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SMG FINANCIAL ADVISORS about us Ken Svoboda Managing Director Brian D’Aprile CIO Tom Carmody Financial Advisor Rob McDaniel Financial Advisor SMG Financial Advisors Svoboda Legal The Svoboda McDaniel Group Kathy Svoboda Attorney Clients of SMG Financial Advisors are under no obligation to utilize the services of The Svoboda McDaniel Group or Svoboda Legal. Accounting, tax, and legal service providers should be chosen after careful consideration. These separate entities are only shown to illustrate the availability of a holistic approach to solving your financial needs. The Svoboda McDaniel Group and Svoboda Legal are completely separate entities from each other and from SMG Financial Advisors. None of the firms receive or pay any referral fees for client referrals and any client information shared between the firms requires prior client approval.
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S M G F I N A N C I A L A D V I S O R S
REDEFININGwealth management
S M G F I N A N C I A L A D V I S O R S
• do you have any immediate financial issues that concern you?
• have you thought about your longer term financial goals?
• what is your past experience with financial advisors?
• what is your personal knowledge of investing?
• how did you hear about us?
• any other thoughts you want to express before we start?
what brought you here today?these questions will help focus today’s discussion
S M G F I N A N C I A L A D V I S O R S
about usKen
SvobodaManaging Director
BrianD’Aprile
CIO
TomCarmody
Financial Advisor
RobMcDaniel
Financial Advisor
SMG FinancialAdvisors
Svoboda Legal
The Svoboda McDaniel Group
KathySvoboda
Attorney
Clients of SMG Financial Advisors are under no obligation to utilize the services of The Svoboda McDaniel Group or Svoboda Legal. Accounting, tax, and legal service providers should be chosen after careful consideration. These separate entities are only shown to illustrate the availability of a holistic approach to solving your financial needs. The Svoboda McDaniel Group and Svoboda Legal are completely separate entities from each other and from SMG Financial Advisors. None of the firms receive or pay any referral fees for client referrals and any client information shared between the firms requires prior client approval.
S M G F I N A N C I A L A D V I S O R S
our services
ConciergeAdvice℠
“these eight uniqueaspects of our
program representthe eight
principal pointson a compass”
1independen
t 2fiduciary
3comprehensiv
e
4team
concept
5conflict free6
exclusive
7charitable
8affordable
S M G F I N A N C I A L A D V I S O R S
• we are 100% independent
• operated by the founders and owners who all serve as advisors
• no home office directing our operations
• all decisions made locally by the management team
• compare that to Merrill Lynch, Ameriprise, Edward Jones, Raymond James, etc.
independent1
S M G F I N A N C I A L A D V I S O R S
• we have chosen to be organized and licensed as registered investment advisors
• fiduciary: an advisor who must place the client’s interests ahead of their own in all matters
• contrast that with a registered representative
• suitable: the recommendation must fit the circumstances
fiduciaries2
S M G F I N A N C I A L A D V I S O R S
ConciergeAdvice℠ includes the five pillars of financial planning
comprehensive3
retirementplanning
investmentplanning
taxplanning
insurancerisk mngt
estateplanning
1 5432
S M G F I N A N C I A L A D V I S O R S
• we utilize a “team concept” to serve all of our ConciergeAdvice℠ clients:
1. Investment Committee
• this committee meets monthly to manage and assess the portfolios and their holdings
2. Client Case Review Team
• this team meets weekly to review all open client cases and gather input utilizing the individual areas of expertise from all advisors
team concept4
S M G F I N A N C I A L A D V I S O R S
conflict free512b-1 fees
com-mis-sions
AUM
no 12b-1
charity
we invest too
flat fees
Typical AdvisorConciergeAdvice
S M G F I N A N C I A L A D V I S O R S
• it’s vitally important to our founders and employees that we never grow too large where our service to our clients suffer
• we have therefore committed to closing our practice at a total of 450 ConciergeAdvice℠ clients
• limiting the number of available opportunities to become ConciergeAdvice℠ clients is a model that achieves a healthy balance of firm growth and exceptional client service, illustrating our commitment to making client service a priority
exclusive6
S M G F I N A N C I A L A D V I S O R S
charitable7 • insurance plays a role for many clients
• however, the industry is designed around the commission model and we are dedicated to removing all conflicts of interest
• to that end, we are committed to a philanthropic goal of eventually donating 100% of all insurance profits to charities chosen by our clients
total number of
clients
percent donated to
charityup to 150 25%
150 to 300
50%
over 300 100%
S M G F I N A N C I A L A D V I S O R S
affordable8 • we have priced the ConciergeAdvice℠ model to be affordable for those just starting out and to be extremely cost competitive to those clients already working with a conventional advisor:
Builder Plan℠ Foundation Plan℠
Investable Assets up to $350k over $350kMonthly Fee $100 $300
Investable assets include all investment accounts, IRAs, and employer plan accounts such as 401(k), 403(b), 457, TSP, etc. The assets do not have to be managed by our firm to count as an investable asset. The same monthly fee applies to individuals and married couples.
