Four Corners Wmg


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Learn more about the services offered by Sean Suarez of Four Corners WMG of Raymond James & Associates.

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  • Four Corners Wmg

    1. 1. Individual Solutions from Independent Advisors
    2. 2. Agenda <ul><li>Raymond James Overview </li></ul><ul><li>Who is “ Four Corners ”? </li></ul><ul><li>Our “ Four Corners ” Process </li></ul><ul><li>Wealth Management Solutions </li></ul><ul><li>Additional Advisory Solutions </li></ul><ul><li>Account Features and Communications </li></ul>
    3. 3. Raymond James Financial (NYSE: RJF) <ul><ul><li>Member of the Fortune 1000; Ranked 11th among securities firms (2007) </li></ul></ul><ul><ul><li>More than 2,200 branch locations throughout the United States, Canada and overseas. </li></ul></ul><ul><ul><li>3,500 support associates located in corporate locations. </li></ul></ul><ul><ul><li>Total client assets are approximately $197 billion.* </li></ul></ul><ul><ul><li>Asset management subsidiaries manage in excess of $33.9 billion of financial assets for individuals, pension plans and municipalities.* </li></ul></ul><ul><li>*Numbers as of November 2008 </li></ul>
    4. 4. Raymond James Family Tradition <ul><li>Founded by Robert A. James in 1962 </li></ul><ul><li>His son, Thomas A. James Is Current Chairman and CEO of RJF </li></ul><ul><li>“ Best Managed Company in America,” as named by Forbes magazine (Diversified Financial Services Companies, 2005) </li></ul>
    5. 6. Four Corners Wealth Management Group Our Team Sean C. Suarez, WMS, Financial Advisor, Wealth Management Specialist Member of Institute of Investment Management Consulting Ann Whigham, Operations Manager Grace Katich, Sales Assistant
    6. 7. <ul><li>Sean C. Suarez, WMS </li></ul><ul><ul><ul><li>Wealth Management Specialist </li></ul></ul></ul><ul><ul><ul><li>Member of Institute of Investment Management Consulting </li></ul></ul></ul><ul><ul><ul><li>Chartered Advisor in Philanthropy ® </li></ul></ul></ul><ul><ul><ul><li>Investment Advisor Representative </li></ul></ul></ul><ul><ul><ul><li>Licenses - Series 7, 65, 31 </li></ul></ul></ul><ul><ul><ul><li>Insurance License multi-state (Life, Health & Variable annuity </li></ul></ul></ul><ul><ul><ul><li>Bachelor’s in Business & Economics from University of Florida </li></ul></ul></ul><ul><ul><ul><li>Over 6 years of industry experience </li></ul></ul></ul>BIO -
    7. 8. Our “Four Corners” Team You and Your Family Sean C. Suarez, Ann Whigham Grace Katich Home Office Wealth Management Team Investment Consulting Alternative Investment Specialist Life Insurance Specialists Fiduciary Trust Specialists Lending and Cash Management Specialist Local CPA Local Estate Attorney Long-Term Care Specialist Mutual Fund Research Team Concentrated Equity Specialist
    8. 9. Wealth Management Solutions <ul><li>Investment Capabilities </li></ul><ul><li>Asset Allocation Models </li></ul><ul><li>Mutual Funds / ETF’s </li></ul><ul><li>Alternative Investments </li></ul><ul><li>Structured Products </li></ul><ul><li>Private Money Management </li></ul><ul><li>Planning Disciplines </li></ul><ul><li>Retirement Planning </li></ul><ul><li>Insurance / Risk Management </li></ul><ul><li>Education Planning </li></ul><ul><li>Estate Planning Strategies </li></ul><ul><li>Small Business Services </li></ul><ul><li>Business Insurance Solutions </li></ul><ul><li>Retirement Plan Solutions </li></ul><ul><li>Succession Planning </li></ul><ul><li>Business Valuation Consulting </li></ul>
    9. 10. Our “Four Corners” Process 4. Manage 3. Implement 1. Discover 2. Design
    10. 11. 1. Discover <ul><li>Why are you here? </li></ul><ul><li>Gather Information </li></ul><ul><ul><li>Risk Tolerance </li></ul></ul><ul><ul><li>Time Horizon </li></ul></ul><ul><ul><li>Financial Goals </li></ul></ul><ul><li>Review Scope of Services </li></ul><ul><ul><li>Type of planning desired </li></ul></ul><ul><ul><li>Asset size </li></ul></ul><ul><ul><li>Fee Disclosure </li></ul></ul>
    11. 12. Discovery <ul><li>Fill out our </li></ul><ul><li>Profile survey </li></ul>
    12. 13. 2. Design <ul><li>Analyze and Evaluate – Wealth Forecast Plan </li></ul><ul><ul><li>Incorporate ‘Discovery’ info </li></ul></ul><ul><li>Collaborate with Professionals </li></ul><ul><li>Educate on Findings and Shortfalls </li></ul><ul><li>Prepare Recommendations </li></ul>
    13. 14. Sample Retirement Plan
    14. 15. 3. Implement <ul><li>Adopt Action Plan – Step by Step </li></ul><ul><li>Coordinate with Professionals </li></ul><ul><ul><li>Make sure everyone is on same page </li></ul></ul><ul><li>Confirm Recommendations </li></ul><ul><li>Employ Solutions </li></ul>
    15. 16. Sample Portfolio Implementation
    17. 18. 4. Monitor <ul><li>Monitor Progress of Plan </li></ul><ul><li>Manage Portfolio and Risk </li></ul><ul><li>Review and Revise </li></ul><ul><li>Periodic Communication </li></ul><ul><li>Ongoing Education </li></ul>
    18. 19. Monitor Plan & Portfolio Are they still in Alignment?
