Blakeway & Associates. Wealth Management

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Blakeway & Associates. Wealth Management"

Transcription

1 Blakeway & Associates Wealth Management

2 We are committed to Addressing Many Aspects of Your Financial Life. Blakeway & Associates offers clients and their families big picture thinking in a consultative and highly individualized way. Our team can give you access to the investment insights of Merrill Lynch and the banking convenience of Bank of America. Every day, we take pride in using our financial resources and intellectual capital to help clients pursue their goals. We are prouder still that we deliver these extensive resources to you with the personalized, one-on-one attention you deserve. To us, wealth management is only in part about global capabilities; it is more about how we deliver our experience and those capabilities to you on a personal, individualized level. Working together and targeting your financial hopes, needs and interests, we can help you and your parents, children, grandchildren and future generations find wealth management strategies designed to make a real difference in your life. Call or us for further information: Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and Member SIPC, and other subsidiaries of Bank of America Corporation (BofA Corp.). Trust and fiduciary services are provided by U.S. Trust Company, a division of Bank of America, N.A., Member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency. Banking products are provided by Bank of America, N.A., Member FDIC and a wholly owned subsidiary of BofA Corp. Bank of America, N.A., and Merrill Lynch Life Agency Inc. are wholly owned subsidiaries of BofA Corp. Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity MLPF&S and Bank of America, N.A., make available investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp. or in which BofA Corp. has a substantial economic interest.

3 When you work with Lynette Blakeway (on right) and Kimberly Clellan, you receive their experience and dedication. Our philosophy is that a client s uniquely individual circumstances, needs and preferences drive the wealth management process. My many years of working with clients have allowed me to finetune the process I use to deliver personal, customized strategies. First I learn as much as possible about you. I listen. Only when I understand what s most important to you, will I be able to recommend investment strategies. Lynette L. Blakeway Senior Vice President Wealth Management Wealth Management Advisor Portfolio Manager 3

4 A Defined, Disciplined, Personalized Approach to Wealth Management Wealth management issues of today can be more complicated than ever. Charting strategies to deal with them is equally complicated, but essential. We are true believers that to be effective over the long term, strategies have to be personalized and customized. We rely on the Merrill Lynch wealth management process, which we use first to comprehend your goals, objectives and vision of your financial future. With that information, we help you: Identify personal and professional financial goals, so we can help you to lay the groundwork for a strategy that is designed to help pursue your long-term objectives Seek financial strategies and the asset allocation crucial to pursuing your investment objectives within your preferred risk tolerance, liquidity needs and time horizon Develop a solid diversification strategy to help manage risk and reduce vulnerability to market fluctuations Stay on target toward your financial goals by monitoring the investment process Determine which products and services may be to your financial advantage Elements of your financial life should work together We offer a broad array of wealth management strategies that go beyond selecting a few stocks or mutual funds, including customized portfolio design and management, retirement plan administration, retirement income strategies, life and long-term care insurance, and estate planning services. 4

5 It takes meaningful dialogue, not just a series of check boxes, to develop individualized strategies and efficient solutions. Lynette Blakeway has more than 40 years of wealth management experience. It takes time and patience to bring your financial vision into focus, but it s time well spent. At our first substantial meeting together, we create a snapshot of where you are in your life. We find out where you want to be. We probe. We listen. What s important to you? Are your expectations realistic in view of changing family or professional circumstances, or as investment markets fluctuate? Will you have reliable income to sustain your lifestyle in retirement? What about your children and their futures? Are elderly parents in the picture? Are testamentary wills yours and your spouse s up to date? See an attorney. Will your family be taken care of if you were to die unexpectedly? Helping you find the answers is what our relationship with you is all about. We ask key questions to develop a meaningful understanding of you. And we help you identify the things you most passionately want to achieve or avoid. That s an important part of our process. Lynette L. Blakeway Senior Vice President Wealth Management Wealth Management Advisor Portfolio Manager 5

