Tax & Wealth Management 360

LASTING SUCCESS

INDEPENDENT THINKING

INNOVATIVE SOLUTIONS

7777 ALVARADO RD., SUITE 106, LA MESA, CA 91942 | T: 855.360.9811 | F: 619.741.9811 | WWW.TCM360.NET

Secur i t ies and investment advisory services of fered through Royal Al l iance Associates, Inc. , member FINRA/SIPC and a registered investment advisor. CPA services of fered through Tax & Capital Management 360 which is not af f i l iated with Royal Al l iance

Associates, Inc. or registered as a broker/dealer or investment advisor. CA Insurance Lic # 0D70199.

Innovative, Independent Solutions for Lasting SuccessTax & Capital Management 360 works with clients across the United States to help them manage their investments, taxes, and finances. Through our innovative and independent approach to wealth management, we strive to help each of our clients achieve lasting financial stability and success.

INNOVATIVE SOLUTIONSAs dedicated financial professionals, we create innovative solutions that address your specific concerns. By combining prudent tax planning and comprehensive investment management, we’re able to create strategies that help you effectively manage your wealth. Our customized plans are designed to help increase returns and reduce risk while taking your specific goals, needs, and risk tolerance into account. Ultimately, the success of your portfolio is measured by whether or not it helps you accomplish your objectives.

INDEPENDENT THINKING You want to achieve financial stability, but it can be hard to sift through the variety of competing opinions and facts to make informed decisions. At Tax & Capital Management 360, we look at all the available information in order to develop wealth management strategies most appropriate for you. As an independent firm, we’re not committed to a particular company’s products. We consider a full range of financial solutions and then recommend those that we think are best for your particular situation.

LASTING SUCCESS Whether you’re planning for retirement, saving for a child’s college education, or need assistance with tax planning, we can help you develop a plan that will address both your immediate concerns and put you on the path to achieving your long-term goals. Through a deliberate and thoughtful evaluation of your current financial situation and objectives, we will construct a comprehensive plan that will help you achieve lasting financial success.

WE LOOK AT YOUR WHOLE FINANCIAL SITUATION AND PROPOSE COORDINATED SOLUTIONS THAT WILL HELP YOU ACHIEVE YOUR GOALS.


Our Process The client engagement process is designed to put each of our clients on the path to financial stability. If you choose to work with us, we’ll take the following steps:

1. GETTING TO KNOW YOUWe get to know you. Before making any specific recommendations, we first take the time to understand the decisions you make regarding your investments, taxes, and finances.

2. CREATE PERSONALIZED FINANCIAL PLAN We design a personalized plan that helps you effectively manage your time, wealth, energy, talents, and relationships in order to achieve personal fulfillment.

3. IMPLEMENT YOUR FINANCIAL PLAN We provide specific services as outlined in your financial plan with a specific focus on investment management and tax planning. Each step in your plan is implemented with your needs, goals, and risk tolerance in mind.

4. ANALYZE, MONITOR, AND ADJUST PLAN AS NECESSARYOver time, we continue to analyze, implement, monitor, and adjust your plan to promote your long-term success and help you turn your goals into reality.

OUR CLIENT ENGAGEMENT PROCESS IS DESIGNED TO PUT YOU ON THE PATH TO FINANCIAL STABILITY.


ONGOING

START

CREATE PERSONALIZED FINANCIAL PLAN

IMPLEMENT YOUR FINANCIAL PLAN

ANALYZE, MONITOR AND ADJUST PLAN AS NECESSARY

GETTING TO KNOW YOU



How We’re DifferentWhat distinguishes Tax & Capital Management 360 from other financial planning firms? At Tax & Capital Management we:

FOCUS ON TAX PLANNING: Our Principal, Brian Hoyt, is a Certified Public Accountant, and he incorporates a strong tax planning perspective into all financial planning and investment strategies.

OFFER COMPREHENSIVE AND PERSONALIZED FINANCIAL PLANNING: Our services include estate planning, risk management, tax planning, education planning, and asset management. Each written plan is customized to the individual and takes their unique goals and risk tolerance into account.

ARE A FIDUCIARY: We believe the most important part of our job is to do the right thing for our clients, and we have a fiduciary responsibility to put your interests before our own. Not every financial advisor makes this commitment. As an Accredited Investment Fiduciary® (AIF®), Brian Hoyt has thorough knowledge of fiduciary practices and the ability to apply those practices in his business with you. The AIF designation is the mark of commitment to a standard of investment fiduciary excellence. Those who earn the AIF mark have successfully completed a specialized program on investment fiduciary standards of care and subsequently passed a comprehensive examination. AIF designees demonstrate a thorough understanding of fi360’s Prudent Practices for investment advisors and stewards.

