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WEALTH MANAGEMENTHelping you reach your financial goals

WEALTH MANAGEMENT REGISTERED INVESTMENT ADVISER

True independence allows CONCERT advisors to control their business, and serve their clients within their own perspective, style and expertise.

We take great pride in providing our advisors with transition planning and execution, concierge-level service and support, practice management and marketing expertise, time-saving technology, and a range of financial products and services they need to achieve true independence.

It is our mission to provide our advisors a platform support that helps them exceed the expectations of their clients, and achieve their goals.

CONCERT ADVISOR SERVICES, INC.Services for Investment Advisors

CONCERT Wealth Management is a Securities Exchange Commission (SEC) Registered Investment Advisory firm (RIA) that offers integrated financial planning-based investment solutions for high net worth individuals and families with complex needs.

We are fully committed to a creating a relationship that places the client’s interests first. Utilizing an open product architecture, we have a multitude of resources available to address your unique needs and situation.

As an independent financial advisor, we provide objective investment advice free of ties to any single custodian or third-party vendor. At CONCERT, our only focus is on your financial needs and finding solutions that are truly best for you. This approach allows us to build valuable long-term relationships with our clients that have spanned generations.

CONCERT WEALTH MANAGEMENT, INC.Registered Investment Advisor (RIA)

CONCERT Capital Management offers the sophisticated investor access to the Turn-key Asset Management Solution designed to aid financial advisors with management of their business practice.

Leverage the effectiveness of single access to asset allocation models, automatic re-balancing and overlay portfolio management for your high net-worth clients

CONCERT Business Consulting emphasizes a life cycle approach to business consulting, offering support to managers/owners in the Planning, Growing, Profiting, Evaluating, Motivating, and Exiting of their firms.

Our specific services include business planning and valuation, budgeting and financial planning, cost and efficiency counseling, and information technology consulting on a contractor basis to closely held businesses.

CONCERT CAPITAL MANAGEMENT, INC.Institutional Investment Management

CONCERT BUSINESS CONSULTING, INC.Corporate Services

CONCERT GLOBAL GROUP COMPANIES



ALENA POVAROVAFINANCIAL ADVISOR, PORTFOLIO MANAGER

As a Financial Advisor I specialize in investment management and financial planning for high net worth individuals and families with complex needs. I work with clients who are in career or life transitions to ensure they are making the right moves to protect their assets and plan for a secure future. Whether it is starting a new family, changing careers or location, or preparing for the next chapter, your journey can be aided by a professional who has the wisdom and resources to support and guide you.

Because I work primarily with high net worth families, I have developed a thorough understanding of the unique problems and opportunities that you may confront. This translates into a time-tested ability to obtain measurable and meaningful results for you, your business, and ultimately, your family.

MY CONTACT INFORMATION:

1871 The Alameda, Suite 350San Jose, CA 95126Tel: 408-856-6233Fax: [email protected]

MY CORE EXPERTISE INCLUDE:

- Comprehensive Financial Planning- Retirement Planning Strategies- Risk Management- Asset Protection- Investment Planning

ABOUT ADVISOR

mailto:[email protected]

CORE PHILOSOPHY

Affluent individuals and families find something different at CONCERT Wealth Management. No other firm does as much to help you reach all of your goals for each stage of your life.

For individuals wanting to build a prosperous future for themselves and their heirs, a life-long relationship with CONCERT Wealth Management is the ideal solution.

By listening to and thoroughly understanding our clients, we have helped them reach their financial dreams and goals. Relationships with some of our clients have spanned generations.

We work with clients to create financial plans that address three important phases of the personal financial planning life cycle:

ACCUMULATION OF WEALTH

- Saving for a major investment or expenditure- Building investment portfolio- Maximizing tax-deferred growth- Minimizing tax liability- Purchasing a home- Planning for your children's education- Building liquidity

PRESERVATION OF WEALTH

- Preparing for and entering into retirement- Business continuation- Long-term care- Aligning portfolio objectives with a changing lifestyle

DISTRIBUTION OF WEALTH

- Creating a family legacy- Managing estate taxes - Gifting- Transferring business interests- Passing on your wealth to your heirs


CONCERT APPROACH

Our approach is based entirely on the identified needs of the client. The typical process for new clients involves an in-depth analysis of client’s personal financial situation, followed by a review and completion of a financial plan, and lastly, an implementation of the investment strategy.

GATHER INFORMATION AND CLIENT INTERVIEW

During our initial interview we take the time to get to really know our clients to design a financial plan that is suitable to their particular circumstance.