6 Finding What Matters to You Lets Us Translate Dialogue Into Strategy We believe that a customized wealth management strategy has to be broadly developed, adaptable and centered on what matters to you. There are many life circumstances a first or second marriage, education expense planning, blended families, divorce, adult children returning home to live and care-giving for aging parents that can have a significant impact on your wealth. As we discuss the bigger picture together, your concerns about the future can surface. We then help you build strategies designed to address these issues, taking into consideration your tolerance for risk, liquidity needs and time horizon. That s how we go about translating dialogue into strategy. Over the years, it s been gratifying for us to help and guide many clients through major life transitions. Seeing the big picture When viewed separately, the pieces of your financial life may not combine to maximize their true potential. That s why we prefer to look at the big picture and strive to bring all of the various elements together. We want to work with you to anticipate and serve your financial needs, as well as your children s, grandchildren s and future generations. We can offer access to the following services through the investment resources of Merrill Lynch and the banking convenience of Bank of America, N.A. CLIENT Client s Needs Income/Lifestyle Preservation Retirement Services Caring for Family Parents / Children n Investment portfolios n 401(k)s n College savings accounts FINANCIAL ADVISOR Potential Solutions n Wealth management n Concentrated stock services n Life insurance and trusts n Gifting programs n Traditional IRAs n Roth IRAs n Distribution strategies n Transition services n Trusts through access to services of Bank of America, N.A. n Special needs n Estate planning services n Long-term care strategies 6

7 Providing You With Flexible Options An Intelligent Approach to Portfolio Management In today s fast-paced world, few people have the time or resources to manage their investments effectively or to position their portfolios for potential market moves. Lynette can help clients pursue their objectives by building and managing her own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. When servicing clients through the firm s Investment Advisory Program, a Portfolio Manager may manage her strategies on a discretionary basis, relieving you of dayto-day investment decisions. Retirement Income Strategy Many clients look to Blakeway & Associates for retirement income strategies and assistance determining income needs, including potential health care costs. With your permission, Lynette can manage your account, reallocating assets and tactically adjusting your holdings as necessary in response to changes in market conditions, your investment objective, time horizon, risk tolerance and liquidity needs. Understanding What Your Fees Cover Our fees are competitive and transparent. We want you to feel that the advice and guidance delivered by Blakeway & Associates keep your interests in mind. 7

8 Our team is experienced and attentive, committed to making a difference in your life. Lynette L. Blakeway Senior Vice President Wealth Management Wealth Management Advisor Portfolio Manager Lynette joined Merrill Lynch in 1983, with more than 14 previous years of experience in the financial services industry. For more than 40 years, she has offered advice and guidance to clients, assisting them with retirement income and estate planning services, sophisticated financial strategies, high-net-worth guidance skills, asset allocation and personalized investment portfolio design and management. She also provides access through Bank of America, N.A. to home lending and collateralized lending services. Lynette is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing her own personalized or defined strategies, which may incorporate individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. When servicing clients through the firm s Investment Advisory Program, a Portfolio Manager may manage her strategies on a discretionary basis. Lynette is the President of the Ovarian Cancer Alliance of Ohio. She is also a member of The Women s Service Board at Grant Medical Center; The Columbus Women s Connection; The National Association of Professional Women (NAPW); and the Columbus chapter of the Executive Women s Golf Association. She is a frequent keynote speaker at professional association events in the area. 8

9 Meet Our Client Associate Kimberly Clellan Registered Senior Client Associate Kimberly s primary responsibilities include administrative and customer service for accounts, as well as office logistics. She serves as our director of client services and is a first point of contact, handling new account processing and organizational and marketing support. Because much of our business is custom-tailored to client needs, her daily acumen plays a crucial role in helping the team adhere to each client s blueprint. She joined Merrill Lynch in 1989 and Blakeway & Associates in She is married with four children and lives in Hilliard, Ohio. We strive for the kind of individualized client service that lays the foundation for a long-term relationship. Kimberly Clellan Registered Senior Client Associate 9

10 Merrill Lynch s National Advertising Featured Lynette Blakeway Lynette has appeared in various Merrill Lynch national advertising campaigns running between 2009 and 2012, including The Wall Street Journal, Barron s, Investor s Business Daily and The New York Times, as well as in Merrill Lynch Advisor magazine. To effectively address client needs, open discussions are essential for identifying goals and developing strategies. Lynette L. Blakeway Senior Vice President Wealth Management Wealth Management Advisor Portfolio Manager The case studies presented were intended to illustrate brokerage products and services available at Merrill Lynch. They do not necessarily represent the experience of other clients, nor do they indicate future performance. They are not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality. Investment results may vary. 10

