Women Healthcare Professionals
RetirementPlanning We care because you care. “We help deliver financial clarity to individuals who want to focus on enjoying life, rather than worrying about it.�
We understand your needs. It
doesn’t matter if you’re a doctor or a nurse, or if you work in a hospital, clinic or physician’s office; if you’re a woman health care professional, you take care of people around the clock – month after month and year after year. That’s just what you do. And what you’ve always done. Can you remember a time when you weren’t on your feet, trying to make patients feel better? We understand how it’s been – and where you’ve been. And now we want to return the favor by taking care of you. How? By offering you an opportunity to achieve financial security. That’s the best medicine we can administer in today’s uncertain economy; and, aside from making people well, it’s the richest reward you’ll receive for all your efforts and labors on behalf of others. To put it another way: you deserve financial peace of mind, and we’d like to help ease your money worries the way you try to ease each patient’s pain or suffering. But, unfortunately, as you know, there’s no magic pill that cures every illness and ailment; and the same thing is true in financial planning. We can’t read the market numbers perfectly, and we don’t have a crystal ball when it comes to the economy. Still, like you, we offer years of experience, a good measure of prudence, and a strong dose of integrity to those we care for. Let’s be honest: a portfolio isn’t a patient. And financial planning is critical, but it’s not life or death. That said, we share your values, we celebrate your service, and we recognize your deep sense of purpose. So, after reading through the following pages, please let us know if you have any questions about your financial health and how we might help improve it by working together.
Sincerely, Rod Acord & Martin Fong
Trust and Care Whether you work in a doctor’s office, clinic or hospital, patients trust you; and they depend on the care you provide. Trust and care – that’s the essence of any good relationship. And that’s why we work hard to earn your trust, why we take care of you. After all these years of making sure others have a future, it’s time to focus on your future. So, count on us; we’ll be right by your side as you look toward tomorrow.
Women Healthcare Professionals
Experience our financial spa We pamper you financially Financial Spa Rewards As a dedicated health care professional, you’ve been selflessly helping others for your entire career. It’s time you were rewarded and pampered for your lifetime of service.
Your Retirement Vision Let’s discuss your vision of retirement. How do you want to spend your time? Do you want to start a business? Travel? Spend time with your children and grandchildren? Get more involved in community and philanthropic activities? Your thoughts help match your retirement income plan with
your dreams and goals and the things that are most important to you.
take advantage of as part of our Financial Spa Services.
Semi-Annual Conference Call
90 Day Check-In We’ll be there for you when you need us. Our team of financial advisors and administrative professionals are here for you every day to help with ongoing questions. As part of our special 90-Day CheckIn Program, your financial advisor will give you a call to talk about the progress you are making on your retirement goals. If any changes need to be made we’ll talk about those too. This is an optional benefit you can
Life moves fast. Small changes that occur daily can add up to big changes that may affect or influence strategies you’ve set up for your retirement. Let’s take a proactive approach to discussing some of those changes. As an added Financial Spa benefit, you may choose to receive a semi-annual conference call to address any changes that may have occurred.
A Fresh, New Approach Did you know that only a small percentage of our clients actually go through the entire process of retirement planning? It seems illogical, but it is true. Many clients only do a piece of the puzzle such as asset allocation, investment strategies or estate planning, but there is much more. Our all inclusive Retirement Reality Check is designed to get you on the right track and keep you there throughout your lifetime. Our Financial Spa program is a “thank you” for doing business with us. It’s about helping you “feel better” financially. We’d like to show our appreciation and serve your individual needs with the following benefits. Choose just a few or all of them in your customized retirement spa package.
www.acordandfong.com
Birthday Lunch Another year has passed and it’s a good time to benchmark some of your retirement goals and strategies. Let’s celebrate with a special birthday lunch with your financial planner. It’s our treat and a good time to see if there are any life changes that will affect your retirement plans.
Retirement Reality Check-Up Once you’ve completed your retirement plans, it’s a good idea to touch base every so often to update information and make sure the plan is on track. Timing for the
Retirement Reality Check-Up is up to you. You decide how and when the check up works for you. Your financial advisor can make a recommendation.
Legacy Planning First, let’s look at what it isn’t. It is not a will. It is not the same as an estate plan. A legacy plan is the “soft side” of your estate plan. It involves passing on what matters most such as your values and life lessons, your final wishes, your most prized personal possessions, your words of wisdom--and other things too valuable to risk being lost.
Quite simply, a legacy plan includes your nonmaterial assets and possessions of emotional value. And for many people, the personal and intangible things their loved one leaves behind are far more important than money.
