C OMPREHENSIVE P LANNING P ROSPERITY THROUGH AN INTEGRATED APPROACH TO PROTECTING AND GROWING YOUR WEALTH AND ACHIEVING YOUR FINANCIAL GOALS . Why High Net Worth Individuals Turn to CFO4Life L FE 4 CFO Securies offered through LPL Financial Services. Member FINRA/SIPC Independent – CFO4Life has no proprietary products. This means you can be sure that any advice you get is completely unbiased and is given with the sole intention of helping you achieve your Goals, Dreams, and Aspirations. This should provide you with a sense of comfort not found with many other firms. High-Touch Service Culture – Individuals and their families quickly feel our team’s commitment to the success of their plan with a client service approach that is second to none. From reminders to send estimated tax payments to dealing with unexpected life events, our team of professionals stay in touch throughout the year as they become your coach, mentor, and trusted advisor. Personal Chief Financial Officer – You have a plan or a vision for your financial future. Tending to and coordinating all the relationships necessary to keep your plan on track can be time consuming. Choosing our firm centralizes many of the relationships required to manage your plan. For relationships outside our firm, such as those with attorneys and bankers, we act as the liaison to ensure you maintain one point of contact for action and information. This strategy allows you to spend more time on the things you deem most important. Specialists - With over 100 years of collective professional experience, our team of Certified Public Accountants and Certified Financial Planners™ has mastered the financial management of high net worth individuals. National – With clients located throughout the United States, our national presence is supported by our association with LPL Financial, the nation’s largest independent broker/ dealer. With $275 billion dollars under management, LPL Financial currently has over 10,000 financial professionals located in more than 3,300 branch offices nationwide and CFO4Life consistently ranks in the top 1% of these producers. More and more high net worth Individuals are turning to CFO4Life for their comprehensive financial planning needs. Why? There are many reasons, but chief among them are:
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C o m p r e h e n s i v e p l a n n i n gpr o s p e r i t y t h r o u g h
A n i n t e g r At e d A p p r o A c h top r o t e c t i n g A n d g r o w i n g yo u r w e A lt h A n d A c h i e v i n g yo u r f i n A n c i A l g o A l s .
Why High Net Worth Individuals Turn to CFO4Life
L FE4CFO
Securities offered through LPL Financial Services. Member FINRA/SIPC
independent – CFO4Life has no proprietary products. This means you can be sure that any advice you get is completely unbiased and is given with the sole intention of helping you achieve your Goals, Dreams, and Aspirations. This should provide you with a sense of comfort not found with many other firms.
high-touch service culture – Individuals and their families quickly feel our team’s commitment to the success of their plan with a client service approach that is second to none. From reminders to send estimated tax payments to dealing with unexpected life events, our team of professionals stay in touch throughout the year as they become your coach, mentor, and trusted advisor.
personal chief financial officer – You have a plan or a vision for your financial future. Tending to and coordinating all the relationships necessary to keep your plan on track can be time consuming. Choosing our firm centralizes many of the relationships required to manage your plan. For
relationships outside our firm, such as those with attorneys and bankers, we act as the liaison to ensure you maintain one point of contact for action and information. This strategy allows you to spend more time on the things you deem most important.
specialists - With over 100 years of collective professional experience, our team of Certified Public Accountants and Certified Financial Planners™ has mastered the financial management of high net worth individuals.
national – With clients located throughout the United States, our national presence is supported by our association with LPL Financial, the nation’s largest independent broker/ dealer. With $275 billion dollars under management, LPL Financial currently has over 10,000 financial professionals located in more than 3,300 branch offices nationwide and CFO4Life consistently ranks in the top 1% of these producers.
More and more high net worth Individuals are turning to CFO4Life for their comprehensive financial planning needs. Why? There are many reasons, but chief among them are:
Why can’t I do It myself?
You can, if you have enough time and knowledge, but developing a comprehensive financial plan may require expertise in several areas. A financial professional can give you objective information and help you weigh your alternatives, saving you time, and ensuring that all aspects of your financial picture are covered.
That’s where financial planning comes in. Financial planning is a process that can help you reach your goals by evaluating the whole financial picture, then outlining strategies that are tailored to your needs and available resources. Comprehensive financial planning involves facilitating the many relationships necessary to achieve a truly comprehensive and successful plan.
