Table of Contents. WELCOME: Letter from Marty Blazer THE BIA TEAM: Office Directory HOW WE DO IT: BIA Client Model...
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2 Table of Contents WELCOME: Letter from Marty Blazer... 3 THE BIA TEAM: Office Directory... 5 HOW WE DO IT: BIA Client Model... 6 BIA: We Know Athletes... 7 PASS Plan: The Xs and Os... 7 BREAKING IT DOWN: Tier I... 8 BREAKING IT DOWN: Tier BREAKING IT DOWN: Tier TECH & PDA: emoney Overview...11 P&C Overview: Tying it all together...12 Appendices: Data...13
3 INTRO STATS Welcome to Blazer Investment Advisors Thank you for choosing us as your trusted personal advisor for your investment and cash management needs. We look forward to working with you to continually add detail and refine your Professional Athlete Savings Strategy, what we call our PASS Plan. PASS is a savings and investment plan geared to meet the unique liquidity needs of professional athletes and entertainers that addresses the sometimes very limited earning window of these professionals. This guide will lay out some of the initial details and provide you with a playbook to fall back on to review the layout of your customized PASS Plan. Based upon the information you provided us in your FactFinder we have compiled the following strategy that, over time, will guide you from your initial contract to your next career and provide you with the infrastructure to protect and growth your wealth over time. We look forward to working with you to meet your goals and thanks again for placing your trust in the entire team at BIA. Sincerely, LBlazer L. Martin Marty Blazer III CEO, NFLPA Certified Financial Advisor FPO 3
4 INTRO STATS Office Directory L. Martin Blazer III W: CEO, Managing Partner C: E: James E. Grefenstette, CFA W: CIO, Managing Partner C: E: Eric J. Glassbrenner, IAR C: VP, Retirement and Protection E: Robert Wilson W: VP, Financial Services Advisor C: E: Blazer Investment Advisors and Blazer Capital Management 2835 East Carson Street. Building One, Suite 209. Pittsburgh, PA P: F: E: 4
5 BIA Knows Athletes: Hockey INTRO STATS No other sport can match the intense combination you ve needed to excel in Hockey your power and athletic ability also has to out-maneuver slashing sticks, flying pucks and metal blades. Less than one in every 1,000 high school players displays your skills those worthy enough to be drafted by an NHL team*. But raw skills are only the beginning. Learned craftiness is surely a key reason why professional hockey has the longest average career of the four major American sports 5 years*. Compared to other major sports, however, the average salaries have been comparatively low. Fortunately, the minimum salary was raised to $450,000 for the season. While a $270,000 minimum increase may seem like the money is finally rolling in, have you thought of how long that money will last once you step off of the ice? The right financial planning now is critical to your family s long-range financial future. We can help you explore your options and develop the financial plan that best suits your needs. *NCAA Research Study: Probability of Competing past High School (ncaa.org) 5
6 Strategies Designed to Fit the Needs of Professional Athletes INTRO STATS Right now, it may seem that you have the future well in hand, but if you start doing the math on how many years you ll face in retirement (possibly 50 years or more), you may realize that your money could run out a lot faster than you had planned. There are three key areas that all professional athletes should be concerned with: Guaranteed Income Income to Enjoy Life Income that can Grow for the Future Guaranteed Income Up until now, risk-taking has been a way of life that s how you ve achieved the upper level of success in your sport. But once you start thinking about your family s well-being, you may not be comfortable with risk. You want to know that your family will always have their living expenses paid. The stock market offers no guarantees. You need to ensure a steady income for the rest of your life. Retirement is not a time to worry, it should be a time to enjoy. Income to Enjoy Life Now that you achieved the financial success you always dreamed of, you re not looking at retirement as a time to sit back and relax. Retirement is when you ll finally have the chance to enjoy life and do all of the things that you and your family have dreamed about. When planning, it s important to look ahead at what those dreams will cost in the future. Even if you were to maintain a steady paycheck based on your current spending, the average living expenses could increase by more than 184% over the next 25 years*. Can you imagine how much your above average lifestyle might increase? You should consider how to protect and maintain your current lifestyle throughout your retirement years. Income that can Grow for the Future Most athletes achieve their success by being aggressive and taking risks on the field. Some continue that way of thinking into their retirement planning. They want to grow their hard-earned income through business, real estate and stock investments. However, while risk-taking was rewarded in sports, you can quickly lose money in the financial world. Likewise, not investing at all or investing too conservatively will not return the type of growth that you would like to achieve. There may be room for all types of investments in your portfolio, but take care to balance your growth and income needs through wise planning. 6
