PRUDENTIAL FINANCIAL PLANNING SERVICES. The Difference Financial Planning Can Make

Size: px
Start display at page:

Download "PRUDENTIAL FINANCIAL PLANNING SERVICES. The Difference Financial Planning Can Make"

Transcription

1 PRUDENTIAL FINANCIAL PLANNING SERVICES The Difference Financial Planning Can Make

2 Your Current Financial Situation If you re like most people, you ve taken some steps to reach a few of your financial goals. Do you know if you re going about it the right way? Most of us don t have: The ability to distance ourselves from immediate concerns and take a long-range view of our financial goals The knowledge to know what strategies are best The time we really need to look at all the possible solutions A Holistic Approach to Financial Planning A holistic approach to managing your finances takes your financial goals and dreams into account first. Then together, we embark on a journey to help you develop an integrated financial plan to realize those dreams. It s my mission, as a Financial Planner, to help you reach your short- and long-term financial objectives through the development of your

3 plan. With this, you will have more confidence in knowing your next step is helping you move along the path towards financial security. Determining if a Financial Plan Can Be of Value to You Creating a path to a successful financial future can be difficult. All of your financial needs are part of a big, interrelated picture. As a Financial Planner, I can look at your situation and help you with the following: Assessing your financial situation Tracking income and expenses Determining net worth Establishing an emergency fund Saving for major expenses Funding a college education Buying a house or car Developing a cash reserve for special occasions like weddings or vacations

4 Retirement planning Estimating retirement income and expenses Determining the amount of money you need to save to meet your future retirement income goals Estimating the value of government programs Identifying tax strategies to help minimize tax liabilities Investment planning Reviewing your experience and attitude about money and investing Assessing your risk tolerance, including identifying your biggest concerns about investing Developing an asset allocation strategy for each accumulation goal Determining investment vehicles that best match your tolerance for risk and time horizons Tax planning Identifying potential tax liabilities and tax-deferral strategies Staying abreast of recent tax law changes Protecting against financial crisis Helping to ensure your family s ongoing financial needs will be met if you die Helping to meet your financial needs in the event that you become disabled or need special care Planning for continuing your business

5 Estate planning strategies Evaluating your estate Helping to plan for the orderly distribution of your estate Helping to provide a legacy to loved ones and valued charitable organizations If you have multiple financial needs, you could probably benefit greatly from a comprehensive plan, and from professional assistance in helping to build one.

6 How We Can Work Together PURPOSE FREQUENCY COST AS A FINANCIAL PLANNER: FINANCIAL PLANNING BASED ENGAGEMENT OBJECTIVE: NON-PRODUCT SPECIFIC ADVICE Comprehensive in-depth analysis of: Net Worth and Cash Flow Investment Planning & Allocation Risk Management Income Tax Planning Retirement Planning Estate Planning Strategies Relationship- Based: Meet as necessary to help ensure that you understand your financial plan Fee-Based: Agreed upon fee for financial planning service Agreed upon fee for annual updates as needed Commission and/or fees if you decide to purchase products/ investments to implement your financial plan AS AN INVESTMENT ADVISORY REP: ASSET MANAGEMENT Asset Allocation and Rebalancing Innovative Risk Management Portfolio Enhancement Tax Planning Strategies Quarterly or annual reviews relevant to platform chosen and client preference Quarterly fees based on platform chosen and account size AS A FINANCIAL PROFESSIONAL: NEEDS ANALYSIS Provide products and high-level single needs analysis Annual review of account performance and contact for issues related to your accounts Commissions earned on products/ investments

7 Your Financial Planning Process Establish Your Financial Goals Review Your Progress 2 Understand Your Situation Implement Solutions or Provide Guidance 1 Benefit From Knowledgeable Analysis Review & Discuss Strategies Establish your financial goals AGENDA Initial discussion of your financial situation, goals, and expectations Client completes financial profile Understand your situation Conduct robust goal development discussion and collect financial profile and documents Financial Planner begins analysis Analyze your information Verify data, highlight areas of concern or opportunity, and share initial findings OBJECTIVE Gain an understanding of the process, complete Client Advisory Agreement and review financial profile Obtain all relevant information to begin analysis Understand basis for analysis, refine plan data, and collaborate on what if scenarios Financial Planner develops recommendations and action plan Review and discussion Implementation Progress review Read custom recommendations, answer questions, and review action plan Execute items from action plan Evaluate progress and adjust for changes in circumstances over time Chart a specific path for achieving all financial goals Act on recommendations Ensure successful implementation and refine strategies 1 You have a choice to implement the recommendations in your financial plan on your own, with your Financial Planner or through another financial services professional. If you choose to implement your plan with your Financial Planner, he or she may sell services and products to you in his or her capacities as (1) a registered representative of Pruco Securities, LLC, a registered broker-dealer, and/or (2) a licensed insurance agent of The Prudential Insurance Company of America and/or its insurer affiliates. 2 You should review your progress toward goals periodically.

