WWW.AAMLLC.COM

Plan for your goals, Manage your resources, and Maximize your financial potential

4555 Wilson Ave SW-Ste 2Grandville, MI 49418

If you choose us, what can you expect?

• The best service + a competitive cost structure = unparalleled value

• We will work to keep you and your family as clients for life

• When you call we will do our best to have a person answer. If you leave a message, we will get back to the same day if possible.

• We will manage your money according to your investment objectives.

• We will offer intelligent strategies for your situation.

• Advanced strategy and wealth planning.

• What other expectations do you have of your financial advisor?

In short we want you to become a “Raving Fan” of Advanced Asset Management, LLC

70% are Accumulators and Pre-Retirees

30% are Seniors and Retirees

15% Business Owners & Self-Employed

Who are our clients?

S Security Through Risk Management Planning

E Education Planning

C Cash Management, Savings, Credit & Debt Planning

U Ultimate disposition through Estate Planning

R Retirement Planning

I Investment Planning

T Tax and Business Planning

Y Yearning for and Reaching Financial Independence

Overview of a Comprehensive Financial Plan

ComprehensiveFinancial

PlanYour

Goals

Comprehensive Financial Planning Services Available to Clients

Asset Management / Investment Planning• Comprehensive Asset Management• Asset Allocation Analysis • Access to Institutional Portfolio

Management• Company Retirement Plan (401k)

Management and Rebalancing

Estate Planning• Assess the need for wills, trusts, power

of attorney documents• Strategies to leverage your estate and

reduce taxes and probate expenses• Charitable giving strategies• Capital transfers• Inheritance management

Income Tax Planning• Strategies to minimize personal income

taxes• Strategies to minimize the taxation of

your investment portfolio• Strategies to prevent bracket creep

now and in the future

Business Planning• Tax reduction strategies for Business

Owners• Business organization ideas (S-Corp vs.

LLC, etc…)• Review group health and other benefits• Strategies to pass business to heirs• Review and implement of retirement savings

plans (401k, SIMPLE, etc..)• Non-qualified executive savings plans

Protection Planning / Risk Management• Evaluation of your needs to make sure

you are neither under or over insured• Review of existing coverages to make

sure it suits your needs and objectives• Includes Life, Disability, Health,

Medicare Supplements and Long-Term Care Ins.

Retirement Planning• Qualified Plan Rollovers and

management• IRA distribution strategies• Social Security Maximization• Pension calculation and maximization• Ongoing analysis of needs and progress

Financial Planning Process

First MeetingInitial Consultation

No Charge

Second MeetingInformation Discovery

Agreement and Retainer For Services

Third MeetingPresentation &Implementation

ReviewsQuarterly, Annually

Or as needed

Advanced Professional TeamFinancial Planner-Advisor

Attorney, Accountant,Wealth Manager, Mortgage Consultant

Cloud Access to Planning

Recommended Plan

Retirement Age

Goals(Total Spending for Life of Plan)

JohnAnn

6565

Recommended Plan

Retirement Age

Goals(Total Spending for Life of Plan)

JohnAnn

6565

$2,479,7855% < Ideal

Current Plan

Retirement Age

Goals(Total Spending for Life of Plan)

Savings Investment

JohnAnn

6464

$2,615,000 $18,000 44% Stock $850,000

Recommended Plan

Retirement Age

Goals(Total Spending for Life of Plan)

Savings

JohnAnn

6565

$2,479,7855% < Ideal

$22,805

Recommended Plan

Retirement Age

Goals(Total Spending for Life of Plan)

Savings Investment

JohnAnn

6565

$2,479,7855% < Ideal

$22,805 55% Stock $850,000

Cash Reserve Planning

Primary Cash ReservesLocal Checking / Savings3 to 6 months of Committed Expenses

Secondary Cash ReservesBrokerage invested into Short-term Corporate Bonds or Treasury Bonds3 to 5 years of Committed Expenses

Long-Term InvestmentsBrokerage invested into a Strategic and/or Tactical Investment StrategyAssets over and above 5 years

Strategies could be within retirement plans if dollars can be withdrawn without penalty.

Goal:Increase Yield

(earnings)With minimal loss

Of liquidity(keep it available)

Accumulation

Distribution

Manage 401k

Using gotomeeting.com

You Me

401k Website

Access together using gotomeeting.com

or meet & complete

together

Sharefile

Secure online document storage & file sharing

You Me

Sharefile

• Tax returns• 401k statements• Quarterly reports

Retirement timeline

• When to draw social security?

• How to minimize taxes at retirement?

• How much to draw without running out?

• Where to draw income with minimized taxes?

• Will social security be taxed? How much?

• Health insurance in retirement?

With a plan, you’re likely to discover that:

RetirementLifestyle

• While you might not be as well-off as you’d like . . .

• You’re usually better-off than you feared

• And, with some good planning, you can be OK.

How Do You Want To Do Business?

Traditional Commission Sales

Transaction Based

Many Products

Many Commission Schedules

“Suitable” Standard

Fee-Only

Ongoing Advice

Fees are flexible based on the workTo be completed

Fees calculated by the project, hour, Or as a % of assets under management

Reduces Possible Conflicts of Interests

“Fiduciary” Standard

You receive a competitive cost structureThrough our relationships

Advantage : Service after accounts are open isEssential to keeping your business. Investment

Advisory fees may be tax deductible

Investment ManagementLocal and National Investment Managers

Allows for Asset Diversification and Strategy Diversification

Our relationships and alliances allow you Complete accessibility, total flexability,

And unparalleled mobility to the investment world

Charles Schwab & Co.1. No Cost Mutual Fund Transaction Fees (thousands of funds

available, no costs to sell as long as funds are held 90+ days)

2. Stock and ETF Trades @ $19.95 / trade with paper mailings, $8.95 if you signup for econfirms and statements.

3. No IRA Custodial Fees (some custodians charge $10 to $50 per year)

4. No Cost Checking and Visa Debit Cards5. No Cost Online Access through www.Schwab.com6. Asset Based Fees Can Be Deducted Directly From Your

Account or Paid By Check if You Wish

Cash, Money Market, CD’s, Mutual Funds, Exchange Traded Funds, Individual Stocks, Unit Investment Trusts

Schwab One Brokerage, Roth IRA, Traditional IRA, Rollover IRA, SEP’s, SIMPLE’s, 401k’s, Other Retirement Plans

Storage

Alternative Assets

REIT’s

Rental Property

Equipment Leasing

Managed Futures

Commodities

Apartments, Office Buildings

Oil & Gas