REDEFINING WEALTH MANAGEMENT

Transcription

1 REDEFINING WEALTH MANAGEMENT

2 SIMPLIFY YOUR FINANCIAL LIFE Wealth is always accompanied by complexity whether preserving assets in the face of volatile markets, leaving a legacy without subjecting heirs to excessive taxation, exiting a successful business or protecting a substantial employer stock position. We can help you simplify.

3 OUR VISION EXECUTION Beginning to end implementation Traditionally, wealthy individuals and families have attempted to address these issues by hiring multiple financial professionals each specializing in a different discipline. However, these advisors tend to work isolated from each other, without an over-arching plan to guide them. Our highly trained team of Certified Financial Planners will work with our investment, insurance and estate planning specialists to devise a comprehensive plan that helps protect and preserve your wealth. We will act as your primary point of contact working with your existing advisors, coordinating all facets of your financial life and allowing you the freedom to focus on what is most important to you. EXPERTISE Dedicated team of highly trained specialists LENOX ADVISORS ACCESSIBILITY Single point of contact for all your financial matters 2

4 THE ROAD TO SUCCESS BEGINS WITH A PLAN

5 LENOX PERSONAL CFO Lenox Personal CFO, our fee-based financial planning platform, organizes your financial life into one comprehensive plan. It incorporates a range of financial planning components and analysis resulting in a clear strategy to help achieve your long-term financial goals. FINANCIAL PLANNING At Lenox Advisors, we take the time to understand your needs, goals and values. We then develop your personalized financial plan to help protect and preserve what s most important to you. ASSET ALLOCATION ANALYSIS Our first step is to understand your investment objectives and priorities. We then construct a portfolio with what we view to be the appropriate mix of equities, fixed income securities and alternative investments. Specialists will align your asset allocation with your goals, monitor your portfolio and advise you on any required future adjusting. RISK MANAGEMENT & INSURANCE STRATEGIES No financial plan is complete without a full review of your existing insurance and overall risk management strategy. If you need life, disability income, long-term care, property and casualty, liability or even a more complex solution, we will identify the approach we believe to be most appropriate for you and your family. ESTATE, GIFT & TRUST PLANNING SOLUTIONS TO FIT ALL YOUR NEEDS Financial Planning Asset Allocation Analysis Risk Management & Insurance Strategies Estate, Gift & Trust Planning Cash Flow & Retirement Planning Education Planning Philanthropic Planning Account Aggregation & Electronic Document Storage Estate, gift and trust planning is more than wealth transfer upon death. Our estate planning process integrates your goals and values for a tax efficient disposition of your assets during life and beyond. SERVICES CONTINUED 4

6 What is it about money that s important to you? What goals do you want to achieve as an individual? As a family? What are some financial issues that you don t agree on as a couple? What concerns you most when it comes to your children and money? Looking ahead five years from today, what has to have happened over that period for you to feel good about the progress? Do you worry that your family wouldn t know everything about your financial affairs should something happen to you?

7 LENOX PERSONAL CFO CASH FLOW & RETIREMENT PLANNING Understanding the balance between your financial commitments and your cash flow requirements will help us evaluate scenarios most suited for maintaining your lifestyle before and after retirement. EDUCATION PLANNING A college education is one of the most valuable gifts you can give a child, but it can also be one of the most expensive. Lenox Advisors can develop a tax-efficient funding strategy to help you achieve that goal. PHILANTHROPIC PLANNING Creating a plan for charitable giving can be a complex but rewarding process. We ll help you identify your specific goals for giving, and align your passion with a tailored, tax-efficient action plan. ACCOUNT AGGREGATION & ELECTRONIC DOCUMENT STORAGE Our account aggregation service allows you to consolidate all your accounts across various financial institutions in one place, easing the burden of going to multiple sources to view your complete financial life. We also provide document storage services through our online virtual vault, allowing you to store and access crucial documents at any time. Bringing Your Plan to Life Once we agree on your plan together, we then bring it to life. Our team of highly trained professionals consult with you and coordinate the efforts of your other financial professionals. Acting as your primary financial advisor, we can implement your plan as it was designed and monitor to ensure it stays on course giving you the satisfaction of knowing that all the elements of your financial life are working together. 6

8 PORTFOLIOS BUILT ON INSIGHTS GUIDED BY FUNDAMENTALS We believe global, multi-asset class portfolios of equities, fixed income and alternative investments offer the strongest potential for optimal risk-adjusted returns whether your goal is to grow or preserve principal. That s why we construct a personalized investment strategy and recommend a mix of asset classes that align with your investment objective and risk tolerance.