8 Plan for tomorrow today with Prudential It s not too early or too late to develop an effective plan that can help you achieve your financial goals with confidence. The plan we make will help provide you with: A clear picture of where you stand today. We will gather all information needed to clarify your current financial goals and prepare an analysis reflecting your current resources and investment personality. A clear vision of where you re going. You ll have a roadmap outlining the action steps you need to take, the strategies you can employ and the savings you will need to reach your financial goals. We ll also identify any gaps that may put your plan at risk and recommend adjustments to help close those gaps. A clear strategy to help you get there. Identify and implement appropriate insurance and investment vehicles that will offer both potential growth and protection for what matters. I can also help perform periodic reviews of your progress towards your goals and offer updated strategies if necessary.

9 Below is a handy reminder checklist of the types of documentation you may need to provide to develop your financial plan. Checking and savings account information Loan and credit card statements Mortgage and property titles Investment statements Insurance policies Employee benefit plans and statements Business or partnership agreements Most recent federal and state income tax returns Trust agreements and wills Other pertinent financial data:

10 Partner With a Leader Prudential Financial has been helping individuals and institutions meet their financial challenges since With our global presence, we are one of the most recognized brands in the financial services industry and have a diverse range of businesses including insurance, investments, and retirement. Prudential is the second-largest life insurer in the United States (life and group combined) based on total admitted assets. 3 Our domestic insurance company subsidiaries financial strength is rated by the major independent rating agencies as follows. 4 Assets Under Management $1.218 trillion (as of March 31, 2016) Gross Life Insurance in force worldwide $3.5 trillion (as of December 31, 2015) The Prudential Insurance Company of America Financial Strength Ratings A.M. BEST COMPANY A+ FITCH RATINGS A+ STANDARD & POOR S AA- MOODY S A1 3 At December 31, 2013, ranking for Prudential Financial, through its life insurance companies, according to A.M. Best. 4 Ratings ranges: AAA (Extremely Strong) is the highest of 21 ratings that Standard & Poor s extends, the lowest being R (has experienced regulatory action), and is a measure of claimspaying ability. Aaa (offers exceptional financial security) is the highest of 21 ratings that Moody s extends, the lowest being C (having extremely poor prospects of ever offering financial security), and is a measure of financial security. A++ (Superior) is the highest of 16 ratings that A.M. Best extends, the lowest being S (Suspended), and is a measure of claims-paying ability. AAA (Exceptionally Strong) is the highest of 21 ratings that Fitch Ratings extends, the lowest being C (Distressed), and is a measure of insurer financial strength. Ratings are not an indication of any variable portfolio s performance, which fluctuates with market conditions. Ratings are not a guarantee of future financial strength and/or claims-paying ability. Note that Pruco Life Insurance Company of New Jersey and Prudential Annuities Life Assurance Corporation are not rated by Moody s. The above ratings are subject to change and do not reflect any subsequent rating agency actions. Please visit our investor relations site, for the most current ratings information, or the website of the relevant rating agency.

11

12 Prudential and its representatives do not give legal or tax advice. Please consult your own advisors regarding your particular situation. Offering financial planning and investment advisory services through Pruco Securities, LLC (Pruco), doing business as Prudential Financial Planning Services (PFPS), pursuant to separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities Prudential Financial, Inc. and its related entities, 751 Broad Street, Newark, NJ All Rights Reserved

A CAREER IN FINANCIAL PLANNING WITH PRUDENTIAL ADVISORS

A CAREER IN FINANCIAL PLANNING WITH PRUDENTIAL ADVISORS A CAREER IN FINANCIAL PLANNING WITH PRUDENTIAL ADVISORS Prudential financial professionals have the opportunity to grow their practices by pursuing Prudential s fee-based financial planning services as

More information

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

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

More information

INVEST IN TOMORROW. Prudential Managed Account. Strategic Portfolios

INVEST IN TOMORROW. Prudential Managed Account. Strategic Portfolios INVEST IN TOMORROW Prudential Managed Account Strategic Portfolios LINK by Prudential Connect the dots of your financial life. LINK by Prudential is designed to be there for you throughout your life, no

More information

Is Your Financial House In Order?

Is Your Financial House In Order? Is Your Financial House In Order? Morgan (Trey) Laffitte III, CFP, RICP Financial Planner 850-553-3389 Trey.Laffitte@prudential.com The Prudential Insurance Company of America 751 Broad Street Newark,

More information

PruLife SVUL Protector

PruLife SVUL Protector PruLife SVUL Protector BECAUSE THE NEXT GENERATION MATTERS. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey. ABOUT THIS BROCHURE. This brochure provides an overview

More information

PRULIFE FOUNDERS PLUS UL

PRULIFE FOUNDERS PLUS UL CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PRULIFE FOUNDERS PLUS UL PROTECTION AND FLEXIBILITY THAT CAN LAST A LIFETIME NOT FOR CONSUMER USE. 0254988-00002-00 Ed. 12/2013 Exp. 06/12/2015 ONE WAY TO

More information

Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT.

Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133 Ed. 07/2017 0251133-00007-00 Exp. 07/07/2018 Did You Know?

More information

Her parents know the strength of The Rock. Many years from now, she ll know it too.

