This interactive, action-driven session will teach you how to think of money as a tool (not just a goal!), how to get your financial life in order, and how to create a full financial wellness plan that you can actually follow. Your financial “Wealth Alpha™” is not about money alone: it’s about how you use your assets, relationships, unique knowledge, and other resources to accomplish your goals. Whether you’re just starting your financial journey or an experienced pro looking to hit refresh, we’ll make sure that this is not just another personal finance session. You’ll learn: · Who you still need to add to your Financial Wellness team · One way to apply a unique resource to have your goals in the next 30 days. · How to improve one bad money habit you have - in the next 30 days.

8. ©2019 Enhanced Solutions Advisors, LLC

11. Not Just Another Personal
Finance Lesson!
ENHANCE YOUR ALPHA, FUEL YOUR DREAMS ™
RENEÉ CAPUTI, MBA, JD, LLM
ENHANCED SOLUTIONS ADVISORS, LLC

12. What is Wealth
Alpha™?
______________
Have you maximized
your resources?
What is your definition
of success?
 Wealth Alpha™ is the difference each and
every one of you can make in your own
lives – and the lives of others – by
capitalizing on the unique blend of
resources, connections, and know how you
possess.
 Wealth Alpha™ is the synergy created at
the intersection of business and life when a
plan is built around what truly matters to
you.
 Wealth Alpha™ is taking control of your
Legacy by creating your own definition of
success and crafting a plan around what
motivates and inspires you.
 Wealth Alpha™ IS NOT financial planning.
A financial plan is a part of the journey our
Wealth Alpha™ roadmap takes us on.
©2020 Enhanced Solutions Advisors, LLC

13. 8 Key Factors to Wealth Alpha™
 INVESTMENT PLANNING
- PROPER DIVERSIFICATION OF ASSETS
- RISK TOLERANCE AND GOAL TIMING
 RISK MANAGEMENT
- 1ST LINE OF DEFENSE: PROPER INSURANCE
 AUTO, HOME, PROPERTY, UMBRELLA
 LIFE, DISABILITY, LTC, BUSINESS
 LIABILITIES MANAGEMENT
- BUSINESS RATIOS TO MANAGE FAMILY FINANCES
 CASH FLOW MANAGEMENT
- WHEN, WHERE, AND WHY OF YOUR ECONOMY
 RETIREMENT (BUSINESS SUCCESSION) PLANNING
- WHAT DOES THE NEXT STAGE LOOK LIKE?
- HOW DO I FUND THAT VISION?
 YOUR DISTRIBUTION PLAN AT DEATH
- PROBATE AVOIDANCE & PRIVACY
- ESTATE PLANNING ISN’T JUST ABOUT TAXES
 TAX PLANNING STRATEGIES
- KEEPING MORE OF WHAT YOU EARN
 GOAL SETTING
- THE WHY OF THE WORK
©2020 Enhanced Solutions Advisors, LLC

14.  PROPER DIVERSIFICATION OF ASSETS
 ASSET CLASSES
 LOCATIONS
 PROPER DIVERSIFICATION OF INCOME
 EARNED
 PASSIVE
 PROPER DIVERSIFICATION OF TAX TREATMENT
 TAXABLE INCOME
 TAX DEFERRED INCOME
 TAX FREE INCOME
 RISK TOLERANCE AND GOAL TIMING
 HOW MUCH VOLATILITY AM I COMFORTABLE WITH?
 WHAT RISK LEVEL IS BEST FOR MY TIME HORIZON?
Matching your Investment Plan to your Time
Horizon is a Key Driver in Creating
Wealth Alpha™
#1
Investment
Planning
_____________
Am I taking more risk
than I should?
Am I making less than I
should be?
©2020 Enhanced Solutions Advisors, LLC

