Prudential Financial Solutions. Planning for Life with. A Unique Personal Advisory Process Designed to Help You Grow and Protect Your Wealth

Transcription

1 PRUDENTIAL FINANCIAL PLANNING SERVICES Planning for Life with Prudential Financial Solutions A Unique Personal Advisory Process Designed to Help You Grow and Protect Your Wealth

2 Finally, financial planning that is NOT one size fits all. Your financial needs and goals can be many things. Short-term. Long-term. Straightforward. Highly complex. They are driven by the specific details of your life and are as distinctive as you are. And above all, your needs and goals are personal. That s why Prudential Financial offers you a way to grow and protect your assets through an exclusive advisory process that treats your needs uniquely as the very individual things they are. Introducing Prudential Financial Solutions a focused, flexible and fitting way for you to take control of managing your financial life and achieving your financial goals. Just what is Prudential Financial Solutions? Prudential Financial Solutions is best described as four interconnected steps. Each one has its own importance. Together, they make up a logical and seamless financial decision-making process, one that delivers the information and resources you need to make the kind of financial decisions you can feel confident in and stay in control of over time. Creating Your Personalized Financial Profile Your Prudential fee-based Financial Planner will invest quality time to understand your big picture, who you are and what matters most. That means taking inventory of your current financial situation and your goals, and asking tough questions about what s important to you. Because, in the end, your plan will only work with your commitment behind it. Your Planner will also play an active role in developing your plan. He or she will personally analyze the data in your profile, review the grow and protect elements together as they relate to your goals, and tap a vast pool of financial experts with information on tax and estate planning to provide you with objective recommendations to your financial needs. Your plan is more than just a series of action steps leaving you to your own devices. Based on your specific situation, your licensed Prudential professional will provide tailored recommendations on specific insurance and investment products and services to assist you in executing the plan to help you reach your goals. An important consideration to you is developing a long-term relationship with your Financial Planner, who is concerned about your financial well-being. Today and tomorrow. So together, you ll agree on when and how often your plan should be reviewed. You won t have to go it alone. Please take a moment to read on about why you ll find Prudential s Financial Solutions process so logical, understandable, and empowering!

3 What are the distinct benefits of Prudential Financial Solutions? Flexibility to meet your specific needs, no matter what their size and scope. Do your needs revolve around a single goal, such as retirement, estate planning, or education funding? Your Financial Planner can help you develop a straightforward action plan that focuses on the most efficient route to meeting just that single objective. Do you have more complex and sophisticated planning needs and a substantial portfolio? Your Financial Planner has the experience, access to a team of financial specialists, and extensive, in-depth resources to develop a more comprehensive financial planning strategy. Solution-driven so that you move past ideas and right to taking action. With the Financial Solutions process, you won t be left with a lot of recommendations and just as many questions about what to do next. Instead, you ll get an objective plan, with clear rationales for every recommendation, along with outlined action steps that your Prudential professional can help you execute with the right blend of products and services. Customized pricing, so what you pay is based on the level of your specific need. Our fee-based approach means that what you pay will match the scope of the financial needs and goals that are addressed in your initial personalized plan. You pay only for what you need at that time. Once you move to the monitoring phase, the fee structure will change to meet your needs, as well. Powerful resources, so that you can leverage the collective knowledge of a talented team of experts. As part of his or her value-added advice and service, your Financial Planner will be able to tap an extensive network of financial professionals including CPAs, attorneys, estate planning specialists, and others to assist in developing specialized financial planning and investment strategies, as needed, on your behalf. Should you even need to adjust your plan based on changes in your situation, tax laws, or investment results or have technical questions you ll have access to the collective knowledge of these specialists. Start Planning for Life... with Prudential Financial Solutions. Take control of managing your financial life one step at a time focusing on the goals that matter most to you. Call your Prudential Financial Planner today to learn more about Prudential Financial Solutions. Your Financial Planner leveraging the collective resources of the Financial Solutions advisory process will work closely with you to help profile, develop, implement, and monitor a practical, sensible and realistic financial plan that meets a broad range of needs, including, but not limited to: Retirement Planning Education Funding Estate Planning Funding Major Purchases Asset Allocation Life Insurance Protection Long Term Care Protection Disability Income Protection Let us put Financial Solutions to work for you. Please call to arrange a personal, noobligation meeting with your Prudential Financial Planner today. Working together, we can create a complete financial planning solution that s customized to help you grow and protect your wealth.

