ADVISORS, LLC .




Company Summary
About BlueChip Advisors

At BlueChip Advisors, LLC we define our role as advocates who work on behalf of individuals,
busi...
Our Services


                   Dentist/Physician Services & Business Owner Consulting

At BlueChip Advisors, we believe...
Business Succession Planning – An element of our BluePrints for Tomorrow program addresses
the planning and creating of a ...
Risks for individuals and families (Asset loss due to):
       • Estate and/or death taxes
       • Early or unexpected de...
BlueChip Financial Services

                                   Retirement Planning
We help you to make the most of your e...
Herd via mutual funds or large institutionally managed private accounts, the investor’s hold-
ings are attached to the sam...
Our Management Team
Rick Guetzkow
President




R      ick Guetzkow is President of BlueChip Advisors, LLC and has been a ...
Chris Guetzkow
Vice President




C      hris Guetzkow is Vice President of BlueChip Advisors, LLC. He is responsible to b...
Derek D. Villars, CLU
Advisor



                                                       D       erek D. Villars works as a...
Gregg Sainsbury, MBA, CFP ®
Financial Advisor



G        regg Sainsbury is responsible for
planning and implementing the ...
Stephen L. Cole, CLU, ChFC, CSA
Advisor




                                                          S      tephen L. Col...
© BlueChip Advisors, LLC 2009
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BlueChip Advisors LLC Company Description Summary

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BlueChip Advisors LLC Company Description Summary

