Ferguson & Associates

Transcription

1 Ferguson & Associates

2 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 Corp.). Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. Our Approach Since 1983, high-net-worth clients have turned to us to guide them on their wealth and investments, so they can focus on enjoying the life they ve built for themselves. Andy Ferguson, CFP, CIMA, ChFC SENIOR VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER

3 Our approach to financial relationships is long-term and highly individualized At Ferguson & Associates, we understand that the key to creating long-term financial strategies with you is operating with the transparency that fosters your trust. To be truly transparent, we communicate with you and conduct regular reviews to keep you informed and up-to-date. Transparency fosters a healthy working relationship in the short term and builds a strong foundation for the long term. It smooths the way for working with multiple generations in a single family and makes it possible for us to operate in Las Vegas, yet work with clients in more than a dozen states across the country. Discovery is another essential element of our approach. We spend time with you up front to better develop a detailed picture of your life and the lives of the people important to you. We take a snapshot of your financial life, help you craft an individualized investment strategy that guides your investment approach, then help you implement that strategy. Andy is a qualified portfolio manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his 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 his strategies on a discretionary basis. w w w.fa.ml.com/ferguson 3

4 Managing Wealth The Merrill Lynch wealth management process helps us and you understand your objectives, goals, liquidity needs, time horizon and tolerance for risk. It also helps us anticipate your needs and be proactive throughout our relationship. Andy Ferguson, CFP, CIMA, ChFC SENIOR VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER

5 We believe all successful long-term investing is goal-oriented and strategy-driven Part of what makes Ferguson & Associates different is a simple, direct idea that factors into everything we do: Clients are people, not portfolios. Remembering this, we re able to focus our attention on helping you align your portfolio with your long-term interests, as well as those of your family and your business. Your individualized investment strategy is an outgrowth of this idea. It defines how we work together to help you get from point A to point B from where you are today, in terms of retirement planning, to where you want to be. When we begin working together, we ll help you establish your time horizon: How long does your portfolio have to grow before you start withdrawing funds? The answer gives us a starting point and determines the kind of long- and short-term investment vehicles we ll suggest and the expectations we ll have of them. With your time horizon defined, along with your risk tolerance, liquidity needs and investment objectives, we ll create with you an investment strategy. We use our experience and insights to guide your investment approach, and will carefully identify, evaluate and monitor your investment holdings, making sure that we report results to you regularly. w w w.fa.ml.com/ferguson 5

6 Our Philosophy When assessing your retirement income needs, we look at what s important in your life and help you structure an investment strategy that has those needs as its primary focus. At the same time, we can identify investments that fit your risk profile and are designed to keep you moving toward your goals. Andy Ferguson, CFP, CIMA, ChFC SENIOR VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER

7 The value of working with a team of financial professionals Technology has made it all too easy for you to manage your own investments using any number of resources. But technology is a tool; it does not encourage a disciplined approach to investing, or offer proactive ideas on how to preserve or grow your wealth to meet your own objectives or for the next generation. At Ferguson & Associates, we believe it s important to have a team of professionals with credentials and experience help you guide your investments professionals who have a commitment to spending the time necessary to help keep you on track toward your goals. With your financial objectives in mind, Andy can recommend long-term investments and examine potential strategies that may be appropriate from one generation to the next. From the relationships we build together, to the investment strategy Andy crafts with you, to the performance reviews we conduct with you, we want to be your financial team. As such, we can help you resist the emotional extremes stirred by fluid markets. Whether you re euphoric about a market that is moving up or unhappy about one going down, we can help you remain patient and disciplined, two traits we believe are necessary for you to actively pursue your long-term goals. w w w.fa.ml.com/ferguson 7

8 Personal Service We strive to provide clients with the highest level of service, dedicating the time, energy and experience it takes to help them develop and pursue their vision of the future. Rhonda O Brien REGISTERED SENIOR CLIENT ASSOCIATE

9 Proactive, high-level personal service and a dedication to clients Andy focuses on long-term wealth management because it serves your generation and those to come. Whatever your goal maintaining your lifestyle in retirement, educating your loved ones, establishing your legacy he can help you create individualized strategies designed to get you there. While the team believes in the value of regular communication, personal attention and periodic performance evaluations, we strive to bring you a far higher level of service, as well as a dedication to being hands on, detail oriented and proactive in these and other areas: With access to the investment insights of Merrill Lynch and the banking convenience of Bank of America, we continue to identify strategies that can refocus your financial life, helping you pursue your goals and financial objectives as they shift over time. With your permission, we will coordinate with your other professional advisors such as attorneys and accountants to help your family make progress toward its long-term goals. We will regularly schedule meetings to review your progress and discuss potential changes that might be dictated by significant liquidity or life events. w w w.fa.ml.com/ferguson 9

10 The Ferguson & Associates Difference It s easy to say our goal is to help clients meet theirs. It s much more important to see it through, with the way we conduct ourselves and stay with clients throughout their lives. Andy Ferguson, CFP, CIMA, ChFC SENIOR VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER

11 Our commitment to families who choose to work with us is simple At Ferguson & Associates, we feel genuinely connected to your financial life and we re going to care about you and be devoted to your financial future. Our relationship grows from a simple handshake to spending time getting to know you and your family. From understanding your financial objectives and personal goals to asking questions that push us closer to the insights and answers we need. From creating with you your individualized financial strategy to finding solutions that can work within it. Together, these steps comprise much of the work we do on your behalf. They represent our commitment to you and it will continue for future generations. We welcome the opportunity to bring our extensive experience to bear on your family s circumstances and to work to make a positive difference in your life. w w w.fa.ml.com/ferguson 11

12 Meet the Team At Ferguson & Associates, we pride ourselves on the high level of personal service we provide. The strategies that we create with you are carefully researched and customized to reflect your financial objectives, goals and aspirations. We practice a long-term investment approach that is tailored to your personal outlook. Our experience is deep. Our perspective is fresh. Our commitment is solid.

