THE PERSHING ADVANTAGE
|
|
- Baldwin Wheeler
- 6 years ago
- Views:
Transcription
1 THE PERSHING ADVANTAGE Page 1 of 12
2 Page 2 of 12
3 THRIVE IN A CHANGING INDUSTRY Deliver investment solutions while reducing operating costs. You are looking for new ways to thrive in an evolving industry to distinguish your brand and position your business to meet shifting client priorities. While you grow your business, let Pershing LLC (Pershing) help by delivering the platforms, investment solutions, and consulting support you need to succeed. We bring an expansive array of innovative and customizable solutions to help you manage your evolving business needs. You can turn to Pershing for virtually everything you need to seize today s most compelling opportunities. Our array of investment solutions and platforms encompasses alternatives, annuities, cash management, funds, lending solutions, managed accounts, retirement solutions, trading, and more, while our flexible approach makes it easier to align with your sales structure and business strategy. Working with us, you have a variety of customization choices that can set your firm apart and cement client relationships. Whether you are looking to provide specific investment solutions, reach certain target markets, or find more profitable distribution strategies, Pershing can deliver compelling and innovative solutions. How you benefit Because your financial organization utilizes the services offered by Pershing, you can count on: Significant resources. Pershing and its affiliates employ thousands of dedicated associates located in 23 locations worldwide. Quality service. With Pershing s sophisticated technology in place, your financial organization can minimize the time spent on administration and processing, and focus on your individual investment goals. Financial solutions and services. Pershing s full array of innovative financial solutions and services gives your financial organization the tools it needs in an effort to help you meet your specific investment objectives. Data integrity and privacy. Pershing maintains comprehensive security methods and well-developed contingency plans to safeguard your account information. Page 3 of 12 1
4 FLEXIBLE TECHNOLOGY Today s fiercely competitive environment requires powerful, flexible technology to optimize your productivity and performance. Pershing s open architecture platform gives you the freedom to follow your own plan for growth. Empower your business with Pershing s NetX360 NetX360 is the cornerstone of Pershing s flexible technology offering, and is one of the reasons Questar Capital has chosen to partner with Pershing. NetX360 provides one complete solution to manage your commission and fee-based business, including advisory and managed accounts. Pershing continues to invest significantly in innovation and development to meet your current and future needs. NetX360 is designed to help you more efficiently manage your business, be highly responsive to your clients, and effectively develop new sales and revenue opportunities. It integrates client information with market data, news, research, and tools from many of the most respected content providers in the industry into a customizable platform to help you maximize productivity. From sales, to back-office processing, to trading, to helping you manage compliance, NetX360 will simplify your daily tasks, enabling you to save time, reduce errors, and accomplish more. Integration Access research, financial planning tools, financial and headline news, market data, and trading information all from a single source. User experience Effectively perform the tasks needed to manage and build your business. Online account opening Questar Capital and Pershing offer online, real-time account opening. This exciting offering allows you to open an account in your office and prefill a variety of documents, and it instantly provides you with an account number. Online asset movement Request client checks, electronic transfers of funds, and move assets between accounts from your computer with NetX360. Personalization Tailor screens, navigation, and data display to suit your personal work style. Increased productivity Learn about events and regulations that affect clients accounts, and use a variety of online tools to speed up operational tasks. Intuitive navigation Find the information you need quickly and easily, with fewer clicks. Anytime, anywhere access NetX360 can be accessed through a variety of mobile devices, including iphone, ipad, BlackBerry, Android, and Windows Mobile. To learn more about NetX360, visit 2 Page 4 of 12
5 AN EXPANSIVE ARRAY OF GLOBAL INVESTMENT SOLUTIONS Leverage Pershing s comprehensive selection of investment solutions to build a distinctive product lineup. Fund solutions Your centralized resource for mutual funds, trading, and support With more than $13 trillion invested, mutual funds remain a key product for advisors. 1 Pershing s platform can set your firm apart by providing access to nearly 20,000 mutual fund choices, including close to 5,000 no-transaction-fee (NTF) funds. FundCenter includes domestic and offshore load, lowload and no-load funds, as well as FundVest, our NTF mutual fund platform. FundVest 200 TM is a research-driven list of NTF mutual funds available through Pershing s FundVest platform. The list, selected by Lockwood Advisors, Inc. (Lockwood) 2 and provided at no additional charge, may be a useful tool to help guide you in constructing investor portfolios. FundVest 200, which is updated quarterly, may help enhance your business by providing you guidance from an affiliate that specializes in institutional investment due diligence, which is designed to assist you in strengthening your investor relationships. Lockwood partners with the BNY Mellon Manager Research Group to conduct initial due diligence and ongoing monitoring of each mutual fund. Pershing also provides an ETF Center, which incorporates analytic tools and searchable, detailed information on more than 1,400 exchange-traded funds (ETFs) and exchange-traded notes (ETNs). Through the ETF Center, you can compare ETFs to individual stocks or mutual funds, screen ETFs using a variety of criteria, and find ETFs based on market performance Investment Company Institute Fact Book. 2 Lockwood Advisors, Inc. (Lockwood) is an investment adviser registered in the United States under the Investment Advisers Act of Lockwood is an affiliate of Pershing LLC (Pershing), each wholly owned subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). The FundVest 200 list is intended for use by your firm and does not constitute investment advice from Lockwood to individual investors. No FundVest mutual funds managed by BNY Mellon affiliated investment managers were considered for inclusion in FundVest 200. Please refer to the FundVest 200 list of funds, available in FundCenter via NetX360, for more information and important disclosures regarding this program. Page 5 of 12 3