11 Every day, clients are helped to pursue the life they want because of the advice and guidance they receive from their Merrill Lynch financial advisor. Call or us for additional information. Blakeway & Associates 555 Metro Place North Suite 550 Dublin, OH

12 Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against a loss in declining markets. Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining a service or services to select. Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. All guarantees and benefits of an insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. L Bank of America Corporation. All rights reserved. AR55VGHK 04/2015

Global Corporate and Institutional Advisory Services (GCIAS)

Global Corporate and Institutional Advisory Services (GCIAS) Global Corporate and Institutional Advisory Services (GCIAS) GCIAS 3455 Peachtree Road NE, Suite 1000 Atlanta, GA 30326 Toll-free: 888.763.2327 Merrill Lynch Wealth Management makes available products

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected Wealth Structuring and Estate Planning Your vision and your legacy Life s better when we re connected Inside 1 Helping you shape the future 2 The elements of wealth structuring 4 The power and flexibility

More information

Ferguson & Associates

Ferguson & Associates Ferguson & Associates Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA

More information

Estate & Wealth Transfer Planning for Blended Families... Yours, Mine, and Ours

Estate & Wealth Transfer Planning for Blended Families... Yours, Mine, and Ours Estate & Wealth Transfer Planning for Blended Families... Yours, Mine, and Ours The new normal With over 65% of remarriages involving children from a prior relationship, 1 blended families have become

More information

USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS

USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS U.S. TRUST FIDUCIARY SERVICES FOR MERRILL LYNCH CLIENTS USING IRA ASSETS TO ADDRESS YOUR WEALTH TRANSFER GOALS Trusteed IRAs from U.S. Trust Working together, Merrill Lynch and U.S. Trust bring you the

More information

Plan Wellness Scorecard For the period ending June 30, 2015

Plan Wellness Scorecard For the period ending June 30, 2015 RETIREMENT & BENEFIT PLAN SERVICES Workplace Insights Plan Wellness Scorecard For the period ending June 30, 2015 More than ever, employees are looking to their employers for help managing their financial

More information

Merrill Lynch Mutual Fund Advisor INVESTMENTS

Merrill Lynch Mutual Fund Advisor INVESTMENTS Merrill Lynch Mutual Fund Advisor INVESTMENTS Merrill Lynch Mutual Fund Advisor (MFA) a discretionary investment advisory service managed by a dedicated portfolio management team offers investors customized

More information

Merrill Edge Bank of America Corporation 3 Trends Changing Our World

Merrill Edge Bank of America Corporation 3 Trends Changing Our World Merrill Edge Bank of America Corporation 3 Trends Changing Our World Chris topher Hyzy, CIO, U.S. Trust Bank of America Private Wealth Management (Recorded on August 14, 2013) Hello I'm Chris Hyzy with

More information

Organizing your financial life

Organizing your financial life Organizing your financial life Critical information at your fingertips Date Your Name Financial Advisor / Team Name Financial Advisor / Team Phone Number Financial Advisor / Team Email Financial Advisor

More information

FOUNDATION ADVISORY SERVICES

FOUNDATION ADVISORY SERVICES FOUNDATION ADVISORY SERVICES Pursuing your philanthropic vision for your private foundation Philanthropic Solutions COMPREHENSIVE ADVICE AND SOLUTIONS FROM U.S. TRUST Philanthropic planning Foundation

More information

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor Steven M. Swann, CFP Senior Portfolio Manager Senior Vice President Financial Advisor 729 Southwest Federal Highway Suite 300, Stuart, Florida 34994 772-283-7170 / MAIN 800-325-0038 / TOLL-FREE www.fa.smithbarney.com/

More information

What is Wealth Management?

