Roy Williams founded Prestige Wealth Management Group to provide personalized CFO services including comprehensive financial planning, tax planning, investment management, retirement planning, estate planning, and insurance. The document emphasizes listening to clients to understand their unique goals and situations, then developing a customized and holistic plan. It highlights services like in-house financial planning, tax preparation, and estate planning to ensure all aspects of clients' financial lives are addressed. The goal is helping clients achieve financial security and independence to focus on their priorities.

1. PRESTIGE
Wealth Management Group
Your Personalized CFO
FAMILY | TRUST | RESPECT
Only Retire Once

2. Over 30 years ago, I began my career in financial services working for
a large institution. I routinely saw families financial lives crumble as they
encountered unexpected circumstances that their financial plan failed
to account for. Lacking in-house accountants or estate planners, I saw
advisors focusing on selling investments while paying little attention
to a client’s tax situation, estate plan, or creating adequate protection
necessary to safeguard against unexpected misfortune.
This led me to start my own business with the belief that these
cornerstones, among others, are equally as important as an efficient
portfolio or money management. Through our Personalized CFO
services, we offer in-house tax planning and preparation, retirement
planning, investment management, estate planning, risk management
strategies, and more to ensure that your family has a stress tested
financial plan to help you achieve financial independence so you can
focus on living your life.
Our singular focus is you. We pro-actively navigate complicated
financial issues to keep the focus on what is important to you. Along
the journey we continually adjust for shifting financial conditions to
keep you on course to achieving your financial goals.
We are committed to providing our clients with the highest level
of personal service and expert financial guidance. Prestige Wealth
Management Group stands ready to help you realize your dreams!
Roy Williams, ChFC®
President & Founder
Roy Williams, ChFC®
President & Founder
Welcome to Prestige Wealth Management Group
Roy Williams, President & Founder of
Prestige Wealth Management Group, is
ranked as one of the top Independent
Advisors by leading publications. Highly
regarded in his field, Roy has achieved
numerous industry accolades.
Barron’s Magazine has named Roy
Williams to their top 1,200 Advisors list.
This is the fourth time he was included
in their exclusive list of Advisors.1
For the second year running, Roy was
named one of theTop 100 Independent
Advisors in America by Registered Rep.
Magazine.2
Roy is often sought out by the national
and local media for his experience and
knowledge of financial matters. His
insights appear inTheWall Street Journal,
MarketWatch.com, BusinessWeek,
and locally in The Star-Ledger and The
Hunterdon County Democrat.
He is a frequent guest on CNBC. Please
visit our website to view his recent
appearances on Squawk on the Street,
Power Lunch and Closing Bell.
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“After all, we have no more
important responsibility than
managing as best we can the
money we earn so that it
supports our family’s needs
today while funding the
future life we envision for
ourselves and those we love.”
- Roy Williams

4. It all starts with you.
The first thing most financial advisors will want to know is “What do you have?”.
Prestige Wealth Management Group is different. We ask, “Where do you want
to go?”. After all, only when a destination has been determined can a map be
drawn to get you there.
It’s really about understanding you and your family’s lifestyle, wishes, and goals.
Only with a clear understanding of what is important to you and your family, can
we construct a detailed plan that is designed to achieve your wealth management
and life goals.
However, developing the plan is just the start of the process. In order to be
effective, the plan must be constantly monitored and updated to reflect new
developments in your life. Our dedicated team of professionals are always
available to pro-actively address questions and ensure that every aspect of
the plan is clearly understood, closely monitored and effectively implemented.
Yes, we protect and grow wealth. But what we really do is empower you
to realize the dreams and goals that are important to you.
So. Where would you like to go?
“No one’s ever achieved financial
fitness with a January resolution
that’s abandoned by February.”
- Joe Blow
Ask yourself, “where should my plan take me?”
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5. Avoid the 9 deadly Retirement mistakes
Each Day 10,000 Baby Boomers Retire.
Americans reaching retirement age will continue in a steady march,
unabated for the next 19 years. Unfortunately, nearly half of today’s
workers seriously doubt their ability to retire comfortably and a
record number of Americans, more than a quarter, have pretty
much given up on the idea of ever achieving anything close to what
previous generations would call a comfortable retirement.
Only Retire Once begins with the most practical questions such as
when, how and where to retire? It asks its readers to discard the
commonly held idea that expenses will be less in retirement and
discusses our tendency to avoid thinking about life’s curve balls and
how the unexpected might impact our best-laid plans.
Woven throughout the book’s practical and timely advice are
engaging stories that illustrate the book’s main concepts and
recommendations taken directly from Roy’s vast client experiences.
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Only Retire Once
by Roy Williams, ChFC®
President and Founder,
Prestige Wealth Managment Group
Available on Amazon.com
and at www.onlyretireonce.com
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“This book unlocks
the secrets of successful
retirement planning”
- James N. Dimonekas,
President,
WORTH Magazine

