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1 21243 Ventura Boulevard Suite 207 Woodland Hills, CA (818) Helping you build, protect and preserve wealth Managin ng Wealth in the 21 st Century Dear Prospective Client: Thank you for your interest in our comprehensive wealth management and financial planning services. Choosing the right financial advisor to address your ever-changing life priorities may be the single most important decision you make for you and your family s financial future. The quality and objectivity of the advice you receive will determine your success in meeting short and longlife term financial goals, your standard of living in retirement and your financial security late in when you need it the most. Your advisor s advice and influence will not only affect your family s lives, but also the lives of future generations. In today s fast-paced world, affluent individuals have a lot more to worry about than just their stock portfolios. In most cases, managing their financiall affairs involves a host of complex issues and requires expertise in areas like tax planning, risk management and insurance, asset allocation, investment management, estate planning and charitable giving. Traditionally, individuals with substantial wealth or complex financial affairs have looked to multiple professionals to meet specific financial needs. Some, like many of our entertainment industry clients, might also retain a businesss manager too oversee certain areas. But for most families, financial management has been strictly a do-it-yourself affair. Your Central Financial Coordinator Increasingly, affluent individuals are looking for a central financial coordinator and advisor to help them organize the various elements of their financial lives. In most cases, this involves effective coordination between the Central Financial Coordinator and your other advisors, including your CPA and estate planning attorney. In this report, you learn why our firm, Winer Wealth Management is uniquely qualified to be your central financial coordinator and advisor. Our approach to managing your wealth combines traditional investment-related services, such as asset allocation and portfolio management, with strategic guidance on the other aspects of your financial affairs such as insurance, retirement, tax and wealth transfer planning..

2 It s no secret that other financial professionals including accountants, financial planners, stockbrokers and insurance agents are competing for your business and hoping that you will hire them to become your family s central financial coordinator. This raises some critical questions: Do these professionals have the financial training, knowledge and experience to meet your personal wealth management needs? More specifically: 1. Are they a Fiduciary? As a fiduciary, we have a legal obligation to put your interests ahead of our own and disclose potential conflicts of interest. Stockbrokers and insurance agents who are not a Registered Investment Advisor (as we are) are not held to a fiduciary standard and not required to put your interests first. 2. Are they independent or do they work for firms that sell proprietary financial products. As an independent advisor, we are free to recommend whatever products, services and strategies we believe will best meet your needs and objectives. 3. Do they have the resources and financial experts to help you address the most complex legal, financial, tax or estate planning issues? We do. 4. Do they have effective risk-managed investment strategies designed to capture growth in rising markets and protect your capital during market declines and bear markets? Our Advance and Protect Investment Strategies can help you invest for retirement other financial goals with confidence, comfort and peace of mind. 5. Do they know and can they help you implement the secret wealth preservation strategies that the world s wealthiest families have used to build and preserve their wealth over generations, often income and estate tax-free? We do and we can. 6. Do they know the complex rules and tax laws surrounding IRAs and qualified retirement plans? We do. Advisors who don t often make critical mistakes and oversights that can cost you and your beneficiaries a fortune in excess, unnecessary taxes. 7. Do they know how to use the tax codes to help you minimize taxes and build multigenerational wealth? We do. 8. Do they have a Portfolio Stress Test TM to help you determine whether your investment portfolio will survive the next market meltdown? We do. With your family s money and financial future at stake, you need to choose your family s central financial coordinator and advisor with care. To help you, this report outlines some of the financial issues facing you and your family, and describes some of the components of an effective comprehensive wealth management program. The Financial Life Cycle Life is about change. So is wealth management. As you move through the stages of life, you face a succession of financial challenges. Some, like the need to prudently manage the relationship between investment risk and return, start early and never go away. Others, like estate planning, come later in life.