What is Wealth Management? What is Wealth Management? INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED. NOT A BANK DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT BANK GUARANTEED. MAY LOSE VALUE The Wealth Management

More information

Wealth Transfer Planning

Wealth Transfer Planning Wealth Transfer Planning For Business Owners ESTATE PLANNING SERVICES Merrill Lynch does not provide tax, accounting or legal advice. Any information presented about tax considerations affecting client

More information

Understanding your cash sweep options

Understanding your cash sweep options M914471105 Understanding your cash sweep options The following information is being provided so that you can review your cash sweep option(s) with your Merrill Lynch financial advisor ( financial advisor

More information

Flexible financing that s ready when you need it

Flexible financing that s ready when you need it Flexible financing that s ready when you need it Life s better when we re connected Inside 3 You gain flexibility, convenience and control 5 Get the cash you need faster and more easily 7 Buy or invest

More information

Labiak, Ficara & Associates. Wealth Management

Labiak, Ficara & Associates. Wealth Management Labiak, Ficara & Associates Wealth Management Labiak, Ficara & Associates Wealth Management Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner

More information

Guarneri Kabot Bollag. & Associates

Guarneri Kabot Bollag. & Associates Guarneri Kabot Bollag & Associates Our values Client trust is essential. Every member of our team is dedicated to helping clients reach their goals. When everyone shares the same vision and works toward

More information

Peace of mind your employees can take to the bank

Peace of mind your employees can take to the bank Peace of mind your employees can take to the bank Retirement Bank Account Retirement & Benefit Plan Services Thinking about making some investment changes to your retirement plan? A retirement choice your

More information

Small Business Retirement Solutions RETIREMENT & BENEFIT PLAN SERVICES

Small Business Retirement Solutions RETIREMENT & BENEFIT PLAN SERVICES Small Business Retirement Solutions RETIREMENT & BENEFIT PLAN SERVICES Retirement & Benefit Plan Services Whether it s bridging the gap between what you have and what you may need or linking you with a

More information

Organizing your financial life

Organizing your financial life Organizing your financial life Critical information at your fingertips Building the life you want means more than wealth and money. It means being prepared to meet new opportunities and to adapt when significant

More information

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your

More information

The Law Firm Group at Morgan Stanley

The Law Firm Group at Morgan Stanley The Law Firm Group at Morgan Stanley 717 TEXAS AVENUE SUITE 3050 HOUSTON, TX 77002 713-658-2777 / MAIN 800-890-2774 / TOLL-FREE 713-658-2729 / FAX lawfirmgroup@mssb.com The Law Firm Group at Morgan Stanley

More information

Wealth Management. at Janney Montgomery Scott

Wealth Management. at Janney Montgomery Scott Wealth Management at Janney Montgomery Scott W e a l t h M a n a g e m e n t Janney Montgomery Scott understands that wealth like life is more than just an event. It is an ongoing process of growth and

More information

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor Nicole Dickerson, CRPC Financial Advisor Chartered Retirement Planning Counselor 335 N. Maple Drive Suite 150 Beverly Hills, CA 90210 310-285-5665 / MAIN 800-669-4866 / TOLL-FREE 310-859-7245 / FAX http://fa.morganstanleyindividual.c

More information

Plan for the Retirement You Want

Plan for the Retirement You Want Plan for the Retirement You Want Retirees share their lessons learned. RETIREMENT Presented by: Louis A. Falvo, Vice President, Financial Advisor Tel: (585-899-2664) Toll Free: (866-350-6268) Email: louis_falvo@ml.com

More information

The 712 Investment Group. Wealth Management

The 712 Investment Group. Wealth Management The 712 Investment Group Wealth Management Call or e-mail us for further information. Toll-free: 888.775.3752 E-mail: john_j_oneill@ml.com 2 Merrill Lynch makes available products and services offered

More information

Special Needs Planning. Preparing for the financial security of your child with a disability

Special Needs Planning. Preparing for the financial security of your child with a disability Special Needs Planning Preparing for the financial security of your child with a disability Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner

More information

Nonprofit management. An integrated approach to helping you fulfill your mission

Nonprofit management. An integrated approach to helping you fulfill your mission Nonprofit management An integrated approach to helping you fulfill your mission Institutional Investments & Philanthropic Solutions (II&PS) is part of U.S. Trust, Bank of America Corporation (U.S. Trust).

