unbiased objective financial guidance

Transcription

1 unbiased objective financial guidance

2 Life is a collection of experiences; we help you plan for them. Our mission is to help our clients visualize and implement their life goals through education and trusted advice. Pierre M. Movsessian MBA, CFP, AIF, LPL Branch Manager

3 the need for objective guidance has never been greater Amid an ever-changing investment landscape, investors need an experienced partner who can guide them through the intricacies of investing and managing their wealth. My 360 Wealth Management Group, a Los Angeles branch of LPL Financial, is that partner. LPL Financial is the largest independent broker/dealer in the country.* We understand that you are faced with a wide array of financial contemplations. You may need to provide financial assistance for a child s education or help support an aging parent. In addition, you must proactively prepare for your own retirement and consider what s to be done with your estate. You are also confronted with a growing number of investment and insurance products and services, and more ways to access them than ever before. Should you invest in mutual funds, annuities, individual securities or a comprehensive asset management strategy? How much insurance is enough? Let My 360 Wealth Management Group help you answer these important questions and provide you with objective financial guidance, while committing to serve your best interest at all times. *As reported by Financial Planning magazine, June , based on total revenue.

4 our objectivity LPL Financial does not develop any of its own proprietary investment products. Therefore, we are able to make investment recommendations based solely on our client s best interests. We believe this is a major point of difference between the financial advice that we provide and the financial advice clients receive elsewhere. In accordance with our efforts to provide an unparalleled level of client service and a superior degree of objectivity, we represent and utilize services and products from a multitude of the nation s leading investment and insurance companies. Please visit our website, under why us, to view these sample firms. why us? Our Research The LPL Financial Research team provides actionable, unbiased investment advice. We offer sophisticated, quality advice that evolves with the shifting investment landscape. We recognize the critical role that timely, independent, objective research plays in pursuing our clients objectives of protecting and growing their portfolios to fund their current and future life goals. Our Technology We invest in building and maintaining advanced reporting analytic and information process systems. 360WealthVision platform delivers complete, fully customizable reports that encompass your entire wealth management strategy. The outcome is an at-a-glance view of every component of your financial picture and how it is performing both in absolute terms and relative to your overall plan. Our Alliances By integrating with our clients existing advisors, attorneys, accountants and other professionals, together with our own specialists and outside professionals, we ve taken a proactive approach to providing our clients with a single point of contact and a single unified team. This approach enables you to choose from among the top professionals for every aspect of your wealth management strategy.

5 We believe in providing you with a comprehensive wealth management plan designed to navigate you throughout your financial life. We will review your current financial position, learn about your future goals and create a final GPS to chart your path into retirement. Following are services and strategies we offer: Wealth and retirement planning Portfolio management Trust and estate planning Private foundation & endowment management Concentrated stock strategies how we serve you We also provide a full range of consulting services tailored toward self-employed business owners, which include: 401(k) and other qualified plans Deferred compensation and defined benefits Insurance services Business succession and exit planning For a detailed list of all our Advice for Life family solutions and small business solutions, please visit

6 Advice for LifeTM To help ensure you are able to address your needs throughout every milestone in your financial life, we adhere to the Advice for Life TM process, a four-step client-centric holistic approach to financial guidance that reflects your priorities and specific life circumstances. Step 1: Discovery Before we get down to crunching numbers, we talk about the things that are most important to you family, community, pastimes, church. We ask a lot of questions about what you are really thinking, feeling and worried about; your experiences with money; and what you have accomplished so far. Together, we figure out where you are now. Step 2: Planning Based on what we discuss in the Discovery phase, we assess your personal situation, gauge where you are now relative to your life goals and priorities, and consider what gaps exist. We weigh the financial implications of each goal we discuss and construct the framework for a plan that supports them. Step 3: Solutions A benefit of holistic planning is that it provides a comprehensive view of all areas of your financial life. During this phase, we recommend specific strategies aligned with each of your goals. This is where we implement your customized plan. Step 4: Monitoring Just when you make plans, life happens and events large or small can change everything. The Monitoring phase incorporates tracking systems to keep your plan on target. We help you plan for the unexpected, anticipate change and adjust your plan over time, as necessary. life milestones We tailor your plan based on where you are in your life A goal is a dream with a deadline. American author Napoleon Hill First job Begin funding a retirement account - 401(k) - IRA Get a credit card Getting married Purchase first home Purchase disability insurance Diversify your portfolio New child Develop a college savings plan Purchase life insurance Establish basic estate plan Changing jobs / divorce / remarry Consolidate 401(k) assets from previous employers into a rollover IRA Mortgage refinance / new mortgage Update will / trust / power of attorney

7 Los Angeles LPL Financial Branch Manager Pierre Movsessian is a CERTIFIED FINANCIAL PLANNER professional, an Accredited Investment Fiduciary, and holds a MBA and BA in finance. These marks identify those individuals who have met the rigorous experience and ethical requirements of the CFP Board, have successfully completed financial planning coursework and have passed the CFP Certification Examination covering the following areas: the financial planning process, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning. CFP certificants also agree to meet ongoing continuing education requirements and to uphold the CFP Board s Code of Ethics and Professional Responsibility, Rules of Conduct and Financial Planning Practice Standards. Our branch also employs or works with other professionals such as CFAs, CPAs, estate planning attorneys and insurance specialists to provide sound, trusted advice. Retiring parents / parent care Explore assisted living options Create a comprehensive estate plan Ensure retirement income Planning for your retirement / kids leave for college Develop a retirement plan Finance college education Diversify your portfolio Legacy planning Transfer of assets to beneficiaries Purchase second home Diversity your portfolio Early retirement Utilize advanced estate planning techniques Establish retirement income distribution strategy Explore charitable giving options Late retirement Update will / estate plan Start taking IRA required minimum distribution at 70½ Manage medical expenses Make assisted living arrangements

8 LPL Financial As a Los Angeles branch of LPL Financial, the nation s largest independent broker/dealer, * we have access to unbiased research and a comprehensive array of tools, resources and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer you objective investment guidance and retirement plan recommendations. *As reported by Financial Planning magazine, June , based on total revenue. To learn more about My 360 Wealth Management Group, a Los Angeles branch of LPL Financial, please contact our experienced team today at My 360 Wealth Management Group 500 N. Brand Boulevard, Suite 1270 Glendale, CA TEL FAX Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.