The document summarizes the services of Concert Wealth Management, a registered investment advisory firm. It offers integrated financial planning and investment management solutions for high net worth individuals and families. As an independent financial advisor, it provides objective advice without ties to any single vendor. The firm consists of four companies that offer wealth management, business consulting, services for investment advisors, and institutional investment management. It focuses on helping clients achieve their financial goals through comprehensive planning and customized investment strategies.
Our independent financial services firm strives to define our commitment to clients and the community through our actions, and we welcome the opportunity to elevate your financial strategies.
At T2 Asset Management, we understand the unique challenges that come with managing investments. With more than 100 years of combined experience, we have served as a trusted partner of individuals, families, and institutions providing investment management guidance and solutions based on a thorough understanding of each client’s situation and goals.
We bring proven expertise to bear on every aspect of a client’s wealth—from accumulation and growth through preservation and distribution.
By taking an objective and proactive approach that reflects the nuances and complexities of each situation, we continue to build trusted relationships.
Our independent financial services firm strives to define our commitment to clients and the community through our actions, and we welcome the opportunity to elevate your financial strategies.
At T2 Asset Management, we understand the unique challenges that come with managing investments. With more than 100 years of combined experience, we have served as a trusted partner of individuals, families, and institutions providing investment management guidance and solutions based on a thorough understanding of each client’s situation and goals.
We bring proven expertise to bear on every aspect of a client’s wealth—from accumulation and growth through preservation and distribution.
By taking an objective and proactive approach that reflects the nuances and complexities of each situation, we continue to build trusted relationships.
In our guide, we consider the questions you may need to ask to shape your future. As we all know and experience, there are usually bumps in the road on every journey. Even the best financial plans and most experienced investors can’t always predict the complexities of life.
We support and advance the goals of our clients through customized wealth and financial planning services, investment policy creation, asset allocation and portfolio management. As a client of Cardinal Point, you can enjoy the assurance that comes with having a team of experienced professionals working with you to build a comprehensive wealth plan that is focused on creating long-term value — and delivered with a personalized approach that is tailored to your needs. www.cardinalpointwealth.com
In our guide, we consider the questions you may need to ask to shape your future. As we all know and experience, there are usually bumps in the road on every journey. Even the best financial plans and most experienced investors can’t always predict the complexities of life.
We support and advance the goals of our clients through customized wealth and financial planning services, investment policy creation, asset allocation and portfolio management. As a client of Cardinal Point, you can enjoy the assurance that comes with having a team of experienced professionals working with you to build a comprehensive wealth plan that is focused on creating long-term value — and delivered with a personalized approach that is tailored to your needs. www.cardinalpointwealth.com
Our services are designed for business owners, senior executives & professionals, retirees, well established families and sports & entertainment individuals who require professional assistance managing their wealth – each with their own story.
Here at Financial Hospital we build a solid foundation for you to reach your desired destiny of financial stability through proper foundation and execution of financial planning as well as financial goals. As ever, we would like to be a part of your success. Since 2004, Financial Hospital has successfully serviced each and every client's from India or abroad. Be it Financial Planning, Tax advice or investment planning in equity, debt or alternate category; our team backed by strong research and latest economic trends, are always ready to serve our beloved investor's any queries or needs. Today, with the rich experience of our professional team comprise of CA's, MBA''s, CFP's and other technocrats, a thorough knowledge of the markets, strong leadership, innovative and focused research and having 7 office across India, Financial Hospital itself defines its value and success story.
Our approach to life-based Retirement Planning is very simple. We call it Design. Build. Protect. We design a plan built around your life. We help you clarify the plan and work towards achieving your goals allowing you to prioritize your family, worth and legacy.
Monthly Accounts Closing ensure that all events & transactions have been recorded based on Matching Principle and Going Concern basis. Accounting Advisory Services comes in handy when an entity has its own team of accountants but the expertise of International Accounting Standards, IFRS is not available in-house. We fill in that void.
Monthly Accounts Closing ensure that all events & transactions have been recorded based on Matching Principle and Going Concern basis. Accounting Advisory Services comes in handy when an entity has its own team of accountants but the expertise of International Accounting Standards, IFRS is not available in-house. We fill in that void.
2. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
CONCERT CONCERT WEALTH MANAGEMENT, INC.
Registered Investment Advisor (RIA)
GLOBAL GROUP CONCERT Wealth Management is a Securities Exchange Commission (SEC) Registered
COMPANIES Investment Advisory firm (RIA) that offers integrated financial planning-based investment
solutions for high net worth individuals and families with complex needs.