6. We recognize you are unique! Where you have been is almost as important as where you want to
go. We take the time to listen so we can learn about you and your family. We want to learn what is
important to you? What do want to achieve personally and financially?
Only when we have a clear understanding of who you are and where you want to go, do we begin
to analyze your current financial situation. Then we really go to work – developing, implementing and
monitoring every detail in order to maintain focus on your personal financial goals. All along the way
we communicate with you, as we adjust strategies resulting from changes in market conditions or in
your own personal goals. Put the power of Prestige Wealth Management Group to work for you.
Our process ALWAYS starts with listening
Listen
Analyze
Plan
Monitor
Communicate
We START by listening.
We learn about your
personal goals
and dreams
We analyze
your entire
financial situation
including: Investments,
retirement, taxes, estate
plans and insurance needs
Utilizing our in-house CERTIFIED
FINANCIAL PLANNERTM
Professionals,
we prepare and implement a customized
financial plan designed to develop an
investment portfolio that is independent
and tailored to your needs
Prestige Wealth
Management Group
constantly monitors
and adjusts your
personal plan to
account for any market
or personal changes
We communicate with you
through regular meetings,
events, reports and
webcasts to keep
you informed
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7. “Wealth is the ability to
fully experience life.”
- Henry David Thoreau
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8. Personalized CFO services
Wealth
Management
Financial
Planning
Tax Planning
Investment
Management
Retirement &
Income
Planning
Estate
Planning
Insurance
& Risk
Management
Our Personalized CFO Services provides exclusive customized planning solutions and a first-class client
experience to high net worth individuals, families and business executives. PrestigeWealth Management
Group understands that a holistic approach to wealth management encompasses so much more
than just investments. We recognize the importance of numerous considerations when planning and
implementing your personal wealth management program.
Our financial experts work in unison based on your income, investments, tax ramifications, insurance
and risk factors, and SO much more. We constantly monitor portfolio progress and adjust as necessary
to make sure it is appropriate for your financial plan. We provide the highest level of service as we work
toward the goal of our client’s financial security and legacy. Isn’t that what you really want from your
wealth management company?
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9. Financial Planning
• Your financial plan is developed by our in-house CERTIFIED FINANCIAL PLANNERTM
professionals.
• Cash flow analysis to evaluate your cash flow needs before and during retirement
• Monte Carlo analysis projects the probability of successfully funding your retirement
• Portfolio asset allocation to mitigate risk while striving to achieve your goals and objectives
• Education planning – tax efficient vehicles to save for college tuition
Investment Management
• Independent, unbiased financial advice
• Proprietary Portfolio Solutions
• Access to all types of investment products
• Investments matched to your needs and goals
• Proactive Asset Management Process
• Allocations for 401(k)s and deferred compensation plans
• Online aggregation of all your accounts for easy viewing and accurate planning
• Strategies for stock options, restricted stock and concentrated positions
• Proactive re-balancing as financial conditions and personal goal evolve
“No one’s ever achieved financial
fitness with a January resolution
that’s abandoned by February.”
- Joe Blow
Personalized CFO services
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10. Retirement Income & Distribution Planning
• Analysis and determination of your retirement income needs
• Retirement plan review and analysis
• Recommendations for the best distribution strategy from your retirement plans and IRAs
• Pension distribution recommendations – lump sum, life and survivorship option
• Social Security election timing – single benefit vs. spousal benefit options
Tax Planning & Preparation
• Proactive tax planning, tax preparation and investment advice integrated under one roof
• Complimentary review of tax returns by our CPA and the accountants of PW Accounting Group
• Management of capital gains and losses to minimize taxes
• Business entity selection and formation services (LLC, S-co etc.)
• Business planning services and bookkeeping
Estate Planning
• Review of any current will and trust documents from our in-house Estate Planner
• Techniques to reduce your estate taxes
• Review of beneficiary designations and asset titling
• Establishing an Inherited IRA to continue your IRA for 70 years or longer
• Assistance with the necessary financial steps to take upon the death of a loved one
• Estate tax preparation
Risk Management & Insurance Planning
• Review property and casualty insurance exposure
• Provide insurance and protection recommendations and solutions
• Review options for life & health insurance, fixed & variable annuities, and long-term care insurance
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11. Learn what makes Prestige Wealth Management Different.
What makes Prestige Wealth Management different? In a word... it’s “You”. Every member of
the PWM team is focused on your success. Achieving success is all about experience, solid
planning, and communication. We understand that we succeed only when our clients succeed.
We have built our reputation on this simple philosophy.
As a PWM client, you also receive:
A complimentary Estate Plan & Tax Review
Proactively Scheduled Review Meetings
- Scheduled by your Client Relations Manager
Financial Updates and Articles- From our Investment Policy Committee
Newsleters and Webcasts- to keep you educated and well informed
Client Appreciation Events- Social gatherings and seminars to
educate and socialize
Tax and Financial Reports- We help you keep everything organized
and in one place
We look forward to having the chance to work with you.
Through a complimentary consultation, our team
of professionals will be happy to learn more
about your situation and assist you in
developing an appropriate plan
to help you achieve
your life’s goals.
Let’s have a conversation today.
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12. PRESTIGE
Wealth Management Group
Your Personalized CFO
FAMILY | TRUST | RESPECT
A registered SEC investment advisory firm. Securities offered through Triad Advisors, Inc. Member FINRA/SIPC
IMPORTANT DISCLOSURE INFORMATION
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies
recommended and/or undertaken by Prestige Management Group) or any investment-related or financial planning consulting services, will be profitable, equal any corresponding indicated historical performance level(s), or prove
successful. It remains the client’s your responsibility to advise Prestige, in writing, if there are any changes in the client’s personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising Prestige’s
previous recommendations and/or services, or if the client would like to impose, add, or to modify any reasonable restrictions to Prestige’s services. A copy of Prestige’s current written disclosure statement discussing its advisory
services and fees is available upon request.
Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Prestige
Wealth Management Group, LLC is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Prestige Wealth Management Group, LLC by any of
its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.
800-743-4768
www.prestigewmg.com
31 State Route 12, Flemington, New Jersey 08822 • 908-782-0001 • Fax 908-782-4168
Schoolhouse Plaza, 374 Millburn Avenue, Millburn, NJ 07041 • 973-532-6770 • Fax 973-218-1452