Fee Only Financial Planning and Investment Management

1. WWW.AAMLLC.COM

2. 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

3. Who are our clients?
70% are Accumulators and Pre-Retirees
30% are Seniors and Retirees
15% Business Owners & Self-Employed

4. Overview of a Comprehensive Financial Plan
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
Comprehensive
Financial
Plan
Your
Goals

5. 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

6. Financial Planning Process
First Meeting
Initial Consultation
No Charge
Second Meeting
Information Discovery
Cloud Access to Planning
Agreement and Retainer For Services
Third Meeting
Presentation &
Implementation
Reviews
Quarterly, Annually
Or as needed
Advanced Professional Team
Financial Planner-Advisor
Attorney, Accountant,
Wealth Manager, Mortgage Consultant

7. Recommended Plan
Retirement
Age
Goals
(Total Spending
for Life of Plan)
John
Ann
65
65
Current Plan
Retirement
Age
Goals
(Total Spending
for Life of Plan)
Savings Investment
John
Ann
64
64
$2,615,000 $18,000 44% Stock $850,000
Savings
$2,479,785
5% < Ideal
$22,805
Investment
55% Stock $850,000

8. Primary Cash Reserves
Local Checking / Savings
3 to 6 months of Committed Expenses
Secondary Cash Reserves
Brokerage invested into Short-term
Corporate Bonds or Treasury Bonds
3 to 5 years of Committed Expenses
Long-Term Investments
Brokerage invested into a Strategic and/or
Tactical Investment Strategy
Assets 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

9. Manage 401k
Using gotomeeting.com
Access together using
gotomeeting.com
or
meet & complete
together
Sharefile
Secure online document
storage & file sharing
• Tax returns
• 401k statements
• Quarterly reports

10. 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?

11. With a plan, you’re likely to discover that:
Retirement
Lifestyle
• 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.

12. 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 work
To 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 structure
Through our relationships
Advantage : Service after accounts are open is
Essential to keeping your business. Investment
Advisory fees may be tax deductible

13. Investment Management
Local 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

14. 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 Cards
5. No Cost Online Access through www.Schwab.com
6. 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

15. Alternative Assets