6 Managed investment platform solutions With a variety of choices, there is one to suit your business needs In today s marketplace, we believe the ability to provide fee-based managed investments is shifting from a competitive advantage to a competitive necessity. At Pershing, the competitive pressure to provide managed investments has never been higher or more critical. Pershing 1 and our affiliate, Lockwood Advisors, Inc. (Lockwood), 2 represent one of the largest and most comprehensive end-to-end solutions providers. 3 We work with you to build customized, integrated managed investment platform solutions designed to reflect your needs, brand and culture. Pershing s platform technology supports separately managed accounts, flexible/fixed mutual fund (MF)/exchange-traded fund (ETF) wrap accounts, fixed/flexible unified managed accounts and advisor directed accounts, as well as middle- and back-office operational services Investment management, research, and overlay services provided by Lockwood gives access to discretionary services including separately managed accounts, flexible/fixed mutual fund (MF)/exchange-traded fund (ETF) wrap accounts, fixed/flexible unified managed accounts. Lockwood also provides distribution and business development support. Retirement solutions Our knowledge and committed support can help you grow your retirement business Pershing provides you with a suite of retirement solutions, services, and tools to help you meet the diverse needs of your clients. You have access to a broad range of products for both employers and individuals as well as marketing and educational resources to support the growth of your business. Individual retirement accounts (IRAs). IRAs are a key building block for your clients future retirement success. Pershing s breadth of IRA products includes traditional, Roth, and rollover IRAs as well as a mutual fund only IRA option that provides special pricing for your clients who exclusively invest in mutual funds. Pershing s open architecture platform provides your clients access to thousands of mutual funds, managed accounts and other investment choices, allowing for broad diversification across multiple asset classes. Our suite of retirement calculators in NetX360 can aid with many aspects of retirement and distribution planning, including more complex issues such as Roth conversion decisions and 72(t) early withdrawal calculations. Employer-sponsored plans. Providing retirement plans can enable business owners to earn significant tax deductions as well as provide a valuable benefit that can help attract and retain employees. Pershing provides a suite of employersponsored retirement plans for business owner clients, including qualified plans such as 401(k)s and individual 401(k)s, as well as a Roth feature, profit-sharing, and money purchase pension plans. Other plan types such as SEP IRAs, SIMPLE IRAs, and 403(b)(7)s are also available. 1 Pershing is not a registered investment adviser and does not offer investment advisory products, programs or services. 2 Lockwood Advisors, Inc. is an investment adviser registered in the United States under the Investment Advisers Act of 1940 and is an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation. Pershing LLC, member FINRA, NYSE, SIPC. 3 The Cerulli Edge, Managed Accounts Edition, 1Q 2012 Issue. Lockwood/Pershing is listed as the largest Non-Advisory Third-Party. 4 Page 6 of 12
7 Trading solutions One-stop access with outstanding service Pershing has global trading expertise that encompasses a wide range of solutions: Product breadth. By leveraging Pershing s trading capabilities, you gain global access to a full spectrum of products, including equities, options, fixed income, and collateral funding. Sales support. Pershing Trading Services is powered by personal relationships, attentive service, and proactive sales support. You can immediately tap into our market and product expertise delivered through a staff of global specialists in every asset class. Technology. Pershing is committed to interoperable open architectures that integrate seamlessly with the industry s best execution and portfolio reporting solutions. We will help you stay on the leading edge of order-handling technologies, advanced electronic trading tools, FIX connectivity, portfolio reporting, and automated compliance solutions. Annuity and insurance solutions Streamline processing and enhance your overall client experience Subscribe, Pershing s end-to-end annuity platform, streamlines how you process, service, and maintain fixed, indexed, and variable annuities to help you gather a greater share of the annuity market. The Subscribe platform makes available: Online order entry Same-day settlement Daily balance updates Commission settlement Financial activity reporting Additionally, Subscribe enables you to conveniently link information on your clients annuity and life insurance contracts to their brokerage accounts giving you and your clients a more comprehensive view of your clients portfolios, both online and on their monthly brokerage account statements. Page 7 of 12 5
8 Cash management solutions Tools to help clients streamline their financial lives Corestone Account is a powerful asset management account that gives your clients a complete portfolio snapshot in one comprehensive statement. Corestone features unlimited check writing, online bill payment capabilities, daily cash sweep, direct deposit, and more. Available in several tiers for individuals and corporations, the account makes available enhanced benefits such as a Visa debit card, ATM access, a loyalty rewards program, and more. Silver accounts allow for easy access to funds, unlimited check writing, daily cash sweep, expense tracking, online bill payment, optional credit line, telephone access, and more. The Silver level is an affordable entry point that can be upgraded as asset levels build. Silver Plus accounts include all the benefits of Silver as well as a Visa debit card. Gold accounts include all the benefits of the Silver and Silver Plus levels along with enhanced reporting, dividend reinvestment, purchase and travel protection, and RewardSuite, a