BUILDING RELATIONSHIPS THROUGH EXPERTISE
M e d i a P l a n n e r 2013
BankInvestmentConsultant.com
2013
Building Relationships through Expertise For bank advisors, investing clients today are both more sophisticated and knowledgeable. They no longer accept the advice of the professional without questioning, challenging, demanding more reasoning and detail. They demand that their investment consultants know more about their business and industry than ever before. Today’s bank investment clients have more options than ever before. They need to have a relationship with their advisor based on trust and confidence, knowing their advisor has a broad, well-rounded understanding of the options and opportunities that are available to choose from to build trust and the overall goal, financial success. That’s why there is Bank Investment Consultant – Building Relationships through Expertise. For advertisers, Bank Investment Consultant treats your messaging with the same personal attention we direct toward our audience. Just as each bank investment client needs a trusted relationship with their advisor to succeed, so does each of our advertisers with our sales team.
September 2012 bankinvestmentconsultant.com
Wealth Unit Becomes the Star p.14 Portfolio Managers Argue to Success p.26 Insights and best practices for bank advisors
10 Common Hiring Mistakes p.33
"OOVJUJFT .BLJOH 5IF 5PVHI 4FMM August 2012 bankinvestmentconsultant.com
Community Connections Pay Dividends p.12 What A Successful Program Needs p.22 Insights and best practices for bank advisors
First Bank & Trust’s Jimmy May says annuities are best used when tailored to meet very speciďŹ c client needs. p.16
6 Ways to Boost Productivity p.29
.BSLFUJOH &5'T Vanguard strategist Joel Dickson argues there’s room for innovation. p.16
C1_BICSep12 1 C1_BICAug12 1
8/22/2012 2:30:30 PM
7/26/2012 10:25:42 AM
NEW In 2013:
New features and enhancements to BankInvestmentConsultant.com Improved navigation and new ad sizes! BankInvestmentConsultant.com
V12.03.12
2013
Editorial Excellence Editorial Team
A Year in preview As we move into 2013, there are more opportunities and challenges than ever before for bank advisors. A generation of people you’ve been reading about for 20 yeas is in need
Margarida Correia Associate Editor
of financial advice and many of them are likely to turn to a known entity—their local bank. At the same time, other clients are finding “bricks and mortar” banks obsolete. And for the advisors, there is the ever-present culture gap between them and the bank staff.
Matt Ackermann Online Editor-in-Chief
How do you successfully navigate all of this? Job-one is to keep current with Bank Investment Consultant, the only magazine and website dedicated to the advisors in the bank channel. We will continue to bring you the latest trends and analysis you need to make the most of your time at work, including practice management tips, investment thought leadership and career insights.
Samantha Allen Senior Digital Editor
From all of us at Bank Investment Consultant, we wish you a successful year.
Columnists & Contributors
Regards, Lee Conrad Managing Editor Joseph F. Coughlin, Ph.D. Director of the Massachusetts Institute of Technology AgeLab
Signature Issues
Exclusive Online Features
• Behavioral Finance Roundtable • Top 20 Program Managers
• AdvisorTV: In-depth, one-on-one conversations with industry experts (On-demand)
• Top 50 Bank Reps
• Popular E-Newsletters (Delivered daily, weekly, bi-monthly, and monthly) • Discussion Boards (Industry moderated) • Social Media Groups (Twitter, Facebook, LinkedIn)
Rick Rummage Founder and CEOThe Rummage Group
94% of subscribers said Bank Investment Consultant has maintained or increased its value over the past year.
*Source: Lodestar Reader and Website User Survey, September 2012
BankInvestmentConsultant.com
V12.03.12
2013
Editorial Excellence
IN FOCUS AND IN-DEPTH COVERAGE Bank Investment Consultant stays on point by presenting the big-picture issues, through both our feature stories on bank consolidation and alternative investments, as well as the known guest contributors working at major firms such as BlackRock, Morningstar, Vanguard and Prudential.
March 2012 bankinvestmentconsultant.com
what is regions’ next Move? p. 4
From a content perspective, in the print publication, we offer significantly greater insight and analysis that the audience can use to grow their businesses. On the digital side, there is no comparison. Our website and e-newsletters follow the same editorial mission as our print.
on the hunt for new Business p. 8 how to fit in at your Branch p. 21
Insights and best practices for bank advisors
#FOFGJUT PG #FIBWJPSBM "OBMZTJT
Monthly Features • Front Lines: We have more news than ever before for the bank advisor, plus the context you need for news you’ve already seen.
Four experts share their insights on how to boost your business. p. 10
• Outlook: Our world is changing faster than ever so our Outlook section, written by top outside experts as well as our in-house veterans, enables bank advisors to stay up on the markets, the economy and the workings of Washington. Joseph Coughlin, Director, MIT AgeLab
C1_BICMar12 1
2/24/2012 3:50:31 PM
January 2012 bankinvestmentconsultant.com
DRIVING DOWNFIELD FOR NFL CLIENTS p. 12 WHAT ARE THE 3 LEVELS OF HAPPINESS? p. 21 Insights and best practices for bank advisors
DEVELOP NEW SKILLS FOR SUCCESS p. 29
065-00,
)JHI -FWFM 7JFX MFS Investment Management’s James Swanson and other experts look out at the industry’s horizon. p.14
C1_BICJan12 1
12/20/2011 4:03:36 PM
• Producer Profile: This in-depth case study on a different bank advisor each month delves into the secrets of their success, as well as lessons learned from past mistakes. • Production: This is our dedicated practice-management article where we spell out tips on the day-to-day nuts and bolts of the bank advisor’s job. This includes topics such as segmenting your book, prospecting and even how to attract those elusive high-net-worth clients. • Portfolio: This section explores investment themes relevant to bank advisors. We cover products, including ETFs and annuities, and subjects like risk and retirement income. We also now publish regular charts on the best performing mutual funds and ETFs in each issue. • Careers: There are about 1,600 banks with wealth management units (and if the TPMs have their way, there will be more with each passing year). That means there is a lot of opportunity to further your career if you choose to make a move. We have advice from professional recruiters on how, when, where and why to make such a move.
