KURT CARRASQUILLA
Vice President – Financial Advisor
Senior Investment Management Specialist
Wealth Management
September 15, 2010
Where Did We Come From?
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Stock Broker
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Lone Ranger
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Specialist
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Dying Breed
Bud Fox - Wall Street 1987
What Is Wealth Management?
Integrated Financial Guidance Based on Investor Goals
Cash Flow
Income Tax
• Pre-Retirement & Retirement Cash
• Flow Modeling
• Debt Management Review
• Projections for Tax Efficiency
• Effect of Changing Tax Laws
• Reduction & Timing Strategies
Retirement
Wealth Transfer & Protection
• Capital Sufficiency Analysis
• Benefits Elections & Payout Planning
• Cash Flow Sufficiency & Tax Minimization
• Appropriate Documents in Place
• Estate Tax Minimization
• Wealth Transfer Design
• Gifting & Charitable Planning
Benefit & Stock Option
Insurance
• Wealth Replacement Strategies
• Survivorship & LT Care
• Comprehensive Insurance
• Coverage Review
Source: Fifth Third Bancorp
Investment
• Investment Policy
• Asset Allocation & Diversification
• Tax Sensitive Recommendations
• Strategy for Liquidity
• Benefits Maximization
• Timing of Exercises
• Option Financing Alternatives
• Hedging Strategies
Who Are The Players?
What Do HNW Clients Want?
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Intelligent Advisors
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Responsiveness
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Team Approach
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Market Tested Experience
What Do HNW Clients Want?
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No Selling
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Visionary
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Access To Everything
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Connections
How Do You Gain Entry?
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Internship
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MBA
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Support Function
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Align With Sr. Advisor
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Additional Credentials
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Network - Alumni
The Copper Beech Tree
Family Wealth - Keeping It in the Family
by James E. Hughes, Jr.
If you don’t know what a copper beech tree looks like and you want to see one,
go to Rhode Island and look in the front yards of many Newport mansions. When
fully mature, a copper beech tree is the largest tree in the northeastern forest.
It is a huge gray tree with a beautiful crown of copper-colored leaves that needs
five or six adults, or ten children, holding hands to ring its trunk. Once mature, a
copper beech tree will live for centuries. Why is this beautiful tree my favorite
metaphor for successful long-term wealth preservation by a family? First, think of
the courage it takes to plant a tree that takes 150 years to mature. No one who
plants the tree will ever see it full grown. Second, someone must invest love and
patience to nurture it. Think of the hurricanes, ice and snow, pests, and fire that
may consume the tree while it is too young to withstand those hazards. It needs
help to survive these threats. Third, as it matures it has to contend with humans
who want to cut it down for its wood, and with governments that want to put a road
or a new housing development where it stands. The issues the growing tree faces
parallel those in the unfolding life of a family.
Wealth Management Team
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Jordan Walters, CPA, MBA, BS
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Kurt Carrasquilla, MBA, BS
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Lawrence Lo, BS

Joe Bummer, BS
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Nick Chin, BS
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Ben Chan, BS (May 2011)
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Darrick Yong, BS (May 2011)
What We Do For Clients
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Financial Planning
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Coordinate With CPAs, Attorneys etc.
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Investment Management
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Family Dynamics - Wealthy Children
What We Do For Clients
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Blocker
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Sounding Board
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First Call
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Psychologist
Q&A
THANK YOU!