  1. 1. ADVISORS, LLC . Company Summary
  2. 2. About BlueChip Advisors At BlueChip Advisors, LLC we define our role as advocates who work on behalf of individuals, business owners and their families to provide highly specialized financial and advisory services. Our goal is to help you protect what you have worked so hard to create, increase your finan- cial potential and to assist you in maximizing your retirement or early retirement opportuni- ties. Started in 1993, BlueChip Advisors, LLC was developed in order to create a high end, compre- hensive and highly specialized financial and advisory services company. Growing rapidly by referral only, BlueChip Advisors quickly began catering to business owners and high net worth clients. By 1995 a team of top advisors was formed and the accolades began rolling in. BlueChip Advisors has won multiple Top Advisor Awards, including the Top Gun Award in 2005. Our advisors are proud of the standards of excellence that have been the cornerstone of their business since its start. Today, BlueChip Advisors continues to grow, with a team full of the best advisors in the busi- ness and a growing list of highly specialized services available to the public. Thank you in advance for your interest in our unique proprietary programs.
  3. 3. Our Services Dentist/Physician Services & Business Owner Consulting At BlueChip Advisors, we believe if you are an owner of a Dental or Medical practice you have specific needs. As with most business owners you may spend more time working in your busi- ness than on your business. For this reason, we created a unique program called BluePrints for Tomorrow to address busi- ness issues by bringing together the combined experience of distinguished tax, legal, insurance and financial professionals with institutional experience. Our goal with this program is to help you protect what you have worked so hard to create, in- crease the financial potential of your business and to assist you in maximizing your retirement or early retirement opportunities. Our Services include but are not limited to: Practice Management Design of unique Asset Protection programs Practice Transition / Succession Utilizing your business to increase personal wealth Key Employee compensation To learn more, please call our office to arrange a no-obligation consultation Estate/Legacy Planning BlueChip Advisors provides you with comprehensive assistance to plan your legacy. Working with your estate planning team (CPA, Attorney), we advise on the following: Legal Documents - BlueChip Advisors can assist you with a recommendation of a qualified at- torney for the preparation of the necessary legal documents including power of attorney, wills and trusts. Liquidity Options – BlueChip Advisors will assist you in preparing the most efficient method for planning your estate. Our consulting services utilize methods that may include, but are not limited to: Second-to-Die life insurance, Irrevocable Life Insurance Trusts (ILIT) and Capital As- set Transfers. Tax Efficiency – BlueChip Advisors considers current and future tax law and its effect on your estate.
  4. 4. Business Succession Planning – An element of our BluePrints for Tomorrow program addresses the planning and creating of a tax efficient plan to transfer your business interests to the next generation or new ownership. In most cases, the lack of planning for your business succession can be very costly. Charitable Planning Over the past 10 years, BlueChip Advisors, LLC has been working to develop programs for non- profits, ministries and other charities to raise funds for short-term cash needs as well as en- dowment programs for long-term financial stability. The result is our “Give Without Limits” Program. At BlueChip Advisors, we define our role as advocates on behalf of charities and the families that support them. Our unique program addresses charitable planning issues by bringing to- gether the combined experience of distinguished tax, legal, insurance and financial profession- als with institutional expertise. Our services include: •Strategic Gift Planning & Consulting •Donor Advised Funds •Wealth Replacement Trusts •Endowment Programs •Fundraising Our goal, through our Give Without Limits Program, is to increase awareness of charities and their donor base about the opportunities that exist in the charitable giving arena as well as to provide them with the resources necessary to facilitate these sophisticated transactions. Risk Management Risk management is a prioritization process whereby your risks with the greatest loss potential and the greatest probability of occurring are handled first. Risks with lower probability of oc- currence and less potential loss are handled in descending order. We understand that balanc- ing probability and risk can often be difficult and mishandled. Furthermore, you face the difficulty of allocating resources. Risk management incurs an oppor- tunity cost. Resources spent on risk management could have been spent on more profitable activities. Therefore, we help you minimize spending while maximizing the reduction of the negative effects of risk.
  5. 5. Risks for individuals and families (Asset loss due to): • Estate and/or death taxes • Early or unexpected death (lost income, illiquid assets) • Inability to work due to disability • Need for home health care, stay in assisted living, or nursing home expenses • Market risk • Longevity – outliving your income/assets • Cost of health care • Legal liability • Fire, flood, accidents, theft, vandalism Risk Management: • Insurance • Titling • Trusts • Incorporation • Planning Investment Management Throughout history, every marketplace has been unique. Therefore it is imperative that you separate yourself from “The Herd” – those investors who make decisions in an emotional state of mind with a short time horizon and a short fuse. Our unique, proprietary investment systems separate you from The Herd. Our Triple Discipline Investment System™ utilizes a fundamental approach that removes hu- man emotion from the investment process. For retirees, our system allows you to significantly reduce the number of equity shares sold to produce retirement cash flow. As a result, we add to the long-term growth potential of your portfolio. We seek to maximize the amount of income you can draw without diminishing prin- cipal. Visit our investment management website: http://www.bluechip-financial.com
