why a personal cfo€¦ · the financial consultants at the wealth consulting group are registered...
TRANSCRIPT
If you were the CEO of a Fortune 500 company, you would undoubtedly have a CFO on your staff to ensure that all of the company’s financial goals are met, right?
It’s our belief at The Wealth Consulting Group that no one who has accumulated wealth, or is in the process of
accumulating wealth, should treat their own money any differently. As YOUR Personal CFO, we work with you
to help you manage your financial life by navigating the complexities of creating and keeping wealth.
Since 1997, we have built our practice by focusing on client service and caring passionately about each of our
clients pursuing their financial goals and dreams. Our team of skilled planners, specialists and our investment
committee bring all of our resources together to develop a plan so you can pursue your dreams and work towards
your personal definition of true wealth. By this we mean the things that money can’t buy and that death can’t
take away – the time spent with loved ones, the memories garnered over a lifetime, the impact you have on loved
one’s lives – the things that will last long after we’re gone.
We would love to meet you and your significant other and have a conversation in a comfortable environment to
share with you how we can be of assistance in helping you pursue your personal financial goals.
“Our Mission is to act as our clients’ Personal CFO, simplifying their lives by helping identify their personal
definition of true wealth and by being the catalyst in filling in any gaps in their wealth plan, while providing a
level of service that goes beyond their expectations.”
–Michael Woitkoski, Managing Partner
Comprehensive Financial Planning
Retirement Planning
Investment Management
Insurance Planning
Education Planning
Estate & Legacy Planning
Executive Compensation and Benefits
Employee Benefits
The Wealth Consulting Group | 7676 Hazard Center Drive, Suite 1050 | San Diego, California 92108
MICHAEL WOITKOSKI Managing Partner, Personal CFO Phone: (619) 546-6090
CA Life Insurance License #0B93309
ALISSA TODD Wealth Advisor, Personal CFOPhone: (619) 269-5806
CA Insurance License #0L00408
ANGELIQUE SCIBILIAExecutive AssistantPhone: (619) 269-5712
WHY A PERSONAL CFO
On our team I work as an executive assistant to advisors Michael Woitkoski and Alissa Todd. I pride myself on my extraordinary organizational skills as well as my ability to get tasks done in a timely manner. My goals involve growing within the company where I can continue to learn and contribute as much value as possible to the team. I am also very excited to go above and beyond to exceed client’s expectations.
Prior to joining The Wealth Consulting Group, I was an executive assistant for four years at a Tax/Accounting Company.
In my spare time, I enjoy going to beach as well as spending time with my two dogs.
On our team, I work with Mike to create and develop meaningful strategies for your
Wealth Plan to help you work toward achieving your goals. I am a CERTIFIED
FINANCIAL PLANNER™ and have my MBA in Business Management.
In my spare time, I like to go on hikes with my husband and dog; I also enjoy wine tasting.
The financial consultants at the Wealth Consulting Group are registered representatives with and securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, a registered investment advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial.
Angelique Scibilia, Executive Assistant
Alissa Todd, Wealth Advisor, Personal CFO
Amber Kodad, CFP®, Director: Advisor Resource Center
Michael Woitkoski, Managing Partner & Personal CFO
MEET MICHAEL WOITKOSKI & HIS TEAM
As your Wealth Advisor & Personal CFO, I work with you to design and implement your Wealth Plan, Investment Portfolios, and Insurance Plans. I specialize in helping professionals in their 20s and 30s use money as tool to pursue living a life you love. We learn what is most important to you and then create a plan to help you pursue financial independence so that you can live your life by design, not default. Prior to joining The Wealth Consulting Group, I worked under the direct mentorship of a seasoned portfolio manager at a Fortune 100 Company.
I am bilingual in English and Japanese and am a board member of the Japanese American Citizens League San Diego chapter. Outside of work, I enjoy going on hikes in San Diego and practicing yoga. I grew up in Europe so I enjoy travelling and trying new foods from different cultures.
As your Personal CFO, I work with you to design and implement your Wealth Plan, Investment Portfolios and Insurance Plans. For over 20 years I have been helping our clients - individuals, families, and closely held businesses - simplify their lives by being the “go to” for all their financial needs and questions.