3 These changing goals and priorities can be summarized as a cycle with four broad stages: Wealth Accumulation. During this phase, individuals are primarily focused on acquiring the assets they are likely to need to meet their long-term financial goals including retirement. Wealth Preservation. As investors move into their peak earnings years, their financial focus may gradually shift from asset growth to risk management protecting their families and their portfolios from unexpected adversity or market volatility. This is where our Advance and Protect Investment Strategies can help. Wealth Utilization. At some point, most individuals will need to draw upon their accumulated resources to fund specific needs, such as college tuition costs or retirement expenses. As IRA and retirement distribution planning specialists, we know how to help you minimize taxes on distributions from your retirement plans and keep more of your hard-earned money. Wealth Transfer. Many, if not most, affluent individuals hope to leave a sizable legacy behind for their children, their grandchildren or their communities. We can help you do that in the most tax-efficient manner. It s important to note that the stages of the wealth management process overlap, and that the transition between each stage can be very gradual. This means that you and your advisors must address a constantly changing mix of new and old financial problems. Just to pick one example: Lengthening life expectancies, soaring medical costs and rising expectations for a comfortable standard of living all mean that even retired investors can t ignore the need to continue balancing current income with capital growth and risk management. Finding strategies to address these problems may require difficult trade-offs. You will need to decide, for example, what level of risk you are willing to accept in your efforts to achieve a given return objective. With some advisors, you may also have to choose between generating a high level of current income and a rate of capital growth sufficient to support a somewhat lower standard of living for a longer period of time. Our solution to this challenge is the combination of our Advance and Protect Investment Strategies to help you grow your wealth throughout retirement safely, comfortably and effectively and Long-Term Care Insurance to ensure that you won t outlive your retirement savings. Many of the choices you ll face will not be easy, and must be made within the context of a comprehensive wealth management strategy. The Wealth Management Model Many wealth management services are closely related, and may require different financial professionals to play multiple roles. For example, effective management of tax liabilities may span an entire range of financial services and require effective coordination between your CPA,

4 estate planning attorney and financial advisor. That s why so many individuals with substantial assets are looking for a quarterback someone who can play a lead role in coordinating their various financial needs with their other advisors, such as tax and legal advisors. This entails helping you plan a broad wealth strategy, recommending the products and services you ll need to execute your strategy, and helping you make intelligent financial decisions. The desire by affluent individuals and families for a central financial coordinator has caused a major shift in traditional financial relationships. The old model, where clients dealt separately with various financial providers, has given way to one in which a primary advisor is your main point of contact with your wealth management team. Putting the Pieces Together A strong financial relationship requires more than just a strong financial advisor. You need to feel confident that your primary wealth advisor has time, resources and expertise needed to create an effective wealth management strategy. This is where Winer Wealth Management can help you feel comfortable, confident and financially secure. Because we believe that your financial success and security begins with a well-defined wealth plan, our team of investment, insurance, retirement, tax and wealth transfer planning specialists are well equipped to analyze the various aspects of your financial situation and advise you on a prudent course of action your personalized Wealth Plan. Our wealth and financial planning services include: Personal Net-Worth Analysis. We may be able to identify ways to consolidate debt and improve your monthly cash flow. Asset Allocation. We can recommend a diversified asset allocation model and investment strategy tailored to your goals, tolerance for risk and other factors. Investment Management. With our proprietary risk-managed Advance and Protect Investment Strategies we can help you invest for retirement and other financial goals with confidence, comfort and peace of mind. Education Funding. We can analyze the projected future cost of your child s education and help you determine and implement the most appropriate funding strategy, including the use of Section 529 savings plans and other tax-favored vehicles. Retirement Planning. We ll help you clarify and prioritize your retirement objectives, assess your resources, expected returns and income needs; and calculate the probability of meeting your goals. We ll also help you develop and implement a plan to meet your retirement goals and ensure your comfort and financial security throughout retirement. Estate and Wealth Transfer Planning. We can help you see to it that a good part of the wealth you have accumulated is protected and distributed according to your wishes and in the most tax-efficient manner.

5 What Winer Wealth Management Can Offer You As stated previously, we believe that the key to your long-term financial success and security is having a disciplined, strategic long-term plan and an effective team of financial professionals to help you implement and monitor your plan. Our firm is committed to providing you the highest level of objective advice and expertise and the financial products, services and strategies needed to help you meet your multigenerational financial goals and ensure your family s financial security and independence. We measure our success by your success in meeting your life s goalss and enjoying life-long security and peace of mind. For more information or to schedule a complimentary financial consultation, please call us at (818) or visit us online at Sincerely, Rich Winer President and CEO Rich Winer President and CEO Winer Wealth Management, Inc Ventura Blvd., Suite 207 Woodland Hills, CA Phone: (818) Website:

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