Proposal for The Sample Family - OverShare Advice and ... · Based in Frisco, Texas “SAMPLE“ - Page 2 of 23 – OverShareAdvice.com ... divorce, minor children with a Driver’s

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Proposal for

The Sample Family

Your Financial Planning Experience

Hemispherical Mapping and Scoring

Orbital Risk Awareness

OverShare Advice and Planning, LLC

Serving Virtually and Locally

Based in Frisco, Texas

“SAMPLE“ - Page 2 of 23 – OverShareAdvice.com

OverShare Advice and Planning, LLC – Hemispherical Wealth Management

TABLE OF CONTENTS YOUR CLIENT EXPERIENCE

• Virtual and Local Client Meetings • Psychology of Investing – Behavioral Finance • Evaluating with Your Hemispherical Wealth Management Score and Map

YOUR PLAN – YOUR SCORE

• Your Planning Process • Your Personal and Financial Objectives • Investor Risk Assessment and Investor Profile • Organization and Coordination • Investment Planning and Portfolio Matching • Orbital Risk Awareness • Creditor Protection • Education Expenses • Estate Planning and Legacy Creation • Business-Owner Planning

THE DIGITAL ADVANTAGE

• Digital Engagement • Wealth Management System • The Analysis Advantage • Financial Planning Analysis • Investment Analysis

OVERSHARE ADVICE AND PLANNING, LLC – COMPANY INSIGHT

• About OverShare Advice and Planning, LLC • About Our Clients and About Our People • Hemispherical Scoring and Mapping Method • Core Beliefs and Guiding Principles

FINANCIAL PLANNING SERVICES

• Service Models • Financial Planning Fee • Next Steps and Action Plan



THE PLANNING PROCESS

Introduction

Feasibility

Study

Preliminary

Meeting

Strategy

Meeting

Plan

Presentation

Implementation

Review and

Service

• Discuss our services and history.

• Review your situation and concerns.

• Review general objectives and financials.

• Determine services to be provided.

• Choose features of plan and establish plan fee.

• Gather financial data and legal documents.

• Discuss and establish financial goals.

• Discuss major concerns and personal outlook.

• The interactive strategy meeting develops “cause and effect” of multiple objectives/scenarios.

• Review specific recommendations

and strategies

• Establish plan of action.

• Schedule follow-up meetings.

• Review your current financial status in relation to your financial goals.

• Discuss potential areas of concern.

• Coordinate meetings with other advisors.

• Review specific investment and product offerings.

• Determine review schedule.

• Analyze ongoing issues.

• Make adjustments to your plan as your situation changes.

• Provide information regarding financial planning topics.



YOUR FINANCIAL PLAN



Your Personal and Financial Objectives (SAMPLE)



Your Personal and Financial Objectives (SAMPLE)

• Obtain an unbiased review of your financial situation with an emphasis on financial independence planning, business-owner planning and legacy planning for distribution of your estate.

• Ensure the ability to withdraw assets from the business to fund retirement goals with a focus on

maintaining your standard of living during your retirement years. • Verify that you will be able to fund your desired lifestyle in retirement under various scenarios given

a set of certain assumptions. • Ensure that adequate sources of income are available for your survivors in the event of your

premature death, disability or long-term care need. • Take advantage of strategies to protect assets from liability suits or other claims. • Evaluate the feasibility of purchasing additional real estate property after the expected sell of current

vacation property. • Determine the most economical and tax efficient way of covering long-term care expenses. • Calculate future costs of college education and the most tax efficient method of funding. • Employ strategies that minimize estate taxes and the administrative costs associated with estate

settlement.

• Analyze current investment portfolios for opportunities to lower expenses and income tax generated from investment portfolios.

• Finalize payment schedule of long-term debt and mortgage.

• Investigate funding charitable donations, contributing to an endowment or funding a private foundation.



OVERVIEW OF SERVICES PROVIDED A preliminary review of your situation indicates that the following services would be of benefit to you: ORGANIZATION AND COORDINATION

• Assist you in clarifying, prioritizing, and completing your financial goals and objectives. • Gather complete data, both objective and subjective. • Coordinate with your existing advisors on the development and refinement of your financial plan.

