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Global&Career&&Development&Opportuni3es&
!India!Fall!2014!!
Marguerita!M.!Cheng,!CFP®!Sameer!S.!Somal,!CFA,!CFP®!
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“Not% everything% that% can% be% counted% counts,%and% not% everything% that% counts% can% be%counted.”%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Albert%Einstein%[1879%–%1955]�
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Blue&Ocean&Global&Wealth�
• The! supply! and! demand! imbalance! of! quality! financial!planning!advice.!
• Lack! of! global! professional! and! intellectual! development!!!!!!!opportuniIes! for! today’s! graduates! and! tomorrow’s!!!!!!!!industry!leaders.!
• A! maturing! financial! advisor! demographic! that! merits! an!!!!!!!!innovaIve!partnership!soluIon.!!
• Interdependence! of! our! global! supply! chain! with! respect!!!!!!!!to!technology,!communicaIon,!and!human!capital.!
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Our&Culture�
Integrity!
InnovaIon!
Stewardship! CollaboraIon!
Diversity! EducaIon!
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Our&Purpose�
• Time!
• EducaIon!
• Contextual!Intelligence!
• Informed!Decisions�
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The&Brave&New&World&The&recent&financial&crisis&con3nues&to&reshape&the&investment&industry&
The!global!financial!crisis!and!the!recession!and!legislaIon!it!spawned!placed!an! exclamaIon! mark! on!Wall! Street’s! characterisIcally! tumultuous! hiring!cycles.!!During! the! financial! bull! market! that! ended! in! 2008,! the! world’s! leading!financial!insItuIons!combed!U.S.!campuses!to!recruit!hundreds!of!students!each!into!summer!internships!and!permanent!entryRlevel!jobs.!Global!banks!courted!top!students!with!lavish!dinners,!gave!them!weeks!to!respond!to!a!job!offer,!and!might!even!hire!a!soughtRaVer!candidate’s!spouse!to!help!ease!the!stress!of!relocaIng.!Students!who!possessed!top!grades,!extracurricular!leadership! roles! or! Wall! Street! internship! experience! could! expect! offers!from!as!many!as!seven!or!eight!banks.!!The! crisis! upended! that! happy! situaIon.! Beyond! sweeping! away! topRIer!names!like!Lehman!Brothers!and!Bear!Stearns,!it!also!wiped!out!hundreds!of!thousands!of!bankers’!jobs!as!every!insItuIon!on!the!Street!slashed!payrolls!to!avoid!the!same!fate.!For!awhile,!major!banks!gave!the!cold!shoulder!to!campus!applicants!too.!!Now! that! the! industry! is! regaining! financial! strength,! career! opportuniIes!face! fresh! challenges! (along! with! some! fresh! opportuniIes! in! sectors!including! compliance,! law! and! public! service)! stemming! from! the! crisis’s!poliIcal!aVershocks!–!primarily,! the! farRreaching!congressional!overhaul!of!bank!regulaIon!known!as!the!DoddRFrank!Act!of!2010.�
All!of!this!translates!into!fewer!job!and!internship!opportuniIes!within!Wall!Street’s! most! avidly! pursued! niches,! investment! banking! and! trading.! For!one!thing,!the!number!of!large!employers!has!shrunk.!The!disappearance!of!Lehman!Brothers!and!Bear!Stearns!during!2008!leaves!just!five!U.S.!“bulgeRbracket”! banks,! where! there! had! been! seven.! A! third! bulgeRbracket!insItuIon,!Merrill!Lynch,!was!acquired!by!Bank!of!America.!
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Key&Takeaways�
1. Invest!In!Your!Professional!Self!!2. AcIvely!Contribute:!Your!Community!!3. Become!A!Mentor!&!Mentee!4. Invest!In!Your!Personal!Self!5. Develop!RelaIonship!Capital!!
“We%make%a%living%by%what%we%get,%we%make%a%life%by%what%we%give.”%%%%%%%%%%–Winston%Churchill%[1874%–%1965]%
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Disciplines&In&Finance�
• Investment!Banking!
• Private!Equity!
• Corporate!Finance!
• Asset!Management!!!• Financial!Planning!
• UnderwriIng!!• Sales!&!Trading!
