Ram Advisory Advantage

747 views

Published on

Expanded business card detailing Russell Advisory & Management (RAM). Includes detailed information of our four-step process as well as how we coordinate with a client\'s accountant and attorney with the implementation and management of a financial and estate plan.

Published in: Economy & Finance, Business
0 Comments
0 Likes
Statistics
Notes
  • Be the first to comment

  • Be the first to like this

No Downloads
Views
Total views
747
On SlideShare
0
From Embeds
0
Number of Embeds
3
Actions
Shares
0
Downloads
14
Comments
0
Likes
0
Embeds 0
No embeds

No notes for slide

Ram Advisory Advantage

  1. 1. Russell Advisory & Management (RAM) of Raymond James & Associates A Wealth Solutions Practice - Serving as a Central Point of Contact to a Select Group of Business Owners, Professionals and Retirees _________________________________________________________________________________________ Russ A. Johnson, WMS, AAMS First Vice President, Investments Trust Specialist Retirement Plan Consultant 561-997-9100 / 800-327-1055 E-mail: Russ.Johnson@RaymondJames.com 6/10/2010 1 www.ramadvisory.com
  2. 2. Overview Russell Advisory & Management (RAM) Our Mission To help our clients achieve their own unique goals by managing their assets, protecting their wealth and building their financial legacies. Our Approach We serve our clients with a consultative, team-based approach that examines all aspects of their financial lives. We put our clients’ interests above our own or those of our firm. Our Objective To educate our clients and increase their comfort and satisfaction by demonstrating our expertise and providing success in reaching their objectives. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 2 of Contact to a Select Group of Business Owners, Professionals and Retirees
  3. 3. Commitment to Our Clients The RAM Advisory Advantage We make these commitments to our clients: Confidentiality A Sophisticated Planning and Design Process A Disciplined Investment Process Russell Advisory & Management (RAM) of Raymond James & Associates Objective Recommendations Regular and Effective Communication Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 3 of Contact to a Select Group of Business Owners, Professionals and Retirees
  4. 4. Our Client Advisory Process Russell Advisory & Management (RAM) Our practice employs a disciplined process to craft solutions to meet the needs of our clients. Individuals and families typically go through three very distinct stages over the course of life; accumulation, distribution and transfer. As they Discover move through life, their goals, objectives, and risk tolerances change accordingly. As professionals, it is our job to enable you to make informed financial decisions using the full Manage Design complement of resources at our disposal. Our process provides a framework for making decisions collaboratively and monitoring the outcome of those Implement decisions over time. Each step involves interaction between you, our team, and your outside professionals. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 4 of Contact to a Select Group of Business Owners, Professionals and Retirees
  5. 5. Our Client Advisory Process Russell Advisory & Management (RAM) This process is a Discover We use a variety of tools including questionnaires and interviews to understand dynamic, team- your personal goals, current financial situation, investment experience and risk based endeavor. tolerance. In this step, we make you fully aware of our capabilities and provide educational support to assist our clients in understanding the scope of services we To be most offer to help you meet your objectives. effective it should include the client, Design Our team analyzes the information you share with us and designs solutions relevant members intended to help you reach your objectives. This step may involve collaboration of his or her family, with other specialists or your existing professionals. We present our recommendations to you, answer your questions, consider alternatives and outline our team, select the steps we need to take to implement your plan. Raymond James specialists and Implement In this step, we execute your customized strategy using the extensive tools outside available to us through Raymond James. This involves the selection of specific professionals account types, investment products and optional services; we then complete the necessary paperwork in a coordinated approach. where appropriate. Manage Once implemented, we continually monitor the progress of our recommendations relative to your defined objectives and suggest changes where needed. A key to this step is your involvement in the process and communication of any significant changes in your life. We accomplish this by providing ongoing reporting of your account activity and by conducting periodic reviews. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 5 of Contact to a Select Group of Business Owners, Professionals and Retirees
  6. 6. OVERVIEW The RAM Advisory Advantage Extensive Resources to Help Meet Our Clients’ Objectives Client and Family Attorney Tax Professional RAM Advisory Wealth Management Financial Planning Investment Planning Raymond James Resources and Specialists Trust Services Business Solutions Retirement Plan Consulting Advisory Solutions Legacy Planning Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 6 of Contact to a Select Group of Business Owners, Professionals and Retirees
