THE PE K TIMES

OUR NEW LOOK WE’VE MOVED AND LAUNCHED OUR NEW BRAND

As you know by now, as of June 1 we’ve moved the office and launched our new brand. We’ve tried to communicate the change as much as possible with mailings, emails, and speaking one on one. We are excited to be in our beautiful new office space; the move went well and we’re all settled in. The new building address is 41011 Ann Arbor Road, Plymouth, MI 48170 conveniently located about a half mile west of I275 at the SW corner of Ann Arbor Road and Haggerty, next to the bank. We hope you will join us at our open house on July 10 from 4-7PM, featuring food prepared by Chef Graham Shave of Your Gourmet, one of the top personal chefs in metro Detroit. If you wish to participate in INVEST IN OTHERS, please consider bringing canned food to support the Northville Civic Concern and you will receive an INVEST IN OTHERS bracelet and you will be entered into a drawing for Detroit Tigers tickets. With regard to our re-branding, it is important for you to know that this does not affect your investment accounts in any way. You still have the same investments, strategy, and account number. Our rich 14 year history with LPL Financial, the nation’s largest independent broker/dealer, remains strong. For those of you who attended the June 16 Peak Halftime Report, thanks for helping make it the best client event of my career! Jeffrey Kleintop, the Chief Market Strategist of LPL Financial, was entertaining and informative. Our vision for the future of Peak Wealth is exciting, and over the next few months we look forward to sharing more with you.

OUR MISSIONPeak Wealth Management is an independent wealth planning firm dedicated to building long term, trusting relationships and providing unbiased guidance and quality service.

TABLE OF CONTENTSPG. 1...........................................Our New Look PG. 2...................................The People of PeakPG. 2......................Welcome Matthew KraemerPG. 3............................................Life InsurancePG. 3...............................Attention SAM ClientsPG. 3.............................................Go PaperlessPG. 4........................................Stay Connected PG. 4.....................Invest in Others Scholarship

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor Member FINRA/SIPC

The nations largest independent broker/dealer as reported by Financial Planning magazine, June 1996-2014, based on total revenue

THE PEOPLE OF PEAK NICHOLAS HOPWOOD, CFP®

I would like to thank everyone for their kind words of support and encourage-ment over the past few months during the move and re-branding. I value my relationship with each and every one of you and words cannot express how proud I am to be partnering with you.

This year, Jennifer and I made some big plans to host an orphan from Ukraine for 5 weeks. However, we just received news that the children were unable to travel to the airport due to safety concerns in the region. We were very saddened by this development, as we were hoping to try and make a difference in this young boy’s life.

After attending St. Joseph parish in Dexter for the past 11 years (Jennifer and I were married at St. Jo’s in 2004), in the fall I decided to take the plunge and become Catholic. The RCIA program (Rite of Christian Initiation) started in September and ended at the Easter Vigil with Confirmation. It was truly an outstanding experience!

This spring I ran the Dexter-Ann Arbor half-marathon. The training through the winter/spring was grueling but I managed to successfully finish, with a time of 2:08. Boy am I glad to have that behind me!

This August Jennifer and I are celebrating our ten year wedding anniversary! Where has the time gone? Hunter (age 6- entering 2nd grade) and Jack (age 4- continuing in pre-school) are doing well- perhaps they will make an appearance at the open house on July 10 if they can behave!

MATT SALTZGABER, MBA

My wife, Jacqueline, and daughter, Alana, welcomed Ryan Matthew Saltzgaber to our family in January! Our daughter was very excited to meet him and gave him a special birthday party at the hospital. He is now 5 months old and already getting big- he is in 9 month outfits already!

Alana is very active and loves to get dressed up in princess outfits every day. She will be turning 3 years old in July and is very excited and looking forward to a birthday cake. Sweets are very rare in our house.

Jacquelyn and I are planning on staying around the area this summer and look forward to spending time with our family and friends. Hopefully staying home will allow me to have some time to finish some tasks on my never ending to do list!

MATTHEW KRAEMER, ADMINISTRATIVE ASSISTANT

Summer has finally arrived as my spring courses are coming to an end, which means I have time to relax for a couple days and spend time up north. I have a couple trips planned to go to my grandparents’ cottage up in Leelanau, to play as many rounds of golf as I can in the morning and go on the lake all day. Besides golf, traveling and work I have a couple hockey practices every month to keep some rust off for the season. Then before I know it, summer will be over and I will be back in school entering my junior year studying accounting. Addi-tionally, continuing my third year of playing hockey for the university.

WELCOME MATTHEW KRAEMERMatthew started at Peak Wealth Management on June 1 on a part-time basis. His role is initially to help us with special projects, including going digital. We are imaging all our client files so we can be a 100% paperless office. This will make us more efficient and more green. Matthew will be a junior at the University of Michigan- Flint in the fall and is majoring in Accounting. He is also a hockey star on the UM Flint club team!

