HilltopSecurities. Providing individualized attention and holistic planning to university professors and medical professionals.

Transcription

1 HilltopSecurities Providing individualized attention and holistic planning to university professors and medical professionals HilltopSecurities

2 Creating and Sustaining Relationship Capital Don Burrows, Clint Auttonberry and Michael Agol provide their clients with forthright advice and solutions tailored to meet the unique financial planning needs of their industries. Located in the South Shore Harbour Business District in League City, Texas, we are strategically positioned between Houston and Galveston to provide our brand of superior service to the medical and higher education professionals in the region. Every day, we work to deliver personal, reliable financial advisory services and investment programs to help our clients achieve their definition of success. Should I consolidate my accounts or leave them where they are? How do I manage old retirement accounts from previous employers? How do I plan alongside my spouse s retirement accounts How should I start drawing down my various retirement assets When can I retire and how much income will I need in retirement? Service and Solutions Tailored to You Our team focuses on addressing the long-term financial goals of professors and medical professionals who participate in the Teacher Retirement System of Texas (TRS) and the Optional Retirement Plan (ORP). Additionally, we also offer investment advice specific to the Texas 403(b) market an area many advisors do not work with due to the often complicated rules and investment restrictions of the university system. We have a deep understanding of university compensation structures, how they fit with other streams of income for professors including publishing, consulting and research and their impact on retirement and tax planning needs. Overall, the financial plan of professionals in your industry should take into consideration Social Security Benefits, 403b distributions rules and tax implications. If you are nearing retirement, our team can work with you to guide you through the necessary steps to effectively transition your assets and avoid a gap in your income and benefits. Questions we can help you address include: What combination of retirement plans is right for me (ORP, 403b, 457b, UTGRA)? Partnership & Personal Service With HilltopSecurities, you will have a personal relationship with our group uncommon in the financial services industry. Furthermore, through HilltopSecurities Advisory Services Group, we offer a variety of fee-based advisory programs that enable us to implement and continuously monitor a customized asset-allocation strategy. Programs include: Advantage Partner Direct Access Premier Advisors Russell Strategies We have been serving clients as a team since December As our client, you will receive our full attention and a custom-fit investment plan tailored to what is most important to you.

3 Don Burrows, Clint Auttonberry and Michael Agol As trusted advisors and advocates, we develop a working relationship with our clients centered on a foundation of transparency and candid conversation. Pairing honesty with sound judgment, we help you achieve confidence in your decision making so you can reach your financial goals. Our primary aim is to provide personalized solutions and services to medical and higher education professionals who are looking for more than a cookiecutter approach to their retirement plan. We provide: Guidance specific to the TRS and ORP markets to include all 403(b), 457 and 415m retirement options offered by Texas universities Guidance on retirement benefit options offered by Texas universities to ensure you take advantage of all options available Assistance and education to help you consider how much to save, what you will need in retirement and how to evaluate the appropriate asset allocation mix and investment vehicles A second opinion on current financial plans, insurance and investments Organization and consolidation of accounts Periodic account reviews to help ensure you remain on track toward meeting your financial objectives Services for Texas 403(b) Texas public university employees are given the opportunity to enroll in either the Teacher Retirement System (TRS) or the Optional Retirement Plan. In most cases, the selection is a one-time, irrevocable choice. Whether you have chosen to participate in the TRS or ORP, you are still eligible to work with a financial advisor. Including an advisor in your planning will provide you with an analysis tailored to your individual situation. We will work with you to develop a holistic approach and outlook by considering the big picture view of your financial life beyond the single retirement account. There are a variety of funds and products in which you can invest your retirement and savings, and we can help you understand and select the most appropriate set of investment vehicles for your financial objectives, regardless of your current 403(b) custodian.

4 HilltopSecurities Certainty Circle of Life Many of our client relationships start with the creation of a long-term holistic financial plan. Often, individuals who consider partnering with us have traditional employer-sponsored benefits, a basic will, life insurance, a handful of investment accounts and a retirement plan (401k, 403b). They also have an idea of how they want to spend their retirement years, but are uncertain if they are on the right track to realize that vision. HilltopSecurities Certainty Circle of Life (CCOL), a holistic financial planning model, is designed to provide you with a roadmap to financial clarity and the empowerment of knowing you are secure through retirement and beyond. With CCOL, we ll work with you to consider all areas of your financial future and how we can leverage forwardthinking to help you pursue your financial goals. mysavings is the accumulation of assets you have to deploy throughout your retirement. Through careful consideration, our team can help you build a strong foundation to prepare for what life may throw your way. To determine how much you need, we work with you to find out what matters most in regards to your basic needs and desired lifestyle. mybasics is comprised of your core expenses food, water and shelter for the next years. In order to have the essentials covered throughout retirement, you ll need a stable and dependable income. myretirement is just that: yours. Once you have your savings and basics covered, we'll help you consider discretionary spending for your retired lifestyle so you can live the life you ve been working for. myprotection helps provide you with security for the events in life you cannot control. Through traditional long-term care and asset-based long-term care insurance, as well as life insurance riders, we can help you avoid relying on family members for your healthcare. Plus, via the home health coverage provided in most policies, these options provide you the best means to stay in your own home in the event of a prolonged illness. mylegacy helps you gain control and leverage of your assets through a thorough review of wills, trusts, beneficiary designations and life insurance policies. Throughout our partnership with you, we will develop and regularly revisit a holistic financial plan that will provide some certainty in an ever-changing financial landscape. Furthermore, we will integrate key solutions and services with this all-inclusive planning model to help tailor investments and accounts that benefit you as an employee of a Texas public university. mylegacy myprotection mysavings Certainty Circle of Life myretirement mybasics When planning for your financial future, there are things you need to know for sure. Things you need to be certain about. You need the Certainty Circle of Life for yourself and your family.

