aspects of wealth management brochure w inserts.pdf · wealth management. portfolio management...

Address: 5 Burlington Woods, Suite 102Phone: 781-273-1400Email: [email protected]: www.axialco.com

Axial Financial Group

CONTACT US:

SecuritieS and adviSory ServiceS offered through commonwealth financial network,member finra/SiPc, a regiStered inveStment adviSor.

ASPECTS OF WEALTH MANAGEMENTAxial Financial Group pursues answers to the difficult financial decisions faced by individuals, executives, business owners, and their families. Our program considers five distinct but interrelated aspects of wealth management:

Axial’s 5 Aspects of Wealth Management

Retirement Planning

Accumulation

Taxation

Estate Planning

Evaluates your current financial status and produces an accumulation strategy that will help you attain your desired retirement lifestyle. A successful plan, ideally put into place well before retirement, fosters asset growth and tax-efficient distributions through retirement, as well as distribution of retirement assets to the next generation.

Defines appropriate asset allocation targets and portfolio composition in light of your needs, goals and risk tolerance. Accumulation strategies ensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your asset base.

Creates and implements a master plan for the management of your property during life, and the distribution of that property at death. Working in concert with an estate planning attorney, we facilitate plans that provide more control of your assets, ensure care if you should become disabled, and allow for efficient, low cost transfer of wealth at your death.

Considers the tax implications of financial planning, individual, investment, or business decisions. While decisions must consider much more than tax impact, it is important to understand income and estate tax issues, and reduce or eliminate tax liability where feasible.

Risk Management/Insurance

Works to minimize financial and other potential losses associated with risks to your assets, income, or business. The key first step is to identify sources of risk - including personal and professional liability, business ownership, property loss, and catastrophic illness or disability — and systematically eliminate or mitigate exposure to loss.

Wealth Management Portfolio Management Corporate Client Services

ABOUT AXIALThe Axial Company is a privately-held, independent financial services firm specializing in wealth management, corporate employee benefits, and insurance. Our integrated approach to serving the needs of our clients on a wide array of business and personal matters enables our clients to seamlessly interact with us across all divisions; Axial Financial Group, Axial Benefits Group, and Axial-Foy Insurance.

To design, implement and maintain a cohesive wealth management plan requires specialized skills and knowledge, and an understanding of the intricate connection between investment, retirement income, estate, tax, and risk management/insurance issues.

At Axial Financial Group, we take an integrated approach to wealth management. Driven by a deep understanding of your needs and goals, we offer a comprehensive array of financial services, and ensure complete coordination of all aspects of accumulating, protecting, and distributing assets.

Our mission is to enable our clients to take full advantage of all of life’s possibilities. Working with Axial Financial frees time to focus attention on business opportunities, spend time with family, and enjoy hobbies.

Your Axial Financial Group advisors work as a unified team. Investment directions are selected with cash flow, estate, and tax implications in mind. Business succession plans and other key decisions consider retirement, estate, and tax issues. It all works together, with Axial Financial at the core of your financial success.

We are independent financial professionals dedicated to the success and financial confidence of individuals, families and businesses.

We help our clients understand the financial challenges and decisions they face, evaluate options, and implement sound solutions across all phases of their financial lifecycles.

Axial has a long-standing tradition of supporting and volunteering for local non-profit organizations, as well as contributing to several area educational scholarships.

Axial Financial GroupWealth Management Services, Portfolio Management, and Corporate Client Service

Axial Benefits Group Employee Health Benefits, Employer 401k Savings Plans, Healthcare Purchasing Coalitions

Axial-FOY Insurance Property & Casualty Insurance including Auto, Home, Personal Liability, & Life for Personal and Business Lines

Axial Financial manages six model portfolios for its clients. Each client is placed in a specific model (or combination of models) based on specific return objectives, risk tolerance, and tax circumstances. The target asset allocation is determined primarily from our financial planning process.

Axial Financial uses technical analysis as its primary tool for assessing risk, reviewing asset classes, and selecting securities.

Along with our partners at Axial Benefits Group, we are able to guide business owners and managers through issues such as retirement plan design and implementation, employee benefits, and succession planning.