71% of subscribers said Bank Investment Consultant provides the most help in building their business. *Source: Lodestar Reader and Website User Survey, September 2012
BankInvestmentConsultant.com
V12.03.12
2013
Audience
Audience At A Glance Experienced
156
$154m
$2.4m
average client base
assets managed on behalf of clients
average client account value
$338,000
5 yrs
48 min
length of readership
average time spent reading each issue
approximate gross-production for last 12 months
Successful • • • • • •
Average age: 47 years old 19 years industry experience 81% have a Series 6 or 7 76% Male / 24% Female $189,000 average household income 86% have a college degree or higher
Loyal And Highly Engaged • 88% save their issues for future reference • 69% read three out of 4; 59% read 4 out of 4 of their issues • 55% of readers share their issues with others
Recommends Products/Services Top products recommended: • 56% IRAs, Keoghs and SEPs • 55% Life Insurance • 54% Mutual Funds—Load • 52% 529/College Savings Products • 52% Bonds
Responds to Advertising In the last 12 months, Bank Investment Consultant readers took the following actions in response to seeing advertisements in the magazine. • 38% visited an advertiser’s web site • 22% recommended an advertised product/service to a colleague • 15% recommended an advertised product/service to a client • 15% requested additional information from an advertiser
Engaged Online Audience of Retail Bank Advisors
22,870
monthly unique visitors
94,260
monthly page views Source: Google Analytics, May-July 2012
76% of subscribers do not read BISA’s Bank Insurance & Security Marketing.
*Source: Lodestar Reader and Website User Survey, August 2012
BankInvestmentConsultant.com
V12.03.12
2013
AUDIENCE
AUDIENCE REACH
Maximize the reach of our digital and print distribution channels for unparalleled industry coverage.
Total Audience Print Subscribers*
Duplicated Subscribers*
26,100
9,700
40,000
Online/ E-Newsletter Subscribers*
Retail Bank Advisors
Total Audience with Pass-Along 62,196**
23,600
*Source: August 2012 Publishers Own Data
The Strength of our Subscribers* • 26,100 total qualified print subscribers • 100% Direct Request
• No wasted circulation • #1 brand in the bank advisory channel based on circulation
Job Title/Function*
Type of Firm* 2% Credit Union
Trust Officer/Private Banker or Manager Wealth Management
6% Other
Program/Sales Manager
2% Trust Company
6%
Third-Party Marketing Firm
8%
12%
Senior Management
52%
16%
1% S&L or Thrift
Other
Financial Planner
Bank Owned Securities Brokerage
5% 8%
14%
43%
Commercial Bank
25% Community Bank
72% of readers said Bank Investment Consultant most influences how they manage their business. *Source: September 2012, Publishers Own Data **Source: Lodestar Reader and Website User Survey, September 2012
BankInvestmentConsultant.com
V12.03.12
2013 Issue Month
FOCUS
January/ February
• Industry Outlook Insights and analysis on what to expect in
Space Close: 12/4 Materials Due: 12/7
March
Space Close: 2/6 Materials Due: 2/11
DEPARTMENTS
+ Skills Bank FAs Need for the Future the bank channel and the markets over the + Difficult Financial Products for FAs next 12 months. This feature will explore the and Clients macro (the economy) and the micro of the job (which financial products will sell well given the level of interest rates.)
• Behavioral Finance Roundtable
Editorial CALENDAR BONUS DISTRIBUTION • FSI Broker-Dealer Conference • TD Ameritrade
+ Behavioral Issues Clients Need to Face
• ASPPA 401(k) Summit • BISA Annual Conference • IRI Marketing Conference
+ Segmenting Your Book
• SIFMA Private Client Conference • Tiburon CEO Summit XXII • IMCA Annual Conference • Capital Link Closed-End ETF Forum • Women Advisors Forum (NYC)**
Industry experts will discuss how psychology affects clients’ investment decisions, as well as how advisors can improve their business relationships.
• Challenges in the Channel • Bank Program Profile Annuities & Insurance Guide* IMCA Pre-Conference Guide*
April
Space Close: 3/7 Materials Due: 3/12
• Small Business Clients Small business owners have most of their wealth tied up in one asset and they always need more cash. How can advisors help with those very specific financial needs? We will have tips on how to attract, retain and help those clients.
• Producer Profile
Bank FA who focuses on small business
May
• Top 20 Program Managers. Program managers are often the bridge between the advisors and bank management and our exclusive ranking will show you the very best in the field.
+ Managing a Team of High Achievers
• IMCA Annual Conference • ICI General Membership Meeting • NAPFA National Conference • Women Advisors Forum (Dallas)**
June
• State of the TPMs Third-party marketers are the back-office of the channel, but we pull the curtain back in this issue and show readers who’s leading the charge, as well as who’s gaining ground.