Her parents know the strength of The Rock. Many years from now, she ll know it too. Her parents know the strength of The Rock. Many years from now, she ll know it too. At Prudential, our promise to be there is as strong as ever. Through a combination of fundamental business strength,

More information

LIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think.

LIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think. THE PRUDENTIAL INSURANCE COMPANY OF AMERICA LIFE INSURANCE Understanding Your Life Insurance Options MANY PEOPLE BENEFIT FROM HAVING A COMBINATION OF BOTH AND LIFE INSURANCE POLICIES offer convenience

More information

RETIREMENT STRATEGIES. Reaching Your Retirement Goals

RETIREMENT STRATEGIES. Reaching Your Retirement Goals RETIREMENT STRATEGIES Reaching Your Retirement Goals Like many people today, you re trying to save and invest for retirement. Building wealth and managing the assets you ve accumulated are important, but

More information

RETIREMENT INCOME CERTAINTY STARTS TODAY

RETIREMENT INCOME CERTAINTY STARTS TODAY RETIREMENT INCOME CERTAINTY STARTS TODAY Prudential Immediate Income Annuity Annuities are issued by The Prudential Insurance Company of America, Newark, NJ. This material must be preceded or accompanied

More information

MANAGED ACCOUNTS. Capital Directions. A guided approach to financial achievement

MANAGED ACCOUNTS. Capital Directions. A guided approach to financial achievement MANAGED ACCOUNTS Capital Directions A guided approach to financial achievement CAPITAL DIRECTIONS A UNIFIED MANAGED ACCOUNT THAT COMBINES FLEXIBILITY, SIMPLICITY, AND DISCIPLINE With a Capital Directions

More information

Prudential Financial Planners Financial Profile Questionnaire

Prudential Financial Planners Financial Profile Questionnaire Prudential Financial Planners Financial Profile Questionnaire Neither Prudential Financial, its affiliates, nor its financial professionals, render tax or legal advice. Please consult with an attorney,

More information

Your Financial Plan. John Smith PREPARED BY: PREPARED FOR: Mark and Lynda Rogers May 05, 2017

Your Financial Plan. John Smith PREPARED BY: PREPARED FOR: Mark and Lynda Rogers May 05, 2017 Your Financial Plan PREPARED FOR: Mark and Lynda Rogers May 05, 2017 PREPARED BY: John Smith Financial Planner Pruco Securities, LLC, doing business as Prudential Financial Planning Services Prudential,

More information

Grantor Annuity Trust A LEGACY OPPORTUNITY IN A LOW INTEREST RATE ENVIRONMENT

Grantor Annuity Trust A LEGACY OPPORTUNITY IN A LOW INTEREST RATE ENVIRONMENT Grantor Annuity Trust A LEGACY OPPORTUNITY IN A LOW INTEREST RATE ENVIRONMENT The Prudential Insurance Company of America 0266054-00005-00 Ed. 06/2016 Exp. 12/29/2017 ABOUT THIS BROCHURE This brochure

More information

Prudential ANNUITIES ANNUITIES UNDERSTANDING. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey.

Prudential ANNUITIES ANNUITIES UNDERSTANDING. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. Prudential ANNUITIES UNDERSTANDING ANNUITIES Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0160994-00008-00 Ed. 05/2017 Meeting the challenges of retirement

More information

Donna L. Fisher, CFP. Senior Vice President Financial Advisor

Donna L. Fisher, CFP. Senior Vice President Financial Advisor Donna L. Fisher, CFP Senior Vice President Financial Advisor 7272 Wisconsin Avenue 4th Floor, Bethesda, Maryland 20814 301-657-6325 / Main 800-455-6622 / Toll-Free 301-656-1510 / fax donna.l.fisher@mssb.com

More information

COUNT ON. INCOME YOU CAN. Prudential DEFINED INCOME VARIABLE ANNUITY

COUNT ON. INCOME YOU CAN. Prudential DEFINED INCOME VARIABLE ANNUITY Prudential DEFINED INCOME VARIABLE ANNUITY INCOME YOU CAN COUNT ON. All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not

More information

STRUCTURED SETTLEMENTS HELPING OVERCOME CHALLENGES FOR 30 YEARS

STRUCTURED SETTLEMENTS HELPING OVERCOME CHALLENGES FOR 30 YEARS STRUCTURED SETTLEMENTS HELPING OVERCOME CHALLENGES FOR 30 YEARS 0225165 PRUDENTIAL PROVIDES SOLUTIONS TO THE MOST COMPLEX STRUCTURED SETTLEMENT CHALLENGES. COMMITTED TO THE MARKETPLACE Being there when

More information

Retire with. Confidence. A helpful guide to retirement planning. Growing, Managing and Protecting Your Assets

Retire with. Confidence. A helpful guide to retirement planning. Growing, Managing and Protecting Your Assets Retire with Confidence A helpful guide to retirement planning Growing, Managing and Protecting Your Assets No matter what stage you are in planning, nearing or already retired there are things you can

More information

Innovative, flexible, low-cost retirement solution

Innovative, flexible, low-cost retirement solution TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity What s inside 1 Innovating to better meet your retirement needs 2 The reality of retirement

More information

W H A T E V E R Y C O N S U M E R S H O U L D K N O W A B O U T

W H A T E V E R Y C O N S U M E R S H O U L D K N O W A B O U T Important points to consider before buying a life insurance policy. W H A T E V E R Y C O N S U M E R S H O U L D K N O W A B O U T Life Insurance WHAT IS LIFE INSURANCE?.......................................................................................................................

