The Commonwealth Alliance Program (CAP) allows outside professionals like attorneys and accountants to refer clients to Commonwealth Financial Network investment advisors and receive a percentage of the advisory fees earned. CAP provides a turnkey program for the referrals where Commonwealth handles all licensing, registrations, and payments to the referring professionals. The referring professionals are prohibited from providing financial advice to the referred clients and will only receive compensation from advisory fees, not commissions. CAP aims to create mutually beneficial partnerships between Commonwealth advisors and outside professionals to help more clients.
The document provides frequently asked questions (FAQs) about Bourbon Financial Management (BFM), an independent financial advisory firm. BFM accepts a fiduciary duty to act in clients' best interests. The owner, Patrick Bourbon, has over 15 years of experience in financial services. BFM provides investment management and advisory services for clients worldwide for a fixed annual fee based on assets under management, with no minimum portfolio size. Clients retain control of their funds and BFM does not guarantee any returns.
Financial services professionals that can help manage investments include broker-dealer agents, investment adviser representatives, and financial planners. Broker-dealer agents sell securities and are compensated through commissions, while investment adviser representatives provide ongoing investment advice and have a fiduciary duty to prioritize clients' interests. Financial planners design overall financial plans for clients that may include specific investment recommendations requiring them to register as investment adviser representatives. It is important for investors to verify the qualifications and background of any financial professional being considered to ensure they are properly licensed and have no disciplinary actions.
Spectrum Financial Services: Things You Should Know About Us and FAQsfsplanners
Spectrum is an independent financial planning firm owned by Bill Elson, CFP® that provides fee-based financial planning and investment advisory services through VSR Financial Services, Inc. In addition to investments, Spectrum counsels clients on retirement planning, estate planning, tax planning, education funding, and risk management while taking a planning-focused rather than transaction-based approach. VSR is regulated by FINRA and the SEC and Spectrum has no sales quotas, product manufacturing, or parent company influencing their recommendations.
Dickson Consulting provides professional services to support merger and acquisition activity. Founder Bob Dickson has over 40 years of experience as a CFO for both smaller and publicly traded companies. Dickson Consulting's services include serving on an M&A advisory board, managing the office of the CFO, addressing capital formation issues, supporting transaction execution, providing investment banking for exits, searching for acquisition candidates, and providing HR and risk management advisory services. The document discusses these services and provides examples of Dickson Consulting's experience. It also provides information on working with a community of professional partners including legal counsel, investment bankers, and firms that specialize in acquisition searches.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
Paraklete Financial is an independent registered investment advisor (RIA) and financial planner that offers comprehensive financial planning services for both businesses and individuals. It takes a fee-only approach, charging either hourly fees or a flat minimum fee of $6,000 paid quarterly for its services. Paraklete's financial planning process involves creating a unique plan for each client with a one year engagement and quarterly reviews. The firm's investment strategies utilize modern portfolio theory and investment policy statements. Most clients recover Paraklete's fees in their first year through tax savings and expense reductions from implementing the financial plan.
The document provides information about an investment firm called LPL Financial. It discusses the firm's mission to help clients meet their personal and financial needs through a customized approach. It then introduces the team of advisors, including their backgrounds and specialties. Finally, it provides details about LPL Financial as the parent organization, including its resources, account protections, and institutional investment management services.
The document provides frequently asked questions (FAQs) about Bourbon Financial Management (BFM), an independent financial advisory firm. BFM accepts a fiduciary duty to act in clients' best interests. The owner, Patrick Bourbon, has over 15 years of experience in financial services. BFM provides investment management and advisory services for clients worldwide for a fixed annual fee based on assets under management, with no minimum portfolio size. Clients retain control of their funds and BFM does not guarantee any returns.
Financial services professionals that can help manage investments include broker-dealer agents, investment adviser representatives, and financial planners. Broker-dealer agents sell securities and are compensated through commissions, while investment adviser representatives provide ongoing investment advice and have a fiduciary duty to prioritize clients' interests. Financial planners design overall financial plans for clients that may include specific investment recommendations requiring them to register as investment adviser representatives. It is important for investors to verify the qualifications and background of any financial professional being considered to ensure they are properly licensed and have no disciplinary actions.
Spectrum Financial Services: Things You Should Know About Us and FAQsfsplanners
Spectrum is an independent financial planning firm owned by Bill Elson, CFP® that provides fee-based financial planning and investment advisory services through VSR Financial Services, Inc. In addition to investments, Spectrum counsels clients on retirement planning, estate planning, tax planning, education funding, and risk management while taking a planning-focused rather than transaction-based approach. VSR is regulated by FINRA and the SEC and Spectrum has no sales quotas, product manufacturing, or parent company influencing their recommendations.
Dickson Consulting provides professional services to support merger and acquisition activity. Founder Bob Dickson has over 40 years of experience as a CFO for both smaller and publicly traded companies. Dickson Consulting's services include serving on an M&A advisory board, managing the office of the CFO, addressing capital formation issues, supporting transaction execution, providing investment banking for exits, searching for acquisition candidates, and providing HR and risk management advisory services. The document discusses these services and provides examples of Dickson Consulting's experience. It also provides information on working with a community of professional partners including legal counsel, investment bankers, and firms that specialize in acquisition searches.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
Paraklete Financial is an independent registered investment advisor (RIA) and financial planner that offers comprehensive financial planning services for both businesses and individuals. It takes a fee-only approach, charging either hourly fees or a flat minimum fee of $6,000 paid quarterly for its services. Paraklete's financial planning process involves creating a unique plan for each client with a one year engagement and quarterly reviews. The firm's investment strategies utilize modern portfolio theory and investment policy statements. Most clients recover Paraklete's fees in their first year through tax savings and expense reductions from implementing the financial plan.
The document provides information about an investment firm called LPL Financial. It discusses the firm's mission to help clients meet their personal and financial needs through a customized approach. It then introduces the team of advisors, including their backgrounds and specialties. Finally, it provides details about LPL Financial as the parent organization, including its resources, account protections, and institutional investment management services.
How to Manage Corporate Access More EffectivelyJeffrey Tha
Buy-side demand for corporate access is growing.
A successful investor outreach program starts with an internal assessment.
Look beyond traditional channels.
IRO-only meetings are a growing trend.
Corporate access requests are coming from unexpected places.