+ Developing and Using Centers of Influence
• Pershing INSITE • Morningstar
Space Close: 4/11 Materials Due: 4/16
Space Close: 5/9 Materials Due: 5/14
• Bank Program Profile
The editorial calendar and bonus distributions are subject to change. Please contact your sales manager for the current schedule. *Produced by SourceMedia's Marketing Solutions Group. Please see the Resource Guide editorial calendar for closing dates. ** Denotes SourceMedia events and conferences
In Every Issue: Front Lines • Industry Outlook • Producer Profile • Fund Profile • Production • Careers • Portfolio
BankInvestmentConsultant.com
V12.03.12
2013 Issue Month
Editorial CALENDAR
FOCUS
Departments
• Corporate Culture The divide between banking and brokerage is ever-present in the channel and we talk to experts and consultants on what advisors can do to meet the challenge.
+ Five Steps to Higher Production + Can Advisors Help Shape the Culture of their Bank?
BONUS DISTRIBUTION
FREE AD TESTING
JULY/AUGUST
Space Close: 6/6 Materials Due: 6/11
• Insurance/Annuities
September
Space Close: 8/8 Materials Due: 8/13
• Retirement The main goal of most investing is securing a comfortable retirement. Are your clients on track? What you need to know to help thebroad array of needs in your client base.
+ Prospecting Outside the Bank
• IRI Insured Retirement Institute
+ Getting Clients to Think More Globally
• FPA Annual Conference
Third-Party Marketers Guide*
October
Space Close: 9/12 Materials Due: 9/27
• Global Investing Where in the world are the best investments? This annual issue gleans the insights from experts on how advisors can globalize clients’ portfolios from equities in emerging markets to bonds from developed economies.
• Women Advisors Forum (Chicago)**
• Infrastructure Investing Will look specifically at investment
opportunities in large public projects that underlie economies, such as roads, rails and power grids.
November
• Asset Managers How are asset managers marketing their products to bank programs? We will explore the specific products and features banks needs and how asset managers filling that demand.
+ Helping the near retiree who has waited too long to start saving
December
• The Top 50 Bank Advisors Our highly anticipated annual ranking of
+ What specific things are the “Top 50” doing that you’re not?
Space Close: 10/9 Materials Due: 10/15
Space Close: 11/6 Materials Due: 11/11
• SIFMA Annual Conference • Schwab IMPACT • Women Advisors Forum (Southern CA)**
the best advisors in the channel. We use specific criteria for the selections and then interview the top winners to fully tell the success stories in the industry.
• Bank Program Profile
The editorial calendar and bonus distributions are subject to change. Please contact your sales manager for the current schedule. *Produced by SourceMedia's Marketing Solutions Group. Please see the Resource Guide editorial calendar for closing dates. ** Denotes SourceMedia events and conferences
In Every Issue: Front Lines • Industry Outlook • Producer Profile • Fund Profile • Production • Careers • Portfolio
BankInvestmentConsultant.com
V12.03.12
2013
Resource guide
Access Advisors Through Our Must-Read Reference Tools Our distinct guides offer a targeted focus in a highly relevant environment. n Annuities & Insurance Our Annuities and Insurance Resource Guide offers advisors articles and analysis to help them better understand and explain the role of insurance to their clients. Our exclusive coverage addresses such key topics as: long-term-care insurance, fixed and variable annuities and variable life products
Issue: March
Ad Close: January 18
Materials Due: January 25
n Third-Party Marketers In our exclusive Third-Party Marketers Resource Guide, we bring bank executives and representatives timely and thoughtful coverage on need-to-know topics about these business partnerships. By advertising in our guide, your message will run alongside valuable content, such as: nurturing the bank/TPM relationship, investment and service offerings and structuring the partnership.
Issue: September
Ad Close: July 11
Materials Due: July 18
Digital Edition Upgrade Resource guides may also be developed into digital editions. The digital editions are live for 6 months and include: • • • •
Digital conversion of your ad page (your ad will be hyperlinked to your site) Capabilities to integrate rich media such as audio or video Monthly status reports including open rates, etc. Fully comprehensive audience development and marketing to drive traffic to digital edition.
Advertiser benefits
✓
Print audience of 26,000+*
✓
Digital edition upgrade option to reach online subscribers.
✓
Editorial content targeted to specific topics that address your unique marketing needs.
Source: September 2012 Publishers Own Data
Gross Rates Full-Page 4C: $14,690 Spread 4C: $22,750
Produced by SourceMedia's Marketing Solutions Group.
BankInvestmentConsultant.com
V12.03.12
2013
Strategic Marketing
Delivering Maximum Results Across All Media Platforms With the resources and creativity of an agency and the reach and expertise of market-leading brand, our marketing solutions deliver fully integrated content marketing programs that enhance your reputation and drive engagement among financial services professionals.
Our Solutions:
DIGITAL
Digital • Web site Advertising • Rich Media • eNewsletters • Podcasts • Email List Rentals • eAdvertorials
• Micro Sites / Landing Pages • Web Seminars • White Papers • eBooks • Mobile Applications
IN-PERSON EVENTS
In-Person
Available in 2013 Expanded Video Capabilities
• • • •
• • • •
• Video Series • Videocasts • Pre-rolls
Display Advertising Custom Pieces Reprints Classified Advertising
Women Advisors Forum Events Conference Sponsorships Custom Roundtables Custom Events
Research • Custom Quantitative: A quantitative study targeting a single market segment. One-time survey consists of up to 25 questions, fielded via our online research tool and qualified survey panels. • Custom Quantitative/Qualitative: Combines a one-time quantitative study with a set of one-to-one interviews with selected subjects drilling down on key findings. • Custom Series: Either or both of the above conducted quarterly or monthly. Each iteration can include a mix of tracking and ad hoc questions. • Syndicated: Multi-client quantitative research programs, conducted quarterly and jointly and sponsored by clients sharing similar research objectives.