9 ASSET MANAGEMENT CREATE an objective and personalized investment strategy TAILORED INVESTMENT STRATEGY Our fact finding process is fundamental. We strive to learn more about your life goals, risk tolerance, liquidity needs and other unique circumstances. Armed with this knowledge, we build an investment strategy that is customized to your specific situation. UNDERSTAND your unique situation PERSONALIZED INVESTMENT STRATEGIES MONITOR allocation and investments IMPLEMENT your investment plan CREATING A DIVERSIFIED PORTFOLIO MANAGING YOUR PORTFOLIO Upon agreeing to your investment strategy, we then build a portfolio using a combination of passively and actively managed strategies. The underlying investment solutions in our portfolios include: Exchange Traded Funds, mutual funds, separately managed accounts and appropriate limited partnerships. We believe the combination of passive and active strategies creates better long-term performance and improved tax efficiency, while keeping expenses to a minimum. Lenox Advisors will be there at every stage of your investment progression from setting up your account to transferring assets to adjusting your asset allocation. It is critical to remember that as your life changes and your financial situation evolves, so will your target asset allocation. We ll assess your circumstances as they change and offer new insights and strategies to help you stay on track. 8

10 Managing your wealth can be an intimidating process. We turn anxiety into empowerment by becoming our clients personal CFO and developing a set of financial goals as well as a game plan for striving to achieve them.. - Richard P. Van Benschoten, Managing Partner

11 REDEFINING WEALTH MANAGEMENT A WEALTH MANAGEMENT MODEL BUILT AROUND YOU Lenox Advisors unique approach to wealth management has earned praise from the financial press. The epitome of wealth management done right, wrote Investment Advisor magazine, which went on to call our business model, one of the best in the industry. Our approach is founded on our ability to coordinate all aspects of your financial life by combining an unique level of specialized expertise and an exceptional level of service. We think it is especially revealing that many of our clients are financial executives who work for major banks, brokerage firms and money managers. They seek us out for our objectivity and comprehensive focus that distinguishes us from other alternatives available to them. If the complexity of wealth has prevented you from taking the necessary steps to preserve, protect and pass on what you ve worked so hard to accumulate, contact us for a consultation. We think you ll agree that there is a difference among wealth managers the right one can simplify your financial life considerably while providing you with solutions to your most difficult challenges. 10

12 Corporate Headquarters 530 Fifth Avenue 11th Floor New York, NY Follow us on LinkedIn New York Stamford Chicago San Francisco Los Angeles Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC, 530 Fifth Avenue, 14th Floor, New York, NY 10036, Fee based financial planning services are offered through Lenox Advisors, Inc, a registered Investment Advisory Firm, and are not offered or sponsored by MML Investors Services, LLC. Lenox Advisors, Inc is not a subsidiary of or affiliated with MML Investors Services, LLC. Lenox Advisors, Inc is a wholly owned subsidiary of NFP Corp. NFP is not an affiliate or subsidiary of MML Investors Services, LLC. As subsidiaries of NFP, we are members of a financial services network containing approximately 175 owned firms. Firms within the NFP network engage in one or more of its primary lines of business, which include corporate and executive benefits and property and casualty insurance brokerage. Firms are compensated through fees and commissions for services provided to clients in each of these lines of business. Insurance companies and group benefits providers may pay us or our affiliates contingent compensation upon satisfaction of factors such as volume, persistency or profitability of the business placed with such insurance company or group benefits provider. In addition, such product and service providers may pay us or our affiliates fixed amounts related to the support of NFP company conferences, conventions and other marketing efforts. If you are interested in receiving additional information on any of the matters discussed, please contact us. As always, we value your business and appreciate the opportunity to provide you insurance and benefit services. CRN Lenox Advisors, Inc. All rights reserved.