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Presented By:Sylvain Templeman
Innovating Products & Creating Value for the
Independent Advisor Practice
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The AUI Marketplace
*Source: Ed Slott Newsletter – May 2015
$320B+ RolloversAnnually
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Incorporated in 1984 & based in Bellevue, Washington, TPFG is an institutional money manager that has formed a strategic partnership with only a limited number of independent investment advisors to give you the best of both worlds; professional day-to-day asset management that is customized and coordinated for your specific goal and objectives by your local investment advisor representative.
Over time we have evolved over time to now offer our 3rd party investment management services on four distinctly different platforms.
1) Separately Managed Account (SMAs)
2) Managed Portfolios (MPs)
3) Variable Annuity Optimization (VAO)
4) Retirement Plan Management (RPM)
& 401(k) Pre-Rollover Solution
The Pacific Financial Group
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PRS
Pre-Rollover Solution
401(k)
Help your client with their 401(k), 403(b) & 457 Accounts.
* While your client is employed* While your client is contributing to their 401k, 403b or
457* Without you doing an in-service transfer or rollover* Without being the Rep of Record on the Plan
.....it can now be an Asset Under Management without your client writing a check or having fees pulled from another account!
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PRS
Pre-Rollover Solution
401(k)
With almost 30 years of experience and as a pioneer in the ‘Self-Directed Brokerage Account’ space, we have solved for the three major obstacles facing Financial Advisors trying to help their clients with 401(k)s, 403(b)s & 457 Accounts:
1) Complexity - streamlined AUM gathering process
2) Compensation - RIA & IAR are compensated by the AUM
3) Compliance - TPFG accepts full fiduciary role & responsibility
401(k) is a turnkey AUM program that WILL change the nature of your rollover business!
PRS
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Pension Protection Act 2006
Highlights:
• More investment options
• Access to investment advice
• Risk managed portfolios
• Brokerage window options
• Fiduciary Accountability for plan vendors, sponsors and employers
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Institutional Access
Fidelity
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Self Directed Brokerage Account (SDBA)
‘Core’ Investment Options
Fixed Income, Real
Estate, Money
Market Funds
Lifestyle and Target Date
Funds
Large, Mid, Small Cap
Funds
Value, Growth,
Global Funds
‘Self-Directed’Brokerage Account
Client’s Retirement Account
401k – 401a – 403b - 457
Self Directed Brokerage Account
• Custom Investment Solution
• Incorporating: Your Age Years to retirement
Risk/reward assessment Minimizing overlap
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The Value of Advice
3.32% ‘about’ 3%5.03%
Fixed Income
4.20%Equity
1 - Help in Defined Contribution Plans: 2006 Through 2012 – AON/Hewitt Study 20142 – How American Saves – A report on Vanguard defined contribution plan data - Vanguard 20123 – Quantitative Analysis of Investor Behavior – Dalbar’s 20th Annual Study 2013
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The Value of a Pre-Rollover Solution
Does your AUM work for you or against you?
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Traditional Rollover Case
Profile: Client A – “Ready to Roll” 65 years old
Retiring in a month
$300,000
6% Income to augment Social Security
Age:
Status:
Asset Value:
Objective:
6% annuallyR.O.R. Target:
Profile: Client A – “Ready to Roll” is a hypothetical illustration based on the numbers listed above
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Traditional Rollover Case
1 2 3 4 5 6 7 8 9 10 $220,000
$230,000
$240,000
$250,000
$260,000
$270,000
$280,000
$290,000
$300,000
$310,000
Asset Value after 10 years
Rollover Asset Decline$251,272
Calculation facilitated @ http://www.flexibleretirementplanner.com/wp/planner-launch-page/
Profile: Client A – “Ready to Roll” is a hypothetical illustration based on the numbers listed on the previous slide
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Profile: Client B – “The Catch Up Kid” 55 years old
Retiring in 10 years
$125,000 + $20,000/yr. in contributions
Growth & Accumulation with Risk Mgt
Age:
Status:
Asset Value:
Objective:
8% annuallyR.O.R. Target:
Case for a Pre-Rollover Solution
Profile: Client B – “The Catch Up Kid” is a hypothetical illustration based on the numbers listed above
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1 2 3 4 5 6 7 8 9 10 $-
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
Case for a Pre-Rollover Solution
Asset Value after 10 years
Pre-Roll Asset Growth $510,691
Calculation facilitated @ http://www.flexibleretirementplanner.com/wp/planner-launch-page/Profile: Client B – “The Catch Up Kid” is a hypothetical illustration based on the numbers listed on the previous slide
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Roadmap to
Set your sights on the right assets and finally let your AUM work for you, not against you!
