A FINANCIAL COACH YOU CAN COUNT ON

Transcription

1 A FINANCIAL COACH YOU CAN COUNT ON

2 AS A PROFESSIONAL ATHLETE, you have unique challenges when it comes to managing your wealth. Most people earn their money over the course of a 30- or 40-year career yours will be much shorter. Most people earn a relatively low salary during their 20s and 30s your income will be very large during those years, then taper off or disappear altogether. Most people work 9 to 5 during the week and have weekends off you work seven days a week. Most people work steadily year-round you have a highly concentrated, but relatively short work year. You are specifically concerned about turning the earnings from a career that averages three to seven years into a financial plan designed to provide postcareer income throughout your life. You probably have what if scenarios in the back of your mind because you are never sure if you will be derailed by an injury or your career as a professional athlete will end. ENDURANCE IS IMPORTANT TO AN ATHLETE. SO IS MAKING YOUR CAREER EARNINGS ENDURE. THE SEILER GROUP OF RAYMOND JAMES. Financial professionals for professional athletes. You will find a team of financial professionals with more than 75 years of combined industry experience led by Thomas A. Seiler, who has served as an NFLPA Registered Player Financial Advisor since 2003.

3 ENABLING THE FREEDOM THAT THE ACCUMULATION OF WEALTH AFFORDS WEALTH IS FREEDOM. You will hear that a lot from us. It is a theme that reminds us of why we do what we do. But what does it mean exactly? Many people hear the word wealth and think money. But money only tells part of the story. Wealth is far greater than entries in a portfolio or account balance. Wealth is the power to make things happen. It has the capacity to turn goals into reality. It changes the question from if to when. It has the depth of possibility. It opens up the road less traveled and says, Go explore. Wealth has the power to enrich life for you and your family. But most important, wealth is what it means to you. For some, it is the means to a quiet life in the country, free from worry. For others, it means globetrotting to the corners of the earth or building a family legacy or a corporate empire. Wealth is the freedom to make the decisions that are best for you. While we focus on managing and preserving your wealth, what we are really doing is helping you build freedom to achieve the life you want to live. That is what drives us to work diligently on your behalf. That is what keeps us passionate. The numbers on the statement tell one story. Hearing the stories from our clients as they live the lives they imagined that is the story that lets us know we are doing things right. By building wealth, we know what we are really doing is building the freedom to make it all possible.

4 YOU, THE DEDICATED PROFESSIONAL ATHLETE. WE, THE ADAMANT FINANCIAL PROFESSIONALS. REQUIREMENTS FOR MANAGING YOUR WEALTH are different from those of most high-income individuals. That s why The Seiler Group s experience working with professional athletes is particularly relevant and valuable to you. It s more than just providing comprehensive, high-touch wealth management services; we know how to work within the special circumstances of professional athletes. With our combination of experience and skill, we can deliver tailored investment strategies designed to help you manage and preserve your wealth. We place a high value on a relationship based on integrity, accountability and an in-depth understanding of your goals and needs. A POWERFUL ROSTER OF SERVICES for building world-class fi nancial athletes for generations THE ELEVATED CLIENT EXPERIENCE ELITE ATHLETES HAVE EARNED Imagine the concierge service of a five-star hotel applied to your financial matters. That s exactly what we strive to deliver at The Seiler Group the undivided attention and financial counsel of a team dedicated to managing your financial life down to the smallest detail. Working as a team, each member of The Seiler Group applies their areas of expertise to address your needs. As professional athletes can attest, there is no greater contributor to a positive outcome than teamwork. Each member of our team will know you and your financial situation, so they can answer questions for you at any time. We will make sure you have a sense of each team member s role and who best to contact for specific issues, ranging from making a deposit to addressing a lifestyle change that will impact your financial plan. Financial planning Cash flow analysis Portfolio risk analysis Estate planning Philanthropic planning Prolonged retirement planning Review professional contract Review professional benefit packages Tax mitigation strategies Liability management Networking with other clients Review with agent any potential contract changes and potential income from other sources such as endorsements and promotional appearances Work with family on estate planning issues or financial assistance to family members Review and evaluate business opportunities presented to you We have modeled our practice on high-net-worth family offices, where we can provide individualized solutions to our distinctive roster of clients. This level of personal attention also applies well to the discriminating institutional clients we serve. Our goal is for you to view The Seiler Group as your financial quarterback and to see that we understand every aspect of your life and can help you make informed and confident financial decisions. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of Raymond James & Associates we are not qualified to render advice on tax or legal matters.

