Shulman DeMeo Asset Management LLC is a fee-based financial planning and asset management firm with over 25 years of experience. They provide integrated financial planning and advisory services to address clients' broad financial needs. Services include financial planning, investment management, tax strategies, estate planning, and risk management. They maintain a limited client roster to ensure outstanding customer service. Client assets are held by Charles Schwab and not taken custody of by Shulman DeMeo. Their mission is to help clients achieve their unique goals through managing assets, protecting wealth, and building financial legacies.

1. Shulman DeMeo Asset Management LLC
Registered Investment Advisor
FINANCIAL PLANNING & ASSET MANAGEMENT
3000 Marcus Avenue, Suite 3W1, Lake Success, NY 11042 (516) 708-9955

2. Who we are
Shulman DeMeo Asset Management is a planning and money management practice with over 25 years of
experience. As a fee-based advisor, our success is directly tied to the financial well being of our clients and our
sincere commitment to servicing their needs and concerns.
We are a “boutique” firm specializing in giving a personal detailed approach to each and every one of our clients.
What we offer
Shulman DeMeo Asset Management provides integrated fee-based advisor and asset management services to
address the broad financial needs of individual client households. Fee-Based Independence means that we remain
unbiased in our advisor-client relationship. Fee-Based is more than a description of compensation; it dictates that
our interests are naturally aligned with yours, as our primary intent is to professionally serve you and retain you as
a life-long client.
Designed for the client who needs ongoing advice, we will coordinate your entire financial plan. Services under
our wealth management program include the services necessary to review, design and implement your
investment plan in conjunction with your financial plan.
We can also evaluate, recommend, monitor and report on other assets that you would like to remain invested
where they. Some examples include a company 401(k), 403(b) or other retirement plan and variable annuities.
Services include: financial planning, discretionary investment management, tax strategies, estate planning, & risk
management. In addition, we will interact with your other advisors—such as your attorney, accountant, and
mortgage broker—to make sure that proper planning is done and effective implementation takes place. We can
either work with your existing advisors or provide referrals to those we work with regularly.
Our commitment to service
Whenever you have questions or concerns, you can be confident that we are available to discuss any issues that
may arise. We choose to maintain a limited number of clients so that we are always able to provide outstanding
customer service.
Where your assets are held
Shulman DeMeo Asset Management never takes custody of a client’s funds. All funds are held by Charles Schwab.
Schwab is a leader in the financial services industry, serving independent fee-based advisors and their clients.
Schwab provides monthly account statements and clients can access their account information at schwab.com.
Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk,
and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments
and/or investment strategies recommended or undertaken by Shulman DeMeo Asset Management, LLC), or any non-investment related content,
made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s),
be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or
applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion
or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Shulman DeMeo
Asset Management, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her
individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Shulman DeMeo Asset Management, LLC
is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting
advice. A copy of the Shulman DeMeo Asset Management, LLC’s current written disclosure statement discussing our advisory services and fees
is available for review upon request.
Shulman DeMeo Asset Management LLC

3. Clients use our services because of the value we bring to their financial lives.
Our job is to advise each client as they move down their financial path, help
them adapt to changing situations and be their trusted advisor.
OUR MISSION
To help our clients achieve their own unique goals by managing their
assets, protecting their wealth and building their financial legacies.
OUR APPROACH
We serve our clients with a consultative, team-based approach that
examines all aspects of their financial lives. We put our clients’
interests above our own and those of our firm.
OUR OBJECTIVE
To maintain the highest standards of integrity and professionalism in our
relationship with you, our client. To know and understand your financial situation
and provide you with only the highest quality information, services and products to help you
reach your goals.
Shulman DeMeo Asset Management LLC

4. WORKING WITH SHULMAN DEMEO
Phase 1
THE FINANCIAL PLAN
We will bring all of the pieces of your financial life together. We will evaluate all of your
finances and determine a personalized course of action that encompasses both your short and
long-term goals. You will be presented with a written plan along with Shulman DeMeo’s
recommendations for achieving your goals.
Phase 2
ONGOING FINANCIAL PLANNING & ASSET MANAGEMENT
Shulman DeMeo will design a personalized investment plan in conjunction with your written
financial plan and risk tolerance. We make regular adjustments in response to market
variations and major life events, keeping you on track toward your financial goals.
Shulman DeMeo Asset Management LLC

