Sample Financial Strategy Fact Sheet 1

Simplify a Large Investment Portfolio

THE PROBLEM                                                                                                                

Individuals managing large investment portfolios face the following.

> Financial insecurity caused by feeling out of control of investment processes and results

> Information overload caused by the volume and complexity of statements

> Limited time, expertise, or interest to spend on personal finances

> No formal financial or investment plan

THE SOLUTION                                                                                                                 

Work with a Registered Investment Advisor to develop and implement a personalized investment management plan.

1. Define clients' risk tolerances and objectives.

2. Design and implement investment strategies.

> Tailor an investment strategy and asset allocation mix to meet clients' investment                        objectives.

> Diversify investment portfolios to minimize risk and volatility.

3. Monitor performance and maintain asset allocation.

> Compare performance relative to the clients' goals.

> Re-balance portfolios to maintain proper diversification.

4. Provide value-added services.

> Produce quarterly reports detailing transaction, income, and realized profits and                          losses.

> A personal advisor will answer questions and recommend options.

PEOPLE WHO CAN BENEFIT MOST                                                                                

Serious investors (not savers) will benefit most if they

> would like to feel in control of investment directions, minimize transaction costs,                        and avoid expensive mistakes;

>want to simplify, streamline, and systemize the investment management process;                       and

> have over $100,000 in cash and/or securities.

Sample Financial Strategy Fact Sheet 2

       How to Keep the Family Business in the Family

THE PROBLEM                                                                                                                 

An owner of a successful family business wants his children to continue operating the business when he retires.  However, the following costs may force liquidation of the business when he and his wife pass away.

> Federal estate tax

> Probate fees

> Administrative fees

> Outstanding business loans

THE SOLUTION                                                                                                                 

Work with a competent professional to design and implement plans.

1. An estate plan that minimizes death taxes and expenses by using the following.

> Wills

>  Living Trust

> Life insurance trusts

> Buy-sell agreements

2. Design and implement a business plan that provides liquidity to

> pay off business debt,

> replace management talent,

> supply operating capital, and

> fund buy-sell agreement.

PEOPLE WHO CAN BENEFIT MOST                                                                                 

Children who are active in management of a capital-intensive, family business if they

> have a net worth of more than $1.6 million,

> are 50 to 70 years old,

> have/are children actively involved in management, and

> have a business more than 15 years old