    19. 20. Wealth Management Solutions
    20. 21. BEHAVIORAL MANAGEMENT Provide DISCIPLINED Advice – Don’t let emotions dictate financial decisions “ Investors who cannot master their emotions are ill-suited to profit from the investment process.” – Benjamin Graham
    21. 22. Investor Returns vs. S&P 500 - Why the Distinction? There is no assurance that past trends will continue into the future. The effects of any updates released after the period shown are not reflected in this Data. Past performance does not guarantee future results. *Source: “Quantitative Analysis of Investor Behavior” Report, 2007 Update, Dalbar, Inc. Source: Callan Associates. Data as of 12/31/07
    22. 23. Cycle of Market Emotions Fear Desperation Panic Capitulation Despondency Depression Hope Relief Optimism Optimism Excitement Thrill Euphoria Anxiety Denial
    23. 24. Individual Investor Behavior As of 12/31/02 ($ billions). Source: Investment Company Institute. There is no assurance that past trends will continue into the future. Net Flows by Broad Investment Categories at Major Inflection Points in the Market 2000 2002 Stocks Stocks Bonds Bonds Investors have historically added funds to asset classes that have performed well recently, often as those asset classes are taking a turn for the worse.
    24. 25. Asset Class - Winners and Losers This art is for illustrative purposes only and not indicative of any investment. • An investment cannot be made directly in an index.Past performance is no guarantee of future results. March 1, 2006 • Source: Created by Raymond James using Ibbotson Presentation Materials © 2006 Ibbotson Associates, Inc. All rights reserved. Used with permission.
    25. 27. Volatility of Portfolio Returns Asset allocation decisions are among the most important factors affecting total portfolio volatility. Factors in Portfolio Volatility Asset Allocation Decisions 91.5% Market Timing 1.8% Stock Selection 4.6% Other 2.1% 8.5% Source: Brinson, Singer and Beebower (1991) Fiftieth percentile mutual fund returns can be attributed to its investment discipline Asset Allocation does not ensure profit and does not guarantee against losses.