4 PRUDENTIAL FINANCIAL PLANNING SERVICES Creating Your Personalized Financial Profile As a first step, your Financial Planner will meet with you to obtain a clear picture of your current financial situation. Your Planner will ask you a series of probing questions and review financial documents (this can include tax returns, employee benefit information, investment account statements, wills, and more) to perform a thorough analysis; a realistic plan for the future is based on a realistic assessment of the present. Your Planner will also take the time to understand you and what you value most in life: your loved ones, future security, and prosperity. He or she will ask you specific questions on these matters to better understand your priorities and what motivates you as an individual. For example: Once you have discussed all your options, your financial road map is ready to be implemented. It has taken your complete financial picture into account, having defined your short- and long-term goals, risk tolerance, time horizon, and any obstacles or issues that might stand in your way. How important is it for your family to be able to maintain their lifestyle if something happened to you? Does the possibility of outliving your money concern you? Your Financial Planner will evaluate all this information even speak with your other professional advisors, including your accountant or attorney to ensure the information is truly comprehensive, so that your plan will be as individual as you are. But it s more than just recommendations and a series of action steps, leaving you on your own to move forward. It s ongoing involvement, support and advice through the Financial Solutions process. Your Financial Planner will continue to play an important role in your financial decision-making process and help you execute your plan. He or she will provide you with guidance on specific products and services that present the right fit with your needs. What are your short- and long-term goals? What financial options do you want in the future that you don t have today? Your Planner will play an active role in developing your plan by personally analyzing the data provided in your profile. And through Financial Solutions, he or she will have access to an extensive network of financial professionals attorneys, accountants, estate planning experts and others when their collective wisdom and skills are needed to develop sound and objective recommendations. Your life doesn t stand still, and neither should your financial plan. At times, you will need to update your plan to reflect changes in your life. And, you will definitely need to assess the progress made toward achieving your goals. Your Planner will take a hard look at your financial needs including the potential integration of the grow and protect elements to give you the best possible balance of risk and reward. He or she will weigh the critical factors involved with asset growth, including a thorough review of your investment options, to determine a sound asset allocation strategy that will provide you with the right portfolio mix based on your goals, risk tolerance and time horizon. Your Planner will also identify potential threats that could negatively impact your life, such as the rising cost of health care, unexpected death or disability, and the transfer of assets to your heirs. Based on their likely impact in your own situation, your Planner will make recommendations on how you can best protect yourself. Your plan will be a complete, customized solution that your Planner will personally present to you to discuss its strategies and recommendations in detail and ensure that you are totally confident moving forward. But you don t need to go it alone. Your Financial Planner will remain an integral and involved resource in the financial decision-making process and will help you monitor your plan at regular intervals that you agree upon. The financial plan reviews are thorough and enable you to check your progress and make adjustments, if necessary based on changes in your needs, tax code, investment results or assumptions about the future. And, at any point, should you have questions about your investments or overall investment strategy, your Financial Planner will be ready to help you. You can rely on your Prudential Financial Planner as a trusted resource and on the Prudential Financial Solutions advisory process to help you assess key financial needs and develop strategies for achieving your financial goals and dreams, now and in the future.

