Oxford\'s Services 2011

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Oxford\'s Services 2011

  1. 1. 44 COOK ST SUITE 100, DENVER, CO 80206 Oxford Financial Designs, Inc. Registered Investment Advisor A Financial Planning Introduction from Phone 303-524-3068 Fax 720-887-2873 [email_address]
  2. 2. Business Statement <ul><li>Our business is providing high quality, innovative and personalized financial management services that help you achieve a high level of comfort with your financial affairs. </li></ul><ul><li>We are committed to providing you with thoughtful, expert guidance and personalized service to enable you to establish and maintain control over your financial life.” </li></ul>
  3. 3. Benefits of Financial Management <ul><li>Help organize and coordinate financial affairs </li></ul><ul><li>Determine the sufficiency of assets to provide your desired retirement income </li></ul><ul><li>Improve the quality, safety, and return on your investment portfolio </li></ul><ul><li>Provide an equitable and well thought out plan for your family </li></ul><ul><li>Help you minimize income and estate taxes </li></ul><ul><li>Integrate business and family affairs </li></ul><ul><li>Increase peace of mind and confidence in lifestyle choices </li></ul>
  4. 4. Oxford Financial Management Services <ul><li>Risk Management </li></ul><ul><li>Asset and Investment Management Services </li></ul><ul><li>Retirement Planning </li></ul><ul><li>Estate Tax Planning </li></ul><ul><li>Wealth Transfer Planning </li></ul><ul><li>Charitable Planning </li></ul><ul><li>Business Transfer Planning </li></ul>
  5. 5. The Oxford Team <ul><li>Joe Utter, President </li></ul><ul><li>Interacts with prospective new clients to introduce them to the Oxford planning process. Joe joined the firm in March 2008 and is being groomed as successor owner </li></ul><ul><li>Charles A Utter, Founder </li></ul><ul><li>Functions primarily as a consultant to the firm. He oversees the planning process to ensure that everyone receives outstanding service. He has 34 years of experience in the Financial and Estate Planning field. </li></ul><ul><li>Qualified Outside Experts </li></ul><ul><li>When deemed necessary by the contingencies of your plan, we will recommend qualified outside experts in the legal and accounting fields who are carefully selected to meet your standards. </li></ul>
  6. 6. Ongoing Planning Process Changes in income, or work status, asset values, tax laws, family situation Needs analysis, retirement cash flow projections, estimate estate settlement costs Strategies to help you meet your goals and objectives In-depth discussion of financial situation, survivor needs, retirement needs, estate planning concerns, goals and expectations Planning Recommendations Profile Analysis & Projections Plan Review
  7. 7. The Oxford Investing Philosophy For many people, investing in the financial markets is both complex and intimidating. Investors are often disappointed because their investments fail to achieve desired results. Our approach to investing is based on identifying your needs before any investment decisions are made. This process begins by defining your financial goals. It then considers what level of risk is comfortable for you, and the time frames for meeting those goals. If goals, risk tolerance and time frames are established at the start of an investment program, the likelihood that your investing will help you work toward your goals is greatly enhanced. Today, people are seeking easier, smarter ways to build their assets and achieve their financial dreams. We are committed to providing planning-based financial services to help you reach your objectives.
  8. 8. The Oxford Investing Philosophy <ul><li>Our Planning Based Approach Will Help You: </li></ul><ul><li>Organize your finances and assets </li></ul><ul><li>Determine your financial objectives and risk tolerance </li></ul><ul><li>Reduce investment risk by developing an asset allocation strategy </li></ul><ul><li>Make smarter financial decisions by reviewing your plan frequently </li></ul>
  9. 9. Ongoing Investment Process Performance is reviewed to determine consistency and suitability within the specific models. Selection of securities and/or third party money managers to coordinate with your asset allocation strategy. Selection of appropriate distribution of assets based on your objectives. In-depth discussion of financial situation, time frame, risk tolerance, goals and expectations. Investment Selection Profile Allocation of Assets Portfolio Review
  10. 10. Commitment Statement <ul><li>Our Commitment to You: </li></ul><ul><li>“… is to provide a highly personalized Financial Planning and Money Management Service that incorporates accurate financial information to help you effectively implement your plan and reach your goals. We will aim to establish a long-lasting relationship with you by maintaining the highest standards of quality and professionalism.” </li></ul>
  11. 11. Your Commitment <ul><li>Full disclosure of all pertinent financial information </li></ul><ul><li>Follow through on all agreed to recommendations </li></ul><ul><li>Notification of life events that impact your plan </li></ul><ul><li>Patience and understanding when markets fluctuate </li></ul><ul><li>Discipline to stay with your plan </li></ul><ul><li>To remain invested for the long-term </li></ul><ul><li>Referrals for continued mutual prosperity </li></ul>
  12. 12. Planning Fees <ul><li>Hourly charge based on estimated time commitment </li></ul><ul><li>Fixed at time fee agreement is signed </li></ul><ul><li>One-third down, balance paid on plan completion </li></ul><ul><li>Balance payable reduced by commissions or fees earned as a result of implementation </li></ul>
  13. 13. Your Financial Journey <ul><li>“ Planning is a journey with now as your starting point, and your dreams and goals as the final destination.” </li></ul><ul><li>As your advisor, I pledge to be with you the entire way; keeping your interests first, making sure that your plan is always up to date, and that you are always properly invested relative to your goals. </li></ul>

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