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1.&Invest&In&Your&Professional&Self&&
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CFA&Program�
The! CFA! Program! is! a! globally! recognized,!graduate! level! curriculum! that! provides! a!strong! foundaIon! of! realRworld! investment!analysis! and! poreolio! management! skills!along!with! the! pracIcal! knowledge! needed!in! today’s! investment! industry.! It! also!emphasizes! the! highest! ethical! and!professional!standards.�
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The&CFA&Charter�
“Among% the% countless%finance%degrees%around% the%world,% the%Chartered%Financial%Analyst%qualificaMon%has%become%the%gold%standard.”%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Financial%Times,%13%August%2010%
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CFA&Code&of&Ethics�
•!Act!with!integrity,!competence,!diligence,!respect,!and!in!an!ethical!manner!with!the!public,!clients,!prospecIve!clients,! employers,! employees,! colleagues! in! the!investment! profession,! ! and! other! parIcipants! in! the!global!capital!markets.!!
•!Place!the!integrity!of!the!investment!profession!and!the!interests!of!clients!above!their!own!personal!interests.!!
•! Use! reasonable! care! and! exercise! independent!professional! judgment! when! conducIng! investment!analysis,! making! investment! recommendaIons,! taking!investment! acIons,! and! engaging! in! other! professional!acIviIes.!!
•! PracIce! and! encourage! others! to! pracIce! in! a!professional!and!ethical!manner!that!will!reflect!credit!on!themselves!and!the!profession.!!
•! Promote! the! integrity! of! and! uphold! the! rules!governing!capital!markets.!!
•!Maintain! and! improve! their! professional! competence!and! strive! to!maintain! and! improve! the! competence! of!other!investment!professionals.!
"Honesty%is%the%first%chapter%in%the%book%of%wisdom.“%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Thomas%Jefferson%[1743%–%1826]%%
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CFA&Statement&of&Investor&Rights�
1.!Honest,!competent,!and!ethical!conduct!that!complies!with!applicable!law!
2.!Independent!and!objecIve!advice!and!assistance!based!on!informed!analysis,!prudent!judgment,!and!diligent!effort!!
3.!My!financial!interests!taking!precedence!over!those!of!the!professional!and!the!organizaIon!!
4.!Fair!treatment!with!respect!to!other!clients!!
5.!Disclosure!of!any!exisIng!or!potenIal!conflicts!of!interest!in!providing!products!or!services!to!me!!
6.!Understanding!of!my!circumstances,!so!that!any!advice!provided!is!suitable!and!based!on!my!financial!objecIves!and!constraints!!
7.!Clear,!accurate,!complete!and!Imely!communicaIons!that!use!plain!language!and!are!presented!in!a!format!that!conveys!the!informaIon!effecIvely!!
8.! An! explanaIon! of! all! fees! and! costs! charged! to! me,! and! informaIon! showing! these! expenses! to! be! fair! and!reasonable!!
9.!ConfidenIality!of!my!informaIon!!
10.!Appropriate!and!complete!records!to!support!the!work!done!on!my!behalf!
When&engaging&the&services&of&financial&professionals&and&organiza3ons,&I&have&the&right&to:&
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CFA&Background�
• 90,000! CFA! charterholders! working! in!over!135!countries.!
• Regulatory! bodies! in! 19! countries!recognize!the!CFA!charter!as!a!proxy!for!meeIng!certain!licensing!requirements.!
• First! introduced! in!1963,! the!Chartered!Financial! Analyst®! designaIon,! or! CFA!charter,! has! become! the! most!respected! and! recognized! investment!credenIal!in!the!world.!
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CFA&Curriculum&Partnership�
More!than!125!disInguished!colleges!and!universiIes!around!the!world!have!incorporated!a!majority!of!the!CFA!Program!curriculum!into!their!own!courses,!including:!!!• University!of!Oxford’s!Saïd!Business!School!
• New!York!University!
• INSEAD!
• Peking!University!
• Nanyang!Technological!University!
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CFA&Candidate&Exams�
• Earning! the! CFA! charter! demonstrates!mastery! of! the! skills! most! needed! for!investment! analysis! and!decisionRmaking!in! today’s! fastRevolving! global! financial!industry.!
• Program!organized!into!three!levels,!each!culminaIng!in!a!sixRhour!exam.!
• Most!successful!candidates!between!2!to!5!years.!
• Hundreds!of!hours!of!study.!