complimentary loyalty rewards program. Platinum accounts include all the features of the Silver and Gold levels. In addition, there are higher withdrawal limits, greater ATM fee reimbursements, discounts on check orders, and stop payments at no additional charge. RewardSuite features higher point accumulation, concierge services, and minimal travel restrictions. Lending solutions We can help you maximize both sides of your clients balance sheets By providing effective borrowing solutions, you can help clients improve their cash flow, consolidate their debt, and make the most of their investment opportunities. In addition, lending products can put you in an advantageous position to gain greater insight to your clients holdings and further strengthen the client relationships you have established over time. Explore Pershing s range of lending solutions: CreditAdvance is a secured, revolving lineof-credit that serves as a valuable margin lending solution allowing qualified clients to purchase additional securities, attain a higher level of investment, and use the liquidity gained for various purposes. LoanAdvance is a securities-based nonpurpose lending solution designed to provide qualified clients access to a line-ofcredit for most personal and business needs with competitive interest rates and flexible terms with no fees. Clients can pledge a broad range of eligible assets as collateral and borrow up to 90% of combined market value in both their retail and separately managed accounts. Fully paid securities lending allows affluent clients holding fully paid-for securities to loan those securities to Pershing. 1 Pershing then has the option to utilize those securities to satisfy both internal and external borrowing needs. This creative solution can generate incremental income, as a majority of the spread earned on the loaned securities becomes revenue for your participating client. 2 1 To participate in the Fully Paid Securities Lending program, clients must maintain a minimum of $250,000 in their brokerage accounts held with Pershing. Investors should consult their tax advisors prior to participating in this program. 2 Enrollment in the Fully Paid Securities Lending program does not guarantee that Pershing will actually borrow securities from your clients. Pershing will borrow securities based on the needs of its business. 6 Page 8 of 12
9 Wealth management solutions Help your clients preserve, manage, and increase their wealth Being able to provide your clients a full complement of wealth management solutions is critical to cementing long-term relationships and potentially consolidating more of your clients business. Leveraging the extensive experience and knowledge at Pershing, you can maximize the opportunities that wealthy clients present. Corporate executive services. Employee stock options and restricted securities might be sizable, and somewhat illiquid, elements of compensation at senior management levels. Pershing s Corporate Executive Services provides support for cashless employee stock transactions and securitiesbased lending opportunities. Trust network. Trusts are one of the most important planning tools for households with more than $1 million in investable assets. Pershing s Trust Network provides you with a variety of trust services available through a choice of corporate trustees. This openarchitecture program provides a full menu of solutions geared to meet virtually any personal trust need, whether full-trustee, agent-for-trustee, or trust reporting services. Helping you deliver a compelling solution No matter how narrow and focused or broad and diverse your client base, you will find the investment solutions you need at Pershing We can help you deliver an innovative solution without the high costs of in-house development and the burden of inefficient workflows. We make available a vast array of global investment platforms and solutions along with a wide range of customization options to help you differentiate your brand. You can deliver client service with our award-winning statements and consolidated reporting and take advantage of our compliance expertise and rule-based processing to stay in step with changing regulations. To keep your advisors performing at their best, you can rely on our extensive consulting, practice management, and training solutions. Whether you are looking to provide a broad range of investment solutions, reach specific target markets, reduce overhead, mitigate risk, recruit top producers, or find more profitable distribution strategies, Pershing provides the strategic solutions that can help you grow your business without limits. Page 9 of 12 7
10 AWARD-WINNING STATEMENTS Account statements are your most frequent client touchpoint and provide a concrete way to reinforce a high level of service. For the past six years, Pershing s brokerage account statement has received an Excellent designation in the Brokerage Industry category of the annual Trends and Best Practices in Investor Statements survey published by DALBAR. 1 Their statements offer: Customization (firm logo, your name, and contact information) Consolidation for household accounts edelivery alternative Year-end account reports and quarterly performance reports 1 Pershing s brokerage account statement has received DALBAR s a rating of excellent for six consecutive years. 8 Page 10 of 12
11 YOUR BUSINESS WITHOUT LIMITS ṬM This is a relationship focused on your success. To learn more about Pershing, visit them online at About Pershing Pershing LLC (member FINRA, NYSE, SIPC) is a leading global provider of financial business solutions to more than 1,500 institutional and retail financial organizations and independent registered investment advisors who collectively represent 5.5 million active investors. Pershing is a member of every major U.S. securities exchange, and its international affiliates are members of the Deutsche Börse, Irish stock exchange, the London stock exchange, the Toronto stock exchange, and the Australian stock exchange. Pershing LLC is a BNY Mellon company. Additional information is available at Page 11 of 12
12 questarcapital.com Questar Capital Corporation, a subsidiary of Allianz Life Insurance Company of North America 5701 Golden Hills Drive Minneapolis, MN Member FINRA, SIPC QST-044 (R-5/2017) For broker/dealer use only not for use with the public. Page 12 of 12
Fund Solutions. The Centerpiece of Your Business-Building Strategy
Fund Solutions The Centerpiece of Your Business-Building Strategy Tap Into a Growth Opportunity The U.S. mutual fund market remains the largest in the world, accounting for nearly 50 percent of the $37