5 THOMAS A. SEILER, WMS Managing Director sophisticated needs of today s institutional investors since He began his career in 1990 with Merrill Lynch, concentrating on high-networth clients. Drawing on more than 25 years of experience in the financial services industry, Tom concentrates on highly developed asset allocation and investment strategies, conducts extensive research and evaluation on investment management firms, forms comprehensive investment policy the Business of Entertainment, Media, and Sports at the Harvard Business School and served as an NFLPA Registered Player Financial Advisor since He currently lives in Newtown, Pennsylvania, with his wife, Debbie, and has two children, Alexa and Jake. Tom is an active member of the Ambassador Circle of St. Mary Medical Center Foundation and a recipient of the Philanthropy Award for Cerebral Palsy of New Jersey. An active triathlete, you may see Tom RYAN T. WAYNE Financial Advisor With more than 15 years of experience in financial services, Ryan Wayne works with foundations, institutions and high-net-worth individuals. He holds dual bachelor s degrees in economics and finance from Susquehanna University and earned his MBA in finance from Drexel University. Ryan s strong analytical skills provide clients with daily guidance on both market analysis and economic trends. His primary focus is monitoring private client financial plans to ensure they remain aligned with their investment policies and statements. Ryan s wife, Lynda, is an audiologist with a local practice, and the couple has two children, Madilyn and Christian. Ryan enjoys spending time with his family. Senior Vice President, Investments statements and provides ongoing training or sharing notes with some of As a founding member of The Seiler Group of Raymond James, Thomas Seiler has focused on meeting the performance measurement and monitoring for client portfolios. A graduate of Montclair University, Tom has also successfully completed the group s professional athletes on the best conditioning techniques in preparing for upcoming races. Ross Hart joined The Seiler Group in 2011, after graduating from the Rutgers Business School with a degree in finance. Prior to joining Ross works with individuals and families on developing comprehensive financial plans custom tailored to their specific goals and objectives. the group full time, he completed a A resident of Hamilton, New high-net-worth individuals and families. Prior to joining the financial services industry, Patrick received an honorable discharge from the United States Marine Corps and served with the San Diego Police Department. He Specialist SM (CRPS ). Patrick is also an Accredited Investment Fiduciary, doing what is best for our clients. Patrick is also a member of the Marine Corps League, Doylestown Freemasons, New Jersey State Law Enforcement Officers ROSS P. HART, WMS Investment/Portfolio Associate yearlong internship program. Ross was a member of the National Society of Collegiate Scholars and served as coach and financial director for the Rutgers Men s Club soccer team. Jersey, Ross enjoys spending his time outdoors playing soccer, cycling, golfing and surfing. He values a strong work ethic and integrity, and is committed to helping clients secure their financial futures. then began his career in the financial Association, Elks Club, American industry in 1995 with A.G. Edwards, Legion, Investment Management later working with Merrill Lynch and Consultants Association and Bucks PATRICK M. SEILER, CFP, CIMA, CRPC, CRPS, AIF Senior Vice President, Investments Morgan Stanley Smith Barney. Already a Certified Financial Planner practitioner, Patrick has also earned the prestigious designations of Certified Investment Management County Business Alliance. The Financial Industry Regulatory Authority (FINRA) has also certified Patrick as an arbitrator to reconcile disputes. Patrick Seiler works with institutional Analyst SM (CIMA ) from the Wharton Patrick, his wife, Wendy, and their clients (corporations, pension and profit sharing plans, 401(k) plans and foundations) and also provides comprehensive planning to private Business School at the University of Pennsylvania, Chartered Retirement Planning Counselor SM (CRPC ) and Chartered Retirement Plans two children, Maeve and Thomas, live in Buckingham and enjoy spending time outdoors, riding Harleys, and spending time in their community. Investment Management Consultants Association is the owner of the certification mark CIMA, the service marks Certified Investment Management Analyst SM, Investment Management Consultants Association SM, and IMCA. Use of CIMA or Certified Investment Management Analyst SM signifies that the user has successfully completed IMCA's initial and ongoing credentialing requirements for investment management consultants. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and federally registered in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