  7. 7. ADVISORY SOLUTIONS Overview Raymond James is a firm that was founded on the principles of financial planning. While our investment resources are extensive, our Discover Client Advisory Process extends beyond the management of portfolios. It encompasses our clients’ lifetime financial needs. Our team has access to a variety of Manage Design specialists employed by Raymond James that provide meaningful insight into our process. Planning for Retirement Protecting Your Wealth Implement Building Your Legacy Wealth Management Solutions Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 7 of Contact to a Select Group of Business Owners, Professionals and Retirees
  8. 8. A Level of Service Tailored to Our Clients’ Needs – RAM Advisory Objective Comprehensive Wealth Management Scalable Consistent • • Conservation of Wealth Gifting • Trust Integration • Charitable Giving Tax Strategies • Executive Compensation – Deferred Compensation – Stock Options – Concentrated Equity Positions • Business Planning Financial Planning • Retirement Needs • Retirement Needs • Distribution Strategies • Distribution Strategies • Education Funding Strategies • Education Funding Strategies • Survivor Needs • Survivor Needs • Disability Coverage • Disability Coverage • Long-Term Care • Long-Term Care Core Investment • Estate Planning • Estate Planning Management • Goals and Objectives • Goals and Objectives • Goals and Objectives • Net-Worth Analysis • Net-Worth Analysis • Net-Worth Analysis • Cash-Flow Analysis • Cash-Flow Analysis • Cash-Flow Analysis • Asset Allocation • Asset Allocation • Asset Allocation • Portfolio Performance • Portfolio Performance • Portfolio Performance Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point of Contact to a Select Group of Business Owners, Professionals and Retirees
  9. 9. ADVISORY SOLUTIONS Retirement Planning Retirees Face Numerous Risks Withdrawals Longevity What rate is sustainable? Long retirement horizons – a Sequencing by tax bucket couple aged 65 has 25% Managing RMDs chance of a survivor living to age 96 Retiree Spending Solvency Replacement ratio Pension plans and retiree benefits – a thing of the Essential versus lifestyle past expenses Retirement Social Security and Medical expenses Income Medicare Market Volatility Savings Uncertain returns and Underfunded defined income contribution accounts Impact of point in Most Americans have an time enormous savings gap. Inflation Asset allocation and location Erodes the value of savings and reduces returns Healthcare inflation 6%+ Past performance is no guarantee of future results. An investment cannot be made directly in an index. This art is for illustrative purposes only and not indicative of any investment. Source: Created by Raymond James using Ibbotson Presentation Materials ©2008 Morningstar, Inc. All rights reserved. Used with permission. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 9 of Contact to a Select Group of Business Owners, Professionals and Retirees
  10. 10. ADVISORY SOLUTIONS Retirement Planning Some Key Questions We Can Help You Resolve Do I have enough assets to retire? How much income will I need in retirement? Am I saving enough today? Is my portfolio set up to address longevity risk? How can I most efficiently withdraw assets from my IRAs and qualified plans? Am I taking enough risk in my portfolio given the effects of inflation? Should I leave my retirement plan at my employer or roll it over to an IRA? 6/10/2010 Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 10 of Contact to a Select Group of Business Owners, Professionals and Retirees
  11. 11. ADVISORY SOLUTIONS Wealth Management Solutions Some Key Questions We Can Help You Resolve What pre-event tax strategies can I utilize to minimize or defer taxes? What estate/gifting strategies should I implement before a wealth event? How do I maximize the amount of assets I leave to my estate? What charitable strategies make the most sense? Am I properly protected from creditors and liability? How do I properly diversify or protect concentrated positions of stock? How do I create liquidity if my wealth is private company ownership? Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 11 of Contact to a Select Group of Business Owners, Professionals and Retirees
  12. 12. ADVISORY SOLUTIONS Protecting Your Wealth While there is no perfect solution to protecting your wealth from all outside Tax Efficient Investing Taxes are one consideration in our investment process. For taxable forces, acknowledging the accounts, it is important that we consider your personal tax situation, the following risks and tax impact of specific transactions and the after-tax efficiency of considering planning investment selections. alternatives are in your best interests. Concentrated Equity Solutions For many investors, wealth comes in the form of concentrated shares in a single company. We can utilize techniques to help address the significant Poor investment decisions risk in a concentrated portfolio using hedging, monetization, diversification and charitable strategies. Inflation Insurance Strategies Overconcentration Through Raymond James’ wholly owned subsidiary, Planning Taxes Corporation of America, we can offer a variety of insurance strategies to help clients manage risk, including: Creditors Life Insurance Long-term Care Insurance Legal action against you Disability Insurance Uncontrolled spending Excessive borrowing We do not provide legal or tax advice. Consult your legal or tax professional. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 12 of Contact to a Select Group of Business Owners, Professionals and Retirees
