balancing return, risk and capital preservation An Introduction to Equilibrium Wealth Management, LLC

Transcription

1 balancing return, risk and capital preservation An Introduction to Equilibrium Wealth Management, LLC 1

2 Risk disclosure The information presented is not intended to and shall not in any way constitute an invitation to invest in any particular product or security. It is solely for information purposes. The information in this document does not constitute accounting, tax, regulatory or legal advice. Individuals with questions in those areas should seek the advice of a qualified attorney, accountant, and/or tax expert. Past results are no guarantee of future performance. No representation is made that any returns indicated herein will actually be achieved. Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through HighPoint Advisor Group, a registered investment advisor. Equilibrium Wealth Management, LLC and HighPoint Advisor Group are separate entities from LPL Financial. 2

3 Agenda Equilibrium Wealth Management, LLC Our Experience, our Beliefs and our Client Focus The Strength Behind our Team A strategic Alliance with LPL Financial Investment Advisory Services offered through HighPoint Advisor Group Our Investment Approach Our Philosophy A Look at our Investment Objectives The Importance of Asset Allocation Return, Risk and Capital Preservation Summary 3

4 Equilibrium Wealth Management, LLC Equilibrium Wealth Management, LLC Alan F. Delcorse - President Over 30 years of industry experience 20 years of in-depth experience in non-traditional investing Has consulted for a variety of institutional and HNW clients Member of HighPoint Advisor Group s Investment Committee Investments based upon our strong belief that there needs to be a balance between return, risk and capital preservation Dedicated to wealth management strategies for retirement planning, asset protection strategies and risk-based investment portfolios Serving retirees, near-retirees, privately-held companies, professional practices and corporate executives 4

5 Our Team at Equilibrium Wealth Management, LLC. Alan F. Delcorse President Alan has over 30 years of investment industry experience and in various roles with leading investment firms has managed investments or consulted for a variety of institutional clients and high net-worth individuals. He has trained hundreds of other financial advisors in the use of non-traditional and alternative investments to create more intelligent portfolios. Alan s expertise in alternative investments was shaped over the past 20 years and came from his roles at world-class firms like Calamos Investments and Man Investments-London. His investment philosophy is reflected in his firm belief that there needs to be a balance between return, risk and capital preservation and that it is imperative that each client s portfolios match that client s tolerance for risk. Alan is a member of the Investment Management Consultants Association and is a graduate of Northern Illinois University. Alan lives with his wife Debra in the Stonebridge community and they have three grown children. He enjoys his golf and has a strong passion for the quality of family life. Dina R. Weiss - Director of Compliance and Operations Dina began her career in the financial services industry in She provides Equilibrium Wealth Management, LLC. with compliance oversight and monitoring. She embraces a disciplined approach to, and knowledge of, the rules and regulations of our industry and provides Equilibrium with exceptional support that allows other team-members to focus more time on investments and planning. Dina is a certified holistic nutrition consultant who routinely lectures on healthy living and is a graduate of Northern Illinois University. Dina resides in DeKalb with her two daughters and is an avid lover of the outdoors. Dory A. Rodriguez - CERTIFIED FINANCIAL PLANNER Dory provides individuals, families and business owners with customized financial planning, investment management, and insurance strategies aligned specifically with their unique set of circumstances and goals. After earning a BA degree in Russian Language and Literature from Colorado College, and spending six years living and working in Moscow, Russia, Dory returned to the states and began establishing a foothold in the financial community in She spent twelve years as a financial planner with GCG Financial and is now registered with LPL Financial as a fee-forservice Investment Advisor Representative. Dory and her husband enjoy dancing and fine dining, as well as spending as much time as possible with their young children. Peter J. Lesnik - Private Wealth Advisor Peter began his career in the financial industry in 2004 at Northwestern Mutual Financial Network with a firm commitment to the understanding that the basic principles of financial planning begins in areas that protect and build a foundation for success. From there, he then spent seven years with JPMorgan Wealth Management working directly with clients on the relationships between budgeting and setting goals towards financial independence. Peter has helped support that need by volunteering time to Financial Peace University, a program at his local church in St. Charles. He holds FINRA Series 6, 7, 63, and 65 Registrations through LPL Financial, and in keeping his dedication towards ongoing education, he is working towards his CFP certification as well. Alena I. Gifford - Registered Client Service Associate Alena began her career in the financial services industry in 2012 during the completion of her degree at the University of Illinois at Chicago (UIC). Alena received a Bachelor of Science in Finance from the College of Business Administration. Alena spent 2 years working at The Chicago Board of Trade building as an intern at Uhlmann Price Securities, LLC. and as a parttime sales assistant. Alena is now Head of Client Services at Equilibrium Wealth Management, LLC. and holds FINRA Series 6 and 63 Registrations through LPL Financial. During her free time, she enjoys playing tennis, reading, traveling and social media. 5

