KURT CARRASQUILLA

Vice President – Financial AdvisorSenior Investment Management Specialist

Wealth ManagementSeptember 15, 2010

Where Did We Come From?

Stock Broker

Lone Ranger

Specialist

Dying Breed Bud Fox - Wall Street 1987

Cash Flow

• Pre-Retirement & Retirement Cash • Flow Modeling • Debt Management Review

Integrated Financial Guidance Based on Investor Goals

Wealth Transfer & Protection

• Appropriate Documents in Place• Estate Tax Minimization • Wealth Transfer Design• Gifting & Charitable Planning

Insurance

• Wealth Replacement Strategies• Survivorship & LT Care• Comprehensive Insurance • Coverage Review

Investment

• Investment Policy• Asset Allocation & Diversification • Tax Sensitive Recommendations• Strategy for Liquidity

Income Tax • Projections for Tax Efficiency• Effect of Changing Tax Laws• Reduction & Timing Strategies

Retirement

• Capital Sufficiency Analysis• Benefits Elections & Payout Planning• Cash Flow Sufficiency & Tax Minimization

Benefit & Stock Option

• Benefits Maximization • Timing of Exercises• Option Financing Alternatives• Hedging Strategies

Source: Fifth Third Bancorp

What Is Wealth Management?

Who Are The Players?

What Do HNW Clients Want?

Intelligent Advisors Responsiveness Team Approach Market Tested Experience

What Do HNW Clients Want?

No Selling Visionary Access To Everything Connections

How Do You Gain Entry?

Internship MBA Support Function Align With Sr. Advisor Additional Credentials Network - Alumni

The Copper Beech Tree

Family Wealth - Keeping It in the Family by James E. Hughes, Jr.

If you don’t know what a copper beech tree looks like and you want to see one, go to Rhode Island and look in the front yards of many Newport mansions. When fully mature, a copper beech tree is the largest tree in the northeastern forest. It is a huge gray tree with a beautiful crown of copper-colored leaves that needs five or six adults, or ten children, holding hands to ring its trunk. Once mature, a copper beech tree will live for centuries. Why is this beautiful tree my favorite metaphor for successful long-term wealth preservation by a family? First, think of the courage it takes to plant a tree that takes 150 years to mature. No one who plants the tree will ever see it full grown. Second, someone must invest love and patience to nurture it. Think of the hurricanes, ice and snow, pests, and fire that may consume the tree while it is too young to withstand those hazards. It needs help to survive these threats. Third, as it matures it has to contend with humans who want to cut it down for its wood, and with governments that want to put a road or a new housing development where it stands. The issues the growing tree faces parallel those in the unfolding life of a family.

Wealth Management Team Jordan Walters, CPA, MBA, BS

Kurt Carrasquilla, MBA, BS

Lawrence Lo, BS

Joe Bummer, BS

Nick Chin, BS

Ben Chan, BS (May 2011)

Darrick Yong, BS (May 2011)

What We Do For Clients

Financial Planning

Coordinate With CPAs, Attorneys etc.

Investment Management

Family Dynamics - Wealthy Children

What We Do For Clients

Blocker

Sounding Board

First Call

Psychologist

Q & A

THANK

YOU!