    26. 28. Raymond James Portfolio Construction : We seek to manage risk to help you achieve your long term financial goals by following a disciplined four step process: Step 1 Step 2 Step 3 Step 4 Diversification among different asset classes may lower overall volatility, but does not ensure a profit or guarantee against a loss. Search for high quality solutions that have consistently compensated investors for the active risk taken and construct our client’s portfolios <ul><li>With this process, we go further than the typical approach to: </li></ul><ul><ul><li>Provide you with a diversified portfolio that is constructed to help you stay on track for long-term success. </li></ul></ul><ul><ul><li>Help you avoid surprises that can negatively impact a portfolio and prevent you from reaching your goals. </li></ul></ul>Develop forward looking risk, return and correlation assumptions for different asset classes Optimize the asset allocation and build efficient portfolios from the selected asset classes Continuously monitor every element of the process to ensure that we are providing an institutional-quality program
    27. 29. Managed Portfolios and the Efficient Frontier Lower risk portfolios Higher risk portfolios Expected Return <ul><li>An efficient frontier represents every possible combination of assets that maximizes return at each level of portfolio risk and minimizes risk at each level of portfolio return. </li></ul><ul><li>The above illustration depicts the typical relationship between risk and return. Generally, investors are expected to be compensated in returns for assuming higher levels of risk. </li></ul>
    28. 30. Additional Advisory Solutions
    29. 31. Education Planning <ul><li>Implementing gifting, savings and investment plans to help your loved ones further their studies </li></ul><ul><li>Providing for a relative’s education can be an especially satisfying way to build your legacy </li></ul><ul><li>From 2004-5 to 2005-6, college tuition at public and private institutions increased between 5.4% and 7.1%, depending on the type of institution. </li></ul><ul><li>Source: College Board, Trends in College Pricing 2005 </li></ul><ul><li>Planning strategies, tax </li></ul><ul><li>implications and benefits of </li></ul><ul><li>different education oriented </li></ul><ul><li>savings plans such as: </li></ul><ul><ul><li>529 plans </li></ul></ul><ul><ul><li>Minor’s Trusts </li></ul></ul><ul><ul><li>Coverdell savings accounts </li></ul></ul><ul><ul><li>Transfer to Minor’s Accounts (UTMA) </li></ul></ul>Four Corners’ Solutions
    30. 32. Trust Services <ul><li>Estate & Trust Settlement </li></ul><ul><li>Custodian & Agent for Trustee </li></ul><ul><li>Personal Trusts </li></ul><ul><ul><li>Testamentary </li></ul></ul><ul><ul><li>Living (Revocable and Irrevocable) </li></ul></ul><ul><ul><li>Irrevocable & Special Needs Trusts </li></ul></ul><ul><ul><li>Life Insurance Trusts </li></ul></ul><ul><li>Raymond James Trust, N.A. </li></ul><ul><li>Provides personal trust services to individuals and families </li></ul><ul><li>Can act for you and your family as an objective, professional trustee of your personal trusts, during your life and after your death, with active management of your assets provided locally through your Raymond James Financial Advisor </li></ul>Four Corners’ Solutions
    31. 33. Solutions for Small Businesses and Corporations <ul><li>Investment Banking </li></ul><ul><li>401(k) Consulting Services </li></ul><ul><li>Employee Benefits </li></ul><ul><li>Commercial Lending </li></ul><ul><li>Full Investment Banking Capabilities </li></ul><ul><li>Mergers and Acquisitions </li></ul><ul><li>Underwritings </li></ul><ul><li>Advisory </li></ul><ul><li>Private Placements </li></ul><ul><li>Raymond James Bank </li></ul><ul><li>Corporate Lending </li></ul><ul><li>Access to 401(k) Specialists </li></ul>Four Corners’ Solutions
    32. 34. Insurance Solutions <ul><li>Business Owner Challenges </li></ul><ul><li>Charitable Legacies </li></ul><ul><li>Executive Benefit Planning </li></ul><ul><li>Personal Insurance Strategies </li></ul><ul><li>Planning Corporation of America (PCA) </li></ul><ul><li>Works to design, implement and fund business and/or personal financial goals and objectives using specially designed life insurance products. </li></ul><ul><li>Matches the right product, insurance company and price to the solution through relationships with over 20 carriers. </li></ul>Four Corners’ Solutions
    33. 35. Estate Planning Strategies <ul><li>Without an appropriate estate plan, your wealth can be subject to significant administrative costs, federal and state transfer taxes as well as experience lengthy delays and lack of privacy. </li></ul><ul><li>Consulting Areas * </li></ul><ul><ul><li>Wills, living trusts and powers-of-attorney </li></ul></ul><ul><ul><li>Wealth transfer via life insurance </li></ul></ul><ul><ul><li>Complex gifting techniques </li></ul></ul><ul><ul><li>Asset liability protection </li></ul></ul><ul><ul><li>Multi-generational transfers </li></ul></ul><ul><ul><li>Charitable vehicles </li></ul></ul>Four Corners’ Solutions * Raymond James will work with your tax and legal professionals to design and implement a complex estate plan focused on your wishes. We do not provide tax or legal advice.
