Thursday, November 12, 2015 - 10:45 AM-11:45 AM Presenting: Sheldon F. Bernau, Vice President, Senior Relationship Manager, Synovus, Andrew Sheppard, Senior Vice President and Senior Portfolio Manager, Synovus Stacy Schurler, Vice President, Wealth Insurance Consultant, Synovus Description: This presentation will focus on pre and post retirement planning, the different stages of retirement, factors to consider and pitfalls to avoid.

1. Synovus Trust Company. N.A.
The information presented herein was compiled from sources believed to be reliable. This material represents the manager’s assessment of the market environment at a
specific point in time and should not be relied upon by the reader as research or investment advice regarding any stock. Opinions expressed are subject to change without
notice. This is not a solicitation to buy or sell any security. Synovus Trust Company, N.A., its affiliates and its officers, directors and employees may from time to time acquire,
hold or sell securities mentioned herein. There are risks involved in investing in mutual funds, including loss of principal. This outline has been prepared from sources and
data believed to be reliable but is not guaranteed to or by Synovus Trust Company, N.A. Past performance does not guarantee future results.
Investment products and services provided by Synovus are offered through Synovus Securities, Inc (“SSI”), Synovus Trust Company, N.A. (“STC”), GLOBALT Investments,
a separately identifiable division of STC and Creative Financial Group, a division of SSI. Trust services for Synovus are provided by Synovus Trust Company, N.A. The
registered broker-dealer offering brokerage products for Synovus is Synovus Securities, Inc., member FINRA/SIPC. Investment products and services are not FDIC
insured, are not deposits of or other obligations of Synovus Bank, are not guaranteed by Synovus Bank and involve investment risk, including possible loss of
principal amount invested.
Synovus Securities, Inc. is a subsidiary of Synovus Financial Corp and an affiliate of Synovus Bank and Synovus Trust. Synovus Trust Company, N.A. is a subsidiary of
Synovus Bank.

2. Guest Speaker – Andrew W. Sheppard
Andrew W. Sheppard
Senior Vice President and Senior
Portfolio Manager
asheppard@synovusbankfl.com
(239) 349-8113
Andrew W. Sheppard is a third-generation native of Fort Myers and has served the
Southwest Florida community since 1983, bringing more than 30 years of experience in
portfolio management and trust administration. He received his masters and bachelor of
business administration degrees from Florida Atlantic University and is a CERTIFIED
FINANCIAL PLANNER™ professional.
Mr. Sheppard’s role on the Synovus Private Client Group’s team is to provide
comprehensive investment management to high net worth individuals, families and
foundations, with a holistic focus on all facets of the client’s overall financial picture. The
Synovus Private Client Group has extensive experience addressing issues including
estate planning, effects of taxation, risk management, cash management and credit
needs. The goal is to provide coordinated, tax efficient and cost effective solutions for
the complex needs of a client relationship.
Prior to joining Synovus Trust Company N.A., Andy held senior level portfolio
management positions at SunTrust Bank, Investors Security Trust Company and
KeyBank. In 2003, he played a key role in organizing Investors’ Security Trust Company,
a state chartered trust company based in Southwest Florida. Along with noted economist
Dr. David Jones, Andy was responsible for the development and ongoing management
of the firm’s internal investment platform overseeing all facets of the program’s policies
and procedures as well as the proprietary equity screening process. Other key
responsibilities included construction, maintenance and monitoring of the equity and
fixed income working lists as well as oversight of block trading on their institutional equity
and fixed income trading platforms.
Earlier in his career, Andy also worked as a registered representative for a major wire
house as well as a fee-only registered investment advisor.

3. Guest Speaker – Stacy Schurter
Stacy Schurter
Vice President
Wealth Insurance Consultant
stacyschurter@synovus.com
(678) 320-6043
Stacy Schurter resides in Atlanta, Georgia. Originally from Minnesota her love of
Florida developed from summer vacations with her grandparents to the Tampa area.
She started working with Synovus Securities Inc. in 2013 as a Wealth Insurance
Consultant . Her role is to help our most valued clients with questions regarding
insurance solution and try to bring clarity to their benefits. She received her Bachelor of
Business Administration degree from University of Wisconsin – STOUT and is a
CHARTERED LIFE UNDERWRITER (CLU) professional.
Mrs. Schurter’s role on the Synovus Private Client Group’s team is to provide
comprehensive insurance reviews to high net worth individuals, families and
foundations, with a holistic focus on all facets of the client’s overall financial picture.
Insurance can be an integral part of helping clients achieve their financial goals. From
protecting their assets to tax efficient ways of transferring their assets to the next
generation.
Sheldon Bernau resides in Pensacola and has served the Florida Panhandle community
since 1993, bringing more than 20 years of experience in investments, financial planning
and trust administration. He received his masters of accountancy from the University of
West Florida and is Certified Public Accountant, Chartered Global Management
Accountant and Certified Divorce Financial Analyst.
Mr. Bernau’s role on the Synovus Private Client Group’s team is to provide
comprehensive relationship management to high net worth individuals, families and
foundations, with a holistic focus on all facets of the client’s overall financial picture. The
Synovus Private Client Group has extensive experience addressing issues including
estate planning, effects of taxation, risk management, cash management and credit
needs. The goal is to provide coordinated, tax efficient and cost effective solutions for
the complex needs of a client relationship.
Prior to joining Synovus Trust Company N.A., Sheldon worked as a CPA with two
regional accounting firms and as an investment advisor for a major wire house.
Sheldon F. Bernau, CPA, CGMA
Vice President
Senior Relationship Manager
sheldonbernau@synovustrust.com
(866) 643-3006

4. Stages of Retirement
Sheldon Bernau
Pre and Post Retirement Planning
Initial Factors To Consider
 Where you are vs. Where you want to be
 The benefits of having a plan
Risk vs. Reward
 Is the route you’re traveling, the best way for you to travel?
 What do you need…what do you want?
Retirement Pitfalls
 What has the greatest impact on your retirement plans?
 Navigating the obstacles that can negatively impact your plan
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5. Long-Term Care
Stacy Schurter
In retirement or as you approach retirement, it is important to anticipate
expenses associated with long term care since these expenses will be
incurred – we just don’t know when or for how long.
• Planning options:
• Self-funding
• Medicare and Medicaid
• Traditional long term care policies
• Life insurance with access to death benefit for long term care needs
• Other alternative policies such as annuities and single premium life
insurance
We will explore the pros and cons of the options and discuss the current
environment.

6. Building A Retirement Portfolio
Andrew Sheppard
Initial Factors To Consider
 Early Is Better
 The Importance Of A Financial Plan
 DIY or Do You Need An Advisor?
Portfolio Construction
 Consider Investment Objectives and Constraints
 Determine Proper Asset Allocation
 The Importance Of Diversification
 Factor In The Inevitable Bear Market – How Will You React?
Portfolio Maintenance
 The Importance Of Rebalancing
 Ongoing Monitoring Of Individual Investments
 Avoid Market Timing
Hiring An Advisor
 Objectivity
 Experience
 Fees6