Welcome to Popular One Financial Planning | Banking | Investments | Insurance The individualized attention that our financial specialists provide our clients defines the exclusivity that Popular One represents. With us, you can rely on a multidisciplinary team of professionals that offer personalized financial advice in each of our areas of expertise.
F A New
F reedom
We take care of everything. Our team of specialists will manage all of your financial affairs from financial planning and banking to investments and insurance. Knowing that your finances are in good hands will provide you with additional time and freedom to devote to other aspects of your life.
Financial Planning Financial solutions to meet your present and future goals. Financial planning is a dynamic and continuous process that is crafted by accounting all facets of your life and taking into consideration your different life stages. We know how to make your plans come true. We will guide you through the necessary steps to achieve your financial objectives, regardless of the unexpected events that may arise. We help you work toward financial security through a personalized approach that will allow you to plan, build, and manage your capital. Some of our services include: •
Developing a clear picture of your current financial situation
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Establishing and prioritizing financial goals and time frames
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Designing a financial plan that could include: risk management; tax planning; planning to cover future education needs; retirement planning; investments; estate planning; business succession, among others
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Monitoring your financial plan, making adjustments as your goals, circumstances or time frames change
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Providing practical and effective solutions for complex financial situations
To help you accomplish your financial objectives, you will have a team of highly qualified specialists such as Certified Financial Planners (CFP*)1, Certified Public Wealth Advisors (CPWA*)2, Certified Investment Management Analysts (CIMA)3, Certified Public Accountants (CPA) and attorneys at law4.
Banking We manage all banking services for you.
Additionally, cardholders of Black Dual and/or Popular/ AAdvantage® Visa Infinite accounts are eligible for signature
Your Wealth Advisor will be your private banker,
services and benefits including: concierge assistance for
facilitating all banking transactions and providing you
recommendations and reservations in exclusive restaurants,
access to Popular’s wide range of products, including
securing the best seats at concerts and other events, access
credit cards, loans, auto and equipment financing,
to Priority PassTM lounges at airports around the globe, and
mortgages, personal trusts, certificates of deposit, IRA
a wide variety of insurance options to protect you and your
accounts, transfers and other core products outlined
loved ones.
below:
Private Management Account
Courtesy membership in the PREMIA ®7 Program
Enjoy the opportunity to earn points that never expire and
This account consolidates all of your relationships with
a wide variety of rewards.
Popular in a single statement. Its benefits include scaled
•
interests, unlimited no-fee check writing, free initial check ordering, a reserve line5 of up to $50,000, and a
either of your Black Dual account credit cards. •
line of credit guaranteed by assets in Popular Securities 5.
Executive Mortgage
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mortgage needs and will assist you every step of the way,
Earn up to 20,000 points per month for new cash transactions through your Popular Securities investment account.
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In partnership with your Wealth Advisor, our mortgage experts will help identify the best solutions to meet your
Earn up to 500 points per month through your Private Management Account balance.
Popular Mortgage’s Executive Mortgage team provides an exclusive, personalized service for Popular One clients.
2 PREMIA® points for each $1 spent on purchases with
Earn up to 20,000 points with the disbursement of a mortgage loan from Popular Mortgage.
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Earn up to 10,000 points with the disbursement of a loan or a lease from Popular Auto.
making the entire process smooth and seamless for you.
Credit Cards
5
Special Treatment at Popular Branches9 Identify yourself to a host in any of our branches by using
As a Popular One client you will have access to a range
your Popular One card and enjoy special assistance when
of credit cards that offer unique services and benefits to
making personal transactions.
fit your lifestyle.
Black Dual Account
Commercial Loans and Services Popular One’s personalized attention includes coordinating
The innovative Black Dual account6 offers the
applications for commercial accounts and services as well
advantages of having two credit cards of different
as new loans, credit cards and lines of credit, refinancing
brands under a single account: American Express® The Black Card from Banco Popular and the Visa Infinite
commercial loans, and more. We handle those tasks so you can focus on growing your business.
card. The dual account has the widest acceptance worldwide and offers enhanced opportunities to accumulate PREMIA®7 points with one line of credit, one account statement, and one monthly payment.
Popular/AAdvantage® Visa Infinite6 For each $1 in purchases with this credit card, you can earn 1.5 miles in the American Airlines AAdvantage®
Fiduciary Services Our experienced Fiduciary Services group will provide you with advice on the creation of a Trust to protect your personal and/or commercial assets.
Retirement Plans10 We can also help you design the retirement plan that fits
frequent flyer program, which lets you redeem
your needs. As part of our commitment to implementing
miles for flights on American Airlines and affiliated
the soundest management of your retirement, our top
airlines, hotel stays and car rentals from participating
experts will provide you with integrated services such as
companies in the AAdvantage program8.
trustee, recordkeeping, and investment consulting.