More information

Important information regarding changes to the Merrill Lynch Bank Deposit Programs

Important information regarding changes to the Merrill Lynch Bank Deposit Programs M614471056 Important information regarding changes to the Merrill Lynch Bank Deposit Programs We are writing to let you know about some pending changes to the Merrill Lynch Bank Deposit Programs and to

More information

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor 13625 California Street Suite 400, Omaha, NE 68154 402-399-6354 / MAIN 800-228-3309 / TOLL-FREE 402-399-6336

More information

Financial Strategies for the 21st Century

Financial Strategies for the 21st Century 2 The Life Cycle 2 The Wealth Management Model 3 Putting the Pieces Together online report consulting group Strategies for the 21st Century summary a brief introduction to managing your wealth While individuals

More information

Stifel Wealth Strategist Report

Stifel Wealth Strategist Report Stifel Wealth Strategist Report Planning for your future. How do you like to travel? Do you take the scenic route by car, ensuring that you see all the sights along the way? Or do you stick to the interstates?

More information

Self-Direct Brokerage

Self-Direct Brokerage Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now At Cleary Gull, we think the best way to find the right investment advisor is to focus on the four Ps: people, philosophy, process

More information

Wealth management for LGBT couples

Wealth management for LGBT couples Wealth management for LGBT couples Creating a financial strategy for you and your partner Whether you and your partner are legally married or not, implementing a sound strategy, with the proper documentation

More information

Estate planning strategies using life insurance in a trust Options for handling distributions, rollovers and conversions

Estate planning strategies using life insurance in a trust Options for handling distributions, rollovers and conversions Estate planning strategies using life insurance in a trust Options for handling distributions, rollovers and conversions Life s better when we re connected Table of contents Find your questions review

More information

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans

Retirement Plans. Choosing a Retirement Plan That Works for You and Your Company. Retirement Plans Retirement Plans Choosing a Retirement Plan That Works for You and Your Company Retirement Plans About Stifel Nicolaus Stifel Nicolaus is a full-service Investment firm with a distinguished history of

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet February 2015 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet February 2015 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park

More information

Private Client Services. Investment Management

Private Client Services. Investment Management Private Client Services Investment Management Custom Portfolios For a Complex World We live in an unpredictable and complicated world. Over the course of the last several years, we have seen the markets

More information

Get help achieving your financial goals.

Get help achieving your financial goals. Get help achieving your financial goals. TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF

More information

Merrill Edge & You. Mutual Fund Disclosure Pamphlet Available

Merrill Edge & You. Mutual Fund Disclosure Pamphlet Available M208431613 Merrill Edge & You July 2013 Mutual Fund Disclosure Pamphlet Available Mutual Fund Investing at Merrill Lynch provides information about the fees and expenses related to mutual funds available

More information

Learn how your financial advisor adds value. Investor education

Learn how your financial advisor adds value. Investor education Learn how your financial advisor adds value Investor education The value of partnership Many people find it difficult to invest on their own, particularly as they amass wealth and their financial situations

More information

Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs. Webcast Transcript

Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs. Webcast Transcript Health Care Costs and Retirement 6 Steps to Help You Control Your Future Health Care Costs Featuring: Webcast Transcript Recorded on December 9, 2013 Michael Santoli, Senior Columnist, Yahoo! Finance Ben

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

to Wealth Management resources of one of the world s largest financial services firms. The Caribbean Group

to Wealth Management resources of one of the world s largest financial services firms. The Caribbean Group A Defined Approach to Wealth Management Giving UWI access to the combined resources of one of the world s largest financial services firms. The Caribbean Group The information in this presentation is intended

More information

Schwab retirement planner. Helping you save more for retirement.

Schwab retirement planner. Helping you save more for retirement. Schwab retirement planner Your Interstate Batteries Profit Sharing & 401(k) Plan How IT works Helping you save more for retirement. It s never too early or too late to save for your retirement. For most

More information

Advanced Wealth Transfer Strategies

Advanced Wealth Transfer Strategies Family Limited Partnerships (FLPS) Advanced Wealth Transfer Strategies The American Taxpayer Relief Act of 2012 established a permanent gift and estate tax exemption of $5 million, which is adjusted annually

More information

strategic asset management discover financial independence Through Powerful Advice

strategic asset management discover financial independence Through Powerful Advice strategic asset management discover financial independence Through Powerful Advice envision your financial future Set Your Expectations High Whatever your destination, a solid investment program can help

More information

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country.