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CFA&Topic&Weights�
Topic&Area Level&I Level&II Level&III Ethical(and(Professional(Standards((total) 15 10 10 Investment(Tools((total) 50 30U60 0 %%%%%%%%%%%Corporate%Finance 8 5R15 0 %%%%%%%%%%%Economics 10 5R10 0 %%%%%%%%%%%Financial%ReporMng%and%Analysis 20 15R25 0 %%%%%%%%%%%QuanMtaMve%Methods 12 5R10 0 Asset(Classes((total) 30 35U75 35U45 %%%%%%%%%%%AlternaMve%Investments 3 5R15 5R15 %%%%%%%%%%%DerivaMves 5 5R15 5R15 %%%%%%%%%%%Equity%Investments 10 20R30 5R15 %%%%%%%%%%%Fixed%Income 12 5R15 10R20 Por:olio(Management(and(Wealth(Planning((total) 5 5U15 45U55
Total 100 100 100&
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CFA&Pass&Rates�
Year� Total&� %&Pass��
1963R2013� 1,833,021� 46%�
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The&CFP®&Program�
The!rigorous!competency,!ethics!and!pracIce!standards!established!and!enforced!by!CFP!Board!have!allowed!the!CFP®!cerIficaIon!marks!to!become!recognized!as!the!standard!of!excellence! in! personal! financial! planning.! Earning! and! displaying! the! CFP®! marks!demonstrates!a!commitment!to!a!career!in!financial!planning.!CFP®!Professionals!pledge!to!uphold!the!fiduciary!standard!when!delivering!financial!planning!services.!
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CFP®&History�
• In!1973,! the!first!class!of! the! InsItute!of!CerIfied! Financial! Planners! (ICFP)!graduated!35!members.!!
• With! approximately! 140,000! CFP®!professionals!around!the!globe!dedicated!to! providing! quality! financial! planning!advice,! today,! more! than! ever,! CFP®!professionals!are!in!demand.!
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CFP®&Cer3fica3on�
CFP®!professionals!have!saIsfied!the!following:!!• 1000!hours!of!extensive!study!
• Passed!a!comprehensive!2Rday!exam!
• Subject!to!ConInuing!EducaIon!(CE)!requirements!!!!!!!]30%Credits%every%2%years%
• Held!to!highest!ethical!standards!
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CFP®&Cer3fica3on�
Educa3on:& CFP®! professionals! must! develop! their! theoreIcal! and! pracIcal! financial!planning! knowledge! by! compleIng! a! comprehensive! course! of! study! at! a! college! or!university! that! offers! a! financial! planning! curriculum! approved! by! CFP! Board.! CFP®!professionals! are! required! to! complete! 30! hours! of! conInuing! educaIon! (CE)! every! two!years.!!!Experience:&CerIfied!Financial!Planner™!professionals!must!have!a!minimum!of!3!years!experience! in! financial! planning! prior! to! earning! the! right! to! use! the! CFP®! cerIficaIon!marks.! This! handsRon! experience! guarantees! that! CFP®! professionals! have! pracIcal!financial!planning!knowledge,!so!you!can!depend!on!them!to!help!you!develop!a!realisIc!financial!plan.!!!Examina3on:! CFP®! professionals! must! pass! the! comprehensive! twoRday! CFP®!CerIficaIon! Exam.! It! tests! their! ability! to! apply! financial! planning! knowledge! to! realRlife!situaIons.!The!exam!covers!the!financial!planning!process,!tax!planning,!employee!benefits!and! reIrement! planning,! estate! planning,! investment! management,! and! insurance.! The!average!pass!rate!for!this!difficult!exam!is!only!56%.!!Ethics:& &When! it! comes! to! ethics! and!professional! responsibility,! CFP®!professionals! are!held! to! the!highest!of! standards.!CFP!Board’s!Code!of!Ethics!outlines!CFP®!professionals’!obligaIons! to! principles! of! integrity,! objecIvity,! competence,! fairness,! confidenIality,!professionalism,!and!diligence.!The!Rules!of!Conduct!require!CFP®!professionals!to!put!your!interests!above! their!own!and! to!deliver! their!financial!planning!services!as!a!“fiduciary,”!acIng!in!the!best!interest!of!their!financial!planning!clients.!!
