Shulman DeMeo Asset Management LLC                   Registered Investment Advisor     FINANCIAL PLANNING & ASSET MANAGEME...
Who we areShulman DeMeo Asset Management is a planning and money management practice with over 25 years ofexperience. As a...
Clients use our services because of the value we bring to their financial lives.Our job is to advise each client as they m...
WORKING WITH SHULMAN DEMEO                                          Phase 1                                 THE FINANCIAL ...
FINANCIAL PLANNING PROCESSFinancial Planning is a systematic way of organizing your financial affairs in the most effectiv...
STEP 1 - REVIEWING OUR PLANNING PROCESSDuring the initial meeting we will:   •   Discuss your goals   •   Differentiate yo...
STEP 2 - GATHERING OF CLIENT DATA &                 REVIEWING YOUR FINANCIAL GOALSDuring the follow up meeting we will dis...
STEP 3 - WHAT WILL IT TAKE TO ACHIEVE YOUR GOALSA Financial Plan will be created to determine:   •   Net worth   •   Retir...
STEP 4 - PRESENTING FINANCIAL PLANNING RECOMMENDATIONS•   Retirement•   College Funding•   Investments•   Estate Planning•...
ESTATE PLANNINGYou have worked hard to create the wealth you have attained. It is now time to make sure yourestate plan ca...
RISK MANAGEMENT SERVICESManaging the risks that can threaten your financial well-being is every bit as important assaving ...
RETIREMENT PLAN DESIGN & MANAGEMENT   •   401(k) / Profit Sharing Plans                  •   New Comparability Plans      ...
ASSET MANAGEMENT & PLANNING SERVICESWith thousands of investments to choose from, finding the right one, or combination of...
IMPLEMENTATION AND DELIVERY OF SOLUTIONS•   Transferring of your accounts•   Contacting your prior custodian•   Inventory ...
ASSET MANAGEMENT SERVICES•   Daily account monitoring•   Discretionary trade execution & settlement•   Stop-order updates•...
ONGOING FINANCIAL PLANNING•   Ongoing discussions of current financial situation•   Monitoring of your financial plan•   R...
A successful client relationship is based on trust, understanding and open communication.This is what we strive to achieve...
CONTACT INFORMATIONJason H. Shulman                     516-708-9955Managing Member                      jhs@sd-assetmanag...
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Process Book

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Process Book

  1. 1. Shulman DeMeo Asset Management LLC Registered Investment Advisor FINANCIAL PLANNING & ASSET MANAGEMENT 3000 Marcus Avenue, Suite 3W1, Lake Success, NY 11042 (516) 708-9955
  2. 2. Who we areShulman DeMeo Asset Management is a planning and money management practice with over 25 years ofexperience. As a fee-based advisor, our success is directly tied to the financial well being of our clients and oursincere commitment to servicing their needs and concerns.We are a “boutique” firm specializing in giving a personal detailed approach to each and every one of our clients.What we offerShulman DeMeo Asset Management provides integrated fee-based advisor and asset management services toaddress the broad financial needs of individual client households. Fee-Based Independence means that we remainunbiased in our advisor-client relationship. Fee-Based is more than a description of compensation; it dictates thatour interests are naturally aligned with yours, as our primary intent is to professionally serve you and retain you asa life-long client.Designed for the client who needs ongoing advice, we will coordinate your entire financial plan. Services underour wealth management program include the services necessary to review, design and implement yourinvestment plan in conjunction with your financial plan.We can also evaluate, recommend, monitor and report on other assets that you would like to remain investedwhere they. Some examples include a company 401(k), 403(b) or other retirement plan and variable annuities.Services include: financial planning, discretionary investment management, tax strategies, estate planning, & riskmanagement. In addition, we will interact with your other advisors—such as your attorney, accountant, andmortgage broker—to make sure that proper planning is done and effective implementation takes place. We caneither work with your existing advisors or provide referrals to those we work with regularly.Our commitment to serviceWhenever you have questions or concerns, you can be confident that we are available to discuss any issues thatmay arise. We choose to maintain a limited number of clients so that we are always able to provide outstandingcustomer service.Where your assets are heldShulman DeMeo Asset Management never takes custody of a client’s funds. All funds are held by Charles Schwab.Schwab is a leader in the financial services industry, serving independent fee-based advisors and their clients.Schwab provides monthly account statements and clients can access their account information at schwab.com.Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk,and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investmentsand/or investment strategies recommended or undertaken by Shulman DeMeo Asset Management, LLC), or any non-investment related content,made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s),be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/orapplicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussionor information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Shulman DeMeoAsset Management, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/herindividual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Shulman DeMeo Asset Management, LLCis neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accountingadvice. A copy of the Shulman DeMeo Asset Management, LLC’s current written disclosure statement discussing our advisory services and feesis available for review upon request. Shulman DeMeo Asset Management LLC