After growing up in Western Massachusetts, I earned a B.A. in History from Trinity College in Hartford, CT and moved to San Diego shortly thereafter to begin my career in financial services. My wife Mary and I have a son, Joey, and two cats, Gelato and Spumoni. I am a member of the Advisory Committee of the FACE Foundation (the Foundation for Animal Care and Education,) which is an organization that provides financial assistance to animal owners who are unable to afford the cost of their pets’ emergency veterinary care. In addition, I spend a lot of time playing with Joey, traveling, golfing and watching baseball and football.
Amber Kodad and Mark Senseman are Registered Representatives with, and securities offered through, LPL Financial, Member FINRA/SIPC. Investment advice offeredthrough WCG Wealth Advisors, a registered investment advisor. The Wealth Consulting Group and WCG Wealth Advisors are separate entities from LPL Financial. Gabe Adams and Rafael Melendez and Matthew Pierce are Registered Assistants, and Raymond Bell is an Advanced Insurance Consultant (CA Insurance Lic #0H36213),with LPL Financial. Bill Helkie is not affiliated with LPL Financial. Tax and legal services are not offered by WCG Wealth Advisors, The Wealth Consulting Group, LPL financial or affiliated advisors.
How We Support You
Client
(You)
Our
Team
Advanced
Planning
Team
Wealth
Planning
WCG
Resources
Strategic
Relationships
Investment
Strategy
Committee
LPL
Financial
Your Partners
-CPA
-Attorney
Amber Kodad
Gabe Adams
Rafael Melendez
Mark Senseman
Matthew Pierce
Ray Bell
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, a registered investment advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial.
Risk Management
(Insurance)
DebtAnalysis
Social Security & Medicare
Cash Flow &Budgeting
Estate Planning Tax Planning
Strategies
LifetimeIncome
Strategies
EmployeeBene�tsReview
CollegeFunding
RetirementPlanning
Investment Management
The Personal CFO FORMulaAs your Personal CFO and Wealth Advisor, we have developed and refined a process called the Personal
CFO FORMula to put all the pieces of your financial puzzle together and help you pursue your personal definition of true wealth. This includes understanding and analyzing topics below the waterline, which are often hidden from plain sight. The Personal CFO FORMula helps guide you, your family, and your team to
make your money and wealth work for you.
Value Added Services
80 Things
*Your plan may be implemented through the �nancial institution of your choice
Tax and legal services are not o�ered by The Wealth Consulting Group, WCG Wealth Advisors, LPL Financial or a�liated advisors.
Securities o�ered through LPL Financial, Member FINRA/SIPC. Investment advice o�ered through WCG Wealth Advisors, a registered investment advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial.
Client Engagement Models
PRODUCT SERVICES Transactional services and strategies are based on your speci�c needs and personal situation.Insurance
Investments
• Life Insurance• Long-Term Care Insurance
• Disability Income Insurance• Group Health & Dental
• Retirement Accounts for Individuals & Business Owners · IRAs (Traditional, Roth, Simple, SEP) · Solo 401(k) · Pro�t Sharing Plans
• Stocks, Bonds, Mutual Funds• Fixed & Variable Annuities• College Savings Plans
ASSET MANAGEMENT We work with you to create your investment strategy - a plan for how your investments will be allocated. The plan is tailored to you and is designed after a detailed analysis of your investment goals, saving patterns and risk tolerance.
Your customized portfolio is diversi�ed across multiple asset classes, potentially reducing your overall portfolio risk. Your plan can be adjusted as your investment goals, income and lifestyle change. You have 24-hour access to online accounts showing detailed net worth, account holdings, activity and performance.
Transparency of fees: Annual management charge is based on the amount of assets, not on investment selection or number of trades.
PERSONAL CFO SERVICE Comprehensive wealth management is the integrated process of managing an individual’s or a family’s wealth from all aspects of planning.
This process aims to help you identify and achieve your personal de�nition of true wealth – what is truly important to you in life. By examining your current �nancial situation, discussing your dreams and goals, and designing a roadmap that includes speci�c action items, we help you work towards achieving your goals while simplifying your life.