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CFP®&Curriculum�
One! of! the!main! advantages! that! the! CFP! designaIon! offers! is! the! ability! for! a! financial!professional! to! focus!and!understand!how!what!he!or!she!does!fits! into!a!client's!overall!financial! situaIon.! Stockbrokers,! financial! advisors,! insurance! agents,! tax! professionals,!mortgage! loan! officers,! and! bank! &! trust! officers! all! benefit! from! araining! the! CFP!designaIon.!!The!exam!covers!five!main!components:!!!1.!General!Principles!!2.!Insurance!!3.!Investments!!4.!Income!Tax!!5.!ReIrement!!6.!Estate!Planning!
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CFP®&Professional&Focus�
• Financial! planning! is! about! controlling!spending,! managing! credit,! reducing! taxes,!increasing!savings,!protecIng!family!wealth,!and!building!assets!for!the!future.!!
• This! process! entails! gathering! financial!informaIon,! evaluaIng! your! current!financial! status,! establishing! life! goals,! and!developing!a!strategy!to!help!you!achieve.!!
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The&Process�
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The&founda3on&of&the&financial&planning&client&experience&is&an&integrated&picture&of&your&financial&situa3on&and&life&goals&
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Insight.!!Clarity.!!Purpose.�
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2.&Ac3vely&Contribute:&Your&Community&
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Our&Public&Policy&White&Paper�
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Challenges&in&Search&of&a&&Meaningful&Opportunity�
• The!War!for!Talent!�• Inadequate!Development!Programs!
• PercepIon!of!top!finance!grads!
• Lack!of!Mentorship!
• Economics!of!Human!Capital!�
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Climbing&the&Ladder:&Career&Challenges&in&Finance&By&Kathleen&Brill&&&&&&&&
Beyond!rockRsolid!quanItaIve!and!analyIcal!skills,!moving!up!the!ladder!in!finance!takes!excellent!communicaIon!skills,!selfRconfidence!and!overall!management!abiliIes.!!Understanding! the! enIre! organizaIon's! acIviIes! and! goals! is! the! first! step,! before! focusing! on!future! strategies,! shareholder! value,! and! performance! benchmark.! "Finance! is! only! one! voice!among!many,"!says!Gary!Perlin,!CFO!of!the!World!Bank.!He!recommends!that! jobseekers!talk!to!people!outside!of!the!finance!division!and!to!be!enthusiasIc!about!the!business!going!on!around!you.!!Moving!up!also!means! taking!a! few!career! risks!by!working! in!areas! that!will!provide!a!broader!perspecIve!on!the!role!of!finance.!Gaining!exposure!to!the!kinds!of!decisions!made!in!a!variety!of!departments! or! organizaIons! helps! to! pave! the! way! for! more! challenging! leadership! roles! in!finance.!!Professor!Rohan!Williamson,!a!business!and!finance!professor!at!Georgetown!University,!says!the!importance!of!wellRrounded!thinking!is!something!he!tries!to!insIll!in!his!finance!students.!"!I!think!about!them!as!business!students,!not!the!finance!guy!that!you!can!lock!in!the!back!room!with!a!calculator,"!Williamson!says.!"The!ones!that!end!up!being!in!upper!management!are!the!ones!that!can!do!a!bit!of!everything."�
hrp://www.nyImes.com/2008/06/23/educaIon/23careers.html?_r=0�
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Develop&Rela3onships�
Establish! credibility,! forge! friendships,! and! collaborate! with! an! expansive! group! of!community!leaders,!industry!professionals,!and!professors.!�
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“������� �a � ����� ��� ������ ���� ���������� ��� � ������ ������� ����� � � �����������������”%%%%%%%%%%%%!��������������� ���!�������
3.&Become&a&Mentor&&&Mentee&
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Servant&Leadership:&&Mentor&Students&&&Young&Professionals&�
“EvaluaIng! and! coaching! are! great,! but! building! selfRconfidence!is,!in!the!end,!probably!the!most!important!thing!you!can!do.”!%
%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%!Jack%Welch 1935%]%Present���
Servant!leadership!represents!great!leadership.!Approach!people!with!empathy;!help!everyone!succeed.!
