Financial Planning. at Janney Montgomery Scott

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1 Financial at Janney Montgomery Scott W e a l t h M a n a g e m e n t

2 Your life consists of stages. We see it and help you plan for it as a continuous timeline.

3 Financial at Janney Montgomery Scott Living well in the future relies on planning well today and planning well begins with the professionals at Janney Montgomery Scott. We consider your entire financial picture, not just a part of it. Your life consists of stages. We see it and help you plan for it as a continuous timeline. Most importantly, we view you in your entirety: as a person and as a professional, as an investor and as an individual. When does financial planning begin? It can be as soon as when you start your first job, have your first child, transition careers or at any moment when you begin planning for the future. As your life changes and you move from one stage to another, we can help you reevaluate your plan to meet those changes and the needs they create. Whether it is for you as an individual, your family or for your business, Janney s Financial team provides a full life-spectrum of advice and service, helping you to develop an appropriate strategy with a firm foundation in the present and the flexibility to adjust as your life and circumstances evolve. 1

4 For Every Stage Of Your Life No matter where you are in life or where the people who matter the most to you are in their lives Janney is pleased to provide a broad range of financial planning services that can address your current and future needs and goals. Saving for college. Saving for a home. Starting a business. Preparing for retirement. for the transfer of wealth. Whether it is today or tomorrow, for you or your loved ones, whatever is important to you is important to us. Janney is your trusted adviser for generations. The Financial Process: Getting To Know You And Your Needs Whatever is important to you is important to your financial plan your family, home, children s education, job and more. Understanding your finances is one part of the financial planning process. Understanding you is the most crucial. We take into consideration all of the aspects of your life to help you effectively plan to meet current needs while staying focused on your future objectives. Our process has many steps, but its foundation is simple: A strong relationship between us, built on mutual understanding and agreement A comprehensive approach that uses in-depth analysis of each area of your life to tailor a plan to your needs An implementation strategy to ensure that your needs and wishes are carried out with the sufficient and appropriate actions and investment vehicles Ongoing plan monitoring and review to ensure that your plan continues to meet those needs and to make any necessary adjustments Access to Experienced Specialists Janney s Financial team is comprised of estate and tax attorneys, CERTIFIED FINANCIAL PLAN- NERS TM (CFP ), Certified Public Accountants (CPA) and other professionals. They partner with the Firm s Financial Consultants and your experts to provide seamless service. They possess extensive experience in working with clients and their other financial and legal advisers to help design and implement the most complete plan to help those clients meet their goals and aspirations. Financial Services Comprehensive Financial Plan Development Wealth Management Retirement Income Cash Flow Education Risk Estate Business Succession Benefits Allows you to develop an overall portrait of yourself as an individual and an investor which will be used to create a financial plan and strategy suitable for your present and future goals. Helps you to achieve your financial goals without sacrificing your lifestyle or posing undue risks to your investment assets. Lets you define your retirement goals, learn about plan options and develop a strategy to help ensure a comfortable retirement. Allows you to create a plan that will provide you with a regular stream of retirement income, manage the distribution of your hard-earned savings and help to avoid outliving your assets by continuing to grow your money during retirement. Gives you the ability to determine where your money is currently allocated to uncover greater savings and tax opportunities. Helps you identify your educational costs and considerations and develop a plan to fund these expenses without compromising your existing lifestyle. Assists you in protecting your family and resources by determining the amount of insurance protection and/or long-term medical care you need in the event of illness, injury, disability or death or against property loss. Ensures that your wealth will be transferred according to your wishes and in a timely manner, with minimum tax implications to your heirs. Helps you to identify goals, strategies and actions to safeguard the survival and growth of your business in the event of your untimely death, disability or retirement. 2 Wealth Management at Janney

5 Financial Five Steps To Your Future Janney s five-step process allows us to help you express your needs so we can best address them together. Research The first step in setting the course to your financial future is to help you identify and prioritize your goals, both short- and long-term. We also consider a number of other factors, such as investment time horizon and risk tolerance. Next, we help you take an inventory of your financial resources, including all of your assets, liabilities, sources of income and other pertinent financial items. Your goals may include: Preparing for retirement Education planning Wealth accumulation Wealth preservation Analysis With your goals in hand, we can analyze and evaluate your current financial resources and situation, such as investment cash flow, net worth, insurance policies and tax projections. We will use this information to determine any areas at issue or of concern, identify opportunities and develop a plan to help you reach your goals. Our assessment incorporates your future income and investment needs while seeking to potentially reduce your exposure to risk and the impact of taxation. We can assist with, among others, the following areas: Implementation Once agreed upon by you, we will coordinate and implement the financial plan. Implementation can involve a variety of actions depending on the scope and complexity of your plan and may require that you reposition assets, implement certain charitable giving strategies, create trusts or even a foundation to accomplish your estate planning goals. Adjustments are made only after consultation with you, to ensure that we keep in line with your needs and objectives. We can suggest we work closely with your existing network of other professionals (or make recommendations, should you need them), including attorneys and accountants, who can assist with the implementation of your plan. This coordination helps to ensure that all documents, services and products related to your plan will be consistent with your objectives and goals. Managing and monitoring It is an unavoidable reality: the markets, your goals and your life all change. Whether it is your priorities or your investments, one, the other, or both may need to be adjusted over time to react to or take advantage of change. To this end, we will continually manage and monitor your plan s progress towards your goals. This includes regularly reviewing your current situation, updating the financial plan and implementing any adjustments, if needed, as your life and circumstances change. Investments Retirement income planning Retirement planning Employee benefits Estate planning Insurance Special needs, such as caring for a parent or a child s educational needs Recommendations After we identify and evaluate your current financial situation, we then design a plan for you that will include a number of specific recommendations, along with prudent alternatives and their benefits and risks. Our aim is to create a plan that is positioned to achieve your objectives with the least amount of potential risk associated with the markets, liabilities and taxes. 3

6 Some questions to consider The financial planning process begins with uncovering and understanding your needs and goals. Before we get down to numbers, it is essential that we get down to basics, learning who you are as an individual and as an investor. Most importantly, we want you to understand yourself in those regards. To help you begin that process, it is often helpful to ask yourself the following questions. Before we get down to numbers, it is essential that we get down to basics. Ask yourself What do I want to accomplish today? Ten years from now? Twenty years from now? What are my interests and passions in life? My family s? What is the greatest hope for me? My family? What are my financial goals for me? My family? What are my financial concerns? My family s? Are there any forseeable issues which could affect achieving my goals? When do I plan to retire? How do I ensure that my assets will be preserved for me and my loved ones? By considering these questions, you will develop the answers that, ultimately, will help us help you address the present and prepare for the future. 4 Wealth Management at Janney

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8 Janney Montgomery Scott LLC Mission Statement: At Janney, we build enduring client relationships based upon integrity, experience and trust by providing objective advice and superior service that lead our clients to the achievement of their financial goals Janney Montgomery Scott LLC Member: NYSE, FINRA, SIPC Ref