7 What Does Retirement Look Like After Your Hockey Career? INTRO STATS According to the NHL Collective Bargaining Agreement, you need to play at least 160 games to become eligible for the League Pension Plan, which can begin paying you $8,000 per year when you are 45. If you are fortunate enough to play far beyond the average and play for 10 years, not counting any playoffs, you can receive $37,000 per year after you turn 55. Will you be financially prepared between now and when you turn 55? Will that be enough to meet your needs at that time? YOUR CURRENT EARNINGS POTENTIAL: If you take a look at the chart below, you ll see that with the right planning and experienced help, your income can continue to grow, long after your hockey career has ended. MAKE SURE YOUR RETIREMENT GAME PLAN INCLUES: 7 Retirement Resources Blazer would like to do whatever we can to help you, along with your agent and other advisors, plan your family s future security. As an added service, we ve compiled some helpful resources with the type of valuable information that you may need to plan your retirement from your professional hockey career:
8 TIER 1 BCM Services, Cash flow Management and Budgeting 9
9 TIER 2 Traditional Investments Strategic Planning We evaluate each client s needs and preferences by determining spending and lifestyle requirements, anticipated large capital expenditures, philanthropic interests and desire for generational wealth transfer. Strategic Asset Allocation Our process balances investment opportunities across geographies and among a wide range of asset classes. We employ an approach to asset allocation based on a robust quantitative framework that measures the trade-offs between risk and return. This enables us to provide the appropriate level of portfolio diversification. Throughout the year, we may recommend tactical shifts within a portfolio in order to capitalize on current investment opportunities. Portfolio Construction and Rebalancing We develop a thoughtful, step-wise plan to implement the asset allocation best suited to a client s needs. Taking into account current market conditions and economic trends, we review each client s portfolio on an ongoing basis and evaluate possible adjustments. Administration and implementation of innovative wealth-transfer structures Unique investment vehicles, where appropriate Open architecture for separate accounts (i.e. the ability to offer and monitor non Blazer asset management, where appropriate) 10
10 TIER 2 While a number of financial services firms have calculators and traditional plan capabilities online, BIA has gone the extra step by providing BMoney Anywhere an up to date mobile client financial snapshot for clients directly to many popular PDAs. BMoney Anywhere provides customers with continuous account updates and reminders. 11 DIRECT ACCESS!
11 TIER 3 Long Term Investments Insurance and Advanced Planning Strategies 12 FPO
12 Appendices Forms and other items of interest Copy of Completed Fact Finder Copy of Insurance Application(s) Copies of any new account paperwork, L.P.s, annuity applications BCM Property & Casualty Overview TIER 3 13
13 High Quality Solution Providers We choose to work with some of the most reputable companies in the industry to help you meet your goals. 14 Founded in 1810, The Hartford Financial Services Group, Inc. (NYSE: HIG) is one of the largest insurance and investment companies based in the United States, with offices in the United States, Japan, the United Kingdom, Canada, Brazil and Ireland. The Hartford is a leading provider of life insurance, group and employee benefits, automobile and homeowners insurance and business insurance - as well as investment products, annuities, mutual funds, and college savings plans. The Hartford serves millions of customers worldwide - including individuals, institutions, and businesses - through independent agents and brokers, financial institutions, and online. After nearly 200 years in business, The Hartford is known for its superior customer service and continued operational excellence. FPO Since writing our first policy in 1871 as The Life Insurance Company of Virginia, we ve been committed to helping people effectively protect and achieve the comfort of financial security. Today, even in this challenging environment, Genworth Financial is strategically focused and positioned to provide the stability, confidence and support our policyholders, customers and distributors can rely on now and in the future. We are a publicly traded global financial security company with more than $100 billion in assets and a presence in more than 25 countries. We re recognized in Standard & Poor s 500 Index of Leading U.S. companies and ranked in the Fortune 500. Working with our distribution partners, we help people at key stages in their life through a wide-array of innovative products and financial services. From protecting and growing retirement income, to creating security through life, long term care and Medicare supplement insurance, to wealth management offerings and financial advisory services, to providing a safer, more secure path to homeownership, Genworth will be here to help provide financial security solutions. additional stats
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