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hrp://www.forbes.com/sites/halahtouryalai/2012/08/08/oneRofRtheRfastestRgrowingRcareersRisRinRdesperateRneedRofRyoungRtalent/?utm_campaign=forbestwirersf&utm_source=twirer&utm_medium=social!!!!!!!!!!!�
One&Of&The&FastestUGrowing&Careers&Is&In&Desperate&Need&Of&Young&Talent�
By&Halah&Touryalai�
The! job! market! is! an! ugly! place! right! now! but! there’s! a! segment! of! the!financial!industry!in!desperate!need!of!young!talent.!!Finance! jobs! are! typically! associated!with!whiteRshoe! investment! banks! or!the! opaque! world! of! hedge! funds.! Everywhere! you! turn! though! there’s!another! report! about! job! cuts! on!Wall! Street! or! yet! another! hedge! fund!struggling! to! beat! the! market.! However,! there’s! one! financial! job! that’s!remained! secure! and! increasingly! relevant! in! today’s!market:! the! financial!advisor.!!“From! the!heights!of! the!most! frenzied!bull!markets,! to! the!depths!of! the!worst!bear!markets!even!as!other!professionals!within!the!same!industry!are!laid!off,!financial!advisors!today!who!are!compliance!clean,!who!generate!a!substanIve!amount!of!revenue,!have!the!most!secure!job!in!the!world,”!says!Danny!Sarch,!a!Wall!Street!recruiter!and!Forbes!contributor.!
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The&Opportunity�
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Expand&Your&Network�
Seeking!mentors!and!mentoring!other!young!people! is!a!criIcal!aspect!of!career!management!in!the!financial!services!industry:!!
• Mentoring!
• Career!opportuniIes!!
• Industry!trends!
• Firm!developments!and!current!events!
• Sources!of!technical!experIse!!!• CollaboraIon!to!help!others!!
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4.&Invest&In&Your&Personal&Self&
Balance!the!fundamental!importance!of!developing!technical!competency!with!culIvaIng!emoIonal!intelligence.!!
“An%investment%in%knowledge%always%pays%the%best%interest.”%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Benjamin%Franklin%[1706%–%1790]�
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Create&Your&Own&Luck�
“ Su c c e s s% d epend s% u pon% p r e v i o u s%preparaMon,% and% without% such% preparaMon%there%is%sure%to%be%failure.”%
%%%%%%%%%%%%%%%%%%%%%%%%%%%–Confucius%[550%BC%–%479%BC]%
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Employers&Value�
Tangible&!• A! track! record! of! academic! and!
professional!accomplishment!!
• A! related! major! such! as! financial!planning,! finance,! accounIng,! financial!engineering!or!economics!
• An! understanding! of! the! financial!planning!industry!
• Extracurricular! leadership! in! your!community!and!the!FPA!
Intangible&!• Likeability!and!charisma!
• Energy,!effort,!and!work!ethic!
• OrganizaIonal!skills!
• EmoIonal!intelligence!
• A!quiet!brand!of!confidence!
• Advanced!communicaIon!skills!!
• A! realisIc! aytude! about! success! and!adversity!
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5.&Develop&Rela3onship&Capital&&�
“A!recent!Harvard!Business!Review!arIcle!reports!that!the!quality!that!most!senior!execuIves!lack!is!empathy.!For!this!reason,!it! is!essenIal!that!all!of!us!understand!emoIonal! intelligence.!Simply!put,!emoIonal! intelligence!deepens!our!empathy,!our!ability! to! sense! the! feelings!of!others.!Our!ability!to! uIlize! soV! skills! is! our! level! of! emoIonal!intelligence.”!!
!%]EmoMonal%Intelligence%Is%Key%To%Our%Success%%% % %By%John%Keyser%% % %Founder,%Common%Sense%Leadership%! ! ! ! !!
hrp://commonsenseleadership.com!
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The&4&Main&Skills&of&Emo3onal&Intelligence&
&�• SelfUawareness! –! our! ability! to! perceive! our!
emoIons!and!understand!our!tendencies!to!act!in!certain!ways!in!given!situaIons!
• Social& awareness! –!our! ability! to!understand! the!emoIons!of!other!people,!what!they!are!thinking!and!feeling!
• SelfUmanagement! –! our! ability! to! use! awareness!of! our! emoIons! to! stay! flexible! and! direct! our!behavior!posiIvely!and!construcIvely!
• Rela3onship&management!–!our!ability!to!use!our!awareness! of! our! own! emoIons! and! those! of!others!to!manage!interacIons!successfully!
hrp://commonsenseleadership.com!