BUSINESS-OWNER PLANNING

• Evaluate current business as it relates to your personal financial environment. • Determine overall need for business exit strategy and buy/sell agreement to prepare for retirement,

disability, or premature death of business-owner and/or key employees. • Evaluate the appropriateness of the present business entity structure. • Discuss ways to motivate and retain key managers through fringe benefits such as deferred

compensation, phantom stock options, and other incentive programs. • Ensure the ability to withdraw assets from the business to fund retirement goals.



INVESTMENT PLANNING

• Assist in clarifying your investment objectives, both short-term and long-term, and develop a written investment philosophy.

• Evaluate your current investment strategy in relation to your objectives and personal tolerance for

risk. • Identify and discuss alternatives to reduce income tax liabilities as they relate to your investments.

• Assist in developing a comprehensive asset allocation and marketplace diversification strategy that is

tailored to your specific objectives. • Ensure the coordination of your investment plan with the remainder of your financial and estate

planning.

• Review current expenses and total costs of existing investment vehicles and investigate available options.

• Determine proper Portfolio Matching with financial objectives. RETIREMENT PLANNING

• Develop a personal cash flow statement to anticipate future cash flow needs. • Determine if you can be financially independent and fund your desired lifestyle in retirement with

the assets presently available and those accumulated up to the date of retirement. • Discuss ways to augment present retirement plans to assist you in meeting your projected retirement

income needs. • Review the impact of various ways of realizing the value of the business on funding your ‘retirement’.

• Investigate possible Business Sponsored Retirement Plan choices to potentially reduce current income taxes and fund future retirement needs.



ORBITAL RISK AWARENESS

• Investigate your unique set of risks that may potentially impact your financial future; this includes a deeper investigation into risks outside of the investment portfolio.

• Review personal hobbies, lifestyle activities and interests that could possibly introduce financial risks into your plan and determine how to manage risk.

• Evaluate sources of income for your survivors to assure that adequate income is available. • Evaluate the sources of income available to your family in the event of a long-term disability; explore

additional income sources. • Evaluate the impact of the costs of a long-term illness on your financial independence goals. • Determine the most appropriate way of funding the cost of a long-term illness. • Discuss and prepare for health care costs during retirement.

• Review any existing life insurance contracts. Focus on ownership and beneficiary designation of contracts. Evaluate the cost/benefit relationship of your existing contracts. Determine whether contracts will avoid estate taxation.

CREDITOR PROTECTION

• Determine if adequate asset protection is in place. If additional protection is appropriate, consider

reviewing available.

• Determine if your profession is litigation-prone and discuss your possible risks given business and professional activities.

• Review Family-related risks that could impact your financial plans. This could include bankruptcy, divorce, minor children with a Driver’s License, personal injury claims, etc.

• Review the separation of assets for personal and business uses that could negatively impact your financial future.

EDUCATION PLANNING

• Discuss plans for education funding and college funding options.

• Calculate the future costs of college education at multiple universities and learning institutions. • Evaluate the appropriateness of various tax-advantaged vehicles available for accumulating college

funds.

• Discuss possibilities of career paths and preparations for a successful launch pad into work-life.



ESTATE PLANNING AND LEGACY CREATION General

• Evaluate your wills and other estate planning distribution vehicles to determine the effectiveness of your present plan in accomplishing your distribution goals.

• Put your estate through probate on paper, ensuring that the titling of your assets and beneficiary

designations do not conflict with your estate planning goals. • Ensure that strategies are in place to prevent excessive estate settlement costs. • Establish procedures to reduce the administrative costs of estate settlement.

• Coordinate with Estate Planning Attorney to properly review and update any necessary documents. Administrative Costs and Liquidity

• Illustrate the economics of the options available to provide liquidity to pay estate taxes. • Illustrate the options available to equalize your estate distribution.

Estate Reduction

• Gifting – Determine the best method to maximize the value of annual exclusion and unified credit gifting programs.

• Discounting – Review and discuss the potential of discounting on your estate. • Freeze – Discuss current use of estate freeze techniques. • Charitable Planning – Determine the most beneficial method to provide for selected charities.

Legacy Creation

• Creating a lasting legacy beyond assets that will live on in family, friends and key relationships

• Build documents and method of sharing view of the world and passing along wisdom to children and grandchildren.