6 VAUGHN H. HEBRON Practice Marketing Associate, Vaughn Hebron, a native of Baltimore Specialists, a fitness center and Michael Bush is a native of Seiler Group in 2017 with a focus and graduate of Virginia Tech, signed personal training studio located Louisville, Kentucky, and attended on marketing and networking. In his as an undrafted free-agent running in Newtown, Pennsylvania, where the University of Louisville. After a free time, Michael loves to compete back with the Philadelphia Eagles, current and aspiring professional successful collegiate football career, on the golf course with friends. He and went on to win two consecutive athletes train for the NFL combine and he was drafted by the Oakland and his wife, Emily, have a daughter, Super Bowl titles (XXXII and XXXIII) offseason, Vaughn joined The Seiler Raiders in the 2007 NFL draft. In Hudson, and live in Louisville. with the Denver Broncos. Group in 2014, focusing on sports addition to the Raiders, Michael His focus, dedication and analysis marketing and networking. Vaughn, played for the Chicago Bears and on the field served as a cornerstone his wife, Kim, and their family live in Arizona Cardinals. He joined The for Vaughn s transition to a successful Langhorne, Pennsylvania. business owner. Currently founder MICHAEL W. BUSH, JR. and president of VMS Movement. Practice Marketing Associate, Athletes & Entertainers Athletes & Entertainers A graduate of Rowan University with A resident of Pennington, New Jersey, A native of Jackson, New Jersey, a degree in marketing, Raul Torrens along with his wife, Gwen, and their Ed Castellanos is a graduate of currently resides at the Jersey Shore is a successful entrepreneur, owning four children, Raul enjoys sports, Montclair State University with a love with his fiancée, Jennifer. He has three several businesses over the past playing basketball and spending time of sports. His passion for physical children: Samantha, Grant and Austin. 27 years. Raul previously worked at with his family. fitness lead him to personal training, Merrill Lynch as a sales associate and, in 1989, Ed started a successful and joined The Seiler Group here at fitness company that has developed Raymond James in 2014 with a focus several fitness patents. Ed has also on marketing and networking. appeared on a popular shopping network with his fitness products. RAUL TORRENS Practice Marketing Associate, EDWARD CASTELLANOS Athletes & Entertainers Practice Marketing Associate, Athletes & Entertainers Joining The Seiler Group in 2017, Ed

