Welcome To Our Services

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An introduction to our firm\'s services

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Welcome To Our Services

  1. 1. Your Path to Financial Freedom Establishing your relationship with Vantage Point Advisors 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  2. 2. Your Path to Financial Freedom A dynamic process to reach your goals… 5) Manage, Monitor & Meet 1) Discover CLIENT + VPA 2) Assess 4) Implement 3) Design & Deliver Options 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  3. 3. Your Path to Financial Freedom Discovering and prioritizing your goals… When could I/we stop working? | How much can I/we spend in Retirement? How much can I/we leave family and others? | How much Investment Risk should I/we take? How much should I/we save? 3 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  4. 4. Your Path to Financial Freedom Assessing the sufficiency of… • Will your investment portfolio meet your long-term goals? • Is your investment portfolio properly diversified to deliver the best returns in exchange for the lowest risk? • Are you paying the right amount of tax using every tax reduction method available? • Will your Estate Plan transfer your wealth consistent with your values and personal objectives both during your lifetime and after your death? • Is your Estate Plan structured to leave the maximum amount to your heirs after taxes? • Will your Current Risk Exposures be appropriately minimized or the risks transferred so as to meet your family’s financial needs in case of the unexpected… death, disability, illness, lawsuit, personal liability to others and property damage/theft? • Are your insurance policies structured properly and cost- effective? 4 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  5. 5. Your Path to Financial Freedom Implementing comprehensive services…. Cash & Investment Management Financial Organization FINANCIAL Retirement, Education / Goal Planning Tax Management MANAGEMENT Credit / Debt Management Business Retirement Plan Consulting CLIENT Family Protection - Life Insurance Needs Estate Planning LEGACY RISK Asset Protection - PLANNING MANAGEMENT Gift Planning Health, LTC, Disability, P&C Business Succession Planning Business Insurance Needs 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  6. 6. Your Path to Financial Freedom Our investment management principles… • Investment portfolios should reflect investors’ • Successful investing, rather than saving, long-term GOALS and NEEDS for investment needs more than 10 years time to deliver the returns expected results • We diversify investment portfolios to reduce the • Successful investing can mean buying unpopular risk, recognizing it may also moderate returns in assets and selling popular ones the short-term • A large part of an investor’s success comes from • Being “diversified” means owning different size selecting an appropriate mix of assets and then companies, with different prospects for growth, sticking with it during difficult times as well as in different industries. We use asset class good times distinctions, such as large cap growth or small • Investors must understand and set realistic cap value, to assist us in diversifying a portfolio expectations for their investment portfolio’s returns • Selecting specific securities is not as important to achieve the best results to the overall success of an investor’s portfolio • We believe taxes and expenses matter and,if as creating the appropriate mix of stocks, bonds, controlled, can increase returns REIT’s, alternatives and cash • Past performance is no indicator of future results 6 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  7. 7. Why Work with Vantage Point Advisors? CLIENT SERVICE CARING FOR OUR CLIENTS • • High Client Retention Rate (Over 70% of clients We maintain fiduciary responsibility and are with us >5 years) reflects Integrity on our clients’ behalf superior service • Acting ONLY in clients’ best interests • “Team Approach” ensures clients’ needs are • Independence with objectivity - Open ideas and met at ALL TIMES choices with multiple platforms to execute • Educating and coaching our clients to make sound decisions COMPETANCE • • Fee Only - No hidden costs or commissions Three CFP® Professionals, including one attorney on staff • COMPLETE ADVICE MODEL Professionals have almost 70 years of combined professional client service experience and • Prudent - Advice is a PROCESS that uncovers wealth management expertise client goals, priorities, intent, issues, concerns and preferences and offers Solutions/Options (along with their tradeoffs) with the best possible execution to client • Dynamic - Proactive and ongoing advice to stay on track • Holistic - Addressing and coordinating all financial matters for our clients 7 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  8. 8. Who is Vantage Point Advisors? Karen McIntyre, CFP® Simone Derderian, MBA Terry Siman, JD, CFP® Vice President, Client Service Associate Managing Director – Founder & President Financial Planning Rebecca Kay, RPSM Erik Evans Robert Rastocky Client Service Associate Client Service Associate Client Service Associate Janie Glatt Amy Hensil Office Manager Executive Assistant 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  9. 