Paramount - Cornerstone Benefit Plans,...

ParamountP L A N N I N G G R O U P

a division of AXA Advisors, LLC

Del iver ingI N N O V A T I V E S T R A T E G I E S

for Your Needs

PPG-56000 (8/10) Cat. #129920 (8/10)

G24

911

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here are a seemingly infinite number of financial strategies available to

you. Tailoring the ones that work best for your situation requires personal

attention, a depth of resources and, most importantly, the right guidance from finan-

cial professionals who are recognized as among the best in the industry. That’s

where we come in.

The Paramount Planning Group (PPG) is comprised of the most distinguished,

innovative and respected financial professionals affiliated with AXA Advisors, LLC.1

Many hold advanced degrees, such as an MBA, and professional designations

like Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC)

and CERTIFIED FINANCIAL PLANNERTM (CFP®) professional. PPG members are highly

experienced at meeting the special needs of affluent individuals, corporate

executives and business owners.

With an average of 20 years of professional financial experience, PPG members

understand the complex financial issues facing affluent individuals and offer

sophisticated strategies to help clients work toward their financial goals. Many

key executives of leading corporations are clients of our Paramount Planning Group

members.

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1 The financial professionals of the ParamountPlanning Group offer securities through AXAAdvisors, LLC, member FINRA and SIPC.Paramount Planning Group is a division of AXA Advisors, LLC.

CFP® and CERTIFIED FINANCIAL PLANNERTM

are certification marks owned by the CertifiedFinancial Planner Board of Standards, Inc.These marks are awarded to individuals who suc-cessfully complete the CFP Board’s initial and ongoing certification requirements.

A U N I Q U E A P P R O A C H F O R Y O U R U N I Q U E V I S I O N

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T H E P R E M I E R F I N A N C I A L S E R V I C E S Y O U W A N T

our goals and dreams are unique to you, and the avenues for addressing

your financial objectives may seem almost limitless. With so many possibilities,

you need to make sure that you’re heading in the right direction — particularly

if you’re trying to meet personal, family or business goals. You want to be

ready to respond quickly to changing personal circumstances and economic con-

ditions. That’s why many people choose professional assistance to help

them define their goals and to guide them through the array of financial options

to help meet these goals.

As AXA Advisors’ foremost group of financial professionals, members of the

Paramount Planning Group recognize and understand the complex financial

issues that face affluent individuals and challenge even the best of their

financial advisors.

PPG financial professionals are proficient at dealing with complicated

situations. Through a collaborative relationship, we’ll help you assess your

dreams and aspirations, and identify and prioritize your short- and long-term

goals. Then we’ll provide you with the necessary information you need to

make important decisions and address the most intricate financial concerns.

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A W E A L T H O F R E S O U R C E S A T Y O U R D I S P O S A L

aramount Planning Group provides input for product design to help meet

the wealth protection, asset allocation, financial and estate conservation needs

of high-end clients. PPG members have access to a dedicated support team

of specialists throughout the company, including attorneys, CPAs and CFP®

practitioners, who can provide advanced assistance in:

�Case design

�Underwriting expertise

�Customer service

�Tax and Legal Research

Furthermore, our members offer the life insurance and annuity product portfolio

of AXA Equitable Life Insurance Company, as well as insurance products from a

variety of unaffiliated financial companies through an insurance brokerage

affiliate, AXA Network, LLC and its insurance agency subsidiaries. Plus, you’ll

have access to investment management services and a wide variety of mutual

funds from numerous leading investment companies through AXA Advisors,

LLC.

This extensive range of excellent products and services provides a breadth

and depth of options in helping you work toward your financial objectives.

AXA Advisors and its affiliates and associates do not provide legal or tax advice.

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C U S T O M S T R A T E G I E S T O M E E T Y O U R P E R S O N A L N E E D S

carefully planned investment and insurance strategy can help you work

toward your life, retirement and estate goals. As a client of a Paramount

Planning Group member, you can establish a personal relationship with a knowl-

edgeable financial professional — a trusted resource who will take time to under-

stand your unique investment objectives and who can provide access to the

capabilities of a global company.

Together, we can define a strategy to help you build your financial future.

You’ll have access to leading investment and insurance companies’ products,

and the information you need to make informed decisions about:

Individual Risk Management — We offer a variety of strategies designed to

assist you in working toward your short- and long-term financial needs. We do

so through an implementation of products and services that may include life

insurance, annuities, disability and long-term care insurance, health insurance

and business planning.

Financial Strategies — We can help create a financial strategy that looks at your

total financial picture and gives you a comprehensive, recommended road map

for organizing and addressing your major financial objectives, whether it

be saving for retirement, education funding, addressing your investment goals or

leaving a legacy for your heirs.

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We give you access to the

investment management experience of many of the country’s top money

managers. This breadth of product and service offerings enables you to pursue

a broad spectrum of investment objectives, including long-term growth of capital

and current income. Using a potential combination of annuities, IRAs, employer-

sponsored retirement plans and other strategies, we can help you plan for finan-

cial independence and long-term security.

We work with your

attorney and/or tax advisor to help design an effective estate plan incorporating

your financial objectives. We offer strategies to help you conserve your assets

and protect your estate from some of the federal and state tax obligations that

may apply. Such strategies include trusts, gift tax strategies and life insurance.