BankInvestmentConsultant.com
V12.03.12
2013
PRINT RATES
FOUR COLOR Frequency
open
3x
6x
9x
12x
18x
24x
36x
$10,331
$9,857
$9,292
$8,894
$8,575
$8,343
$8,030
$7,688
2/3 Page
$9,172
$8,667
$7,880
$7,609
$7,418
$7,156
$6,884
$6,658
1/2 Page Island
$8,312
$8,075
$7,767
$7,487
$6,954
$6,727
$6,311
$6,136
1/2 Page
$7,720
$7,246
$6,824
$6,645
$6,257
$6,025
$5,739
$5,507
1/3 Page
$6,056
$5,701
$5,411
$5,263
$5,101
$4,984
$4,819
$4,568
open
3x
6x
9x
12x
18x
24x
36x
Full Page
$8,431
$7,843
$7,176
$6,824
$6,525
$6,287
$6,025
$5,794
2/3 Page
$7,122
$6,654
$5,998
$5,646
$5,474
$5,358
$5,100
$4,869
1/2 Page Island
$6,293
$5,938
$5,646
$5,411
$5,126
$4,893
$4,407
$4,171
1/2 Page
$5,701
$5,227
$4,585
$4,350
$4,192
$4,080
$3,824
$3,477
1/3 Page
$3,924
$3,682
$3,412
$3,295
$3,146
$3,025
$2,899
$2,779
Full Page
BLACK & WHITE Frequency
Short Rate
PREMIUM Cover RATES
COLOR RATES
Cover Tip
$22,500
2-Color
$1,165
Cover 2
$12,000
3-Color
$1,510
Cover 3
$11,650
5-Color
$4,150
Cover 4
$12,250
MECHANICAL REQUIREMENTS Trim Size: 7 7/8” x 10 1/2”
Live Area: 7” x 10”
DIMENSIONS
NON-BLEED (WIDTH X HEIGHT)
FULL PAGE
7" x 10"
SPREAD
15” x 10”
2/3 Page Vertical
4 1⁄2" x 10"
1/2 Page Island
4 1⁄2" x 7 1⁄2"
1/2 Page Horizontal
7" x 5"
1/3 Page Vertical
2 1⁄8" x 10"
1/3 Page Square
4 1⁄2" x 4 7⁄8"
DIMENSIONS
BLEED (WIDTH X HEIGHT)
single-page (full bleed)
8 1/8" x 10 3⁄4"
spread (full bleed)
16" x 10 3⁄4"
Advertisers will be short-rated if, within a 12-month period from date of first insertion they do not use the amount of space (frequency) upon which their billings have been based. Advertisers will be rebated if, within a 12-month period from date of first insertion, they have used sufficient additional space to warrant a lower rate than at which they have been billed. Rebates will be offered as a credit toward future advertising scheduled or as a cash reimbursement.
Cancellation Cancellations accepted only before final date for reservation and must be in writing. 90-day advanced notice is required for preferred positions. Cover positions are non-cancellable. Advertisers will be responsible for late cancellations.
All Print rates are gross unless otherwise noted Rates are subject to change
August 2012 bankinvestmentconsultant.com
Community Connections Pay Dividends p.12 What A Successful Program Needs p.22 Insights and best practices for bank advisors
6 Ways to Boost Productivity p.29
.BSLFUJOH &5'T Vanguard strategist Joel Dickson argues there’s room for innovation. p.16
Any ad unit that measures in excess of the non-bleed requirements is considered to be a bleed unit and is subject to a 15% bleed charge.
C1_BICAug12 1
BankInvestmentConsultant.com
7/26/2012 10:25:42 AM
V12.03.12
2013
Online & EMedia Rates
BANKINVESTMENTCONSULTANT.COM
Channel sponsorships (Inquire about other topics)
UNIT
specifications
nET rate
channels
Leaderboard
728 x 90, max file size 40k
$2,250
• Annuities channel
• Insurance
• Retirement
• Bank Brokerage
• Investment Products
• REITS
• Estate Planning
• Mass Affluent
• ETFs
• Life Insurance
• Roth Conversion Center
• High-Net-Worth
• Philanthropy
• Washington
Rectangle
300 x 250, max file size 40k
$3,000
Top Right Header Banner
230 x 90, max file size 40k
$1,500
Button
120 x 90, max file size 20k
$2,000
NEW!
includes
One Month $2,275 6 month minimum
640x480, max file size is 40k
$3,000
•E xclusive 300x250 and 728x90 units on the channel of your choice
PUSHDOWN
970x90 970x415 (Expanded)
$2,825
• Up to five links to white papers or other content on your website
Home Page Wallpaper Skin
1280x1024
$2,250
Home Page & Slide Show Pillar
188x1050
$2,250
Includes
One Month
Slideshow Overlay
300x50
$1,250
$3,500 6 month minimum
Slideshow Transparent
450x50
$1,250
App launch screen (shown every time the App loads), 3 sizes of banner ads, Video inclusion option and logo branding in any house advertising.
Slideshow lower 1/3rd
300x60
$1,250
Interstitial* (Welcome Ad)
Rotate up to three different creatives at one time
• Company name on top of channel page
• Dedicated email to opt-in subscribers
App Sponsorship (For iPad®, iPhone® and Android™)
Search Sponsor (logo)
88x31
$2,750
PUB Bar Button
120x60
$3,500
Mobile Sponsorship
e-newsletter sponsorships
Frequency
One Month
Two 300x50 banners (leaderboard and footer), one 216x36 in-content ad placement and logo inclusion on all promotional marketing.
$1,000 3 month minimum
ADVISORTV
UNITS: 728x90 or 300x250 Top and bottom positions available, max file size 40k. JPEG or GIF file. E-Newsletters
Includes
Delivery
NET RATE*
BIC Daily
Daily
8,000
$800
BIC A.M.