  3. 3. Clients use our services because of the value we bring to their financial lives.Our job is to advise each client as they move down their financial path, help them adapt to changing situations and be their trusted advisor. OUR MISSION To help our clients achieve their own unique goals by managing their assets, protecting their wealth and building their financial legacies. OUR APPROACH We serve our clients with a consultative, team-based approach that examines all aspects of their financial lives. We put our clients’ interests above our own and those of our firm. OUR OBJECTIVE To maintain the highest standards of integrity and professionalism in our relationship with you, our client. To know and understand your financial situationand provide you with only the highest quality information, services and products to help you reach your goals. Shulman DeMeo Asset Management LLC
  4. 4. WORKING WITH SHULMAN DEMEO Phase 1 THE FINANCIAL PLAN We will bring all of the pieces of your financial life together. We will evaluate all of yourfinances and determine a personalized course of action that encompasses both your short and long-term goals. You will be presented with a written plan along with Shulman DeMeo’s recommendations for achieving your goals. Phase 2 ONGOING FINANCIAL PLANNING & ASSET MANAGEMENT Shulman DeMeo will design a personalized investment plan in conjunction with your written financial plan and risk tolerance. We make regular adjustments in response to market variations and major life events, keeping you on track toward your financial goals. Shulman DeMeo Asset Management LLC
  5. 5. FINANCIAL PLANNING PROCESSFinancial Planning is a systematic way of organizing your financial affairs in the most effectiveand efficient manner in order to achieve your life goals. This process involves gatheringrelevant financial information, examining your current financial status and coming up with astrategy or plan on how you can meet your goals given your current and projected situation.The planning process will help educate you and help you understand the financial decision thatyou make going forward. Step 1. Understanding Your Objectives & Reviewing Our Planning Process Step 2. Gathering Data & Reviewing Your Goals Step 3. Assessing Your Financial Situation & Determining How Goals Can Be Achieved Step 4. Presenting Our Financial Planning Recommendations & Your Written Financial Plan Shulman DeMeo Asset Management LLC
  6. 6. STEP 1 - REVIEWING OUR PLANNING PROCESSDuring the initial meeting we will: • Discuss your goals • Differentiate your needs from wants • Explain how the planning process works • Discuss the services that Shulman DeMeo Asset Management can provide Shulman DeMeo Asset Management LLC
  7. 7. STEP 2 - GATHERING OF CLIENT DATA & REVIEWING YOUR FINANCIAL GOALSDuring the follow up meeting we will discuss: • Income • Expenses • Employee benefits • Assets & liabilities • Current estate planning • Retirement goals • Current risk management • Risk tolerance Shulman DeMeo Asset Management LLC
  8. 8. STEP 3 - WHAT WILL IT TAKE TO ACHIEVE YOUR GOALSA Financial Plan will be created to determine: • Net worth • Retirement surplus or deficits • Education planning projections • Risk management needs • Income tax analysis • Current investment allocation • Estate tax situation Shulman DeMeo Asset Management LLC
  9. 9. STEP 4 - PRESENTING FINANCIAL PLANNING RECOMMENDATIONS• Retirement• College Funding• Investments• Estate Planning• Risk Management• Budget & debt management Shulman DeMeo Asset Management LLC
  10. 10. ESTATE PLANNINGYou have worked hard to create the wealth you have attained. It is now time to make sure yourestate plan can protect it, not simply for you and your spouse, but for generations to come.We will guide you through an independent review of your current estate plan. Thecomprehensive review includes, but is not limited to: • Wills • Insurance Trusts • Gifting StrategiesAfter reviewing your current estate plan, we will present recommendations on how you canbest protect your wealth as you transfer it to following generations. The findings will not onlydeal with protecting your estate by minimizing taxes, but also forming the appropriatestructures to protect it from potential future creditors. Shulman DeMeo Asset Management LLC