• Determine possibility of funding a charitable trust, contributing to an endowment or launching a private foundation to further your family’s legacy.







Enjoy digital meetings from a virtual office. Engage with a powerful client portal that provides access to your

financial plan with real-time updates.

Experience a different set of services with financial planning and tax planning. Harness the industry’s first

integrated financial and tax planning solution featuring tax projections and tax-efficient distribution strategies.

Our comprehensive suite of tools provides: Social Security optimization, sequence of return risk, stress testing,

budgeting, cash flows and more.

Manage tax liability with detailed tax estimate Detailed 1040 projection including Schedules A, B, and D; Show AMT calculation, taxable Social Security, rental

property, and more.

Scenario Simulations

Monte Carlo simulation, Social Security optimization, systematic stress tests along with switching between

cash flow and goal-based planning allow your financial planning experience to have a huge impact on your

decision-making process.

Account aggregation Seamlessly retrieve and update account and holding information from various asset custodians and thousands

of financial institutions.

Tax-efficient distribution

Illustrate optimal withdrawal strategies, combining the sequence of withdrawals from taxable, tax deferred

and tax-free accounts with Roth conversions.



REAL-TIME FINANCIAL PLANNING TOOLS ONLINE

Our tools are designed to give you an access points to securely view all of your:

• Financial and Investment Accounts

• Tax and Legal Documents

• Insurance Coverage

• Specific Goals

• Strategic Plans

And it is always up to date, organized and easily accessible.

All of your information is password protected in a secure, encrypted personal web address, accessible only to

you and your financial professional.

Powerful analysis tolls track changes in your assets and changes in your life based on your:

• Overall asset allocation

• Retirement and cash flow models

• Insurance programs

• Financial and estate plans



HEMISPHERICAL WEALTH MANAGEMENT MAPPING AND SCORING METHOD It takes Facts and Feelings. Numbers are logical. Money is emotional.

Hemispherical Wealth Management encompasses a mapping and scoring process that approaches

comprehensive Financial Planning with a focus on both the technical aspects of investing along with the

psychology of investing.

FINANCIAL PLANNING ANALYSIS

Our financial planning software incorporates a cash flow-based tool ideal for performing comprehensive

analyses on a client’s diversified financial situation. This enables the analysis to be performed over the

projected life of the client. Along with calculating the potential effect in estate planning changes, the

treatment of income/expenses together with assets/liabilities, this unique planning analysis supports the

following:

• View “Cause and effect” or “What-if” Modeling

• View the Visual Impact of Changes

• Develop and Finalize Plan Scenarios

• Review the Potential of Recommended Strategies

• Build Map and Score of your Hemispherical Wealth Management Plan

INVESTMENT PORTFOLIO ANALYSIS

Our investment analysis software is one the industry’s most powerful investment research databases that can

perform in-depth analysis of mutual funds and individual stocks. During this analysis, the client’s individual

assets are merged into a multi-asset portfolio and analyzed to ensure proper balance and allocation as well as

being compared to a customized portfolio benchmark. Together with the stock intersection analysis, which

uncovers concentrated stock positions, our investment research is truly a thorough source of your current and

recommended investment portfolio weighting and asset allocation.



FINANCIAL PLANNING FEE Our work will help you identify and define the key financial goals that are impact you and your family. Through our process, we present alternatives with the idea of educating you as to the various ways of accomplishing your objectives. You are then able to make a more informed decision. Our presentation format is unique in that it will involve using visually interactive technical capabilities in the presentation and discussion of analysis to our Clients. This allows for interactive participation that offers education in the relevant subject matter to categorize and clarify the decision-making process. This ensures that the important financial issues and opportunities are not lost, forgotten or left to chance. Fee for comprehensive financial planning services as described will be: $X - SAMPLE BENEFITS OF PLANNING

• Assistance in clarifying financial objectives

• Business continuity analysis and recommendations

• Cash-flow analysis

• Evaluate the adequacy of survivor income sources

• Address the need for creditor protection

• Formulate risk assessment and investor profile

• Determine an appropriate asset allocation

• Present investment strategies and choices

• Determine potential estate transition and estate tax liability

• Evaluate methods available to provide liquidity to fund estate costs

• Review and coordination of estate distribution plans and legacy plans

• On-going financial planning advice for period of agreement

FINANCIAL PLANNING AGREEMENT This Proposal is not a formal agreement and is designed to be a presentation piece for illustrative purposes

only. The financial planning agreement will list all services and duties of both the financial planner and client in

the contract. The contract will state specific payment amounts, terms and timing of payments for services.