Can you picture yourself owning a new home, starting a business, or retiring comfortably? These are a few of the financial goals that may be important to you and your spouse, and each comes with a price tag attached.
Comprehensive Financial Planning Helping You See the Big Picture
?yo u r Fi n a n C i a l re l at i o n s h i p s
L FE4CFO
Securities offered through LPL Financial Services. Member FINRA/SIPC
Analyses & Professional Services Your Financial
Quarterback
Yes, we prepare tax returns, generate life plans, and act as your financial quarterback. Our most important deliverable is to provide you with the ability to achieve your lifelong Goals, Dreams, and Aspirations
We will prepare a comprehensive personal financial plan that includes:
• Financial statements – cash flow and balance sheet projections.
• Modeling sources and uses of income based on expected earnings scenarios.
• Projections and funding alternatives to meet other proposed goals.
• Income tax-efficient implementation recommendations.
• Dependent needs analysis and assessment of current insurance coverage - review cost/benefit, tax-advantaged ownership, and beneficiary designations.
• If requested, coordinate estate document review and updates with your counsel or an Accredited Estate Planning (AEP) attorney.
• Evaluation of your present wealth-building position and recommendation for an ongoing program.
Broker/Dealer
The firm’s securities are offered through LPL Financial Services, a national broker/dealer and Registered Investment Advisor supporting over 10,000 financial professionals located in more than 3,300 branch offices nationwide. LPL Financial is rated as the nation’s largest independent broker/dealer.
The Business We Are Really In: Your Personal Chief Financial OfficerMost firms focus on the traditional model of delivering you pieces of paper that become static information. As your personal chief financial officer, your Life Plan becomes our action plan as our service model goes beyond the traditional approach.
Securities offered through LPL Financial Services. Member FINRA/SIPC
Transactional Approach Relational Approach
financial planningHow can we increase Cash Flow?•How can we better manage debt?•Is emergency fund in place?•
Are milestones on-target?•
Tax Preparation & Planning
Are returns filed?•
Has ES payment been sent?•
Is tax exposure minimized?•
Have previous tax projections been •affected?
Investments & Banking
Are company benefits maximized?•
Is portfolio comparing favorably to •benchmarks?
Are assets properly allocated?•
Can we re-negotiate bank loans?•
Insurance & Estate PlanningIs adequate coverage in place?•Are heirs sufficiently informed?•Will estate plans meet client’s wishes?•How can we reduce estate taxes?•
In the beginning, the client anticipates a meeting to review numbers and complete forms.
What actually occurs is a meeting to pinpoint the client’s Goals, Dreams, and Aspirations.
Introspection Phase
The client discusses and highlights goals identi�ed in prior meetings and makes revisions.
Develop a clear picture of the current �nancial situation by reviewing income, assets, and liabilities. Evalutate insurance coverage, investment portfolios, tax exposure, and estate plan.
Financial Planning Phase
Planner identi�es strategies that address current �nancial weaknesses and builds on �nancial strengths.
Armed with the client’s Goals, Dreams, and Aspirations an enlightened �nancial plan is formed.
Engagement of Plan
The client is con�dent in the knowledge that they have an informed team focused on their best interests.
Monitor the plan and make adjustments as life situtations and circumstances occur.
The client experiences peace of mind and excitement about the future.
L I F E
The Financial Planning Process
The first step will involve our thorough understanding of your current and desired financial status and identifying your specific Goals, Dreams, and Aspirations. This is accomplished preferably through personal interviews but information can also be gathered by phone and other correspondence. In addition to information we accumulate through completion of a Personal Financial Organizer or similar questionnaire, we will review copies of:
Recent retirement plan account •statements
Recent non-retirement investments and •bank account statements
Recent tax returns•
Wills, trusts, and collateral documents•
Life insurance policies•
Next, we will review and analyze the data we have accumulated. Based on our analysis, we will develop recommendations to achieve your objectives, and assist you in determining how well various alternatives meet your needs. Given your understanding and agreement with the solutions that we propose, we will be ready to help you implement the plan. Finally, we encourage periodic review of your plan and we will assist you in making adjustments as they are needed.