6 The strength behind our team -our strategic partners LPL Financial - Custodian and Provider of Independent Advisor Support As of June 30th, 2015 Source: corporate snapshot on LPL.com Advisory and Brokerage Assets of $485.7 Billion Servicing 4.6 Million Funded accounts Servicing 14,130 Financial Advisors Support provided by 3,385 employees HighPoint Advisor Group - a Registered Investment Advisor Provides investment advisory services to EWM Over 50 advisors in more than 16 locations Nearly $2.0 Billion of assets under advisement 6

7 Our Investment Philosophy Our Investment Philosophy has Developed over the Past 30 years of Experience: An Institutional Approach to Asset Allocation A deep understanding of the benefits and risks of non-correlating investments Financial Strategies Based on our Client s Individual tolerance for risk There has to be a match in investment philosophies between our firm and each individual client An Unconstrained use of the Full Menu of Investment Choices Utilizing the full bag of clubs, Alan Delcorse 7

8 Investment Objectives- While results cannot be guaranteed, our approach seeks to: Provide value-added portfolio characteristics and return advantages to comparable traditional portfolios Utilize investments that have historically provided capital preservation potential Employ non-correlating investments which historically have increased a portfolio s return while decreasing volatility Introducing non-correlating investments into a traditional portfolio of stocks, bonds and cash can reduce volatility and increase returns Benefits of Commodity Investment

9 Our investment approach to asset allocation Asset allocation makes up 91.5% of an investor s variance of portfolio returns -Financial Analysts Journal May/June 1991 Objective: Utilize core investments as the foundation and add in the unique benefits of defensive growth and nontraditional investments Investing involves risk including the potential loss of principal. No strategy can assure success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against a loss. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. 9

10 Why a Focus on Capital Preservationa discussion about the loss of principal What does it take to get back in the black? If your investment declines To get back to break-even, you ll need a gain of -10% 11.1% -20% 25.0% -30% 42.9% -40% 66.7% -50% 100.0% 10

11 Return The results of our investment process- Create portfolios with each client s risk tolerance and financial objectives in mind Aggressive Growth Risk Questionnaire Progressive Return Objectives Risk Tolerance Conservative Capital Preservation Lifestyle Risk 11

12 EWM Strategies: Solutions to meet your investment objectives and tolerance for risk 12

13 Summary Our value proposition Our years of experience and the strength behind our team Dedicated client-focused approach- Stewardship A balance between return, risk and capital preservation Strategies that match your personal tolerance for risk Our services Comprehensive investment management strategies CPA and Attorney referral program Insurance and annuity solutions for capital preservation Tax minimization programs for business owners, private practices, etc. 13

14 Equilibrium Wealth Management, LLC - a balance between return, risk and capital preservation We offer a free consultation to: Review your risk profile questionnaire A comprehensive review of your current investment portfolios Determine whether your current retirement plan will meet your lifestyle objectives Also a free review of your current 401(k) selections: Does your asset allocation match your tolerance for risk? Do your investment choices match your time horizon until retirement? Alan Delcorse, President adelcorse@ewmwealth.com Office-direct: Toll Free: x 217 Mobile: Butterfield Road, Suite 1000 Downers Grove, IL FAX:

15 balancing return, risk and capital preservation Equilibrium Wealth Management, LLC 15