Proactive Financial and Asset Protection Planning

At Northbridge Financial Group, our financial planning approach employs the fusion of wealth management and asset protection strategies. We weave asset protection into every plan we create.

Our many years of experience developing advanced strategies, coupled with the freedom of independence, yields a distinctive financial planning / wealth management platform. In addition, we provide a level of service that is structured and responsive.

Our clients benefit from a true team effort and solutions that are proactive rather than reactive. Through our multi-discipline approach, we are able to work in tandem with other trusted professionals, which may include a CPA and attorney, to ensure a seamless synchronization of our advanced planning process.

The financial plans we create are customized because each client’s needs dictate a specific design. Changes to the laws relating to taxes, estate planning or retirement must be monitored. We are diligent in our research and perform regular reviews in order to keep your plan current.

It all starts with preparing a strategy— one that creates, grows and protects your wealth.

Asset protection—it’s all about protecting what you’ve worked so hard to achieve.

What Types of Liability Do You Face?

Whether you’re a physician, dentist, affluent individual, corporate executive, or business owner, you’ve worked hard to accumulate wealth that deserves to be protected for the long term. At Northbridge Financial Group, we have many years of experience in the field of asset protection that is integrated into our comprehensive and customized financial plans.

What is Asset Protection?Many factors must be considered when designing strategies for the future—and those strategies must be fluid to account for life’s changes. Asset protection is not a one-size-fits-all approach—it’s a specific plan for preserving your wealth. The use of certain types of investment vehicles may provide protection against liability you face. We have access to a broad and diverse selection of asset protection vehicles and can work to find suitable options for you.

Sources of LiabilityUnderstanding how risk may affect your financial plan, what liability you currently face, and which strategies can be used to protect your assets is at the core of our work. No one is immune from litigation, and physicians, along with other affluent individuals, are often targeted. Our goal is to identify strategies that help you work toward your financial goals and also provide some protection.

Common sources of liability include:

▪ Professional Liability ▪ Contract / Lease – Personal Guarantee▪ Premise Liability ▪ Divorce▪ Real Estate ▪ Motor Vehicle Liability

It pays to take the necessary steps to protect both your personal and your business assets. Our team stays informed on the latest changes to financial, tax, and estate law in order to keep your plan relevant.

A Disciplined, Comprehensive Approach to Planning

We focus on understanding your needs so we can design specific strategies to help mitigate your risk.

Each client is unique and deserves to have a wealth management plan that is personalized. We ask the questions that need to be asked and provide you with the direction that needs to be given.

Our planning process is designed to give us a deep understanding of your needs. We accomplish this in five steps:

▪ Builder Meeting—We listen as you tell us what matters most to you. You’ll learn more about us and how we work with clients, so we can both determine if our team is a good fit for your needs.

▪ Discovery Meeting—We discuss all aspects of your current financial situation—from how assets are titled, to your retirement aspirations. We learn about your goals and objectives, identify potential problems, and point out areas of opportunity.

▪ Draft Meeting—We confirm that the direction of our planning is aligned with your goals and objectives before presenting our recommendations. We work closely with other professionals (attorney, CPA, etc.) to develop your plan.

▪ Presentation Meeting—We present our analysis and recommendations, along with a plan of action for implementation.

▪ Review Meeting—We routinely monitor your plan and schedule regular reviews to make sure it’s in line with your goals and accounts for changes in your life or changes in relevant legislation.

As we build a plan with a goal of asset protection in mind, we will consider such issues as time horizon, risk tolerance and liquidity needs. Because we are an independent firm, we have access to a broad range of non-proprietary financial products to assist you in working toward your goals. Products and services we offer include:

▪ Comprehensive Financial / Asset Protection Planning ▪ Investment Advisory Services▪ Retirement Planning ▪ College Planning▪ Stocks, Bonds, Mutual Funds, ETFs ▪ Insurance▪ Estate Planning ▪ Annuities

Tax and legal services are not offered by LPL Financial or affiliated advisors.

We welcome the opportunity to speak with you about your financial/asset protection goals and the guidance we can provide to help you meet them. Please contact us to schedule a no-obligation consultation and discover the value of our broad expertise, unbiased advice and specialized service.

In order to achieve effective solutions, a structured methodology is essential.

www.NorthbridgeFG.com

4300 West Cypress Street

Meridian Two Building, Suite 370

Tampa, FL 33607

Phone: 813.877.8000 ▪ Fax: 813.877.8001

*As reported by Financial Planning magazine, June 1996–2014, based on total revenue.

Securities, financial planning, and investment advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC.

Independence Powered by LPL Financial

The professionals at Northbridge Financial Group are supported by LPL Financial, one of the leading financial services companies and the largest independent broker/dealer in the nation.* For more than four decades, LPL has supported financial advisors in their goals of protecting and growing their clients’ wealth. Their services reduce the complexity of running a financial services practice so advisors can focus on what they do best—help their clients pursue their financial goals and fulfill their dreams.

This relationship provides us with access to unbiased research and a comprehensive array of tools, resources and technology. As an independent firm with no proprietary products to sell or sales quotas to meet, we are able to offer you objective financial guidance and unbiased investment recommendations.