This document is an introduction to a financial planning presentation. It notes that Ameriprise Financial is the largest financial planning company in the US, serving over 2.8 million clients. It encourages attendees to think about their retirement dreams and goals, such as spending more time with family, learning new skills, traveling, and seeing new places. The presentation aims to help people achieve their retirement dreams through financial planning.
This document summarizes the achievements and goals of an organization for the years 2013-2014. It discusses record highs in assets under management, adjusted capital, whole life insurance premium, and life sales growth. It also outlines new programs and solutions to address the savings crisis, including providing free life insurance to parents and education programs to help Americans save and prepare for retirement. The organization aims to replace over 25% of pre-retirement income at retirement age through its retirement planning programs.
This document discusses the value of working with a financial advisor to develop a financial security plan. It summarizes that households with a financial plan feel more satisfied with their current financial situation, debt levels, and retirement prospects. They also feel more confident in their ability to afford annual vacations and occasional splurges. The document encourages the reader to partner with an advisor to start growing their wealth through a personalized financial plan.
This document introduces the importance of financial planning. It explains that financial planning helps create a roadmap to meet life's expected and unexpected expenses. It discusses how not planning can be detrimental due to inflation reducing the value of money over time and improper investing failing to maximize returns. The document emphasizes that financial planning involves more than just tax saving and helps quantify goals and allocate funds to achieve them.
This document discusses the importance of financial planning and outlines Old Mutual Personal Financial Advice's planning process. It explains that a financial plan helps navigate life's changes and detours. The planning process involves understanding a person's goals and situation, analyzing their needs, recommending solutions, implementing a plan, and reviewing it over time as circumstances evolve. Old Mutual provides holistic financial advice and comprehensive personalized plans to help clients achieve their objectives.
Kelly C. Ruggles is an investment advisor who specializes in retirement financial planning. He believes financial planning is essential for retirees to live securely and independently in their retirement years. Ruggles aims to make the financial planning process simple for clients so they understand how to invest their money and have enough savings for unplanned expenses in retirement without relying on others. He regularly conducts workshops on topics like saving for retirement, taxes, and investing.
This document provides information on different life stages and financial needs associated with each stage. It includes the following:
- Descriptions of what to expect financially for different life stages such as being a student, single parent, married couple, or retired.
- Common questions a financial advisor might ask customers to help them understand their needs for each life stage.
- Information on "detours" people may face like debt, divorce, or retrenchment and how a financial advisor can help during difficult financial times.
- A map showing different life stages and details on financial products available for each stage from Old Mutual aimed at helping customers secure their financial future.
The document discusses strategies for building wealth and saving money. It outlines how setting specific, measurable, achievable, realistic, and timed (SMART) financial goals can help dreams of being wealthy become a reality. Examples of SMART goals include paying off credit card debt and saving for emergencies. The document also provides wealth building strategies such as saving through employer retirement plans, contributing to a Roth IRA, and buying a home that is affordable.
This document summarizes the achievements and goals of an organization for the years 2013-2014. It discusses record highs in assets under management, adjusted capital, whole life insurance premium, and life sales growth. It also outlines new programs and solutions to address the savings crisis, including providing free life insurance to parents and education programs to help Americans save and prepare for retirement. The organization aims to replace over 25% of pre-retirement income at retirement age through its retirement planning programs.
This document discusses the value of working with a financial advisor to develop a financial security plan. It summarizes that households with a financial plan feel more satisfied with their current financial situation, debt levels, and retirement prospects. They also feel more confident in their ability to afford annual vacations and occasional splurges. The document encourages the reader to partner with an advisor to start growing their wealth through a personalized financial plan.
This document introduces the importance of financial planning. It explains that financial planning helps create a roadmap to meet life's expected and unexpected expenses. It discusses how not planning can be detrimental due to inflation reducing the value of money over time and improper investing failing to maximize returns. The document emphasizes that financial planning involves more than just tax saving and helps quantify goals and allocate funds to achieve them.
This document discusses the importance of financial planning and outlines Old Mutual Personal Financial Advice's planning process. It explains that a financial plan helps navigate life's changes and detours. The planning process involves understanding a person's goals and situation, analyzing their needs, recommending solutions, implementing a plan, and reviewing it over time as circumstances evolve. Old Mutual provides holistic financial advice and comprehensive personalized plans to help clients achieve their objectives.
