SERVICE. LOYALTY. HONESTY. INTEGRITY.

Transcription

1 SERVICE. LOYALTY. HONESTY. INTEGRITY.

2 USAA WEALTH MANAGEMENT Since 1922, USAA s mission has been to facilitate the financial security of our members and their families. Our approach is built on a tradition of military values service, loyalty, honesty, integrity and of having our membership s best interests at heart. This is the foundation of USAA Wealth Management services.

3 USAA WEALTH MANAGEMENT Since 1922, USAA s mission has been to facilitate the financial security of our members and their families. Our approach is built on a tradition of military values service, loyalty, honesty, integrity and of having our membership s best interests at heart. This is the foundation of USAA Wealth Management services.

4 SERVICE. IT S IN YOUR ROOTS. AND IN OURS. SERVING GENERATIONS WITH UNWAVERING COMMITMENT. As part of an organization founded upon the values of service, loyalty, honesty and integrity, it s only fitting that we at USAA Wealth Management should be so committed to providing you with financial products and exceptional service. Our Wealth Management advisors and CERTIFIED FINANCIAL PLANNERS will help you build a financial plan that provides truly integrated, strategic solutions for you and your family. This plan and our insights can help guide you through even the most challenging times. We ll help you analyze your situation, maximize your resources and plan for what lies ahead. We are committed to helping you determine how to provide for your family s financial needs throughout the years.

5 THERE S NO SUBSTITUTE FOR A PERSONAL CONVERSATION. FINANCIAL PLANNING PROCESS. How we build a plan around you: 1. Get to know you 2. Personalize your plan 3. Help implement and monitor your plan EXPLORING. LISTENING. EDUCATING. We believe it is critical for our members to start with a comprehensive financial plan. We build and manage a personalized financial plan that incorporates all your needs and goals. We discuss how all your decisions affect each of your goals, and how they affect your entire family for generations. It all starts with three steps. 1. Discovery Planning Process What motivates you? How do you prioritize? In order to view your financial situation from the best possible perspective, our Discovery Planning Process involves these and other topics in a straightforward, in-depth conversation prior to offering any advice. This is our opportunity to get to know you so that we may personalize your plan to your needs. 2. Build Your Plan Next, we build your plan according to your goals. Your plan may include: Analysis of net worth, cash flow, and income taxes An in-depth review of your retirement, estate planning and insurance needs Strategies to manage risk and maximize your potential investment returns 3. Implement Your Plan Then we help you implement your plan. Rather than provide you with a predefined package of recommendations, we ll take the time to explain your various choices, and describe how they relate to your specific investment style and goals. This will enable you to make more confident, informed decisions. Through this three-step process, we can help ensure that you receive the most relevant, most customized combination of resources.

6 WE LL HELP OUR TEAM APPROACH ENSURE YOUR PLAN KEEPS PACE WITH YOUR CHANGING LIFE. FINANCIAL PLANNING ASSET MANAGEMENT ESTATE PLANNING & WEALTH TRANSFER PROACTIVE, ONGOING CONSULTATION. You will receive guidance from a trust, and deepens over time. We ll build and manage your plan. team of financial advisors led by proactively reach out as needed They will also work with your an experienced wealth manager. to make adjustments based on outside personal advisors as If your combined USAA assets market events. And at the end of necessary because we firmly TRUST SERVICES YOUR WEALTH MANAGER INSURANCE & RISK exceed $1 million, you will receive service from a single, dedicated advisor. Your advisor will track your needs the year, we will conduct a more comprehensive annual review. Each wealth manager works with teams of USAA professionals to believe the team approach is in your best interest. in a relationship that is built upon BANKING YOUR PERSONAL OUTSIDE ADVISORS

7 WE PROVIDE LIFELONG GUIDANCE TO INDIVIDUALS WHO VALUE ADVICE. GUIDANCE AND SOLUTIONS FOR EVERY STAGE OF LIFE. USAA provides a suite of integrated solutions to address even the most complex planning needs, from education to retirement to long-term care. Evolving Goals We just got engaged. How much of our combined income should we be saving toward our long-term retirement goals? Health Challenges I m healthy now, but what if that changes? How can I prepare for the unexpected? Market Unpredictability I feel paralyzed by market ups and downs. Can you help me with market volatility? A Growing Family How can I invest in my grandkids future? Higher Education How can we save for college without derailing our long-term savings? Money for Retirement Now that I m retired, how can I make my money last? Preserving Your Legacy I ve worked hard to build a financial legacy. How can I transfer it safely to my heirs, now and after I m gone?

8 USAA IS COMMITTED TO SERVING THOSE WHO SERVE. A UNIQUE UNDERSTANDING OF MILITARY LIFE. USAA can help you and your family make the most of your military benefits, whether you re currently serving or have previously served. We understand. Because we ve been there. Retiring From the Military How long will my current retired pay program last? Transitioning to Civilian Life Should I leave my TSP alone or roll it into an IRA? Retiring From Your Second Career How do I update my retirement plan based on my new income? Protecting Loved Ones What are my post-retirement benefit options?