13 Andy Ferguson, CFP, CIMA, ChFC SENIOR VICE PRESIDENT WEALTH MANAGEMENT SENIOR FINANCIAL ADVISOR PORTFOLIO MANAGER Andy founded Ferguson & Associates, based in Las Vegas, Nevada, to provide individualized attention and customized services for select clients in need of multigenerational financial advice and guidance. He joined Merrill Lynch in Andy is a qualified Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his 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 his strategies on a discretionary basis. In 2015, Barron s included Andy on its list of Top 1,200 Advisors in the United States. With more than 32 years of experience in creating customized financial strategies and estate planning services at Merrill Lynch, he holds the CFP certification awarded by the Certified Financial Planner Board of Standards, Inc. as well as a Chartered Financial Consultant (ChFC ) designation. His bachelor s degree in finance is from the University of Arizona and he received his Certified Investment Management Analyst (CIMA ) designation from the Wharton School at the University of Pennsylvania. He has served as Chairperson of the Merrill Lynch Advisory Council to Management (ACTM), where he represented the interests of financial advisors and clients in collaboration with the senior management of the firm. He also served as an industry arbitrator for the National Association of Securities Dealers (NASD) between 1994 and Andy has been a Las Vegas resident for over a quarter century and has maintained an active role in the community. He is past president of the Boys and Girls Clubs of Las Vegas Foundation and has served on the advisory committee for the Marty Hennessy Junior Tennis Foundation. In addition, he is a member of the UNLV Planned Giving Advisors Council and the University of Arizona President s Club. He has three adult sons and is married to wife Terri. w w w.fa.ml.com/ferguson 13

14 Rhonda O Brien REGISTERED SENIOR CLIENT ASSOCIATE rhonda_obrien@ml.com Rhonda manages all administrative and operational functions for Ferguson & Associates and is often the first line of client contact. She has excelled in her job and plays a vital role in the team s commitment to providing an unparalleled client service experience. Rhonda has had experience in various roles within the financial industry over the past 27 years. She began her career in corporate syndicate at another business in 1987, providing marketing support for initial public security offerings. She also spent several years working in the trading department at a regional New England company. In 1991, Rhonda joined Merrill Lynch. Rhonda was born in New Hampshire and has lived in a variety of other places, too, such as Vermont, California, Florida and Germany. Rhonda is an avid New England sports fan and enjoys horseback riding, quilting, cooking and reading. She also enjoys spending quality time with her daughter, Ashley. Patty Yeager REGISTERED CLIENT ASSOCIATE patty.yeager@ml.com Patty leads the business management of Ferguson & Associates, with additional focuses including executing trades and client review preparation. Her processdriven style has served her well in her extensive experience in financial services that began in Prior to joining Ferguson & Associates, she was a manager with Merrill Lynch Credit Corporation in Jacksonville, Florida, and a commercial lending specialist in Los Angeles, California. Patty relocated to Las Vegas in 2000 as a member of the Merrill Lynch Southwest Regional management team. She holds a bachelor s degree in finance and management and an MBA. Patty is the mother of four children and took a professional hiatus to raise three sons and a daughter before returning to Merrill Lynch and Ferguson & Associates in She is an active volunteer for the Meadows School in Las Vegas and also devotes her time to her dual passions of nutrition and fitness. 14

15 Additional Services Rich Orleck* VICE PRESIDENT MERRILL LYNCH BANKING ADVISOR BANK OF AMERICA, N.A. You may also benefit from the experience of a Merrill Lynch Banking Advisor from Bank of America, N.A., who can provide strategic and personalized banking guidance focused on your needs. Working together, your Financial Advisor team and Merrill Lynch Banking Advisor can draw upon an expansive array of cash management, credit and other lending solutions designed to fit into your overall financial strategy and help you pursue your financial objectives. Rich Orleck, Vice President, Merrill Lynch Banking Advisor, supports your Financial Advisor team. Rich joined Bank of America in Rich is married to fellow New Jersey native Melissa. *Denotes that this person is a shared resource and relationships are subject to change

16 Call, or visit our Web site for further information. Ferguson & Associates Tivoli Village 400 South Rampart, Suite 300 Las Vegas, NV Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation and diversification do not ensure a profit or protect against a loss in declining markets. 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. 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. Barron s magazine, Feb. 23, 2015, Top 1,200 Advisors list. Advisors considered for the America s Top 1,200 Advisors: State-by-State ranking have a minimum of seven years financial services experience and have been employed at their current firm for at least one year. Quantitative and qualitative measures used to determine the Advisor rankings include: client assets, return on assets, client satisfaction/retention, compliance records, and community involvement, among others. Barron s does not receive compensation from Advisors, participating firms and their affiliates, or the media in exchange for rankings. Barron s is a trademark of Dow Jones & Company, Inc. All rights reserved. L Merrill Lynch and the Bull Symbol are trademarks of Bank of America Corporation. Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP and CERTIFIED FINANCIAL PLANNER TM in the U.S. Investment Management Consultants Association (IMCA ) is the owner of the certification marks CIMA and Certified Investment Management Analyst. Use of CIMA or Certified Investment Management Analyst signifies that the user has successfully completed IMCA s initial and ongoing credentialing requirements for investment management consultants. ChFC and Chartered Financial Consultant are the property of The American College, which reserves the sole rights to its use, and is used by permission Bank of America Corporation. All rights reserved. ARY8M8J5 06/2015