How to Position Your Startup for VC Fundingideatoipo
During this webinar, you will learn the basics of the venture model and path along with the necessary steps to take so that your company’s legal structure is an attractive investment. The discussion will cover:
1. Why a Delaware C-Corp is the most-common structure
2. How to document the relationship of the founders and early employees
3. The typical funding stages of a successful startup
4. An overview of convertible debt and SAFEs
5. Why it’s critical to run pro forma cap tables before financings
6. What happens in a venture financing
7. Why compliance with securities laws is important
8. Common legal mistakes in raising capital
9. And much, much more
Come with your questions and get ready to be excited about venture funding!
Fast Company 2 intro seminar 8 Dec 2010Vision+Media
This document provides an agenda and overview for the Fast Company 2 Introduction Seminar. The agenda includes presentations on debt and equity funding as well as an overview of the Fast Company 2 program. The seminar will explain different sources of funding such as bank loans, venture capital, and business angels. It will also cover the key differences between debt and equity funding. The goal is to help business owners prepare for growth financing and expand their networks to find potential lenders and investors.
Creating a M&A advisory board can help companies achieve their objectives of acquiring other companies or selling their own company. M&A transactions are complex, risky, and expensive, so having independent advisors with M&A expertise can increase the likelihood of success. A M&A advisory board can provide advice and expertise to assist the board of directors and management in their strategic objectives. Setting up an effective M&A advisory board requires defining its mandate, selecting qualified members, and managing the board to maximize its contributions.
Financial Planning Coalition Comments To SEC Request For Information On Fiduc...Advisors4Advisors
The Financial Planning Coalition submitted a comment letter in response to the SEC's request for information on a potential uniform fiduciary standard for broker-dealers and investment advisers.
The Coalition believes that a uniform fiduciary standard is needed to ensure that financial planning services are delivered under standards that ensure competency and fiduciary accountability. The standard should require that financial advisers always act in the best interests of their retail customers without regard to their own financial interests.
The Coalition is concerned that the assumptions in the SEC's request for information do not fully reflect the fiduciary duty standard and could weaken protections for investors. A true fiduciary standard requires more than just disclosure of conflicts of interest - it requires advisers to act as prudent experts
This is the deck from PeerRealty's October 8, 2015 webinar on the Ameritus Real Estate Fund, our latest real estate crowdfunding offering. Visit http://resources.peerrealty.com/ameritus-real-estate-fund-webinar-video to view the replay of this webinar.
The document provides information about an investment firm and its services. It discusses the firm's mission to help clients meet their financial needs through a total wealth management approach. It introduces the firm's team, which includes the president and a wealth management advisor, and describes their backgrounds and specialties. It also describes the resources and services provided by the firm's partner, LPL Financial, including institutional investment management processes.
About Lpl Financial Power Point Presentation.PdfHector Garza
LPL Financial is one of the largest independent broker-dealers in the US, serving over 16,000 financial advisors. It provides technology, custody, clearing services, and other support services to allow advisors to focus on clients. LPL Financial has no proprietary products to avoid conflicts of interest, and offers independent research. It aims to be an enabling partner to help advisors and their clients meet financial goals.
How Your Startup Can Raise Venture Capital in the COVID-19 Eraideatoipo
This presentation will cover some of the key topics that you will need think about as you prepare your startup for venture capital funding.
The speaker will address the following and provide context for the COVID-19 era:
1) Should you be raising money from venture capital investors yet, or does it make sense to seek more angel/friends and family financing to allow you to better succeed when you seek venture capital funding?
2) What kinds of marketing documents will you need?
3) Do you have a compelling team, including the right advisors?
4) Who are your targets?
5) Is your pitch and presentation ready for a prime time audience?
6) Can you effectively answer the questions you will face?
7) Is your company prepared for legal due diligence?
The speaker, veteran startup and corporate attorney Greg Chin of Duane Morris LLP, has seen hundreds of startups succeed and fail.
Greg will address these issues and more!
Corporate Consultants provides customized consultancy solutions to help small and medium enterprises with funding, restructuring, mergers and acquisitions, legal services, investment banking, and strategic alliances. Led by managing director Vinay Talwar and a team of experienced consultants, they offer services such as debt and equity funding, business valuations, tax advice, and helping companies expand into India or other international markets. Their expertise spans various industries including finance, IT, telecoms, and professional services.
Five key benefits of independent investment advisorsTom Gartner
Independent financial advisors offer several key benefits:
1) They provide customized guidance based on a client's entire financial situation, as they are not tied to any particular funds or products.
2) They aim to build strong, personal relationships with clients through regular interactions and hold themselves accountable.
3) Their fee structure is simple, transparent, and provides an incentive to help grow a client's assets.
LPL Financial Capabilities Brochure Large Lplmarcpico
LPL Financial is the largest independent broker/dealer in the US. It provides financial advisors with resources and tools to offer independent and unbiased advice to clients. Advisors have access to a wide range of investment products and services through LPL Financial's partnerships and can create customized investment strategies for clients' varying needs. LPL Financial's focus is on supporting advisors so they can prioritize clients' objectives over sales goals or proprietary products.
The document summarizes the teams that support the financial advisor's business, including their broker/dealer, First Allied Securities, and custodian, Pershing LLC. It explains that First Allied provides execution services, regulatory oversight, and resources to help serve clients. Pershing acts as custodian, safeguarding client assets. While these firms play important roles, the advisor's most important relationship is with clients, and the firms are selected based on prioritizing client needs and interests.
Forming a Company: How to Start a Business (SERIES: One Hour Law School 2018)Financial Poise
To view the accompanying webinar, go to: https://www.financialpoise.com/financialpoisewebinars/view-webinar/?id=266157173&slides=Zexv5CoEVKZsN
Starting a business can be an exciting time but requires careful planning to avoid foreseeable pitfalls. Careful drafting of formation documents can provide stability as the business launches and can also prevent many future issues. However, there is no one-size-fits-all entity that works for all businesses.
Be it a corporation, limited liability company, partnership, or solo proprietorship, numerous factors must be considered to ensure as the correct entity is chosen for your new company. Chief among these considerations are tax implications (pass-through vs. corporate taxation), personal liability (limited vs. unlimited), and the ability to maintain control of the business. Additionally, founders should be educated on the rules regarding capital raising, as well as what, if any, fiduciary duties they owe and to whom. This webinar provides guidance on each of these considerations.
This document is a Financial Services Guide provided by Synchron to inform clients about their services and responsibilities. It discloses contact details for Synchron and authorised representatives, how remuneration is received, what to do in the event of a complaint, and the financial planning advice process. The guide is in two parts - this document (Part 1) provides general information, while Part 2 (the Adviser Profile) contains specific details about the client's adviser. Fees may be charged for advice and clients have rights to request information on files and complain about advice received.