9 OUR TEAM APPROACH IS PART OF WHAT MAKES USAA UNIQUE. FOCUSED ON THE FUNDAMENTALS. Our wealth managers are guided by Process three core principles Philosophy, The members of the USAA Process and People and they Investment Strategy Group work directly with our team of meet weekly to assess the portfolio managers and investment markets, share research and analysts to assist you. opinions, and leverage their collective brainpower to build Philosophy uniquely diversified portfolios. 3 It s important to us that we achieve These investments are closely results that compensate investors monitored to guard against for the risk they re taking. That exposure to any single means we don t swing for the risk factor. fences or pursue fads. People While some investment firms are carved into independently operating organizations that serve different groups of investors, USAA takes a different approach. Rather than splitting our expertise into silos that may stifle communication, we collaborate across the investment spectrum, which means our thinking and experience are applied to all our portfolios, not just a select few. 3 Diversification does not guarantee a profit or prevent a loss. U S A A W E A LT H MANAGEMENT BENEFITS. Access to USAA Wealth Management services is available to those with $1 million or greater in total qualified assets with USAA. Financial planning services. Members receive a Comprehensive Financial Plan, a detailed investment assessment, and ongoing financial consultations. A range of investment choices. Our advisors provide expert guidance that includes access to both USAA and non-usaa products. All choices are designed to address the goals and objectives of each specific member. Proactive, customized service. Advisors will proactively track and monitor your plan and provide a more comprehensive annual review. Helpful resources. Every member enjoys access to exclusive seminars and special events.

10 WE RE READY TO EVEN MORE SOLUTIONS, BACKED BY OUR EXCEPTIONAL SERVICE. HELP YOU WITH YOUR FINANCIAL GOALS. When you consolidate your financial accounts with USAA, you benefit from convenience, speed, and efficiency not to mention electronic access to accounts. 4 Choose from several solutions designed to help you with your goals: Managed portfolios Annuities CDs Trust services Life insurance Property insurance Mortgage Rewards credit cards BETTER PLANNING BEGINS NOW usaa.com We are ready to help you with your Manage and monitor account goals. Call today to arrange an information, transfer funds, trade appointment with a USAA wealth stocks and mutual funds, set up manager. You can meet by phone personal preferences regarding or in person; USAA now has offices electronic statements and in several major cities across the confirmations. country. mobile.usaa.com Check account balances, transfer funds, pay bills, view insurance policies, get stock quotes and place stock orders 24 hours a day virtually anywhere with your mobile web browser. 5 For more information, visit usaa.com/mobile. Scan this QR code with your smartphone to learn more about USAA s products and services and to download our mobile app. And to help provide protection for you, your loved ones, and your belongings, we offer a variety of life, property and casualty products plus strategic guidance to help you apply them to your specific situation. 4 There may be tax consequences associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation. 5 System availability, account access and trade executions may vary due to network availability, market volatility and other factors. Investments/Insurance: Not FDIC Insured Not Bank Guaranteed May Lose Value USAA or its affiliates do not provide tax advice. Taxpayers should seek the advice based on their own particular circumstances from an independent tax advisor. Use of the term member does not convey any legal, ownership, or eligibility rights for property and casualty insurance products. Ownership rights are limited to eligible policyholders of United Services Automobile Association. Purchase of a non property and casualty insurance product, or an insurance policy offered through USAA General Agency, does not establish eligibility for or membership in USAA property and casualty insurance companies. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP and CERTIFIED FINANCIAL PLANNER in the United States, which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. USAA means United Services Automobile Association and its affiliates. USAA Wealth Management is a service of USAA. Property and casualty insurance provided by United Services Automobile Association, and its affiliate property and casualty insurance companies and is available only to persons eligible for P&C group membership. Investments provided by USAA Investment Management Company and USAA Financial Advisors, Inc., both registered broker dealers. Financial planning services and financial advice provided by USAA Financial Planning Services Insurance Agency, Inc. (known as USAA Financial Insurance Agency in California), a registered investment advisor and insurance agency and its wholly owned subsidiary, USAA Financial Advisors, Inc., a registered broker dealer. USAA Managed Portfolios is a service of USAA Investment Management Company (USAA), a registered investment adviser and broker dealer. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, N Y. Each company has sole financial responsibility for its own products. USAA Life General Agency, Inc. (LGA) (known in CA and N Y as USAA Health and Life Insurance Agency), acts as an agent for select insurance companies to provide additional products to USAA members. Plans not available in all states. Trust Services offered by USAA Federal Savings Bank. Credit cards provided by USAA Savings Bank, other bank products by USAA Federal Savings Bank, both Member FDIC. Our Wealth Management Advisors receive no commissions. They are compensated through a base salary plus incentive program.

11

12 We know what it means to serve. Investment/Insurance: Not FDIC Insured Not Bank Issued, Guaranteed or Underwritten May Lose Value Our wealth management advisors receive no commissions. They are compensated through a base salary plus incentive program. USAA Wealth Management is a service of USAA. USAA means United Services Automobile Association and its affiliates USAA