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country. As a fully licensed professional for more than 20 years, Steven began his career in the financial services industry as a financial advisor at Smith Barney. In 2004, Steven joined Banc of America Investment

More information

THE POWER OF AN IRA.

THE POWER OF AN IRA. THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest

More information

WEALTH MANAGEMENT SOLUTIONS

WEALTH MANAGEMENT SOLUTIONS WEALTH MANAGEMENT SOLUTIONS Manage your assets Protect your wealth Build your legacy Wealth Management Solutions from Raymond James managing your assets protecting your wealth building your legacy Wealth

More information

Preparing Your Savings for Retirement

Preparing Your Savings for Retirement Preparing Your Savings for Retirement The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of future health

More information

Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option

Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option M015471210 Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option To meet the changing needs of our clients, we ll soon

More information

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program As an individual investor, you have access to more investment options than ever. With these choices,

More information

How to manage your portfolio and emotions during volatile markets. Video Transcript. Recorded on March 6, 2015

How to manage your portfolio and emotions during volatile markets. Video Transcript. Recorded on March 6, 2015 How to manage your portfolio and emotions during volatile markets Video Transcript Recorded on March 6, 2015 Featuring: Michael Santoli, senior columnist, Yahoo! Finance Matthew Diczok, managing director,

More information

How to Evaluate An Investment Advisor

How to Evaluate An Investment Advisor Key Questions to Ask an Investment Advisor Specially Prepared for Continental Airlines Pilots Nearing Retirement You have built a substantial retirement nest egg over the years. Soon, you can relax and

More information

Investing in a Transforming World: The Wealth Allocation Framework WEALTH MANAGEMENT INSTITUTE FALL 2014

Investing in a Transforming World: The Wealth Allocation Framework WEALTH MANAGEMENT INSTITUTE FALL 2014 Investing in a Transforming World: The Wealth Allocation Framework WEALTH MANAGEMENT INSTITUTE FALL 2014 In the last 60 years, Modern Portfolio Theory has become an established cornerstone of prudent investment

More information

Investment Services. We Find a Way

Investment Services. We Find a Way Investment Services We Find a Way If you re looking for a steady, carefully balanced approach to investing you ve found it. Webster Investment Services is a dedicated group of financial consultants with

More information

ABOUT LPL FINANCIAL. The strength of partnership

ABOUT LPL FINANCIAL. The strength of partnership ABOUT LPL FINANCIAL The strength of partnership supporting financial advisors who serve you the need for objective advice has never been greater Amid an ever-changing investment landscape, investors need

More information

The JMS Group At Morgan Stanley

The JMS Group At Morgan Stanley The JMS Group At Morgan Stanley Downtown Location West Side Location 33 E. Main Street, Suite 700 1241 John Q Hammons Drive Madison, WI 53703 Madison, WI 53717 (608) 283-2314 (608) 829-3260 Morgan Stanley

More information

Viewpoint. Using a Trusteed IRA to Protect, Preserve and Control Your IRA Assets

Viewpoint. Using a Trusteed IRA to Protect, Preserve and Control Your IRA Assets Viewpoint NATALIE B. CHOATE APRIL 2015 Using a Trusteed IRA to Protect, Preserve and Control Your IRA Assets The first IRAs were created in 1975 and contained no more than that year s maximum contribution

More information

THE DUCKWORTH GROUP. Private Wealth and Financial Advisors

THE DUCKWORTH GROUP. Private Wealth and Financial Advisors THE DUCKWORTH GROUP Private Wealth and Financial Advisors Private Banking and Investment Group Private Banking and Investment Group provides tailored solutions to help meet the distinct needs of individuals

More information

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management 227 West Monroe Street Suite 3400, Chicago, IL 60606 312-917-7416 / MAIN 800-334-2446 / TOLL-FREE 312-648-3344

