The Sadler Georgen Harmon Team Your Family CFO
David C. Sadler CERTIFIED PUBLIC ACCOUNTANT CERTIFIED FINANCIAL PLANNER PERSONAL FINANCIAL SPECIALIST ACCREDITED WEALTH MANAGEMENT ADVISOR SM 314.244.3241 dsadler@monetagroup.com Nancy B. Georgen JURIS DOCTORATE CHARTERED LIFE UNDERWRITER CHARTERED FINANCIAL CONSULTANT 314.244.3221 ngeorgen@monetagroup.com Kara L. Harmon CERTIFIED PUBLIC ACCOUNTANT CERTIFIED FINANCIAL PLANNER CHARTERED RETIREMENT PLANNING COUNSELOR SM ACCREDITED WEALTH MANAGEMENT ADVISOR SM 314.244.3298 kharmon@monetagroup.com 2
Can I retire when I want? Is my wealth protected? We know these concerns can keep you up at night. As Family CFOs, our goal is to eliminate these anxieties for you and your family. We serve as your financial advocate, providing not only the knowledgeable advice you expect but the Raving Fan service you deserve. We care about our clients, take great satisfaction in seeing their goals fulfilled and go the extra mile to ensure they are attained. You can put your mind at ease knowing you have a trusted partner committed to acting only in your best interest. How will changes in tax laws affect me? 3
Our Promise We thrive on managing the complexities of your financial affairs to give you the freedom to live the life you have worked tirelessly to achieve. We are committed to creating and maintaining the high level of trust necessary for enduring, multigenerational relationships and intend to be here for you, your children and your children s children. Throughout our collaborative relationship, you can expect to: Be cared for and feel valued and important Have confidence in our knowledge and expertise Experience our commitment to your financial security Partner with us in pursuing your goals with a concrete, well thought-out financial strategy Have us serve as an impartial sounding board and facilitator for family financial meetings Receive clear advice and related action items through our regular meetings Get to know our team personally and trust we will respond to your needs in a timely manner 4
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What is a Family CFO? As Family CFOs, we coordinate the financial affairs of successful families and institutions just as a Chief Financial Officer does for a corporation. Our attention to detail and technical expertise help us provide a depth of personalized, conflict-free advice on a range of financial issues. We deliver all of this through a comprehensive service model that has a single objective: to help you achieve your financial goals. Investment Strategy Tax Planning Estate Planning Financial Independence Serving as your advocate Risk Management Company Retirement Plans 6 Money Management Concentrated Stock Diversification Education Funding
Why Moneta? We are proud to be part of Moneta Group and its rich history dating back to 1869. Consistently ranked among the largest independent investment advisors in the country, our firm serves families and businesses nationwide. In the changing landscape of the financial services industry, Moneta Group stands out from the crowd due to our: Fiduciary Standard We embrace our fiduciary responsibility to work only in the best interests of our clients. Suitability is not enough. Expertise We pursue professional designations and continuing education opportunities to ensure we deliver the quality of advice clients expect. Resources Support from Moneta s talented management team and professional staff allows our focus to stay where it belongs: on you and your family. Independence Moneta Group is owned entirely by its principals so we answer only to our clients not to outside shareholders. We are 100% aligned with your success. Objectivity We work on a fee basis and receive no compensation from investments, allowing us to recommend only the products and services that provide the best solutions for you. Scale Our size and industry reputation provides access to institutional strategies and cost savings which directly benefit you. 7
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Our Team Dave, Nancy, and Kara have substantial tenures at Moneta Group with in-depth knowledge in all areas of financial planning. We have gained a great deal of experience through our years in the industry, and have developed a knowledgeable, dedicated advisory team who share a passion for professional service and doing only what is best for our clients. Our motivation is to create a client base of Raving Fans by providing an exceptional service experience and building close personal relationships. We support and encourage professional development of all team members in order to meet your family s complex needs now and for many years to come. We limit our practice to those who can most benefit from our unique service and expertise. Unlike advisors with hundreds even thousands of clients, we have time to consider all the opportunities that exist for you. We approach our practice with enthusiasm for our client relationships and the professional growth of our entire team. 9
Initial Interview Discuss Goals & Financial Assessment Financial Action Plan Plan Implementation Ongoing Review & Reassessment Planning Process Using an established process, we deeply explore your family s unique financial situation and focus on what matters most to your future. We reflect on your goals and develop tailored solutions to help you attain them. The end result is a comprehensive plan for your financial future tied directly to your family s objectives with an ongoing commitment to implementation and monitoring as your circumstances change. 10
Documents We believe it is essential to review all aspects of your family s financial situation as decisions you make in one area can often impact your goals in another. In order to provide the most comprehensive Financial Action Plan for your family, it would be helpful for you to provide us with the following information as it applies: Tax returns Investment statements Bank account balances Estate document copies (will, trust, power of attorney, etc.) Insurance coverage details (life, long-term care, disability, etc.) Company benefits information (pension, stock plans, retirement accounts, etc.) Pension and Social Security projections Mortgage balance and terms 11
Moneta Group Investment Advisors, LLC 100 S. Brentwood Boulevard, Suite 500 Clayton, MO 63105 monetagroup.com Phone: 314.726.2300 Team Fax: 314.244.3475 monetagroup.com/sghteam