SIGNS YOU NEED A WEALTH MANAGER

Size: px
Start display at page:

Download "SIGNS YOU NEED A WEALTH MANAGER"

Transcription

1 5 A FIDUCIARY OF YOUR OWN SIGNS YOU NEED A WEALTH MANAGER Fiduciary Duty / Wealth Management for Individual Investors and Families Over one s lifetime, the need for sophisticated and professional financial guidance becomes imperative. At what point do individuals realize they have crossed over to needing the expertise and guidance of a wealth manager? Institutional investors have known for years the invaluable role a fiduciary can play in the management and administration of wealth. For individual investors and their families, such expertise is also available through the comprehensive services of a wealth manager who is a CERTIFIED FINANCIAL PLANNER TM practitioner.

2 Time and Commitments / Finding a Way Forward If you are like most successful individuals, you may have enlisted the services of a wide variety of financial professionals over the years. It wouldn t be unusual for you to have hired an accountant, insurance agent, stockbroker, advisor, or estate attorney to counsel you at one time or another. You have most likely served as the prime mover in accessing and coordinating these professionals. Or, perhaps you even play one or two of these roles on your own. An uneasy sense may emerge when increasing oversight responsibilities become a burden. There are five tell-tale signs you may be ready to enlist the services of a professional wealth manager. 1 YOUR CURRENT FINANCIAL STRATEGY ISN T KEEPING UP WITH YOUR NEEDS Are you spending more time on nights and weekends trying to sort out the wide variety of financial concerns that impact your life? DECISION-MAKING MAY INVOLVE: Investment choices Retirement needs Insurance protection Risk profiling Education expenses Savings goals Portfolio performance Tax strategies Debt reduction CHANCES ARE YOUR FINANCIAL CIRCUMSTANCES MAY REQUIRE GREATER OVERSIGHT THAN YOU CAN SUCCESSFULLY PROVIDE ON YOUR OWN. 2 FIVE SIGNS YOU NEED A WEALTH MANAGER

3 2 YOU NEED MORE THAN YOUR CURRENT PROFESSIONAL RELATIONSHIP CAN DELIVER You may find that beyond selecting securities, your current professional has little to offer in the way of helping you shape a cohesive financial vision for the future. A comprehensive wealth manager will develop strategies for your needs holistically. Your Life Is Dynamic and Evolving Shouldn t your wealth management strategy be dynamic and evolving as well? A successful strategy is designed to keep up with your changing needs. Your current advisor may not be working hard enough for your financial future. When You Succeed, We Succeed Distinguishing between fees and commissions is important in determining whether an investor s best interests are likely to be served. At WFWM, compensation for investment management is based on a set percentage of assets under management. This means our financial interests are better aligned with our clients interests. Consider Hiring a Fiduciary to Manage Your Wealth Fiduciaries oversee your wealth and are required by law to act in your best interest rather than for their own profit. A CFP practitioner serves as a fiduciary and can provide a high level of expertise to: Balance long-term goals with short-term needs Build a well-diversified portfolio Plan and manage your finances Create a risk management safety net Explore beneficial tax strategies WECHTER FELDMAN WEALTH MANAGEMENT 3

4 FEEL MORE PREPARED FOR THE FUTURE WHEN YOU PLAN FOR EXTENDED FAMILY 4 YOU ARE FACED WITH A MAJOR FINANCIAL DECISION YOU CANNOT MAKE ON YOUR OWN Major financial decisions both good and bad will have a huge impact on your future. Investment management and retirement planning often go hand-in-hand when seeking the guidance of a wealth manager. A fiduciary can evaluate your options and instill confidence in your choices. Additional evaluations for college funding and life, disability, and long-term care insurance can be completed depending on your needs. A wealth manager can also ensure your investment profile is updated and monitored on an ongoing basis. 4 FIVE SIGNS YOU NEED A WEALTH MANAGER

5 5 YOU NEED A LASTING, FLEXIBLE, COMPREHENSIVE PLAN THAT REFLECTS YOUR VISION OF THE FUTURE A wealth management relationship is especially desirable in the area of life planning, where the emphasis is on integrating a range of personal priorities into one coherent picture. A successful wealth management strategy seamlessly integrates with all aspects of your financial life. Check the box How many of the five signs apply to you? #1 Your current financial strategy isn t keeping up with your needs #2 You need more than your current professional relationship can deliver #3 You require more guidance to plan across family generations #4 You are faced with a major financial decision you cannot make on your own #5 You need a lasting, flexible, comprehensive plan that reflects your vision of the future Consider enlisting a professional wealth manager for greater financial guidance and oversight. WEALTH MANAGEMENT OFFERS A HOLISTIC APPROACH TO LONG-TERM PLANNING INVESTMENT ADVICE Asset Allocation Risk Tolerance Portfolio Rebalancing Performance Reporting Ongoing Monitoring INVESTMENT ANALYSIS Momentum Technical Fundamental Market Forecasting Economic Commentary FINANCIAL PLANNING Retirement Planning Education Planning Income Tax Planning Risk Management Planning Estate Planning WECHTER FELDMAN WEALTH MANAGEMENT 5