Electronic Update As an added benefit you may sign up for our monthly e-newsletter. It is filled with information about the latest market trends, useful investment information, and lots of other important retirement topics.
r Your Retirement Vision r 90 Day Check In r Semi-Annual Conference
Call / Meeting
r Birthday Lunch r Retirement Reality Check Up r Legacy Planning r Electronic Update r A Copy of My Next Phase
A Copy of My Next Phase Too many people “flunk” retirement--even after a lifetime of hard work. Why? Because they only plan for their financial needs, not their emotional ones. “My Next Phase” is a personality-based guide to your retirement. This book shows you a revolutionary, step-by-step process to figure out your personal “Retirement Style”, and then creates a plan based on who you are. (Authors: Eric Sundstrom, Randy Burnham, Michael Burnham)
Products and Services 1. Vision Expander
5. Financial Review Snapshot
Retirement Reality Check
4. Action Plan
2. Financial Snapshot
3. Solutions Report
Retirement Planning
Investment Planning
Acord & Fong provide fee-based financial planning services for health care professionals. We use leading-edge technology to help define your goals and guide input with our financial planning knowledge and resources. Working together, we’ll categorize your expenses into “Needs” and “Wants” and address the five critical challenges to retirement and income security.
One of our roles is to be an objective advocate for our clients. We strive to control costs; be tax efficient, manage risk, and help provide the most effective way to reach their retirement goals.
The Challenges Step 1: Vision Expander - Envision a better future for yourself and monitor your progress. Step 2: Financial Snapshot - Where do you stand today in relation to your ideals. Step 3: Solutions Report - Would a blueprint to financial freedom be helpful? Step 4: Action Plan - An honest and objective helping hand in today’s marketplace. Step 5: Financial Review Snapshot - Periodically updating your plans with situational changes.
1. Timing & Withdrawals: Determine the best way to take income while preserving the wealth you’ve accumulated. 2. Health care Costs: Manage an expense likely to rise significantly and grow more unpredictable as you grow older. 3. Taxes & Inflation: Minimize the effect of taxes and inflation on your purchasing power. 4. Longevity: Ensure that you will have a stable income for as long as you live. As life expectancy increases, so does the risk of outliving your assets. 5. Market Volatility: Over the years, we have certainly all learned about market volatility. We’ll help you create the right choices to offset the risks posed by inflation and market downturns.
Family Income Protection Life insurance No one wants to leave their family unprepared for the future. Planning today can help protect the promise of your family’s tomorrow. Long Term Care If you can’t take care of yourself when you’re older, there are plenty of resources from which to choose: home-health services, adult day-care centers, assisted-living facilities, or nursing homes. Finding the money to pay for such help, however, presents a dilemma.
Estate Planning To maximize your estate for your heirs we will consider: Will & Trust Design Strategies; Property Ownership Alternatives; Estate Tax Reduction Techniques; Life Insurance Analysis; Family-Gifting Strategies; Charitable Planning; Employee Stock Options; and Qualified Plan Distribution Alternatives.
Prevention and Prosperity Providing preventive care is at the heart of your medical mission; offering you preventive financial care is at the core of our business mission. Our products and services are designed to make sure all the possibilities and contingencies are covered so you can live life to the fullest – and live the life you want – once you’ve finished working. Like you, we believe in taking healthy steps to insure a healthy future.
Retirement Solutions
Easy to Understand That’s the idea behind our Retirement Reality Check process an innovative software tool that is designed to offer strategies to help you achieve financial security.
Retirement Reality Check 1. 2. 3. 4. 5.
The Vision Expander™ The Financial Snapshot™ The Solutions Report™ The Implementation Gameplan™ The Retirement Reality Check-Up™
Live Interactive Retirement Planning Software Our interactive retirement planning software offers you real-time solutions that guide you toward your goal of achieving retirement income security in the context of your specific needs. This software allows us to work together to develop a retirement plan that works for you and addresses the possible risks you may face. This makes retirement planning engaging and meaningful, while giving you an immediate look at actual solutions. We start with a Comprehensive Approach to create a detailed picture of your financial
situation. Next we incorporate Retirement Solutions designed to illustrate multiple lifetime income strategies. And finally, we use Personalized Retirement Scenarios to create alternative “what-if” retirement situations.
Simplicity Our retirement solutions are straightforward and easy to understand and in “real time”. Live graphs and charts make it easy to quickly understand outcomes. Retirement Planning Software offers real solutions to retirement concerns and challenges, and customizes a plan to fit your needs and objectives.