NICHOLAS HOPWOOD, CFP

MATTHEW SALTZGABER, MBA

MATTHEW KRAEMER

LIFE INSURANCEWILL YOUR FAMILY HAVE ENOUGH MONEY IF SOMETHING HAPPENS TO YOU?

Life insurance should be used to cover your loved ones financial expenses in the event of your death. If you pass away, how will your family pay the bills? How much money will they need? We do not enjoy thinking about our death, however, it is a fact of life and not planning may cause financial hardship for your family. By proper planning, you may be able to provide the lifestyle that you dreamed of having for your family.

SO HOW MUCH LIFE INSURANCE DO I NEED?

The amount of life insurance you will need will vary for each individual family. You will want to select an amount that will be capable of paying off your debt along with providing an income to your family. I recommend that you start by adding up all of your current debt. This should include your mortgage, car, loans, credit cards etc. Next think about any future expenses such as children, college expenses, wedding and vacations. Lastly, how much money will you need to cover your basic expenses such as food, utilities and personal expenses on an annual basis? The total of these expenses will be the amount of life insurance that is recommended. Another method is called income replacement and can be calculated by taking your current income and multiplying it by the number of years until you retire.

WHAT TYPE OF LIFE INSURANCE DO I NEED?

There are different types of life insurance that can be used to provide financial stability for your family. Typically the least expensive form of life insurance is known as term insurance. Term insurance is purchased for a fixed life insurance benefit for a certain period of years. If you die during this term, your beneficiaries will be paid the entire death benefit. This death benefit is a gift to your beneficiaries and is not taxed as income. If you die after the term period, then no money is paid out to your beneficiaries. Other forms of life insurance can provide a death benefit without a fixed period of time. However, these policies will be much more expensive than Term Insurance. A younger couple may want to consider Term Insurance based on the policy expense.

MY WORK PROVIDES FOR MY LIFE INSURANCE!

Most companies offer this benefit to their employees, however, we must point our several concerns. You have heard the old expression “do not put all of your eggs in the same basket”. Well, you are following that philosophy by having your company provide your life insurance. If you leave your company or are let go, than these policies may no longer be valid. This may cause you to purchase life insurance at an older age which may mean that your policy will be more expensive. Also, some companies may require you to reapply every year which could also impact your ability to get it if you develop a life threatening illness. In addition, your policy may increase every year. You may be better off by having an indepen-dent policy that you own which may also be less expensive.

IT’S EASY TO GET A QUOTE!

If you have questions or would like a quote, please contact us at (734) 681-7575.

Attention SAM Clients IF YOU ARE AN ADVISORY CLIENT, PLEASE TAKE NOTE!

As the world around us constantly changes and evolves, one principle remains constant- our commitment to provide you unbiased, objective financial advise and deliver it with the highest level of service in the most cost-effective manner. To that end, we are happy to announce a new commitment with our partnership with LPL Financial, the largest independent broker-dealer in the country, with whom we have been affiliated with since 2000. Through our office’s success and continued growth, we have enhanced our agreement with LPL Financial that will allow us to create operating efficiencies and reduce costs associated with your advisory Strategic Asset Management (SAM) account, now called Strategic Wealth Management (SWM).

After the transition, LPL Financial will no longer charge you trading costs associated for purchasing or selling securities in your advisory account. Your current advisory fee will continue to apply. With this change comes a need to convert and update your account and update our documents and records to meet all necessary regulatory and compliance requirements for LPL Financial, FINRA and the Michigan Department of Securities. Please note, there will be no other changes to your account, advisory fee or investment objective.

LPL FINANCIAL IS GOING GREEN Did you know you can elect to receive your statements, quarterly reports and trade confirmations via email? Just 18% of our clients have elected to go green and our goal is to double that number. To elect paperless statements, simply login to myaccountviewonline.com and click on the green leaf graphic. If you would like to speak further about this, please call the office at (734)681-7575.

LPL Financial is the nations largest independent broker/dealer as reported by Financial Planning magazine, June 1996-2014, based on total revenue

STAY CONNECTED LIKE US ON FACEBOOK! FOLLOW US ON TWITTER @NHOPWOOD1 PEAK is committed to providing timely updates with things happening at the firm as well as in the financial industry. We currently have 150 likes and our goal is to hit 250 by the end of the summer! Help us reach our goal. The easiest way to like us is to go to peakwm.com and click the social media icons at the top right. Or you can click on the social media icons in one of our weekly market commentary emails.

INVEST IN OTHERS We are pleased to announce our INVEST IN OTHERS scholarship will remain inforce. We are offering two $1,000 scholarships to your children and grandchildren! It is our pleasure to give back and invest in the future of others, who show dedication to themselves and their commu-nity. To apply, please access the application at peakwm.com and submit to the office by November 30, 2014.

THE PE K TIMES SUMMER, 2014PEK WEALTHMANAGEMENT

41011 ANN ARBOR RD.PLYMOUTH, MI 48170 P: (734)681-7575www.peakwm.com