6 About WFWM Our wealth management services are designed to increase the probability of success relative to your given resources and timeframe. Let us assist you in gaining control and peace of mind around saving, investing, and spending. Your future is around the corner and so is Wechter Feldman. Based in Parsippany, New Jersey, we have served individuals, families, businesses, estates, and trusts since At Wechter Feldman, the pace is unhurried and our approach is relaxed and thoughtful. Take the time to get to know us. If you d like to learn more about securing your financial future, then start a dialogue today. Our achievements have earned national recognition and a reputation for industry excellence. WECHTER FELDMAN IS A MEMBER OF THE RIA SURVEYS & RANKING of nationally ranked Registered Investment Advisers based on assets under management. Financial Advisor, July 2015 WECHTER FELDMAN HAS BEEN SELECTED AS ONE OF THE TOP RIAs in the country ranked by discretionary assets under management. Investment News, May 2015 DAVID FELDMAN WAS SELECTED AS ONE OF THE BEST FINANCIAL ADVISORS FOR DOCTORS based on his expertise and experience with serving physicians. Medical Economics, November 2014 OUR FIRM S GROWTH EARNED A SPOT IN THE INC ranking of America s Fastest Growing Private Companies. Inc. Magazine, September 2012 WFWM s Team Approach We believe in surrounding you with expertise. Every client of Wechter Feldman is assigned to a team of highly trained professionals. Your dedicated Wealth Manager and Advisory Services Analyst are available when you need them. 6 FIVE SIGNS YOU NEED A WEALTH MANAGER

7 How We Work to Your Advantage At Wechter Feldman Wealth Management we practice wealth management as a process. We understand that just like individuals, no two families or financial plans are ever the same. That s why we re committed to constructing a strategy that aligns with your unique goals and aspirations. Wealth management can help you reach your goals by evaluating your whole financial picture and developing strategies tailored to your individual needs and available resources. Experience the WFWM Difference With Wechter Feldman s integrated services, you can coordinate your entire financial plan under one convenient roof. We will review your goals, analyze your financial condition, and develop and implement recommendations. Over time, we ll monitor your progress and adjust for changes as they arise. 1 GATHER DATA AND REVIEW GOALS 5MONITOR AND MAKE ADJUSTMENTS 2 ANALYZE YOUR FINANCIAL CONDITION 4 IMPLEMENT RECOMMENDATIONS 3 DEVELOP AND REVIEW RECOMMENDATIONS To learn more about Wechter Feldman Wealth Management, visit our website at WECHTER FELDMAN WEALTH MANAGEMENT 7

8 Experience Wechter Feldman Wechter Feldman Wealth Management is an independent Registered Investment Advisor. Wechter Feldman Wealth Management, Inc. Octagon 10 Center / 1719 Route 10 East / Suite 224 / Parsippany, New Jersey Phone Fax /

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

What is your ideal future?

What is your ideal future? What is your ideal future? What We Do We are committed to helping individuals and institutions preserve their hard-earned capital and pursue steady, wise growth. Investments We create an ideal portfolio

More information

COMPREHENSIVE WEALTH MANAGEMENT

COMPREHENSIVE WEALTH MANAGEMENT PRIVATE CLIENT TM COMPREHENSIVE WEALTH MANAGEMENT ASSANTE A OUR GOAL is to simplify and enhance the lives of our clients by serving as their financial advisor managing their assets and lifestyle needs

More information

Define Your Independence: Building Your Future

Define Your Independence: Building Your Future Define Your Independence: Building Your Future Define Your Independence: Building Your Future It used to be that going independent meant going out on your own. Alone. That s not the case anymore. There

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

Cutting through the Confusion

Cutting through the Confusion Cutting through the Confusion Where to Turn for Help with Your Investments What Services Do You Want? What Types of Providers Offer Assistance with Investments? How Do You Pay for These Services? What