ARE INDEPENDENT AND UNBIASED: As an independent financial advisory firm, our allegiance is to our clients, not to any corporate agenda or requirement to sell certain products. Our primary responsibility is managing your financial life and we believe that any conflict of interest impairs our relationship with you.

WORK WITH YOU TO DEVELOP SOLUTIONS: We believe in working collaboratively with clients so that we can discover the best ways to help them manage their finances and achieve their dreams. We strive to develop long-term client relationships that are based on trust, honesty, service, and integrity. Our goal is to ensure that you do not outlive your money, and we believe that strategies such as portfolio rebalancing and dollar cost averaging enable our clients to achieve their long-term goals.

ARE COMMITTED TO CLIENT SERVICE: Our team has a passion for what they do and are dedicated to providing top-notch client service. We’re always available to answer your questions or address your concerns, and we treat your investments as if they were our own. If you have any questions about your accounts with us, you can expect a timely response―usually within 24 hours.

BELIEVE IN THE IMPORTANCE OF EDUCATION: Our staff is continually updating our knowledge and abilities through our licenses, training, and professional associations so that we can best serve our clients. In addition, we are committed to providing ongoing client education and feedback through newsletters, updates, and reviews.

WE BELIEVE THE MOST IMPORTANT PART OF OUR JOB IS TO DO THE RIGHT THING FOR OUR CLIENTS.




Our Services Our clients have demanding careers and active lives, which leaves them little time to manage their investments and taxes on their own. They trust us to oversee their finances so they can concentrate on other concerns.

Tax & Capital Management 360 offers a comprehensive package of financial planning services designed to address your varying concerns over time, ranging from tax planning for next year to preparing for retirement. Our staff can provide informed guidance regarding a range of issues.

OUR COMPREHENSIVE SERVICES ADDRESS YOUR VARYING CONCERNS OVER TIME.


OUR SERVICES

ASSET MANAGEMENT

RISK MANAGEMENT

ESTATE PLANNING

EDUCATION PLANNING TAX PLANNING

RETIREMENT PLANNING

TAX PREPARATION CASH FLOW ANALYSIS



We believe that financial planning is an active, ongoing process. Your life isn’t static, and your financial plan shouldn’t be either. At Tax & Capital Management 360, we will review and update your financial plan every few years (or on an as-needed basis) in order to accommodate changes in your situation. Depending on the circumstances, we may review your entire financial plan or simply concentrate on making targeted adjustments to specific areas of concern. As for investment management, we make a commitment to regularly monitor your portfolio.

WE ARE IN BUSINESS TO ENABLE YOU TO PLAN FOR YOUR MOST IMPORTANT FINANCIAL AND LIFESTYLE GOALS.




Our Business Mission Statement We at Tax & Capital Management 360 are in business to develop and implement comprehensive financial strategies which enable our clients to plan for their most important financial and lifestyle goals.

WE ACCOMPLISH THIS MISSION THROUGH THE FOLLOWING STEPS:

By remaining independent we ensure that our allegiance is to our clients and not to any corporate agenda or required product sale. This may seem obvious to you, but in fact, it is all too rare in the financial services area.

Striving for a long-term client relationship that is based on trust, honesty, service, and integrity.

We work with you in managing your life’s resources to put your dreams on track to becoming a reality. We help you understand why you make the choices you do about the accumulation and/or expenditure of your valuable and limited life resources:

• Time

• Money

• Energy

• Relationships

• Talents

Providing ongoing education and feedback through newsletters, updates, and reviews which help our clients evaluate their progress and help us focus our efforts.

Responding to client inquiries in a timely manner—within 24 hours.

Updating our knowledge and ability on a continuing basis through our licenses, training, and professional associations.

Brian D. Hoyt, CPA/PFS, MSBA, CFP®, AIF®Brian formed Tax & Capital Management 360, bringing experience from a variety of financial disciplines being a Certified Public Accountant and CERTIFIED FINANCIAL PLANNERTM Professional. As a Principal and owner, Brian provides tax, investment, and comprehensive financial planning services for individuals nationally.

