Professional Wealth Management

Transcription

1 Professional Wealth Management

2 Our Mission Our Commitment The Schulten Group of Wells Fargo Advisors is an innovative team of ethical investment professionals with more than 100 combined years of investment experience and in-depth knowledge of the financial markets. Our founding principle was, and continues to be, to put your interests above all, with a goal to consistently exceed expectations. We provide portfolio planning and wealth management strategies to many institutions, corporations and private families to help you reach your financial goals. Our Vision The Schulten Group of Wells Fargo Advisors engages in a combination of growth and value-oriented asset management a style that has been historically successful in achieving results in equity and fixed-income markets. Our portfolio strategy is designed to help achieve your unique goals and objectives. Variations in strategy are dictated only when there is a fundamental change in an investment or if your needs change. This vision, combined with an unparalleled level of service, helps turn your goals into realities. 1

3 Meet the Professionals Warren Schulten Financial Consultant Senior PIM Portfolio Manager CA Insurance License #0A11426 Warren has been advising clients on their financial matters for more than 40 years. He received a bachelor s degree from Xavier University and a master s degree from Purdue. He is active in the Long Beach community and supports numerous charitable organizations. Warren and his wife, Vonnie, have raised four children, all college graduates, all successful in their fields. Mark Schulten, CFP Managing Director Investments Senior PIM Portfolio Manager CA Insurance License #0A37735 Mark has been working in the financial arena for over 25 years. He graduated from the University of California at Los Angeles with a bachelor s degree in economics. He also has received his Certified Financial Planner (CFP ) designation from the University of Denver. Mark is actively involved in several Long Beach charities. He and his wife, Lisa, are the proud parents of two children. Allen Schreiber Managing Director Investments Senior PIM Portfolio Manager CA Insurance License #0D21223 Allen has been in the finance business for 14 years, serving as Senior Vice President Investments prior to his current position. He graduated from San Diego State University with a bachelor s degree in finance and received his MBA from Chapman University. He has passed the Financial Planning Specialist exam administered by the Certified Financial Planner Board of Standards. He works closely with executives from many industries throughout the country. Allen and his wife, Jeanine, have two active children. Todd Buchner First Vice President Investments Senior PIM Portfolio Manager CA Insurance License #0B91917 Todd has over 18 years of wealth management and financial services experience with a particular focus on intergenerational wealth transfer. He earned his bachelor s degree from Syracuse University in Originally from Connecticut, he relocated to Long Beach in the early 90 s. In addition to helping his clients pursue and maintain their financial independence, he enjoys a passion for the arts and spending time with family and friends. 2

4 Meet the Professionals Merlin Micken Financial Advisor CA Insurance License #0F82328 Merlin has been a financial advisor since January He is a graduate of the University of Southern California with a degree in entrepreneurial studies and a minor in international relations. With a specialty in the infantry, he served 12 years in the US Marine Corps, achieving the rank of Staff Sergeant. Merlin has been deployed to Japan, Australia, Iraq and Africa, and he is currently a member of the Veterans of Foreign Wars. Susan Christensen Registered Senior Client Associate While living in Bellevue, Washington, Susan began her career in the financial industry as a sales assistant in In 1992, she relocated to Southern California and soon was promoted to branch manager s assistant. Susan was later named Assistant Vice President and Branch Administrator, eventually becoming the registered associate for her office. Now that the office is part of the Wells Fargo Advisors team, Susan continues to operate as the team s cornerstone of the operational and client service initiative. She lives in Long Beach with her husband, Steve. They love to travel and are active sailors. Jenna Gangemi Registered Client Associate Jenna began her career in the financial industry in 2007, assisting the team with operational and client service support. She received her bachelor s degree from California State University, Long Beach, and plans to earn her master s degree in business. She lives in her home town, Huntington Beach. Jenna loves exploring new places and has traveled throughout Western Europe and China. Jessica A. Saunders Client Associate Jessica started in the financial industry with The Schulten Group in She assists the team with operational and client service support. She received a bachelor s degree with a double major in finance and international business with an emphasis in Spanish from California State University, Long Beach, and plans to further her education by obtaining a master s degree. Jessica was raised in Temecula, spent a year abroad in Madrid and currently resides in Huntington Beach. 3

5 How We Do Business The Schulten Group is an experienced team of financial professionals, providing comprehensive wealth management and planning for high-net-worth institutions and families throughout the country. Originally affiliated with Smith Barney, The Schulten Group is proud to be part of the Wells Fargo team. From their offices in Long Beach, California, the team focuses on retirement and portfolio planning, estate and trust services, and insurance and liability management.* Due to their ability to professionally communicate ideas and concepts, the team has expanded their practice through referrals from satisfied clients. At The Schulten Group, the team will: Discuss and help you define your investment goals and objectives. Evaluate your risk tolerance. Develop customized strategies appropriate to your needs. Alert you to potential opportunities and challenges that may affect your investments. Arrange timely meetings to discuss your portfolio and changes to your situation. Produce monthly performance reports and account statements that are accessible on-line. Generate year-end tax statements that include all necessary filing information. The result is a comprehensive investment strategy that fits your needs, is easy to implement and keeps you in control. * Some services available through affiliates. 4