SSG Advisors provides regulatory consulting and compliance services to broker-dealers, investment advisers, and hedge funds to help them meet all of their regulatory needs so they can focus on their business, offering customizable solutions designed for each client's unique needs and prioritizing responsive customer service and building long-term relationships.
Complianceship Venture Solution LLP - Legal Services Provider in Delhi NCRMd Shahbaz Alam
Complianceship is the technology driven platform which is a group of dedicated, research oriented and skilled professionals who deliver innovative and distinguished corporate business solutions through a unique model of integrated legal and financial consulting services since 2017. visit : https://complianceship.com/
Pyatt Broadmark Real Estate Fund I Presentation Oct 2015Alan Chu
This document provides an overview of the Pyatt Broadmark Real Estate Lending Fund I (PBRELF I). PBRELF I invests in short-term, first lien loans secured by real estate projects in the Pacific Northwest. The goal is to provide high-yield returns while minimizing risk. PBRELF I has $136.4 million in assets under management. It offers diversification, consistent performance, and monthly distributions to investors.
This document provides information about careers in accounting and finance. It discusses the roles of accountants and CPAs, desirable traits for success in these fields such as critical thinking and communication skills, and advantages such as compensation, quality of life, and job security. Public accounting firms offer services including audits, taxes, and advisory work that is in high demand.
Mercer Capital | How to Value a Wealth Management Firm March 2019Mercer Capital
This whitepaper contains an overview of the wealth management industry, how to benchmark your firm, when you need a valuation, how to choose an appraiser, and the appropriate valuation methodologies.
Unitat 4: Boscos plens de misteri
Lèxic: Les comparacions.
Gramàtica: Els determinants, els articles i els possessius.
Ortografia: Accentuació de les paraules esdrúixoles.
Connecting classrooms via global projects2Kim Caise
Many educators know and are constantly challenged to introduce new and innovative ways to reach their students and foster enthusiasm for the learning process. As an alternative to the textbook and current events model, global projects provide a unique approach to the educational process by introducing students to cultures and classrooms around the world.
How to Manage Corporate Access More EffectivelyJeffrey Tha
Buy-side demand for corporate access is growing.
A successful investor outreach program starts with an internal assessment.
Look beyond traditional channels.
IRO-only meetings are a growing trend.
Corporate access requests are coming from unexpected places.
How to Position Your Startup for VC Fundingideatoipo
During this webinar, you will learn the basics of the venture model and path along with the necessary steps to take so that your company’s legal structure is an attractive investment. The discussion will cover:
1. Why a Delaware C-Corp is the most-common structure
2. How to document the relationship of the founders and early employees
3. The typical funding stages of a successful startup
4. An overview of convertible debt and SAFEs
5. Why it’s critical to run pro forma cap tables before financings
6. What happens in a venture financing
7. Why compliance with securities laws is important
8. Common legal mistakes in raising capital
9. And much, much more
Come with your questions and get ready to be excited about venture funding!
Fast Company 2 intro seminar 8 Dec 2010Vision+Media
This document provides an agenda and overview for the Fast Company 2 Introduction Seminar. The agenda includes presentations on debt and equity funding as well as an overview of the Fast Company 2 program. The seminar will explain different sources of funding such as bank loans, venture capital, and business angels. It will also cover the key differences between debt and equity funding. The goal is to help business owners prepare for growth financing and expand their networks to find potential lenders and investors.
Creating a M&A advisory board can help companies achieve their objectives of acquiring other companies or selling their own company. M&A transactions are complex, risky, and expensive, so having independent advisors with M&A expertise can increase the likelihood of success. A M&A advisory board can provide advice and expertise to assist the board of directors and management in their strategic objectives. Setting up an effective M&A advisory board requires defining its mandate, selecting qualified members, and managing the board to maximize its contributions.
Financial Planning Coalition Comments To SEC Request For Information On Fiduc...Advisors4Advisors
The Financial Planning Coalition submitted a comment letter in response to the SEC's request for information on a potential uniform fiduciary standard for broker-dealers and investment advisers.
The Coalition believes that a uniform fiduciary standard is needed to ensure that financial planning services are delivered under standards that ensure competency and fiduciary accountability. The standard should require that financial advisers always act in the best interests of their retail customers without regard to their own financial interests.
The Coalition is concerned that the assumptions in the SEC's request for information do not fully reflect the fiduciary duty standard and could weaken protections for investors. A true fiduciary standard requires more than just disclosure of conflicts of interest - it requires advisers to act as prudent experts
This is the deck from PeerRealty's October 8, 2015 webinar on the Ameritus Real Estate Fund, our latest real estate crowdfunding offering. Visit http://resources.peerrealty.com/ameritus-real-estate-fund-webinar-video to view the replay of this webinar.
The document provides information about an investment firm and its services. It discusses the firm's mission to help clients meet their financial needs through a total wealth management approach. It introduces the firm's team, which includes the president and a wealth management advisor, and describes their backgrounds and specialties. It also describes the resources and services provided by the firm's partner, LPL Financial, including institutional investment management processes.
About Lpl Financial Power Point Presentation.PdfHector Garza
LPL Financial is one of the largest independent broker-dealers in the US, serving over 16,000 financial advisors. It provides technology, custody, clearing services, and other support services to allow advisors to focus on clients. LPL Financial has no proprietary products to avoid conflicts of interest, and offers independent research. It aims to be an enabling partner to help advisors and their clients meet financial goals.
How Your Startup Can Raise Venture Capital in the COVID-19 Eraideatoipo
This presentation will cover some of the key topics that you will need think about as you prepare your startup for venture capital funding.
The speaker will address the following and provide context for the COVID-19 era:
1) Should you be raising money from venture capital investors yet, or does it make sense to seek more angel/friends and family financing to allow you to better succeed when you seek venture capital funding?
2) What kinds of marketing documents will you need?
3) Do you have a compelling team, including the right advisors?
4) Who are your targets?
5) Is your pitch and presentation ready for a prime time audience?
6) Can you effectively answer the questions you will face?
7) Is your company prepared for legal due diligence?
The speaker, veteran startup and corporate attorney Greg Chin of Duane Morris LLP, has seen hundreds of startups succeed and fail.
Greg will address these issues and more!