More informationWealth ManageMent SolutionS. Helping You grow Your HigH-net-wortH Business
Wealth ManageMent SolutionS Helping You grow Your HigH-net-wortH Business pershing s wealth MAnAgeMent solutions MAY enable Your Clients to effectively protect AnD increase their wealth From alternative
More informationRetirement Solutions. Grow Your retirement Business with PershinG. Your Business without Limits tm
Retirement Solutions Grow Your retirement Business with PershinG Your Business without Limits tm Grow Your Retirement Business With Pershing Open architecture platform Simplified account management Unbiased
More informationYOUR GUIDE TO PRODUCTS AND SERVICES MARKETING MATERIALS
YOUR GUIDE TO PRODUCTS AND SERVICES MARKETING MATERIALS December 2013 This guide features an overview of the marketing materials covering a wide array of products and services available for use by your
More informationMutual Fund Only IRAs. Attract RETIREMENT BUSINESS AND GROW MUTUAL FUND ASSETS
Mutual Fund Only IRAs Attract RETIREMENT BUSINESS AND GROW MUTUAL FUND ASSETS Enhance Your IRA Offering and Gain a Competitive Edge Mutual fund assets in IRAs and defined contribution plans totaled $4.7
More informationCorestone is a powerful asset management account that gives you a complete portfolio snapshot in one statement.
Corestone is a powerful asset management account that gives you a complete portfolio snapshot in one statement. Key Features Several account tiers for you to choose from with no charge for the annual fee
More informationDo asset management accounts really benefit investors and what are some of the major benefits of Corestone that I can highlight to my clients?
Corestone GENERAL Do asset management accounts really benefit investors and what are some of the major benefits of Corestone that I can highlight to my clients? Investors can benefit from the many great
More informationProCash Plus Changing to Corestone Account Frequently Asked Questions
ProCash Plus Changing to Corestone Account Frequently Asked Questions This document will prepare you to answer some of the most commonly asked questions about the conversion from ProCash Plus to Corestone
More informationWEALTH MANAGEMENT PLATFORM
My Advice Architect is an Advice Architect Ecosystem solution. AN END-TO-END WEALTH MANAGEMENT PLATFORM DEMONSTRATING THE VALUE OF YOUR ADVICE HAS NEVER BEEN EASIER While every client is different, all
More informationA winning relationship
A winning relationship For clients of independent investment advisors You, your advisor, and Schwab Advisor Services Your advisor s expertise and Schwab s custody services come together to help protect
More informationThe Core of a Solid Financial Portfolio
The Core of a Solid Financial Portfolio A Simple Way to Centrally Manage Your Finances Your financial life can be complex. Multiple accounts and separate statements can make managing your money a challenge.
More informationENHANCED PRODUCTIVITY WITH STREAMLINED SOLUTIONS. Enhanced Productivity With Streamlined Solutions for Your Annuity Business
ENHANCED PRODUCTIVITY WITH STREAMLINED SOLUTIONS Enhanced Productivity With Streamlined Solutions for Your Annuity Business Subscribe streamlines how you process, service and maintain annuities, helping
More informationLending Solutions. Leverage-based products for active investors. Your Business Without Limits TM
Lending Solutions Leverage-based products for active investors Your Business Without Limits TM Let Pershing Help You Set Yourself Apart Your clients count on you to manage their assets. But what about
More informationA Window to Your Financial World
A Window to Your Financial World NetXInvestor TM provides you with online access to your investment accounts, night and day, seven days-a-week. 1 In addition, you can have instant access to balances,
More informationSmall Business Retirement Plans. Understanding and Navigating Plan Selection for Your Clients
Small Business Retirement Plans Understanding and Navigating Plan Selection for Your Clients Small Business Key Facts Nearly half of all workers in the U.S. have less than $1,000 saved for retirement 1
More informationFinance Your Investment Goals With a Margin Loan
Finance Your Investment Goals With a Margin Loan > No upfront fees, points or closing costs > No preset monthly payments > No prepayment penalty > Consolidated statement > Source of emergency funds > Quick
More informationManaging Your Everyday Finances. Cash Management Solutions at Morgan Stanley
Managing Your Everyday Finances Cash Management Solutions at Morgan Stanley 2 As a Morgan Stanley client, you have access to a full suite of cash management solutions as an attractive alternative to a
More informationA winning relationship. You, your advisor, and Schwab
A winning relationship You, your advisor, and Schwab Your advisor s expertise and Schwab s custody services come together to help protect your assets and support your investment goals. In this guide: An
More informationA Window to Your Financial World
A Window to Your Financial World NetXInvestor provides you with online access to your investment accounts, night and day, seven days-a-week. 1 In addition, you can have instant access to balances, portfolio
More informationGetting to know TIAA s individual financial solutions and its financial professionals
Getting to know TIAA s individual financial solutions and its financial professionals For nearly 100 years, TIAA has served the retirement needs of plan participants who work in the academic, medical,
More informationALTERNATIVE INVESTMENT SOLUTIONS SERVE INVESTOR NEEDS AND UNCOVER A GROWTH OPPORTUNITY
ALTERNATIVE INVESTMENT SOLUTIONS SERVE INVESTOR NEEDS AND UNCOVER A GROWTH OPPORTUNITY DIVERSIFY CLIENT ASSETS AND DIFFERENTIATE YOUR BUSINESS COMPREHENSIVE AND FLEXIBLE ALTERNATIVE INVESTMENT SOLUTIONS
More informationSecurities-Based Lending
Securities-Based Lending Become a Holistic Wealth Manager With LoanAdvance Today, high-net-worth investors have more complex needs than in the past. To remain competitive, you will need to provide more
More informationThe Complete Technology Solution To Manage Your Evolving Business Needs
The Complete Technology Solution To Manage Your Evolving Business Needs Empower Your Clients rovides your clients with: An essential solution for managing their investments online An efficient user-friendly
More informationTo navigate through this guide, a simpler, more streamlined way to help you manage your finances. Get started with your Online User s Guide.