5. FINANCIAL PLANNING PROCESS
Financial Planning is a systematic way of organizing your financial affairs in the most effective
and efficient manner in order to achieve your life goals. This process involves gathering
relevant financial information, examining your current financial status and coming up with a
strategy or plan on how you can meet your goals given your current and projected situation.
The planning process will help educate you and help you understand the financial decision that
you make going forward.
Step 1. Understanding Your
Objectives & Reviewing
Our Planning Process
Step 2. Gathering Data &
Reviewing Your Goals
Step 3. Assessing Your Financial
Situation & Determining
How Goals Can Be Achieved
Step 4. Presenting Our Financial
Planning Recommendations
& Your Written Financial Plan
Shulman DeMeo Asset Management LLC

6. STEP 1 - REVIEWING OUR PLANNING PROCESS
During the initial meeting we will:
• Discuss your goals
• Differentiate your needs from wants
• Explain how the planning process works
• Discuss the services that Shulman DeMeo Asset Management can provide
Shulman DeMeo Asset Management LLC

7. STEP 2 - GATHERING OF CLIENT DATA &
REVIEWING YOUR FINANCIAL GOALS
During the follow up meeting we will discuss:
• Income
• Expenses
• Employee benefits
• Assets & liabilities
• Current estate planning
• Retirement goals
• Current risk management
• Risk tolerance
Shulman DeMeo Asset Management LLC

8. STEP 3 - WHAT WILL IT TAKE TO ACHIEVE YOUR GOALS
A Financial Plan will be created to determine:
• Net worth
• Retirement surplus or deficits
• Education planning projections
• Risk management needs
• Income tax analysis
• Current investment allocation
• Estate tax situation
Shulman DeMeo Asset Management LLC

9. STEP 4 - PRESENTING FINANCIAL PLANNING RECOMMENDATIONS
• Retirement
• College Funding
• Investments
• Estate Planning
• Risk Management
• Budget & debt management
Shulman DeMeo Asset Management LLC

10. ESTATE PLANNING
You have worked hard to create the wealth you have attained. It is now time to make sure your
estate plan can protect it, not simply for you and your spouse, but for generations to come.
We will guide you through an independent review of your current estate plan. The
comprehensive review includes, but is not limited to:
• Wills
• Insurance Trusts
• Gifting Strategies
After reviewing your current estate plan, we will present recommendations on how you can
best protect your wealth as you transfer it to following generations. The findings will not only
deal with protecting your estate by minimizing taxes, but also forming the appropriate
structures to protect it from potential future creditors.
Shulman DeMeo Asset Management LLC

11. RISK MANAGEMENT SERVICES
Managing the risks that can threaten your financial well-being is every bit as important as
saving and investing toward your goals. That is the role of insurance in a financial plan.
Insurance is a provision for the unexpected events that, if not prepared for, could hinder the
pursuit of your goals. Being insured is not only a wise financial decision, but a responsible
personal act that provides you and those who depend on you’re a genuine sense of security.
The type and amount of insurance you need, is best determined by an analysis of your personal
and financial situation, as well as your financial goals and objectives. Don't buy more insurance
than you need, but have enough insurance to protect your income, your dependents and your
assets.
Shulman DeMeo offers the following insurance products to meet a wide array of needs,
including:
• Life Insurance (Personal) – to support your survivors financial needs in the event of your
death
• Life Insurance (Business) – to protect a business from the loss of a key executive
• Disability Insurance – to help replace income, should you be unable to work
• Long Term Care Insurance – to help pay for assistance of daily living
In addition, if you have any existing personal or business insurance policies, we will gladly
review them to make sure that the coverage you have is appropriate for your needs.
Shulman DeMeo Asset Management LLC