Corporate Consultants provides customized consultancy solutions to help small and medium enterprises with funding, restructuring, mergers and acquisitions, legal services, investment banking, and strategic alliances. Led by managing director Vinay Talwar and a team of experienced consultants, they offer services such as debt and equity funding, business valuations, tax advice, and helping companies expand into India or other international markets. Their expertise spans various industries including finance, IT, telecoms, and professional services.
Five key benefits of independent investment advisorsTom Gartner
Independent financial advisors offer several key benefits:
1) They provide customized guidance based on a client's entire financial situation, as they are not tied to any particular funds or products.
2) They aim to build strong, personal relationships with clients through regular interactions and hold themselves accountable.
3) Their fee structure is simple, transparent, and provides an incentive to help grow a client's assets.
LPL Financial Capabilities Brochure Large Lplmarcpico
LPL Financial is the largest independent broker/dealer in the US. It provides financial advisors with resources and tools to offer independent and unbiased advice to clients. Advisors have access to a wide range of investment products and services through LPL Financial's partnerships and can create customized investment strategies for clients' varying needs. LPL Financial's focus is on supporting advisors so they can prioritize clients' objectives over sales goals or proprietary products.
The document summarizes the teams that support the financial advisor's business, including their broker/dealer, First Allied Securities, and custodian, Pershing LLC. It explains that First Allied provides execution services, regulatory oversight, and resources to help serve clients. Pershing acts as custodian, safeguarding client assets. While these firms play important roles, the advisor's most important relationship is with clients, and the firms are selected based on prioritizing client needs and interests.
Forming a Company: How to Start a Business (SERIES: One Hour Law School 2018)Financial Poise
To view the accompanying webinar, go to: https://www.financialpoise.com/financialpoisewebinars/view-webinar/?id=266157173&slides=Zexv5CoEVKZsN
Starting a business can be an exciting time but requires careful planning to avoid foreseeable pitfalls. Careful drafting of formation documents can provide stability as the business launches and can also prevent many future issues. However, there is no one-size-fits-all entity that works for all businesses.
Be it a corporation, limited liability company, partnership, or solo proprietorship, numerous factors must be considered to ensure as the correct entity is chosen for your new company. Chief among these considerations are tax implications (pass-through vs. corporate taxation), personal liability (limited vs. unlimited), and the ability to maintain control of the business. Additionally, founders should be educated on the rules regarding capital raising, as well as what, if any, fiduciary duties they owe and to whom. This webinar provides guidance on each of these considerations.
This document is a Financial Services Guide provided by Synchron to inform clients about their services and responsibilities. It discloses contact details for Synchron and authorised representatives, how remuneration is received, what to do in the event of a complaint, and the financial planning advice process. The guide is in two parts - this document (Part 1) provides general information, while Part 2 (the Adviser Profile) contains specific details about the client's adviser. Fees may be charged for advice and clients have rights to request information on files and complain about advice received.
SSG Advisors provides regulatory consulting and compliance services to broker-dealers, investment advisers, and hedge funds to help them meet all of their regulatory needs so they can focus on their business, offering customizable solutions designed for each client's unique needs and prioritizing responsive customer service and building long-term relationships.
Complianceship Venture Solution LLP - Legal Services Provider in Delhi NCRMd Shahbaz Alam
Complianceship is the technology driven platform which is a group of dedicated, research oriented and skilled professionals who deliver innovative and distinguished corporate business solutions through a unique model of integrated legal and financial consulting services since 2017. visit : https://complianceship.com/
Pyatt Broadmark Real Estate Fund I Presentation Oct 2015Alan Chu
This document provides an overview of the Pyatt Broadmark Real Estate Lending Fund I (PBRELF I). PBRELF I invests in short-term, first lien loans secured by real estate projects in the Pacific Northwest. The goal is to provide high-yield returns while minimizing risk. PBRELF I has $136.4 million in assets under management. It offers diversification, consistent performance, and monthly distributions to investors.
This document provides information about careers in accounting and finance. It discusses the roles of accountants and CPAs, desirable traits for success in these fields such as critical thinking and communication skills, and advantages such as compensation, quality of life, and job security. Public accounting firms offer services including audits, taxes, and advisory work that is in high demand.
Mercer Capital | How to Value a Wealth Management Firm March 2019Mercer Capital
This whitepaper contains an overview of the wealth management industry, how to benchmark your firm, when you need a valuation, how to choose an appraiser, and the appropriate valuation methodologies.
Unitat 4: Boscos plens de misteri
Lèxic: Les comparacions.
Gramàtica: Els determinants, els articles i els possessius.
Ortografia: Accentuació de les paraules esdrúixoles.
Connecting classrooms via global projects2Kim Caise
Many educators know and are constantly challenged to introduce new and innovative ways to reach their students and foster enthusiasm for the learning process. As an alternative to the textbook and current events model, global projects provide a unique approach to the educational process by introducing students to cultures and classrooms around the world.
Small Molecule Chemistry of Spontaneously Fermented Coolship Ales - NERM 2013John Edwards
1) Spontaneously fermented coolship ales involve cooling unfermented wort overnight in open vessels which allows wild microbes like yeasts and bacteria to inoculate the wort. These microbes produce various flavor compounds over months to years.
2) 1H NMR spectroscopy and multivariate analysis were used to investigate and quantify differences in organic acid profiles between American and Belgian spontaneously fermented beers.
3) Results showed higher acetic acid levels in American beers which may be due to different Brettanomyces strains or oxygen levels. Fruit acids were also detected at high levels in fruit-containing beers.
This document describes the process and equations for a Kalman filter. It initializes the state estimate, covariance matrix, and linearizes the state and measurement models. It then enters a iterative process of predicting the state, computing the measurement prediction, calculating the Kalman gain, and updating the state estimate and covariance matrix based on the difference between the predicted and actual measurements. The process linearizes models, computes the mean square error of prediction, and adjusts the prediction according to weighted ratios of predicted and state errors.
(EOR/MEOR/BERO/oil recovery) Application of bero™ biosurfactant in yanchang o...Jany Li
The document discusses the application of BEROTM biosurfactant in the Yanchang Oilfield in China. It describes how the biosurfactant was used to increase oil production in four wells that were experiencing reductions due to wax and organic matter plugging near the wellbore. After injecting the biosurfactant, all four wells saw increases in daily oil production rates, with one well's rate doubling from 3.1 to 10.8 barrels of oil per day.
Este documento presenta las calificaciones oficiales de 42 estudiantes del grupo 1F en la asignatura de Matemáticas correspondientes al primer bimestre del año escolar 2013-2014 en la Escuela Secundaria Diurna No. 135 en la Unión de Repúblicas Socialistas Soviéticas. Se incluye el nombre y calificación de cada estudiante así como el promedio general del grupo.