7 NICOLE A. MORAWSKI Senior Registered Service Associate TERRI L. SCHAFER Senior Client Service Associate RAYMOND JAMES Raymond James is one of the Raymond James supports our solutions-based planning approach Nicole Morawski began her career as a legal assistant, developing keen attention to detail and organization. She entered the financial industry in 2000 as a compliance director at Merrill Lynch before joining The Seiler Group in 2003 as a group administrator. Nicole directs administration for all our clients day-today needs, with a strong commitment to excellent service. An avid fan of ice hockey and motorsports, Nicole also enjoys spending time with her family Prior to joining The Seiler Group in 2009, Terri Schafer worked in the operations department at Morgan Stanley Smith Barney, handling the overall process of the entire branch office. Terri also spent 10 years in retail banking, giving her a broad background in financial services and preparing her for client service administration. Terri is responsible for all daily client administration and overall support for the group. A resident largest independent financial services firms in the United States. Since its beginning in 1962, it has always been a different kind of company embracing longterm planning and methodical decision-making while staying uncompromisingly client-focused. While other firms simply bought and sold stocks or mutual funds, Raymond James focused on financial planning for the individual. It was the first firm to pioneer that Investments are a means to an end, whether the goal is a comfortable retirement, a grandchild s education or a legacy for future generations. That s why we have chosen to work with a firm that is goal-based, not transaction-focused. Backed by the wide array of resources, investments and tools available through Raymond James, we re well-positioned to determine how to effectively address your needs, develop appropriate strategies, construct well-crafted portfolios and help you achieve your financial goals. Our recommendations stem from a comprehensive assessment of your complete financial picture, including balancing your shorter-term requirements with your long-term goals and the amount and type of risk you can comfortably and appropriately assume. and traveling. of Bucks County with her husband, concept, and today supports its William, and their three sons, Terri advisors with access to a full range participates in family activities and of comprehensive resources. plays in a women s softball league. Top left to right: Ross P. Hart, Patrick M. Seiler, Ryan T. Wayne Bottom left to right: Terri L. Schafer, Thomas A. Seiler, Nicole A. Morawski

8 THE FOUR PILLARS OF WEALTH MANAGEMENT. A SINGULAR FOCUS ON YOUR LIFE. WE BELIEVE THAT HOLISTIC WEALTH MANAGEMENT is most effective when it involves every aspect of your life. We look at each client s big picture in terms of four different pillars: Lifestyle, assets, risk and liability. Lifestyle management Asset management Risk management Liability management * How much is enough? To answer this Are your assets appropriately allocated and How well is your net worth, and your How can you use debt within a strategy question, and thus provide proper wealth properly diversified? We provide services family, protected? We can help you to help preserve and manage your wealth? management strategies, we need to designed to help ensure that your assets protect your wealth so it can benefit We offer a variety of services to meet discover crucial information about you are well-managed. the people you love most. your needs. and your goals. Risk analysis and asset allocation Portfolio diversification Lending What kind of life do you want to lead? Investment Policy Statement Hedging strategies Securities-backed loans and lines of credit How much do you want to leave to others? Stocks, bonds, mutual funds, annuities, Life, disability and long-term care Secured and unsecured loans and lines What assets do you have earmarked for options, alternative investments, CDs insurance of credit retirement? Fee-based managed accounts Diversification and liquidity for Business capital and commercial loans What about your legacy for philanthropy? Mutual fund, investment manager business owners and global equity research Tax reduction strategies Identity theft strategies Guidance on family dynamics In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2A as well as the client agreement. Diversification and asset allocation do not ensure a profit or guarantee against loss. *Services provided by Raymond James Bank Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.