More information

2016 Retirement preparedness survey findings

2016 Retirement preparedness survey findings 2016 Retirement preparedness survey findings RETIREMENT PERSPECTIVES Key Themes Saving for retirement is getting progressively harder for each generation. More than half of pre-retirees expect to have

More information

BALANCING ACT CONCEPT KIT CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS TERM AND PERMANENT LIFE INSURANCE NOT FOR CONSUMER USE.

BALANCING ACT CONCEPT KIT CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS TERM AND PERMANENT LIFE INSURANCE NOT FOR CONSUMER USE. CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS TERM AND PERMANENT LIFE INSURANCE BALANCING ACT CONCEPT KIT NOT FOR CONSUMER USE. 0242294-00003-00 Ed. 09/2014 Exp. 03/29/2016 [ML# ] DID YOU KNOW? A balanced

More information

2011 Prudential Research Study

2011 Prudential Research Study The African American Financial Experience Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities. The Prudential Insurance Company

More information

A S P I R E A C T A C H I E V E

A S P I R E A C T A C H I E V E THE ART OF FINANCIAL INDEPENDENCE A S P I R E A C T A C H I E V E MENU OF SERVICES At AspireWealth Planners, our mission is to assist our clients in living a life with confidence and financial dignity.

More information

unbiased objective financial guidance

unbiased objective financial guidance unbiased objective financial guidance 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

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to TIAA.org/ individualadvisoryservices

More information

The Prudential SmartSolution IRA. An easy way to save for retirement

The Prudential SmartSolution IRA. An easy way to save for retirement The Prudential SmartSolution IRA An easy way to save for retirement 1 Individual Retirement Accounts (IRAs) are retirement accounts that you can set up on your own, even if you participate in other employer

More information

The Delli Carpini Group at Morgan Stanley

The Delli Carpini Group at Morgan Stanley The Delli Carpini Group at Morgan Stanley Tactical Investment Strategy. Comprehensive Wealth Planning. 522 Fifth Avenue 10th Floor, New York, NY 10036 212-603-6204 / MAIN 212-507-8242 / FAX https://fa.morganstanley.com/frank.dellicarpini

More information

STABLE VALUE DISCUSSION IBEW-NECA Employee Benefit Conference

STABLE VALUE DISCUSSION IBEW-NECA Employee Benefit Conference STABLE VALUE DISCUSSION IBEW-NECA Employee Benefit Conference January 2014 James J. King Jr., CFA Managing Director, Strategic Relationships, Stable Value, Prudential Retirement For financial professional

More information

THE FUTURE IS FIDUCIARY

THE FUTURE IS FIDUCIARY THE FUTURE IS FIDUCIARY INSIDE: Why acting as a fiduciary and taking a lifecycle approach to wealth management can help build trust and deepen relationships POSITION YOUR PRACTICE TO UPHOLD CLIENTS BEST

More information

YOU DESERVE BOTH. PROTECTION AND GROWTH OPPORTUNITY. PruSecure Select SM FIXED INDEXED ANNUITY. Prudential Annuities

YOU DESERVE BOTH. PROTECTION AND GROWTH OPPORTUNITY. PruSecure Select SM FIXED INDEXED ANNUITY. Prudential Annuities Prudential Annuities PruSecure Select SM FIXED INDEXED ANNUITY PROTECTION AND GROWTH OPPORTUNITY. YOU DESERVE BOTH. Issued by Prudential Annuities Life Assurance Corporation. This material must be preceded

More information

Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL

Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL FOR USE IN CALIFORNIA ONLY. This brochure must be accompanied or preceded by a product

More information

Beneficiary Review Toolkit

Beneficiary Review Toolkit CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROTECTING THE DREAMS OF YOUR CLIENTS BENEFICIARIES Beneficiary Review Toolkit NOT FOR USE WITH CONSUMERS. 0214525-00004-00 Ed. 10/2014 Exp. 04/08/2016 BENEFICIARY

More information

SERVICES DISCLOSURE BROCHURE FOR FINANCIAL PLANNING. March 2017

SERVICES DISCLOSURE BROCHURE FOR FINANCIAL PLANNING. March 2017 March 2017 DISCLOSURE BROCHURE FOR FINANCIAL PLANNING SERVICES This Brochure provides information about the qualifications and business practices of Pruco Securities, LLC, ( Pruco Securities ) doing business

More information

PruLife Survivorship Index UL

PruLife Survivorship Index UL PRULIFE SURVIVORSHIP INDEX UL PruLife Survivorship Index UL HE LP ING YOU BUILD A GREATER LE GACY. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey 0284775-1 ABOUT THIS