5 PRUDENTIAL FINANCIAL PLANNING SERVICES Creating Your Personalized Financial Profile As a first step, your Financial Planner will meet with you to obtain a clear picture of your current financial situation. Your Planner will ask you a series of probing questions and review financial documents (this can include tax returns, employee benefit information, investment account statements, wills, and more) to perform a thorough analysis; a realistic plan for the future is based on a realistic assessment of the present. Your Planner will also take the time to understand you and what you value most in life: your loved ones, future security, and prosperity. He or she will ask you specific questions on these matters to better understand your priorities and what motivates you as an individual. For example: Once you have discussed all your options, your financial road map is ready to be implemented. It has taken your complete financial picture into account, having defined your short- and long-term goals, risk tolerance, time horizon, and any obstacles or issues that might stand in your way. How important is it for your family to be able to maintain their lifestyle if something happened to you? Does the possibility of outliving your money concern you? Your Financial Planner will evaluate all this information even speak with your other professional advisors, including your accountant or attorney to ensure the information is truly comprehensive, so that your plan will be as individual as you are. But it s more than just recommendations and a series of action steps, leaving you on your own to move forward. It s ongoing involvement, support and advice through the Financial Solutions process. Your Financial Planner will continue to play an important role in your financial decision-making process and help you execute your plan. He or she will provide you with guidance on specific products and services that present the right fit with your needs. What are your short- and long-term goals? What financial options do you want in the future that you don t have today? Your Planner will play an active role in developing your plan by personally analyzing the data provided in your profile. And through Financial Solutions, he or she will have access to an extensive network of financial professionals attorneys, accountants, estate planning experts and others when their collective wisdom and skills are needed to develop sound and objective recommendations. Your life doesn t stand still, and neither should your financial plan. At times, you will need to update your plan to reflect changes in your life. And, you will definitely need to assess the progress made toward achieving your goals. Your Planner will take a hard look at your financial needs including the potential integration of the grow and protect elements to give you the best possible balance of risk and reward. He or she will weigh the critical factors involved with asset growth, including a thorough review of your investment options, to determine a sound asset allocation strategy that will provide you with the right portfolio mix based on your goals, risk tolerance and time horizon. Your Planner will also identify potential threats that could negatively impact your life, such as the rising cost of health care, unexpected death or disability, and the transfer of assets to your heirs. Based on their likely impact in your own situation, your Planner will make recommendations on how you can best protect yourself. Your plan will be a complete, customized solution that your Planner will personally present to you to discuss its strategies and recommendations in detail and ensure that you are totally confident moving forward. But you don t need to go it alone. Your Financial Planner will remain an integral and involved resource in the financial decision-making process and will help you monitor your plan at regular intervals that you agree upon. The financial plan reviews are thorough and enable you to check your progress and make adjustments, if necessary based on changes in your needs, tax code, investment results or assumptions about the future. And, at any point, should you have questions about your investments or overall investment strategy, your Financial Planner will be ready to help you. You can rely on your Prudential Financial Planner as a trusted resource and on the Prudential Financial Solutions advisory process to help you assess key financial needs and develop strategies for achieving your financial goals and dreams, now and in the future.

6 PRUDENTIAL FINANCIAL PLANNING SERVICES Creating Your Personalized Financial Profile As a first step, your Financial Planner will meet with you to obtain a clear picture of your current financial situation. Your Planner will ask you a series of probing questions and review financial documents (this can include tax returns, employee benefit information, investment account statements, wills, and more) to perform a thorough analysis; a realistic plan for the future is based on a realistic assessment of the present. Your Planner will also take the time to understand you and what you value most in life: your loved ones, future security, and prosperity. He or she will ask you specific questions on these matters to better understand your priorities and what motivates you as an individual. For example: Once you have discussed all your options, your financial road map is ready to be implemented. It has taken your complete financial picture into account, having defined your short- and long-term goals, risk tolerance, time horizon, and any obstacles or issues that might stand in your way. How important is it for your family to be able to maintain their lifestyle if something happened to you? Does the possibility of outliving your money concern you? Your Financial Planner will evaluate all this information even speak with your other professional advisors, including your accountant or attorney to ensure the information is truly comprehensive, so that your plan will be as individual as you are. But it s more than just recommendations and a series of action steps, leaving you on your own to move forward. It s ongoing involvement, support and advice through the Financial Solutions process. Your Financial Planner will continue to play an important role in your financial decision-making process and help you execute your plan. He or she will provide you with guidance on specific products and services that present the right fit with your needs. What are your short- and long-term goals? What financial options do you want in the future that you don t have today? Your Planner will play an active role in developing your plan by personally analyzing the data provided in your profile. And through Financial Solutions, he or she will have access to an extensive network of financial professionals attorneys, accountants, estate planning experts and others when their collective wisdom and skills are needed to develop sound and objective recommendations. Your life doesn t stand still, and neither should your financial plan. At times, you will need to update your plan to reflect changes in your life. And, you will definitely need to assess the progress made toward achieving your goals. Your Planner will take a hard look at your financial needs including the potential integration of the grow and protect elements to give you the best possible balance of risk and reward. He or she will weigh the critical factors involved with asset growth, including a thorough review of your investment options, to determine a sound asset allocation strategy that will provide you with the right portfolio mix based on your goals, risk tolerance and time horizon. Your Planner will also identify potential threats that could negatively impact your life, such as the rising cost of health care, unexpected death or disability, and the transfer of assets to your heirs. Based on their likely impact in your own situation, your Planner will make recommendations on how you can best protect yourself. Your plan will be a complete, customized solution that your Planner will personally present to you to discuss its strategies and recommendations in detail and ensure that you are totally confident moving forward. But you don t need to go it alone. Your Financial Planner will remain an integral and involved resource in the financial decision-making process and will help you monitor your plan at regular intervals that you agree upon. The financial plan reviews are thorough and enable you to check your progress and make adjustments, if necessary based on changes in your needs, tax code, investment results or assumptions about the future. And, at any point, should you have questions about your investments or overall investment strategy, your Financial Planner will be ready to help you. You can rely on your Prudential Financial Planner as a trusted resource and on the Prudential Financial Solutions advisory process to help you assess key financial needs and develop strategies for achieving your financial goals and dreams, now and in the future.