the cfo4life Planning Process
Securities offered through LPL Financial Services. Member FINRA/SIPC
The financial planning process does not end once your initial plan has been created. It’s actually just the beginning. Our commitment to the success of your plan will quickly become clear as we are in touch with you several times throughout the year. This will ensure that we are aware of your situation. Here is an example of how our client relationship works throughout the year:
we take a team approach to advising clients on the right investing strategies and developing a sound financial plan.
the differentiator: high touches and superior customer service
Month contact topic
January Meeting Review supporting documents for prior years’ tax preparation
Phone Call Reminder to discuss fourth quarter ES paymentApril Meeting Review and discuss prepared tax return and filingMay Meeting Review updated plan and investment performanceJune Social Fourth Annual Client Appreciation Event at Lone Star Park
racetrackPhone call Reminder to discuss second quarter ES payment
August Meeting Follow-up on action items from prior meeting Review insurance and estate planning documents
September Social 11th Annual Client Appreciation and Charity Golf Tournament Reminder to discuss third quarter ES payment
October Meeting Review updated plan and investment performanceDiscuss a recent life-changing event and how to handle it For example, providing additional support to an ailing parent
December Meeting Year-end tax planning Discuss strategies to minimize tax exposure
Securities offered through LPL Financial Services. Member FINRA/SIPC
pl a n t i n g t h e se e d s F o r a se C u r e Fu t u r e.
in d e p e n d e n t ad v i C e
We will provide professional investment advice, including stocks and bonds, mutual funds, fee-based asset management, annuities, life insurance, direct investments, and money market accounts.
Advice is centered solely on meeting client investment objectives. In order to preserve the integrity of the investment advice given by our representative, we do not propose nor do we have any proprietary products. Our recommendations are based on your needs and not sales incentives. Independence and integrity are the cornerstones of our relationship with you.
L FE4CFO
The core function of our business is converting data into information, information into knowledge, and finally, knowledge into creative actions. Our Client Relationship Management (CRM) software arms our team with the information vital to providing enhanced client service.
ma n a g i n g Cl i e n t
re l at i o n s h i p s
Securities offered through LPL Financial Services. Member FINRA/SIPC
About Your CFO4Life Team
cfo4life was founded in 1981 with a background in public accounting. Today, we are ranked in the top 1% of the nation’s largest independent broker/dealers. With over 100 years of collective professional experience we have become specialists in the field of financial planning. We work with high net worth Individuals who see us as their personal chief financial officer. Our organization consists of a team of professionals dedicated to providing clients a comprehensive array of services within a high-touch service culture that is second to none. We strongly believe that in order to ensure our clients’ life plans are successfully implemented, it is important that we develop a sincere, friendly relationship that goes beyond the usual, superficial “see you one or two times a year” association.
One example of our commitment to customer service is our significant investments in technology and data management. We utilize a client relationship management (CRM) database to ensure that we capture and track information vital to meeting the tailored needs of a client’s life plan. We track a range of information from high-level risk profiles, to important age milestones, to the name of the family pet. No piece of information is too small or unimportant. We strive to become our client’s coach, mentor, and friend so that our clients can experience the peace of mind they have worked hard to achieve.
our commitment to you
To provide comprehensive services that satisfy your financial management needs and help you to achieve your Goals, Dreams, and Aspirations.
We will focus on your needs•
We will act with integrity, honesty, and openness in •everything we do for and with you
We will return your phone calls promptly•
We will meet the deadlines we set•
We will make it easy for you to do business with us•
You will experience a level of customer service that will •exceed your expectations
We provide useful advice and a unique, integrated approach that can help you manage your wealth
and achieve your financial goals.
Securities offered through LPL Financial Services. Member FINRA/SIPC
Planning
Securities offered through LPL Financial Services. Member FINRA/SIPC
Most financial planning firms will focus you on Retirement Planning. For some, that’s an adequate approach. For us, that approach isn’t good enough. Retirement Planning usually implies that you are working for that one day in your life when you can retire.
Life Planning is about today. About right now. We know you don’t start living when you retire – you’re life is happening this instant. Based on your goals and dreams, we’ll work with you to establish a life plan to include your dreams for now, not just later.
We’ll be there to guide you at each step cheering you on to the next. We’ll be there to ensure that your plan stays aligned with your life today and the future. When we say we’re CFO4Life, we mean YOUR Life.
L FE4CFO
CFO4Life Inc.735 Plaza Blvd., Suite 100, Coppell , Texas 75019
