An official Securian partner
www.securianchesapeake.com
ABOUT SECURIAN CAPITAL OF THE CHESAPEAKE We are a boutique financial ser vices firm for individuals and businesses alike. Our focus is on managing your wealth and providing clarity to your financial goals.To us, trust is the most important part of the relationship. As an independent firm, our solutions are not tied to any one firm or its products.
Embedded in everything that we do is our philosophy of collaborative thinking, service, and community. As an independent, boutique firm, we offer a level of attention and personal service others in our field may not have the luxury of matching. This is done thru the breadth and depth of intellectual capital our advisors have, each with a concentrated area of focus. Clients receive the knowledge, solutions, and ideas from an entire team. Together Everyone Achieves More.
www.securianchesapeake.com
1.
WHAT WE DO Financial Planning is often misunderstood. The goal is to integrate tax, insurance and investment planning into a comprehensive plan that helps individuals and businesses strategically and seamlessly maximize their resources and cash flow to achieve their life goals.
RISK MANAGEMENT
HOLISTIC PLANNING 50% INVESTMENT 50% RISK MANAGEMENT
INVESTMENT PRODUCT
www.securianchesapeake.com
WHY WORK WITH SCC? Your continued success is our top priority. To ensure we are providing you with customized solutions tailored to meet your needs we collaborate with top industry professionals to train our advisors on a monthly basis providing true insight to helping you achieve your goals.
INFORMATION
FINANCIAL PLANNING TEAM
HIGH END SOFTWARE
OPTIONS
NUMBERS + HUMAN TOUCH = CLEAR VISION & OPTIONS
CONSULTATION
BUILD
www.securianchesapeake.com
1.
IDENTIFYING YOUR PRIORITIES
Disability options Long-term-car e timing premium coverage
Asset allocation Education planning
Umbrella liability
Lump sum accumulation
Life insurance
Options restricted stock nonqualified deferred compensation
Property and casualty
Cash reserve strategies
Deductibles versus cash reserves
Debt management Cash flow management Net worth discretionary income Expected large inflow/outflow Lines of credit
Policy status Policy loans Beneficiary designations Special needs situations Alternate additional coverage strategies
Ongoing investment fees
INVESTMENT PLANNING
Cash reserve levels
PROTECTION PLANNING
FINANCIAL POSITION
Medical health
Risk tolerance Tax implications Cost basis Timeframes Diversification strategies Dollar cost averaging Market timing issues
Tax reduction
Minimum distributions
Tax deferral
Pre-59 1/2 strategies
Tax avoidance
Business ownership Non-traditional ownership
Trusts Wills
Social security
Trust funding
Roth conversions
IRD Succession planning
Income streams Income streams/ transitions Health care Tax transitions Risk tolerance transition Timing issues
ESTATE PLANNING
TAX PLANNING
Filing status
PROTECTION PLANNING
Tax diversification
Effects of liquidation
Asset ownership
IRS Medicare/ Medigap
Withholding
Non-qualified investments
Capital transfer
401Ks
Future taxes due
Qualified investments
Estate balancing
Special needs dependents Minor children Generation skipping Short-term life expectancies Estate liquidity
www.securianchesapeake.com
ROUTE TO YOUR FINANCIAL SUCCESS We believe the financial planning process should be an easy and enjoyable experience for clients. Coupled with the following steps and industry leading software tools, our clients stay connected with us during and after the completion of their financial plan.
1 GOAL IDENTIFICATION
FINANCIAL DATA GATHERING
6
2
ANNUAL REVIEW
PLAN ANALYSIS
5
3 IMPLEMENTATION STRATEGIES
SOLUTION DEVELOPMENT
4
www.securianchesapeake.com
BENEFITS OF WORKING WITH US ADVISORS WHO UNDERSTAND YOU AND YOUR GOALS UNBIASED FINANCIAL ADVICE IN-HOUSE CASE DESIGN TEAMS INDUSTRY-LEADING FINANCIAL SOFT WARE STRONG COMMUNIT Y AWARENESS AND INVOLVEMENT STRONG LOCAL BUSINESS ALLIANCES
www.securianchesapeake.com
Financial Planning is often misunderstood. The goal is to integrate tax, insurance and investment planning into a comprehensive plan that helps individuals and businesses strategically and seamlessly maximize their resources and cash flow to achieve their life goals.