We also assist you with the coordination or restructuring of insurance policies,

early inheritance, spousal support and overall investment strategies.


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he right financial professional and the right financial strategy can be critical

to your ongoing business success. With your business performance in mind, your

Paramount Planning Group financial professional can help you meet your needs

for asset accumulation, distribution and protection.

We are a “back office” to your operation. Whether your objectives are providing

meaningful, cost-effective benefits for employees and key executives or

optimizing tax advantages, we offer an expansive array of innovative services

and products to help fund various programs, including:

Employee Benefit Plans, Pension and 401(k) Implementation — To

demonstrate a commitment to employees, such as offering a qualified

retirement plan and life insurance, a successful benefits package can provide

protection, security and preparation for life events. We can help you decide which

benefits to offer and implement them to help you succeed in recruiting

— and keeping — the best employees.

S O P H I S T I C A T E D B U S I N E S S P L A N N I N G S E R V I C E S

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Business Succession Planning — Helping to ensure that the company

can survive the departure or death of the owner(s) or a key employee adds long-

term value to a growing business. We offer a variety of strategies and products,

including life insurance to help address the loss of a key person,

buy-sell agreements and stock redemption funding.

Employee Financial Planning and Seminars — Access to financial planning, as an

employer-sponsored benefit, is an innovative and increasingly popular program.

As an employer, it can help you to reward key executives, retain employees,

boost participation in other company benefits, and enhance employee morale

and productivity — all with potential overall cost savings to your business.

Additionally, we offer no-obligation educational seminars to employees.

Executive Benefit and Deferred Compensation Plans — Designed to help recruit,

reward and retain valued employees, executive benefit and deferred compensa-

tion plans can also provide valuable tax advantages to your business.

We are experienced in the implementation of benefits, including bonus plans,

cost-sharing plans, deferred compensation plans and other nonqualified

retirement plans.


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I N T E G R A T E D S T R A T E G I E S F O R B U S I N E S S O W N E R S

ike many business owners, your business and personal financial needs may

be closely intertwined. Your Paramount Planning Group financial professional can

help you develop and execute an integrated approach designed to help you meet

both your personal and business financial objectives.

These include:

�IRAs

�Mutual funds

�Variable annuities

�Pension payout alternatives

�Life insurance

�Estate planning strategies

A well-structured plan of action can help you take control of your financial life so

that you can feel more confident about meeting your goals. And, since even the

best plans can’t anticipate all the things that can happen in the future, you can

call on your PPG financial professional periodically to help you review your

progress toward your goals and adjust your strategy to changing circumstances.

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MAKING A DIFFERENCE IN CLIENTS’ L IVES AND THE COMMUNITY

ur commitment to you is demonstrated by our dedication to our clients,

our community and our profession. Because you have a lifetime of financial goals

and objectives, we concentrate on building long-term relationships. And, as time

goes by, you can count on us to be there to help you deal with the inevitable

changes that are a part of life and to make sure that you stay on track to meet

your objectives.

As the leading group of financial professionals associated with the AXA Advisors

organization, Paramount Planning Group members are ready to offer the

highest level of innovative, professional and quality service and expertise to

our clients. What’s more, we understand the importance of staying on the

“cutting edge.”

Our members are among the first to adopt new technology, including innovative

services and customized software. We continuously evaluate and upgrade our

systems, and we continue to enhance our knowledge and expertise, so we’ll be

able to offer you the latest strategies, products and support — ensuring that

your needs are met on all levels.

Furthermore, many PPG financial professionals are civic-minded leaders who play

an active role in various charitable organizations on both a local and national

level. To support our efforts, the AXA Foundation, the philanthropic

arm of AXA Financial, Inc., contributes to charitable organizations nationwide

to meet the needs of the communities in which our members and their clients

live and work.

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B A C K E D B Y A G L O B A L F I N A N C I A L S E R V I C E S P R O V I D E R

n addition to a one-on-one relationship, Paramount Planning Group

members can offer you the extensive capabilities of a premier financial services

organization. A subsidiary of AXA Financial, Inc., AXA Advisors has a dedicated

network of financial professionals across the country.

AXA Financial is the U.S. member of the global AXA Group, one of the world’s

leading financial services providers. AXA Group and its companies have a

long-standing history of providing insurance and investment strategies worldwide.

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W I T H A S T R O N G F A M I L Y O F B R A N D S

hrough its strong family of brands, AXA Financial provides diversified

financial management and advisory services to individual, institutional

and corporate clients.

The companies and affiliates of AXA Financial are established leaders in

the financial industry. They include:

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AXA Distributors, LLC.


AXA Advisors, and its affiliates and associates, do not provide legal or tax advice. AXA Advisors, AXA Network and AXA Equitable are affiliated companies.

Paramount Planning Group is a division of AXA Advisors, LLC

Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXAAdvisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products, including those of AXA Equitable Life Insurance Company (AXAEquitable), offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network InsuranceAgency of California, LLC and in Utah as AXA Network Insurance Agency of Utah, LLC

© 2008 AXA Equitable Life Insurance Company. All rights reserved.

1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234


ParamountP L A N N I N G G R O U P

a division of AXA Advisors, LLC

Del iver ingI N N O V A T I V E S T R A T E G I E S

for Your Needs

PPG-56000 (8/10) Cat. #129920 (8/10)

G24

911


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