WWW.AAMLLC.COM
Plan for your goals, Manage your resources, and Maximize your financial potential
4555 Wilson Ave SW-Ste 2Grandville, MI 49418
If you choose us, what can you expect?
• The best service + a competitive cost structure = unparalleled value
• We will work to keep you and your family as clients for life
• When you call we will do our best to have a person answer. If you leave a message, we will get back to the same day if possible.
• We will manage your money according to your investment objectives.
• We will offer intelligent strategies for your situation.
• Advanced strategy and wealth planning.
• What other expectations do you have of your financial advisor?
In short we want you to become a “Raving Fan” of Advanced Asset Management, LLC
70% are Accumulators and Pre-Retirees
30% are Seniors and Retirees
15% Business Owners & Self-Employed
Who are our clients?
S Security Through Risk Management Planning
E Education Planning
C Cash Management, Savings, Credit & Debt Planning
U Ultimate disposition through Estate Planning
R Retirement Planning
I Investment Planning
T Tax and Business Planning
Y Yearning for and Reaching Financial Independence
Overview of a Comprehensive Financial Plan
ComprehensiveFinancial
PlanYour
Goals
Comprehensive Financial Planning Services Available to Clients
Asset Management / Investment Planning• Comprehensive Asset Management• Asset Allocation Analysis • Access to Institutional Portfolio
Management• Company Retirement Plan (401k)
Management and Rebalancing
Estate Planning• Assess the need for wills, trusts, power
of attorney documents• Strategies to leverage your estate and
reduce taxes and probate expenses• Charitable giving strategies• Capital transfers• Inheritance management
Income Tax Planning• Strategies to minimize personal income
taxes• Strategies to minimize the taxation of
your investment portfolio• Strategies to prevent bracket creep
now and in the future
Business Planning• Tax reduction strategies for Business
Owners• Business organization ideas (S-Corp vs.
LLC, etc…)• Review group health and other benefits• Strategies to pass business to heirs• Review and implement of retirement savings
plans (401k, SIMPLE, etc..)• Non-qualified executive savings plans
Protection Planning / Risk Management• Evaluation of your needs to make sure
you are neither under or over insured• Review of existing coverages to make
sure it suits your needs and objectives• Includes Life, Disability, Health,
Medicare Supplements and Long-Term Care Ins.
Retirement Planning• Qualified Plan Rollovers and
management• IRA distribution strategies• Social Security Maximization• Pension calculation and maximization• Ongoing analysis of needs and progress
Financial Planning Process
First MeetingInitial Consultation
No Charge
Second MeetingInformation Discovery
Agreement and Retainer For Services
Third MeetingPresentation &Implementation
ReviewsQuarterly, Annually
Or as needed
Advanced Professional TeamFinancial Planner-Advisor
Attorney, Accountant,Wealth Manager, Mortgage Consultant
Cloud Access to Planning
Recommended Plan
Retirement Age
Goals(Total Spending for Life of Plan)
JohnAnn
6565
Recommended Plan
Retirement Age
Goals(Total Spending for Life of Plan)
JohnAnn
6565
$2,479,7855% < Ideal
Current Plan
Retirement Age
Goals(Total Spending for Life of Plan)
Savings Investment
JohnAnn
6464
$2,615,000 $18,000 44% Stock $850,000
Recommended Plan
Retirement Age
Goals(Total Spending for Life of Plan)
Savings
JohnAnn
6565
$2,479,7855% < Ideal
$22,805
Recommended Plan
Retirement Age
Goals(Total Spending for Life of Plan)
Savings Investment
JohnAnn
6565
$2,479,7855% < Ideal
$22,805 55% Stock $850,000
Cash Reserve Planning
Primary Cash ReservesLocal Checking / Savings3 to 6 months of Committed Expenses
Secondary Cash ReservesBrokerage invested into Short-term Corporate Bonds or Treasury Bonds3 to 5 years of Committed Expenses
Long-Term InvestmentsBrokerage invested into a Strategic and/or Tactical Investment StrategyAssets over and above 5 years
Strategies could be within retirement plans if dollars can be withdrawn without penalty.
Goal:Increase Yield
(earnings)With minimal loss
Of liquidity(keep it available)
Accumulation
Distribution
Manage 401k
Using gotomeeting.com
You Me
401k Website
Access together using gotomeeting.com
or meet & complete
together
Sharefile
Secure online document storage & file sharing
You Me
Sharefile
• Tax returns• 401k statements• Quarterly reports
Retirement timeline
• When to draw social security?
• How to minimize taxes at retirement?
• How much to draw without running out?
• Where to draw income with minimized taxes?
• Will social security be taxed? How much?
• Health insurance in retirement?
With a plan, you’re likely to discover that:
RetirementLifestyle
• While you might not be as well-off as you’d like . . .
• You’re usually better-off than you feared
• And, with some good planning, you can be OK.
How Do You Want To Do Business?
Traditional Commission Sales
Transaction Based
Many Products
Many Commission Schedules
“Suitable” Standard
Fee-Only
Ongoing Advice
Fees are flexible based on the workTo be completed
Fees calculated by the project, hour, Or as a % of assets under management
Reduces Possible Conflicts of Interests
“Fiduciary” Standard
You receive a competitive cost structureThrough our relationships
Advantage : Service after accounts are open isEssential to keeping your business. Investment
Advisory fees may be tax deductible
Investment ManagementLocal and National Investment Managers
Allows for Asset Diversification and Strategy Diversification
Our relationships and alliances allow you Complete accessibility, total flexability,
And unparalleled mobility to the investment world
Charles Schwab & Co.1. No Cost Mutual Fund Transaction Fees (thousands of funds
available, no costs to sell as long as funds are held 90+ days)
2. Stock and ETF Trades @ $19.95 / trade with paper mailings, $8.95 if you signup for econfirms and statements.
3. No IRA Custodial Fees (some custodians charge $10 to $50 per year)
4. No Cost Checking and Visa Debit Cards5. No Cost Online Access through www.Schwab.com6. Asset Based Fees Can Be Deducted Directly From Your
Account or Paid By Check if You Wish
Cash, Money Market, CD’s, Mutual Funds, Exchange Traded Funds, Individual Stocks, Unit Investment Trusts
Schwab One Brokerage, Roth IRA, Traditional IRA, Rollover IRA, SEP’s, SIMPLE’s, 401k’s, Other Retirement Plans
Storage
Alternative Assets
REIT’s
Rental Property
Equipment Leasing
Managed Futures
Commodities
Apartments, Office Buildings
Oil & Gas