Retirement Solutions Since 1975
Our History The Beginning
Steve Acord began his practice in 1975 in San Mateo, CA working with Lincoln Financial Group. He was introduced to hospital administrators in several local facilities where he designed and implemented the retirement savings plans for these facilities. Once the plans were approved, he then began setting up the retirement plans with the health care employees of these facilities. Steve knew there was more to a client’s needs than just a retirement account. He introduced the planning concepts that have become our team’s foundation. Even in the beginning, our focus was not just on retirement planning, but also all the issues facing our clients - taxes, funding needs like college for our children and grandchildren, income protection using insurance, and funding clients’ dreams and goals. Steve recognized that our clients have a need for growth and protection of their savings and more important, guidance in how that lifetime savings will provide for their income needs in retirement.
Your Financial Coach Rod Acord and Martin Fong joined Steve’s Lincoln team in 1995. Following in the foot steps of their mentor, they took the same approach to planning their client’s retirement. They review the client’s needs based on a comprehensive financial plan in order to create practical solutions to help achieve their goals. Financial and emotional satisfaction has always been the goal. As a Financial Planner, our mission is to help clients maintain independence, economic freedom and dignity for a lifetime.
Our Process Our process will help you do three things: 1. 2. 3.
Organize and prioritize your financial matters. Gain a clear understanding of your options. Make sound decisions about your future.
As a team, we believe in providing our clients with clarity and solutions that help meet their needs. We believe that long-term relationships are more important than our short-term gains.
Did You Know? Rod and Martin have been working with clients in the health care industry for the past 15 years. In fact, 70-80% of our clients are women employed in the health care industry. Our track record in the health care industry helps us to be uniquely qualified to assist health care professionals with their investment and retirement needs.
Statistics: • On average 75% of our clients are women employed in the health care industry. • Bay Area Geographics: 24% Peninsula 15% South Bay 28% East Bay 26% San Francisco 7% North Bay • Average Age: 47-52
We take care of you. Lea Smith VIP Client Services Mgr.
Cheryl Colasacco Executive Assistant
James Maxon, Financial Planner CA Insurance License #0G20140
Rod Acord, ChFC速, CASL速, CRPC CA Insurance License # 0B67575
Martin Fong, ChFC速, CRPC CA Insurance License #0B61139
Confidential Information
Service Request Form Full Name: ____________________________________________________________________________________ Employer: _____________________________________________________________________________________ Street Address: _________________________________________________________________________________
Mail to:
3000 Executive Parkway, Ste. 400 PO Box 5154 San Ramon CA 94583
City: ____________________________________________________ State ____________ Zip _______________
OR
Day Phone ______________________________________ Evening Phone: _________________________________ Email: _________________________________________________________________________________________
Fax Us:
(925) 866-2137
Please Check all that apply: r Please increase my contributions to maximum allowed for my age and income.* r Please increase my contribution so that my new deduction per paycheck will be $____________________ or _______________________%.* r I am currently contributing the maximum amount to my retirement plan.
Call Us:
(925) 659-0337 or (925) 659-0209
Web:
www.acordandfong.com
r Please contact me to discuss other ways to plan for retirement. r Please contact me to schedule an annual review of my account. r Please contact me regarding other financial services and products including retirement planning, college education funding, etc. r I have had a change in my life (i.e. new baby, marriage, new home). Please contact me to update beneficiaries etc. r I am no longer employed by the participating employer. Please update your records. Signature: _________________________________________________________________ Date ______________ Consider the investment objectives, risks, charges and expenses of the investment carefully before investing. The prospectus contains this and other information about the investment. Call your Lincoln representative for a prospectus and read it carefully before investing. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. CRN200908-2033276 * Some employers require an additional signature on their own for this change. We will send you that paperwork if necessary.
____________________________________________________________________________________________________________
3000 Executive Parkway, Suite 400 PO Box 5154 San Ramon CA 94583 (800) 339-4794
____________________________________________________________________________________________________________
www.acordandfong.com
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Other Requests: __________________________________________________________________________________________
Women Healthcare Professionals
RetirementPlanning We care because you care. San Ramon 3000 Executive Parkway, Suite. 400 San Ramon, CA 94583 Fairfield 2420 Martin Road, Suite 390 Fairfield, CA 94534 Campbell 2105 S. Bascom Avenue, Suite 300 Campbell, CA 95008 San Mateo 1510 Fashion Island Boulevard, Suite 210 San Mateo, CA 94104 San Francisco 44 Montgomery Street, Suite 2950 San Francisco, CA 904104 Sacramento 8880 Cal Center Drive, Suite 220 Sacramento, CA 95826-3229
Securities and investment advisory services offered through Lincoln Financial Advisors, a broker-dealer and registered investment advisor. Insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. CRN200910-2035736
3000 Executive Parkway, Suite 400 PO Box 5154 San Ramon CA 94583 (800) 339-4794
www.acordandfong.com