This seamless integration allows for multiple touch points on both the fiscal and operational ends of the business. Managing this balance ensures a smooth transition from current plans and carriers.

Who We Are What We Do

OUR BROKER DEALER

Thorough and knowledgeable, members of the Axial Financial Group are innovative hands-on problem solvers. As Investment Advisor Representatives of Commonwealth Financial Network, a Registered Investment Adviser, we create customized plans for each client, and work with attorneys, accountants and other client advisors to be certain that each solution fulfills its full potential.

We guide clients through the essential evaluation of their financial needs and goals, and craft specific action steps to pursue desired outcomes.

OUR CORE SERVICES

Because there are so many financial advisors out there, you’re free to choose the one you believe is best suited to help you meet your objectives—and who provides the level of service and support you deserve.

But did you know that our firm benefits from the same freedom of choicein selecting a broker/dealer? We choose whom we partner with toprocess the transactions we make on your behalf and to help us help you pursue your goals. From among the many firms out there, we’ve chosen Commonwealth Financial Network.®

Commonwealth is the partner who can best support us in helping youpursue your financial objectives and whose culture mirrors our model of indispensable service.

Address: 5 Burlington Woods, Suite 102Phone: 781-273-1400Email: [email protected]: www.axialco.com


CONTACT US:

SecuritieS and adviSory ServiceS offered through commonwealth financial network,member finra/SiPc, a regiStered inveStment adviSor.

ASPECTS OF WEALTH MANAGEMENTAxial Financial Group pursues answers to the difficult financial decisions faced by individuals, executives, business owners, and their families. Our program considers five distinct but interrelated aspects of wealth management:

Axial’s 5 Aspects of Wealth Management

Retirement Planning

Accumulation

Taxation

Estate Planning

Evaluates your current financial status and produces an accumulation strategy that will help you attain your desired retirement lifestyle. A successful plan, ideally put into place well before retirement, fosters asset growth and tax-efficient distributions through retirement, as well as distribution of retirement assets to the next generation.

Defines appropriate asset allocation targets and portfolio composition in light of your needs, goals and risk tolerance. Accumulation strategies ensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your asset base.

Creates and implements a master plan for the management of your property during life, and the distribution of that property at death. Working in concert with an estate planning attorney, we facilitate plans that provide more control of your assets, ensure care if you should become disabled, and allow for efficient, low cost transfer of wealth at your death.

Considers the tax implications of financial planning, individual, investment, or business decisions. While decisions must consider much more than tax impact, it is important to understand income and estate tax issues, and reduce or eliminate tax liability where feasible.

Risk Management/Insurance

Works to minimize financial and other potential losses associated with risks to your assets, income, or business. The key first step is to identify sources of risk - including personal and professional liability, business ownership, property loss, and catastrophic illness or disability — and systematically eliminate or mitigate exposure to loss.

Axial at a Glance

Comprehensive Financial Services. Centered on You.The Axial Company is a privately-held, independent financial services firm specializing in wealth management, corporate employee benefits, and insurance. Our integrated approach means serving the needs of our clients and their trusted professionals, on a wide array of business and personal matters. This enables our clients to seamlessly interact with us across all divisions; Axial Financial Group, Axial Benefits Group, and Axial Insurance.


Axial Benefits Group

Axial-Foy Insurance3

Main Lines of Business

Scarborough, ME

Burlington, MA

Marina Bay Quincy, MA

Hyannis, MA

FourLocations

35+Professionals

$1.3 Billionin assets under management

Axial Financial Group was started in 2006 and continues to expand our capabilities

Wealth Management - Axial Financial GroupNo matter your level of wealth, working with us can help you pursue your goals. Together, we’ll go through a comprehensive process for managing your financial life and creating a long-term plan customized to your needs.

Employee Benefits - Axial Benefits GroupManaging benefits is no longer just a matter of shopping coverages or paying claims. Today, a company’s benefits are a reflection of its philosophy and culture, and an integral part of its overall business strategy.

