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Introduction To Kurjian.Anastasio
- 1. Kurjian Anastasio Financial Group April 16, 2010 UBS Financial Services Inc. 32300 Northwestern Hwy., Suite 150 Farmington Hills, MI 48333-9055 Tel. 248-851-1001 Fax 248-851-4758 [email_address] [email_address]
- 2. Our commitment The Kurjian Anastasio Financial Group We listen to you and learn about your individual goals and needs. Our aim is to help you understand that the best investment decisions are the ones that are best suited for you and your family. Our mission The Kurjian Anastasio Financial Group We are relationship focused and committed to delivering personalized service, sophisticated planning and customized investment solutions designed to assist our clients in pursuing their financial goals.
- 3. What makes us unique? Our core values of honesty, integrity and ethics will not be compromised Solution-based planning Our experience, our processes and our focus on minimizing risk differentiate us from our competitors Nearly 50 years of experience in the investment and risk management industries “ Our Client Contract” is our written commitment to you All clients have access to the unique specialties of each partner Each client receives a customized service model Complete transparency of all our costs and fees
- 4. Our business philosophy For many people, investing in the financial markets is a mystery, both complex and intimidating. Inexperienced investors are often disappointed because their investments fail to achieve the desired results. Coordinate and organize your financial matters and documents Determine your financial objectives and risk tolerance Design an investment program to provide you with a sustainable and predictable income stream to finance a successful retirement in a manner consistent with your goals and dreams Manage risk by developing an appropriate asset allocation strategy and the discipline to adhere to it over time Make smarter and better-informed financial decisions Our solution-based planning approach will help you:
- 5. Kurjian Anastasio Financial Group Richard Kurjian, CFP ® Vice President–Investments Senior Portfolio Manager Portfolio Management Program Advisory and Brokerage Services Richard has a B.A. in Accounting and Finance from the University of Michigan and a M.S. in Financial Planning from Walsh College Richard focuses on helping clients with financial planning, asset allocation and portfolio management services He is a portfolio manager with our firm’s Portfolio Management Program who oversees the management of the allocation of assets between stocks, bonds and cash in discretionary investment accounts
- 6. Kurjian Anastasio Financial Group Joseph Anastasio Vice President–Investments Senior Portfolio Manager Portfolio Management Program Advisory and Brokerage Services Joe has a B.A. in Economics from Queens College and an M.B.A. in Finance from St. Johns University Joe focuses on helping clients with financial planning, insurance services, estate planning strategies as well as investment consulting services, asset allocation and portfolio management services He is a portfolio manager with our firm’s Portfolio Management Program who oversees the management of the allocation of assets between stocks, bonds and cash in discretionary investment accounts
- 7. Kurjian Anastasio Financial Group client services Monthly Statement Service Annual Statement Summary Account Performance Summaries Account Consolidation Reporting Service Gain/Loss Reporting Personal Rate of Return Asset Allocation Analysis 24/7 Online Account Access Account Reporting UBS Investment Research Lending Services Check Writing in Our Resource Management and Business Services Accounts Online Bill Payment Equity and Fixed Income Investment Research Global Research Market Commentary Technical Market Analysis UBS Investment Research Full-Service Brokerage Accounts Stocks Mutual Funds Bonds Convertible Securities Corporate Pension Plans IRA, SEP and Keogh Plans Annuities Investment Products and Services Tax Planning Strategies Estate and Trust Planning Strategies Financial Planning College Tuition Planning Philanthropic Strategies Planning Single Point-of-Contact for Account Services Client Newsletter Real-Time Quotes Online Trading for eligible accounts Miscellaneous
- 8. Kurjian Anastasio Financial Group Our Team Concept is to provide you with diverse resources from both UBS Financial Services Inc. and outside the firm. You & Kurjian Anastasio Financial Group Client’s tax advisor Client’s attorney Wealth planning Expertise UBS trust and lending services Insurance specialist
- 9. We request that you: Notify us of any life-changing events that may impact your plan Have patience and understanding when the market fluctuates Be disciplined and stay committed to your plan Remain invested for the long term Provide us with referrals who may benefit from our services
- 10. Your financial journey Investing is a journey with now as your starting point, and your dreams and goals as the final destination As your Financial Advisors, we promise to be there with you the entire way. Our team will keep your interests first, and we’ll make sure you are always properly invested relative to your goals
- 11. Disclosures Annuities are long term investments designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges. For tax purposes, withdrawals are generally deemed to be earnings out first. Taxable amounts withdrawn will be subject to ordinary income tax, and if taken prior to age 591⁄2, a 10% IRS penalty may also apply. Withdrawals have the effect of reducing the death benefit, optional benefit riders and the contract value. Financial Planning services are provided in our capacity as a registered investment adviser. As a firm providing wealth management services to clients in the U.S., we offer both investment advisory and brokerages services. These services are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at www.ubs.com/workingwithus. Neither UBS Financial Services Inc. nor any of its employees provide legal or tax advice. You should consult with your personal legal or tax advisor regarding your personal circumstances.