Este documento describe una práctica de laboratorio realizada por estudiantes para obtener el perfil de temperatura de una varilla de aluminio calentada por una plancha eléctrica. Inicialmente tuvieron dificultades midiendo la temperatura a través de una camisa aislante en la varilla, pero al quitar la camisa pudieron tomar mediciones uniformes que mostraron que la temperatura disminuye con la distancia de la fuente de calor, cumpliendo la teoría.
El documento presenta los pasos para limpiar un computador y un teclado. Describe 7 pasos para limpiar el computador que incluyen verificar su estado, desconectar cables, usar un destornillador para mover el ventilador, soplar el polvo, limpiar el teclado y monitor con cepillo de dientes y silicona, y volver a conectar los cables. Presenta también 12 pasos para desarmar, limpiar y volver a armar un teclado, como quitar tornillos, membranas, circuitos, lavar partes, secar, volver a colocar
The document introduces The Bridgeway Group, a wealth management firm. It provides an overview of the firm's services, which include investment consulting, portfolio management, relationship management, and advanced planning. It describes the firm's vision of helping clients make informed financial decisions and its wealth management process, which involves discovery meetings, investment planning, and regular progress meetings. It also discusses how the firm adds value through suitable asset allocation, low-cost solutions, portfolio rebalancing, behavioral coaching, and total return strategies. The firm's advisors are supported by Commonwealth Financial Network.
Este documento describe las tres erres de la reducción de residuos: reducción, reciclaje y reutilización. La reducción se refiere a minimizar la generación de residuos reduciendo el consumo y uso de productos. El reciclaje es el proceso de someter materiales usados a un ciclo de tratamiento para obtener nuevos productos. La reutilización implica volver a usar bienes y objetos para prolongar su vida útil.
La información es un elemento trascendental para las organizaciones. Los analistas de sistemas recomiendan, diseñan y dan mantenimiento a diversos tipos de sistemas, como los sistemas de procesamiento de transacciones y los sistemas de información gerencial. También crean sistemas orientados a la toma de decisiones. Muchas aplicaciones se conciben originalmente para, o se migran a, la Web para apoyar el comercio electrónico.
Filandus M. Boyd Sr. is seeking a security position utilizing over 15 years of experience in private security and investigations. He has skills in patrol, report writing, crime prevention, first aid/CPR, metal detection, and issuing security badges. His previous roles included patrolling facilities, responding to emergencies, investigating disturbances, and checking credentials at multiple Ohio locations between 1996-2015.
The document discusses the benefits of a new training program for employees that focuses on soft skills and interpersonal communication. It states that the program led to improved collaboration between teams and increased customer satisfaction scores. The document recommends continuing to offer the training on a regular basis to foster even stronger workplace relationships and business outcomes over time.
Este documento resume los principales métodos para el control y prevención de la contaminación ambiental. Inicialmente, se describen las estrategias básicas de control de la contaminación como el tratamiento de residuos y el uso de depuradoras. Posteriormente, se enfoca en la importancia creciente de la prevención de la contaminación y las tecnologías de producción más limpia. Finalmente, analiza aspectos como la gestión integrada de residuos, el control de la contaminación atmosférica y acuática, y los modelos para evaluar y vigilar la calidad
El documento resume la historia de los virus informáticos y los programas antivirus. Explica que el primer virus informático atacó una computadora IBM en 1972 y se llamó Creeper. Para eliminarlo se creó el primer programa antivirus llamado Reaper. También describe algunas empresas importantes de seguridad como Panda Security, Avast, Norton Utilities y McAfee. Finalmente, enfatiza la importancia de contar con mecanismos de protección como los antivirus para proteger nuestros equipos y la confidencialidad de nuestra información en la actualidad.
This document provides advice to employers on reviewing the services provided by their pension advisers. It recommends employers evaluate their pension scheme goals, resources, support needs, current services, and value for money. Key areas to assess include whether the scheme aligns with business objectives, the time and expertise required to run it internally, support for employees, clarity on included services, and measurements of engagement and cost effectiveness. The review is important given recent regulatory changes requiring advisers to charge fees instead of commissions to avoid conflicts of interest.
This document provides guidance on choosing an investment advisor. It outlines important questions for individuals to ask themselves, such as their investment goals, risk tolerance, and needs. It also provides questions individuals should ask advisors, such as about their credentials, services offered, compensation structure, investment approach, and asset custody. The document emphasizes the importance of communication, understanding an advisor's investment style and decision-making process, and verifying their performance. It notes different types of advisors and services that may be needed, such as financial planners, money managers, or wealth managers. Overall, the document aims to help readers make an informed choice about hiring an investment advisor.
Investor Securities Group was founded in 1964 and transitioned to become a branch of Securities America in 2012. It supports over 100 independent financial professionals across the US by providing operational support so advisors can focus on serving clients. The firm is committed to integrity and professionalism in its relationships with advisors. It aims to anticipate advisors' needs, exceed their expectations, and serve as an extra set of eyes and ears for them.
Investor Securities Group was founded in 1964 and transitioned to become a branch of Securities America in 2012. It supports over 100 independent financial professionals across the country. ISG offers operational support services so advisors can focus on serving clients. It is committed to integrity and professionalism in its relationships with advisors. ISG's goal is to anticipate advisors' needs, be advocates for them, and exceed their expectations.
The document discusses the benefits of working with a Registered Investment Advisor (RIA) over a registered representative, noting that RIAs are fiduciaries legally bound to put clients' interests first, they provide personalized financial advice through long-term relationships focused on clients' goals, and they are typically paid through flat or asset-based fees to avoid conflicts of interest unlike commission-based registered representatives.
The document discusses the credentials and qualifications of a Certified Public Accountant (CPA) who has obtained the Personal Financial Specialist (PFS) designation from the American Institute of Certified Public Accountants (AICPA). To earn a PFS credential, a CPA must meet requirements for education, experience, examinations, and ethics. A CPA/PFS is qualified to provide comprehensive financial planning services, including taxes, investments, estate planning, retirement planning, and more, while considering the tax implications of financial decisions. They are uniquely positioned to serve as a trusted long-term financial advisor due to their accounting expertise and client-focused standards.
