Sagemark Consulting Private Wealth Services

Transcription

1 Sagemark Consulting Private Wealth Services

2 Private Wealth Services James Westermeyer Private Wealth Advisor James Westermeyer is supported in his office by a staff with years of experience helping clients solve their Estate, Business Succession and Investment Planning objectives by giving them advice to make informed decisions. Mr. Westermeyer is a fee-based consultant with Sagemark Consulting Private Wealth Services. James coaches his clients in order to help them make the best decisions with their wealth. Specifically, he helps his clients to identify and implement strategic, creative solutions dealing with Estate, Business Succession and Investment Planning. These solutions enable his clients to keep what they accumulate, conserve and protect those assets, and to distribute their assets with a focus on avoiding unnecessary taxes and complexity. James simply educates and directs his clients around the alternatives that could work best for his clients. James graduated from Oklahoma State University in Stillwater Oklahoma in 1984 with Bachelor of Science degrees in both Accounting and Finance. In addition to being a member of the Financial Planning Association (FPA), and Estate Planning Council (EPC), he is a frequent speaker within the financial planning community. He is an Advanced Select Planner with Sagemark Consulting Private Wealth Services and is also a member of The Resource Group. James and his wife Barbara have two children, Kelsey and Luke, and reside in Clayton, California Executive Parkway, Suite 400 P.O. Box 5154 San Ramon, CA Phone: Fax: James.Westermeyer@LFG.com CA Insurance License #0C17637 James Westermeyer is a registered representative of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker-dealer. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. Lincoln Financial Advisors Corp. does not offer legal or tax advice. CRN

3 Sagemark Consulting Private Wealth Services We can help you compose a future that performs

4 Tuning your future

5 ... requires some orchestration Professional and objective financial advice, conducted on your terms, creates the critical connection to help you preserve, grow and transfer the assets you have accumulated. That s why we re in business. In fact, that is our business. We specialize in working with some of the most affluent families in America. With more than 50 years of experience in assisting clients to build and preserve their financial legacies and helping their future generations to become outstanding stewards of their wealth we can help you compose a future that is in harmony with your goals. We assist you in establishing harmony among the important facets of your family s vision and values. The pyramid below illustrates the essential building blocks of establishing your family s unique legacy plan. It starts with the foundation of ensuring that you and your spouse are financially secure and that risks to that security have been addressed. Next, we help you to understand and then plan for the many varied facets of your family being OK. Finally, if you so desire, we help you build and achieve your goals and the myriad approaches to giving back to the community. Will you be able to give back to the community or the charities of your choice? Once you and your spouse are OK, what does it mean for your family to be OK? You ve succeeded in so many ways. But you may still wonder, How much do we need? Is the community ok? Is the family ok? Are we ok? Family Legacy Pyramid

6 The key to your success

7 ... being in tune with your vision & values Sagemark Consulting Private Wealth Services is a preeminent group of financial planners within Lincoln Financial Advisors Corporation who have prodigious experience in wealth management, business continuity, and sophisticated wealth transfer strategies. Our planning process revolves around you and your family s vision and philosophy. We begin by identifying your needs and objectives. We then analyze and evaluate the particulars of your current financial situation. Finally, we provide you with the comprehensive advice you need to help you make the informed decisions that will secure your present and compose a legacy for the future.

8 The rhythm of our relationship is our Strategic Wealth Experience process The initial stages of our process may last two eight months, depending on the complexity of your personal situation, but many clients appreciate the value we add and continue our partnership with their families for generations. Here is a look at the composition of our process. Evaluate 1. Review Current Strategies We discuss opportunities you may have missed due to years of nonintegrated advice. This initial exchange of information offers insight into how our work is substantially different from your current plan. 2. Qualify Value You see that our integrated team approach delivers unique estate, business succession, investment planning, and tax reduction strategies. Our relationship begins with the knowledge that there is essential work to be done. EXPLORE 3. Understand Your Situation We work together to gain a thorough understanding of your family s financial philosophy. Knowing your specific situation and objectives allows us to explore opportunities not previously considered. Execute 5. Chart Your Course Sophisticated strategies are outlined in plain English. These strategies are prioritized, and decisions are made. 6. Initiate Action Without well-orchestrated implementation, even the best plan is not worth the paper it s printed on. Using professional persistence and a team approach, we take your financial plan from concept to reality. Evolve 7. Our Partnership Continues... For Generations We continue to move in your chosen direction. Together, we make necessary adjustments due to changes in your situation, tax laws, and the economy. 4. Assess Opportunities The foundation of your plan begins to take form. Your personal goals and financial situation are confirmed.