Corporate Insurance - Axial InsuranceAxial Insurance is comprised of a team of insurance professionals who work with their clients to provide a fresh look at their current insurance situation. We all need an advocate in our corner. Whether you are in the market for a competitive price, more coverage, or simply a better understanding on how to navigate through what you currently have, our friendly and engaging team will help.

5 Burlington Woods • Suite 102 • Burlington, MA 01803 • 781-273-1400 • 888-408-6937 www.Axialco.com

Securities and Advisory Services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Advisor

Burlington, Massachusetts Office5 Burlington Woods

Burlington, MA 01803888-408-6937781-273-1400

Hyannis, Massachusetts Office540 Main Street

Hyannis, MA 02601508-771-4992

Marina Bay – Quincy, Massachusetts Office304 Victory Road, Suite 300

Marina Bay - Quincy, MA 02171617-934-0974

Scarborough, Maine Office152 US Route 1

Scarborough, ME 04074207-282-8292

Wealth Management Services

Wealth management is much more than the investment of assets; it a holistic response to the many complex, interwoven issues related to life goals and the financial and legal decisions that foster those goals.

At Axial Financial Group, as Investment Adviser Representatives of Commonwealth Financial Network, a Registered Investment Adviser, we act in the role of quarterback, guiding and overseeing the many moving pieces —from retirement and estate planning to tax and insurance issues—in the financial lives of our clients. Our highly structured, systematic approach ensures complete coordination of all financial plans and choices.

The Axial Financial process is comprehensive and disciplined. It is also highly flexible and adaptive. It continually evolves with the client’s career, family and aspirations.

What are your goals? How will you achieve them?These two fundamental questions capture the essence of wealth management.

Set financial goals and design a customized plan.

Develop action steps and setasset allocation targets.

Evaluate performance versus benchmarks, and make necessary adjustments.

Pursue financial goals and objectives.

At the core of our wealth management process is the client binder, which acts as a comprehensive personal business plan. The binder organizes and integrates financial, risk management/insurance, estate and tax planning, ensuring a complete, detailed review of all relevant issues, and systematic implementation of financial solutions. It also guides disciplined follow-up on all essential decisions, documents and details and monitoring of performance versus goals.

“When you choose Axial Financial Group, you are opening a candid and essential, long-term dialogue. We communicate with clients frequently during the year, both to discuss changes in goals and

priorities, and to follow-up on existing action steps that require attention.We stay on top of these details, enabling you to focus on what matters most —family, business and enjoying life.”

–Paul Miller - AIF®, PrincipalAxial Financial Group

A comprehensive view on wealthOur wealth management process includes strategic and tactical solutions for the following elements, all designed to help clients accumulate, protect and distribute wealth:

General Services—Creation of wealth management binder including net worth and cash flow statements

Retirement Planning—Income and cash flow analysis to determine necessary rate of return from investment portfolio

Asset management—Creation of investment policy statement, asset allocation targets and review of existing investments

Estate Planning—Coordination with attorney to design and implement a plan to protect and distribute assets, consistent with family, charitable and other interests

Tax Planning—Continual review of entire tax picture—from portfolio composition to distribution strategies— in conjunction with tax advisor

Risk Management/Insurance—Development and implementation of strategies to protect all physical and financial assets

Liability Management—Evaluation of debt strategies most advantageous for cash flow, risk management, tax and other purposes

Education Planning—Projection of and planning for family education expenses

Corporate Planning—For business owners, comprehensive review of succession planning, tax and risk management/insurance issues

5 Burlington Woods • Suite 102 • Burlington, MA 01803781-273-1400 • 888-408-6937

www.Axialco.com


Portfolio Management Expertise

Matching Investments to ObjectivesOur Portfolio Management (PM) group manages a series of investment strategies directly for our client base. Whether the focus is risk-management, low-cost ETF indexing, or outcome-oriented income investing, Axial’s PM group works directly with our Certified Financial Planners™ to effectively allocate our client’s assets towards their financial goals.

Axial’s PM group utilizes a diverse set of resources to achieve its objectives. In addition to a leading-edge technology platform, the PM group accesses independent research from various industry-recognized firms to complement its capabilities.