Keys to success:1) Consistently adding 1 new client a month with an average balance of $125,0002) Encouraging clients to save more for retirement3) Average $20,000/yr. in combined contributions (employee & employer match)
4) Help clients & prospects where they need and want it most!
Ideal Client:Age 40-50Behind on saving for retirementWorking Professional
Compounding your AUM
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Assets Under Management
Annual Contribution
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6$240,000 $720,000 $960,000 $1,200,000$480,000
$1.69M
$3.77M
$6.27M
$9.23M
$12.68M
Your Practice in 5+ years
** 8% ROR used for AUM growth illustration
$1,200,000
$14.97M
18.06%
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Assets Under Management
Annual Contribution
Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
$1,200,000
$12.68M
Reve
nue
Your Practice in 10 years
** 8% ROR used for AUM growth illustration
$1,200,000
$14.97M
$1,200,000
$17.46M
$1,200,000
$20.16M
$1,200,000
$23.07M
$1,200,000
$26.23M
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Assets Under Management
Annual Contribution
Year 1 Year 2 Year 3 Year 4 Year 5 Year 10$0.72M $0.96M $1.2M $1.2M
$1.69M
$6.27M
$9.23M
$12.68M
$26.23M
Reve
nue
** 8% ROR used for AUM growth illustration
1 Client a Month
Assets Under Management
Annual Contribution
4 Clients a Month
$0.96M
$6.76M
$3.77M
$15.07M
$1.92M $2.88M
$25.07M
$3.84M
$36.90M
$4.88M
$50.71M
$4.88M
$104.93M
Your Practice in 10 years
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One Product - Two Solutions401(k) Pre-Rollover Solution
For Your Clients & Prospects For Your Business
The Help They Need
The Advice They Want
The Peace Of Mind They Deserve
Compounding AUM Bi-Weekly
Less Maintenance Service Model
Increasing Practice Value & Scalability
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If you believe that a client deserves quality, independent investment advice on all their assets and that financial planning doesn’t begin the day they retire, then the best way to increase your current AUM & revenue is to look for different types of clients/assets already in your practice.
Existing Client Identification (Statements)
Presentation Paperwork
Your new activity begins with:
AUM Gathering – Getting Started
TPFG will help you with:
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Your Time is Now
3 reasons to consider this in your business mix
1) Your CompetitionEvery Retirement Plan
Every Financial Services CompanyEvery advisor, Including Robo Advisors!
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Your Competition
BettermentFidelity – P.A.S. @ WorkVALIC – G.P.S.Financial EnginesAssetBuilder by Ibbotson
Morningstar OptimizerSchwab Intelligent PortfoliosWealthfrontPrivate Label (ex: SigFig’s Algorithm)
Robo-advisors are a class of financial adviser that provides portfolio management online with minimal human intervention. While their recommendations may vary, they all employ algorithms such as Modern portfolio theory that originally served the traditional advisory community, which has relied on algorithmic templates to conduct portfolio management since at least 2005.
* study by Corporate Insight
AUM = $19 billion as of December 2014*
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Your Time is Now
3 reasons to consider this in your business mix
1) Your Competition
2) Changing Demographics
Every Retirement PlanEvery Financial Services CompanyEvery advisor
80 is the new 60
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Changing Demographics
**Source: http://www.transamericacenter.org/docs/default-source/resources/center-research/tcrs2014_sr_three_unique_generations.pdf
Baby Boomer: Pioneers of a New Retirement Paradigm
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Your Time is Now
3 reasons to consider this in your business mix
1) Your Competition
2) Changing Demographics
3) Changing Regulations
Every Retirement PlanEvery Financial Services CompanyEvery advisor
80 is the new 60
FINRA Investor AlertTreasury Clears the Way for Annuities in 401(k)s
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Regulatory Pressure
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401(k) – Recent Changes
• Reduced Investment Options
• Computer Generated Investment Models
AKA - TDFs
• Automatic Enrollment (opt out vs opt in)
• Fee Disclosure – 408b2
• 404c Compliance
• Brokerage Windows
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Future Lifecycle of an IRA Rollover
90%
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Distribution
Your AUM Marketplace
$320B
Accumulation Robo - Conditioning
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"If you want something you've never had, you have to do something you've never done.“
Thomas Jefferson
Your Time is Now
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THANK YOU!