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How&Do&I&Develop&Rela3onship&Capital?&&�
Sameer’s!Personal!RelaIonship!Capital!Rules:!
1.! Prepare! your! 30! second! to! 2! minute! elevator!speech.!!
2.! Prepare! relevant! and! thougheul! quesIons! that!relate!to!the!event!you!are!arending,!current!events,!or!industry!trends.!!
3.!Focus!on!quality!rather!than!quanIty.!It!isn't!about!gathering! 20! business! cards,! rather! engaging! in!meaningful!conversaIon!with!a!select!few.!!!4.!Focus!on!quality!wriIng!rather!than!quanIty!email.!!
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Partnership�
Blue! Ocean! Global!Wealth! built! credibility,! forged! friendships,! and! collaborated!with! an!expansive! group! of! professors.! Sameer! then! conducted! phone! interviews,! scheduled!meeIngs,!and!worked!as!resource.!!�
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Leadership�
“EffecIve!leadership!is!not!about!making!speeches!or!being!liked;!leadership!is!defined!by!results!not!arributes.”!%
%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%!Peter%Drucker% �9�!200����
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Residency&Program�
Investment&Strategy&Cer3ficate�The! Investment!Strategy!Program! is!a!6R12!month!projectRbased!program!with! a! focus! on! poreolio! construcIon,! investment! due! diligence,! risk!management! consulIng,! and! intellectual! capital! to! educate! retail! and!insItuIonal!investors!in!our!target!markets.!!!Financial&Planning&Cer3ficate&The! Financial! Planning! Program! is! a! 6R12! month! projectRbased! program!with! a! focus! on! the! financial! planning! process,! differenIaIng! financial!planning! from! investment! management,! risk! management,! financial!literacy,!and!intellectual!capital!to!educate!retail!and!insItuIonal!investors!in!our!target!markets.!!!Global&Leadership&Cer3ficate&Please% Note:% The% Financial% Planning% &% Investment% Strategy% CerMficates% are% required%prerequisites%%The!Global!Leadership!Program!is!a!12R18!month! leadership!program!and!the!capstone!of! the!Blue!Ocean!Global!Wealth!Residency.!The!program!is!designed! to! mentor! and! empower! tomorrow’s! industry! leaders,! people!who! embrace! and! understand! the! global! economy! in! terms! of! social,!poliIcal,! and! industrial! trends.! AddiIonally,! the! program! affords! our!ExecuIve!Team!an!opportunity!to!evaluate!idenIfy!residents!we!feel!may!be!a!strong!longRterm!fit!within!the!Blue!Ocean!Global!Wealth!family.!
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Residency&Cer3ficate�
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The&Future�
"We% cannot% always% build% the% future% of% our%youth,% but% we% can% build% our% youth% for% the%future.“%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Franklin%D.%Roosevelt%[1882%–%1945]%
As! tomorrow’s! industry! leaders,! we! must!consciously!culIvate! the!next!generaIon!of!financial! planning! talent.! Our! career!development! programs! must! provide! a!plaeorm!for!us!to!grow!and!mentor!today’s!talented!students.!!
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The&Future�
"We% cannot% always% build% the% future% of% our%youth,% but% we% can% build% our% youth% for% the%future.“%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%–Franklin%D.%Roosevelt%[1882%–%1945]%
As! industry! leaders,! we! must! consciously!culIvate! the! next! generaIon! of! financial!planning! talent.! Our! career! development!programs! must! provide! a! plaeorm! to! help!today’s! ta lented! students! become!tomorrow’s!global!leaders.!!
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Ques3ons&and&FollowUup�
www.blueoceanglobalwealth.com�
Twirer:!@BlueOceanGW!!Facebook:!Blue!Ocean!Global!Wealth!!LinkedIn:!Blue!Ocean!Global!Wealth!!Blog:!hrps://www.blueoceanglobalwealth.com/blog/!!!
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Contact&Informa3on&�
Sameer!S.!Somal,!CFA,!CFP�!Chief!Financial!Officer!202.276.7589!ssomal@blueoceanglobalwealth.com!
www.blueoceanglobalwealth.com�
Marguerita!M.!Cheng,!CFP®!Chief!ExecuIve!Officer!301.502.5306!mcheng@blueoceanglobalwealth.com!