  6. 6. BlueChip Financial Services Retirement Planning We help you to make the most of your employer-sponsored retirement plans and IRAs by de- termining how much you need to retire comfortably and manage your assets before and dur- ing retirement. Tax Management BlueChip Financial makes sure that you don’t pay a penny more than the law requires. We look for ways to help reduce your current and future tax burden and can refer you to qualified tax specialists. Estate Planning We will review your wills and trusts for you, helping to preserve your estate for your intended heirs. BlueChip Financial can help you with beneficiary designations, reducing exposure to es- tate taxes and probate costs as well as coordinating with your tax and legal advisors. Risk Management BlueChip Financial will review your existing insurance policies, recommending policy changes when appropriate and finding the best policy for your situation. Education Funding We will recommend investment and accumulation strategies to help you pay for your chil- dren’s education. Investment Planning BlueChip Financial will determine your asset allocation needs, help you understand your risk tolerance and recommend the appropriate investment vehicles to help you reach and exceed your goals. Employee and Executive Benefits BlueChip Financial will help your business attract and retain qualified employees through benefit packages. BlueChip Financial’s Unique System: The Herd represents approximately 85% of investors – investors who make decisions in an emotional state of mind with a short time horizon and a short fuse. They buy and sell based on greed and fear. When a stock goes up, they buy high. When a position begins to decline, they ride it down and often sell low. If the assets of the long-term investor are mingled with the
  7. 7. Herd via mutual funds or large institutionally managed private accounts, the investor’s hold- ings are attached to the same emotional roller coaster. We have spent over two decades developing a proprietary patent pending investment man- agement system that totally removes human emotion from decision making, thereby separat- ing our clients from the Herd. It is based on three key disciplines which we use to our clients’ advantage. The Triple Discipline Investment System™ Holding Periods The first discipline is Holding Periods. The equity markets for any given asset class make a full up-and-down cycle every five years. That means an investor should remain in an asset class for a full five year cycle in order to achieve its highest high or recover from its lowest low. How- ever, most of the Herd operates with a much shorter holding period, causing performance to be driven by short-term, emotional decision makers. Therefore, we ask that any investor who joins our system remain committed to a five-year holding period. Inverse Correlation Inverse correlation simply means that in any given market cycle, not all asset classes behave the same. Oftentimes they rise and fall inversely to one another. Therefore, we try to maxi- mize inverse correlation when integrating asset classes into each portfolio, thereby reducing the volatility of the portfolio without sacrificing growth. Rebalancing Most firms and asset allocation portfolios offer rebalancing, either monthly, quarterly or annu- ally. This pre-set rebalancing returns your portfolio to its originally intended allocation regard- less of the market. Our system uses pre-determined trigger points based on historical average discrepancies between the various asset classes, enabling us to take advantage of opportune buy/sell cycles in the market. The combination of these three disciplines, and removing human emotion from the invest- ment process, allows Discipline Advisors to add value to managing your investments. This same disciplined approach makes it possible to manage accounts during the wealth accumula- tion stage as well as the income withdrawal phase of the portfolio. By allowing us to signifi- cantly and strategically reduce the number of shares sold to produce retirement cash-flows, our system adds to the long-term growth potential of your portfolio, maximizing the amount of income you can withdraw without diminishing principal.
  8. 8. Our Management Team Rick Guetzkow President R ick Guetzkow is President of BlueChip Advisors, LLC and has been a consultant for over 18 years, helping companies and professionals to develop long-term, sustainable strategies in the areas of business planning, employee benefits, communication and enrollment. Rick started his career in 1991, fresh out of college, at John Hancock where he worked as a personal advisor. Within two years, Rick discovered his passion in working with businesses and business owners. Thus, in 1993, Rick developed BlueChip Advisors, LLC. Rick started BlueChip Advisors in order to create a high end, comprehensive and highly specialized finan- cial and advisory services company. As a part of this new business venture, Rick designed and implemented BluePrints for Tomor- row for business owners. BluePrints for Tomorrow is a step by step process for succession planning, helping clients to protect what they have worked so hard to create. Additionally, Rick developed and created a successful charitable gift program, Give Without Limits, working with non-profits and charities to create endowments and funds as well as to help raise additional funds. This unique program addresses charitable planning issues by bringing together the combined experience of distinguished tax, legal, insurance and financial professionals with institutional expertise. Rick believes that business owners spend more time working in their business, than on their business. Through the successful programs he has created and the expert team he has assem- bled at BlueChip Advisors, Rick is helping business owners to successfully grow, keep and leave their money.