5 The Burrows, Auttonberry & Agol Investment Group at HilltopSecurities About Your Team Based in League City, Texas, Don Burrows, Clint Auttonberry and Michael Agol established their team at HilltopSecurities to reflect the breadth of services they offer to institutional and individual private clients. With 60 years of combined industry experience, Don, Clint and Mike are a local team who has supported associations such as: League City Regional Chamber of Commerce Bay Area Houston Economic Partnership Galveston Chamber of Commerce Community in Schools Bay Area Clear Creek Independent School District Future Farmers of America Anchor Point About HilltopSecurities HilltopSecurities, a member of NYSE, FINRA and SIPC, delivers the forthright advice and tailored solutions necessary for municipal issuers, institutions, broker-dealers and individuals to thrive. Leveraging our bold, adaptive firm culture and deep municipal market experience, HilltopSecurities blends honesty with sound judgment, serving as our clients strongest ally and fiercest advocate. Furthermore, as part of the Hilltop Holdings family of companies alongside PlainsCapital Bank, PrimeLending and National Lloyds the strength of our firm is built upon a wellcapitalized, publicly-traded parent company focused on building a lasting legacy. At HilltopSecurities, relationship capital is the capital we value most. From personal security and freedom to institutional growth and community expansion, we leverage our deep roots and the resources of the entire firm to help our clients pursue their definition of success.

6 About Don Burrows Don Burrows has more than 30 years of experience in the financial services industry working with institutional, corporate and private client investors. Prior to moving his team to Hilltop Securities Inc. in 2012, he was a Managing Director and Investment Officer with Wells Fargo and their predecessor firms, First Union and Wachovia Securities, for 12 years. Mr. Burrows has extensive experience in the Credit Markets in addition to various other fixed income investments. He leads his team's portfolio management efforts for their private clients' four model portfolios. Along with his partners, he works with the team's clients in developing and implementing their financial plans. Mr. Burrows attended Stephen F. Austin State University and the Southwestern Graduate School of Banking at Southern Methodist University. He holds Series 7, 63, 65 and Group 1 life and health licenses. Mr. Burrows was formerly a member of the Wells Fargo Advisors' Chairman's Council and is currently a member of the HilltopSecurities Leadership Council and the Wealth Management Advisory Council. About Clint Auttonberry Clint Auttonberry has more than 15 years of experience in the financial services industry serving both institutional and individual clients. Prior to joining Hilltop Securities Inc. and forming the Burrows Auttonberry & Agol Investment Group in 2012, he was an Associate Vice President of Investments with Wells Fargo Advisors and their predecessor firms, First Union Securities and Wachovia Securities. Mr. Auttonberry has extensive experience in trading and researching fixed income securities, equities, options, exchange traded funds (ETFs) and mutual funds. He helps provide a wide range of services to our clients, including asset allocation and investment analyses, portfolio management, financial planning and execution of fixed income trades for our institutional clients. Mr. Auttonberry graduated from the University of Houston's Bauer College of Business with a degree in finance and a minor in Latin American studies. He currently holds Series 7, 63, 65 and Group 1 life and health licenses.

7 About Michael Agol Michael Agol has more than 20 years of experience in the financial services industry. Through value added advice and services, Mr. Agol makes it his mission to focus on the financial well-being of his clients so they have more time to build their companies and follow their passions. His clients range from individual investors and companies to retirement plans and charitable foundations. Utilizing two decades of experience, Mr. Agol offers a variety of services to his clients including, but not limited to, investment recommendations, portfolio management, stock option planning, fixed-income planning and 401k rollovers. He holds Series 7, 63, 65, and managed futures & insurance licenses. About Pauline Smith Pauline Smith has more than 15 years of experience in the financial services industry, serving both institutional and individual clients in Galveston County and the surrounding area. Mrs. Smith is a Client Service Associate for the Burrows, Auttonberry & Agol Investment Group (BAA), responsible for client communications and managing the team s back-office and operations functions. Prior to joining BAA, Smith served with Merrill Lynch Galveston County working with private clients in the healthcare, maritime and legal industries. About Rolando Villareal Rolando Villarreal began his career in the financial services industry in 2010, working with various credit unions in Galveston County. He is a Customer Services Associate for the Burrows, Auttonberry & Agol Investment Group at HilltopSecurities BAA) and leads the group s business development practices in the Galveston County area. Prior to joining BAA, Rolando served with University Federal Credit Union and Gulf Coast Educators Federal Credit Union, where he managed relationships with existing clients and prospected new business development opportunities.

8 Contact Us Feel free to give us a call or stop by our office to see a familiar face. We are on campus often, and will be glad to swing by and visit with you as well. Don Burrows Senior Vice President Clint Auttonberry Vice President Michael Agol Vice President direct toll free fax BAAinvest@HilltopSecurities.com BAAinvest.com Burrows Auttonberry and Agol is a marketing name for a group of registered representatives within Hilltop Securities Inc. Burrows Auttonberry and Agol does not offer tax or legal advice OFFICE: 2450 South Shore Blvd., Suite 220, League City, Texas Hilltop Securities Inc. All rights reserved MEMBER: FINRA/NYSE/SIPC BAA