More information

6TIPS FOR EVALUATING YOUR FINANCIAL PLANNING RELATIONSHIP BY ADAM WAITKEVICH, CFP, AIF, CDFA

6TIPS FOR EVALUATING YOUR FINANCIAL PLANNING RELATIONSHIP BY ADAM WAITKEVICH, CFP, AIF, CDFA 6TIPS FOR EVALUATING YOUR FINANCIAL PLANNING RELATIONSHIP BY ADAM WAITKEVICH, CFP, AIF, CDFA Wealth Planning Is About You For most of us money is a loyal servant, but a difficult master. We begin adulthood

More information

A simple solution to Grow your practice

A simple solution to Grow your practice A simple solution to Grow your practice Grow your Sales, get your series 65 license (Becoming an Investment Advisor Representative (IAR)) Utilizing Fusion To Gather More Assets FOR FINANCIAL PROFESSIONAL

More information

Financial Advisor Comparison Matrix

Financial Advisor Comparison Matrix General Type of firm SEC Registered Investment Adviser (RIA) RIA FINRA Registered Broker (RR) Hybrid (RIA/RR) Insurance Agent Other: RIA FINRA Registered Broker (RR) Hybrid (RIA/RR) Insurance Agent Other:

More information

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5 Vancity Investment Management provides you with direct access to an experienced, dedicated Portfolio Manager who will actively monitor and professionally manage your account. Thank you for taking the time

More information

AT HD VEST FINANCIAL SERVICES YOU RE FAR MORE THAN A NUMBER

AT HD VEST FINANCIAL SERVICES YOU RE FAR MORE THAN A NUMBER AT HD VEST FINANCIAL SERVICES YOU RE FAR MORE THAN A NUMBER In an industry where sales and production rankings drive everything from compensation and fees, to the level of support, training, networking

More information

For Immediate Release

For Immediate Release For Immediate Release For a review copy of the book or an interview with John Vento, please contact Dottie DeHart, DeHart & Company Public Relations, at (828) 325-4966 or Dottie@dehartandcompany.com Not

More information

Navigating Your Financial Future

Navigating Your Financial Future Navigating Your Financial Future Our Mission To help clients and their families navigate their financial future, charting the course to achieve their financial goals today, tomorrow and for years to come.

More information

S E R V I C E C O M P A R I S O N C H A R T

S E R V I C E C O M P A R I S O N C H A R T S E R V I C E C O M P A R I S O N C H A R T $O$: Hourly Second Opinion Service GPS: Goal Planning Service Broad-Based Financical Plan Advanced Portfolio Management Affordable Family Office Service Topic-Specific

More information

Age difference, when to start Social Security, top retirement questions for couple

Age difference, when to start Social Security, top retirement questions for couple Age difference, when to start Social Security, top retirement questions for couple Money Makeover January 29, 2015 Clarice, 62, and James, 56, have some specific worries for their retirement plan. Because

More information

Growth fuels RIA hiring plans

Growth fuels RIA hiring plans 2015 RIA Benchmarking Study from Charles Schwab Compensation Report Growth fuels RIA hiring plans Registered Investment Advisors (RIAs) reported record growth and profitability in 2014. This, coupled with

More information

How do I choose the right advisor? Important questions to ask before you hire an investment advisor.

How do I choose the right advisor? Important questions to ask before you hire an investment advisor. How do I choose the right advisor? Important questions to ask before you hire an investment advisor. To choose an advisor you feel comfortable with both personally and professionally it s smart to take

More information

GENERAL INFORMATION & DISCLOSURE BROCHURE

GENERAL INFORMATION & DISCLOSURE BROCHURE GENERAL INFORMATION & DISCLOSURE BROCHURE 266 Main Street Nashua, NH 03060 (603) 889-4300 Advanced Portfolio Design, LLC Advanced Portfolio Design, LLC first registered with the State of New Hampshire

More information

WHAT ARE YOU INVESTING FOR?

WHAT ARE YOU INVESTING FOR? WHAT ARE YOU INVESTING FOR? We a l t h M a na ge m e nt S e r v i ce s I don t want to take chances with the future. I have a plan and it s going to take us where we want to go. A PERSONALIZED APPROACH

More information

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions

LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS. wealth management solutions LIFETIME WEALTH PORTFOLIOS LIFETIME WEALTH PORTFOLIOS wealth management solutions LIFETIME WEALTH PORTFOLIOS wealth management solutions 1 WEALTH MANAGEMENT FOR LIFE Investing wisely for the future can

More information

Compensation: How RIA firms are attracting and retaining top-tier talent

Compensation: How RIA firms are attracting and retaining top-tier talent Compensation: How RIA firms are attracting and retaining top-tier talent Results from the 2014 RIA Benchmarking Study from Charles Schwab As the RIA industry has grown and matured, individual advisory

More information

Managin. services. may be the. Choosing. advice you. than just their. giving. help them. this involves. including. firm, Winer.

