Paramount - Cornerstone Benefit Plans,...
Transcript of Paramount - Cornerstone Benefit Plans,...
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ParamountP L A N N I N G G R O U P
a division of AXA Advisors, LLC
Del iver ingI N N O V A T I V E S T R A T E G I E S
for Your Needs
PPG-56000 (8/10) Cat. #129920 (8/10)
G24
911
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here are a seemingly infinite number of financial strategies available to
you. Tailoring the ones that work best for your situation requires personal
attention, a depth of resources and, most importantly, the right guidance from finan-
cial professionals who are recognized as among the best in the industry. That’s
where we come in.
The Paramount Planning Group (PPG) is comprised of the most distinguished,
innovative and respected financial professionals affiliated with AXA Advisors, LLC.1
Many hold advanced degrees, such as an MBA, and professional designations
like Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC)
and CERTIFIED FINANCIAL PLANNERTM (CFP®) professional. PPG members are highly
experienced at meeting the special needs of affluent individuals, corporate
executives and business owners.
With an average of 20 years of professional financial experience, PPG members
understand the complex financial issues facing affluent individuals and offer
sophisticated strategies to help clients work toward their financial goals. Many
key executives of leading corporations are clients of our Paramount Planning Group
members.
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1 The financial professionals of the ParamountPlanning Group offer securities through AXAAdvisors, LLC, member FINRA and SIPC.Paramount Planning Group is a division of AXA Advisors, LLC.
CFP® and CERTIFIED FINANCIAL PLANNERTM
are certification marks owned by the CertifiedFinancial Planner Board of Standards, Inc.These marks are awarded to individuals who suc-cessfully complete the CFP Board’s initial and ongoing certification requirements.
A U N I Q U E A P P R O A C H F O R Y O U R U N I Q U E V I S I O N
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T H E P R E M I E R F I N A N C I A L S E R V I C E S Y O U W A N T
our goals and dreams are unique to you, and the avenues for addressing
your financial objectives may seem almost limitless. With so many possibilities,
you need to make sure that you’re heading in the right direction — particularly
if you’re trying to meet personal, family or business goals. You want to be
ready to respond quickly to changing personal circumstances and economic con-
ditions. That’s why many people choose professional assistance to help
them define their goals and to guide them through the array of financial options
to help meet these goals.
As AXA Advisors’ foremost group of financial professionals, members of the
Paramount Planning Group recognize and understand the complex financial
issues that face affluent individuals and challenge even the best of their
financial advisors.
PPG financial professionals are proficient at dealing with complicated
situations. Through a collaborative relationship, we’ll help you assess your
dreams and aspirations, and identify and prioritize your short- and long-term
goals. Then we’ll provide you with the necessary information you need to
make important decisions and address the most intricate financial concerns.
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A W E A L T H O F R E S O U R C E S A T Y O U R D I S P O S A L
aramount Planning Group provides input for product design to help meet
the wealth protection, asset allocation, financial and estate conservation needs
of high-end clients. PPG members have access to a dedicated support team
of specialists throughout the company, including attorneys, CPAs and CFP®
practitioners, who can provide advanced assistance in:
�Case design
�Underwriting expertise
�Customer service
�Tax and Legal Research
Furthermore, our members offer the life insurance and annuity product portfolio
of AXA Equitable Life Insurance Company, as well as insurance products from a
variety of unaffiliated financial companies through an insurance brokerage
affiliate, AXA Network, LLC and its insurance agency subsidiaries. Plus, you’ll
have access to investment management services and a wide variety of mutual
funds from numerous leading investment companies through AXA Advisors,
LLC.
This extensive range of excellent products and services provides a breadth
and depth of options in helping you work toward your financial objectives.
AXA Advisors and its affiliates and associates do not provide legal or tax advice.
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C U S T O M S T R A T E G I E S T O M E E T Y O U R P E R S O N A L N E E D S
carefully planned investment and insurance strategy can help you work
toward your life, retirement and estate goals. As a client of a Paramount
Planning Group member, you can establish a personal relationship with a knowl-
edgeable financial professional — a trusted resource who will take time to under-
stand your unique investment objectives and who can provide access to the
capabilities of a global company.
Together, we can define a strategy to help you build your financial future.
You’ll have access to leading investment and insurance companies’ products,
and the information you need to make informed decisions about:
Individual Risk Management — We offer a variety of strategies designed to
assist you in working toward your short- and long-term financial needs. We do
so through an implementation of products and services that may include life
insurance, annuities, disability and long-term care insurance, health insurance
and business planning.
Financial Strategies — We can help create a financial strategy that looks at your
total financial picture and gives you a comprehensive, recommended road map
for organizing and addressing your major financial objectives, whether it
be saving for retirement, education funding, addressing your investment goals or
leaving a legacy for your heirs.
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We give you access to the
investment management experience of many of the country’s top money
managers. This breadth of product and service offerings enables you to pursue
a broad spectrum of investment objectives, including long-term growth of capital
and current income. Using a potential combination of annuities, IRAs, employer-
sponsored retirement plans and other strategies, we can help you plan for finan-
cial independence and long-term security.
We work with your
attorney and/or tax advisor to help design an effective estate plan incorporating
your financial objectives. We offer strategies to help you conserve your assets
and protect your estate from some of the federal and state tax obligations that
may apply. Such strategies include trusts, gift tax strategies and life insurance.
We also assist you with the coordination or restructuring of insurance policies,
early inheritance, spousal support and overall investment strategies.