Daily
8,000
$800
First Look
Monthly
Wealth Advisor
17,000
$3,000
Monthly (2nd Wed.)
9,000
$2,750
Breaking News
Varies
7,000
$1,500
Alerts
Varies
7,000
$1,000
What You Missed
Monthly
8,000
$2,000
Women Advisors Forum
Twice Monthly
26,000
$2,300
Co-Branded Email (Your HTML content) opt-in audience
rate
12,000*
$350 per 1,000 with 5,000 minimum
Includes
One Month
Pre-roll advertising on select editorial clips or posted video asset within sponsored programming.
$4,000
Discussion Boards Includes
One Month
728x90 leaderboard banner on the discussion board pages
$5,000 6 month minimum
Digital Magazine ADD-ONS • Cover Wrap • Blow-In • Belly Band • Newsletter (Logo and 50/Word)
• Logo On Navigation Bar • Multimedia • Additional Links To Print Ad • Embedded Video
Call for Pricing
Additional Opportunities
*Source: Bank Investment Consultant's opt-in print and web users
Solutions
CUSTOM E-NEWSLETTERS Includes
NET rate
Create an original e-newsletter on the subject of your choice. Written with our editorial assistance, we help you shape your message and distribute to our audience.
Call For Pricing
• Webinars • White Papers • Microsites
• Podcasts • Videocasts • Digital Show Dailies
• Virtual Roundtables •C ustom Surveys & Research • Reprint Services
Call for Pricing
Quick poll Sponsorship Includes
ONE MONTH
Your logo prominently displayed on the home page next to question.
$2,200
BankInvestmentConsultant.com
All rates are net unless otherwise noted Rates are subject to change
V12.03.12
2013
Classified advertising
Small Ads That Generate Big Results Bank Investment Consultant Classifieds is an ideal environment for direct response advertisers to showcase their products and services to more than 40,000* retail bank advisors. Bank Investment Consultant Recruitment Zone
Bank Investment Consultant Recruitment Zone
Marketplace/Recruitment Zone (4-Color, Per Issue) Ad Sizes
Open
3x
6x
Expect More. It’s SSN.
Expect More. It’s SSN. Looking to Reach the Retail Bank Market? Bank Investment Consultant will put your message in front of 26,100 loyal readers whose gross production is $415,000‌
12X
2.2� x 2.6�
$195
$190
$175
$165
2.2� x 9�
$950
$850
$700
$500
3.4� x 2.15�
$275
$265
$260
$240
4.52� x 2.15�
$385
$375
$365
$335
3.4� x 4.3�
$550
$535
$520
$485
If you expect people who answer the phone and know your name, responsive compliance, streamlined transition, and practice development – all with a better payout, it’s time to grow with SSN.
Call today at 1-888-871-6912 or visit JoinSSN.com. Securities Service Network Inc. Member FINRA/SIPC
Looking to Reach the Retail Bank Market? Bank Investment Consultant will put your message in front of 26,100 loyal readers whose gross production is $415,000‌
Visit Us: www.bankinvestmentconsultant.com
031_BICAug12 1
Call today at 1-888-871-6912 or visit JoinSSN.com. Securities Service Network Inc. Member FINRA/SIPC
GET IN THE RECRUITMENT ZONE
GET IN THE RECRUITMENT ZONE
XXX CBOLJOWFTUNFOUDPOTVMUBOU DPN
If you expect people who answer the phone and know your name, responsive compliance, streamlined transition, and practice development – all with a better payout, it’s time to grow with SSN.
Fast fact: The Bank Investment Consultant audience has an average of $75 Million in assets under management
Fast fact: The Bank Investment Consultant audience has an average of $75 Million in assets under management
To place a recruitment ad contact Sheila Sullivan-Alyskewycz @ 631.659.3370 Sheila.Sullivan@sourcemedia Classified advertising in Print & Online
To place a recruitment ad contact Sheila Sullivan-Alyskewycz @ 631.659.3370 Sheila.Sullivan@sourcemedia Classified advertising in Print & Online
August 2012 bank investment consultant 31
7/25/2012 4:12:00 PM
Visit Us: www.bankinvestmentconsultant.com XXX CBOLJOWFTUNFOUDPOTVMUBOU DPN
035_BICSep12 1
September 2012 bank investment consultant 35
8/17/2012 11:29:09 AM
Value Added Services • Company logo included as part of the print ad at • Agency commission of 15% of gross billing is allowed on classified no additional charge. advertisements Ÿ page or larger. • No additional charge for 4-color ads.
• Classified ads are included in Bank Investment Consultant’s Digital Edition. (When provided, ads are linked to your web site and/or to an email address.)
Marketplace Message Center (Per Month) Options Headline, text and logo 220x200 Banner Unit, 40k max GIF or JPG
Open
3x
6x
12X
$880
$860
$830
$770
$1,300
$1,280
$1,250
$1,170
Specifications
Includes
Headline
Two lines of text (50-60 character max)
Body
10 pixels (170-200 character max)
Company Logo
88x31 pixels
Let us customize a classified campaign for your specific goals. Advertising Contact: Sheila Sullivan-Alyskewycz, Classified Advertising Manager Phone/Fax: 631.659.3370 • sheila.sullivan@sourcemedia.com All Rates Are Net *Source: September 2012, Publishers Own Data
BankInvestmentConsultant.com
V12.03.12
Print Advertising Specifications
2013
Creative Formats & Specifications
A.
B.
E.
C. D.
F.