Managin. services. may be the. Choosing. advice you. than just their. giving. help them. this involves. including. firm, Winer. 21243 Ventura Boulevard Suite 207 Woodland Hills, CA 91364 (818) 673-1695 Helping you build, protect and preserve wealth Managin ng Wealth in the 21 st Century Dear Prospective Client: Thank you for your

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

Investment Advice & Wealth Management WORRY FREE INVESTING

Investment Advice & Wealth Management WORRY FREE INVESTING Investment Advice & Wealth Management WORRY FREE INVESTING Venkata Vedam & Venkat Krishnamurthy Welcome to V2 Financial Group, LLC. We re here to help you manage your money, achieve your financial goals,

More information

G. Robert King II, CFP, CLTC

G. Robert King II, CFP, CLTC RETIREMENT PLAN CONSULTING SERVICES G. Robert King II, CFP, CLTC Serving businesses on Cape Cod, since 1986 Expertise. Knowledge. Peace of Mind. Securities products are offered through New England Securities

More information

PRIVATE CLIENT MANAGED PORTFOLIOS

PRIVATE CLIENT MANAGED PORTFOLIOS PRIVATE CLIENT MANAGED PORTFOLIOS To sim lif, reserve an enhance. United Financial Private Client Managed Portfolios Your wealth is the cumulative result of your hard work, discipline, and astute management.

More information

with trust comes solutions

with trust comes solutions atfinancial.com WHO WE ARE @financial is a full service financial services brokerage specializing in comprehensive, holistic financial planning, and offers a complete line of financial services and products

More information

Financial Planning and Investment Advisory Services. Fitzgerald Financial Group 1

Financial Planning and Investment Advisory Services. Fitzgerald Financial Group 1 Financial Planning and Investment Advisory Services Fitzgerald Financial Group 1 PARTNERING TO SOLIDIFY YOUR FINANCIAL FUTURE At Fitzgerald Financial Group, our goal is to help strengthen the financial

More information

am a Registered Investment Advisor that is held to a Fiduciary Standard by Law. Being registered does not imply a certain level of skill or training.

am a Registered Investment Advisor that is held to a Fiduciary Standard by Law. Being registered does not imply a certain level of skill or training. Form ADV Part 2A Brochure Cover Page Resource Management LLC 41-973 Laumilo St Waimanalo, HI 96795 Phone:(808)429-8123 Email: ron@resourcem.com Web: www.resourcem.com am a Registered Investment Advisor

More information

O U R S E R V I C E S

O U R S E R V I C E S BARNETT I. CHEPENIK Barnett (Barney) Chepenik offers you over 25 years of financial services industry experience. His titles range from Lincoln Financial Advisors investment advisor representative to licensed

More information

CHOOSING A FINANCIAL ADVISOR

CHOOSING A FINANCIAL ADVISOR CHOOSING A FINANCIAL ADVISOR Prepared By Winer Wealth Management, Inc. 21243 Ventura Blvd. Suite 207 Woodland Hills, CA 91364 (818) 673-1695 www.winerwealth.com Common Concerns Do any of these sound familiar?

More information

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5

Financial Advisor Value Proposition Page 2. Financial Advisor Types Page 4. Investment and Financial Planning Careers Page 5 Index Financial Advisor Value Proposition Page 2 Financial Advisor Types Page 4 Investment and Financial Planning Careers Page 5 Selecting a Sound Financial Advisor Page 6 Common Advisor Concerns Financial

More information

Mutual Fund Basics TYPES OF MUTUAL FUNDS WHAT ARE THE BENEFITS OF INVESTING IN A MUTUAL FUND?

Mutual Fund Basics TYPES OF MUTUAL FUNDS WHAT ARE THE BENEFITS OF INVESTING IN A MUTUAL FUND? Mutual Fund Basics A mutual fund pools the money of many investors to purchase securities. The fund s manager buys securities to pursue a stated investment strategy. By investing in the fund, you ll own

More information

Integrated Wealth Management Solutions

Integrated Wealth Management Solutions Integrated Wealth Management Solutions GM Advisory Group GM Advisory Group, Inc. was formed over half a century ago to provide highly personalized tax, accounting and estate planning services to businesses

More information

WHY you should. choose a. CERTIFIED FINANCIAL PLANNER TM practitioner

WHY you should. choose a. CERTIFIED FINANCIAL PLANNER TM practitioner WHY you should choose a CERTIFIED FINANCIAL PLANNER TM practitioner Choosing a financial planner may be one of the most important decisions you make for yourself and your loved ones. Financial planners

More information

What are you investing for?

