Another step on the path to success. Portfolio Management Services

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Sharyl Allen
10 years ago
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1 Another step on the path to success Portfolio Management Services

2 Will you get where you want to go? These days, the path to investment success is rougher and more rugged than ever. How do you know if you re diversified enough? Should you adjust your asset allocation? How much risk are you taking? What stocks or bonds should you buy? For more than 80 years, First Financial Wealth Management has been developing and managing comprehensive investment strategies to serve our client s lifelong issues of accumulating, preserving and transferring their wealth. Our disciplined investment process ensures a consistent and repeatable approach that takes the emotion out of investing. As a result, your portfolio s long-term performance is less likely to be sabotaged by short-term anxiety or exuberance. As a division of First Financial Bank, N.A., our culture is rooted in personal service. Phone calls and s are fine but they are no substitute for dedicated personal service. We believe having an unbiased, experienced investment professional dedicated to your success could make all the difference in achieving your financial goals. Personal Service First Financial Wealth Management is a division of First Financial Bank, N.A., offering investment management and trust services. The services offered by First Financial Wealth Management are: NOT Deposits NOT Insured by FDIC or any other government agency NOT GUARANTEED by the bank Subject to risk and may lose value Comprehensive Solutions Disciplined Investment Process

3 Comprehensive Construction Quality Flexibility Our investment philosophy: Manage risk, focus on quality, stay flexible. Our investment approach is designed to best help you achieve your long-term goals. Quality 2 Emphasize quality: Invest for the long term. We define quality as highly profitable companies with strong balance sheets and effective 1 Comprehensive portfolio construction: Cast a wide net to manage risk. We believe a diversified investment strategy helps ensure Comprehensive Construction management teams. Over the long term, we believe this focus provides the opportunity for strong risk-adjusted returns. the appropriate mix of stocks, bonds and alternative investments to enhance returns and Portfolio reduce risk. 3 Flexibility: Stay on the road, but go where it bends. We believe in the importance of a flexible investment process over a buy-it-and-forget- Flexibility it approach. This gives us the ability to be opportunistic for our clients as market conditions change.

4 Above Average Growth Below Average Risk Our investment process: A fully integrated, value-seeking approach. At First Financial Wealth Management, our multi-layered approach helps us produce carefully crafted investment portfolios. Client objectives. Our process begins with understanding our clients. We take inventory of your goals, preferences, and risk profile to develop a customized financial plan. Asset allocation. Execution of that plan then begins by identifying the right long-term mix of stocks, bonds and alternative investments designed to enhance returns and reduce risk. With this long-term allocation serving to anchor our decision making, we adjust the mix to account for market conditions we expect over the intermediate term. Active/passive exposure. Taking a blended approach, we incorporate both passive and active management in our process. In this way, our mutual fund and stock holdings offer potential for value-creating returns while our exchange-traded fund holdings lower portfolio expenses, enhance income and offer tax efficiency. Security selection. Our security selection process provides us with a repeatable, multi-step approach to conducting due diligence on securities long before they make it into our clients portfolios. In simple terms, this process provides us with an understanding of how and why a security has behaved in the past so that we have a reasonable expectation as to the role it will play in the portfolio going forward. > > risk profile Client Objectives income needs liquidity needs time horizon existing portfolio Inventory and assessment of client s current position > Ongoing Monitoring and Communication > net worth tax bracket Asset Allocation cash stocks commodities bonds real estate Long-term allocation adjusted for current market conditions alternatives Active/Passive Exposure tax efficiency income performance potential expenses balance Enhance performance, lower expense, improve tax efficiency, increase income > > Security Selection bonds ETFs mutual funds stocks Understanding the what, why and how in the security evaluation process > >

5 Planning Your Success Guidance integrated with your goals. Your Wealth Management Advisor participates on the Investment Committee with our investment strategy team a collaborative effort designed to encourage best ideas and to ensure our clients goals are being achieved. Client Objectives Investment Officer Financial Planner Fully Integrated Investment Approach Client Focused Solutions Portfolio Construction Dedicated Portfolio Management Team Equity Fixed Income Portfolio Strategy Trust & Legacy Goals Trust Officer

6 Your Local Resource A service of First Financial Wealth Management. As a First Financial client, you have access to all the planning, portfolio management and legacy creation services of our Wealth Management team. From holistic planning solutions to sophisticated portfolio strategies to tax-efficient trust structuring, our team of highly experienced trust officers, investment officers, wealth planners and support staff are prepared to help you continue on the path to success. Please call to learn how First Financial Wealth Management can help guide you on the path to success. Our promises to you. We promise always to be looking ahead. We promise to keep things simple. We promise to make doing business with us easy for you. We promise to be a leader to constantly innovate and improve so we can serve you better. We promise to provide sound financial advice that focuses on you. We promise to honor all our commitments with integrity, fairness and impartiality.

7 First Financial Wealth Management First Financial Wealth Management, a division of First Financial Bank, N.A., has been creating and implementing comprehensive wealth solutions for more than 80 years. Our team of professionals will work with you to develop holistic planning solutions, sophisticated portfolio strategies and tax-efficient trust structuring to support your financial goals and help you take another step on the path to success. First Financial Center 255 East Fifth Street, Suite 800 Cincinnati, OH First Financial Bank, N.A.

Diversified Managed Allocations

Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to