More information

How We Work Together Client Service Options

How We Work Together Client Service Options Charting Your Course CETERA INVESTMENT SERVICES LLC MEMBER FINRA/SIPC Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance

More information

Let s Plan Your Future Together

Let s Plan Your Future Together Let s Plan Your Future Together Comprehensive Financial Planning insight2wealth.com (800) 878-1665 Life Happens We Listen ABOUT INSIGHT WEALTH STRATEGIES Insight Wealth Strategies is a comprehensive financial

More information

POLICY CONCEPT KIT. nsuring Your Clients Life Insurance Still Protects Their Needs. created exclusively for financial professionals

POLICY CONCEPT KIT. nsuring Your Clients Life Insurance Still Protects Their Needs. created exclusively for financial professionals created exclusively for financial professionals POLICY review CONCEPT KIT nsuring Your Clients Life Insurance E Still Protects Their Needs NOT FOR CONSUMER USE. 0242293-00001-00 Ed. 04/2013 Exp. 10/10/2014

More information

GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0

GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0 GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0 Profile: Joe and Mary Smith Age: 62 Both plan to retire in 5 years Retirement Income Sources: 401(k)s Personal savings Social

More information

INSIDE THIS ISSUE. When Is It a Good Time to Sell Investments (p. 1)

INSIDE THIS ISSUE. When Is It a Good Time to Sell Investments (p. 1) INSIDE THIS ISSUE When Is It a Good Time to Sell Investments (p. 1) Required Minimum Distribution A Primer (p. 4) Equalize Inheritances with Life Insurance (p. 6) Municipals Under the Microscope (p. 7)

More information

Your Envision profile. Client name:

Your Envision profile. Client name: Your Envision profile Client name: We ll help you live the life you ve imagined... Personal information Name: Spouse/Partner s name: Mailing address: State of primary residence: Date of birth (mm/dd/yyyy):

More information

South Orange County Community College District Full Time Employees

South Orange County Community College District Full Time Employees Enroll when first eligible to get guaranteed coverage! South Orange County Community College District Full Time Employees Optional Term Life Insurance Optional Dependent Term Life Insurance The Prudential

More information

PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment:

PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY. With Premier Investment: PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY With Premier Investment: Clients can benefit from tax advantages, including tax deferral and tax-free transfers An innovative pro-growth fee structure can

More information

Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN OVERVIEW IFS-A IFS-A077912

Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN OVERVIEW IFS-A IFS-A077912 Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN QUICK OVERVIEW QUOTES OVERVIEW IFS-A077912 IFS-A077912 YOU RE EVERYTHING TO THEM Taking care of your family is what

More information

Your retirement journey

Your retirement journey Your retirement journey Shifting gears from saving for it to living in it! Retirement is exciting, unchartered territory for pre-retirees. Be ready with a retirement income plan for life. Knowing what

More information

YOU DESERVE BOTH. PROTECTION AND GROWTH OPPORTUNITY. PruSecure Advisor SM FIXED INDEXED ANNUITY. Prudential Annuities

YOU DESERVE BOTH. PROTECTION AND GROWTH OPPORTUNITY. PruSecure Advisor SM FIXED INDEXED ANNUITY. Prudential Annuities Prudential Annuities PruSecure Advisor SM FIXED INDEXED ANNUITY PROTECTION AND GROWTH OPPORTUNITY. YOU DESERVE BOTH. Issued by Prudential Annuities Life Assurance Corporation. This material must be preceded

More information

Preserve what you spent a lifetime creating

Preserve what you spent a lifetime creating An Overview Guide for Consumers Preserve what you spent a lifetime creating A look at Survivorship Whole Life insurance insure Insurance invest Strategies retire 3 Life insurance that works as hard as

More information

Investor profile SAVINGS AND GUARANTEED INVESTMENT FUNDS NOVEMBER 2013

Investor profile SAVINGS AND GUARANTEED INVESTMENT FUNDS NOVEMBER 2013 SAVINGS AND GUARANTEED INVESTMENT FUNDS NOVEMBER 2013 Investor profile Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. What is your investor profile? To achieve your

More information

Alysia R. Perkinson. Financial Planning Specialist Second Vice President Financial Advisor

Alysia R. Perkinson. Financial Planning Specialist Second Vice President Financial Advisor Alysia R. Perkinson Financial Planning Specialist Second Vice President Financial Advisor 69 Swift Street South Burlington, Vermont 05403 802-652-6039 / Main 800-446-0193 / Toll-Free fa.smithbarney.com/

More information

Family Succession Planning Using Life Insurance

Family Succession Planning Using Life Insurance WHEN YOUR LEGACY IS TIED TO THE LAND Family Succession Planning Using Life Insurance Pruco Life Insurance Company Pruco Life Insurance Company of New Jersey 0246384 Ed. 06/2016 0246384-00005-00 Exp. 12/12/2017

More information

Better Together. Retirement Visions for Today and Tomorrow

Better Together. Retirement Visions for Today and Tomorrow Better Together Retirement Visions for Today and Tomorrow Go confidently in the direction of your dreams. Live the life you have imagined. - Henry David Thoreau Your Retirement Destination Our Top Priority