What are you investing for? What are you investing for? Our goal is to help people achieve successful financial outcomes. In a sense we re guardians of their dreams and it s a responsibility we don t take lightly. YOUR GOALS ARE

More information

Ichose to be a financial planner because I want to truly make a difference in people s

Ichose to be a financial planner because I want to truly make a difference in people s Ichose to be a financial planner because I want to truly make a difference in people s lives, especially as they retire. Growing up, I watched my father work two and three jobs just to make ends meet.

More information

Trust services you and your family can count on today and tomorrow. Vanguard Asset Management Services TM

Trust services you and your family can count on today and tomorrow. Vanguard Asset Management Services TM Trust services you and your family can count on today and tomorrow Vanguard Asset Management Services TM Feel secure knowing that your trust assets will be prudently managed, protected, and distributed

More information

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor

Investing in More Objective Advice. A Guide to Working With an Independent Registered Investment Advisor Investing in More Objective Advice A Guide to Working With an Independent Registered Investment Advisor Compliments of Introduction Forty-six percent of wealthy households now use an independent advisory

More information

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

Wealth Advisory Services Winning with clients

Wealth Advisory Services Winning with clients Wealth Advisory Services Winning with clients About Us Deloitte, with more than 550 professionals operating out of offices in all major cities is one of the largest and fastest-growing professional services

More information

the finishrich advisor questionnaire

the finishrich advisor questionnaire Bach_0767904818_4p_bmb_r1.qxd 1/2/03 3:51 PM Page 203 the finishrich advisor questionnaire 5 Questions to Ask Yourself, and 10 Questions to Ask the Advisor My FinishRich Book Series (Smart Women Finish

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

How do I choose the right advisor?

How do I choose the right advisor? Discover the difference with a Registered Investment Advisor. How do I choose the right advisor? Important questions to ask before you hire an investment advisor. This content is made available by Charles

More information

THE BENEFITS OF CHOOSING AN A MATTER OF TRUST: Accredited Investment Fiduciary Analyst DESIGNEE

THE BENEFITS OF CHOOSING AN A MATTER OF TRUST: Accredited Investment Fiduciary Analyst DESIGNEE THE BENEFITS OF CHOOSING AN A MATTER OF TRUST: Accredited Investment Fiduciary Analyst DESIGNEE Who is Looking After Your Best Interests? EFFECTIVE RELATIONSHIPS BETWEEN INVESTORS AND ADVISORS ARE BUILT

More information

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED

Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED Chartered Financial Planners. Simplifying your financial life. EXPERT ADVICE. PROFESSIONALLY DELIVERED 02 TIME TO ENJOY Through hard work and unique talent you have generated wealth. A relationship with

More information

[NAME OF COMPANY] MARKETING PLAN

[NAME OF COMPANY] MARKETING PLAN [NAME OF COMPANY] MARKETING PLAN [date plan issued] Contact: [name], CEO [or President] [address] [phone no. & fax no.] [email] [web site] - 2 - Confidentiality Agreement The undersigned reader acknowledges

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

A Motley Fool Special Report Takeaway:

A Motley Fool Special Report Takeaway: 12 Questions to Ask Your Financial Advisor (and Yourself) Before Investing Start with a hard look at your style, then find a reputable broker to match it. Before you let a stranger manage your money (even

More information

Wealth Management. Greg Harris. Kevin Woodard. Investor Day August 15, 2012. SVP & Senior Operating Officer. SVP & Sales and Service Officer

Wealth Management. Greg Harris. Kevin Woodard. Investor Day August 15, 2012. SVP & Senior Operating Officer. SVP & Sales and Service Officer Wealth Management Greg Harris SVP & Senior Operating Officer Kevin Woodard SVP & Sales and Service Officer Investor Day August 15, 2012 Wealth Management Business Objective To become a leading regional

More information

Orchestrating Your Success A Plan For Your Investment Practice

Orchestrating Your Success A Plan For Your Investment Practice Orchestrating Your Success A Plan For Your Investment Practice 2012 Shelly A. Hall, AIF Vice President, Business Development Thank you for visiting our site. I invite you to take a look at this information