Kelly C. Ruggles is an investment advisor who specializes in retirement financial planning. He believes financial planning is essential for retirees to live securely and independently in their retirement years. Ruggles aims to make the financial planning process simple for clients so they understand how to invest their money and have enough savings for unplanned expenses in retirement without relying on others. He regularly conducts workshops on topics like saving for retirement, taxes, and investing.
This document provides information on different life stages and financial needs associated with each stage. It includes the following:
- Descriptions of what to expect financially for different life stages such as being a student, single parent, married couple, or retired.
- Common questions a financial advisor might ask customers to help them understand their needs for each life stage.
- Information on "detours" people may face like debt, divorce, or retrenchment and how a financial advisor can help during difficult financial times.
- A map showing different life stages and details on financial products available for each stage from Old Mutual aimed at helping customers secure their financial future.
The document discusses strategies for building wealth and saving money. It outlines how setting specific, measurable, achievable, realistic, and timed (SMART) financial goals can help dreams of being wealthy become a reality. Examples of SMART goals include paying off credit card debt and saving for emergencies. The document also provides wealth building strategies such as saving through employer retirement plans, contributing to a Roth IRA, and buying a home that is affordable.
This document discusses protecting yourself as your most valuable asset through insurance with GREENLIGHT. It notes that while people work hard to provide for their families, they often don't consider what would happen if they were unable to work. GREENLIGHT insurance offers various plans to protect individuals' and businesses' incomes and livelihoods against risks such as death, disability, critical illness, and temporary or permanent inability to work. It highlights benefits like cash payments for needs, monthly income payments, savings options, and business protection.
Balancing Your Income Between Debt, Savings, & Living Expenses Shannon Boschy
Making even small adjustments to your family budget can result in huge results in terms of day to day cash flow, debt repayment, and investing for your family's future. Certified Financial Planners can help you turn your budget around for maximum efficiency.
This document discusses several important financial planning considerations in three key areas: protecting your family, reducing taxes, and investments. It outlines questions about having an up-to-date will, life insurance, trusts, gifts to reduce taxes, investment diversification, business succession plans, and using a financial advisor. The conclusion encourages scheduling a consultation with Wexford Financial Strategies to ensure all these important financial planning areas are addressed.
Corporate IR Advisor- Derrick D. Stephensderricksteh
Derrick D Stephens and partners will be aligning with USAID to work in partnership with both global and local organizations across nearly every sector and industry to find new innovative solutions to global challenges.
"Finding Dollars in a Desert" Fundraising in Tough TimesJim Anderson
People make tough decisions about where they spend their dollars. How does that impact the nonprofit sector? In this interactive presentation we discuss...
-Economic realities for charities nationwide and locally
-What to do (and not do) when a donor says, "I can't contribute now"
-How to find the "oasis in the desert" - 7 practical strategies for successful fundraising
Blog solid works simulation performance on cad workstationsSteve Thomas
This document compares the performance of SOLIDWORKS Simulation on four different workstations: an HP EliteBook 8570W, Dell Precision M3800, custom gaming machine, and MSI WS72-6QJ. It ran the same simulation files on each system for mesh creation, static study, flow simulation, linear dynamic study, non-linear study, and non-linear dynamic study. The MSI WS72-6QJ had the fastest run times for all tests except one. With its Intel Xeon E3-1505M v5 processor and DDR4 RAM, it was able to efficiently handle more complex simulations. The document concludes the MSI WS72-6QJ is the best performing workstation for
Cerita ini menceritakan tentang perjalanan empat karakter, dua tikus bernama Scurry dan Sniff serta dua kurcaci bernama Hem dan Haw, dalam mencari keju di sebuah labirin. Awalnya mereka menemukan keju di Daerah C, namun lambat laun keju tersebut habis. Scurry dan Sniff dengan cepat mencari keju baru di labirin, sementara Hem menolak kenyataan kehabisan keju dan Haw merasa takut menjelaj
MicroJob.com is an online platform that connects individuals seeking work with those needing services. Users can post requests for services and bids on jobs. Service providers can offer their services and bid on opportunities. The platform aims to provide affordable services for both employers and contractors. It aims to compete with sites like Craigslist and Angie's List by offering no upfront costs to contractors and an efficient bidding process. The platform also implements a review system and handles payments to provide trust between users. The founders project significant user and revenue growth over five years as the platform expands its market share.