To navigate through this guide, use the and buttons. View Welcome your User s to Guide a simpler, more streamlined way to help you manage your finances. Get started with your Online User s Guide. Welcome
More informationGlobal Prime Brokerage Solutions
Global Prime Brokerage Solutions Customized For Your Mutual Fund Your Business Without Limits Pershing Prime Services Resources as Expansive as Your Needs Working with Pershing Prime Services, you can
More informationPersonal Banking Solutions
Personal Banking Solutions Financial consultants understanding your goals to provide valuable solutions. amerisbank.com Checking Solutions Providing you with a checking account that fits your lifestyle.
More informationLet s make a plan All the tools you need to offer the best solutions to your clients
Let s make a plan All the tools you need to offer the best solutions to your clients Introduce your clients to a respected leader in retirement services. Over the last three decades, we ve helped financial
More informationManaging Your Everyday Finances
Managing Your Everyday Finances Making the Most of Your Relationship With Morgan Stanley Managing your day-to-day spending, cash flow, and available funds are key features of your overall financial management
More informationRETIREMENT READINESS FOR YOUR EMPLOYEES THE VALUE OF ADVICE AND PLANNING
RETIREMENT READINESS FOR YOUR EMPLOYEES THE VALUE OF ADVICE AND PLANNING Advice and Planning Services is a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor.
More informationLet s make a plan. All the tools you need to offer the best solutions to your clients
Let s make a plan All the tools you need to offer the best solutions to your clients A partner you can trust Introduce your clients to the largest independent service provider. 1.75 million eligible retirement
More informationYour life. Your future. Your options.
Your life. Your future. Your options. Whether by chance or by choice, you have options. Explore them with Empower Retirement. Corporate Retirement Plan Participant Brochure You want to retire someday or
More informationPRIVATE BANKING SOLUTIONS TAILORED LENDING AND MORTGAGE STRATEGIES FOR HIGH-NET-WORTH INVESTORS
PRIVATE BANKING SOLUTIONS TAILORED LENDING AND MORTGAGE STRATEGIES FOR HIGH-NET-WORTH INVESTORS KEY BENEFITS TO YOUR BUSINESS Deepen Relationships. With direct access to private banking solutions, clients
More informationInstitutional Wealth Services. Helping organizations maximize institutional assets and bolster their employee financial benefits.
Institutional Wealth Services Helping organizations maximize institutional assets and bolster their employee financial benefits. 2 Morgan Stanley 2016 A Message From Marc Brookman Over the past 80 years,
More informationNovember 24, Asset Security with Charles Schwab & Co. Inc.
November 24, 2008 Re: Asset Security with Charles Schwab & Co. Inc. In light of ongoing turbulence in the financial markets and in response to questions and concerns you may have, your advisor asked us
More informationBrokerage Quick Reference Guide
Brokerage Quick Reference Guide Our secure online Brokerage trading platform provides a comprehensive view of your Brokerage portfolio, access to timely news and market information, and trading capabilities.
More informationGuided Portfolio Solutions
Guided Portfolio Solutions Simple, yet sophisticated, the Guided Portfolio Solutions platform can elevate your advisory business. Guided Portfolio Solutions (GPS) is a sophisticated, yet simple advisory
More informationLincoln Premier Series Wealth Management Program Wrap Fee Program Brochure
Lincoln Premier Series Wealth Management Program Wrap Fee Program Brochure October 14, 2016 Lincoln Financial Advisors Corporation 1300 South Clinton St., Suite 150 Fort Wayne, IN 46802 (800) 237-3813
More informationADV Part 2A Appendix 1 Wrap Fee Program Brochure
One North Brentwood Blvd. Suite 850, St. Louis, MO 63105 benjaminfedwards.com ADV Part 2A Appendix 1 Wrap Fee Program Brochure November 9, 2018 This wrap fee program brochure provides information about
More informationDiversified Managed Allocations
Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to
More informationADD A NEW DIMENSION TO YOUR PRACTICE.
