Clarity. Confidence. Capability. Get to Know Centinel Financial Group, LLC

Transcription

1 Clarity. Confidence. Capability. Get to Know Centinel Financial Group, LLC

2 Centinel Financial Group Centinel is an American Revolutionary term used to signify guarding and protection. Our brand reflects our commitment to oversee and protect the financial wealth and well-being of our clients, no matter how simple or complex their needs might be. Individuals, families and businesses choose to work with Centinel Financial Group for the relationships and trust that we build. What this means is that our dedicated advisory team will share a process that will help you realize your personal goals and maximize your opportunities. The real benefit of working with our firm is the clarity, confidence and capability you will gain in your financial security and in helping protect what matters most to you. OUR TEAM Centinel Financial Group, LLC is a select team of financial professionals with backgrounds in finance, business, insurance and investments. Through our team approach, our firm has built a reputation as a leader in the financial services industry and as an innovative business partner with our clients. Each advisor understands his or her clients unique financial situations and provides the most effective resources to help meet their needs. A STRATEGIC PARTNERSHIP Centinel Financial Group, LLC is an independent firm of Signator Investors, Inc., a nationally recognized financial services organization. This relationship provides us with comprehensive support as we address your diverse financial needs. Signator Investors commitment to technology and service enables constant innovation in conducting business. Signator Investors is a full service broker/dealer and Registered Investment Advisor offering an extensive portfolio of investment and advisory products and services through its open product platform, including: General Securities, Mutual Funds, Limited Partnerships, Comprehensive Financial and Estate Planning, Private Money Management and Mutual Fund Wrap Programs. Together, we achieve our mission to provide quality financial guidance, to build relationships of trust, and to develop innovative solutions that help our clients achieve their unique financial goals.

3 Customized Financial Solutions A successful wealth management strategy is one that provides for you and your family today, and preserves for future generations. To achieve this success, a financial strategy must be comprehensive. At Centinel Financial Group we work with your attorney, trustee, accountant and other professionals as necessary to create a customized strategy that considers your various wealth management needs. Depending on your stage of life and financial concerns, we will help you find the appropriate solutions for issues such as funding for retirement, education funding, tax-advantaged investing1, protecting your assets and your family, and organizing your estate. ACCUMULATION PROTECTION DISTRIBUTION

4 WEALTH ACCUMULATION Portfolio Building Through asset allocation, we can help develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories 2. We ll take into account your risk tolerance, liquidity needs, and your short-term and long-term goals. Retirement Planning If you are planning for a secure retirement, we can help evaluate your retirement income needs as well as assist in implementing any IRA rollover decisions. College Funding We can help you choose the right savings and investment vehicles, as well as appropriate plans available for financing an education. WEALTH PROTECTION Survivorship Protection We can help you develop a survivor protection strategy using life insurance to provide the income your heirs will need to maintain their lifestyle. Asset Protection We can recommend and design strategies to help protect your life savings and your independent lifestyle using various financial vehicles to help safeguard your family s financial future. Disability Income Insurance Often overlooked is the need to protect your current income stream and future earnings in the event of a disability. We can help you protect your earnings so that you can help maintain your financial independence and continue to fund for your future retirement or personal financial goals. Long-Term Care Insurance We can help protect your assets from the rising costs of long-term care. A long-term care strategy helps maintain your financial future and that of your loved ones. WEALTH DISTRIBUTION Trust and Estate Planning 3 With an effective trust and estate planning strategy, you can control your assets according to your wishes, consider taxes 1, reduce administrative costs, and ensure the proper management of your affairs should you become unable to do so. You may also be interested in developing charitable or family gifting strategies to pass along your wealth. Based on your individual situation, we can recommend techniques for approaching these challenges. Income Distribution Many of today s retirees have retirement savings held in a variety of accounts. We can help create a strategy to ensure you are distributing your income in the most tax efficient way throughout your retirement years.

5 Financial Solutions for You and Your Business Working closely with your legal and tax advisors, we can help you reach your business and estate planning goals with solutions that will help to maximize your personal benefits, provide benefits that will help attract and retain employees, protect against the loss of key employees, and create ownership succession strategies. These solutions can help you grow your business and transfer wealth to future generations. Once your customized plan is in place, we continue to support you by conducting ongoing reviews to help ensure your plan is on track. RETIREMENT PLANNING EXECUTIVE COMPENSATION STRATEGIES EMPLOYEE BENEFITS EDUCATIONAL WORKSHOPS KEY PERSON INSURANCE BUSINESS SUCCESSION PLANNING

6 A Relationship of Trust Through a four-step process, we consider your needs and goals as well as a variety of financial information to create a customized wealth management strategy. This process is ongoing, and we re there to guide you and make necessary changes to your strategy as the years go by. PRIVATE DIAGNOSE 1 CONSULTATION 2 3 DESIGN YOUR TAILORED 4 DELIVERING VALUE POSITION SOLUTIONS TO YOU STEP 1: PRIVATE CONSULTATION STEP 3: DESIGN TAILORED SOLUTIONS First, we ll simply get to know you, your financial situation, and your needs. With our solid experience, knowledge and dedication, you can be assured that we will understand your personal and business goals and translate them into customized solutions. We understand that each person and each business is unique, and therefore faces distinct challenges. Your customized financial strategy will address the challenges that are most important to the success of your financial future. STEP 2: DIAGNOSE YOUR POSITION STEP 4: DELIVERING VALUE TO YOU We will take your input and conduct a thorough analysis of your current financial situation. In order to offer you truly comprehensive service, we leverage professionals who specialize in the areas of law, accounting and business valuation. This allows us to find answers that are both effective and meaningful to you. Our relationship does not end with the implementation of your financial strategy. We will meet with you on a regular basis to monitor your evolving needs and goals in light of changing investment markets, tax laws 1, etc., and will recommend changes as appropriate. We pride ourselves on this commitment and look forward to strengthening our relationship with you as our client over many years.

7

8 160 Gould Street, Suite 212 Needham Heights, MA Telephone: Facsimile: Financial analysis and recommendations do not constitute tax, legal or accounting advice and neither John Hancock, Signator Investors, Inc. nor any of its agents, employees or registered representatives are in the business of offering such advice. Financial analysis is not intended for and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. Anyone interested in these transactions or topics should seek advice based upon his or her particular circumstances from independent professional advisors. 2 Diversification does not guarantee a profit or protect against loss. It is a method used to help manage investment risk. 3 Signator Investors, Inc. provides fee based advisory accounts and fee based financial planning and only qualified representatives enrolled in the Signator Investors, Inc. Corporate Registered Investment Advisory Program may offer these advisory products and services. Registered Representative/Securities and Investment Advisory Services offered through Signator Investors, Inc., Member FINRA, SIPC, a Registered Investment Advisor. 160 Gould Street, Suite 212, Needham Heights, MA Centinel Financial Group, LLC is not affiliated with Signator Investors, Inc