FINANCIAL PLANNING & INVESTMENT MANAGEMENT
www.wagnerfinancial.com
STEPHEN WAGNER | steve@wagnerfinancial.com CERTIFIED FINANCIAL PLANNER™
Stephen H. Wagner is a CERTIFIED FINANCIAL PLANNER™ and Investment Advisor who for decades has helped individuals, families and businesses make wise and educated financial decisions.
CHRIS WAGNER | chris@wagnerfinancial.com WEALTH MANAGEMENT ASSISTANT
Christopher Wagner is Stephen’s assistant and an Wealth Management Assistant. He enjoys working alongside his father assisting with the financial planning process. He is also in charge of the life & long term care insurance planning.
HELPING PEOPLE MAKE SMART FINANCIAL DECISIONS FOR OVER 25 YEARS!
SHARON MEDINA | sharon@wagnerfinancial.com BRANCH OPERATIONS MANAGER
Sharon has worked for Wagner Financial since June of 2004. She currently holds the financial industry Regulatory Authority (FINRA) Series 6 and 63, with LPL Financial. As Branch Manager, Sharon oversees office procedures, paperwork processing, as well as client service needs. JESSAMYN LIM | jess@wagnerfinancial.com ADMINISTRATIVE ASSISTANT
Jessamyn Lim started working at Wagner Financial in 2000, and arranges scheduling and event planning. She also assists Sharon with administrative duties.
LETI PONCE | leti@wagnerfinancial.com ADMINISTRATIVE ASSISTANT
Leti has been with Wagner Financial since 2011 and is an assistant to Sharon. She supports and assists in processing paperwork and responding to client inquiries in a timely manner.
JESSICA MCTAVISH | jmctavish@wagnerfinancial.com CLIENT SERVICES ASSISTANT
Jessica assists in general client account inquiries and is our account aggregation (WealthVault) specialist. She enjoys communicating and assisting clients.
OUR FINANCIAL PLANNING PROCESS A CONVERSATION
to get to know you, and understand your goals and objectives. Services offered through Wagner Financial will be discussed along with any initial questions or concerns, free of charge.
GATHERING INFORMATION
on important data for analysis such as investment statements, tax returns, insurance policies, etc. In addition, we run through an exercise to determine your own unique level of risk tolerance using the risk number method.
ANALYZE
the data to determine if you are on the path to meeting your goals and objectives. This includes measuring the risk within your current investment portfolio and financial plan, then stress testing them under unexpected financial variables, be they positive or negative.
RECOMMENDATIONS
and specific action items regarding your plan and investment portfolio are discussed; we will visually review the stress test results of both the current and recommended plans and portfolios. We provide references to qualified professionals we trust as needed (for example, CPA’s and Estate Planning Attorneys).
IMPLEMENTATION
of the plan, if and when the recommendations are agreed upon. Our objective is to ensure that all transactions are executed promptly and smoothly.
MONITORING
your investment portfolio and adjusting it to accommodate ever changing economic and personal circumstances involves regular in house review as well as periodic meetings between you, Stephen and staff. We find in our industry that this step is often neglected, but at Wagner Financial it is paramount.
WHAT IS YOUR RISK NUMBER™?
BUILD A HIGHLY PERSONALIZED INVESTMENT STRATEGY We pride ourselves in using cutting edge Risk Number™ technology. It identifies your acceptable levels of risk and reward with unparalleled accuracy. Using this tool, we ensure that your portfolio aligns with your investment goals and expectations. The patented Risk Number™ technology objectively calculates an investor’s true risk tolerance utilizing a scientific framework that won the Nobel Prize for Economics.
CASE STUDY
Actual clients, name has been changed
LUKE & JEN SMITH
CURRENT PORTFOLIO
RETIRED, AGES 67 & 64
The Smiths are a retired couple who reached out to us to review their portfolio after becoming concerned with its performance. We examined the portfolio and measured the risk within, and determining that it had a risk number of 78.
ACTUAL RISK TOLERANCE
RISK
RISK
78
29
After taking the risk exercise we discovered that their true risk number was 29, significantly lower than the current ammount of risk carried in their portfolio. The Smiths were taking far too much risk according to their risk assessment, it’s no wonder they felt so uncomfortable with their retirement savings investment portfolio!