More information

Life Insurance with Benefi taccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL

Life Insurance with Benefi taccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL Life Insurance with Benefi taccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL This brochure must be accompanied or preceded by a product brochure. Issued by

More information

Earning Your Trust. Sharing Your Vision. What Matters to You Matters to Us

Earning Your Trust. Sharing Your Vision. What Matters to You Matters to Us Earning Your Trust. Working Towards Your Success. Sharing Your Vision. What Matters to You Matters to Us Relationships are an integral part of the social and business fabrics that form our lives. The depth

More information

Ted Kawahara, CFP. Senior Vice President Portfolio Management Director Financial Advisor

Ted Kawahara, CFP. Senior Vice President Portfolio Management Director Financial Advisor Ted Kawahara, CFP Senior Vice President Portfolio Management Director Financial Advisor Planning is bringing the future into the present so that you can do something about it now. Alan Lakein Building

More information

The rewards of artful investing

The rewards of artful investing The rewards of artful investing CUSTOM WEALTH ADVANTAGE MANAGED ACCOUNTS Investing is a collaborative art Artful investing begins with a personalized plan toward achieving and sustaining long-term growth;

More information

PRUDENTIAL FINANCIAL, INC. FEBRUARY 2018

PRUDENTIAL FINANCIAL, INC. FEBRUARY 2018 PRUDENTIAL FINANCIAL, INC. FEBRUARY 2018 FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES Certain of the statements included in this presentation constitute forward-looking statements within the meaning

More information

Preparing Your Savings for Retirement Miguel Salazar

Preparing Your Savings for Retirement Miguel Salazar Preparing Your Savings for Retirement Miguel Salazar The Retirement Income Series Part 1: Preparing Your Savings for Retirement Identify sources of income, including Social Security Assess the impact of

More information

PGIM INVESTMENTS. And the investment managers that make a difference. PGIM Fixed Income QMA

PGIM INVESTMENTS. And the investment managers that make a difference. PGIM Fixed Income QMA PGIM INVESTMENTS Bringing you the investment managers of Prudential Financial, Inc. PGIM INVESTMENTS And the investment managers that make a difference PGIM Fixed Income Jennison Associates QMA PGIM REAL

More information

Replacing your salary in retirement

Replacing your salary in retirement Replacing your salary in retirement We can help Wondering how you ll replace your salary when you retire? Will you have enough income to last your lifetime? Fortunately, you still have time and options

More information

Ted Kawahara, CFP. Senior Investment Management Consultant Senior Vice President Financial Advisor

Ted Kawahara, CFP. Senior Investment Management Consultant Senior Vice President Financial Advisor Ted Kawahara, CFP Senior Investment Management Consultant Senior Vice President Financial Advisor Planning is bringing the future into the present so that you can do something about it now. Alan Lakein

More information

SUBJECT TO COMPLETION PRELIMINARY PROSPECTUS DATED APRIL 27, 2015

SUBJECT TO COMPLETION PRELIMINARY PROSPECTUS DATED APRIL 27, 2015 ˆ200GVdJVHz#5ecxc/Š 200GVdJVHz#5ecxc/ RRWIN-XENP144 11.5.22 MARrobej0dc 22-Jan-2015 16:54 EST 807224 COV 1 11* The information in this Prospectus is not complete and may be changed. We may not sell these

More information

VUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company.

VUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company. VUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company. ICC14 VULNLG-2014; VULNLG-2014 NOT FOR USE IN CA. 0263083 [ML# ] 0263083-00001-00 Ed. 04/2014 Exp. 10/24/2015 ABOUT

More information

SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY

SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY BE YOURSELF; EVERYONE ELSE IS ALREADY TAKEN. - OSCAR WILDE Your life, your needs, your dreams and ambitions:

More information

Strategies for staying on track. Prepare yourself for the journey ahead

Strategies for staying on track. Prepare yourself for the journey ahead Strategies for staying on track Prepare yourself for the journey ahead TIAA and you: Working together to pursue a financially secure future At TIAA, our mission is simple: We re here to help our customers

More information

The Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement

The Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement The Main Line Group at Morgan Stanley Helping Clients To and Through Retirement Two Town Place Suite 100, Bryn Mawr, PA 19010 855-598-6732 / toll-free 610-542-2944 / main 267-744-4100 / fax www.morganstanleyfa.com/themainlinegroup

More information

Peter Cosentino. CUSO Financial Services, L.P. NASA Federal Investment Center

Peter Cosentino. CUSO Financial Services, L.P. NASA Federal Investment Center Peter Cosentino CUSO Financial Services, L.P. NASA Federal Investment Center NOT FDIC INSURED. MAY LOSE VALUE. NO BANK GUARANTEE. NOT INSURED BY ANY GOVERNMENT AGENCY. Disclaimer *Non-deposit investment

More information

INVESTMENT POLICY GUIDANCE REPORT. Living in Retirement. A Successful Foundation

INVESTMENT POLICY GUIDANCE REPORT. Living in Retirement. A Successful Foundation INVESTMENT POLICY GUIDANCE REPORT Living in Retirement A Successful Foundation Developing Your The process for creating a strategy Plan for the Expected Your Retirement Journey It all starts with you.

