1. LENOX PERSONAL CFOTM
LENOX PERSONAL CFOTM
LIST OF SERVICES
Achieving financial success does not always simplify life. In fact, affluence generally increases the
complexity of the decision-making process. The greater one’s wealth, the more time and knowledge
must be invested in maintaining its growth, protection and ultimate distribution.
PREPARATION AND IMPLEMENTATION OF YOUR ASSET MANAGEMENT
FINANCIAL PLAN
• Review and recommendations on overall
• Fact Finder session to gather information
asset allocation.
and formulate your Money Constitution—the
• Manager review analyses through third
foundation, values and motivations driving your
parties such as Standard Poor’s and Lipper.
family’s financial personality.
• Specific retirement investment recommendations
• Construction of your Personal Wealth
and an investment review across all taxable vs.
Management web site.
qualified accounts for tax-efficient strategies.
– ccount aggregation which provides automatic
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• Provide 401(k) strategy and allocation
daily updates on your Financial Plan.
recommendations.
– aulting of all personal documents in a secure
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but accessible location. INSURANCE
• Customized Financial Plan presented to help
• Life, Disability Income: review existing coverage
establish and reach your financial goals. and analyze need.
• Action Items List created to map out the steps
• “In-Force” analyses every three years on existing
needed to execute the Plan. policies to determine their ongoing performance.
• “Lenox On-Call”—access to our team of CFP®
• Long Term Care Insurance analysis for the client
practitioners supported and/or parents.
by experienced staff throughout the year.
• Auto, Homeowners, Umbrella Liability—review
deductibles, identify gaps.
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ESTATE PLANNING *
• Due diligence/monitoring of insurance
• Review of Wills, trusts and asset titling to
companies’ financial strength.
ensure these meet your wishes and work
within current law.
RETIREMENT/CASH FLOW MANAGEMENT
• Sophisticated estate planning recommendations
to help minimize your potential estate tax • Goal Modeling – “What if” scenarios,
exposure. e.g., effects of earlier retirement, a major
purchase, etc.
• Real estate and business assets held in LLCs
for liability protection, probate avoidance. • Cash Flow and Budgeting.
• Review your beneficiary designations for your
• Monte Carlo simulation modeling to provide
retirement plans and insurance policies. “best/worst” projections.
• Crummey Notices: preparation, execution,
vaulting for eventual estate tax audit.

2. LENOX PERSONAL CFOTM
CORPORATE/GROUP BENEFITS PLANNING OTHER
Corporate Executives • Lenox Money-Smart Kids™ Program – Provides tools
and resources to help teach your children about
• Coordinate all qualified and non-qualified
financial values and how to deal with corresponding
retirement plans and allocations with overall
issues through every phase of their childhood.
personal financial plan. Bonus, stock option,
RSU and other compensation programs similarly • Mortgage and overall debt analysis.
coordinated.
• Review credit reports and tips to improving your
• Integrate available carve-out benefit strategies
credit score.**
and programs into overall risk management/
• Recommendations on credit protection.
insurance profile.
• How to reduce the risk of identity theft.
• Analyze all corporate health insurance programs
to maximize benefits.
ALERTS AND ALARMS
Business Owners
• Asset Allocation alerts triggered if market values
• Review of all Group Benefits, including Group
push your allocation outside agreed upon range.
Health, Life, Disability, 401(k), Deferred
Compensation, Liability.** • Insurance premium due dates.
• Buy/Sell Agreements to support business
• Expiration dates for family documents such as
continuation plans.* passports, drivers’ licenses.
• Succession planning.
• Vesting and expiration dates of RSUs, options.
• Year-end planning:
GIFTING AND COLLEGE EDUCATION PLANNING – und Flexible Spending Account at work
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• Maximizing your annual gift exclusion and
– und children’s college accounts
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$5,120,000 lifetime gift exemption.
– ift your annual exclusions
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• Calculate education funding needs and
evaluation of most appropriate savings vehicle. – ay state and local taxes by December 31 to
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get tax deduction
– onsider tax loss selling to offset gains
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Lenox Advisors. Integrating financial security into financial success.
Learn more at www.lenoxadvisors.com
*Estate planning is done in conjunction with your estate planning attorney, tax attorney, and/or CPA. **Offered through 3rd party vendors.
Fee-based financial planning services offered through Lenox Advisors, Inc. Lenox Advisors, Inc., offers access to securities and asset management services
through MML Investors Services, LLC, 530 5th Avenue, 14th Floor, New York, NY 10036, 212-536-6000, member SIPC. Investment adviser representatives
of Lenox Advisors, Inc. offering fee-based financial planning services may also be registered representatives and investment adviser representatives of MML
Investors Services, LLC. for purposes of offering securities and asset management services, as applicable. Lenox Advisors, Inc. is a wholly owned subsidiary of
National Financial Partners Corp. (NFP). Lenox Advisors, Inc and NFP are not affiliates or subsidiaries of MML Investors Services, LLC. Services offered through
Lenox Advisors, Inc. as an Independent Registered Investment Advisor are not sponsored or offered through MML Investors Services, LLC. CRN201308 – 151979
© 2012 Lenox Advisors, Inc. All rights reserved.