9 OUR GOAL IS TO HELP YOU DEVELOP INTO A WORLD-CLASS FINANCIAL ATHLETE, WITH THE SAME LEVEL OF CONFIDENCE AND CAPABILITIES YOU HAVE IN YOUR PROFESSIONAL CAREER. DEVELOPING YOUR LIFE PLAN Charting a prudent course to financial independence requires a well-conceived, personalized plan with well-defined, long-term goals. Our four-step wealth advisory consultative process can help you design a cohesive plan for the future. Discover Analyze and Recommend Implement Review and Monitor Before our first meeting, we suggest that Based on our discussion, the team will After you have approved your wealth plan, We believe that ongoing communication is you take a fresh inventory of your wealth, analyze your personal and fi nancial we will work closely with you to implement a vital component of our relationship with including where each asset is located and information including assets and it, bringing an objective approach and you, and we are committed to staying on what it is worth. At that meeting, we will liabilities assess risks and identify paying special attention to how the various top of your changing financial needs. Your begin by exploring what matters most to potential threats to your fi nancial health. parts of your plan can affect, enhance financial documents provide the foundation you and fully understand what you want We will present you with a personalized and integrate with one another. Wherever for regular meetings, and the team will to accomplish with your wealth. We will plan that can help address your income appropriate, we will suggest seeking review your portfolio at your request talk about you, the kind of lifestyle you and cash flow needs, borrowing additional, in-depth advice on particularly whenever you feel that your circumstances enjoy, what worries you and what you are requirements, asset protection, retirement complex issues such as family dynamics, have changed. We will then seek to ensure passionate about. Our conversation will planning, wealth transfer, philanthropy estate planning, lending, tax planning that your assets are positioned according also explore your values, key relationships, and other areas beyond investment strategies and more. Whatever approach to your evolving needs. If necessary, we total assets and preferred manner of management. By taking the additional we decide on, the team will help you keep will suggest adjustments to your strategy communication, as well as identify the other time to carefully review these topics, your investments on track. to address changes in your circumstances professional advisors with whom you work. we hope to make you comfortable with or objectives. That way, our team can help you determine proposed investment strategies and how all the facets of your financial situation service providers before implementing could dovetail effectively. your wealth plan.

10 WHERE WALL STREET EXPERTISE INTERSECTS WITH A MORE PERSONAL CONSULTATIVE APPROACH By applying an uncommon level of expertise to each financial matter during every stage of your life, we want you to feel that we re the only financial advisors you ll ever need. By providing an uncompromised level of personal, attentive service, we want to make you feel like you are our only client. Above all, we would like you to feel confident and comfortable in knowing that you are being cared for in the most complete and comprehensive manner. Let s explore the potential of working together. Impressive stats Thomas Seiler has been recognized by the following notable awards: 2014 Barron s Top 1,200 Financial Advisors 2015 Barron s Top 1,200 Financial Advisors 2016 Barron s Top 1,200 Financial Advisors 2016 Financial Times 400 Top Financial Advisors 2017 Barron s Top 1,200 Financial Advisors Barron s Top 1000 rankings for 2014, 2015, 2016, and 2017 were based on data provided by over 4,000 of the nation's most productive advisors. Factors included in the rankings: assets under management, revenue produced for the fi rm, regulatory record, quality of practice and philanthropic work. Investment performance isn't an explicit component because not all advisors have audited results and because performance fi gures often are influenced more by clients' risk tolerance than by an advisor's investment-picking abilities. The rating may not be representative of any one client s experience and is not indicative of the fi nancial advisor s future performance. Neither Raymond James nor its fi nancial advisors pay a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Barron s 1200: Rankings based on assets under management, revenues generated by advisors for their fi rms, and quality of practices. The Financial Times 400 Top Financial Advisors is an independent listing produced by the Financial Times (March 2016). The FT 400 is based on data gathered from fi rms and verifi ed by broker-dealer home offi ces, regulatory disclosures, and the FT s research. The listing reflects each advisor s performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility as identifi ed by the FT. Neither the brokerages nor the advisors pay a fee to the Financial Times in exchange for inclusion in the FT 400.

11 DEVELOPING WORLD CLASS FINANCIAL ATHLETES Your Brand. Your Story. Our Commitment. The Seiler Group. 4 Caufield Place, Suite 101 Newtown, PA Toll-Free: SEILER Phone: Fax: RaymondJames.com/TheSeilerGroup Certified Financial Planner Board of Standards, Inc., owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and in the U.S., which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements Raymond James & Associates, Inc., member New York Stock Exchange/SIPC. Investing involves risk including the possible loss of capital. Diversification and asset allocation do not ensure a profit or protect against a loss. Every investor s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk and you may incur a profit or loss regardless of strategy selected. The foregoing is not a recommendation to buy or sell any individual security or any combination of securities. Be sure to contact a qualified professional regarding your particular situation before making any investment or withdrawal decision. 17-BR37W /17 MM/DS/EG