More information

September 21, 2015. Re: Comment on Initial Consultation Document

September 21, 2015. Re: Comment on Initial Consultation Document September 21, 2015 Expert Committee to Consider Financial Advisory and Financial Planning Policy Alternatives c/o Frost Building North, Room 458 4 th Floor, 95 Grosvenor Street Toronto, Ontario M7A 1Z1

More information

LAKEPO NTE PREMIER. Structured Investment Program. Shore up your financial future

LAKEPO NTE PREMIER. Structured Investment Program. Shore up your financial future LAKEPO NTE PREMIER Structured Investment Program Shore up your financial future HORIZON TRUST & INVESTMENT MANAGEMENT A Proud & Rich Tradition of Trust & Investment Management Nestled on the shores of

More information

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP

December 2014. Tax-Efficient Investing Through Asset Location. John Wyckoff, CPA/PFS, CFP John Wyckoff, CPA/PFS, CFP Your investment priorities are likely to evolve over time, but one goal will remain constant: to maximize your investment returns. Not all returns are created equal, however.

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to tiaa.org/ individualadvisoryservices

More information

Lifestyle. B r u n s d o PORTFOLIO MANAGEMENT. Solutions. Your investments. Your future.

Lifestyle. B r u n s d o PORTFOLIO MANAGEMENT. Solutions. Your investments. Your future. B r u n s d o ntm INSURANCE AND FINANCIAL SOLUTIONS SINCE 1932 PORTFOLIO MANAGEMENT Your investments. Your future. Helping you towards long term financial security for you and your family Lifestyle Solutions

More information

Financial Planning Services

Financial Planning Services Financial Planning Services for Key Executives Comprehensive Planning Services Custom Tailored to Enhance Your Financial Future www.masoncompanies.com THE MASON COMPANIES Financial Planning Services for

More information

Implications of Complacency

Implications of Complacency Implications of Complacency Practice Management Rico Casares VP, Practice Management Consultant For Broker-Dealer / Advisor use only. Not to be reproduced or shown to the public. Agenda Key research findings

More information

Financial Adviser Interview Questionnaire Robert B. Friedland, Ph.D., CFP, AIF

Financial Adviser Interview Questionnaire Robert B. Friedland, Ph.D., CFP, AIF Financial Adviser Interview Questionnaire Robert B. Friedland, Ph.D., CFP, AIF 1. Why did you become a financial planner? To help people make financial and investment decisions with confidence. We are

More information

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business

INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING. Making your business our business INTRODUCING OUR CORPORATE INVESTMENT SERVICE C O C K BURN LUCAS INDEPENDENT FINANCIAL CONSULTING Making your business our business About Us Cockburn Lucas IFC Limited was established in 1997 to provide

More information

National Bank Strategic Portfolios. A Sound Investment

National Bank Strategic Portfolios. A Sound Investment National Bank Strategic Portfolios A Sound Investment 03 What are the Strategic Portfolios? Six portfolios designed to meet the needs of six different investor profiles. Optimal diversification by asset

More information

WELCOME to THE ALDER FINANCIAL GROUP

WELCOME to THE ALDER FINANCIAL GROUP WELCOME to THE ALDER FINANCIAL GROUP How do I become financially independent? Over the years, one question seems to be asked repeatedly: How much money do I need to be wealthy? The answer to this question

More information

Private Client Group

Private Client Group Private Client Group Our Commitment to You On behalf of our clients, Sterling Capital Management strives to: Deliver strong investment performance and exceptional service Foster a work environment built

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

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

A wealth management firm centered on our clients individual needs.

A wealth management firm centered on our clients individual needs. A wealth management firm centered on our clients individual needs. Why Eagle Strategies and why an Eagle Strategies Advisor? Our tools may be similar, but our attitude is different. Eagle Strategies was

More information

This is who/where we are

This is who/where we are This is who/where we are 1 Today s Presentation will include the following 2 I toyed with providing a definition of NOT-Financial Planning, but I hope that it will be evident from the remainder of our

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

Failure to implement a plan Failure to begin planning early Failure to organize financial records Failure to be informed and involved

Failure to implement a plan Failure to begin planning early Failure to organize financial records Failure to be informed and involved WHAT IS FINANCIAL PLANNING? Think of financial planning as a road map, a way to get from here to there in a designated time with the fewest detours and potholes. You undoubtedly have specific life goals,