15. Investment Planning
 Stock Options
 What They Are
 Options to Purchase Employer Stock
 Exercise if Market Price is Above Option Price
 Why They Matter
 Some Taxed at Award, Some at Exercise/Sale
 Must Know Important Dates & Requirements
 Non-Qualified Accounts
 What They Are
 Brokerage Accounts
 Direct Held Investments
 Annuities
 Why They Matter
 Some Taxable as you Earn
 Some Taxable at Withdrawal
 Qualified Retirement Plans
 What They Are
 Defined Benefit
 Defined Contribution
 Why They Matter
 Who Bears the Burden of Performance
 Individual Retirement Accounts
 What They Are
 ROTH or Regular IRA
 SEP IRA
 Why They Matter
 Different Tax Treatment at Deposit
 Different Tax Treatment at Retirement
©2020 Enhanced Solutions Advisors, LLC

16.  PROPER TITLING
 WHO DOES YOUR ASSETS REALLY BELONG TO?
 PROPERLY INSURED
 WHAT HAPPENS IF SOMEONE ELSE GETS HURT
 WHAT HAPPENS IF I GET HURT
 HOME AND AUTO
 HEALTH
 UMBRELLA
 LIFE
 DISABILITY
 LONG TERM CARE
 BUSINESS COVERAGES
Risk Mitigation is a Key Driver in Creating
Wealth Alpha™
#2
Risk
Management
____________
_
Am I properly
Covered?
©2020 Enhanced Solutions Advisors, LLC

17. Risk Management
 ASSET TITLING
 SINGLE NAME, TENANTS IN COMMON, JOINT W/RIGHT OF
SURVIVORSHIP
 JOINT TENANTS BY ENTIRETY (FOR MARRIED COUPLES)
 DIVERSIFICATION
 NOT JUST INVESTMENT ASSETS, BUT SOURCES OF INCOME, TAX
TREATMENT OF CASH FLOWS, REAL ESTATE LOCATIONS, ETC…
 LIABILITY INSURANCE
 AUTO, HOMEOWNERS, AND OTHER PROPERTY POLICY LIMITS
(I.E. MOTORCYCLE, BOAT)
 UMBRELLA POLICY LIMITS AND BUSINESS LIABILITY COVERAGE
 PROPERTY INSURANCE
 HOME, OTHER REAL ESTATE, AUTO, BOAT, RV, MOTORCYCLE
 BUSINESS PROPERTY COVERAGE
 LONG TERM CARE INSURANCE
 WHO WILL PICK UP THE TAB FOR YOUR CARE?
 LIFE INSURANCE: PURCHASE OF
 REPLACEMENT OF INCOME
 LIQUIDITY TO PAY ESTATE TAXES
 IRA MAXIMIZATION
 FUND CHARITABLE GIFTING INTENTIONS
 LIFE INSURANCE: ALREADY IN PLACE
 1035 EXCHANGE: ANALYZE POLICIES FOR
 A) ADDITIONAL BENEFITS FOR SAME PREMIUM
 B) SAME BENEFITS FOR LOWER PREMIUM
 DISABILITY INSURANCE
 SHORT TERM DISABILITY COVERAGE
 LONG TERM DISABILITY COVERAGE
 INCOME REPLACEMENT LIMITS
©2020 Enhanced Solutions Advisors, LLC

18. #3
Liabilities
Management
______________
Do you have healthy
money management
skills?
Do you know your
financial wellness
ratios?
Net Worth =
Assets (what you own) – Liabilities (what you owe)
 Liabilities reveal a lot about your relationship with money
 Liabilities become problematic if they significantly exceed your assets,
this causes a negative net worth
Liabilities can cause problems by interfering with your ability to
pursue financial goals, like saving for retirement or building up an
emergency fund
The type of debt you incur is also an important factor
Some liabilities can help increase your net worth over time
home mortgages, business loans, or student Loans
Other liabilities don’t add to your net worth
credit card debt from buying clothes and dining out
Using Debt Wisely is a Key Driver in Creating
Wealth Alpha™
©2020 Enhanced Solutions Advisors, LLC

19. Liabilities Management Wellness Ratios
 Asset to Debt Ratio = Total Assets/Total Liabilities
 Compares assets accumulated against liabilities
 Want this to be rising over time (years)
 Liquidity Ratio = Cash/Monthly Committed Expenses
 Ability to meet committed expenses in an emergency
 3-6 is the minimum recommended
 Debt Service Ratio = Short-term Liabilities/Total Income
 Percentage of income being used for debt repayment
 Lower Ratio = Better Debt Management
 Saving Ratio = Monthly Surplus/Monthly Income
 Percentage of your income being saved
 Higher Ratio = Better Money Management Skills
©2020 Enhanced Solutions Advisors, LLC