This document summarizes the differences between registered investment advisors (RIAs) and registered representatives (stockbrokers) for providing financial advice. It notes that most investors are confused about their fiduciary responsibilities. RIAs are fiduciaries legally required to put clients' interests first, while representatives must meet a lower suitability standard. The document urges investors to understand the options, consider their needs, and read disclosures carefully to determine the best choice for their situation.
This document summarizes the differences between registered investment advisors (RIAs) and registered representatives (stockbrokers) for providing financial advice. It notes that most investors are confused about their fiduciary responsibilities. RIAs are fiduciaries legally required to put clients' interests first, while representatives must only meet suitability standards. The document urges investors to understand the options, consider their needs, and read disclosures carefully to determine the best choice for their situation.
The Right Investment Advisor Does What Is Right For You.Tom Gartner
The document discusses the benefits of using an independent registered investment advisor (RIA). It outlines 5 key benefits: 1) RIAs provide advice based solely on what is best for the client rather than any other interests; 2) RIAs clearly disclose their fee structure which is typically based on a percentage of assets managed; 3) RIAs can help address complex financial needs like business sales or estate planning; 4) RIAs aim to develop a personal relationship with clients and take responsibility for the advice provided; 5) RIAs use third-party custodians to hold client assets securely so they can focus on providing advice.
The document introduces the First American National Investment Advisors (FANAdvisors) platform, which provides a solution for financial representatives to adjust to changes in the industry, build steady recurring income, and protect themselves from expanding regulations. The platform helps representatives provide more services to clients, build steady income through an asset-based model, and comply with licensing requirements. Representatives can offer investment advisory services through FANAdvisors with no upfront fees and low monthly administrative fees.
Retirement Plan Capabilities PresentationStonebarger
The document discusses retirement plan consulting services provided by Holmes Murphy Financial Services including plan operation support, advisory services, investment review and monitoring, and vendor selection. It outlines areas of concern for retirement plan sponsors such as fiduciary liability, participant education, investment performance, and plan expenses. The document also discusses providing non-qualified plan services, private investment management, and helping clients achieve their financial goals and secure retirement.
ERISA Fiduciary Advisors, Inc. provides fiduciary advisory services to retirement plan sponsors to help protect them from fiduciary liability. They offer different levels of advisory and consulting services and accept fiduciary responsibility in writing. As an independent registered investment advisory firm, they work as a discretionary or nondiscretionary investment fiduciary and qualified fiduciary advisor. Their goal is to help plan sponsors and participants achieve retirement goals through proper plan management while avoiding conflicts of interest by not receiving payments from recommended investment managers.
Questions To Ask When Choosing A Financial Plannermarcpico
This document provides 10 questions to ask when choosing a financial planner. It suggests asking about the planner's experience, qualifications, services offered, approach to financial planning, fees, potential conflicts of interest, disciplinary history, and getting agreements in writing. The questions are meant to help evaluate several planners to find the right fit and ensure the planner is competent and qualified to meet your specific financial planning needs.
The document describes a Professional Alliance program between an independent financial advisor's firm and Morgan Stanley Smith Barney that allows advisors to refer clients to Morgan Stanley in exchange for ongoing referral fees. Key details include:
- Advisors can enhance their business through the value, competitive advantage, and additional revenue source provided by referrals.
- Referral fees are paid on ongoing fee-based accounts of referred clients.
- Referrals must comply with registration requirements in the advisor's state.
- Morgan Stanley provides resources like investment products and research to advisors.
iQ Financial provides a broad range of financial products and services from their offices in Sligo, Ireland. They are regulated in insurance, investments, mortgages and more. The company was founded in 2005 by Enda and Coman Brady to provide independent financial advice. Both Enda and Coman have extensive experience in financial services. iQ Financial's services include advice on pensions, investments, insurance, lending and more. They aim to build long-term trusting relationships with clients through honesty, confidentiality and tailored recommendations.
Shah Financial Planning Inc. provides various financial advisory services to clients including discovery of financial objectives, investment advice and recommendations, portfolio reviews, reporting, wealth and income planning, and ongoing education. Fees for mutual funds can include a management expense ratio of up to 2.5% and trading expense ratio of up to 1.5% which cover the costs of investment management and advisory services. Additional transaction fees may apply for some account types. The document outlines the services provided by financial advisors at Shah Financial and how their costs are covered through embedded commissions and fees from mutual fund purchases.
10 Questions to Ask when Choosing a Financial PlannerCFLsaving
This document provides a checklist of questions for interviewing a financial planner. It includes questions about the planner's experience, qualifications, services offered, approach, fees, potential conflicts of interest, and disciplinary history. The goal is to find a competent, qualified professional who can meet your specific financial planning needs. Conducting thorough due diligence on a prospective planner is important for securing your financial future.
HPWM Brian Parker Capabilities Overview Global 031215Brian Parker CFP®
Hyde Park Wealth Management LLC is an independent wealth management firm based in Cincinnati, Ohio that specializes in investment management, financial planning, and corporate retirement plans. The firm provides impartial advice to individual, family, and corporate clients across the country. Brian Parker is the Financial Planning Director at Hyde Park Wealth Management. He has 15 years of experience in finance and accounting on Wall Street. As a CERTIFIED FINANCIAL PLANNERTM, Brian provides holistic financial planning and effective investment management to clients using options trading experience to hedge risk and enhance returns.
Boon Capital Advisors provides investment advisory services to help clients feel financially secure. They use a 4-step process called the Boon Experience to understand clients' goals and financial situation, create customized plans, and provide ongoing reviews and support. Boon's investment philosophy focuses on a globally diversified, low-cost portfolio based on evidence. They operate with transparency and honesty as a registered investment advisor with fiduciary duty to put clients' interests first.
1) The document introduces John K. Bahr and his wealth management firm, which serves a limited number of clients through a personalized approach focused on communication, service, and education.
2) The firm provides a team of specialists to address clients' various financial needs, and offers services like charitable donations and investment management aimed at being trustworthy.
3) The document outlines common investor mistakes and emphasizes the importance of written goals, financial planning, and ongoing communication between clients and the firm.
1. THE COMMONWEALTH ALLIANCE PROGRAM
WHY IT ADDS UP TO WORK WITH US
The Bridgeway Group
Matthew B. Dupon, CFP,® AIF®
Sean A. Montgomery, CFP®
Theresa M. Mahoney
301 E Colorado Blvd, Suite 500
Pasadena, CA 91101
626.460.0400
1037 Park View Drive
Covina, CA 91724
626.502.1923
www.thebridgewaygroup.com
info@thebridgewaygroup.com
Rev 04/15
The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
2. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
AN INTRODUCTION
For many attorneys and accountants, the idea of
a referral relationship with a financial professional
seems awkward. That’s because, too often, financial
professionals see nothing but dollar signs when they
seek referrals from a CPA or a lawyer. Recognizing
this unabashed self-interest, many other professionals
resent being thought of as a mere bank of referrals.