9 Evaluate Current Strategies Are Reviewed Value Is Quantified Explore Situation Is Understood Opportunities Are Assessed Strategic Wealth Experience Process Evolve Our Partnership Continues... For Generations Execute Course Is Charted Action Is Initiated

10 An that truly resonates Because we work exclusively with high net worth families, we have developed a thorough understanding of the unique problems and opportunities that you may confront. This translates into our time-tested ability to pursue measurable and meaningful results for you, your business, and ultimately, your family. But we don t stop there. Financial planners in Sagemark Consulting Private Wealth Services have access to the best ideas our company offers, and provide you with confidential, highly customized, personal service.

11 ...with a full measure of bene fi ts Personalized Client Case Review and Design Collaboration Your financial planner collaborates with our Sagemark Consulting Private Wealth Services members and our advanced planning team to develop not only strategies, but also tactical solutions that help you achieve your unique goals. This team-level approach to your financial plan will holistically address the complexities of your personal situation. During the process, you will have the opportunity to interact with these professionals via video conference as well as in-person in one of our regional offices. You can rest assured that your issues are being resolved by a qualified, credentialed, and competent group of professionals. Action Orientation As a successful person, you are by nature a person of action. At Sagemark Consulting Private Wealth Services, we believe that a plan, in and of itself, has no power or force without actions you can implement to help improve your situation as appropriate to achieve your goals. Our orientation toward action drives us to deliver a financial plan that allows you to guide your fate, both today and in the future. Concierge-Level Attention As the client of a Sagemark Consulting Private Wealth Services planner, you are special to us. We value your business and will cater to your needs and requests in a manner that earns your respect. You can count on us to drive the process at a pace that is appropriate for you. Our relationship will evolve, as will your plan, but you will always be treated to a timely, concierge-level experience from complex issue to minute detail. Serve First Philosophy Our philosophy Serve First, Last and Always SM drives the way we do business. We believe in providing our clients with clarity and solutions that help meet their needs. We believe that long-term relationships are more important than short-term gains, and will never sacrifice the former for the latter. Conviction in what we do; the courage to help our clients to take action; competency based on continuing education and training; coordination of national resources on terms that benefit each client; and communication that builds understanding and trust these are the key qualities of Serve First. And these are the commitments we make to each of our clients.