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

Viridian FLEXIBILITY YOUR WAY

Viridian FLEXIBILITY YOUR WAY Viridian FLEXIBILITY YOUR WAY YOUR VIRIDIAN ACCOUNT EXPERIENCE THE DIFFERENCE Your Viridian Account is a premium, full-service, fee-based account offered by Raymond James, designed for clients investors

More information

Trinen Wealth. There s Wealth in Our Approach. 3003 East Harmony Road Suite 400 Fort Collins, CO 80528

Trinen Wealth. There s Wealth in Our Approach. 3003 East Harmony Road Suite 400 Fort Collins, CO 80528 Trinen Wealth Management Group There s Wealth in Our Approach. 3003 East Harmony Road Suite 400 Fort Collins, CO 80528 Phone: (970) 282-6565 Toll Free: (888) 300-0143 Fax: (970) 206-1464 www.rbcwmfa.com/michael.trinen

More information

AIFP. Accredited Investment Fiduciary Professional. Accredited Investment Fiduciary Professional THE BENEFITS OF CHOOSING AN A MATTER OF TRUST:

AIFP. Accredited Investment Fiduciary Professional. Accredited Investment Fiduciary Professional THE BENEFITS OF CHOOSING AN A MATTER OF TRUST: THE BENEFITS OF CHOOSING AN A MATTER OF TRUST: Accredited Investment Fiduciary Professional DESIGNEE AIFP Accredited Investment Fiduciary Professional Who is Looking After Your Best Interests? EFFECTIVE

More information

LEADING WEALTH ADVISOR Q& A

LEADING WEALTH ADVISOR Q& A LEADING WEALTH ADVISOR Q& A Vogel Consulting is an independent multifamily office (MFO) offering an integrated approach to wealth management. We are structured to perform as your private family office,

More information

Goals-Based Wealth Management

Goals-Based Wealth Management Goals-Based Wealth Management Achieving an Appropriate Balance www.appropriatebalance.com / 888.451.0499 Introduction The Appropriate Balance approach - Goals- Based Wealth Management - is a process based

More information

Johnson & Gilliss Wealth Management Group

Johnson & Gilliss Wealth Management Group Johnson & Gilliss Wealth Management Group Engagement Proposal Prepared by: J. Michael Johnson, CLU E. Neil Gilliss, MBA, CFP 107 South 1st Street Richmond, VA 23219 804-788-1011 michael@johnsonandgilliss.com

More information

The path to financial independence. SM. Wealth Management Services

The path to financial independence. SM. Wealth Management Services The path to financial independence. SM Wealth Management Services 1 st Portfolio s integrated services featuring Wealth Connect TM are custom-built to address the unique needs of wealthy individuals and

More information

Financial Adviser Interview Questionnaire

Financial Adviser Interview Questionnaire Financial Adviser Interview Questionnaire 1. Why did you become a financial planner? To help people make financial and investment decisions with confidence. We are dedicated to providing assistance without

More information

Mutual Funds Page 1 MUTUAL FUND BASICS

Mutual Funds Page 1 MUTUAL FUND BASICS Mutual Funds Page 1 MUTUAL FUND BASICS CHOOSING A MUTUAL FUND REQUIRES CAREFUL THINKING ABOUT NUMEROUS FACTORS. THE MOST IMPORTANT OF THESE TO CONSIDER INCLUDE YOUR INVESTMENT OBJECTIVES, RISK TOLERANCE

More information

TRUST INTEGRITY SERVICE

TRUST INTEGRITY SERVICE TRUST INTEGRITY SERVICE Nothing is more important to us than maintaining the trust that exists between client and advisor. Christopher Rand, MSFS, CFP, AIF, CLU Partner Personal CFO Built on a Foundation

More information

Should You Hire. Financial Planner? Have you ever asked yourself the. Chapter 5. What Is a Financial Planner? Do You Need a

Should You Hire. Financial Planner? Have you ever asked yourself the. Chapter 5. What Is a Financial Planner? Do You Need a Chapter 5 Should You Hire A Financial Planner? P l a n n i n g A h e a d F o r R e t i r e m e n t Have you ever asked yourself the question, Do I need a financial planner? It may be more appropriate to

More information

Why You Should Choose

Why You Should Choose Why You Should Choose A CERTIFIED FINANCIAL PLANNER PRACTITIONER CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC. Choosing a financial planner may be one of the most important decisions you make for

More information

PERSONAL FINANCIAL PLANNING

PERSONAL FINANCIAL PLANNING PERSONAL FINANCIAL PLANNING A GUIDE TO STARTING YOUR PERSONAL FINANCIAL PLAN THE CERTIFICATION TRADEMARK ABOVE IS OWNED BY CERTIFIED FINANCIAL PLANNER BOARD OF STANDARDS, INC. IN THE UNITED STATES AND