More information

The Grasmeder Team at Morgan Stanley

The Grasmeder Team at Morgan Stanley The Grasmeder Team at Morgan Stanley 20 MAPLE ST GLENS FALLS, NY 12801 518-793-4181 / MAIN 800-526-1866 / TOLL-FREE 518-793-7046 / FAX www.morganstanleyfa.com/grasmeder Kathleen.R.Grasmeder@morganstanley.com

More information

A wealth management firm centered on our clients individual needs.

A wealth management firm centered on our clients individual needs. A wealth management firm centered on our clients individual needs. Why Eagle Strategies and why an Eagle Strategies Advisor? Our tools may be similar, but our attitude is different. Eagle Strategies was

More information

WHAT MATTERS MOST. A woman s guide to an inspired retirement strategy

WHAT MATTERS MOST. A woman s guide to an inspired retirement strategy WHAT MATTERS MOST A woman s guide to an inspired retirement strategy Issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey). 0250519-00002-00 Ed. 01/2014

More information

Your story is unique. Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you

Your story is unique. Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you Your story is unique Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you Investment and Insurance Products: NOT FDIC Insured u NO Bank Guarantee u MAY Lose

More information

Strategies for staying on track to your retirement

Strategies for staying on track to your retirement Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

Our strength, your security RiverSource Life Insurance Co. of New York

Our strength, your security RiverSource Life Insurance Co. of New York June 2018 Our strength, your security RiverSource Life Insurance Co. of New York The company you choose matters. When you choose RiverSource Life Insurance Co. of New York, you want to be confident we

More information

VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING

VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING VALIC Financial Advisors, Inc. An array of financial planning and investment services SAVING : INVESTING : PLANNING Your financial advisor will work with you to help make sure your financial plan fits

More information

42 % 33 % Many small business owners understand the actions needed to plan for transition (based on transition-focused owners, ratings of importance)

42 % 33 % Many small business owners understand the actions needed to plan for transition (based on transition-focused owners, ratings of importance) Building a Template for Transition Four best practices to tackle transition, retirement and succession Small business owners often combine vision and hard work to build companies that support them in their

More information

MAKE EVERY DAY COUNT. HIGHEST DAILY Lifetime Income benefit FOR YOUR RETIREMENT. Prudential Premier Retirement

MAKE EVERY DAY COUNT. HIGHEST DAILY Lifetime Income benefit FOR YOUR RETIREMENT. Prudential Premier Retirement Prudential Premier Retirement HIGHEST DAILY Lifetime Income benefit MAKE EVERY DAY COUNT FOR YOUR RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. This

More information

Total Wealth Management

Total Wealth Management Total Wealth Management Independent, objective advice for building lifelong wealth. Complete integration of all aspects of your financial life, giving you peace of mind to pursue your dreams. Simplify

More information

Plan for Your Future. Morgan Stanley Can Help You Achieve Your Financial Goals

Plan for Your Future. Morgan Stanley Can Help You Achieve Your Financial Goals Plan for Your Future Morgan Stanley Can Help You Achieve Your Financial Goals 2 MORGAN STANLEY 2016 What Are Your Hopes and Dreams? REGARDLESS OF WHAT STAGE YOUR LIFE IS IN moving ahead in your career,

More information

Compass Plus QUESTIONNAIRE. Congratulations on taking the. Custom with Goal Development. first steps toward building your financial future!

Compass Plus QUESTIONNAIRE. Congratulations on taking the. Custom with Goal Development. first steps toward building your financial future! Custom with Goal Development Compass Plus QUESTIONNAIRE Congratulations on taking the first steps toward building your financial future! This questionnaire will help gather key information necessary to

More information

What Matters to You Matters to Us

What Matters to You Matters to Us EARNING YOUR TRUST. WORKING TOWARDS YOUR SUCCESS. SHARING YOUR VISION. What Matters to You Matters to Us Relationships are an integral part of the social and business fabrics that form our lives. The depth

More information

Comprehensive plan services with an eye toward tomorrow

Comprehensive plan services with an eye toward tomorrow Comprehensive plan services with an eye toward tomorrow Schwab Retirement Plan Services, Inc. Always put the client first. No matter what. Charles Schwab Our culture of service At Schwab Retirement Plan

More information

Planning for an Acquisition

Planning for an Acquisition Planning for an Acquisition 1 Before Exit Step 1 Establish a Basic Estate Plan Step 2 Outline Your Financial Goals and State of Affairs Step 3 Pre-transition Planning 2 After Exit Step 4 Minimize Tax Impact

More information

Prudential LINK Advisors Form ADV Part 2B Brochure Supplements

Prudential LINK Advisors Form ADV Part 2B Brochure Supplements LINK by Prudential 13001 Bass Lake Road Plymouth, MN 55442 1 844 PRU LINK (844 778 5465) Prudential LINK Advisors Form ADV Part 2B Brochure Supplements Prudential Customer Solutions LLC 13001 Bass Lake

More information

Plan for Your Future. Make it Happen.