6 Wealth Management Resources Professional Wealth Management Investment/ Retirement Planning Business Advisory Insurance & Annuity 2 Family Matters Estate Planning 3 Lending 4 Financial Goals Statement of Goals Investment Plan Portfolio Management Investment Policy Manager Selection Tax Planning 1 Taxable Tax Free Tax Reduction Social Security Benefits Retirement 401k 403b 457 IRA Roth IRA Mergers & Acquisitions Recapitalizaitions Employee Stock Ownership Plans Capital Solutions Corporate Retirement Plans Profit Sharing 401k Simple IRA Defined-benefit Plans Cash Management Deposits/Banking Services Lockbox and Receivables Control Credit Card Merchant Services Life Insurance Whole and Term Universal and Variable Liability Insurance Umbrella Coverage Income Protection Fixed & Variable Annuities Disability Insurance Long Term Care Education Planning 529 Plans UTMA / UGMA Education IRA Child Living Expenses Special Needs Parents Healthcare Assisted Living Expenses Strategies Estate Taxes Estate Valuation Trusts Living Trusts Credit Shelter Corporate Trustee Heirs Beneficiary Planning Annual Giving Transfer on Death Estate Transfer Charitable Giving Donors Bequests Tailored Lending High Net Worth Personal Business Home Financing HELOC Mortgage Lot Loan Securities Based Custom Line of Credit Letters of Credit Tailored Lending Commercial Commercial Real Estate Equipment Leasing Business Equity Lines 1. Wells Fargo Advisors, LLC is not a legal or tax advisor. 2. Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo Advisors and are underwritten by unaffiliated insurance companies. Wells Fargo Advisors, LLC is a separate nonbank affiliate of Wells Fargo & Company. 3. Trust services are offered through Wachovia Bank, N.A. a national banking association and subsidiary of Wells Fargo & Company, or Delaware Trust Company, N.A., a subsidiary of Wachovia. Trusts that have their situs in and are governed by the law of Delaware, use Delaware Trust Company as the trustee. Wachovia Trust does not provide legal or tax advice. Be sure to consult with your own tax and legal advisors before taking any action that would have tax consequences. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. All estate planning services are provided with the participation of your personal attorney who should review all such materials, Wachovia Bank, N.A. does not prepare Will and trust documents these must be drafted by your attorney. 4. Lending and other banking services available through the Banking Services Group of Wells Fargo Advisors are offered by banking and non-banking affiliates of Wells Fargo & Company, including, but not limited to Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A., Wells Fargo Home Equity Group, a division of Wells Fargo Bank, N.A.; Wachovia Bank, National Association; Wachovia Bank of Delaware, National Association; or Wachovia Financial Services, Inc. All loans and lines of credit are subject to credit approval, verification and collateral evaluation. Products are not available in all states. Certain restrictions apply. Contact one of our Financial Advisors for details. Effective March 20, 2010, Wachovia Bank, National Association, and Wachovia Bank of Delaware, National Association will become Wells Fargo Bank, N.A. 5

7 About Wells Fargo Advisors Our Commitment to You We will honor our relationship with you. When you work with a Financial Advisor from Wells Fargo Advisors, you have someone who takes the time to listen and understand your needs, helps you clarify your goals, and takes seriously the safety and security of your money and investments. We will be fully invested in your success. Your Financial Advisor will help you stay on track to meet your goals through intelligent financial solutions, in-depth analysis of your investments and regular feedback on your progress. We will be with you every step of the way. Your needs and goals will change over time. That s why your Financial Advisor will be there to provide ongoing advice along with the exceptional service you deserve through the ups and downs of markets and economic cycles. A Heritage of Client Service Wells Fargo Advisors is one of the nation s premier financial services firms. Headquartered in St. Louis, it emerged from Wells Fargo s 2009 acquisition of Wachovia Securities. Wells Fargo s brokerage business has more than 15,000 Financial Advisors. Wachovia Securities, which traces its roots to 1879, grew over the years by combining with some of the industry s most respected regional and national firms, including the 2007 acquisition of A.G. Edwards. Throughout their histories, Wells Fargo Advisors predecessors were known for exceptional service based on trust and knowledge and for corporate cultures that put client needs above all else. Wells Fargo Advisors is a subsidiary of Wells Fargo & Company, one of the nation s largest and strongest financial institutions. In business since 1852 and named on Fortune magazine s 2009 list of the World s Most Admired Companies, Wells Fargo is known and respected for its responsible stewardship of its clients assets. 6

8 6700 E. Pacific Coast Hwy, Suite 170 Long Beach, CA office (562) toll free (866) fax (562) website With nearly $1 trillion in client assets as of June 30, 2009, Wells Fargo s brokerage businesses have 15,500 full-service financial advisors and 6,100 licensed financial specialists. This vast network of advisors, one of the nation s largest, serves clients through offices in all 50 states, the District of Columbia and in Latin America. Wells Fargo Advisors is the trade name used by three separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company: Wells Fargo Advisors, LLC, Wells Fargo Advisors Financial Network, LLC, and Wells Fargo Investments, LLC (members SIPC). Statistics include First Clearing, LLC, an affiliate broker-dealer of Wells Fargo & Company. Wells Fargo & Company is a diversified financial services company with $1.3 trillion in assets, providing banking, insurance, investments, mortgage and consumer finance through more than 10,000 stores, over 12,000 ATMs and the internet (wellsfargo.com) across North America and Internationally. Investment and insurance products, and services are offered through Wells Fargo Advisors, LLC Investment and Insurance Products: u NOT FDIC Insured u NO Bank Guarantee u MAY Lose Value