Investments11 Strategies in support of your objectives, taking into consideration the different stages of your life. We design an investment strategy that supports your objectives and adapts to your risk tolerance at each stage of your life. Integrity, reliability, and experience are the key traits of our Financial Consultants at Popular Securities. They are supported by Popular Securities’ Advisory Group who helps identify appropriate investment opportunities for you. The Popular Securities Advisory Group scope of services includes: •
Comprehensive evaluation of existing assets
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Development of an investment policy
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Creating a strategy for your investment portfolio
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Selection of assets
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Portfolio management, including periodic reviews of your account
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Asset allocation that is aligned with your risk tolerance and goals
Insurance12 The best options for personal or commercial risk management A comprehensive risk management program is an essential element for reaching your financial goals. The Popular Risk Services specialized group will prepare a detailed analysis with specific recommendations to address your particular risks, whether at a personal or business level. Our alliances with multiple insurance companies allow us to provide different solutions using a vast array of insurance products, such as life, disability, annuities, property and casualty, business interruption, and title insurance, among others. Your personalized risk management plan will incorporate a range of services: •
Analysis of needs based on your financial strategy – This personalized analysis helps you identify your potential exposure to losses in four main categories: property, liability, loss of use or income, and personal risks. This helps us forecast the probability of losses in each category and gauge their consequences in order to identify the best options to address them.
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Review and analysis of your current insurance policies – Our team will evaluate your current coverage to quantify additional insurance needs, if any.
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Review contractual requirements for insurance – After identifying exposure to losses our experts will recommend sound insurance solutions to meet contractual obligations related to leases, service, and financing contracts, among others.
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Cost-effective risk transfer and control of losses – Recommending effective avenues to reduce, eliminate and prevent specific risks and providing the right insurance solutions to cover those risks.
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Claims management – We serve as a liaison between you and your insurer to help you resolve claims promptly.
Let us cultivate and preserve your trust Condado Gallery 787.281.7272 • Mayagüez 787.834.8910 • Ponce 787.848.3854 El Señorial 787.281.4019 • Popular Center 787.765.3000 • La Hacienda 787.255.0722 popularone.com
The suggestions and recommendations included in the financial plan for clients are offered only as advice and there is no guarantee of the yield of any insurance or investment product that may be acquired pursuant to these recommendations. Banco Popular de Puerto Rico, its subsidiaries or affiliates do not engage in the offering of tax, legal or accounting advice. If legal, tax, or accounting assistance is required, the services of a competent professional in those fields should be sought. Insurance and investment products are not insured by the FDIC; are not deposits or obligations of, or guaranteed by, Banco Popular, its subsidiaries and/or affiliates; and are subject to investment risks, including possible loss of the principal invested. Certain conditions may apply. For more information, please contact one of our service centers. 1. Certified Financial Planner Board of Standards, Inc. is the owner in the United States of the trademark CFP® Certified Financial Planner, which is granted to individuals who successfully complete the initial and continuing requirements toward certification as established by the CFP Board. 2. Investment Management Consultants Association, Inc. is the owner of the certification trademark CPWA® Certified Private Wealth Advisor, granted to individuals who have completed the initial and subsequent credential requirements toward certification. 3. Investment Management Consultants Association, Inc. is the owner in the United States and worldwide of the certification trademark CIMA® Certified Investment Management Analyst. 4. Banco Popular de Puerto Rico, its subsidiaries and/or affiliates do not provide legal, accounting or tax advice. If you require legal, accounting or tax advice, you should consult a professional specialized in those areas. 5. Subject to credit approval. 6. Subject to credit approval. APR is variable and may change. At present, the applicable APR on purchases, balance transfers, and convenience checks is 10.99%. Late payment fee up to $35. Bounced check charges up to $10. Regular fee for cash advances, balance transfers, and convenience checks: 2% of the amount; minimum $2, maximum $10. Grace period of 25 days for purchases. Balance is calculated based on the average daily balance (including new purchases). American Express is a trademark of American Express. Cards are issued by Banco Popular under license from American Express. 7. Subject to the Terms and Conditions of the PREMIA® program. Courtesy membership in the PREMIA® program applies to clients with PMA or BLACK DUAL credit card accounts. Certain restrictions may apply. Consult your Wealth Advisor or visit popular.com/puntos for more details. PREMIA® program points are subject to change. 8. American Airlines reserves the right to change the AAdvantage program at any time and without prior notice. American Airlines is not responsible for products or services offered by other participating companies. For more information about the AAdvantage program, visit www.aa.com/millas. AmericanAirlines® and AAdvantage® are trademarks of American Airlines, Inc. 9. Commercial transactions must be made through the commercial banking representative. 10. Your contributions to a Retirement Plan, as well as any proceeds generated, if any, may be invested in investment products that are not insured by the FDIC, are not deposits or obligations of, and are not guaranteed by Banco Popular; and involve risks, including the possible loss of the principal invested. 11. Investment products and services are offered by Popular Securities, registered broker/dealer, FINRA and SIPC member. Popular, Inc. and Banco Popular de Puerto Rico are not registered broker/dealers. Investment products are not insured by the FDIC, are not deposits or obligations of, and are not guaranteed by the Bank, its subsidiaries or affiliates. Investment products may lose value. Popular Securities is a subsidiary of Popular, Inc. and an affiliate of Banco Popular de Puerto Rico. Services offered by Popular Securities Advisory Group vary by client. 12. Insurance products and services are offered by Popular Risk Services, an insurance broker duly licensed by the Office of the Commissioner of Insurance of Puerto Rico. Insurance products are not insured by the FDIC or any other federal government agency, and are not deposits or obligations of the Bank or its subsidiaries and/or affiliates. Some insurance products may lose value. Popular Risk Services is a subsidiary of Popular, Inc. and an affiliate of Banco Popular.