12 Private Wealth Services We drew together the most knowledgeable and talented individuals throughout our organization nationally when we orchestrated the establishment of our Private Wealth Services division. These individuals stand out in our industry for their experience, reputation and results. Here are just some of the resources on our Sagemark Consulting Private Wealth Services team: NASSER ALI, CFA, CFP, AAMS, CMFC, CRPC Director of Financial Advisory Services Prior experience as a portfolio manager responsible for managing customized investment portfolios totaling close to $400 million. Bachelor of Science degree in Finance from the University of Maryland. Member of the Association of Investment Management and Research and the Baltimore Security Analysts Society. Published an article in the Encyclopedia of World Terrorism entitled, The Impact of 9/11 on the Global Economy. ROBERT E. APPEL, J.D.*, LL.M., MBA Second Vice President of National Design/Advanced Planning Listed in numerous sections and editions of Who s Who (including Who s Who in American Law and Who s Who in the World) and member of the American and Connecticut Bar Associations. BS degree (Accounting and Finance) from Central Connecticut State University; J.D. degree from the University of Bridgeport School of Law; MBA (Finance) degree from the University of Connecticut; and LL.M. (Taxation) degree from Boston University School of Law. RICH E. AUSTIN, J.D.*, LLM, CRPC Director of Financial Advisory Services Primary area of expertise: Advising high net worth clients, with an average net worth over $10 million dollars, on investment, estate, charitable, and business owner planning alternatives. Has conducted seminars for financial professionals; served on advisory boards, created computer models to calculate tax implications, and authored articles on tax strategies. GREGORY W. BUTLER, ChFC, CFP, CLU Director of Financial Advisory Services Areas of expertise include comprehensive financial, estate and business owner planning, and employee benefits. Graduated from Connecticut State University with a Bachelor of Arts degree in Economics. Served on the Board of Directors of the International Association of Financial Planners and the Board of Directors of the Kansas City Association of Insurance and Financial Advisors. Currently serves on the Board of Directors of the Kansas City Financial Planning Association. JEFFREY S. COHEN, CFP, Member of Registry of Financial Planning Practitioners Prestige Member Quoted in many national publications and has been a guest lectuer for several national organizations. Inducted into the 1999 edition of International Who s Who of Professionals. DEREK FERRIERA, CFP, LUTCF, AMTC, CLU, REBC, CFS Prestige Member Area of expertise: Has worked on over a thousand cases and runs financial plans through multiple design sessions before the appropriate options are presented. Graduated from Cal Poly State University, San Luis Obispo. Board Member of Society of Financial Service Professionals; Member of International Association for Financial Planning; Member of American Society of CLU/ChFC; and Board Member of The Resource Group within Lincoln Financial Advisors/Sagemark Consulting. *CPAs and JDs with the firm do not provide legal or accounting services on behalf of Lincoln Financial Advisors Corp.

13 JOSEPH FLYNN, J.D.* Design Attorney Primary area of expertise: Advising Lincoln financial planners and their clients on a wide variety of estate planning and business succession issues with a particular emphasis on the family owned business. Graduate of Yale University and The University of Connecticut School of Law. JACKIE GLASSCOCK, ChFC, CFP Director of Financial Advisory Services Areas of expertise: Estate planning for the affluent and business succession planning for the owners of privately held business. Served on various Advisory Boards for Lincoln Financial Advisors. BEN T. HUDDLE, CFP, MBA, CRPC Director of Financial Advisory Services Areas of expertise: the development, training, and implementation of fee-based financial planning within the firm including the integration of the investment and comprehensive financial planning processes. Masters in Business Administration for The University of Houston and a Bachelor s degree in Industrial Management from Purdue University. National speaker/trainer for Lincoln Financial Advisors. RUSSELL G. JONES Executive Director, Private Wealth Services Primary area of expertise is developing key concepts and strategies for the high net worth market. Main platform speaker at the annual conference of the International Association of Financial Planning, the Allied Jewish Federation s Annual Estate Planning Forum, GAMA International s LAMP meeting, and numerous technical and internal Lincoln business management sessions. TIMOTHY S. JOHNSON, J.D.*, CRPC Chief Investment Strategist Areas of expertise include fixed-income, equity allocations, alternative investments and affluent wealth management. BA in Political Science from Lipscomb University in 1981and graduated from Vanderbilt University School of Law. Holds a Series 7 registration. Henry G. Mautner, CLU, ChFC Prestige Member Areas of expertise: Estate and busienss succession planning for highly affluent individuals. Featured speaker on issues relating to multigenerational wealth transition. Holds degrees from Miami University (Ohio) and Yale University. ARTHUR H. MCGONIGAL, CFP, MBA, ChFC, CLU, CMFC Prestige Member Areas of expertise: Providing estate, business succession, investment and retirement planning services, as well as charitable planning and gifting opportunities as they integrate into these areas on a seamless basis. Graduated from University of Virginia (Bachelors degree in Economics); MBA from George Washington University; currently pursing his Masters in Financial Services from the American College. *CPAs and JDs with the firm do not provide legal or accounting services on behalf of Lincoln Financial Advisors Corp.