This document provides an agenda and summary for a presentation on the book "Who Moved My Cheese?". It includes:
1) An introduction stating the 4 characters in the story - Hem and Haw, the "little people", and Sniff and Scurry, the mice. The characters venture out together to find cheese.
2) A section on the characters and their personalities - Haw is doubtful but adventurous, Hem is impatient and afraid of change, Sniff smells out changes, and Scurry runs towards change.
3) A question about whether the presentation changed the listener's thoughts on dealing with challenges and the unknown.
How to Choose Mobile Workstation? VR ReadyNVIDIA Taiwan
This document discusses mobile workstations for VR applications. It summarizes the VR industry outlook, hardware requirements, and software support from ISVs. It then introduces MSI's WT72 as the world's first VR-ready mobile workstation, featuring the NVIDIA Quadro M5500 GPU. Key advantages highlighted are extreme performance for VR workflows, stability and reliability with Xeon processors and ECC memory, and dual cooling for efficiency.
The document provides tips for successful interviewing, including how to prepare, common questions asked, strategies for the interview, dress guidelines, how to participate in the interview through examples and eye contact, and following up with a thank you letter within 24 hours.
This presentation provides an overview of different types of interviews. It defines an interview as a conversation between two people where the interviewer asks questions to obtain information. The main types of interviews discussed are face-to-face, behavioral, phone, panel, exit, stress, and technical interviews. For each type, the presentation provides a brief description of its format and purpose. The presentation concludes with tips for interviewees, such as researching the company in advance, arriving early, maintaining good body language, and following up in a timely manner if offered the job.
The document provides an overview of essential interview skills presented by Vinh Nguyen. It discusses preparing for interviews through researching the company and role, rehearsing answers, and dressing appropriately. It also covers types of interviews like behavioral and phone interviews. Body language, communication skills, dealing with nerves, and closing the interview are also summarized.
The document outlines the steps involved in developing a strategic plan, including gathering information through tools like SWOT analysis, defining the vision, mission, values and strategy, setting goals and objectives, and ensuring stakeholders understand and support the strategic vision. It also discusses the importance of benchmarking, developing action plans for each department, and periodically reviewing and adjusting the strategic plan.
The document provides tips for a five part interview process: 1) Prepare before the interview by researching the company and dressing professionally. 2) Greet the interviewer positively. 3) Maintain good posture and provide thorough, honest answers to questions. 4) Ask relevant questions and follow up appropriately. 5) Send a thank you note after and follow up respectfully about the hiring decision. Key advice includes arriving early, making eye contact, having questions prepared, and following up to show continued interest in the position.
The document provides examples of standard, boring presentation templates and encourages the creation of unique, visually appealing templates instead. It emphasizes using fewer words and more images per slide, varying fonts and colors, and breaking content into multiple slides to keep audiences engaged. Inspiration sources like design blogs and galleries of infographics and slide designs are recommended for making impactful presentations that attract and impress audiences.
Retirement planning has become more complex as individuals take on more responsibility for funding their own retirements. The document discusses the importance of developing a vision for retirement and determining expenses and income sources to achieve a fulfilling retirement. It promotes using a collaborative planning process called "Dream > Plan > Track >" to help clients visualize their dreams, plan financially to achieve them, and track progress. Key questions addressed include envisioning what retirement will look like, estimating expenses, and determining sources of retirement income such as Social Security, pensions, personal savings and investments, and part-time work.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
Primerica is a financial services company that offers solutions to help middle-class families with debt elimination, income protection, savings, and investments through a customized and confidential consultation program. The company has two phases of expansion: recruiting regional vice presidents to open new offices, and increasing their client base through financial solutions. Primerica offers representatives multiple ways to earn income through various leadership levels and compensation plans.
This document discusses protecting yourself as your most valuable asset through insurance with GREENLIGHT. It notes that while people work hard to provide for their families, they often don't consider what would happen if they were unable to work. GREENLIGHT insurance offers various plans to protect individuals' and businesses' incomes and livelihoods against risks such as death, disability, critical illness, and temporary or permanent inability to work. It highlights benefits like cash payments for needs, monthly income payments, savings options, and business protection.