12. RETIREMENT PLAN DESIGN & MANAGEMENT
• 401(k) / Profit Sharing Plans
• New Comparability Plans
• Plans Integrated with Social Security
• Combination Profit Sharing/401k
• One Person 401(k)
• Defined Benefit Plans
• Traditional
• Cash Balance
• Simplified Employer Pension Plans (SEP)
Our 401(k) and pension clients are offered a wide variety of no-load mutual funds in addition to
individual brokerage accounts actively managed by Shulman Demeo.
Our program offers a broad range of services featuring an unparalleled combination of
documents, communication, investments and administration.
Shulman DeMeo Asset Management LLC

13. ASSET MANAGEMENT & PLANNING SERVICES
With thousands of investments to choose from, finding the right one, or combination of
investments, can have a significant impact on your degree of success. Shulman DeMeo has the
knowledge and resources necessary to help you find the investments that best suit your needs.
Whether you're investing toward a secure retirement, starting a college savings plan for a child,
rd
or simply interested in accumulating additional assets for future needs, it's our job to help you
clearly define both your short- and long
long-term goals.
Account
Monitoring &
Rebalancing
•Trades
•Stop Orders
Market
Ongoing
Asset Research
Financial
Management •Fixed Income
Fixed
Planning
•Equities
Equities
Customer
Service
•Account
Maintenance
•Deposits /
Withdrawals
Shulman DeMeo Asset Management LLC

14. IMPLEMENTATION AND DELIVERY OF SOLUTIONS
• Transferring of your accounts
• Contacting your prior custodian
• Inventory control check
• Cost basis updating
• Problem position transfers
• Reorganizing your account
• Insurance underwriting
Shulman DeMeo Asset Management LLC

15. ASSET MANAGEMENT SERVICES
• Daily account monitoring
• Discretionary trade execution & settlement
• Stop-order updates
• Research
• Account rebalancing
• Customer service (withdrawals, deposits, etc.)
• Performance reporting
• Tax reporting
• Daily analysis of equity positions (10, 20 & 50 day moving averages)
• Daily monitoring of financial markets
• Fixed income inventories
• Credit analysis of banks
• Unique orders (limit, fill, kill, etc.)
• Specialty areas (energy, MLP’s, etc.)
Shulman DeMeo Asset Management LLC

16. ONGOING FINANCIAL PLANNING
• Ongoing discussions of current financial situation
• Monitoring of your financial plan
• Reassessment of risk tolerance
• Capital expenses
• Changes in family status as it relates to estate planning
• Updating your financial plan as needed
• Health concerns
• Tracking of Economic Trends
• Tax rate law changes & government regulation changes
• Pension contribution and analysis
Shulman DeMeo Asset Management LLC

17. A successful client relationship is based on trust, understanding and open communication.
This is what we strive to achieve with every client relationship.
Jason H. Shulman
Managing Member
25 Years of industry experience
Areas of Expertise
• Individual Financial Planning
• Business Financial Planning
• Pension Plan Design
• Risk Management
Enjoys coaching baseball & golf
James N. DeMeo
Chief Financial Officer
25 Years of industry experience
Areas of Expertise
• Portfolio Management
• Investment Research
Enjoys golf and travel
Shulman DeMeo Asset Management LLC

18. CONTACT INFORMATION
Jason H. Shulman 516-708-9955
Managing Member jhs@sd-assetmanagement.com
James N. DeMeo 516-708-9954
Chief Investment Officer jnd@sd-assetmanagement.com
Raymond Bickhardt 516-708-9953
Operations Manager rcb@sd-assetmanagement.com
Dawn Bodami 516-708-9967
Client Relationship Manager dmb@sd-assetmanagement.com
Registered Paraplanner SM
Amanda Aghabekian 516-708-9955
Administrative Assistant ama@sd-assetmanagement.com
Shulman DeMeo Asset Management LLC
3000 Marcus Avenue, Ste. 3W1
Lake Success, NY 11042
Fax: 516-708-9951
www.sd-assetmanagement.com
Shulman DeMeo Asset Management LLC