Advisory Based Services

ADVISORY BASED SERVICES

FINANCIAL PLANNING & PORTFOLIO ANALYSIS

MONEY GUIDE PRO

• RESEARCH COMPETITIVE PRODUCTS
• DESCRIBE ALTERNATIVES
• RECOMMEND PRODUCTS
• FACILITATE TRANSACTIONS
• REVIEW ACCOUNT PERFORMANCE

IN-DEPTH ANALYSIS OF SOME OR ALL OF THE FOLLOWING:

• NET WORTH AND CASH FLOW ANALYSIS (BUDGET)
• INVESTMENT STRATEGIES
• ASSET ALLOCATION ANALYSIS
• RISK MANAGEMENT ANALYSIS AND INSURANCE REVIEW
• RETIREMENT PLANNING PROJECTIONS
• SOCIAL SECURITY PLANNING
• ESTATE PLANNING
• EDUCATION PLANNING
• IN-DEPTH PRODUCT/FINANCIAL RESEARCH, ALTERNATIVES AND RECOMMENDATIONS BASED ON ANALYSIS
• WORK WITH YOUR FAMILY MEMBERS AND TEAM OF PROFESSIONALS(I.E. ATTORNEY AND CPA) AS NEEDED AND REQUESTED
• CONSOLIDATE STATEMENTS, CLIENT WEB ACCESS
• PORTFOLIO MANAGEMENT
• AUTO-RE BALANCING

SERVICE FREQUENCY

INITIAL:

• COMPREHENSIVE DATA GATHERING AND REVIEW
• STRATEGY RECOMMENDATIONS AND SOLUTION MEETINGS WITH CLIENT AND TEAM MEMBERS
• PRESENTATION OF CONSOLIDATED WRITTEN FINANCIAL PLAN

ONGOING:

• RECOMMEND TWO TO FOUR SERVICE CONTACTS/YEAR
• PLAN UPDATE AS NEEDED
• UPDATE SUITABILITY PER SEC REQUIREMENTS

COMMISSIONS AND FEES

ADVISORY FEES: SEE BELOW

401(K) QUALIFIED PLAN ADVISEMENT: $600 A YEAR OR % OF ASSETS IN RETIREMENT PLAN

CONSULTATIVE SERVICES: $225 PER HOUR OR YEARLY RETAINER ($1,500 MIN.)

COMMISSIONS: ON POTENTIAL LIFE PRODUCT SALES, HEALTH INSURANCE, LONG-TERM CARE, ANNUITIES, DISABILITY AND COLLEGE FUNDING

ADVISORY FEES: MAY VARY BASED ON HOUSEHOLD

UP TO $100,000                    1.50%

NEXT   $400,000                   1.25%

NEXT   $500,000                   1.10%

NEXT $1,500,000                  1.00%

NEXT $2,500,000                  0.75%

ABOVE $5,000,000               0.50%