build on what you’ve started

E S L I N V E S T M E N T S E R V I C E S F O R B U S I N E S S

wealth.what does it meanto your business?better cash flow.

stabil ity and growth.your future vis ion realized.

wealth means differentthings to different companies.

You are dedicated to creating stability and growth for employees, customers and shareholders. We are equally dedicated to the financial well-being of your business.

Where is your company today, and where do you want it to be tomorrow? Planning for succession, managing cash flow, dealing with complex tax issues — these are goals common to most organizations. We can craft tailored financial strategies for local businesses of every size and in all stages of development to help pursue goals for both the short and long term.

WHETHER YOU’RE AN ENTREPRENEUR WITH A NEW COMPANY OR THE HEAD OF A LONG-ESTABLISHED CORPORATION, YOU WORK HARD EVERY DAY TO BUILD ON YOUR COMPANY’S SUCCESS.

committed to the community s ince 1920

For nearly a century, ESL Federal Credit Union has been 100% invested in the success of our business community. The area’s largest locally owned financial institution, we were founded by the legendary George

Eastman and today have more than $5.6 billion in assets. Our exclusive commitment to the Greater Rochester area is shown through our efforts to give all in the region access to essential financial services and guidance

to build stability and achieve prosperity.

ESL Investment Services, LLC, is a wholly owned subsidiary of ESL Federal Credit Union. We have $250 million in assets under management and handle more than $900 million in brokerage assets.* We serve more than 15,000 clients with our team of 40+ employees. Headquartered in downtown Rochester, all of our decisions are made by local wealth management team members who live, work and play right here in our community.

*As of 10/31/16.

Success has many paths. The financial life of your business is about more than just turning a profit. It also involves ensuring that employees are happy and productive, that benefits are not a burden, and that you

have the right plans in place to minimize liability. We have many options for managing your business wealth. Our team will evaluate your situation and recommend sound strategies for you.

WEALTH MANAGEMENT

OUR COMPREHENSIVE WEALTH MANAGEMENT SERVICES INCLUDE:

• Comprehensive Financial Planning

• Advanced Estate Planning

• Investment Consulting

• Advanced Portfolio and Investment Analytics

• Tax-Sensitive Investing

• Alternative Investments

• Financial Windfall Planning

• Foundation and Endowment Guidance

STRATEGIC COLLABORATION AND PERSONAL SUPPPORT

Helping you effectively map the direction of your wealth is a collective key goal. Our team specializes in creating unique strategies that establish the way you want your money, assets and business managed for the future. We anticipate common issues, prepare for best results and are committed to helping you pursue success.

EXCEPTIONAL SERVICE AND COMMUNICATION

Delivering the highest level of service is of utmost importance to us. So we can address your needs, we encourage an open exchange of ideas and shared concerns when they arise. Based on your preferences, we also proactively reach out when opportunities present themselves or change happens to help you work toward growing and/or preserving your wealth.

DIVERSE RESOURCES AND EXPERTISE

To offer a truly dynamic approach to your investment and planning objectives, we provide a broad range of essential resources to tap when necessary. Our experienced team consists of financial professionals in the areas of investments and planning and insurance, along with our network of trusted specialists, including accountants, attorneys, and real estate and insurance professionals to support all facets of your wealth management needs. We can also collaborate with your existing network of experts who you have come to know and trust.

ready to build on your business wealth?

we’re here to help at all t imes.

in l ife and in business,change is constant.

confidence comes fromanticipating the unknown

and taking steps to be prepared.

From guarding against the loss of key personnel to providing for your family and business partners, insurance planning is an important part of every business’ overall wealth strategy. We offer access to specialized insurance products and can give you an unbiased assessment as to which ones best suit your needs.

INSURANCE PLANNING

SUCCESSION PLANNING

When you retire or become unable to work, the future of your business and employees can come into question. Succession planning arrangements help ensure a smooth transition between current and new business ownership.

DISABILITY INSURANCE

When you lose the ability to work and earn an income, lost wages could result in the need to use investments, savings or retirement assets to fund living expenses. For you as a business owner, the stakes are raised because your presence may be crucial to the company’s ability to operate. Disability insurance protects business and personal assets, providing comfort that all you worked so hard to build cannot be easily erased.

KEY PERSON INSURANCE

Protect your business from the adverse effects of losing important personnel — specifically employees with a particular expertise or who have earned credibility with customers, vendors or creditors. At death, the life insurance policy provides funds to help you recruit and train new staff, help replace lost profits, and strengthen the company’s balance sheet to help assure creditors and suppliers about the continuity of your firm.

EXECUTIVE BENEFITS

A tool you can use to attract, retain and reward key employees is non-qualified deferred compensation, an employer-provided plan that can be offered to a select group of executives or employees. Simply stated, you and your employees enter into an agreement using insurance to defer a portion of their income until a future date.