7 PRUDENTIAL FINANCIAL PLANNING SERVICES Creating Your Personalized Financial Profile As a first step, your Financial Planner will meet with you to obtain a clear picture of your current financial situation. Your Planner will ask you a series of probing questions and review financial documents (this can include tax returns, employee benefit information, investment account statements, wills, and more) to perform a thorough analysis; a realistic plan for the future is based on a realistic assessment of the present. Your Planner will also take the time to understand you and what you value most in life: your loved ones, future security, and prosperity. He or she will ask you specific questions on these matters to better understand your priorities and what motivates you as an individual. For example: Once you have discussed all your options, your financial road map is ready to be implemented. It has taken your complete financial picture into account, having defined your short- and long-term goals, risk tolerance, time horizon, and any obstacles or issues that might stand in your way. How important is it for your family to be able to maintain their lifestyle if something happened to you? Does the possibility of outliving your money concern you? Your Financial Planner will evaluate all this information even speak with your other professional advisors, including your accountant or attorney to ensure the information is truly comprehensive, so that your plan will be as individual as you are. But it s more than just recommendations and a series of action steps, leaving you on your own to move forward. It s ongoing involvement, support and advice through the Financial Solutions process. Your Financial Planner will continue to play an important role in your financial decision-making process and help you execute your plan. He or she will provide you with guidance on specific products and services that present the right fit with your needs. What are your short- and long-term goals? What financial options do you want in the future that you don t have today? Your Planner will play an active role in developing your plan by personally analyzing the data provided in your profile. And through Financial Solutions, he or she will have access to an extensive network of financial professionals attorneys, accountants, estate planning experts and others when their collective wisdom and skills are needed to develop sound and objective recommendations. Your life doesn t stand still, and neither should your financial plan. At times, you will need to update your plan to reflect changes in your life. And, you will definitely need to assess the progress made toward achieving your goals. Your Planner will take a hard look at your financial needs including the potential integration of the grow and protect elements to give you the best possible balance of risk and reward. He or she will weigh the critical factors involved with asset growth, including a thorough review of your investment options, to determine a sound asset allocation strategy that will provide you with the right portfolio mix based on your goals, risk tolerance and time horizon. Your Planner will also identify potential threats that could negatively impact your life, such as the rising cost of health care, unexpected death or disability, and the transfer of assets to your heirs. Based on their likely impact in your own situation, your Planner will make recommendations on how you can best protect yourself. Your plan will be a complete, customized solution that your Planner will personally present to you to discuss its strategies and recommendations in detail and ensure that you are totally confident moving forward. But you don t need to go it alone. Your Financial Planner will remain an integral and involved resource in the financial decision-making process and will help you monitor your plan at regular intervals that you agree upon. The financial plan reviews are thorough and enable you to check your progress and make adjustments, if necessary based on changes in your needs, tax code, investment results or assumptions about the future. And, at any point, should you have questions about your investments or overall investment strategy, your Financial Planner will be ready to help you. You can rely on your Prudential Financial Planner as a trusted resource and on the Prudential Financial Solutions advisory process to help you assess key financial needs and develop strategies for achieving your financial goals and dreams, now and in the future.

8 Investment advisory services are offered through Prudential Financial Planning Services, a division of Pruco Securities, LLC. Securities offered through Pruco Securities, LLC, 751 Broad Street, Newark, NJ , a Prudential Financial company. Insurance products issued by The Prudential Insurance Company of America, Newark, NJ and its affiliates. Availability of disability insurance and long term care insurance varies by carrier and state The Prudential Insurance Company of America, 751 Broad Street, Newark NJ All rights reserved. IFS-A Ed. 01/2004 IIG2-C1630