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How to Find the Right Planner for You Presented by: Matthew J. Curfman, CFP® Senior Vice President of Investment Services Kira L. Buffa Marketing Associate.

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Presentation on theme: "How to Find the Right Planner for You Presented by: Matthew J. Curfman, CFP® Senior Vice President of Investment Services Kira L. Buffa Marketing Associate."— Presentation transcript:

1 How to Find the Right Planner for You Presented by: Matthew J. Curfman, CFP® Senior Vice President of Investment Services Kira L. Buffa Marketing Associate

2 Disclosures Richmond Brothers is a licensed Investment Advisor Representative in the states of Arizona, Colorado, Florida, Iowa, Kentucky, Michigan, North Carolina, Ohio and Texas Richmond Brothers is a licensed Investment Advisor Representative in the states of Arizona, Colorado, Florida, Iowa, Kentucky, Michigan, North Carolina, Ohio and Texas Licensed to sell securities, annuities, & insurance Licensed to sell securities, annuities, & insurance Affiliated with Sammons Securities Co.®, LLC, member FINRA/SIPC & Midland National Affiliated with Sammons Securities Co.®, LLC, member FINRA/SIPC & Midland National Richmond Brothers Financial Management Specialists, Inc. offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC Richmond Brothers Financial Management Specialists, Inc. offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor Fee-based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor

3 Disclosures Richmond Brothers offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC. The broker/dealer for Midland National’s variable products is Sammons Securities Co. Sammons Securities Co. is a registered broker/dealer under the Securities Exchange Act of Sammons Securities Co. is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National. Richmond Brothers offers securities through Sammons Securities Co.®, LLC, member FINRA/SIPC. The broker/dealer for Midland National’s variable products is Sammons Securities Co. Sammons Securities Co. is a registered broker/dealer under the Securities Exchange Act of Sammons Securities Co. is an indirect wholly owned subsidiary of Sammons Enterprises, Inc., of Dallas, Texas, the ultimate parent company of Midland National.

4 Disclosures This is not intended to be a sales seminar. The purpose of this Webinar is to provide you with general information on finding the right financial consultant This is not intended to be a sales seminar. The purpose of this Webinar is to provide you with general information on finding the right financial consultant There will be an opportunity to schedule an appointment for an individual consultation at the end of this Webinar which may result in a recommendation of specific financial products that may help you achieve your financial goals There will be an opportunity to schedule an appointment for an individual consultation at the end of this Webinar which may result in a recommendation of specific financial products that may help you achieve your financial goals There is no obligation to schedule an appointment or purchase a product There is no obligation to schedule an appointment or purchase a product

5 Agenda Questions to Ask Potential Advisors Questions to Ask Potential Advisors –Per Ed Slott’s Stay Rich for Life Workbook Overview Overview

6 Knowledge David CLU, ChFC (17 years experience) David CLU, ChFC (17 years experience) Matthew CFP® (11 years experience) Matthew CFP® (11 years experience) 15+ years in business 15+ years in business Continual education Continual education

7 What Books Read?

8 Professional Training Both Dave and Matt are Ed Slott Master Elite IRA Advisors™ Both Dave and Matt are Ed Slott Master Elite IRA Advisors™

9 How They Stay Current Monthly newsletter from Ed Slott Monthly newsletter from Ed Slott –IRA tax law updates

10 Best Investment Choices For retirement distribution, build cash flow to create income stream For retirement distribution, build cash flow to create income stream Help protect assets in uncertain times Help protect assets in uncertain times Attempt to create growth to help offset inflation Attempt to create growth to help offset inflation

11 Tax Consequences Richmond Brothers fills out all paperwork Richmond Brothers fills out all paperwork –Ensure done properly –Keep principal intact –Avoid all taxes on rollover

12 How They Keep Track Weekly investment tracking Weekly investment tracking Monthly individual holdings tracking Monthly individual holdings tracking Quarterly summary calls Quarterly summary calls Financial plan review every 3 to 5 years Financial plan review every 3 to 5 years Sample Summary Annual InitialAdditions/ IRA Rollover / Sammons Dividends InvestmentWithdrawals00/00/00005/6/20097/24/2009 Money Market$2,881.89$0.00$3,493.22$3, Ishares Dow Jones Index Fund $ $17,693.30$0.00$23,105.27$24, Nuveen Premium $3, $25,039.26$0.00$31,247.20$34, Nuveen Preferred $11, $44,645.00$0.00$72,944.66$98, Pengrowth Energy $2, $20,187.82$0.00$22,480.84$24, Penn West Energy $2, $14,787.40$0.00$23,640.30$26, Pimco Strategy Global $1, $15,539.22$0.00$18,555.91$20, Pimco High Income $9, $24,918.30$0.00$53,826.43$55, Rockwell Medical$9,996.52$0.00$15,363.30$26, Inland American REIT $1, $30,000.00$0.00$30, Hines REIT $1, $30,000.00$0.00$30, (3/23/09) Midland Innovator$80,000.00$0.00$88,902.91$89, Total $35, $315,688.71$0.00 $413,560.04$464, *Account opened 1/5/2009 GRAND TOTAL $35, $315,688.71$0.00 $413,560.04$464, /5/200900/00/00005/6/20097/24/2009 Dow Jones8, , , S&P 500 Index Nasdaq Composite1, , , Disclaimer: This sample is for illustrative purposes only and is not indicative of any particular investment, your results will vary

13 Key Events that Cause Review Divorce Divorce Children Children Loss of job Loss of job Death Death Retirement Retirement Inheritance Inheritance Major purchase decisions Major purchase decisions

14 IRS Life Expectancy Tables Distribution specialists must have this on hand! Distribution specialists must have this on hand!

15 Ensure ‘Stretch’ Option Fill out beneficiary forms correctly & keep updated on regular basis Fill out beneficiary forms correctly & keep updated on regular basis Ensure qualified attorney is used in estate planning Ensure qualified attorney is used in estate planning

16 Who Do They Turn To Ed Slott’s group Ed Slott’s group

17 What if something happens? David S. Richmond, CLU, ChFCMatthew J. Curfman, CFP®

18 Overview Do your homework Do your homework Make sure your planner knows more than you & continues their training Make sure your planner knows more than you & continues their training Make sure they have specialized knowledge in distribution planning Make sure they have specialized knowledge in distribution planning Visit for help Visit for helpwww.irahelp.com

19 Questions/Suggestions Kira at or Call toll-free (877) ext. 17

20 Thank you for joining us!


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