The builder plan is affordable for those clients who are just starting out or may not even meet the conventional minimum account size of typical
advisors (often as high as $200,000-250,000). We have no minimum client account requirement.
The foundation plan is competitively priced as $3,600 a year or $300 a month. A conventional advisor typical charges 1.00-1.20% a year. For a
client with just $500,000, that equals $5,000-6,000. Large clients can save much more!
S M G F I N A N C I A L A D V I S O R S
ANY QUESTIONS?©Copyright 2016 SMG Financial
Advisors LLC. All rights reserved. The SMG Financial Advisors name and
logo, and the ConciergeAdvice, Builder Plan, and Foundation Plan
names are unregistered trademarks of SMG Financial Advisors LLC.
The information, data, analyses and opinions presented herein do not constitute investment advice; are provided solely for informational
purposes, and therefore are not an offer to buy or sell a security; and are not warranted to be correct, complete
or accurate. The opinions expressed are as of the date written and are subject to change without notice,
except as otherwise required by law. SMG Financial Advisors shall not be
responsible for trading decisions, damages or other losses resulting
from, or related to, the information, date, analyses or opinions or their
use. The information contained herein is the proprietary property of SMG Financial Advisors and may not be reproduced, in whole or in part, or
used in any manner, without the prior written consent of SMG Financial
Advisors.
S M G F I N A N C I A L A D V I S O R S
• minimize costs
• utilize in-house stock research and low cost index exchange traded funds (ETFs)
• no active mutual funds - why pay your financial advisor and a mutual fund manager?
• dynamic rebalancing (historic return boost of 0.59%* annually)
• Modern Portfolio Theory
• Nobel Prize winning research that aids in determining the proper asset allocation that maximizes return for a given level of risk
• value investing focus
• disciples of Warren Buffett & Benjamin Graham
how we invest
* Past performance may not be indicative of future performance. The dynamic rebalancing projection may not deliver the additional return as indicated by its past success and there is no guarantee of how it will affect the returns of client accounts.
S M G F I N A N C I A L A D V I S O R S
modern portfolio theorythe efficient frontier
Risk
Retu
rn constant risk level with varying returnsconstant
return level with varying
risk
Efficient Portfolios
Inefficient Portfolios
S M G F I N A N C I A L A D V I S O R S
our portfoliosthe efficient frontier
Risk
Retu
rn
Preservation Portfolio
Balanced Portfolio
Aggressive Growth PortfolioGrowth Portfolio
Conservative Portfolio
S M G F I N A N C I A L A D V I S O R S
our portfolio allocationsFolio Preservation
PortfolioConservative
Portfolio Balanced Portfolio Growth Portfolio Aggressive Growth Portfolio
large u.s. stock 10% 15% 27% 30% 35%mid/small u.s. stock 8% 10% 15% 20%foreign stock 5% 8% 8% 7.5% 12.5%u.s. bonds 35% 30% 20% 15% 5%inflation indexed bonds 15% 20% 15% 10% 5%
high yield bonds 5% 5% 5%foreign bonds 5% 5% 5% 5% 5%real estate 2.5% 2% 2.5% 5% 5%alternative investments 2.5% 2% 2.5% 2.5% 2.5%cash & cash equivalents 25% 10% 5% 5% 5%
S M G F I N A N C I A L A D V I S O R S
• low cost
• research-based, academic, optimized portfolios
• scalable, manageable, understandable
• proven rebalancing strategy
• we have investments in exactly the same securities
our investment managementadvantages
S M G F I N A N C I A L A D V I S O R S
ANY QUESTIONS?©Copyright 2016 SMG Financial
Advisors LLC. All rights reserved. The SMG Financial Advisors name and
logo, and the ConciergeAdvice, Builder Plan, and Foundation Plan
names are unregistered trademarks of SMG Financial Advisors LLC.
The information, data, analyses and opinions presented herein do not constitute investment advice; are provided solely for informational
purposes, and therefore are not an offer to buy or sell a security; and are not warranted to be correct, complete
or accurate. The opinions expressed are as of the date written and are subject to change without notice,
except as otherwise required by law. SMG Financial Advisors shall not be
responsible for trading decisions, damages or other losses resulting
from, or related to, the information, date, analyses or opinions or their
use. The information contained herein is the proprietary property of SMG Financial Advisors and may not be reproduced, in whole or in part, or
used in any manner, without the prior written consent of SMG Financial
Advisors.
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