COMPENSATION FOR SERVICES

FEE-ONLY

A Fee-Only financial advisor is one who is compensated solely by the client with neither the advisor nor any

related party receiving compensation that is contingent on the purchase or sale of a financial product.

OverShare Advice and Planning, LLC will not accept or receive commissions, rebates, awards, finder’s fees,

bonuses or other forms of compensation from others as a result of a client’s implementation of the individual’s

planning recommendations.

FEE STRUCTURE AND FLEXIBILITY

OverShare Advice and Planning, LLC may engage with clients through a flexible approach of providing either or

both investment advisory services and financial planning services. For investment advisory and investment

management services, a set fee rate based on a percentage of the assets under management is assessed

typically on a quarterly schedule. Separately, a fixed ongoing financial planning fee, one-time flat fee or

project-based hourly fees may be charged to a client determined by the selection of services by the client and

need of services offered by OverShare Advice and Planning, LLC. A disclosure of fees for services will be

documented and communicated to Clients.

COMMITMENT TO COMPLIANCE Our commitment to compliance weaves throughout our planning process. Each plan is reviewed for accuracy

and the ethical presentation of information. Clients are encouraged to always read and review all contracts,

documents, prospectuses. Ask for clarification and explanation on any items that would be helpful to discuss.



SERVICES COVERED BY ENGAGEMENT

• Financial Data Analysis

• Design Time

• Documented Plans and Outlines

• Virtual or In-Person Presentation Meetings

• Phone and Email Communications

• Research and Evaluation

• Virtual Meetings with Your Other Professional Advisors

• Virtual Coordination of Services Provided by Other Advisors

• Financial Strategies Modeling

• Written or Digital Financial Planning Document

• Implementation Assistance

SERVICES NOT COVERED BY ENGAGEMENT

Please understand that certain services are not provided by our agreement. These include, but are not limited to, the following:

• Drafting of Legal Documents and Other Legal Services

• Tax Preparation, Statement Preparation or Other Accounting Services

• Asset Appraisal Services and Business Valuation Services

• Installation, Termination, Take Over or Administrative Services for Retirement Plans or Other Qualified and Non-Qualified Plans



ABOUT OVERSHARE ADVICE AND PLANNING, LLC PHILOSOPHY Financial Planning is crucial for individuals who are committed to achieving their financial objectives.

OverShare Advice and Planning, LLC is a Registered Investment Advisor, specializing in comprehensive financial

planning for individuals and businesses. Regardless of age, income or wealth, a planning blueprint is essential

in achieving one’s financial goals. OverShare Advice and Planning, LLC is committed to the vision of providing

the services clients need to achieve financial security.

PROFESSIONALISM OverShare Advice and Planning, LLC, maintains the highest standards of professionalism. As part of our

commitment, we maintain rigorous standards of educational and professional education. Training and

professional programs are sponsored and certified by a variety of state and national organizations, including

but not limited to, The Investments and Wealth Institute, Chartered Alternative Investments Association, the

North Texas Estate Planning Council and the Dallas Fort Worth Financial Planning Association.



OUR CORE BELIEFS At OverShare Advice and Planning, LLC, our mission is to help you achieve financial security in a complex and

constantly changing world. We design and implement plans to help you achieve your financial goals. Our

planning process puts the emphasis on you and your objectives. You are unique. Your circumstances,

responsibilities, and goals for tomorrow dictate financial strategies particular to you.

Recognizing and implementing the best planning options take extensive knowledge, insight, and above all, the

active interest and continued attention of a dedicated financial planner.