ADD A NEW DIMENSION TO YOUR PRACTICE. YOUR PRACTICE IS ENTERING A NEW ERA. One of our core values at Questar Asset Management (QAM) is acting in our clients best interest, which is why we re uniquely positioned
More informationRollover IRAs. Consider the advantages of consolidating your retirement savings PROOF 3
Rollover IRAs Consider the advantages of consolidating your retirement savings O O R P 3 F Consider the Advantages of Consolidating Your Retirement Savings If you have changed jobs, left the workforce
More informationSmall Business Retirement Plans. Choose the right retirement solution for your business
Small Business Retirement Plans Choose the right retirement solution for your business Why Establish a Retirement Plan for Your Business? Where will your retirement money come from? Many people believe
More informationBetter 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 informationExactly what kind of bank is South State Bank?
Business Banking Exactly what kind of bank is South State Bank? Yours. The right banking relationship can make a big difference in your success. Whether you need a new business checking account, more effective
More informationWhen insight matters. TM. Insight changes everything
When insight matters. TM Insight changes everything Insight creates opportunities The advantage of knowing Scotiabank At Scotiabank, our Global Banking and Markets division provides corporate and investment
More informationFPO. Fidelity Managed Account Solutions. A strategic integration for managed account delivery
FPO Fidelity Managed Account Solutions A strategic integration for managed account delivery WHY A MANAGED ACCOUNT? The use of managed accounts by financial advisors has been steadily and rapidly growing,
More informationTREASURY SOLUTIONS FOR INSURANCE COMPANIES
TREASURY SOLUTIONS FOR INSURANCE COMPANIES SERVICES TO ENHANCE YOUR EFFICIENCY AND PROFITABILITY Your operating environment is continually evolving. And the competition is always a step closer to capturing
More informationInvestment Advisory Disclosure Brochure
FORM ADV Part 2A September 30, 2017 Item 1: Cover Page 6400 East Park Drive Palm Beach Gardens, FL 33410 866.774.8671 www.legendadvisory.com Investment Advisory Disclosure Brochure This brochure provides
More informationHelping educators and staff make future plans a reality. For Plan Sponsor Use Only. Not for Public Distribution.
Helping educators and staff make future plans a reality For Plan Sponsor Use Only. Not for Public Distribution. Navigating one s own financial future is a daunting and difficult task. However, our employees
More informationPLAN DESIGN STRATEGIES FOR SUCCESS
PLAN DESIGN STRATEGIES FOR SUCCESS PLAN DESIGN STRATEGIES FOR SUCCESS EXECUTIVE SUMMARY In the past, many financial advisors centered their retirement plan service model around their investment expertise.
More informationDISCOVER THE BENEFITS ADVISER USE ONLY NOT FOR DISTRIBUTION TO RETAIL CLIENTS
DISCOVER THE BENEFITS ADVISER USE ONLY NOT FOR DISTRIBUTION TO RETAIL CLIENTS DISCOVER THE BENEFITS s award winning platform combines ease of use technology, with choice, flexibility and competitive administration
More informationServing those who serve our nation. For Plan Sponsor Use Only. Not for Public Distribution.
Serving those who serve our nation For Plan Sponsor Use Only. Not for Public Distribution. Specializing in financial wellness In the crowded field of retirement plan providers, VALIC stands out as one
More informationConsiderations for Registered Investment Advisors
The DOL Conflict of Interest Rule Considerations for Registered Investment Advisors The Department of Labor s Conflict of Interest Rule (the Rule) has broad implications for the financial services industry.
More informationProducts and Services
Products and Services Everyday Banking Citigold Private Client Centres The Citigold Private Client Centre is an exclusive, cultured and professional environment presenting our valued clients with personalised
More informationinvestment processes Real-time, electronic, futures clearing & execution services
SM Futures Connect Real-time, electronic, futures clearing & execution services investment processes As market competition increases, flexible derivative contracts are a vital risk management component
More informationTIAA 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 informationPNC Investments Client Schedule of Commissions & Fees
PNC Investments Client Schedule of Commissions & Fees PNC Investments (PNCI) Financial Advisors 1 work closely with you, taking time to fully understand your current financial situation, establish and
More informationNonprofits face many challenges. Growing investments. to support your operational needs. Meeting the need for
H E L P I N G Y O U A C H I E V E Y O U R O R G A N I Z A T I O N S M I S S I O N F o u n d a t i o n & I n s t i t u t i o n a l A d v i s o r s Y O U R O R G A N I Z A T I O N S N E E D S A R E C O M
More informationServing those who serve others in education
Serving those who serve others in education For Plan Sponsor Use Only. Not for Public Distribution. VALIC s dedication to the higher education community is demonstrated by its long-standing partnership
More informationLockwood Advisors, Inc. Firm Brochure LIS, LAAP, AFP and Third Party Model Providers Form ADV Part 2A
Item 1 Cover Page Lockwood Advisors, Inc. 760 Moore Road King of Prussia, PA 19406 (800) 200-3033, Option 3 www.lockwoodadvisors.com Firm Brochure LIS, LAAP, AFP and Third Party Model Providers Form ADV
More informationF OCUSED ON Y OUR F INANCIAL F UTURE
F OCUSED ON Y OUR F INANCIAL F UTURE CM COBURN & MEREDITH, INC. Established 1934 Our mission and dedication is to give you financial peace of mind. The Coburn & Meredith Value Coburn & Meredith, Inc. was
More informationTD Ameritrade Retirement Plan Provided by TD Ameritrade Trust Company
Retirement Plan Solutions TD Ameritrade Retirement Plan Provided by TD Ameritrade Trust Company A solution that delivers outstanding investment flexibility and ease of administration all from a recognized
More informationWorking Behind the Scenes. For Your Financial Organization
Working Behind the Scenes For Your Financial Organization Our Supporting Role Pershing LLC (Pershing), a BNY Mellon company, works behind the scenes on behalf of your financial organization. Pershing provides
More informationYour Retirement Plan Strategy
Building financial security since 1958 Your Retirement Plan Strategy Expert Advice Innovative Options Personalized Service We deliver the superior service you deserve, backed by the expertise you expect.