Balancing Your Income Between Debt, Savings, & Living Expenses Shannon Boschy
Making even small adjustments to your family budget can result in huge results in terms of day to day cash flow, debt repayment, and investing for your family's future. Certified Financial Planners can help you turn your budget around for maximum efficiency.
This document discusses several important financial planning considerations in three key areas: protecting your family, reducing taxes, and investments. It outlines questions about having an up-to-date will, life insurance, trusts, gifts to reduce taxes, investment diversification, business succession plans, and using a financial advisor. The conclusion encourages scheduling a consultation with Wexford Financial Strategies to ensure all these important financial planning areas are addressed.
Corporate IR Advisor- Derrick D. Stephensderricksteh
Derrick D Stephens and partners will be aligning with USAID to work in partnership with both global and local organizations across nearly every sector and industry to find new innovative solutions to global challenges.
"Finding Dollars in a Desert" Fundraising in Tough TimesJim Anderson
People make tough decisions about where they spend their dollars. How does that impact the nonprofit sector? In this interactive presentation we discuss...
-Economic realities for charities nationwide and locally
-What to do (and not do) when a donor says, "I can't contribute now"
-How to find the "oasis in the desert" - 7 practical strategies for successful fundraising
Blog solid works simulation performance on cad workstationsSteve Thomas
This document compares the performance of SOLIDWORKS Simulation on four different workstations: an HP EliteBook 8570W, Dell Precision M3800, custom gaming machine, and MSI WS72-6QJ. It ran the same simulation files on each system for mesh creation, static study, flow simulation, linear dynamic study, non-linear study, and non-linear dynamic study. The MSI WS72-6QJ had the fastest run times for all tests except one. With its Intel Xeon E3-1505M v5 processor and DDR4 RAM, it was able to efficiently handle more complex simulations. The document concludes the MSI WS72-6QJ is the best performing workstation for
Cerita ini menceritakan tentang perjalanan empat karakter, dua tikus bernama Scurry dan Sniff serta dua kurcaci bernama Hem dan Haw, dalam mencari keju di sebuah labirin. Awalnya mereka menemukan keju di Daerah C, namun lambat laun keju tersebut habis. Scurry dan Sniff dengan cepat mencari keju baru di labirin, sementara Hem menolak kenyataan kehabisan keju dan Haw merasa takut menjelaj
MicroJob.com is an online platform that connects individuals seeking work with those needing services. Users can post requests for services and bids on jobs. Service providers can offer their services and bid on opportunities. The platform aims to provide affordable services for both employers and contractors. It aims to compete with sites like Craigslist and Angie's List by offering no upfront costs to contractors and an efficient bidding process. The platform also implements a review system and handles payments to provide trust between users. The founders project significant user and revenue growth over five years as the platform expands its market share.
This document provides an agenda and summary for a presentation on the book "Who Moved My Cheese?". It includes:
1) An introduction stating the 4 characters in the story - Hem and Haw, the "little people", and Sniff and Scurry, the mice. The characters venture out together to find cheese.
2) A section on the characters and their personalities - Haw is doubtful but adventurous, Hem is impatient and afraid of change, Sniff smells out changes, and Scurry runs towards change.
3) A question about whether the presentation changed the listener's thoughts on dealing with challenges and the unknown.
How to Choose Mobile Workstation? VR ReadyNVIDIA Taiwan
This document discusses mobile workstations for VR applications. It summarizes the VR industry outlook, hardware requirements, and software support from ISVs. It then introduces MSI's WT72 as the world's first VR-ready mobile workstation, featuring the NVIDIA Quadro M5500 GPU. Key advantages highlighted are extreme performance for VR workflows, stability and reliability with Xeon processors and ECC memory, and dual cooling for efficiency.
The document provides tips for successful interviewing, including how to prepare, common questions asked, strategies for the interview, dress guidelines, how to participate in the interview through examples and eye contact, and following up with a thank you letter within 24 hours.
This presentation provides an overview of different types of interviews. It defines an interview as a conversation between two people where the interviewer asks questions to obtain information. The main types of interviews discussed are face-to-face, behavioral, phone, panel, exit, stress, and technical interviews. For each type, the presentation provides a brief description of its format and purpose. The presentation concludes with tips for interviewees, such as researching the company in advance, arriving early, maintaining good body language, and following up in a timely manner if offered the job.