Our approach is unusual in this respect. We are
committed to a professional alliance with your firm,
and we are convinced that this relationship can be
mutually rewarding. We are looking to partner with
professionals who have the same standards of
excellence, strength of dedication, and hard-earned
reputation that we have, so both of our clienteles can
benefit from the services we provide.
We find these qualities in you, and we hope that you
will consider the benefits of this proposed arrangement.
In the pages that follow, we hope to allay many of
your concerns, as well as answer any questions you
may have. And, of course, if you’d like to discuss
this relationship further, please don’t hesitate to
contact us.
3. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
EXPECTATIONS AND CONSIDERATIONS
We’d like to pledge ourselves to you.
Let us emphasize that with any referral relationship, it
is our intent to:
•• Preserve your integrity as an advisor.
•• Allow you to act as the client’s hero.
•• Hold all client introduction meetings in your office.
•• Give you the chance to thoroughly review any new
strategies in advance of their implementation.
•• Provide the highest degree of expertise and
professional excellence to your clients.
What would compel you to introduce us to your
best clients? Your fellow colleagues?
Your family and friends?
Quality financial strategies. We can represent a
positive ingredient to any client’s comprehensive
wealth strategy team. In some cases, we become the
team leader and add others to the team as we go
along. In others, we offer our expertise to the already
established lineup. Either way, we strive to provide
custom-made strategies to high-net-worth individuals
and their families.
Consider the following:
•• Most successful people prefer one-stop shopping.
•• Our practice welcomes the opportunity to work
with other professionals, both new and known to
the client.
•• Most investors have been plugged into a
preordained investment program. We build
programs tailored to our clients’ particular
financial goals.
4. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
OUR IDEAL CLIENT
We seek to work with individuals who are:
•• Comfortable with goals, targets, and a commitment
to achieve.
•• Financial delegators seeking professional guidance
or asset management.
•• Uninterested in reading the latest Do-It-Yourself
Stock Selection book.
•• Self-employed or owners of small businesses.
•• Recently retired or in need of an IRA/employer
plan rollover.
•• Recipients of an unexpected windfall.
•• More conceptual than analytical.
•• Planning on investing enough money to be able to
enjoy their retirement.
•• Realistic about financial goals.
•• Fun to work with and generally happy.
•• Knowledgeable of the markets’ ups and downs.
•• Interested in additional wealth accumulation
and preservation.
We are their ideal financial professional because:
•• We care more about our clients and their assets
than anyone who doesn’t share their last name.
•• We prepare an asset allocation for our clients
aimed at achieving the best rate of return given
our clients’ risk tolerance.
•• We work with our clients’ tax and legal advisors to
help pursue their financial goals.
•• We proactively keep in touch with our clients.
•• We are honest.
5. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
A MATTER OF INTEGRITY
How can we guarantee that you won’t face any liability
from recommendations that we make? We can’t.
But there are a few things you can control before
evaluating the costs and benefits of any relationship.
•• Visit www.finra.org and search for our
professional history as recorded by the agency that
regulates our industry.
•• Please feel free to contact people who have worked
with us in the past and get their feedback. We’ve
provided a list of names and numbers for you.
SHARING THE WEALTH
A partnership with our firm will be solidified by
monetary compensation for any referrals you provide
to us. If a client whom you refer either sets up a
consultation meeting with me or hires me as his or
her financial professional, I will compensate you with
a percentage of the consulting or advisory fee I receive.
How are we compensated?
As Investment Adviser Representatives (IARs) of
Commonwealth Financial Network®
, Member
FINRA/SIPC, a privately owned, national independent
broker/dealer and Registered Investment Adviser
(RIA) founded in 1979, we earn money in three
primary areas, but are not limited to:
•• An hourly rate for providing consulting services
•• Fee-based business
•• Insurance products
6. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
CONCLUSION
We feel that our skills and services accommodate a
solid class of clients. We also understand that certain
styles fit certain personalities. In the field of financial
services, it is beneficial to work with an outfit that is
dynamic, growing, and attractive to the marketplace.
We fit this mold: we are proactive in servicing clients,
leading-edge in technology, and highly effective and
thorough in our operations. Additionally, if you are
A Winning Partnership for You and Your Client
interested in sharing compensation within one of
our fee-based programs, we have the infrastructure
to get you registered with our RIA (Commonwealth
Financial Network).
We welcome the prospect of working with you. If you
are interested in formalizing an alliance with us, please
contact us.
Commonwealth
Advisor
CAP
Professional
Referred
Client
7. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
COMMONWEALTH ALLIANCE PROGRAM (CAP)
Executive summary
The Commonwealth Alliance Program (CAP)
is a turnkey program designed to allow outside
professionals, including attorneys, accountants,
and other client centers of influence, to share a
percentage of the fee-based compensation with IARs
of Commonwealth.
Licensing components
FINRA regulations prohibit splitting or sharing
commissions with unregistered individuals but do
allow sharing arrangements for advisory fees. In some
cases, the associated professionals (APs) may be required
to obtain FINRA registrations and register as IARs of
Commonwealth’s RIA. (See full CAP Kit for licensing
details.) IARs who share advisory fees with APs do not
need to obtain a FINRA Principal registration.
Program components
Shared advisory fees resulting from investments in
Commonwealth’s Preferred Portfolio Services®
(PPS)
Custom and Direct programs, as well as our Wealth
Management Consulting program are available. APs
may not provide financial advice, nor will they have
the ability to trade on the accounts.
Advisory fee components
Fee-sharing structures are negotiated by Commonwealth
advisors and the APs. The AP will receive compensation
at the same time as the IAR of Commonwealth. Any
12b-1 fees will not be paid out to APs, as they are
considered a commission.
Affiliation benefits
Commonwealth pays the APs directly and does
not pass the compensation through the IAR, as is
common with most other programs. Commonwealth
can also ACH or mail the advisory fee payments and
will send APs an itemized list of client accounts.
Commonwealth Financial Network does not provide
legal or tax advice.
8. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
CAP SUMMARY AND CHECKLIST
CAP is a turnkey program designed to allow outside
professionals (i.e., APs), including attorneys, accountants,
and other client centers of influence, to share a
percentage of fee-based compensation with IARs
of Commonwealth.