  13. 13. ADVISORY SOLUTIONS Protecting Your Wealth Some Key Questions We Can Help You Resolve How do I minimize current and future income taxes? What are the “right” portfolio strategies for my needs and risk level? Am I properly protected from creditors and liability? How do I properly diversify or protect large concentrated positions of stock? How do I ensure that I am protected from catastrophic health care expenses? How do I ensure that my heirs do not outspend my legacy? Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 13 of Contact to a Select Group of Business Owners, Professionals and Retirees
  14. 14. ADVISORY SOLUTIONS Building Your Legacy For many, one of the most rewarding aspects of wealth is sharing it with others. Whether your desire is to create a multigenerational wealth preservation and transition plan for your family, provide funding to a charitable entity, or provide for a family member’s higher education, we have access to a variety of tools to help address your legacy and wealth transfer concerns. Trust and Estate Charitable Education Planning Strategies Strategies Funding We can provide estate planning While many individuals give to For many, Section 529 college analysis. With the resources of charity, few take the time to create a savings plans are an attractive way Raymond James Trust well-designed charitable strategy to fund a family member’s higher Company, N.A. at our disposal, that considers personal tax benefits education. In addition to tax favored we can assist clients in the trust and control over your investments. accumulation and withdrawal, you planning process and leverage We can assist with strategies such can maintain control over the assets the expertise of as: in a 529 plan and change the a professional fiduciary. Charitable Remainder Trusts beneficiary over time. Charitable Lead Trusts Pooled Income Funds Others may consider the Coverdell Charitable Gift Annuities ESA especially when funding for primary or secondary education Donor Advised Funds expenses. Private Family Foundations Investors should carefully consider the investment objectives, risks, charges and expenses associated with 529 college savings plans before investing. More information about 529 college savings plans is available in the issuer’s official statement, and should be read carefully before investing. Favorable state tax treatment for investing in Section 529 college savings plans may be limited to investments made in plans offered by your home state. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 14 of Contact to a Select Group of Business Owners, Professionals and Retirees
  15. 15. ADVISORY SOLUTIONS Building Your Legacy Some Key Questions We Can Help You Resolve How do I maximize the amount of assets I leave to my estate? What strategies will ensure that my heirs do not outspend my legacy? How do I maximize charitable gifts without impacting liquidity? Are there charitable strategies that also generate annual income? How do I ensure that my heirs continue my philanthropy? Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 15 of Contact to a Select Group of Business Owners, Professionals and Retirees
  16. 16. OVERVIEW The Raymond James Advantage Raymond James: A Firm Focused on the Individual Investor Raymond James was founded by Robert A. James in 1962 to 2009 Total Revenue serve individual investors by examining all aspects of their financial needs while providing sound investment guidance. That tradition lives on today through the financial advisors of 10% our Private Client Group. 7% Similarly, our corporate culture has always been – and continues to be – grounded in conservative management, high ethical standards, measured growth and a commitment to superior client service. 21% That focus has enabled the company to avoid many of the 62% problems that have plagued – and continue to plague – many other financial services companies. Florida-based Raymond James (NYSE: RJF) is a publicly traded, diversified holding company providing financial Private Client Group services to individuals, corporations and municipalities Equity & Fixed Income Capital Markets through its subsidiary companies in the United States, Asset Management Group Canada and overseas. Raymond James Bank In an era of industry turmoil, economic turbulence and extreme market volatility, Raymond James has stayed true to its original mission of serving each client with individualized high-quality solutions. 6/10/2010 Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 16 of Contact to a Select Group of Business Owners, Professionals and Retirees
  17. 17. The Raymond James Advantage Russell Advisory & Management (RAM) Why Raymond James? The Firm Has an Individual Client Focus: Raymond James is a firm with its roots in the business of providing financial guidance and planning to individual investors and families. This remains the Raymond James’ culture firm’s primary business today. Raymond James has been a leader in and extensive resources the industry with client-focused decision-making since the enable us to serve our company’s founding in 1962. clients effectively with Full Resources of a Large, Multinational Financial Services Firm: their best interests as our Raymond James is one of the largest financial services firms in the top priority. United States, with the scale and resources to support a wide array of products and services. With more than 10,000 employees worldwide and revenues of $3.11 billion in 2007, the company’s business includes investments brokerage, professional asset management, insurance solutions, trust services, investment banking, and private and commercial banking. Raymond James was the A Culture of Independence and Objectivity: As financial advisors, we first financial services firm are given flexibility and independence to serve our clients without a to create a Client Bill of corporate “push” of proprietary products. We have access to one of Rights and Responsibilities the widest platforms of product choices or account types in our industry with access to over 10,000 mutual funds, 100 money in 1994. Today, our managers and 30 insurance carriers. industry has recognized this document as a best practice Consistent Leadership and Independence: Chairman and CEO Tom and many firms have James has fostered a culture of consistent leadership and independent thinking that enables firm employees and financial followed its example. advisors to act in the best interests of clients and be innovative in our solutions to meet their needs. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 17 of Contact to a Select Group of Business Owners, Professionals and Retirees