The Smiths decided they should reassess their financial plan in accordance with their current risk number and lifestyle, all while seeking opportunity in the current economic landscape.
WE CAN STRESS TEST YOUR CURRENT PORTFOLIO
We have the ability to measure the amount of risk in your current portfolio and show you how it might react in a variety of economic conditions.
IF A 2008-LIKE BEAR MARKET WERE TO HAPPEN AGAIN...
RISK
78
-38.0% S&P 500 INDEX JAN 1, 2008 - DEC 21, 2008
RISK
29
-5.8% THIS PORTFOLIO’S ESTIMATED PERFORMANCE
The projections or other information generated by Riskalyze regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. These figures may exclude commissions, sales charges or fees which, if included, would have had a negative effect on the annual returns. No strategy assures success or protects against loss. Investing is subject to risk which may involve loss of principal. Riskalyze is not affiliated with LPL Financial.
A GLIMPSE INTO YOUR FUTURE
WEALTH VISION
We’re able to show you what your cash flow and net worth may look like leading up to and through retirement and under both positive and negative unexpected financial variables. $2M
$1.5M
$1M
$500K
TODAY
AGE 100
WealthVault
TAKE CONTROL OF YOUR FINANCIAL WORLD ORGANIZE | UNDERSTAND | MONITOR | COLLABORATE
Organizer Connect ALL your accounts and information for an organized consolidated view.
Investments Interactive charts and detailed views provide you with increased visibility into your accounts.
Vault Safely store your most important documents for quick and easy access.
Updated Net Worth Your net worth is calculated and updated daily.
Spend Tracking Know how much you’re spending and where.
Budgeting Tools Set budgets to help you reach your savings goals.
WealthVault
FOR RETIREMENT & PENSION PLANS “One size fits all” does not apply to retirement plan providers and sponsors. Every business has its own unique intricacies that dictate which provider will best suit them. That’s where a true independent retirement plan advisor can help you when considering the pro’s and con’s of each provider.
RETIREMENT PLAN BENCHMARKING
We can show you how your plan stacks up against its peers when it comes to fees, performance, and participation rates. Our team is unbiased; they will present to you a variety of highly reputable providers that fit your company’s goals and objectives specifically.
PARTICIPANT EDUCATION
We provide training workshops and webinars for all of your participants, giving them personal insight into how their plan works, how they can make changes, and what they can expect.
MONITORING & REPORTING
We will meet periodically with the plan’s management committee to assess whether the plan is performing as expected, as well as provide access to regular plan performance reports. Emphasis is placed on keeping up to date with Employment Retirement Income Security Act (ERISA) and Department of Labor (DOL) regulations, and effecting any necessary changes in order to stay compliant.
FIDUCIARY SOLUTIONS
The DOL has deemed all plan fiduciaries are personally liable for ERISA violations that cause plan losses. Now, more than ever, it is important to be aware of and understand your fiduciary responsibilities. We will educate you and keep you informed!
wagnerfinancial.com/for-business
WE UNDERSTAND WHAT YOU’RE LOOKING FOR:
LESS WORK LOWER COSTS LESS FIDUCIARY RISK SUPERIOR EDUCATION FOR PARTICIPANTS
CASE STUDY ANDERSON V. PRINCIPAL LIFE INS. SETTLED Summary: The plaintiffs, representing current and former employees of Principal, sued their employer claiming breach of the duty of loyalty and excessive fees. Principal settled the case for $11 million and was required to cut ongoing administration fees in half.
This case along with thousands of other law suits filed against plan sponsors could have been avoided if there was a qualified retirement plan advisor in place that regularly met with the plan sponsor and management to review the plan in order to keep it compliant with DOL and ERISA regulations and standards.
TRUST, INTEGRITY, AND SERVICE.
OUR COMMITMENT TO EACH AND EVERY CLIENT.
WAGNER FINANCIAL
1001 Partridge Drive, Suite 110 Ventura, CA 93003 (805) 339-0760 | (805) 339-0793 www.wagnerfinancial.com Stephen Wagner is a Registered Representative with and securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Wagner Financial, a registered investment advisor and separate entity from LPL Financial.