More information

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies

MANAGER SELECT. live your. dream. By Implementing Sophisticated Investment Strategies MANAGER SELECT live your dream By Implementing Sophisticated Investment Strategies Maximize the Value of Your Assets Your Total Wealth Management Strategy Full-time professional supervision Disciplined

More information

Go Independent. The advantages of working with an independent advisor

Go Independent. The advantages of working with an independent advisor Go Independent. The advantages of working with an independent advisor Your financial future is impacted by decisions you make today. Whom you work with to help plan that future may be the most important

More information

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

More information

CORBELLINI, EMANUELSON, KALYANDURG & ASSOCIATES. Private Wealth Advisors

CORBELLINI, EMANUELSON, KALYANDURG & ASSOCIATES. Private Wealth Advisors CORBELLINI, EMANUELSON, KALYANDURG & ASSOCIATES s Corbellini, Emanuelson, Kalyandurg & Associates PRIVATE WEALTH ADVISORS 300 Crescent Court Suite 1300 Dallas, TX 75201 800.477.1264 www.pwa.ml.com/ce_group

More information

Welcome! Thanks for investing your time today.

Welcome! Thanks for investing your time today. Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015

More information

Personal Wealth Management

Personal Wealth Management Personal Wealth Management Integrated Wealth Management Multi Generational Wealth Planning Retirement Plan Solutions Personalized Wealth Management AspenCross Financial Group (AFG) personal wealth management

More information

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016

Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016 Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet May 2016 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New

More information

Protection Now. Income Later.

Protection Now. Income Later. Protection Now. Income Later. Life Insurance Retirement Plan for Women AD-OC-749C What are two problems facing today s woman? 1 2 The Family s Financial Vulnerability. Whether you are part of a two-income

More information

One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN

One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN One Day I will understand how my retirement plan can help me work toward my goals. One Day is Today! LEARN MORE ABOUT YOUR RETIREMENT PLAN Retirement Preparation Importance of retirement preparation Major

More information

USAA Wealth Management & Military Officers Association of America

USAA Wealth Management & Military Officers Association of America USAA Wealth Management & Military Officers Association of America Views and opinions expressed in this seminar are provided for informational purposes only and are subject to change. This discussion should

More information

Tax Impact Series: Tax Planning 2015

Tax Impact Series: Tax Planning 2015 Tax Impact Series: Avoid Manage Defer Tax Planning 2015 Keep More of What You Earn February 2015 www.amgfunds.com 800.368.4410 Not FDIC Insured May Lose Value Not Bank Guaranteed BR131-0215 Avoid Manage

More information

Independent Advice for the Discerning Investor

Independent Advice for the Discerning Investor Independent Advice for the Discerning Investor or bleed WNA Wealth Advisors, Inc. Our Values WNA Wealth Advisors serves as our clients partner in investing, their advisor for life. Perform all duties with

More information

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W.

Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. Funds Class W Your guide to investing for retirement with Fidelity Freedom Index Funds Class W. An all-in-one approach for simple investing. You may already know how important your workplace savings can

More information

CONFIDENCE THROUGH GUIDANCE

CONFIDENCE THROUGH GUIDANCE CONFIDENCE THROUGH GUIDANCE We provide the expertise, products, and technology of a national wealth manager with the highly personal service and attention of a boutique firm that always puts its clients

More information

The underrated impact of taxes on retirement

The underrated impact of taxes on retirement The underrated impact of taxes on retirement Research study Nearly one out of every three dollars spent by high-income retirees goes to taxes, according to a study by Lincoln Financial Group. Most future

More information

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

More information

Financial planning with PNC Investments. Helping you achieve what matters most.