Core Beliefs:

• Independence of Thought and Perspective

• Formalized and Documented Hemispherical Wealth Management Mapping and Scoring Method

• Impact of Behavioral Finance and Investor Psychology

• Sensitivity to Portfolio Expenses and Taxes

• Emphasis on Orbital Risk Awareness

Guiding Principles:

• Portfolio Matching

• Asset Allocation

• Diversification

• Asset Class Rebalancing



Certifications and Designations

Certified Private Wealth Advisor ® (CPWA®) is an advanced professional certification for advisors who serve

high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge

and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. Unlike

credentials that focus specifically on investing or financial planning, the CPWA program takes a holistic and

multidisciplinary approach.

Certified Investment Management Analyst ® (CIMA®) certification is the peak international, technical portfolio

construction program for investment consultants, analysts, financial advisors and wealth management

professionals. The CIMA program is distinctive as one of only a few global certifications in financial services to

meet international accreditation and quality standards for certification programs.

Chartered Alternative Investment Analyst® (CAIA®) is the globally-recognized credential for professionals

managing, analyzing, distributing, or regulating alternative investments. The global authority in alternative

investment education and an internationally recognized finance credential and the gateway to a network of

more than 10,000 alternative investment leaders in more than 95 countries.

CERTIFIED FINANCIAL PLANNER™ (CFP®) professionals are rigorously trained in 72 areas of financial expertise

and must accrue thousands of hours of experience prior to earning their certification. With a CFP®

professional, you get a financial planner partner committed to working in your best interest and the

confidence that comes with building a comprehensive plan. Through the Code of Ethics, CFP® practitioners

agree to act fairly and diligently when providing you with financial planning advice and services, putting your

interests first. The Code of Ethics states that CFP® practitioners are to act with integrity, offering you

professional services that are objective and based on your needs. They are required to provide you with

information about their sources of compensation and conflicts of interest in writing.



OUR CLIENTS OverShare Advice and Planning, LLC works with individual clients, families and business-owner clients in many

areas. Our Clients are successful and have enjoyed many financial achievements. Most have existing financial

advisors or partial financial plans. We work to dig deeper and tie it all together so that it you have alignment of

your intentions and your future. We serve Clients with the following financial planning needs and personal

situations:

• Working Adults: You are trying to balance family, friends and work; have a little fun and find a way to enjoy it all.

• Successful Business Owners: You have sacrificed and risked much to reach the place you are in but there is much more to get done.

• DINKs - Dual Income No Kids: Your stage in life has opportunities to make plans for the future that is just around the corner.

• HENRY - High Earner Not Rich Yet: You have worked hard, climbed the ladder, have a great career but you are not where you thought you would be if you made this kind of money.

• Nearing Retirement: You are hoping it will happen soon and you need to get things in order before you make any final decisions.

• Retired: You have saved diligently, invested wisely and there is still something missing. It is time to build a better plan; one that fits your portfolio as well as it fits you.



YOUR FINANCIAL PLANNER Mike Kurz, CIMA®, CFP®, CAIA, CPWA® Chief Executive Officer – Financial Planner Mike has spent 20 years in the corporate world of Wealth Management in counselling Investors and Financial

Advisors. His professional experience includes coaching on investment advisory programs, private equity,

hedging strategies along with formalized Financial Planning and he often speaks at wealth management

events, conferences and workshops.

Mike shares that, "The greatest pleasure in helping others

encompasses using technical knowledge strengthened by creativity

and shared experiences to inspire my audience to develop their

personal call to action."

Education and Certifications

Mike earned his B.B.A in Finance at Midwestern State University and is an Investment Advisory Representative.

In addition, he is a CERTIFIED FINANCIAL PLANNER TM designee, Certified Investment Management Analyst®

professional, a Chartered Alternative Investment Analyst designee and a Certified Private Wealth Advisor®

professional. Mike previously served as the founder and President of the North Texas Investment

Management Consultants Association Chapter. In addition, Mike volunteers time for Financial Literacy

Education and Research.

Have Fun - Stay Young! Outside of the boardroom or classroom, Mike rides dirt bikes for fun, and enjoys cycling on both mountain

bikes and road bikes. In addition, Mike is proud to be a voting member of the Choctaw Nation of Oklahoma.

Mike and his wife Melinda are 16-year residents of Frisco and have enjoyed raising their two children and

family dog “Baxter” in this growing North Texas community.

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