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he right financial professional and the right financial strategy can be critical
to your ongoing business success. With your business performance in mind, your
Paramount Planning Group financial professional can help you meet your needs
for asset accumulation, distribution and protection.
We are a “back office” to your operation. Whether your objectives are providing
meaningful, cost-effective benefits for employees and key executives or
optimizing tax advantages, we offer an expansive array of innovative services
and products to help fund various programs, including:
Employee Benefit Plans, Pension and 401(k) Implementation — To
demonstrate a commitment to employees, such as offering a qualified
retirement plan and life insurance, a successful benefits package can provide
protection, security and preparation for life events. We can help you decide which
benefits to offer and implement them to help you succeed in recruiting
— and keeping — the best employees.
S O P H I S T I C A T E D B U S I N E S S P L A N N I N G S E R V I C E S
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Business Succession Planning — Helping to ensure that the company
can survive the departure or death of the owner(s) or a key employee adds long-
term value to a growing business. We offer a variety of strategies and products,
including life insurance to help address the loss of a key person,
buy-sell agreements and stock redemption funding.
Employee Financial Planning and Seminars — Access to financial planning, as an
employer-sponsored benefit, is an innovative and increasingly popular program.
As an employer, it can help you to reward key executives, retain employees,
boost participation in other company benefits, and enhance employee morale
and productivity — all with potential overall cost savings to your business.
Additionally, we offer no-obligation educational seminars to employees.
Executive Benefit and Deferred Compensation Plans — Designed to help recruit,
reward and retain valued employees, executive benefit and deferred compensa-
tion plans can also provide valuable tax advantages to your business.
We are experienced in the implementation of benefits, including bonus plans,
cost-sharing plans, deferred compensation plans and other nonqualified
retirement plans.
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I N T E G R A T E D S T R A T E G I E S F O R B U S I N E S S O W N E R S
ike many business owners, your business and personal financial needs may
be closely intertwined. Your Paramount Planning Group financial professional can
help you develop and execute an integrated approach designed to help you meet
both your personal and business financial objectives.
These include:
�IRAs
�Mutual funds
�Variable annuities
�Pension payout alternatives
�Life insurance
�Estate planning strategies
A well-structured plan of action can help you take control of your financial life so
that you can feel more confident about meeting your goals. And, since even the
best plans can’t anticipate all the things that can happen in the future, you can
call on your PPG financial professional periodically to help you review your
progress toward your goals and adjust your strategy to changing circumstances.
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MAKING A DIFFERENCE IN CLIENTS’ L IVES AND THE COMMUNITY
ur commitment to you is demonstrated by our dedication to our clients,
our community and our profession. Because you have a lifetime of financial goals
and objectives, we concentrate on building long-term relationships. And, as time
goes by, you can count on us to be there to help you deal with the inevitable
changes that are a part of life and to make sure that you stay on track to meet
your objectives.
As the leading group of financial professionals associated with the AXA Advisors
organization, Paramount Planning Group members are ready to offer the
highest level of innovative, professional and quality service and expertise to
our clients. What’s more, we understand the importance of staying on the
“cutting edge.”
Our members are among the first to adopt new technology, including innovative
services and customized software. We continuously evaluate and upgrade our
systems, and we continue to enhance our knowledge and expertise, so we’ll be
able to offer you the latest strategies, products and support — ensuring that
your needs are met on all levels.
Furthermore, many PPG financial professionals are civic-minded leaders who play
an active role in various charitable organizations on both a local and national
level. To support our efforts, the AXA Foundation, the philanthropic
arm of AXA Financial, Inc., contributes to charitable organizations nationwide
to meet the needs of the communities in which our members and their clients
live and work.
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B A C K E D B Y A G L O B A L F I N A N C I A L S E R V I C E S P R O V I D E R
n addition to a one-on-one relationship, Paramount Planning Group
members can offer you the extensive capabilities of a premier financial services
organization. A subsidiary of AXA Financial, Inc., AXA Advisors has a dedicated
network of financial professionals across the country.
AXA Financial is the U.S. member of the global AXA Group, one of the world’s
leading financial services providers. AXA Group and its companies have a
long-standing history of providing insurance and investment strategies worldwide.
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W I T H A S T R O N G F A M I L Y O F B R A N D S
hrough its strong family of brands, AXA Financial provides diversified
financial management and advisory services to individual, institutional
and corporate clients.
The companies and affiliates of AXA Financial are established leaders in
the financial industry. They include:
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AXA Distributors, LLC.
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AXA Advisors, and its affiliates and associates, do not provide legal or tax advice. AXA Advisors, AXA Network and AXA Equitable are affiliated companies.
Paramount Planning Group is a division of AXA Advisors, LLC
Securities offered through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment advisory products and services offered through AXAAdvisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products, including those of AXA Equitable Life Insurance Company (AXAEquitable), offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network InsuranceAgency of California, LLC and in Utah as AXA Network Insurance Agency of Utah, LLC
© 2008 AXA Equitable Life Insurance Company. All rights reserved.
1290 Avenue of the Americas, New York, NY 10104, (212) 554-1234
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ParamountP L A N N I N G G R O U P
a division of AXA Advisors, LLC
Del iver ingI N N O V A T I V E S T R A T E G I E S
for Your Needs
PPG-56000 (8/10) Cat. #129920 (8/10)
G24
911
19545_PPG cover QX7.crw3.qxp:62555_PPG cover 9/7/10 11:24 PM Page 1