A Different Kind of Wealth Manager

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1 A Different Kind of Wealth Manager BNY MELLON WEALTH MANAGEMENT OFFERS THE POWER OF A GLOBAL investment leader, the stability of 230 years experience, and the care and commitment of a wealth manager dedicated to the needs of private investors. That combination alone distinguishes us from other wealth managers, but is just one of the ways we set ourselves apart. Broadly defined, our key differentiators are: A Service Approach that Puts You at the Center A Commitment to Serving, Not Selling One of the Few Money Managers that Actually Manages Money Innovative, Forward-Looking Solutions and Culture Read more below about what sets us apart and why many of the world s most successful individuals and families turn to us for trusted investment and wealth management advice, enjoying relationships and results that exceed expectations, generation after generation.

2 A Service Approach that Puts You at the Center WE BELIEVE THAT EACH CLIENT S NEEDS AND GOALS ARE UNIQUE. That s why we put you at the center of everything we do, enabling you to capitalize on our unrivaled service approach: Team structure with a dedicated portfolio manager Your needs are met by a team of experts in investing, banking, tax, estate planning and other wealth management disciplines, ensuring you have access to whatever expertise you need. A senior portfolio manager leads your relationship, acting as your single point of contact and remaining fully accountable for your satisfaction. This approach enables us to maintain the personal service of an investment boutique while offering the power of a large, resourcerich firm. Fewer clients per advisor than other wealth managers Each of our senior portfolio managers serves only about 25 client relationships, enabling expert focus on each individual and family we serve and contributing to the 97% client retention rate we have maintained year after year. Customized services and solutions We customize our strategies and service approach based on your distinct objectives and circumstances, so you benefit from a plan and a relationship that are right for you. Whatever your situation planning for retirement, transferring wealth to the next generation, selling a company, going through a divorce, engaging in philanthropy we align our firm s best thinking on your behalf. Objective-Driven Investing BNY Mellon Wealth Management was at the forefront of implementing Objective-Driven Investing (ODI) for our clients. With ODI, your portfolio assets are directly and appropriately aligned to meet your distinct needs, both for maintaining your lifestyle and realizing your wealth transfer objectives. Drawing on the expertise of our entire investment team, ODI reflects our ability to deliver BNY Mellon s best strategies in the way that is most suited to you. Lower Client-to-Service Professional Ratio. Highest Client Satisfaction and Loyalty. 25:1 client/client-service-professional ratio 97% client retention rate one of the industry s highest 1 94% of clients are more than satisfied 2 96% of clients willing to refer to others 2 2

3 A Commitment to Serving, Not Selling A COMMITMENT TO OUR CLIENTS BEST INTERESTS not our own drives every aspect of what we do. This is true not only in our client service approach and advice, but also in how we manage investment strategies and in how we approach the practice of wealth management overall. For example, your portfolio manager s recommendations and decisions are driven solely by your wealth management objectives, not by commissions or quotas. We believe so strongly in this approach that our portfolio management teams are evaluated and compensated based on client satisfaction. In addition, unlike other firms, we maintain separation among our service, sales and investment strategy groups. This allows each professional to stay focused on contributing to your success in their particular area of expertise, with no conflicting demands or distractions. Your concerns and best interests guide everything we do, from our investment decisions, to the strategies we recommend, to our service approach. We promote full transparency and open communication in every client relationship. We make certain that you know which investments you hold and why you hold them, ensuring that our goals always reflect yours. We also remain direct and open in all communication. Jargon is non-existent; clarity and consistency are paramount. Clients dedicated portfolio managers accountable and compensated for client satisfaction and retention, not sales goals Our Client-First Focus Service, sales and investment management structured as separate, focused disciplines Fiduciary mindset applied to every recommendation and action Focus on after-tax, active portfolio optimization, customized to each individual client situation Best thinking of industry-leading investment organization applied most meaningfully for each client A Legacy of Visionary Leadership 3