A. FULL PAGE
B. 2/3 Page Vertical
C. 1/2 Page Island
D. 1/2 Page Horizontal E. 1/3 Page Vertical
F. 1/3 Page Square
Trim Size: 7 7/8" (w) x 10 1/2" (h) Full Bleed: 8 1/8" (h) x 10 3/4" (w) Full Non Bleed: 7" (h) x 10" (w)
4 1/2” (w) x 10” (h)
4 1/2” (w) x 7 1/2” (h)
7” (w) x 5” (h)
4 1/2” (w) x 4 7/8” (h)
2 1/8” (w) x 10” (h)
PDF Specifications
Postscript and PDF Checklist
Submission Information
We prefer to receive digital advertising files in Adobe’s PDF format created from an Adobe application using the PDF/X-1a:2001 specification. Typically, PDF files are created from Postscript files utilizing Adobe Acrobat Distiller, but PDF’s created directly from InDesign will work as well. We do NOT recommend exporting PDF files directly from your native operating system, Quark or other non-Adobe applications. The results of exporting from non-Adobe applications can be unreliable and will not meet our specifications because the profiles listed below were not used in the creation process.
Check Page Size • Page size should not be larger than the maximum allowable dimensions. Maximum single page image area is: 11” W X 17” H and maximum spread image is: 22” W X 17” H. • All pages should be built to trim size. All bleed elements should extend 1/8” or more beyond trim size. Please keep all images and copy within the live area, at least ¼” away from trim. The trim sizes for our publications are detailed in our rate card. • Crop marks indicating trim size should be placed at least 1/4” or more beyond bleed so they do not appear within that area where images may print.
Set your FTP Client software to the following configuration: (with proofs sent to the indicated address)
Creating PDF’s from an InDesign File Adobe PDF Presets menu • Choose PDF/X-1a:2001 • Then choose Export from the File menu
Creating PDF’s from a Quark File First you will need to create a Postscript file from Quark and then create the PDF with Acrobat Distiller using the PDF/X-1a:2001 settings.
Check Colors Used • E nsure all color NOT intended to separate as a spot color is defined as Process color (CMYK)
FTP Site Address: ftpfiles.sourcemedia.com User Name: AdDrop Password: rainbow Upload files to: /dropbox/AdMaterials • When files are uploaded, please notify Production Department.
Send files with proofs to: SourceMedia/Bank Investment Consultant One State Street Plaza, 27th Floor New York, NY 10004 Attn: Bank Investment Consultant Trafficking
Check Fonts • E nsure that all fonts used are PostScript type 1 or Open Type fonts. We do not accept TrueType or MultipleMaster fonts. Check Images 1. All images must be CMYK or Grayscale TIFF or EPS, with a minimum resolution of 200 DPI for newsprint ads& and 300 DPI. for magazine ads. 2. Do not nest EPS file into another EPS file. 3. Do not embed ICC profile with images. 4. Total ink density should not exceed 280% for magazine ads, or 240% for newsprint. Proofs All color documents must include a SWOP standard color proof. We will attempt to color-match on press, as closely as possible, to what is provided. All B/W documents must include a composite laser. Files can be sent on: 1. CD/DVD ROM 2. FTP
BankInvestmentConsultant.com
V12.03.12
ONLINE Advertising Specifications
2013 Creative Formats & Specifications
SourceMedia uses DART for Publishers (DFP) to serve ads to its websites. DART for Advertisers clients (DFA) are encouraged to send Internal Redirects to expedite the ad traffic process. STANDARD BANNER ADS:
ClickTag with Flash
File Formats: • GIF (static or animated) • JPG (static) • Flash (see instructions below. Please note, Flash banners are not viewable on iPhone or iPad) • 3rd Party Tags (from approved 3rd party RM Vendors: Atlas, Mediaplex, Pointroll, Eyeblaster, etc.)
To track when a user clicks within a flash, a ClickTag variable MUST be embedded in the .fla file. Please follow this example and instruction: 1. Add an invisible button making entire area of the banners clickable. 2. Attach the following object action to the button: On (release) { getURL (_level0.clickTag, "_blank"); }
■ All files must be 40K or less. ■ Max looping: indefinite ■ Max animation: :15 ■ Max frame rate for flash : 18fps ■ Audio must be user initiated ■ Creative due 5-10 days in advance of campaign start date ■ For e-Newsletters we DO NOT accept 3rd party tags, Rich Media redirect tags, or
Flash files ■ We can only serve GIF or JPEG file (static images preferred) ■ e-Newsletters ads are set live for six (6) months **Also note while we accept animated .gif files for newsletters, users of Outlook 2007 will not be able to view them correctly. We recommend using static images for newsletters.
E-newsletter materials are due: 3 business days prior to issue date
Rich Media Rich Media File Formats Accepted 1. Approved 3rd Party Rich Media 2. Flash 3. HTML Approved Rich Media Vendors Banner: DoubleClick, Atlas, Eyeblaster, Mediaplex, PointRoll, Unicast, Viewpoint, BlueStreak, Flash, HTML Expandable/Out-of-Banner: DoubleClick, Eyeblaster, Linkstorm Interstitial Floating Ads: DoubleClick, Eyeblaster, Atlas, Mediaplex Lead Time for Rich Media Banners: 5-10 business days prior to campaign start date. Lead Time for Special Rich Media Formats (Interstitial Welcome Ads, Peel-Backs, Expandables): Ad Materials due 10 business days prior to campaign’s start date.
Flash Coding Guidelines Please note that Flash ads must conform to the IAB interactive ad specs and guidelines—including file size, animation, and content-in addition to the specific coding specs noted in the SourceMedia Production Guidelines. NOTE: If a third party is serving the ad, please follow that vendor's instructions for coding the Flash ClickTag. All the aspects of the ad (i.e. file size, animation, etc.) must be in accordance with SourceMedia ad specifications.