  9. 9. Chris Guetzkow Vice President C hris Guetzkow is Vice President of BlueChip Advisors, LLC. He is responsible to business development and operations, including the creation of partnerships, products and services. Chris joined BlueChip Advisors right out of school in 1996. While helping Rick to build the busi- ness, Chris used his broad knowledge base of insurance and investments to help grow and de- velop the wide range of services that make BlueChip Advisors so unique. As Vice President, Chris is a “jack of all trades,” overseeing the day to day operations at BlueChip Advisors as well as taking charge of systems, marketing, business development and business partnerships. In keeping with BlueChip’s mission to act as advocates who work on behalf of their clients by providing specialized financial and advisory services, Chris is con- stantly finding new and innovative ways to build business relationships and increase the ser- vices available to clients and business partners.
  10. 10. Derek D. Villars, CLU Advisor D erek D. Villars works as a consult- ant to both clients and other professional advisors. He works with a client’s existing advisors to help clients both properly hold and manage their assets for the most ef- fective eventual distribution of those as- sets to themselves or others. This is done through careful analysis of the tax code and manipulation of the available vehicles for accumulating, preserving and distrib- uting wealth. Derek focuses on “outside the box” strategies and programs which provide the key elements of: security, risk mitigation, liquidity, positive leverage or arbitrage and after-tax and after-fee re- turn on investment. Derek received his Bachelor of Arts in Speech Communication and Management from St. Cloud State University, then went on to receive his CLU® (Insurance Specialty) and his CASL® (Senior Retirement Coaching) from The American College. Prior to his position at BlueChip Advisors, Derek worked as an Equity Strategist for a local finan- cial firm and served as a Management Team Member as well. Here he specialized in two areas of individual financial strategy: maximizing return-on and safety-of real estate equity, and creat- ing and managing private (non-qualified) retirement plans. Derek was also a Financial Represen- tative for Northwestern Mutual where he worked to help individuals and small companies achieve greater financial security and growth through traditional financial strategies, vehicles and products. Derek specializes in personal wealth enhancement through market loss mitigation, real estate equity management and preservation, private (non-qualified) retirement planning, personal fi- nancial leverage strategies and asset protection planning. Additionally, Derek works with busi- ness owners to create financial “BluePrints” for their businesses and with non profit organiza- tions to map out charitable giving techniques and strategies, non-profit leveraged funding and endowment creation.
  11. 11. Gregg Sainsbury, MBA, CFP ® Financial Advisor G regg Sainsbury is responsible for planning and implementing the invest- ment strategies for our firm. He is pas- sionate about studying the markets and exploring unique investment strategies for his clients. After graduating with honors from Gusta- vus Adolphus College with a degree in fi- nance, Gregg received his Master of Busi- ness Administration degree from the Uni- versity of St. Thomas. He is also a Certified Financial Planner (CFP®) with 13 years of investment experience. His back- ground is in investment management with an emphasis on risk management, minimizing risk while maximizing return. Before he began with BlueChip Advisors, Gregg was the Director of Investment at a large local firm, managing over $100 million of client assets. Gregg specializes in income distribution planning for retired individuals, business entities and charitable foundations as well as Social Security planning and analysis. Additionally, Gregg is an expert in the taxation aspect of asset management and financial planning. In addition to being an expert financial advisor for BlueChip Advisors, Gregg teaches continuing education to financial professionals as an instructor at Kaplan Professional Schools. He is also a Registered Securities Representative (Series 7, 65 and 63) in addition to being a licensed repre- sentative for Life and Health Insurance. Are you worried about your investments in this financial crisis? Come in and talk to Gregg.
  12. 12. Stephen L. Cole, CLU, ChFC, CSA Advisor S tephen L. Cole is a nationally recognized expert in Financial Plan- ning who specializes in non-risk in- vestments and legitimate tax advan- tages. His planning style involves a heavy emphasis on teaching clients how to make informed, timely deci- sions that lead to a more comfortable lifestyle. Not only did Stephen receive a Masters Degree in Social Work, but he is also a Chartered Fi- nancial Consultant, a Chartered Life Underwriter and a Certified Senior Advisor. Stephen started his own practice in 1965 and has since had a very successful career in the Financial Planning industry, including his current work with BlueChip Advisors. Stephen is frequently invited to speak to consumer and financial groups alike to teach peo- ple of all ages about his “unique” approach to safely increasing retirement income. Stephen specializes in money management approaches that emphasize a “sleep well at night” atmos- phere. In additional to having helped to start the Financial Planning industry in the 1960’s, Stephen is a past President of the International Association of Financial Planners - Twin Cities Chapter and a past President of the Minneapolis Life Underwriters Association. Stephen has also taught graduate classes focusing on Annuities, IRAs, Long-Term Care, Life Insurance and ways to increase returns on conservative investments such as CDs.
  13. 13. © BlueChip Advisors, LLC 2009

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