The document provides an overview of essential interview skills presented by Vinh Nguyen. It discusses preparing for interviews through researching the company and role, rehearsing answers, and dressing appropriately. It also covers types of interviews like behavioral and phone interviews. Body language, communication skills, dealing with nerves, and closing the interview are also summarized.
The document outlines the steps involved in developing a strategic plan, including gathering information through tools like SWOT analysis, defining the vision, mission, values and strategy, setting goals and objectives, and ensuring stakeholders understand and support the strategic vision. It also discusses the importance of benchmarking, developing action plans for each department, and periodically reviewing and adjusting the strategic plan.
The document provides tips for a five part interview process: 1) Prepare before the interview by researching the company and dressing professionally. 2) Greet the interviewer positively. 3) Maintain good posture and provide thorough, honest answers to questions. 4) Ask relevant questions and follow up appropriately. 5) Send a thank you note after and follow up respectfully about the hiring decision. Key advice includes arriving early, making eye contact, having questions prepared, and following up to show continued interest in the position.
The document provides examples of standard, boring presentation templates and encourages the creation of unique, visually appealing templates instead. It emphasizes using fewer words and more images per slide, varying fonts and colors, and breaking content into multiple slides to keep audiences engaged. Inspiration sources like design blogs and galleries of infographics and slide designs are recommended for making impactful presentations that attract and impress audiences.
Retirement planning has become more complex as individuals take on more responsibility for funding their own retirements. The document discusses the importance of developing a vision for retirement and determining expenses and income sources to achieve a fulfilling retirement. It promotes using a collaborative planning process called "Dream > Plan > Track >" to help clients visualize their dreams, plan financially to achieve them, and track progress. Key questions addressed include envisioning what retirement will look like, estimating expenses, and determining sources of retirement income such as Social Security, pensions, personal savings and investments, and part-time work.
The document discusses the financial planning and investment services provided by Investors Group, including their experience and expertise in comprehensive investment management. It highlights the various products and services offered such as mutual funds, tax planning, insurance, banking, and mortgages. The focus is on creating a personalized financial plan to help clients achieve their financial goals for retirement, their family, and the future.
The document discusses the financial planning services provided by Investors Group, including their expertise in investment management, product offerings in investments, insurance, banking and lending, and goal-based financial planning process to help clients achieve their financial objectives. Investors Group uses a team approach and ongoing review to create customized financial plans and manage client investments over the long-term. The core of their services includes investment management, products and solutions tailored for diversity, and world-class money management expertise.
Primerica is a financial services company that offers solutions to help middle-class families with debt elimination, income protection, savings, and investments through a customized and confidential consultation program. The company has two phases of expansion: recruiting regional vice presidents to open new offices, and increasing their client base through financial solutions. Primerica offers representatives multiple ways to earn income through various leadership levels and compensation plans.
The document provides information about Investment Professionals, Inc. (IPI), a financial services firm that offers full-service financial planning including asset management, risk mitigation, retirement planning, estate planning, education planning, insurance and annuities, private asset management, and global wealth management. Keith Piscitello is a financial advisor with IPI who seeks to develop comprehensive financial strategies for clients to maximize benefits and minimize risks through addressing their investments, insurance, tax, and other needs. IPI has been ranked the top bank brokerage firm nationally for customer service, training, and processing accuracy based on industry surveys.
The document provides information about Investment Professionals, Inc. (IPI), a financial services firm that offers full-service financial planning including asset management, risk mitigation, retirement planning, estate planning, education planning, insurance and annuities, private asset management, and global wealth management. Keith Piscitello is a financial advisor with IPI who seeks to develop comprehensive financial strategies for clients to maximize benefits and minimize risks through addressing their investments, insurance, tax, and other needs. IPI has been ranked the top bank brokerage firm nationally for customer service, training, and processing accuracy based on industry surveys.
The document discusses steps toward financial security. It begins by establishing a solid foundation with personal and business assets, government programs, insurance plans, and employee benefits. Common barriers to financial success like inflation, taxes, and procrastination are examined. The key steps outlined are to pay yourself first by saving before spending, take advantage of tax-deferred savings options like 401(k)s, set and prioritize goals, create an action plan, implement the plan, and monitor progress. Developing a financial strategy can provide benefits like peace of mind and a means to achieve financial security.