More informationMANAGED ACCOUNTS. Portfolio Solutions. Providing the guidance and flexibility to meet your customized investing needs
MANAGED ACCOUNTS Portfolio Solutions Providing the guidance and flexibility to meet your customized investing needs INTRODUCING PORTFOLIO SOLUTIONS When it comes to achieving your financial goals, here
More informationLockwood Asset Allocation Portfolios
Lockwood Asset Allocation Portfolios A Selection of Risk-Based Models Designed to Serve as the Core of an Investor s Portfolio About the Program Lockwood Asset Allocation Portfolios from BNY Mellon s Lockwood
More informationThe 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 informationMarketplace Addendum
Marketplace Addendum Effective November 15, 2018 Welcome to Citibank and thank you for choosing us for your banking needs. This Marketplace Addendum is a supplement to the Client Manual Consumer Accounts.
More informationLife is a Journey. The University System of Maryland Retirement Plans
Life is a Journey R E T I R E M E N T A D E S T I N AT I O N The University System of Maryland Retirement Plans Fidelity Can Help Your Every Step of the Way. Online Log on to netbenefits.com/usm the home
More informationAre Alternatives Right for Your Portfolio?
Are Alternatives Right for Your Portfolio? Guide to Alternatives for Investors CUSTODY SERVICES Investors are always looking for ways to improve their portfolio diversification to meet long-term investment
More informationOKLAHOMA MUNICIPAL RETIREMENT FUNDTM. A plan for today. Retirement possibilities for tomorrow.
OKLAHOMA MUNICIPAL RETIREMENT FUNDTM A plan for today. Retirement possibilities for tomorrow. TM SET UP YOUR PLAN ACCOUNT ACCESS TODAY You can access your account in a variety of ways. Whether online,
More informationHEALTH SAVINGS ACCOUNTS AN EFFECTIVE WAY TO MANAGE HEALTHCARE COSTS
HEALTH SAVINGS ACCOUNTS AN EFFECTIVE WAY TO MANAGE HEALTHCARE COSTS EXPAND YOUR FINANCIAL SERVICES CAPABILITIES WITH PERSHING Open architecture Simplified account management Unbiased perspective Wide selection
More informationTIAA Brokerage: For non-retirement accounts Investing as you like it
TIAA Brokerage: For non-retirement accounts Investing as you like it From our retirement roots, TIAA has continued to evolve and grow our financial services organization. We remain true to our not-for-profit
More informationPrivate Banking Solutions LENDING AND MORTGAGE STRATEGIES, EXCLUSIVELY FOR HIGH-NET-WORTH CLIENTS
Private Banking Solutions LENDING AND MORTGAGE STRATEGIES, EXCLUSIVELY FOR HIGH-NET-WORTH CLIENTS Experience total wealth management for your high-net-worth clients The number of wealthy investors is growing
More informationConsulting Group: An Introduction
2 Disciplined Investment Process 3 Investment Advisory Programs 5 Global Resources, Local Perspective product consulting group Consulting Group: An Introduction summary The last several years have proven
More informationBROKER/DEALER SCORECARD YOUR GUIDE TO CHOOSING THE FIRM THAT S RIGHT FOR YOU FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC.
BROKER/DEALER SCORECARD YOUR GUIDE TO CHOOSING THE FIRM THAT S RIGHT FOR YOU FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC. JOINLPL.COM eciding to affiliate with a different broker/dealer
More informationCHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN
CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN TM By choosing ECCA PayrollPlus, you instantly access the benefits of leveraged expertise in payroll & tax administration. Now do the
More informationTHE COMMONWEALTH CHOICE A Partnership That Benefits You
THE COMMONWEALTH CHOICE A Partnership That Benefits You Because there are so many financial advisors out there, you re free to choose the one you believe is best suited to help you meet your objectives
More informationBPU. Invested in Your Interests
BPU. Invested in Your Interests ONE OXFORD CENTRE 301 GRANT ST. SUITE 3300 PITTSBURGH, PA 15219 412-288-9150 WWW.BPUINVESTMENTS.COM Dear Clients: Early in November, you received a post card from us titled,
More informationSchwab Private Client. Made for you.
