Our Services

INVESTMENT SERVICES - BUSINESS/PERSONAL

Answering the need for design and efficient implementation of programs that satisfy specific financial objectives, we provide the in-depth services that our business and professional clients require to accomplish their goals. Funding for the future education of children, supplementing retirement income, reducing income tax liability, establishing tax-deferred investments...whatever the objective, it pays to take advantage of PWM's knowledge and experience. Applying specialized skills, we explore all available options in mutual funds, stocks and bonds so that clients have the necessary information to make confident investment decisions.

- Mutual Funds & ETFs*
- Stocks & ETF's*
- Bonds*
- Separately Management Accounts*

EMPLOYEE BENEFIT PLANS AND BUSINESS LIFE INSURANCE

Working in conjunction with your company's professional advisory team, PWM will structure diversified employee benefit programs and business life insurance plans that are innovative in design and flexible in operation. PWM has the resources to undertake business benefits planning which is thorough, professional, and especially sensitive to current market conditions. Our staff is particularly skilled in designing and implementing insurance programs for retirement, long-term disability, and group medical plans. With expertise and extensive industry experience, we provide invaluable assistance in developing key-man insurance and executive compensation programs. At PWM, we make it a practice to conduct periodic reviews of your benefit packages and insurance programs to insure that they maintain pace with company growth and success, as well as for cost containment.

- Key-man insurance and executive compensation programs (non- qualified deferred compensation and split-dollar life insurance)
- Buy-sell insurance

ESTATE CONSERVATION
The preservation and disposition of assets, anticipation of tax and liquidity needs, and provision for financial security of survivors, are the cornerstones of PWM estate conservation.

At PWM, we design estate conservation strategies that are tailored to the unique personal needs and desires of each client. We approach this task from the client's perspective, allowing us to evaluate the adequacy of any plan currently in effect and to suggest alternative arrangements where the need and resources exist. As a member of the client's financial planning team, PWM becomes the catalyst between the tax attorney, the CPA and the client. Our services extend from the initial stages of asset inventory to the ultimate design and implementation of programs. These programs incorporate life insurance to provide adequate liquidity to shield assets during probate. This results in maximum conversation and allocation of client assets.

RETIREMENT PENSION PLANNING

At PWM, retirement pension planning begins with an initial in-depth consultation to evaluate the client's retirement objectives. Our staff then works closely with the client's financial advisors to tailor a program that is advantageous to both employer and employee. All plans are designed within the parameters of the latest IRS regulations. Through our affiliate organizations, we arrange for preparation of all documents and materials for IRS submission; we coordinate the data collection process and assist in the ongoing administration of the program.

- Profit-Sharing Plans*
- Defined-Contribution Plans*
- 401(k) Plans*
- IRA, SEP, and SIMPLE Plans*

Neither Cetera Advisor Networks nor its representatives offer tax or legal advice. Please consult your tax adviser or attorney for guidance.

*Products offered through Cetera Advisor Networks