SourceMedia Flash Production Guidelines Flash version: We support up to Flash version 10
In ActionScript 3, the equivalent code would be: function Clicked(e:MouseEvent):void { navigateToURL(new URLRequest(loaderInfo.parameters.clickTag), "_blank"); } **This will embed the ClickTag variable in the FLA file. This allows the click-through URL to be modified at anytime during the campaign, as opposed to hard-coding the click command in the .SWF file.
Target="_blank" is required in the "Basic Actions" to make sure the click thru opens a new window. NOTE: The implementation is different for each version of Flash, please refer to Macromedia documentation for specific instructions and syntax for using ClickTag variable and the getURL action. http://www.macromedia.com/resources/richmedia/tracking/ When submitting Macromedia Flash banner(s) you must supply: 1. A compiled .swf file – 40K 2. A back-up standard GIF/JPEG image file for non-Rich Media enabled browsers – 40K 3. A click-through URL
Filenames 1. All files should begin with the same file name and may not exceed 12 characters excluding the extension name. (Example: abc300x250.fla, abc.300x250.swf, abc300x250.gif) The following characters should not be included in the filename: Ampersands: & Asterisks: * Slashes: / or \ Spaces: Question Marks: ? 2. In order to preview the background color of your .swf file in DFP, ensure it is not set in Flash. Instead, set the bottom/last layer to have a graphic that spans the complete movie, so no matter what the background color is set to the user will always see the background color.
Submission Information One-pixel border: SourceMedia highly recommends inserting a one-pixel border around the ads that have a white background so the user may be able distinguish it from white background areas of the site. Referring URL/link and Tracking: SourceMedia will not schedule any campaigns with inactive referring URL/link (destination page/site). Email or FTP Information: Send materials and files using the following FTP. Please use the name of the folder or the subject line of the email to specify the name of the product where your ad will run. Email to your online ad traffic coordinator firstname.last@sourcemedia.com. FTP Site Address: ftpfiles.sourcemedia.com Username: aduser Password: fulcrum29
BankInvestmentConsultant.com
V12.03.12
ONLINE Advertising Specifications
2013 STANDARD AD SPECIFICATIONS
Additional Requirements: See Ad Guidelines & Policies and Implementation Instructions Lead Time: 5–10 Business Days Ad Unit Size
Max File Size
File Formats
Rich Media Accepted
Max Animation
Looping
Audio/Video Initiation
FPS
Standard Medium Rectangle (also available as interstitial in slideshows)
300x250
40K max
GIF, JPG, FLASH, 3rd Party
YES
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
Standard Leaderboard (also available for printout sponsorship)
728x90
40K max
GIF, JPG, FLASH, 3rd Party
YES
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
20K max
GIF, JPG, FLASH, 3rd Party
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
20K max
GIF, JPG, FLASH, 3rd Party
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
20k max
GIF, JPG, FLASH3rd party
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
NO
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
Click Only
24 fps
Ad Format
Standard Button
120x90
Standard Button
180x150 220x200
Standard Button
230x90
NO
NO
NO
Button 2 (pub bar unit)
120x60
20k max
GIF, JPG, FLASH, 3rd party
Center Story Inject 1
234x60
20k max
Logo and copy only
NO
N/A
N/A
Click Only
N/A
Center Story Inject 2
234x60
20k max
Logo and copy only
NO
N/A
N/A
Click Only
N/A
188x1050 (left panel) and 188x1050 (right panel) Also available as 1280x1024
50k (left panel) 50k (right panel)
GIF, JPG, FLASH 3RD Party tags accepted
NO
N/A
N/A
Click Only
18fps
Wallpaper
100k for 1280x1024
These ads are served on specific pages on our sites - homepage, slideshow pages and article pages. We do not allow rotating ads in this placement. These ads are sold on a time basis. Search Sponsor Ad Container (Non-IAB standard size)
88x31
15k
JPG, GIF
NO
N/A
N/A
Click Only
N/A
Overlay Ad (available in slideshows and video)
300x50, 450x50
100k
.SWF (Flash) back up JPEG, GIF
NO
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
N/A
N/A
Lower Third (available in slideshows)
300x60
50k
SWF (Flash) with backup JPG and GIF
NO
:30
No loop maximum, but total animation time for all loops combined cannot exceed 30 seconds.
N/A
N/A
** Note that for Wallpaper/Skins use the following ClickTag script. These units are available to run on the homepage and slideshow pages only. Recommended frame rate: 18fps. clickTAG script: on (release) { getURL(clickTAG); } ** Medium rectangle ads are also available in all slideshows. The ad creative displays after every 4th image. A maximum of 2 ads per slideshow.
BankInvestmentConsultant.com
V12.03.12
ONLINE Advertising Specifications
2013 RICH MEDIA ADS FORMATS AND SPECIFICATIONS Ad Format
Expandable
Ad Unit Size
Max Expansion
Max Initial Load File Size
Expansion File Size
Flash Specifics
Audio Initiation
Maximum Animation Length
300x250
500x500
40K max
70K (polite load)
18 fps
User Initiated (on click).
:15
• Control = “Close X” • Feature = Enable Mouse-Off Retraction
:15
• Control = “Close X” • Feature = Enable Mouse-Off Retraction.
Expandable
728x90
728x270
40K max
70K (polite load)
18 fps
User Initiated (on click).
400x600
40K max
70K (polite load)
18 fps
User Initiated (on click).
:15
• Control = “Close X” • Feature = Enable Mouse-Off Retraction
40K max
1.2 MB*** Download (Video/ Streaming Only) (Polite Download)
18 fps
User Initiated (on click).