Our discussion will cover a comprehensive range of topics, such as your: values, goals, interests, assets and liabilities

EVALUATE FINANCIAL SITUATION AND SET OBJECTIVES

We will work to clarify and quantify your financial goals, apply current tax and any other applicable laws, prepare an inventory of assets and liabilities for further discussion, and formulate a written plan of action with a detailed explanation of costs & benefits

DEVELOP CLEAR PLAN TO ACCOMPLISH OBJECTIVES

We will present a written report of our findings that includes a recap of your current financial situation, your financial goals, and asset and liability inventory. A formal action plan is designed specifically to attain your financial goals.

IMPLEMENT PLAN’S STRATEGIES

For all of our recommendations, we will present you with options, risks, costs, and benefits.

We will help you decide which recommendations make the most sense for you and in which order CONCERT will execute them on your behalf.

MONITOR PROGRESS AND REFINE PLAN

Throughout our relationship you will be constantly informed of your financial well-being and progress being made towards your goals. You’re also welcome to contact us at any time to review your portfolios and the financial plan.

Together, we will revisit your financial plan on a periodic basis to make sure our assumptions are up-to-date and make necessary adjustments.

TYPICAL PROCESS

2. FINANCIAL PLAN

3. INVESTMENT STRATEGY

1. COMPREHENSIVE PROFILE

INITIAL CONSULATION

+1-2 WEEKS

FOLLOW-UP MEETING

+1 WEEK


CONCERT Wealth Management specializes in financial planning for individuals and families with complex needs.

Financial Planning is the process of meeting your life-long financial goals with the help of proper management of your finances. Proper planning for your personal or business goals provides direction and meaning to your financial decisions. It allows you to understand how each financial decision affects the overall picture of your financial well-being.

The financial planning process involves:

CONCERT Wealth Management possesses an expertise in every facet of wealth management:

RETIREMENT PLANNING

ASSET MANAGEMENT

DEBT MANAGEMENT

TAX PLANNING

EDUCATIONAL FUNDING

ESTATE PLANNING

Gathering your financial information to understand your current position

Developing a strategy or plan for how you can meet your future goals

Executing and up-keeping the strategy throughout the years

1

2

3

FINANCIAL PLANNING


At CONCERT we listen to client’s financial goals, objectives, and concerns, then propose a solution tailored just for the client. The suggested portfolio allocation is fine-tuned to our client’s financial goals, expected growth, and tolerance for risk.

This portfolio is strategically diversified and allocated among both conventional and alternative asset classes including stocks, bonds, currencies, natural resources, etc. The bottom line is to produce maximum risk adjusted returns through prudent investment management.

Our unique model allows us to use services and products from various custodians, brokerage firms, and banks to provide our clients with the most competitive and ultimately low-cost financial solutions. At CONCERT, our success is aligned with our clients’ success.

EFFICIENT FRONTIER

Return

Risk

Aggressive

Moderate

Conservative

INVESTMENT MANAGEMENT


HOLISTIC APPROACH

CONCERT has a client based approach that is based entirely on:Your unique situationYour unique financial objectivesYour unique needs and concerns

As an Independent Financial Adviser we are always on the client’s side: We are not sales people like the employees of the major investment firms,

insurance companies or banks We do no push proprietary products of services We are fee-based, we do not charge commissions

We identify and offer the best options for you regardless of where that option can be found. We go out into the marketplace and find the best product or company to meet your needs based on:QualityPriceFit Your financial plan

CONCERT DIFFERENCE

FOR MORE INFORMATION PLEASE CONTACT US:

1871 The Alameda Ste 350 San Jose, CA 95126Direct 408.856.6195

Toll Free 866.553.3951 x 1111eFax 408.579.4173

[email protected]

COMPREHENSIVE FINANCIAL PLANNING

PROFESSIONAL INVESTMENT MANAGEMENT

This presentation is for general information purposes only. It does not take into account the particular investment objectives, restrictions, tax and financial situation or other needs of any specific client. The information in this brochure is not intended to be used as the primary basis of investment decisions, nor, because of individual client requirements, should it be construed as a representation by CONCERT Wealth Management as an offer or the solicitation of an offer, to buy or sell a security. Views expressed herein are subject to change on the basis of additional or new research and new facts or developments. This brochure may contain forward-looking statements which involve risk and uncertainty. Actual results may differ significantly from the forward-looking statements. The investment risks described herein are not purported to be exhaustive, any person considering an investment should seek independent advice on suitability or otherwise of the particular investments.


Download - Concert Wealth Management

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