20. #4
Cash Flow
Management
______________
Do you spend less
than you make?
Do you know what
your bank balance will
be in 6 months?
Positive Cash Flow is a Key to Financial Wellness
 Net Worth Statement is a snapshot in time
 Personal balance sheet on a given day
 Cash Flow Statement is a management tool
Similar to a budget or escrow analysis
Shows timing of income & expenses
The When, Where, & Why of your cash flow
When are inflows received & Where from?
When are outflows due & Where to?
Creating and Using a Cash Flow Statement is a
Key Driver in Creating Wealth Alpha™
©2020 Enhanced Solutions Advisors, LLC

21. #5
Retirement or
Business
Succession
Planning
______________
_
What does life
after “work” look
like for you?
 WHEN DO I WANT TO “RETIRE”?
 ESTABLISHES TIME HORIZON FOR PLANNING
 WHERE DO I WANT TO LIVE?
 Cost of living can vary wildly
 HOW DO I WANT TO SPEND MY TIME?
 BUCKET LIST
 ACTIVITIES YOU ENJOY NOW OR WANT TO TRY
 WHAT DO YOU WANT SAID AT YOUR EULOGY?
 HOW DO I FUND THAT VISION?
 ESTIMATE EXPENSES
 ESSENTIAL – THE MUST HAVE LIST
 DISCRETIONARY – THE NICE TO HAVE LIST
 IDENTIFY INCOME SOURCES
 GUARANTEED – PENSIONS, SOCIAL SECURITY
 VARIABLE – DIVIDENDS, INTEREST, CAPITAL GAINS
 DISCRETIONARY – WORK OR ADDITIONAL SAVINGS
Having a Financial Plan is a Key Driver in Creating
Wealth Alpha™
©2020 Enhanced Solutions Advisors, LLC

22. #6
Distribution at
Death
______________
Have you left
behind a Legacy or
Labor for your
family?
Estate Planning is important – for everyone,
not just people with large estates!
 Proper planning not only minimizes taxes & expenses associated with
distributing assets at death, it also:
 Helps ensure your estate is distributed according to your wishes
 Outlines preferred medical treatment in cases of incapacity
 Designates who manages your assets during your incapacity
 Proper estate planning also helps reduce or eliminate probate costs
associated with distributing your assets at death
 If you care for children or incapacitated family members:
 it is crucial for you to have the proper documents in place to name
the guardian of those loved ones
 Without a document directing your choices it is up to the court to
decide who is best to care for those loved ones
 Even with a proper estate plan in place, it should be reviewed every 2-3
years to assure it still fulfills your needs and legacy plan
Communication of your wishes is a Key Driver in Creating
Wealth Alpha™
©2020 Enhanced Solutions Advisors, LLC

23. 4 Ways Assets Pass to Heirs
Contract
By Contract
• Cases where there is a
named beneficiary on
the account of the
deceased
• Example: Life
Insurance, IRA’s,
Qualified Retirement
Plans, Pensions,
Annuities, and
accounts that have a
Payable on Death or
Transfer on Death
designation on them
Law
By Law
• Cases where the titling
on the account names
a joint owner who
automatically receives
the asset at the other
owner’s death
• Example: account titles
Joint tenants w/right of
survivorship or Joint
tenants by the entirety
(reserved for married
couples)
Trust
By Trust Terms
• Assets passing by Trust
Terms are those that
are directed by the
terms of a Trust.
• Those can take the
form of Revocable
Trusts or Irrevocable
Trusts
• By placing the assets
subject to the Trust
terms, timing & amount
of distributions can be
controlled to protect the
assets
Probate
By Probate
• This process is how
any assets distributed
via your Will are
handled.
• This process is public.
• There are fees and
expenses associated
with this process.
• The fees and expenses
associated apply –
even to small estates.
©2019 Enhanced Solutions Advisors, LLC