Brian graduated with a B.S. from Marquette University and holds a master’s degree in business administration from San Diego State University with a focus in tax and financial planning. He is also credentialed as a Personal Financial Specialist (PFS) by the American Institute of Certified Public Accountants (AICPA). As of today, AICPA has granted only approximately 3,800 CPA/PFS credentials nationally. In addition, Brian has earned the Accredited Investment Fiduciary (AIF®) designation. The designation signifies knowledge of both fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care when managing the assets of others.

Brian is a board member of the Financial Planning Association (FPA) and a member of the American Institute of Certified Public Accountants (AICPA) and the MU Alumni Club. Having a passion for educating others on personal financial matters, Brian is a financial planning instructor through the Grossmont at the Community College district in San Diego. Medical Economics has listed Brian on its “150 Best Financial Advisers for Doctors” in 2011.

Brian is a registered representative with Royal Alliance Associates, Inc. and holds Series 6, 7, 24, 63, and 65 securities licenses. He holds insurance licenses for life and variable contracts.

As respective Midwest and Northwest natives, Brian and his wife enjoy living in San Diego and are proud parents of a daughter. During his spare time, Brian is an avid endurance athlete.

EDUCATION• B.S., Marquette University • MSBA, San Diego State University

CERTIFICATIONS, DESIGNATIONS, AND LICENSES• Certified Public Accountant• CERTIFIED FINANCIAL PLANNER™ professional• Personal Financial Specialist • Accredited Investment Fiduciary® • Registered Representative, Royal Alliance Associates, Inc.• Series 6, 7, 24, 63, and 65 securities licenses

MEMBERSHIPS AND AFFILIATIONS• Board Member, Financial Planning Association• American Institute of Certified Public Accountants• MU Alumni Club


Brian D. HoytCPA/PFS, MSBA, CFP®, AIF®Financial Advisor

T: 855.360.9811

E: [email protected]

WWW.TCM360.NET

7777 ALVARADO RD., SUITE 106 LA MESA, CA 91942



AWARDS:• Named one of 2011’s Best Financial Advisers for Doctors by Medical Economics

Myrna MerrifieldMyrna Merrifield has been assisting Brian Hoyt since joining him in 2009. She is a Registered Representative with Royal Alliance Associates, Inc., and holds her Series 7 and 63 registrations.

Myrna began her financial career as a student at UCLA, when she worked at a convertible bond firm. She later joined an investment bank boutique in Beverly Hills in the corporate finance area, where she specialized in initial public offerings and private placements. Her other experience includes working with a financial public relations firm and consulting on public offering syndicates. Upon moving to San Diego, Myrna worked in operations at an investment management firm.

Prior to returning to the financial industry, Myrna stayed home to raise her two children, Parker and Kaia Lake, and her dog Bingo. She is actively involved with Cub Scouts, Girl Scouts, soccer, baseball, basketball, and community service.

EDUCATION• University of California, Los Angeles

CERTIFICATIONS, DESIGNATIONS, AND LICENSES• Registered Representative, Royal Alliance Associates, Inc.• Series 7 and 63 securities licenses


Myrna Merri f ie ldOperations Manager

T: 855.360.9811E: [email protected]

WWW.TCM360.NET




Min Leonard, CPA, M.A.S. Min is a CPA and tax consultant with Tax & Capital Management 360, specializing in individual and business accounting, bookkeeping, and tax return preparation. She is dedicated to helping clients achieve financial success by helping them develop and maintain a cost-effective accounting process system. Min is committed to delivering accurate and affordable accounting and tax services that meet each client’s unique situations.

Min earned a B.S. in Accounting in 1998 from California State University, San Marcos. She is licensed as a Certified Public Accountant (CPA) in California. After working in the accounting industry for many years as a CPA, she went back to school to pursue a master’s degree. She received her master’s degree in Healthcare Administration in 2008 from the University of California, San Diego. She teaches part-time at National University and is fluent in Mandarin Chinese, Cantonese Chinese, and English.

Min has lived in San Diego since 1996. She has volunteered at numerous local nonprofit associations in San Diego County and enjoys walking, opera, and music with her family members and friends.

EDUCATION• B.S., Accounting, California State University, San Marcos • M.A.S., Healthcare Administration, University of California, San Diego

CERTIFICATIONS, DESIGNATIONS, AND LICENSES• Certified Public Accountant


Min Leonard, CPA, M.A.S.CPA & Tax Consultant

T: 855.360.9811

E: [email protected]

WWW.TCM360.NET




Contact Us:T: 855.360.9811 | F: 619.741.9811E: [email protected] ALVARADO RD., SUITE 106LA MESA, CA 91942

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Tax & Wealth Management 360