continue to operate as Froehlich Financial Group, but this notice is the first step to introducing this new team approach.

Please note that this new affiliation does not change your investments or portfolio. There will be products and

services newly available through Novem Group that may benefit you, but those recommendations will be made as they always have been, at your normal reviews, after taking into account your particular risk tolerance, investment performance, cost, etc. There are no additional or new fees assessed to you because of this new affiliation, and any changes to advisory fees in the future will be communicated to you on Novem Group-branded letterhead.

I am excited for this new chapter for Froehlich Financial Group and encourage you to watch the attached video to start meeting the team.

As always, I welcome your questions. Do not hesitate to reach out, and I thank you for your continued confidence and trust.

Sincerely,

Tom Froehlich