We are fully committed to a creating a relationship that places the client’s interests first.
Utilizing an open product architecture, we have a multitude of resources available to address
your unique needs and situation.
As an independent financial advisor, we provide objective investment advice free of ties to any
single custodian or third-party vendor. At CONCERT, our only focus is on your financial needs
and finding solutions that are truly best for you. This approach allows us to build valuable long-
term relationships with our clients that have spanned generations.
CONCERT BUSINESS CONSULTING, INC.
Corporate Services
CONCERT Business Consulting emphasizes a life cycle approach to business consulting,
offering support to managers/owners in the Planning, Growing, Profiting, Evaluating,
Motivating, and Exiting of their firms.
Our specific services include business planning and valuation, budgeting and financial
planning, cost and efficiency counseling, and information technology consulting on a
contractor basis to closely held businesses.
CONCERT ADVISOR SERVICES, INC.
Services for Investment Advisors
True independence allows CONCERT advisors to control their business, and serve their
clients within their own perspective, style and expertise.
We take great pride in providing our advisors with transition planning and execution,
concierge-level service and support, practice management and marketing expertise, time-
saving technology, and a range of financial products and services they need to achieve true
independence.
It is our mission to provide our advisors a platform support that helps them exceed the
expectations of their clients, and achieve their goals.
CONCERT CAPITAL MANAGEMENT, INC.
Institutional Investment Management
CONCERT Capital Management offers the sophisticated investor access to the Turn-key
Asset Management Solution designed to aid financial advisors with management of their
business practice.
Leverage the effectiveness of single access to asset allocation models, automatic re-balancing
and overlay portfolio management for your high net-worth clients
3. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
ABOUT ADVISOR
ALENA POVAROVA
FINANCIAL ADVISOR, PORTFOLIO MANAGER
As a Financial Advisor I specialize in investment management and
financial planning for high net worth individuals and families with
complex needs. I work with clients who are in career or life
transitions to ensure they are making the right moves to protect their
assets and plan for a secure future. Whether it is starting a new
family, changing careers or location, or preparing for the next
chapter, your journey can be aided by a professional who has the
wisdom and resources to support and guide you.
Because I work primarily with high net worth families, I have
developed a thorough understanding of the unique problems and
opportunities that you may confront. This translates into a time-tested
ability to obtain measurable and meaningful results for you, your
business, and ultimately, your family.
MY CORE EXPERTISE INCLUDE:
- Comprehensive Financial Planning
- Retirement Planning Strategies
- Risk Management
- Asset Protection
- Investment Planning
MY CONTACT INFORMATION:
1871 The Alameda, Suite 350
San Jose, CA 95126
Tel: 408-856-6233
Fax: 408-200-0378
Alena.Povarova@concertwm.com
4. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
CORE PHILOSOPHY
Affluent individuals and families find something different at
CONCERT Wealth Management. No other firm does as much
to help you reach all of your goals for each stage of your life.
For individuals wanting to build a prosperous future for
themselves and their heirs, a life-long relationship with
CONCERT Wealth Management is the ideal solution.
By listening to and thoroughly understanding our clients, we
have helped them reach their financial dreams and goals.
Relationships with some of our clients have spanned
generations.
We work with clients to create financial plans that address
three important phases of the personal financial planning life
cycle:
ACCUMULATION OF WEALTH
- Saving for a major investment or expenditure
- Building investment portfolio
- Maximizing tax-deferred growth
- Minimizing tax liability
- Purchasing a home
- Planning for your children's education
- Building liquidity
PRESERVATION OF WEALTH
- Preparing for and entering into retirement
- Business continuation
- Long-term care
- Aligning portfolio objectives with a changing lifestyle
DISTRIBUTION OF WEALTH
- Creating a family legacy
- Managing estate taxes
- Gifting
- Transferring business interests
- Passing on your wealth to your heirs
5. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
CONCERT APPROACH
Our approach is based entirely on the identified needs of the client. The typical process for new clients
involves an in-depth analysis of client’s personal financial situation, followed by a review and completion
of a financial plan, and lastly, an implementation of the investment strategy.