  18. 18. Biography Russell Johnson, WMS First Vice President, Investments Retirement Plan Consultant Trust Specialist Russ Johnson has been helping clients plan financially since 1992. Russ is a licensed financial advisor whose base of knowledge is centered in the areas of financial planning. Professional designations held by Mr. Johnson include Wealth Management Specialist (WMS), Accredited Asset Management Specialist (AAMS), Certificate from the American Society of Pension Professionals and Actuaries (ASPPA), Chartered Mutual Fund Counselor (CMFC), and B.S. from Kansas State University. Additionally, Russ has successfully completed the Raymond James Institute of Finance courses: Financial Planner Series for Business Owners, Financial Planner Series for Individuals and the Raymond James Advanced Trust Institute. Licenses held include Series 7, 8, 24, 63, 65, annuity, life and health insurance. Having lived primarily in Kansas City and Chicago through his formative years, Russ brings a strong foundation of values to his financial planning practice and the community. Russ’ community involvement includes serving as a Director for the Special Needs Children’s Ministry of Ascension Catholic Church in Boca Raton, FL, serves on the board of Elder Quality of Life of Palm Beach, is an active member with the Palm Beach School for Autism, and is a former Instructor with the State of Kansas Department of Wildlife and Parks , all Not-for-Profit Organizations. Russ’ business experience includes having served as First Vice President of Investments with Janney Montgomery Scott LLC and as Assistant Branch Manager with JWGenesis Securities, now part of Wells Fargo Securities. Russ, and his wife Anamaria, live in south Florida with their three children. Russ Johnson, WMS 6/10/2010 Raymond James & Associates – Boca Raton, FL 18 1-800-327-1055 or russ.johnson@raymondjames.com www.ramadvisory.com
  19. 19. Russell Johnson – Personal Background Education • American Society of Pension Professionals and Actuaries (ASPPA) – 2008 - Certificate • Kaplan University – 2006 - Wealth Management Specialist • College for Financial Planning – 1998 – Accredited Asset Management Specialist • College for Financial Planning – 1997 – Chartered Mutual Fund Counselor • Kansas State University – 1992 - Bachelor’s of Science • Licenses held – Series 7, 8, 24, 63, 65, Life, Health & Annuity • Raymond James Institute of Finance – Internal Designations: – Retirement Plan Consultant -Financial Planning Series for Business Owners – Financial Planning Series for Individuals -Advanced Trust Institute: Trust Specialist Experience • 2005-Present – Raymond James & Associates – First Vice President, Investments • 2000-2005 – Janney Montgomery Scott LLC, First Vice President , Investments – Insurance, Annuity and Mutual Fund Co-Coordinator • 1994-2000 - JWGenesis Securities/CSG - Vice President of Investments - Assistant Manager • 1992-1994 – Hibbard Brown, Inc. – Private Client Consultant Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point of 6/10/2010 19 Contact to a Select Group of Business Owners, Professionals and Retirees
  20. 20. The Raymond James Advantage Russell Advisory & Management (RAM) Account Protection Assets held within a Raymond James account are protected in three ways. The financial strength of Raymond James. Raymond James & Associates is a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $100,000 for claims for cash). An explanatory brochure is available upon request, at sipc.org or by calling 202-371-8300. Raymond James has purchased excess SIPC coverage through various syndicates of Lloyd’s, a London-based firm. Excess SIPC is fully protected by the Lloyd’s trust funds and Lloyd’s Central Fund. The additional protection currently provided has an aggregate firm limit of $750 million, including a sub- limit of $1.9 million per customer for cash above basic SIPC for the wrongful abstraction of customer funds. Account protection applies when a SIPC- member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against market fluctuations. Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point 6/10/2010 20 of Contact to a Select Group of Business Owners, Professionals and Retirees
  21. 21. Russell Advisory & Management (RAM) Contact Information: Russell Johnson, WMS First Vice President, Investments Retirement Plan Consultant Trust Specialist 561-997-9100 Toll-Free: 800-327-1055 russ.johnson@raymondjames.com Domenica Price Barbara Lincoln Registered Client Services Associate Client Services Associate (561) 981-3665 Toll-Free: 800-327-1055 Dottie Baccaro domenica.price@raymondjames.com Client Services Associate www.ramadvisory.com Russell Advisory & Management (RAM) of Raymond James & Associates – Serving as a Central Point of Contact 6/10/2010 21 to a Select Group of Business Owners, Professionals and Retirees

×