    34. 36. Concentrated Equity Solutions <ul><li>Significant Risk Associated With Large Concentration in a Single Stock or a Few Stocks </li></ul><ul><li>Issues to Consider: </li></ul><ul><ul><li>Liquidity Needs </li></ul></ul><ul><ul><li>Tax Recognition </li></ul></ul><ul><ul><li>Emotional Attachment </li></ul></ul><ul><ul><li>Estate Planning </li></ul></ul><ul><ul><li>Diversification </li></ul></ul><ul><li>Our Four Corners Wealth Management Group has a Team of Specialists to Address These Issues </li></ul><ul><li>Sample of Available Strategies* </li></ul><ul><ul><li>Variable Prepaid Forwards </li></ul></ul><ul><ul><li>Exchange Funds </li></ul></ul><ul><ul><li>Managed Account Solutions </li></ul></ul><ul><ul><li>Margin Lending </li></ul></ul><ul><ul><li>Charitable Gifting Strategies </li></ul></ul>Four Corners’ Solutions *Due to the complexities involved in these strategies, it is important that you work closely with your financial advisor and tax professional to ensure that any technique employed is suitable for your long-term objectives and risk tolerance. Diversification does not ensure a profit and does not guarantee against losses. Clients are charged interest on any margin loan outstanding. If the client’s account equity declines the investor may lose more than their original investment and may be called upon to deposit additional cash or securities. Margin accounts are not appropriate for all investors.
    35. 37. Fixed Income Solutions <ul><li>Bonds are an Important Part of a Wealth Management Plan </li></ul><ul><li>Objectives: </li></ul><ul><ul><li>Provide Predictable Cash Flow </li></ul></ul><ul><ul><li>Protect Wealth Through Difficult Market Periods </li></ul></ul><ul><ul><li>Diversification of Portfolio </li></ul></ul><ul><li>Raymond James Fixed Income Capital Markets </li></ul><ul><li>Extensive Trading Capabilities </li></ul><ul><ul><li>Government Bonds </li></ul></ul><ul><ul><li>Municipal Bonds </li></ul></ul><ul><ul><li>Corporate Bonds </li></ul></ul><ul><ul><li>Mortgage-Backed Securities </li></ul></ul><ul><ul><li>Preferred Stocks </li></ul></ul><ul><ul><li>Brokered CD’s </li></ul></ul><ul><li>PEARL Reporting System for Large (>$500,000) Municipal Bond Portfolios </li></ul><ul><li>Professional Fixed Income Managers Available </li></ul>Four Corners’ Solutions Diversification does not ensure a profit and does not guarantee against losses.
    36. 38. Account Features & Communications
    37. 39. Client Statements
    38. 40. Investor Access <ul><li>A complete look at your portfolio with cost-basis information </li></ul><ul><li>Continuously updated quotes for major market averages </li></ul><ul><li>Downloads to Microsoft’s Money ® or Intuit’s Quicken ® </li></ul><ul><li>A record of recent transactions by account </li></ul><ul><li>A preview of upcoming activity such as dividend payments </li></ul><ul><li>Online copies of statements, trade confirmations and tax reporting documents </li></ul><ul><li>A link to Raymond James Bank account activity and information </li></ul>Investor Access combines the freedom of online services with the essential support and guidance of your professional financial advisor. With this service you can review activity and balances in all your accounts, individually or combined.
    39. 41. Capital Access Investment Account <ul><li>Easy access to your funds with your Capital Access VISA ® Platinum debit card and unlimited check writing </li></ul><ul><li>Electronic payments and deposits (through ACH), plus online bill payment and presentment </li></ul><ul><li>An optional rewards program that earns you points for purchases made with your Elite VISA ® Platinum debit card </li></ul><ul><li>Comprehensive monthly statements </li></ul><ul><li>An Annual Summary (13 th month) Statement </li></ul><ul><li>Quarterly reports of realized gains/losses on securities transactions </li></ul><ul><li>Quarterly performance reporting </li></ul><ul><li>Daily sweeps of un-invested cash into competitive interest bearing accounts </li></ul><ul><li>Free street name dividend reinvestment </li></ul><ul><li>Income and expense coding </li></ul><ul><li>Personalized deposit tickets and postage-paid envelopes for deposits </li></ul><ul><li>A Personal Investment Portfolio notebook </li></ul><ul><li>Toll-free access to client service </li></ul>Elite Features VISA ® Platinum debit card Online Bill Pay Unlimited check writing Electronic payments and deposits through ACH
    40. 42. In Summary <ul><li>Raymond James Corporate Overview </li></ul><ul><li>Who is “ Four Corners ”? </li></ul><ul><li>Our “ Four Corners ” Process </li></ul><ul><li>Wealth Management Solutions </li></ul><ul><li>Additional Advisory Solutions </li></ul><ul><li>Account Features and Communications </li></ul>
    41. 43. 1301 Riverplace Blvd., Suite 1900 Jacksonville, FL 32207 904-858-4100 • 800-363-9652 www. fourcornerswealth .com Four Corners Wealth Management Group