14 DIANNA PARKER, CFP Director of Planning Primary area of expertise: Broad knowledge of complex estate planning, business succession planning and retirement planning concepts. Frequently hosts a variety of nationally disseminated educational sessions focused on current tax law and planning strategies. Summa cum laude, Master s degree graduate from Southern Methodist University. DONNA L. ROWAN, J.D.*, LL.M., CLU, CHFC Assistant Vice President of National Design Expertise in the areas of personal and corporate income taxation, as well as estate, gift and trust taxation. Member of the Connecticut and American Bar Associations. BA degree in English from State University of New York at Buffalo; J.D. from Western New England College School of Law; LL.M. (Taxation) from Boston University School of Law. DOUGLAS B. RICHMOND Director, Private Wealth Services Primary area of expertise lies within the personal risk management area where he is able to deliver unique strategies and tactics supported by strong product selections. Experienced in developing relationships with property and casualty, private banking and stock brokerage representatives, as well as catering to the needs of business owners and individuals who want to address their wealth preservation and estate planning needs. RANDY P. SILLER, CPA*, CIMA, CRPC, Masters in Taxation Prestige Member Recognized for contributions to two widely acclaimed books, and has been quoted in many national publications. Graduated with honors from University of Connecticut with a major in accounting and minor in finance; is a Certified Continuing Education Instructor for CPAs in New York and Connecticut. ROBERT A. STUDIN, J.D.*, CPA*, CFP, CLU, CRPC, ChFC Executive Director, Financial Advisory Services Named in Worth magazine s Top Financial Advisors in , Medical Economics 120 Best Advisors for Doctors in 1998, 2000 and 2002, the Birmingham Business Journal s Top 40 Under 40, and received the Leadership Award from the MS Foundation in Bachelor of Science degree from the University of Alabama, and J.D. from Cumberland School of Law, Member of the Alabama Society of Financial Planning Association and the AIPA. MARY T. YOUNG, ChFC, CRPC, CFP Director of Financial Advisory Services Areas of expertise: Helping to evolve Lincoln s national planning process; helping to enhance the proprietary financial software as well as the national plan template and sales themes; and managing the third-party relationships as they relate to the national planning team. Bachelor s degree from The University of Connecticut, with a major in Finance and a minor in Accounting. *CPAs and JDs with the firm do not provide legal or accounting services on behalf of Lincoln Financial Advisors Corp.

15 A century of integrity At Lincoln Financial Group, we have a 100-year-old heritage of helping people find solutions to their financial challenges with the same honesty, integrity, and responsibility that you d expect from our namesake. It s a legacy that we proudly and respectfully continue each day. The strength of Lincoln Financial today Lincoln Financial is one of the largest financial services companies in the country. We believe our continued commitment to strength and stability is indispensable to who we are and critical to your confidence in us. We are a proven industry leader in identifying and delivering sophisticated financial strategies and product solutions for the creation, preservation, protection, and enjoyment of wealth. We are committed to helping clients redefine their retirement because we don t believe retirement is an end it s an opportunity for everyone to start doing what they were meant for all along. Lincoln Financial Group, headquartered in the Philadelphia region, is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; savings plans; mutual funds; managed accounts; institutional investments; and comprehensive financial planning and advisory services. Affiliates also include: Delaware Investments, the marketing name for Delaware Management Holdings, Inc. and its subsidiaries; and Lincoln UK. *For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit The Financial Planning Association (FPA ) owns the FPA Alliance mark and recognizes Lincoln Financial Advisors for its commitment to support FPA s primary aim and principles of financial planning. Sagemark Consulting is a division of Lincoln Financial Advisors Corp.

16 James Westermeyer is a registered representative of Lincoln Financial Advisors Corp. Securities offered through Lincoln Financial Advisors Corp., a broker-dealer. Investment advisory services offered through Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. Lincoln Financial Advisors Corp. does not offer legal or tax advice Sagemark Consulting CRN / Executive Parkway, Suite 400 P.O. Box 5154 San Ramon, CA Phone: Fax: James.Westermeyer@LFG.com