The following are requirements for APs:
•• You must ensure that there are no restrictions
or prohibitions against receiving fees by any
associations or regulatory bodies that oversee your
professional conduct.
•• You may have to take one or more qualifying
examinations as part of the registration process if
the state requires registration as an IAR. (If you
have a professional designation, you may be exempt
from taking an examination in some states.)
•• Please note: If you are a licensed attorney in the
states of Kentucky, Maryland, New York, Ohio, or
Vermont, you may not be permitted to participate
in CAP due to restrictions imposed by your state
bar association. Please call Commonwealth’s
Licensing department at 800.251.0080, x9994, for
additional information.
If you need to take an exam other than the FINRA
Series 63, 65, or 66, complete and submit the Sample
State Sponsor Request letter to your state agency.
In addition:
•• Complete Form U10 for your state’s
securities administrator.
•• Complete Form U4 if required by your state.
Send in all the documents mentioned above, along
with a check made payable to Commonwealth
Financial Network, to Commonwealth’s Licensing
department. Commonwealth’s Licensing department will
contact you to inform you that the 120-day window
for your test is open and will refer you to the list of
Proctor Testing Centers.
•• Contact the Proctor Testing Center to set up a
date for your test.
•• Forward your test results to Commonwealth’s
Licensing department as soon as possible once
you’ve passed the exam. Commonwealth will
forward your results to the state along with the
other registration documents and the registration
fee for processing. Commonwealth will also notify
you when your registration becomes effective,
usually within two to four weeks.
You will only need to be registered in the state from
which you operate your referral business, even though
you may refer a person who resides outside that state.
•• You must provide the Commonwealth IAR with
the name and address, in writing, of any potential
clients you have referred.
•• You must ensure that clients are residents in
jurisdictions listed on the list of states in which
services may be marketed.
•• You must notify Commonwealth in writing should
you receive any compensation directly from the
Commonwealth IAR.
•• You must affirm and state that you have not been
(a) the subject of an SEC order issued under
section 203(f) under the Investment Advisers Act
of 1940 (i.e., the 1940 ACT); (b) convicted within
the previous 10 years of felony or misdemeanor
involving conduct described in sections 203(e)(2)
(A)-(D) of the 1940 ACT; (c) found by the SEC
to have engaged, or been convicted of engaging, in
any of the conduct specified in paragraphs (1), (5),
or (6) of section 203(e) of the 1940 ACT.
•• You must provide clients with a copy of
Commonwealth’s Form ADV Part 2A, as
well as obtain a signed Disclosure Statement
Acknowledgment from those clients.
9. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
CAP SUMMARY AND CHECKLIST continued
Ins and Outs of Being an AP
You can You cannot
•• Receive compensation for referrals to a
Commonwealth IAR if those referrals start a
relationship with the advisor and the advisor
receives fees as compensation for that relationship.
•• Receive compensation for business transacted after
all necessary registrations or exams have
been completed.
•• Negotiate your fee-sharing structure with the
Commonwealth IAR.
•• Share fees for participation in Commonwealth’s
PPS program.
•• Contact clients whom you believe to be
appropriate for the Commonwealth IAR as long
as you remain within your fiduciary obligations to
your clients.
•• Recommend that your clients entertain proposals
for investment advisory services from the
Commonwealth IAR.
•• Receive compensation for referring a client for
whom you serve as either trustee, co-trustee,
attorney-in-fact, guardian, or conservator.
•• Receive any compensation until Commonwealth
receives the signed Disclosure Statement
Acknowledgment form.
•• Act on behalf of or bind the IAR or Commonwealth
except in accordance with this agreement.
•• Accept any payment or compensation directly from
the IAR. (Commonwealth will pay you directly.)
•• Be a fiduciary, a trustee, or an administrator with
respect to any prospect that is a retirement plan.
•• Provide investment advice, create financial plans,
or make securities recommendations.
•• Be or act in the capacity of a co-advisor to any
prospective account.
•• Be compensated for commission business,
including for insurance products.
10. The Financial Professionals of The Bridgeway Group are registered representatives and investment adviser representatives with/and offer
securities and advisory services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
Working with a team that redefines
wealth management
Ask ten investors to define wealth management.
Actually, ask ten “wealth managers” to do so. You’ll
almost definitely get ten different answers, and most
are likely to be heavily focused on investing. As a
client of The Bridgeway Group, however, you
benefit from a cutting-edge team that has a clear and
comprehensive vision of wealth management.
Our consultative process
We approach each new engagement with a time-
tested, collaborative process. This allows us to have
an open dialogue in which we learn about your values
and goals while working with you to tailor a plan
to help meet them. As a valued client, you can offer
a portion of our services, complimentary, to your
friends, family and associates.
What to expect from the Second Opinion Service
We will meet with your friends, family and associates
for a discovery meeting and then invite them back for
a wealth management plan meeting. Hopefully, we
can confirm they’re on track to meet their values and
goals. If needed, we’ll suggest ways in which we can
help, including recommending someone else if we’re
not a good fit for their needs.
Either way, they’ll receive both a Total Client Profile
and personalized analysis of their current situation.
Second Opinion Service
Let us help those you care about. Contact us today
WEALTH MANAGEMENT SECOND OPINION SERVICE
Exclusively for friends,family and associates of our valued clients
In this challenging economy,you probably know
a friend,family member or colleague who may be
in a complex situation or just unhappy with the
advice from their financial advisor—it’s not
uncommon.Recent studies have shown that over
80% of high net worth investors would value a
second opinion.And according to a recent study
by Vanguard*,financial advisors can add about
3% of value in net portfolio returns over time.
In order to help the people you care about pursue
their financial goals, we have created our
complimentary Second Opinion Service. We’re pleased
to offer your friends, family and associates some of
the same expertise and guidance that you’ve come to
expect as a valued client of The Bridgeway Group.
Wealth Management
Investment consulting
• Asset allocation
• Portfolio Management
• Manager due diligence
• Risk Evaluation
• Performance Analysis
Step 1
Discovery
Meeting
Step 2
Wealth
Management Plan
Meeting
Relationship management
• Regularly scheduled calls, reviews and
in-person meetings
•Team of experts, including legal, tax, insurance
and investment advisors
Advanced planning
•Wealth enhancement, including cash flow, tax
minimization and liability management
• Wealth transfer
• Wealth protection
• Charitable giving
*Putting a value on your value: Quantifying
Vanguard Advisor’s Alpha, Vanguard Research,
March 2014.