More information

Plan on reaching your financial goals

Plan on reaching your financial goals Work with a CERTIFIED FINANCIAL PLANNER TM professional Plan on reaching your financial goals Let a CFP professional be your trusted guide As an investor, you have short- and long-term goals you would

More information

Understanding the different types of fiduciaries

Understanding the different types of fiduciaries Understanding the different types of fiduciaries Scott Simon, Principal, Prudent Investor Advisors Scott Pritchard, Managing Director, Advisors Access, Capital Directions Rich Lynch, COO, fi360 Outline

More information

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

ALL To g e Th e R. DIFFe Re NT.

ALL To g e Th e R. DIFFe Re NT. ALL To g e Th e R. DIFFe Re NT. At Acorn Financial Services, our dedicated, knowledgeable, and experienced team of financial professionals strives to meet the needs of our business, individual, and family

More information

Investment Stewardship Service

Investment Stewardship Service Investment Stewardship Service for Endowments, Foundations and Institutional Portfolios Comprehensive Investment Consulting Including Non-Discretionary, Discretionary and Outsourced Chief Investment Officer

More information

Jack A. Biedebach CERTIFIED FINANCIAL PLANNER, 714-912-1859 www.jbgwm.com Jackbiedebach@jbgwm.com 2300 E. Katella Ave, #400, Anaheim, CA 92806

Jack A. Biedebach CERTIFIED FINANCIAL PLANNER, 714-912-1859 www.jbgwm.com Jackbiedebach@jbgwm.com 2300 E. Katella Ave, #400, Anaheim, CA 92806 Jack A. Biedebach CERTIFIED FINANCIAL PLANNER, 714-912-1859 www.jbgwm.com Jackbiedebach@jbgwm.com 2300 E. Katella Ave, #400, Anaheim, CA 92806 Meet Jack Biedebach As an independent LPL Financial Advisor,

More information

Investment Services. Wealth and Investment Management

Investment Services. Wealth and Investment Management Investment Services Wealth and Investment Management Contents Important information 3 A better vantage point for a clearer picture 5 Investment Philosophy 7 Investment Services 9 Advisory Services 10 Discretionary

More information

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, Financial Advisor at Morgan Stanley As the financial world becomes more complex

More information

Plan Confidently Invest Wisely Live Fully

Plan Confidently Invest Wisely Live Fully Plan Confidently Invest Wisely Live Fully Our clients are up to something big. They are interested in making a difference for themselves, their families and their communities. Your Challenges and Responsibilities

More information

Investment Counselling Program

Investment Counselling Program Investment Counselling Program To us there are no foreign markets. N19 70 56 W155 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to

More information

Early on, your needs were simple. The memory of

Early on, your needs were simple. The memory of Client Guide Early on, your needs were simple. The memory of investing your first hard-earned dollars is etched in your mind. As you established yourself and began to experience success, your needs changed.

More information

Mackenzie private wealth program. investor Guide

Mackenzie private wealth program. investor Guide Mackenzie private wealth program investor Guide securing your wealth As your financial wealth grows, new possibilities open up in investment strategy, cost effectiveness, tax and estate planning, and

More information

When Judging Financial Advisers, Look Beyond the Annual Return

When Judging Financial Advisers, Look Beyond the Annual Return When Judging Financial Advisers, Look Beyond the Annual Return Susan Fulton, founder of FBB Capital Partners, at her office in Bethesda, Md., on Thursday. She uses software that tracks how often her clients

More information

ProFocus Incorporated

ProFocus Incorporated ProFocus Incorporated General Information and Disclosure Statement THIS DOCUMENT HAS BEEN FILED WITH THE ARIZONA CORPORATION COMMISSION SECURITIES DIVISION AND IS GIVEN TO EACH NEW PERSPECTIVE CLIENT AS

More information

Comprehensive Wealth Management. Clarity. It changes everything.

Comprehensive Wealth Management. Clarity. It changes everything. Comprehensive Wealth Management Clarity. It changes everything. WHO WE ARE Knowing that you have a plan for your personal finances and retirement frees you to pursue your passions. At Avier, we take the

More information

Why Work With a Financial Advisor?

Why Work With a Financial Advisor? Why Work With a Financial Advisor? Making Investment Decisions is Tougher Than Ever Today These are exciting and complex times to invest. Today s financial marketplace offers you about 15,000 U.S. stocks,

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