Focus

Investment Planning

You can now receive the same portfolio management services as many institutional investors-whether it is a separately managed account or a mutual fund wrap portfolio.

Some benefits of managed portfolios include:

  • Providing access to top-tier investment management professionals

  • Tailored portfolios to meet specific investment needs

  • Ownership of individual securities (separately managed accounts only)

  • Ease of pre-designed strategies

Every investor is unique, and investment advisory services provide you with professional investment advice and a personalized investment strategy. Whether you're seeking a tailored, professionally managed portfolio, or the convenience and simplicity of a diversified mutual fund wrap program, your investment choice should focus on meeting your financial goals. During this process, you should consider current and future growth objectives, income needs, time horizon and risk tolerance. These considerations form the blueprint for developing a portfolio management strategy. The process involves, but is not limited to, the following important stages.

  • Set investment objectives

  • Develop an asset allocation strategy

  • Evaluate/Select investment vehicle

Portfolio review -- Ongoing portfolio monitoring


-All investment advisory and financial planning services offered through Eagle Strategies LLC.


Asset Allocation does not ensure a profit or protect against a loss, but is intended to help manage your goals and risk tolerance.

 

Retirement Planning

The amount you will need in retirement depends upon a number of variables, including the age you plan to retire, your desired retirement lifestyle, how long you expect to live, and other variables. Social Security and employer-sponsored pension plans will likely provide a smaller percentage of your retirement income than they provided for your parents' retirement income.

One or more of the following strategies could help you to maximize your retirement income:

  • Retiring at a later age

  • Saving more before retirement

  • Spending less during retirement

  • Investing earlier in life while still feeling comfortable with the level of risk involved

An adviser can help you determine which strategies make the most sense given your retirement objectives.

 

Risk Management Planning

A sound financial plan must address the insurance coverages you, your spouse and family members may require.

  • Life insurance is used to pay for funeral expenses, repay outstanding debts, make charitable donations and provide living expenses for surviving family members. It can also be used to cover estate taxes and probate fees to enable your estate to be liquidated in the most appropriate manner.

  • Disability income insurance§ is to help partially replace income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.

  • Long Term Care Insurance going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.
     

§Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.

 

Estate Planning

What you value may be more important than what you own. To follow through on your commitments -- to yourself, your family, and your ideals -- you need to think ahead. A personalized estate plan is important in helping to protect your family and your legacy.


A well-constructed strategy can help address your specific estate planning needs including:

  • Minimizing the effects of income and estate taxes

  • Transferring wealth from one generation to the next

  • Developing charitable gifting strategies

  • Aligning existing portfolios and retirement accounts with your estate plan
     


Business Planning

There are a number of issues that business owners face, including providing employee benefits, obtaining business insurance and transferring the business upon death, disability or retirement. For most small business owners, their business lives and personal lives are inseparable. The financial planning process helps business owners to manage both business concerns and personal concerns so that they can achieve all of their goals and dreams.


A personalized financial plan can help you, the small business owner, address concerns such as:

  • Protecting your business assets

  • Ensuring the continuation and succession of your business

  • Promoting, recruiting, retaining, and rewarding your key employees

  • Maximizing your compensation benefits

  • Providing for estate equalization

  • Promoting family harmony

     


Education Planning

Education planning for your children can be a major financial consideration. Planning early allows you to take advantage of the time value of money and help minimize the savings requirement.

Consideration should be given to one or more of the following strategies when trying to maximize your college planning:

  • Prioritizing your education objective with your insurance needs, retirement needs, major purchases and current income needs

  • Developing an effective savings strategy that considers asset allocation and takes advantage of education plans

  • Considering the various education funding accounts -- Qualified State Tuition Plans (also known as 529 Plans#), Uniform Transfer to Minor Accounts (UTMA) / Uniform Gifts to Minor Accounts (UGMA), Coverdell Educational savings accounts# and prepaid tuition plans

  • Ensuring college expenses are realistically calculated and include tuition, room and board and living expenses. There are many factors to consider such as the inflation rate for the rising cost of tuition, whether your child will attend post-graduate studies and whether your is likely to receive scholarships or financial aid. 


    #Securities offered through NYLIFE Securities LLC, member FINRA/SIPC

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Disclosure

Ronald G, Cooper, Ryan Hart, Kevin A. Fauteux, and Phil Whittaker are Agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the following states: Ronald in the states of AR (Ronald: Insurance License # 324680), CO, CT, DC, FL, IL, MA, MD, ME, MN, NH, NY, OR, PA, RI, SC, TN, TX, WI.  No insurance business may be conducted outside this state/states referenced.

Ronald G. Cooper, Ryan Hart, Kevin A. Fauteux, and Phil Whittaker are collectively Registered Representatives of and offering securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, A Licensed Insurance Agency.  In this regard, this communication is strictly intended for individuals residing in the states of AR, CA, CO, CT, FL, IL, MA, MD, MI, MN, MO,NC, NH,NY, OR, PA, RI, TX, VA, WI.  No offers may be made or accepted from any resident outside the specific state/ states referenced. 

*Neither Eagle Strategies LLC nor any of its financial advisors or affiliates provides tax, legal or accounting advise. Please consult your own tax, legal or accounting professional before making any decisions.

Eagle Strategies LLC & NYLIFE Securities LLC are New York Life Companies.

Ronald G Cooper, Ryan Hart, Kevin A Fauteux, & Phil Whittaker are collectively registered as investment adviser representatives with Eagle Strategies LLC, A Registered Investment Adviser offering investment advisory services in their respective states.   In this regard, this communication is strictly intended for residents of CA, CO, CT, FL, GA, IL, MA, MD, ME, MI, MN, MO, NC, NH, NY, OR, PA, RI, TX, VA, WI.  No business may be conducted outside of the states referenced. 

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process*); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations.

Wealth managers do not pay a fee to be considered or awarded. The Five Star award is not indicative of the wealth manager’s future performance.  The wealth manager may or may not use discretion in their practice and therefore may not manage their clients’ assets.  The inclusion of a wealth manager on the Five Star Wealth Manger list should not be constituted as an endorsement of the wealth manager.  Working with a Five Star Wealth Manager or any wealth manager is not a guarantee of future investment success, nor is there any guarantee that the selected wealth mangers will be awarded this accomplishment by Five Star Professional in the future.  Once awarded, wealth managers may purchase additional profile ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winner’s future performance.

15,125 of wealth managers in the Boston area were considered for the award. 816 of the candidate 6% in the Boston area were selected as 2014 Five Star Wealth Mangers. *To qualify as having a favorable regulatory and complaint history, the person cannot have: 1. been subject to a regulatory action that resulted in a suspended or revoked license, or payment of a fine, 2. had more than three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, 3. individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, 4. filed for bankruptcy, or 5. been convicted of a felony.

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