Comprehensive Planning* can help with:
• Cash Flow & Debt Management• Investment Planning• Retirement Planning• Worksite Bene�ts
• Tax Planning• Estate Planning• Risk Protection
*Your plan may be implemented through the �nancial institution of your choice. Tax and legal services are not o�ered by The Wealth Consulting Group, WCG Wealth Advisors, LPLFinancial or a�liated advisors. Securities o�ered through LPL Financial, Member FINRA/SIPC. Investment advice o�ered through WCG Wealth Advisors, a registered investmentadvisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial.
- Tell us Your financial story.
Identify Your Vision & Goals
- Financial Documents
��
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��Gather Your Information
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Commitment to You
Create Implementation Strategy
The Personal CFO Planning Service involves identifying needs and
objectives, establishing priorities based on your values, and
implementing options.
Personal CFO Planning Service
- Regular Check-ins- Reassess Goals, Objectives, Strategies
- Investments- Insurance- Taxes & Legal
Build Your Personal Wealth Plan- Modeling "what if" Scenarios- Investment & Insurance Analysis- Review Action Plan
- Data Veri�cation- Set up your Personal
Financial website
Michael Woitkoski is a Registered Representative with securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, a Registered Investment Advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial.
What John & Jane look for in an Advisor:
Objective Guidance
Reputation
Trust
Knowledgeable
Understanding of our Needs/Wants
Top of Mind for John & Jane:
Accountability Regarding Finances
Cash Flow Management
Wealth Planning for the Future
Organize and Consolidate Existing
Accounts
Own a Vacation Home in a Tropical
Location or a European City
4 – 6 Weeks of Vacation Annually,
Chargers & Padres Season
Tickets, Involvement with Favorite
Charity
John & Jane’s
Values Aligned Money Compass
January 1, 2016
Financial Success through Retirement
Savings, Retirement Income Strategies
and Education Expense Planning
Consistent Cash Flow Management,
Emergency Savings and Risk
Protection Strategies to Guard Against
Unknown
www.MyWealthCG.com
Organize. Monitor. Collaborate.
Take Control of Your Financial World
YO U R P E R S O N A L F I N A N C I A L W E B S I T E
Your Personal Financial Management website makes it easy to manage both your wealth and your well-being.
O R G A N I Z E R Connect all your accounts for a consolidated view of your entire financial picture.
T R A C K S P E N D I N G Know how much you're spending, and where.
INVESTMENTS Interactive charts and detailed views help monitor all your accounts.
S C R E E N S H A R I N G Join a screen sharing session quickly and easily for interactive planning anytime, anywhere.
B U D G E T I N G T O O L S Set budgets to help reach your savings goals.
M O B I L E A complete financial picture available on your smart phone.
VAU LT Safely store your most important financial documents, accessible 24/7.
G O A L S See if you're on target to reach your most important goals.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, LLC a registered Investment advisor. The Wealth Consulting Group and WCG Wealth Advisors, LLC are separate entities from LPL Financial.
Safe & SecureS E C U R I T Y
Your wealth management system employs advanced security features and protocols to keep your data safe, private, and secure at every hour of every day, year round.
Our comprehensive security measures include password protection, Secure Socket Layer encryption, firewalls, intrusion detection, audits, inspections, and more.
With each measure in place, you can be confident that your important information is safe and secure.
PA S S W O R D P ROT E C T I O N
You have a unique username and password, ensuring that only you can access your information. Submitting incorrect login credentials three consecutive times will automatically lock your account for 10 minutes. This is to block any manual or programmed hacking attempts.
In most cases, we have no access to your username or password. However, if you decide to provide us with this information, we will never share your username and password over the phone or send it to an email address not pre-registered with your account.
H I G H E S T E N C R Y P T I O N
Our system uses a 256-bit Secure Socket Layer to scramble your data, further preventing access to unauthorized users. This is the highest level of encryption currently available today, and twice the standard followed by many financial institutions, including banks.
S E C U R E D DATA
We house your important data at secure, geographically separated data centers. Physical security measures at these facilities includes 24/x7/x365 on-site personnel and closed circuit video surveillance.
These data centers also make use of fire protection, electronic shielding, and database backup procedures to ensure your data is continuously monitored and protected.
RO U T I N E S E C U R I T Y T E S T I N G
Your wealth management system uses third-party security auditors and software, including TraceSecurity, Tenable Security and WhiteHat Security, to identify vulnerabilities within your system and to assist us with remediation efforts.