Schwab Private Client Made for you. It starts with you. And stays that way. Welcome to Schwab Private Client, the proactive approach to wealth management you deserve. At its core is a dedicated team that
More informationYour advisor s trusted clearing provider
Your advisor s trusted clearing provider RBC Correspondent Services Introducing RBC Correspondent Services As an investor, you want the best professional support available to help you reach your financial
More informationWelcome to a unique program that puts you at the center of everything we do. Contents
84222_0709_Priority_OVW_r5.indd 1 5/27/09 12:02:09 PM Welcome to a unique program that puts you at the center of everything we do. When you achieve more, you deserve more a simple idea that has been at
More informationMaking decisions that will affect your life and the lives of those you care about is a deeply personal experience.
TD Wealth Making decisions that will affect your life and the lives of those you care about is a deeply personal experience. At TD, we believe that each client s needs and goals are truly unique, and that
More informationJANNEY MONTGOMERY SCOTT LLC
JANNEY MONTGOMERY SCOTT LLC Investment Management Disclosure Brochure 1717 Arch Street Philadelphia, PA 19103 Main (215) 665-6000 Toll-free (800) 526-6397 www.janney.com March 31, 2014 This disclosure
More informationOTC Derivatives Valuation and Data Services Technology-enabled solutions for derivatives and complex instruments
OTC Derivatives Valuation and Data Services Technology-enabled solutions for derivatives and complex instruments Gain the clearest view into OTC derivatives markets Capitalize on the industry s highest
More informationsmartcdh Consumer-Directed Health Care Solutions Making it easy for people to manage their care, so they can enjoy life. Health Savings Accounts
smartcdh Consumer-Directed Health Care Solutions Health Savings Accounts Flexible Spending Accounts Health Reimbursement Arrangements Retirement Health Benefits COBRA, Lifestyle, Adoption, Education and
More informationMobile Check Deposit USER GUIDE. April 2015
Mobile Check Deposit USER GUIDE April 2015 2015 Pershing LLC. Pershing LLC, member FINRA, NYSE, SIPC, is a wholly owned subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Trademark(s)
More informationMutual Fund Investing at Merrill Lynch
Merrill Lynch Personal Advisor Program Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet January 2019 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park
More informationInnovative Lending Solutions in the RIA Space for Breakaway Advisors
Liability Management: Innovative Lending Solutions in the RIA Space for Breakaway Advisors Table of Contents Introduction 1 Independent Lending Solutions 2 Private Banking Solutions 4 Hybrid Solutions
More informationInvest now to help make your retirement dreams a reality
Invest now to help make your retirement dreams a reality What s inside The sooner you start, the better off you ll be... 1 Chart your path to a comfortable retirement.... 2 Why Vanguard?... 5 Choose the
More informationPART 2A OF FORM ADV: FIRM BROCHURE
PART 2A OF FORM ADV: FIRM BROCHURE Cadaret, Grant & Co, Inc. One Lincoln Center 800.288.8601 www.cadaretgrant.com Part 2A of Form ADV: Firm Brochure Dated: May 16, 2018 This brochure provides information
More informationwelcome to the new Regions See how we re making banking better
welcome to the new Regions See how we re making banking better CONTENTS 3 Contents Highlights 5 Highlights of Changes 12 Access Made Easy 18 Everyday Banking at Regions 25 Additional Financial Services
More informationExpanding the possibilities. Schwab Personal Choice Retirement Account
Expanding the possibilities. Schwab Personal Choice Retirement Account A retirement plan with more to offer. Schwab Personal Choice Retirement Account (PCRA) gives your employees thousands of investment
More informationHelping you manage your full financial picture
Helping you manage your full financial picture All deposit products offered by Wells Fargo Bank, N.A. Member FDIC. Brokerage products and services offered through Wells Fargo Advisors, LLC. Investment
More informationBusiness Transformation: Navigating a Path Forward
Business Transformation: Navigating a Path Forward Summary Guide The financial services industry is undergoing sweeping transformation, presenting challenges and opportunities. How can the financial services
More informationDistributions from your employersponsored. retirement plan. Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York
Distributions from your employersponsored retirement plan Understanding your options Allianz Life Insurance Company of North America Allianz Life Insurance Company of New York AMK-068-N Page 1 of 12 Your
More informationCash management solutions. Simplify your financial life
Cash management solutions Simplify your financial life How cash fits into your overall financial picture Choose from a wide range of integrated solutions To prepare for your financial future, you are
More informationEnhance the Income Potential of Assets in Your Portfolio
Enhance the Income Potential of Assets in Your Portfolio Potentially Increase Your Wealth Using Your Existing Assets You could have an additional source of return on the assets you already hold in your
More informationWorking Smarter: Advantages of Independence
Working Smarter: Advantages of Independence Working Smarter: Advantages of Independence What is driving the tremendous growth in the independent broker/dealer channel and should you consider getting on
More informationImportant Information About Changes To Your Advisory Service
Important Information About Changes To Your Advisory Service March 29, 2018 Effective July 16, 2018, Fidelity will bring together multiple services. A new registered investment adviser called Fidelity
More information