TYPICAL PROCESS
GATHER INFORMATION AND CLIENT INTERVIEW
During our initial interview we take the time to get to really know our clients to
design a financial plan that is suitable to their particular circumstance. 1. COMPREHENSIVE PROFILE
INITIAL Our discussion will cover a comprehensive range of topics, such as your:
CONSULATION values, goals, interests, assets and liabilities
+
1-2 WEEKS EVALUATE FINANCIAL SITUATION AND SET OBJECTIVES
We will work to clarify and quantify your financial goals, apply current tax and
any other applicable laws, prepare an inventory of assets and liabilities for 2. FINANCIAL PLAN
further discussion, and formulate a written plan of action with a detailed
explanation of costs & benefits
DEVELOP CLEAR PLAN TO ACCOMPLISH OBJECTIVES
We will present a written report of our findings that includes a recap of your 3. INVESTMENT STRATEGY
current financial situation, your financial goals, and asset and liability inventory.
A formal action plan is designed specifically to attain your financial goals.
FOLLOW-UP
MEETING
+ IMPLEMENT PLAN’S STRATEGIES
1 WEEK For all of our recommendations, we will present you with options, risks, costs,
and benefits.
We will help you decide which recommendations make the most sense for you
and in which order CONCERT will execute them on your behalf.
MONITOR PROGRESS AND REFINE PLAN
Throughout our relationship you will be constantly informed of your financial well-being and progress
being made towards your goals. You’re also welcome to contact us at any time to review your portfolios
and the financial plan.
Together, we will revisit your financial plan on a periodic basis to make sure our assumptions are up-to-
date and make necessary adjustments.
6. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
FINANCIAL PLANNING
CONCERT Wealth Management specializes in financial planning for
individuals and families with complex needs.
Financial Planning is the process of meeting your life-long financial goals
with the help of proper management of your finances. Proper planning for
your personal or business goals provides direction and meaning to your
financial decisions. It allows you to understand how each financial decision
affects the overall picture of your financial well-being.
The financial planning process involves:
1 Gathering your financial information to understand your current position
2 Developing a strategy or plan for how you can meet your future goals
3 Executing and up-keeping the strategy throughout the years
CONCERT Wealth Management possesses an expertise in every facet of
wealth management:
RETIREMENT PLANNING
ASSET MANAGEMENT
DEBT MANAGEMENT
TAX PLANNING
EDUCATIONAL FUNDING
ESTATE PLANNING
7. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
INVESTMENT MANAGEMENT
At CONCERT we listen to client’s financial goals, objectives, and concerns, then propose a
solution tailored just for the client. The suggested portfolio allocation is fine-tuned to our
client’s financial goals, expected growth, and tolerance for risk.
This portfolio is strategically diversified and allocated among both conventional and
alternative asset classes including stocks, bonds, currencies, natural resources, etc. The
bottom line is to produce maximum risk adjusted returns through prudent investment
management.
Our unique model allows us to use services and products from various custodians,
brokerage firms, and banks to provide our clients with the most competitive and ultimately
low-cost financial solutions. At CONCERT, our success is aligned with our clients’ success.
Return
Aggressive
Moderate
Conservative
Risk
EFFICIENT FRONTIER
8. WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER
CONCERT DIFFERENCE
HOLISTIC APPROACH
CONCERT has a client based approach that is based entirely on:
Your unique situation
Your unique financial objectives
Your unique needs and concerns
As an Independent Financial Adviser we are always on the client’s side:
We are not sales people like the employees of the major investment firms,
insurance companies or banks
We do no push proprietary products of services
We are fee-based, we do not charge commissions
We identify and offer the best options for you regardless of where that option can
be found. We go out into the marketplace and find the best product or company to
meet your needs based on:
Quality
Price
Fit
Your financial plan
FOR MORE INFORMATION
COMPREHENSIVE FINANCIAL PLANNING PLEASE CONTACT US:
PROFESSIONAL INVESTMENT MANAGEMENT
1871 The Alameda Ste 350 San Jose, CA 95126
Direct 408.856.6195
Toll Free 866.553.3951 x 1111
eFax 408.579.4173
Alena.Povarova@ConcertWM.com
This presentation is for general information purposes only. It does not take into account the particular investment objectives, restrictions, tax and financial situation or other needs of any specific client. The
information in this brochure is not intended to be used as the primary basis of investment decisions, nor, because of individual client requirements, should it be construed as a representation by CONCERT
Wealth Management as an offer or the solicitation of an offer, to buy or sell a security. Views expressed herein are subject to change on the basis of additional or new research and new facts or
developments. This brochure may contain forward-looking statements which involve risk and uncertainty. Actual results may differ significantly from the forward-looking statements. The investment risks
described herein are not purported to be exhaustive, any person considering an investment should seek independent advice on suitability or otherwise of the particular investments.