2 - FAC TO R AU T H E N T I C AT I O N
Your wealth management system employs 2-Factor Authentication (2FA), a complete fraud detection platform that uses a dynamic risk- and rules-based approach to identify high-risk behaviors and initiate an additional layer of security. With 2FA, you are sent a verification code to your mobile phone, which you are required to input along with your username and password in order to access your personal financial website. This additional layer of protection safeguards your sensitive financial data and strengthens the security of your account by requiring two methods of verifying your identity.
NON-TRANSACTIONAL
Unlike online banking, trading or shopping websites, your money cannot be moved, withdrawn or accessed on our system.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, LLC a registered Investment advisor. The Wealth Consulting Group and WCG Wealth Advisors, LLC are separate entities from LPL Financial.
Conservative Income/Growth Growth/Income Growth AggressiveGrowth
Strategies
<-----Family Index Number----> Risk
Profile
Tactical
Investment Portfolios
Third Party Stress Reviewed | ISC Committee | Morningstar | F1360 | LPL Research
Traditional StockIncome Dividend ETFHigh Impact
Taxable
Tax-Sensitive Traditional
No strategy assures success or protects against loss. Investing involves risk, including possible loss of principal. The portfolios presented above range from those suitable for investors with a low risk tolerance and shorter time horizon to those suitable for investors with a higher risk tolerance and longer time horizon, moving from left to right under the Family Index Number. Individual client portfolio holdings can be customized to meet investment objectives of tax-conscious investors. Tactical overlays available in some portfolios. The financial consultants at The Wealth Consulting Group are registered representatives with and securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, a registered investment advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial. Morningstar and Fi360 are separate, non-affiliated entities.
Menu of Services
CORE FINANCIAL SERVICES Personal CFO Service Strategic Investment Management Retirement Planning & Income Strategies Insurance (Life, Long Term Care, Disability)
STRATEGIC FINANCIAL SERVICES Cash Management & Budgeting Investment Income Strategies Social Security Planning
Education PlanningCoordinating with your Professional Contacts (Attorney, CPA, etc) BUSINESS OWNER Business Valuation
Succession Planning Employee Benefits Key Person Planning Retirement Planning Business Liability Insurance
WEALTH TRANSFER & CHARITABLE Estate Planning Asset Protection Family Governance Charitable Planning
CONCIERGE SERVICES Financial Fitness Family Financial Fitness
Personal Financial Website Online Account Accessibility Family Education Coaching Healthcare Planning
REFERRAL SERVICES Tax Planning Trust Planning Home & Auto Insurance Real Estate (Loans, Purchasing, & Selling)
Family & Employment Law
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, LLC., a registered investment advisor. WCG Wealth Advisors, LLC. and The Wealth Consulting Group are separate entities from LPL Financial.
www.MyWealthCG.com
Name: Date:
Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Advisors, a registered investment advisor. WCG Wealth Advisors and The Wealth Consulting Group are separate entities from LPL Financial. 3
I. Personal CFO Approach
• In-depth discovery and activelistening helps us understand yourvision, goals and personal definitionof true wealth
• A personalized “values alignedmoney compass” is developed thatprovides clarity about today’s goalsand presents “what if” scenarios
• Clear recommendations thatsimplify complex issues, spell outoptions, and ease implementation
II. Exceptional Guidance
• A credentialed and experienced teamthat innovates and provides meaningfulperspective at every stage of life
• A sophisticated yet understandableinvestment approach that is researched,risk-managed, disciplined, and tied toyour goals and objectives (family index)
• Collaboration with professionals acrossmultiple financial disciplines toimplement and fully integrate your plan
III. Memorable Service
• A firm wide commitment toexceeding your expectations aroundaccessibility and responsiveness
• Ongoing communication allows us tocheck progress, re-assess your goals,and allows us stay ahead of forward-looking, wealth-related issues
• Taking an interest in your life andpassions creates clarity around yourpriorities and builds trust
Confidence that comes from clarity and preparedness for today and the future
Comfort in knowing you have an experienced team in your corner working in your best interest
Assurance that comes from a long-term relationship built on understanding
Why Our Clients Choose Us