The document discusses various methods for financing a business, including obtaining gifts and grants, borrowing money through debt financing, or exchanging equity for capital. It notes the pros and cons of debt financing, such as fixed loan payments but no ownership stake, versus equity financing which involves sharing profits and control. The document also outlines criteria lenders consider like collateral, character, capacity and conditions of the borrower, as well as alternative sources of capital beyond banks.
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
This document summarizes career opportunities as a financial advisor with Ameriprise Financial. It outlines Ameriprise's vision of being the most sought-after financial planning firm through comprehensive planning. Advisors can choose between being an independent franchise advisor, a financial services center advisor, or associate advisor. Ameriprise provides support through training, marketing resources, technology, and benefits. The career path begins with acquiring clients in the first year and growing the practice in subsequent years.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
UNFCU Financial Advisors is a wholly owned subsidiary of United Nations Federal Credit Union that provides financial advising services. It offers members services including financial planning, investment management, insurance solutions, and retirement planning. It also offers credit unions products and services such as investment advising, employee benefits programs, and marketing solutions. The company has offices in New York, Washington D.C., Geneva, and Vienna and provides both in-person and online financial programs and insurance options.
UNFCU Financial Advisors is a wholly owned subsidiary of the United Nations Federal Credit Union that provides financial advising services. It offers a range of products and services for both members and associations, including financial planning, investment management, insurance solutions, and retirement programs. The company has offices in New York, Washington DC, Geneva, and Vienna. It also provides innovative online insurance programs and turn-key marketing solutions for associations.
United Support offers investment packages starting at $500,000 that provide foreign investors green cards and ownership in real estate and business projects in the United States. Their portfolio includes projects like a $120 million international market, $27 million janitorial company, and $200 million elderly communities. United Support claims to have a 95% approval rate for green card applications and promises cost savings of up to 48% compared to competitors by offering reduced upfront fees and additional asset benefits.
The document provides an overview of financial planning and wealth management. It discusses the importance of financial planning in helping people achieve their goals and aspirations through wealth creation, protection, and growth. It covers various components of financial planning including insurance, investment, tax, estate, and retirement planning. It also highlights the roles and opportunities for wealth creators and financial planners in the Indian economy.
Goal Based Investing: Planning for Key Life Events (Series: Personal Finance ...Financial Poise
There is a redundancy in the title for this episode, for one should invest only with one or more goals in mind. This goes along with being the ally of the future version of you – someone you like and hope to admire. This webinar identifies key events and discusses approaches to husbanding our investment dollars.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/goal-based-investing-2019/
Jerry Juhnke, owner of Juhnke Financial Group, announces that in about 2.5 years Glen Snell will purchase the business while Jerry continues serving clients; Philip Edgar and Grant Garwood will take over some client responsibilities and build their own practices; the combined staff with Prairie Hills Financial Group will create efficiencies while Jerry's role does not change for the next 2.5 years.
UNFCU Financial Advisors is a subsidiary of the United Nations Federal Credit Union that provides financial advising services to nonprofits and their employees. It offers a range of products and services including financial planning, investment management, insurance solutions, and retirement programs. It has offices in New York, Washington D.C., Geneva, and Vienna. It also provides innovative online insurance programs and marketing solutions to help nonprofits.
Is there an income gap between your current take home pay and the income needed to achieve your desired goals and dreams? Then this may be the opportunity you have been looking for. This is not a get rich quick opportunity.
Similar to 15 Minute Dream Book Presentation With Slides (20)
9. What do you look forward to doing in retirement?
10. Travel is one activity that can satisfy many of your deepest desires. It can provide solitude, companionship, adventure or relaxation. The possibilities are endless.
[PRESENTER STANDS OFF TO THE SIDE OF THE ROOM.] Good afternoon/morning! For those of you who don’t know me … [WALK TO THE KNOWLEDGE SPOT, WHICH IS FRONT AND CENTER OF THE ROOM.] [USE YOUR 60-SECOND INTRODUCTION FROM THE NATURAL MARKET ADVISOR GUIDE. NOTE: INCLUDE YOUR NAME, TITLE, COMPANY AFFILIATION AND DESIGNATION ] [OPTIONAL] Before I get started, I would like to thank (name of host) for helping me put this together.