24. Documents Needed for your Plan
Will
Power of Attorney
• Financial or General Power of Attorney
• Medical Power of Attorney
Living Will – Advanced Medical Directives
Revocable Trust – Basic Planning Trust
• May include testamentary trusts: credit shelter or marital deduction
Additional Planning Trusts – Not needed for every Plan
• Irrevocable Life Insurance Trust
• Spousal Lifetime Access Trust
• Other Irrevocable Trust: Special Needs, Dynasty, etc
Do I have all of these in place?
Have they been reviewed in the last 3-5 years?
©2020 Enhanced Solutions Advisors, LLC

25. #7
Tax Planning
______________
Are you paying the
least amount of taxes
you can?
Tax Planning with Intention
 What are the rules and laws that
apply to my situation
 How can I adjust my situation to take
advantage of savings afforded me?
Understanding how you are taxed and
what breaks, credits, or deductions you
qualify for is a Key Driver in Creating
Wealth Alpha™
©2020 Enhanced Solutions Advisors, LLC

26. #8
Goal Setting
_____________
_
What do I do with all
this information?
How do I
get there?
Who do I have on my bus?
What is the most efficient path to my goals? How
do I overcome roadblocks?
What is your
definition of
success?
What is “enough” for you?
What does your ideal tomorrow look like?
What lifestyle
do you want to
live?
Are you living it now or is it something you aspire
to?
Why do you
work so hard?
What matters most to you?
©2020 Enhanced Solutions Advisors, LLC

27. Summary
______________
Have I set myself up
for optimal chance of
achieving my
personal definition of
success?
 8 Key Pillars to Wealth Alpha™:
1) Investment Planning
2) Risk Management
3) Liabilities Management
4) Cash Management
5) RETIREMENT PLANNING OR BUSINESS SUCCESSION PLANNING
6) DISTRIBUTION PLAN AT DEATH
7) TAX PLANNING STRATEGIES
8) GOAL SETTING
 Discuss changes with your advisors:
 Plan to take advantage of new provisions
 Adjust estate & financial plans as life changes
 Savings found can make funds available for other goals
 Map Route For Your Bus to Follow in Reaching Your Goals!
©2020 Enhanced Solutions Advisors, LLC

28. How Do I Get
Started?
Who is on your Wealth Alpha™ bus?
• Who is on my Financial Wellness team?
• Who do I need to add to my team?
Take
Stock
Apply a unique resource to your Goals:
One way in the next 30 days
• How can I apply a unique resource I have to help reach my
Financial Wellness goals?
Apply
Resources
Discuss 3 things from the session with your advisor
• Discover ways to maximize your savings
• Discover ways to plan for the year ahead
Discuss
©2020 Enhanced Solutions Advisors, LLC

29. Putting Goals
into Action
___________
Do you want
help getting
started?
Your
Wealth
Alpha™
Enhanced!
1 Day
Workshop
Retreat
Online
Learning
1:1
Coaching
©2020 Enhanced Solutions Advisors, LLC

30. Learn More
_____________
_
Which way do I
prefer to learn?
1:1
Coaching
Personalized for your situation
1x conversation or topic deep dive
Start at any time
Weekend
Retreat
Getaway
Retreat Style, Learning in Luxury
5 Days: Thursday to Monday
November in Florida
One Day
Local
Workshop
Focused Session to get you jump started
1 Day
Next Virtual Workshop May 20th
Online
Mastermind
 12 topics: 8 Key Drivers, 4 Timely Topics
 1 topic covered every month
 Next group starts April 15th
©2020 Enhanced Solutions Advisors, LLC

31. For More Information,
info@enhanceyouralpha.com
_________________________________
or visit
www.enhanceyouralpha.com
©2020 Enhanced Solutions Advisors, LLC

32. Thank you for attending!
Please don’t forget to give us your
feedback! 
Renee’ Caputi
Enhanced Solutions Advisors, LLC
www.enhanceyouralpha.com
©2020 Enhanced Solutions Advisors, LLC

33. ©2019 Enhanced Solutions Advisors, LLC