GLOBAL ETF PORTFOLIOS

GLOBAL MUTUAL

FUND PORTFOLIOS

ALTERNATIVE INVESTMENTPORTFOLIO

INCOME PORTFOLIOS

EQUITY DIVIDENDSTRATEGY

TACTICAL ETF PORTFOLIOS


www.Axialco.com


Global ETF Portfolios Our Global ETFs, (Exchange Traded Funds) strategies are designed, implemented, and managed on an ongoing basis by Axial’s PM group with the goal of seeking long-term growth of capital. These strategies all utilize low-cost ETFs to diversify across equity and fixed income markets around the globe. However, they each differ in their allocation to fixed income, which is used primarily to lower the volatility profile of each strategy. While diversification is a primary focus, modest adjustments to each strategy’s asset classes are made periodically, based on fundamental shifts in global economies and financial markets.

Global Mutual Fund PortfoliosWith a focus on risk-adjusted returns, Axial’s Global Mutual Fund strategies seek long-term growth of capital. The PM group utilizes active management (ie, mutual funds) with the intent of limiting the downside volatility of prolonged market downturns. Depending on each client’s risk tolerance, volatility can be varied with different allocations to fixed income funds. To further control risk, the PM group has the ability to allocate to alternative investment mutual funds, which are used to diversify away from the traditional equity and fixed income markets.

Income Portfolios The primary goal of Axial’s Income portfolio strategies is to target specific levels of income while focusing on volatility—the PM group will utilize both ETFs and mutual funds to achieve this objective. While some strategies use fixed income exclusively, our primary income portfolio can hold other income generating asset classes if the risks of the bond market appear elevated.

Tactical ETF PortfoliosAxial’s PM group manages two core equity ETF portfolios with the objective of long-term growth of capital. These strategies employ a tactical rotation approach to equity investing, each with a different regional focus: the U.S. Equity portfolio uses ETFs to capture favorable trends in the U.S. equity market, while the International Equity portfolio focuses on the equity markets of developed and emerging markets countries. In addition, both portfolios have the ability to allocate to cash or fixed income as a risk-management tool when the equity markets develop longer-term downtrends.

Equity Dividend PortfoliosFor Axial clients looking to invest in individual companies, the PM group manages a stock portfolio of U.S. based companies that exhibit favorable dividend growth characteristics. These are companies that are committed to paying a dividend and historically have had the financial strength to raise their dividends—even across volatile economic cycles. The strategy typically holds between 30 and 40 positions which are equally weighted across the portfolio.

Alternative Investment Portfolio Axial’s PM group employs the use of alternative investments as a means of portfolio diversification and risk-management. When appropriate, certain non-traded funds are employed to capture opportunistic areas of the alternative investment marketplace. In addition, the PM group utilizes daily-liquidity mutual funds to capture various alternative asset classes or strategies, which may include long-short equity, equity market neutral, or managed futures.

Partnering With Axial

The Commonwealth Alliance Program (CAP) is a turnkey program offered through Axial Financial Group designed to allow trusted professionals, including accountants, attorneys, and other client centers of influence, to share a percentage of fee-based compensation with Investment Adviser Representatives (IARs) of Commonwealth and Axial Financial.

CreateBy partnering with Axial Financial Group, you create valuable opportunities with new and existing clients. Diversify your offerings by seamlessly integrating our services into your practice. The result is a cohesive wealth management offering for your clients and a fortified income stream for you.

GrowCollaboration with Axial allows you to offer clients access to comprehensive financial services yet still focus on your area of expertise. Diversify your revenue sources and watch it grow exponentially year to year through the addition of new assets and potential market appreciation.

PreserveThrough our flexible, easy-to-implement program, you maintain full control of your client relationships. Work with Axial to develop a customized business plan that meets the needs of your clients and business, at your pace and comfort level.

EnhanceExpand your role as a trusted advisor by helping clients target and implement investment paths suited to their specific financial needs, risk tolerance and time horizons. Best of all, maintain your role as a specialist and objective advisor.

StrengthenWork with Axial to add another important dimension to your client relationships. Our program promotes client service and fosters loyalty. Help your clients meet their goals while you meet yours.