:30
• Control = “Close X”, Play, Pause, Rewind, Volume
18 fps
User Initiated (on click)
:15
• Control = “Close X” • Feature = Enable Mouse-Off Retraction
18 fps
User Initiated (on click).
:15
120x600 Expandable
160x600 (some sites)
In-Banner Video
Controls
300x250
500x500
Peel Back
125x125
700x700 (Depending on Publisher)
40K max
70K (polite load) Incremental 1 MB allowed if incorporating video
Pushdown
970x90
970x415
40k
60k
• Open = Expands on Click • Control = “Close X”
Pub Bar (3rd Party not accepted)
120x60
640x480
20K
50K
18 fps
User Initiated (on click).
:15
• Control = “Close X” • Feature = Interstitial container with “Close X” function.
Welcome Ad
640x480
N/A
40K
N/A
18 fps
User Initiated (on click).
:15
• Control = “Close X” Feature = Interstitial container with “Close X” function
:30
• Controls = Play, Pause, Mute (volume control to zero (0) output may be included instead of or in addition to Mute control)
Video Pre-roll
580x320
N/A
Expansion Directions:
2MB
N/A
1. Creative pixel sizes include banner and panels. 2. The 728x90 Top/Bottom expands down only. 3. The 300x250 expands left. 4. The 120x600/160x600 expands right only. 5. The 970x66 Pushdown Expands down 6. The Pub Bar 120x60 opens a 640x480 ad in the middle of the page. We don’t use 3rd Party tags for Peel Back ads. 7. Method of expansion and un-expansion must be the same 8. Expansion “hotspots” must be clearly identified. “Hotspots” cannot exceed 33% of ad space; horizontal “hotspots” cannot exceed 50% of horizontal pixel length; vertical “hotspots” cannot exceed 50% of vertical pixel length.
N/A
User Initiated (on click)
Best Practices Guidelines:
1. “User Initiation” defined: User initiation is the willful act of a user to engage with an ad. Users may interact by clicking on the ad, and/or rolling over an ad (or a portion of an ad). With respect to user initiation for the purposes of these guidelines, a roll-over is defined as a willful pause of the user’s cursor on the target portion of the creative (the “hot spot”), such pause lasting at least 1-second in duration, before an action may be initiated by the ad (i.e. trigger an expand, etc.). This pause/ delay prevents unwanted user initiated actions, and false reporting of user engagement. 2. Percentage of CPU usage is based on the Publisher defined benchmark end user-CPU for its audience. For SourceMedia this complies with IAB standards best recommendation of 33%. 3. Note: Rising Star ad units are designed to be the only rich media ad unit displayed on a webpage. Because of increased file load size, displaying a Rising Star ad unit with any other rich media unit may compromise page-load performance.
MOBILE/SMARTPHONE Leaderboard (also footer ad placement)
300x50
.gif, .png, .jpg for still image Animated .gif for animated banner placements
Basic banner size: <5k Enhanced banner size: <7.5k
In-content ad placement
216x36
.gif, .png, .jpg for still image Animated .gif for animated banner placements
Basic banner size: <3k Enhanced banner size: <4.5k
BankInvestmentConsultant.com
V12.03.12
ONLINE Advertising Specifications
2013 Creative Formats & Specifications
PRE-ROLL / VIDEO AD SPECS AND GUIDELINES Pre-Roll is a video ad experienced in-stream, before the video content is played for the viewer. SourceMedia Online Advertising offers :05 to :15 second pre-roll video assets across the majority of our content areas. Pre-roll video assets may be accompanied by a companion banner ad. Companion ads must offer click-through interactivity to direct the viewer to the advertiser’s intended landing page.
CREATIVE :10 – :15 second pre-roll with synched display banner. The preferred length is a standard provided to ensure maximum exposure across SourceMedia sites network. • Video Dimension: 580x320 • Max File Size: 2MB • Video Initiation: Host Initiated TRACKING Pre-roll is site-served and clickable. Tracking pixels (which must return a 1x1 gif) must be submitted at the time the pre-roll is submitted. Tracking pixels cannot be accepted post-launch. 1x1 pixels accepted to measure Imp. Click & Complete URLs to measure Midpoint and Completion of pre-roll spot 3rd Party Serving: Not Accepted*** ACCEPTED VIDEO FORMATS • MP4, FLV, MOV, AVI, VAST Redirect, VAST InLine (encoded in Low, Mid, High) • 1.2MB • Finished size and length - should require no cropping, squeezing, or editing • We only accept these digitally (ZIP, link, or FTP) • All compression applied to media files reduces the quality of our encoding process • We prefer minimal compression (H264 or uncompressed) • We can’t correct sound issues caused by compression applied to your original media • We can’t correct visible damage caused by compression applied to your original media
SOUNDTRACK All files must contain a soundtrack, even if the ad is to run without sound. COMPANION / SYNCHED DISPLAY BANNERS Consistent with SourceMedia Online Rich Media Ad Guidelines: File format: JPG or GIF Banner Size: 300x250, 728x90 File Size: initial load = 40k, max file size = 80k Click URLs a must*** DELIVERY OF VIDEO ASSETS 1. Video ad asset 2. Exit URL to client site 3. Backup GIF or JPEG image 4. Tracking requirements 5. 1x1 click through and view through tracking tags (optional) SUBMISSION GUIDELINES To be provided to designated SourceMedia contacts and/or FTP information below 5 to 10 Business Days prior to launch***
FTP Site Address: ftpfiles.sourcemedia.com Username: aduser Password: fulcrum29
For More information, Contact: Betty Lai Digital Ad Coordinator 212.803.8586 betty.lai@sourcemedia.com
BankInvestmentConsultant.com
V12.03.12