Plan for Your Future. Make it Happen. Plan for Your Future. Make it Happen. Brian Neunzig, CIMA, CFP Vice President Financial Advisor brian.neunzig@ms.com 707-571-5744 Champhang Wolfard Senior Client Service Associate champhang.wolfard@ms.com

More information

NATIONAL ELECTRICAL 401(k) PLAN. Perhaps your most important connection. Enrollment Guide

NATIONAL ELECTRICAL 401(k) PLAN. Perhaps your most important connection. Enrollment Guide NATIONAL ELECTRICAL 401(k) PLAN Perhaps your most important connection. Enrollment Guide 0207367 Dear National Electrical 401(k) Plan Eligible Member, Saving for retirement is one of the most important

More information

PFP Advisors. Financial Planning For Everyone. 123 neat st. Anywhere, USA 12345

PFP Advisors. Financial Planning For Everyone. 123 neat st. Anywhere, USA 12345 PFP Advisors Financial Planning For Everyone. PFP Advisors 123 neat st. Anywhere, USA 12345 1 Table of Contents PFP Advisors 2 Planning Process: 2 Fees: 3 Client Information and Summary 4 Current Financial

More information

Genworth Financial. Keeping Our Promises /28/11

Genworth Financial. Keeping Our Promises /28/11 A Genworth Financial Keeping Our Promises 2nd Quarter 2011 48563 07/28/11 1871 1955 1974 Life of Virginia Fixed Life Insurance Long Term Care Insurance Our first insurance policy is sold by Life of Virginia

More information

PerspectiveSM. Family of Variable Annuities. Perspective family of variable annuities

PerspectiveSM. Family of Variable Annuities. Perspective family of variable annuities Perspective family of variable annuities PerspectiveSM Family of Variable Annuities Jackson is the marketing name for Jackson National Life Insurance Company and Jackson National Life Insurance Company

More information

Bill Valenti Vice President Financial Advisor

Bill Valenti Vice President Financial Advisor Bill Valenti Vice President Financial Advisor 7811 University Point Drive Fort Myers, FL 33907 239-432-1325 / MAIN 800-326-8389 / TOLL-FREE 239-432-1339 / FAX bill.valenti@mssb.com Bill Valenti Vice President

More information

Selecting a Structured Settlement Provider

Selecting a Structured Settlement Provider STRUCTURED SETTLEMENTS Selecting a Structured Settlement Provider SSC0263-058 Why Pacific Life Since 868, individuals and businesses have relied on the strength of Pacific Life to protect their financial

More information

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview

Diocese of Lafayette. Believe. in your future. The Diocese of Lafayette 403(b) Plan Enrollment Overview Diocese of Lafayette Believe in your future The Diocese of Lafayette 403(b) Plan Enrollment Overview Believe in your future Reaching your retirement goals can take a lot of preparation. Some investment

More information

Demystifying Annuities

Demystifying Annuities Demystifying Annuities Agenda Lessons from Mt. Everest Retirement Planning Considerations How do you know what s right for you All About Annuities Tools and Resources Questions The Perils of Descent What

More information

Get an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account

Get an advantage for your retirement. Voya Select Advantage IRA Mutual Fund Custodial Account Get an advantage for your retirement Voya Select Advantage IRA Mutual Fund Custodial Account Life brings change You have your own unique vision for what your life will hold. Whether you re switching jobs

More information

The rates below apply for applications signed between November 15, 2017 and December 14, Income Growth Rate: 5.00% Income Percentages

The rates below apply for applications signed between November 15, 2017 and December 14, Income Growth Rate: 5.00% Income Percentages PRUDENTIAL DEFINED INCOME ( PDI ) VARIABLE ANNUITY PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY PRUCO LIFE of NEW JERSEY

More information

YOU RE. WORTH MORE with. Your Guide to Financial Success

YOU RE. WORTH MORE with. Your Guide to Financial Success YOU RE WORTH MORE with Your Guide to Financial Success FOR EVERY DAY. FOR EVERY THING. Questions? Visit www.americu.org, stop by your local AmeriCU Financial Center, or call our Member Service Center at

More information

Meeting the. How should I invest my money?

Meeting the. How should I invest my money? Meeting the How should I invest my money? CHALLENGE Keeping Your Retirement on the Mark Takes Serious Effort As you consider all of the options in the Prudential Employee Savings Plan (PESP), the one question

More information

MANAGING YOUR COSTS IN RETIREMENT

MANAGING YOUR COSTS IN RETIREMENT MANAGING YOUR COSTS IN RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0267259-00004-00 Ed. 04/2017 have you accounted for healthcare in your retirement

More information

Your Relationship with an Eagle Strategies Financial Advisor

Your Relationship with an Eagle Strategies Financial Advisor Your Relationship with an Eagle Strategies Financial Advisor PROTECTION. RETIREMENT. INVESTMENT. ESTATE. Trusted Guidance. Comprehensive Solutions. The value of professional advice. It is a common practice

More information