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Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value Fwhwealthconsultinggroup.Com Mission Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value FWHWealthConsultingGroup.com Mission We partner intelligently with our individual clients and their families to help them realize their best life. FWHWealthConsultingGroup.com Philosophy We operate from four basic principles: 1 2 3 4 Our clients come first, The key to success The key to a successful We believe a team always is a plan relationship is client- approach delivers advisor collaboration better results and continuity FWHWealthConsultingGroup.com The Team 7 162 fully registered years of combined team members experience 6 29 advanced designations registrations We focus on understanding both the fundamental and emotional needs of our clients to help them reach their life goals. Left to right: Tisha Cummings, Julie Winn, Ethan Clark, Steve Frank, CFP®, Judy Hearn, CRPC®, Martin Wilhelmy, Jennifer Kuykendoll Our Qualifications FWHWealthConsultingGroup.com We are a naturally diverse team with CFP® and CRPC® designations, as well as Private Investment Management certifications, fixed income expertise, studies in finance, engineering and holding several advanced degrees. CFP® Designation CRPC® Designation Private Investment This designation is one of the The Chartered Retirement Planning Management® most recognized in the financial CounselorSM (CRPC®) designation The PIM program is a customized services industry. CFP® professionals helps financial advisors by guiding portfolio management program demonstrate extensive knowledge them through specialized tax and geared toward specific investment and skill in analyzing and developing estate objectives and strategies for goals. PIM Portfolio Managers personal, long-term financial a retiree and presents the unique actively manage your portfolio on an strategies for their clients. financial and emotional aspects of ongoing, discretionary basis using investment planning that are unique his or her individual investment to the retirement process. style. Education Steve Frank, BA in Philosophy; Martin Wilhelmy, MBA and BS in Civil & Environmental Engineering; Judy Hearn, AA in Management Information Systems; Ethan Clark, BS in Finance; Jennifer Kuykendoll, BS in Education FWH Clients FWHWealthConsultingGroup.com Our clients include retirees, professionals, business owners, executives and concerned investors like you. References gladly available upon request. Hypothetical A professional wants A business owner needs A non-profit organization to continue to build his to design his company’s wants a socially Case Studies stock portfolio in various retirement plan. responsible investment industry sectors. portfolio. A single or widowed A couple retires and retiree needs to decide An executive mitigates desires laddered bonds on the beneficiaries of risk in concentrated stock for part of retirement her assets. positions in various types income strategy. of stock awards. Siblings inherit a family A mid career employee investment legacy A company founder sells changes jobs and wants portfolio. his business and wants to roll his retirement to invest the windfall in a savings. portfolio. Life Events – We Provide Advice FWHWealthConsultingGroup.com Life is full of events that may impact your financial situation. Some events you look forward to and others you may not. What’s important is that you have a plan in place that our team will guide you through. Education Purchase Retirement Sale of funding a home Critical Estate assets Inheritance investment illness Divorce Critical Financial Events Insurance Charitable Buy or sell Severance proceeds giving a business Court Loss Disability Parent/ award of a loved elder care one How do we partner with you? 1 Discover your needs and ascertain mutual fit 2 Apply our process – Plan, Implement, Monitor Envision® FWHWealthConsultingGroup.com Planning Our Envision planning process Revisit goals Define major is designed to help build your or priorities life goals investment portfolio around 8 1 your real-life goals, dreams, Set ideal and Monitor acceptable and needs. progress 2 7 goals The Envision Process Implement 6 3 Prioritize IMPORTANT: The projections or other information generated by the Envision tool regarding the likelihood of various investment outcomes allocation goals are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. ENVISION METHODOLOGY: Based on accepted 5 4 statistical methods, the Envision tool uses a simulation model to test your ideal, acceptable, and recommended investment plans. The simulation model uses assumptions about inflation, financial market returns, and the relationships among these variables. These Recommend Stress test assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential plan goals outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Spectrum of Investment Products FWHWealthConsultingGroup.com Implementation Retirement Alternative Account Plans Types Investments Equities 529 Advisory Annuities Products Derivatives Range of Investment Solutions ETPs/ Syndicate/ Insurance CEFs/UITs Mutual Funds Capital Fixed Markets IRAs Lending & Trusts Income Banking Access to lending products and services through Wells Fargo affiliates Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. FWH Portfolio Management FWHWealthConsultingGroup.com Implementation Our Private Investment Management portfolio managers Steve Frank and Martin Wilhelmy will tailor discretionary portfolios of individual securities to meet your investment objective, and will always maintain reportable accountability. FWH Growth FWH Global Balanced FWH Conservative Income Menu of Private Growth Investment FWH Global Growth FWH ETF Conservative Management FWH Balanced Total Growth FWH Core Equity Return portfolios FWH ETF Total Return FWH Global Moderate FWH Aggressive Income Balanced with following Growth objectives: FWH Balanced Income FWH Total Return Growth The PIM program is not designed for excessively traded or inactive accounts, and may be not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum size for this program is $50,000. **The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors as measured by three or more of the following; length of service with the firm, completion of educational components, business production, and professionalism. Wells Fargo Advisors is not a legal or tax advisor Client Financial Reviews FWHWealthConsultingGroup.com Monitoring Staying on Track $4.14M We work together to measure your $3.94M $3.74M progress and communicate with you to $3.54M help you stay on track. We believe this $3.34M $3.14M ongoing dialogue is what makes a real $2.94M difference in your financial life. $2.74M $2.54M $2.34M $2.14M Jan Jan Jan Jan Jan Jan 2017 201 2019 2020 2021 2022 Below Target Target one Above Target Historical Investment Value IMPORTANT: The projections or other information generated by the Envision tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. ENVISION METHODOLOGY: Based on accepted statistical methods, the Envision tool uses a simulation model to test your ideal, acceptable, and recommended investment plans. The simulation model uses assumptions about inflation, financial market returns, and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Why trust us? 1 We quantify our value for you using our process with on-demand Client Financial Reviews 2 We provide financial confidence as your trusted advisors 3 Your legacy will become our legacy Multi-Generational Our team is set up to mirror and service our multi-generational client base. We are equipped to address your current needs as well as future goals. Biographies FWHWealthConsultingGroup.com ® Steve Frank, CFP [email protected] Senior Vice President – Investments As a Premier Advisor,* Steve has been delivering personalized investment planning services for foundations, businesses and families for over
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