RETIREMENT PLANNING

SEP IRA

This is a simple and relatively inexpensive way for sole proprietors and smaller businesses to offer a retirement plan. There are no mandatory or minimum contributions, and funding is provided by the employer only. If you have employees, you may be required to contribute for them, as well. As the business owner, you can deduct contributions from your company’s federal taxable income.

SIMPLE IRA

This plan offers minimal costs and administration, and is funded by employee and mandatory employer contributions. Employers have a choice of matching dollar for dollar up to the first 3% of employee pre-tax contributions or matching 2% of compensation to all eligible employees. This works well for companies with 25 or fewer employees. As the business owner, you can deduct employer contributions from your company’s federal taxable income.

SOLO 401(k)

This may be a good option for the small-business owner with no employees who is looking for an inexpensive way to save more money than most other retirement plans allow. You can contribute using a combination of salary deferrals and profit sharing with no mandatory or minimum contributions. Spouses and equal business partners are also eligible to participate. You may choose to allow a Roth Solo 401(k) salary deferral within the plan. As a business owner, you can deduct contributions for yourself and your partner(s) from your company’s federal taxable income.

401(k)

The 401(k) is a flexible plan offering the highest level of employee pre-tax contributions, a wide range of employer contribution options and an optional loan provision. It works well for companies with 10 or more employees who want to start a new plan or transfer an existing plan. Employers may choose to allow Roth 401(k) salary deferrals within their plan. As the business owner, you can deduct employer contributions from your company’s federal taxable income.

In helping you select from a broad range of plans, we will tailor a strategy that matches your company size, compensation structures and culture. Many employer-sponsored plans can offer tax advantages to your company.

The following is an overview of the four most frequently used plans. We have many other innovative retirement plans, whether you’re a sole proprietor or a multinational corporation.

the ultimate reward for loyaltyand hard work is having

a meaningful plan for the future.

with esl, you don’thave just one person

looking out foryour interests,

but an entire teamof experienced

financialprofessionals.

ESL Investment Services, LLC is a subsidiary of ESL Federal Credit Union. ESL Investment Services, LLC and ESL Federal Credit Union are not insurance companies or insurance underwriters. ESL Investment Services, LLC,

member FINRA/SIPC, provides referrals to LPL Financial and its affiliates. ESL Investment Services, LLC and ESL Federal Credit Union are not affiliated with LPL Financial or its affiliates.

Not NCUA Insured Not Credit Union Obligations No Credit Union Guarantee May Lose Value

Securities and advisory services offered through LPL Financial, member FINRA/SIPC, and a Registered Investment Advisor. Insurance products may be offered through either ESL Investment Services, LLC or LPL Financial and/or its licensed affiliates.

ESL is a registered service mark of ESL Federal Credit Union.

OUR APPROACH

WORKING WITH YOU — A CONTINUOUS COLLABORATION

From our initial meeting together, we work closely with you every step of the way to develop strategies to pursue your business’ objectives. Our approach begins with getting to know you and your business, and extends to implementation and beyond:

DISCOVER — Getting to know you and your business is essential to shaping financial objectives, so we discuss your plans for succession, managing cash flow and dealing with complex tax issues.

EVALUATE — After analyzing your current situation, we recommend specific strategies we believe best align with both your short- and long-term business goals.

IMPLEMENT — Once you have carefully reviewed your options and agree upon the best approach to take, we put your tailored plans into action.

MONITOR — We maintain consistent communication with you as we carefully observe your portfolio and make any necessary adjustments.

Our ongoing communication process includes periodic performance reports, statement of holdings, online account access, newsletters and market outlooks.

GET TO KNOW THE ESL WEALTH MANAGEMENT TEAM

Everyone has their own personal definition of wealth. Since each client is different, our wealth management team provides each one with tailored strategies. Our team of seasoned professionals has years of industry experience. When we meet with you, we will listen to your needs and objectives to understand your current financial situation and where you want to be long-term. We will then deliver a proposal that provides the tools to pursue your financial goals.

One advantage of working with us is our unbiased approach. We have no obligations to any companies or products, nor do we have a proprietary line of products. Our team will give you objective recommendations based on your interests. Our sole focus is to serve you.

At ESL, every single client is important. When we help you grow, we contribute to the financial health and well-being of our friends and neighbors, businesses and of the Rochester community where we all live, work and play.

to learn more about wealth management for your business,call 585.339.4475 or 800.814 .5884,

or vis it esl .org.

ESL Investment Services, LLC Corporate Headquarters 225 Chestnut StreetRochester, NY 14604Check esl.org for officelocations and hoursTEL: 585.339.4475TOLL-FREE: 800.814.5884esl.org

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