I became a financial advisor because … [CHOOSE ONE REASON BELOW, OR USE YOUR OWN. NOTE: IF YOU USE YOUR OWN, YOU MUST SUBMIT IT TO MARKETING REVIEW FOR APPROVAL PRIOR TO DELIVERY.] It seemed to me that what connects us all to each other is that drive to do something meaningful with our lives and make a difference in the lives of others. As an advisor, I like to help people do that. At the core, I see myself as an educator — I’m a person who likes to share knowledge and help people plan for their dreams. I’ve seen the results. In my life I’ve known many people who benefited from financial planning. Planning can make all the difference in how you enjoy your life. I’m passionate about financial planning and helping to fulfill people’s dreams … about being a personal financial advocate. As an advisor, I like to help people do that for themselves and their families. I’m committed to making this a meaningful learning experience for you. After the presentation, if you think that what I do for my clients is likely to improve your chances of achieving your dreams, I encourage you to schedule a complimentary meeting with me by checking this box [HOLD UP A CARD] on the comment card.
With approximately 2.8 million individual, business and institutional clients 1 and more than 110 years of history, Ameriprise Financial is America’s largest financial planning company. 2 More people come to Ameriprise for financial planning than any other company. 2 OK. Let’s get started. 1 Ameriprise Financial 2007 Annual Report 2 Based on the number of financial plans annually disclosed in Form ADV, Part 1A, Item 5, available at adviserinfo.sec.gov as of December 31, 2007, and the number of CFP ® professionals documented by the Certified Financial Planner Board of Standards, Inc .
Financial planning is the process of identifying your goals and then preparing to reach them. We understand that priorities differ from person to person. One of the first things I do with my clients is to get to know their goals and dreams. I do this by using a tool called the Dream Book guide. [HAND OUT DREAM BOOK GUIDES OR ASK ATTENDEES TO TAKE THEM OUT OF THEIR PACKET.] It’s a tool that helps you start thinking about what you could do next and provides you with a place to write down your goals and dreams. The Dream Book guide is a fresh approach to thinking about retirement: What do you dream about retiring TO, instead of what you’ll retire FROM? “To” is one word, but it can mean a lot. It helps you focus on the future. It turns retirement into a new beginning. Imagine retiring: TO a pursuit you’ve always wanted to do, but never had the time. TO a place you’ve always wanted to live. TO a lifestyle rich with family and friends. In short, TO a dream you’ve always wanted to live. Think back to your high school graduation. I bet few of you said to yourself, “Gee, there are so many unknowns out in the world, why would I leave here?” No, you were focused on the future, and all the possibilities. Remember that feeling? Let’s do some dreaming. Turn to page nine of your Dream Book guide.
What do you look forward to doing? Starting a business of your own? Starting a book club? I want you to take one minute to think about what you would do if you had the time and resources. Get creative. Write down at least one item for each of the categories listed on page nine. • Careers • Hobbies • Volunteer work • Learning • Relaxing and enjoying life Take the next minute to write down your thoughts. Go ahead and begin. [PAUSE FOR ONE MINUTE. CLICK AHEAD TO RUN THE PHOTOS.]
[PAUSE FOR ONE MINUTE.]
[PAUSE FOR ONE MINUTE.]
[PAUSE FOR ONE MINUTE.] Did everyone write something down? Great! I would like to share some things I wrote down in my Dream Book guide ... [SHARE ONE OF YOUR UNIQUE GOALS OR DREAMS] Would anyone else like to share what you wrote down?