4 One of the Few Money Managers that Actually Manages Money WEALTH MANAGERS THAT ACTUALLY MANAGE MONEY are increasingly rare. Instead, most advisors distribute or recommend the solutions of others. That s not true of BNY Mellon. We are one of the world s largest money managers, with more than $1.6 trillion in assets under management. Consequently, we offer a level of expertise and depth of resources no other firm can match. And we actually manage your investments, providing solutions that are typically available only to large institutional investors. In addition, we diversify and enhance our investment offerings by incorporating the insights and strategies of bestin-class third-party managers. Whether drawing on our own resources or leveraging the specialized proficiencies of others, we maintain full responsibility for investment selection, implementation and ongoing due diligence. As a result, you benefit from the best of all worlds, accessing opportunity wherever it lies while being able to depend upon an investment strategy developed and managed by one of the world s most prominent asset and wealth managers. Consequently, you gain the advantage of: Knowledge and experience that only a true asset manager can deliver, including unrivaled expertise across markets, asset classes and specialized investment disciplines Access to best-in-class managers and solutions that can quickly be developed, or adapted, and applied to capture emerging opportunities or navigate new risks The Industry s Most Comprehensive Services and Expertise Transparency into every investment decision, ensuring that the actions taken on your behalf are consistently aligned with stated goals, investment protocols and mandates Deep visibility into holdings to protect you against potential risks, tax or cost inefficiencies, and hidden concentrations at either security, sector or asset-class levels Full responsibility and accountability for the investments in your portfolio and the decisions behind them 8th largest global asset manager 3 Unrivaled Expertise. Unparalleled Resources. The insights and resources of our global asset management organization s investment strategists and analysts team of investment professionals, led by our own Chief Investment Officer, dedicated to interests of BNY Mellon Wealth Management clients Access to BNY Mellon s family of autonomous investment boutiques, each with their own style, strategy and management team Manager Research and Monitoring group dedicated to strategic selection, and rigorous oversight, of every investment strategy 4

5 Innovative, Forward-Looking Solutions and Culture WE ARE THE OLDEST PRIVATE BANK AND FIDUCIARY IN THE U.S. proof positive of our bedrock of strength, stability and trustworthiness. Yet, our past is merely a foundation for the innovative, forward-looking approach we take to managing wealth. Our visionary insights and ideas not only set us apart, but consistently put our clients at a distinct advantage. Whether developing a unique yield enhancement strategy for income-seeking clients, proprietary modeling tools that enable clients to visualize multiple planning options and potential outcomes, or mobile videoconferencing for greater client convenience, we never stop pursuing ways to offer our clients the first and the best. This is engrained in our DNA and evident in the industry recognition and, more importantly, client recognition we achieve year after year. Our pioneering spirit is evident across a broad range of unmatched capabilities, spanning Investment Management, Wealth and Estate Planning, Private Banking, Asset Servicing and Information Management. By continually integrating ground-breaking ideas with our proven resources and expertise, we have guided clients successfully through times of both prosperity and uncertainty. We are committed to continuing to do so over the coming years across market cycles and generations. First trust established in U.S. A Legacy of Visionary Leadership and Strength Among first organizations dedicated to serving the needs of family offices First stock traded on the NYSE Oldest U.S. private bank 7th largest wealth manager 4 World s largest custodian, caring for 20% of the world s securities 5 Safest U.S. bank, five years running 6 Ready for a Different Kind of Wealth Manager? Let s Talk. IF YOU RE READY FOR A DIFFERENT KIND OF WEALTH MANAGER, maybe it s time we spoke. Learn more about why some of the world s most successful individuals and families turn to BNY Mellon Wealth Management for trusted advice and a unique wealth management experience. 5

6 Endnotes 1 As of 12/31/ BNY Mellon Wealth Management 2013 Client Satisfaction Survey 3 Pensions and Investments, November 11, Barron s, September 16, Institutional Investor magazine, October 1, World s Safest Banks, Global Finance, 2013 This material is provided for illustrative/educational purposes only. This material is not intended to constitute legal, tax, investment or financial advice. Effort has been made to ensure that the material presented herein is accurate at the time of publication. However, this material is not intended to be a full and exhaustive explanation of the law in any area or of all of the tax, investment or financial options available. The information discussed herein may not be applicable to or appropriate for every investor and should be used only after consultation with professionals who have reviewed your specific situation The Bank of New York Mellon Corporation. All rights reserved. 6