Financial planning with PNC Investments. Helping you achieve what matters most. Financial planning with PNC Investments Helping you achieve what matters most. Focus on the road ahead with a flexible financial plan. Design yours now with PNC Investments. We all want a bright financial

More information

It s your life and your plan. Make it work for you. TeamHealth 401(k) Plan

It s your life and your plan. Make it work for you. TeamHealth 401(k) Plan It s your life and your plan. Make it work for you. TeamHealth 401(k) Plan Your TeamHealth 401(k) Plan can help you take charge of your retirement goals. It does this with an effective combination of low-cost

More information

FIXED INCOME. Consistent Revenue A WIDER VIEW TM

FIXED INCOME. Consistent Revenue A WIDER VIEW TM FIXED INCOME Consistent Revenue A WIDER VIEW TM It s time for A WIDER VIEW. TM It s the view that says stocks, bonds, mutual funds, annuities, life insurance, every type of investment has to make a contribution

More information

The Black Diamond Group at Morgan Stanley Smith Barney

The Black Diamond Group at Morgan Stanley Smith Barney The Black Diamond Group at Morgan Stanley Smith Barney 1000 Elm Street 14th Floor, Manchester, New Hampshire 03101 603-629-0214 / Main fa.smithbarney.com/ theblackdiamondgroup ian.macdermott@mssb.com One

More information

Your 401(k) Quick tips

Your 401(k) Quick tips Your 401(k) Quick tips The 401(k) plan offers you an easy way to prepare for retirement, and provides great benefits that help you boost your savings, including: Company matching contribution of up to

More information

Retirement Income Planning Worksheet

Retirement Income Planning Worksheet Retirement Income Planning Worksheet Build a comprehensive plan A straightforward resource to help gather the data you need Use this simple worksheet to get started on your retirement income plan Your

More information

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net

FINANCIAL PROFILE. 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net H E L P I N G Y O U A C H I E V E F I N A N C I A L G O A L S FINANCIAL PROFILE 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net INVEST Financial Corporation is

More information

The Peachtree Group at Morgan Stanley

The Peachtree Group at Morgan Stanley The Peachtree Group at Morgan Stanley 3280 PEACHTREE RD NE SUITE 1900 ATLANTA, GA 30305 404-266-6390 / MAIN 877-386-5767 / TOLL-FREE 404-601-5471 / FAX http://fa.smithbarney.com/thepeachtreegroupsb/ index.htm

More information

Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later

Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later Life Insurance Client Guide The Art of Retirement Is Your Financial Portfolio an Unfinished Work? Color It with a Life Insurance Retirement Plan Protection Now, Income Later AD-OC-770D 1 Picture Your Future

More information

ML Strategic Balanced Index. Dynamically Blending Equity and Fixed Income Indices to Help Stabilize Returns

ML Strategic Balanced Index. Dynamically Blending Equity and Fixed Income Indices to Help Stabilize Returns ML Strategic Balanced Index Dynamically Blending Equity and Fixed Income Indices to Help Stabilize Returns What Is the ML Strategic Balanced Index? The ML Strategic Balanced Index uses a rules-based approach

More information

The Power of Choice. A Transamerica Company

The Power of Choice. A Transamerica Company The Power of Choice A Transamerica Company A diverse portfolio allows you to prepare for your future. A Wealth of Resources World Financial Group, Inc. (WFG) and its associates are committed to offering

More information

The California Delta Group at Morgan Stanley Smith Barney....managing change

The California Delta Group at Morgan Stanley Smith Barney....managing change The California Delta Group at Morgan Stanley Smith Barney...managing change Delta is the symbol for change... The California Delta Group at Morgan Stanley Smith Barney looks forward to helping our clients

More information

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency

No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready

More information

Learn how your financial advisor adds value. Investor education

Learn how your financial advisor adds value. Investor education Learn how your financial advisor adds value Investor education The value of partnership Many people find it difficult to invest on their own, particularly as they amass wealth and their financial situations

More information

ADVICE FOR THE FAMILY AND THE FAMILY BUSINESS

ADVICE FOR THE FAMILY AND THE FAMILY BUSINESS ADVICE FOR THE FAMILY AND THE FAMILY BUSINESS We are dedicated to helping our clients assess and achieve their business and personal aspirations. Each of our clients has specific concerns, needs and objectives.

More information

Discover TD Waterhouse. Investment and wealth management for every stage of your life

Discover TD Waterhouse. Investment and wealth management for every stage of your life Discover TD Waterhouse Investment and wealth management for every stage of your life Welcome to TD Waterhouse Everyone at TD Waterhouse* is committed to helping you reach your financial goals. Whether

More information

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information