9. Who is Vantage Point Advisors? Our wealth advisors… TERRY J. SIMAN, JD, CFP® Terry is President and Founder of Vantage Point Advisors. Terry has been a CFP® since 1985, and an attorney since 1977. He is a member of NAPFA, the professional organization for fee only financial advisors. He is also a past president of the Institute of Certified Financial Planners, the national professional association. Over the years, Terry has written numerous articles and been quoted on a variety of financial planning subjects for national publications, including: The New York Times, The Washington Post, The Philadelphia Inquirer and Daily News, Kiplinger's Personal Finance Magazine, The Wall Street Journal, Business Week, Investor's Business Daily, Morning Star, Bottom Line Personal, and THE COMPLEAT LAWYER. He has been a guest commentator on radio and television programs around the country, including: GOOD MORNING AMERICA SUNDAY, CNNfn (CNN's independent financial network), New Jersey Public Television, The Nightly Business Report, YOUR FINANCIAL ADVISOR, a nationally syndicated radio program, and the host of a panel discussion/video presentation called Adding Financial Planning to Your Law Practice. In addition, Terry has given testimony and written reports as an expert witness in securities matters before the U.S. Securities and Exchange Commission, New York Stock Exchange, NASD arbitrations, and in Federal Court. Most recently, he testified before the Pennsylvania Attorney General's Committee for the Protection of Older Pennsylvanians on the subject of Securities Fraud. Terry has taught the High School Financial Planning Program in Montgomery County, PA, and he was an instructor/mentor for a high school summer intern program. Awards include Practitioner of the Year, given by the Delaware Valley Society (PA) of the Institute of Certified Financial Planners, and CITIZEN OF THE WEEK, given by Montgomery Newspapers (PA). 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  10. 10. Who is Vantage Point Advisors? Our wealth advisors… KAREN B. McINTYRE, CFP® Karen is Vice President of VPA and is the firm's Managing Director for Financial Planning. She serves as her clients' personal CFO, helping them avoid frustration, confusion, and worry about financial matters. She has counseled wealthy families since 1993 and specializes in working with women and with professionals, small business owners, and clients who are newly single due to death or divorce. Karen was chosen by Investment Advisor Magazine to serve as a board member for the inaugural Wealth Summit National Conference. She has also been a resource to journalists reporting on financial planning issues and has been quoted in several publications, including US News and World Report, Money Magazine, and the Philadelphia Inquirer. Karen was accepted as a member of NAPFA, the professional organization for fee only financial advisors. NAPFA members are required to be their clients' fiduciaries and have an additional educational requisite. She is a long-time member of the Financial Planning Association. Prior to working with VPA, Karen provided financial and operational consulting services to small business owners. She received her BA in Counseling Psychology from Ithaca College and earned the CFP® designation from the College for Financial Planning. Karen lives in Chalfont with her husband Bill, a Rita’s Water Ice franchisee, and son Andrew. 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM
  11. 11. Our Fees for Comprehensive Services VPA offers new clients two approaches to using our advisory services: A STAND ALONE ASSESSMENT: VPA will perform a complete assessment of a client’s finances to determine whether the current use of resources is consistent with the client’s goals and maximizes their likelihood of reaching their objectives. The fee depends on the scope of the engagement. Assessments usually take no longer than three months to complete and include a series of meetings, usually four to five, to present our observations and recommendations. ONGOING AND CONTINUOUS ADVISOR SERVICES: Our core service is a complete assessment of a client’s finances to determine whether the current use of resources is consistent with the client’s goals and maximizes their likelihood of reaching their objectives. The assessment is followed by specific recommendations and implementation. Also included in our service is unlimited contact on any financial topic. We manage, monitor and meet with clients on an ongoing basis to increase the likelihood of successful results. Our annual fee for this service is based on the following schedule, which is part of our SEC ADV form: MARKET VALUE OF ASSETS ANNUAL FEE For the first $0 to $2.0 million 1.00% For the next $3 million 0.75% For the next $5 million 0.50% For assets over $10,000,001 negotiable 1029 NORTH BETHLEHEM PIKE | LOWER GWYNEDD PA 19002 | 215 643 5600 | 800 643 5655 | VANTAGE POINT ADVISORS.COM11

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