  11. 11. RISK MANAGEMENT SERVICESManaging the risks that can threaten your financial well-being is every bit as important assaving and investing toward your goals. That is the role of insurance in a financial plan.Insurance is a provision for the unexpected events that, if not prepared for, could hinder thepursuit of your goals. Being insured is not only a wise financial decision, but a responsiblepersonal act that provides you and those who depend on you’re a genuine sense of security.The type and amount of insurance you need, is best determined by an analysis of your personaland financial situation, as well as your financial goals and objectives. Dont buy more insurancethan you need, but have enough insurance to protect your income, your dependents and yourassets.Shulman DeMeo offers the following insurance products to meet a wide array of needs,including: • Life Insurance (Personal) – to support your survivors financial needs in the event of your death • Life Insurance (Business) – to protect a business from the loss of a key executive • Disability Insurance – to help replace income, should you be unable to work • Long Term Care Insurance – to help pay for assistance of daily livingIn addition, if you have any existing personal or business insurance policies, we will gladlyreview them to make sure that the coverage you have is appropriate for your needs. Shulman DeMeo Asset Management LLC
  12. 12. RETIREMENT PLAN DESIGN & MANAGEMENT • 401(k) / Profit Sharing Plans • New Comparability Plans • Plans Integrated with Social Security • Combination Profit Sharing/401k • One Person 401(k) • Defined Benefit Plans • Traditional • Cash Balance • Simplified Employer Pension Plans (SEP)Our 401(k) and pension clients are offered a wide variety of no-load mutual funds in addition toindividual brokerage accounts actively managed by Shulman Demeo.Our program offers a broad range of services featuring an unparalleled combination ofdocuments, communication, investments and administration. Shulman DeMeo Asset Management LLC
  13. 13. ASSET MANAGEMENT & PLANNING SERVICESWith thousands of investments to choose from, finding the right one, or combination ofinvestments, can have a significant impact on your degree of success. Shulman DeMeo has theknowledge and resources necessary to help you find the investments that best suit your needs.Whether youre investing toward a secure retirement, starting a college savings plan for a child, rdor simply interested in accumulating additional assets for future needs, its our job to help youclearly define both your short- and long long-term goals. Account Monitoring & Rebalancing •Trades •Stop Orders Market Ongoing Asset Research Financial Management •Fixed Income Fixed Planning •Equities Equities Customer Service •Account Maintenance •Deposits / Withdrawals Shulman DeMeo Asset Management LLC
  14. 14. IMPLEMENTATION AND DELIVERY OF SOLUTIONS• Transferring of your accounts• Contacting your prior custodian• Inventory control check• Cost basis updating• Problem position transfers• Reorganizing your account• Insurance underwriting Shulman DeMeo Asset Management LLC
  15. 15. ASSET MANAGEMENT SERVICES• Daily account monitoring• Discretionary trade execution & settlement• Stop-order updates• Research• Account rebalancing• Customer service (withdrawals, deposits, etc.)• Performance reporting• Tax reporting• Daily analysis of equity positions (10, 20 & 50 day moving averages)• Daily monitoring of financial markets• Fixed income inventories• Credit analysis of banks• Unique orders (limit, fill, kill, etc.)• Specialty areas (energy, MLP’s, etc.) Shulman DeMeo Asset Management LLC
  16. 16. ONGOING FINANCIAL PLANNING• Ongoing discussions of current financial situation• Monitoring of your financial plan• Reassessment of risk tolerance• Capital expenses• Changes in family status as it relates to estate planning• Updating your financial plan as needed• Health concerns• Tracking of Economic Trends• Tax rate law changes & government regulation changes• Pension contribution and analysis Shulman DeMeo Asset Management LLC
  17. 17. A successful client relationship is based on trust, understanding and open communication.This is what we strive to achieve with every client relationship. Jason H. Shulman Managing Member 25 Years of industry experience Areas of Expertise • Individual Financial Planning • Business Financial Planning • Pension Plan Design • Risk Management Enjoys coaching baseball & golf James N. DeMeo Chief Financial Officer 25 Years of industry experience Areas of Expertise • Portfolio Management • Investment Research Enjoys golf and travel Shulman DeMeo Asset Management LLC
  18. 18. CONTACT INFORMATIONJason H. Shulman 516-708-9955Managing Member jhs@sd-assetmanagement.comJames N. DeMeo 516-708-9954Chief Investment Officer jnd@sd-assetmanagement.comRaymond Bickhardt 516-708-9953Operations Manager rcb@sd-assetmanagement.comDawn Bodami 516-708-9967Client Relationship Manager dmb@sd-assetmanagement.comRegistered Paraplanner SMAmanda Aghabekian 516-708-9955Administrative Assistant ama@sd-assetmanagement.com Shulman DeMeo Asset Management LLC 3000 Marcus Avenue, Ste. 3W1 Lake Success, NY 11042 Fax: 516-708-9951 www.sd-assetmanagement.com Shulman DeMeo Asset Management LLC

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