Who has a hobby they want to throw themselves into full time? [WAIT FOR A SHOW OF HANDS.] Whether you’re planning to enjoy a hobby or travel you want to make sure that you not only have plenty saved, but that it’s invested in a way that helps you weather the ups and downs of the market. So, if your trip around the world is scheduled in a year when the markets all take a dip, you can just brush it off. Wouldn’t that be a great feeling? [LOOK FOR NODS.] One thing you can do, if travel is your dream, is to establish an annual vacation fund so that you have money set aside for your trip when you’re ready to go. I can help you with that. That’s one advantage of having a financial advisor who helps you manage your financial concerns. I meet with my clients multiple times every year. We’re always taking the pulse, seeing if the plan is meeting your goals. Keeping an eye on performance and making adjustments. Let’s have a show of hands. How many of you are familiar with asset allocation? [WAIT FOR SHOW OF HANDS.] How many of you have a rebalancing strategy? [WAIT FOR SHOW OF HANDS.] Asset allocation is a way of describing how you divvy up the money you invest into different types of investment vehicles, based on their degree of risk and their potential returns. Once we determine the asset allocation that’s appropriate for your goals, I’ll track its performance. To make sure you stay on track, we can rebalance your portfolio from time to time as markets shift. Although appropriate asset allocation is important, remember that asset allocation does not assure a profit or protect against loss if markets decline. Or, we revise your asset allocation to reflect some new dream. You can apply this strategy to other pursuits, too, from hobbies to education. There are ways to help plan for the money to be there when the time is right.
Now let’s turn to page 12. This is another favorite of mine. Where do you dream of going? Travel is one activity that can satisfy many of your deepest desires. It can provide solitude, companionship, adventure or relaxation. The possibilities are endless. • How do you want to travel? • How much traveling do you want to do? • Who are your travel companions? Take some time to consider your travel dreams, and write them down right now. We’ll take another minute here for you to write down some of your thoughts. [PAUSE FOR ONE MINUTE. CLICK AHEAD TO RUN THE PHOTOS.]
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Let’s talk about this exercise for just a moment. Would anyone like to share what they wrote down? I really enjoy this section because ... [SHARE ONE OF YOUR TRAVEL GOALS] You know, one of the more popular dreams is owning a vacation home. How many of you dream about owning a vacation home? [WAIT FOR A SHOW OF HANDS.] Let me tell you about a situation one of my clients faced — he doesn’t mind when I share this story in the interest of helping others. He spent a few years saving and investing to purchase a vacation cottage, and planned to go in on it with another couple, 50-50. But he needed to think about how to best protect it for his spouse. Did you know that depending on the way you set up joint ownership of property, your spouse could end up with as little as a 25 percent share if you pass away? With my advice, he was able to set up ownership in another way — joint ownership with rights of survivorship — making sure his surviving spouse maintains her 50 percent share. Buying a vacation home out of state can also raise some complicated tax considerations and estate questions. I have helped clients navigate these questions and helped spare them some unwelcome surprises later on. I can help you contemplate options you may not have considered. Before we move on, I want to remind you that neither I nor Ameriprise Financial may provide tax or legal advice. You should consult your tax advisor or attorney regarding specific issues. Disclosure: Neither Ameriprise Financial, nor its advisors or representatives offer tax or legal advice. Consult with your tax advisor or attorney regarding specific tax issues.
Congratulations to everyone. By writing down your dreams, you’ve made the first step toward achieving them. However, we’ve only scratched the surface of the guide’s potential. I encourage each of you to take it home, and spend some time thinking about where you want to be in the future. The next important step is creating a path to help you plan to achieve your goals and dreams, and balancing those goals and dreams within the context of today’s volatile market. An Ameriprise financial advisor, such as myself, can help you develop a plan, and track and make adjustments to it as your goals and dreams evolve. My fifteen minutes are almost up. As promised, I’m going to start wrapping it up.
Could everyone please take the comment card out of your packets? It serves two purposes. First, as you may know, the financial services industry is highly regulated, so I need to keep record of who I speak to in group settings. Second, it is a vehicle for you to tell me what you’d like to learn more about. This might include buying a home, finding a child’s or grandchild’s education, or investing for retirement. Check this box if you’d like to receive a complimentary consultation. If you check this box, [HOLD UP CARD AND POINT TO BOX] I’ll give you a call to schedule an appointment. This first meeting is an opportunity for you to share your goals and concerns with me, as a financial professional. If, together, we see a need for financial planning, we can take steps to make that happen. Because this is only an initial consultation, I will not be able to provide written analysis or recommendations related to your financial goals and financial planning needs. Finally, I would like to mention that this card is also a great place to write down the names of people you know who might be interested in learning more about the services I provide. The most rewarding part of my job is being able to help people plan for their goals and dreams. I will always take the time to meet with anyone you may recommend.
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Thank you for giving me your time and attention today. Whether we meet again or not, please continue to use your Dream Book guide to record your goals, passions and plans. It’s a great way to get to what’s next in your future.