CREATEnew opportunities

STRENGTHENyour current client relationships

PRESERVEcontrol

ENHANCEyour role as a trusted advisor

GROWyour practice

Add value for your clients and build recurring revenues by leveraging a scalable, proven process.Providing an avenue for your clients to achieve their financial goals greatly fortifies any professional’s practice. However, building investment capability in-house can take years, and demands a significant commitment that may distract focus from your core business. Additionally, doing nothing leaves opportunity on the table.

In contrast, aligning with Axial opens the possibility for immediate payback with high-margin recurring revenue. Simply deploy our proven wealth management service model and receive shared revenue based on the account’s value—for the entire life the account remains with Axial. Over time, your revenue grows in two ways—when you bring new accounts to the program, and through the potential compounding of account appreciation.

Year 1 Year 2 Year 3 Year 4 Year 5

Assets $10M $20.7M $32.1M $44.4M $57.5M

Partner Revenues $25,000 $51,750 $80,250 $111,000 $143,750

CumulativePartner

Revenues$25,000 $76,750 $157,000 $268,000 $411,750

5-Year Partner Revenue*assumes only $10M in annual new assets and 7% annual appreciation

assumes a 75/25 percent split with Axial

*Shared revenue is earned by partner for the life of client account at Axial Financial Group.

Getting started is easy.Step 1: Complete registration forms*

Step 2: Due diligence and approval

Step 3: Develop business plan and grow your business*Registration and exam requirements vary by state.


www.Axialco.com


Corporate Client Services

Financial guidance that grows with your business.Axial Benefits Group, draws on decades of experience to help business owners, executives and employees make informed decisions regarding retirement plans, employee benefits and other key financial issues.

AN INVESTMENT IN PEOPLEOffering a sophisticated retirement plan makes a positive statement to employees and the marketplace. An appropriately designed retirement plan, tailored to your business and workforce, can support hiring, encourage retention and assist all eligible employees in reaching their long-term investment goals.

Axial Benefits Group guides businesses in the important role of plan sponsor. We seek to create, implement and support plans that benefit employers and employees alike. Plans include:

• 401(k) plans

• Profit sharing

• 403(b) & 403(b)(7)

• 457 plans

• SEP plans

• Simple plans

• Taft-Hartley

• Money purchase

• Defined benefit plans

• Executive deferredcompensation plans

• Non-qualified plans Axial Benefits can represent top investment platforms from around the country to create a plan that meets sponsor and employee needs.

COMPREHENSIVE GUIDANCEWe provide a wide range of consulting and educational services for sponsors of all sizes:

Plan design and implementation—Evaluation of potential plan providers, investment policy statement development, asset allocation modeling, investment monitoring and benchmarking

Compliance and fiduciary support—Management of key regulatory requirements and implementation of appropriate fiduciary safeguards, under the guidance of AIF® qualified consultants

Employee education and communications—Creation and delivery of information that stimulates employee awareness, encourages plan participation, and drives informed investment decisions

CFP®-driven participant advice—Guidance from our Certified Financial Planners™ for employees seeking to plan and manage their financial futures

Fee-based ERISA consulting/AIF® consultants—Investment policy guidance, mutual fund due diligence and and assistance in the fulfillment of 404c requirements


www.Axialco.com


“At Axial Benefits Group, we understand that a service-based business needs to be client-centric, and that the client experience is at the core of our success.”

– Mick Rodgers, PrincipalAxial Benefits Group

Other ServicesAxial Benefits provides much more than retirement plan services. We guide business owners as they make key decisions about the future of their businesses, including:

Corporate Contingency Planning

Employee Group Benefits

Executive Benefit Programs

The value of working with an AIF®A fiduciary is an individual legally responsible for managing other people’s money. It is an important role that brings with it strict legal requirements; a fiduciary must always act in the best interests of his or her client.

Attaining the designation of Accredited Investment Fiduciary (AIF®) indicates a thorough knowledge of fiduciary responsibility and professionalism. An AIF® is an invaluable resource for plan sponsors seeking to serve plan participants and protect their own interests.

aspects of wealth management brochure w inserts.pdf · wealth management. portfolio management...

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