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| Appelman Financial |
| Gold Medal Services “The New Standard in Personalized Wealth Management” Investment Oversight Service * Reviewing your investments and designing a personalized portfolio appropriate to your needs * Year-long, continual monitoring of your investments with fine tuning adjustments as needed * Annual or semi-annual meetings to review and evaluate your investment performance, update your overall financial objectives, and if necessary, reallocate your portfolio as agreed upon by you * Independent investment advice * Commission-free transactions on most stocks, bonds or mutual funds traded in your account (certain transaction fees may apply) * Recommendations regarding positioning of funds within your employer provided retirement plans such as 401(k)s (while you are employed) * Quarterly “market watch” letter detailing our firm’s research, analysis and view of the current state of the investment market Tax Reduction Planning & Income Tax Preparation * Comprehensive review of your tax return to highlight opportunities for maximizing tax reduction strategies * Annual review of your tax situation and planning to incorporate any new tax law changes * Recommendations of tax solutions including tax advantaged investments * Staying up-to-date on and presenting new tax laws that can effect your situation * Preparation of your federal, state and local taxes for an additional charge Retirement Income & Distribution Planning * Analysis of your income needs now and in the future * Continual development and implementation of recommendations to fund your income needs and help maintain a comfortable living standard * Recommendations regarding the best distribution strategy for your employer retirement plans and IRAs * Analysis of the beneficiaries of your IRAs and how to establish an Inherited IRA to continue your IRA for up to 70 years or longer after you pass away Family Wealth Planning * Analysis of your current estate plan and concerns * Discussion of life insurance and annuity options available that may fit your financial needs * Free consultation with you and your attorney * Assistance in transferring assets to your Living Trust or other trusts * Providing guidance with the appropriate and necessary steps in the event of the death of a loved one Client Services & Communication * Quarterly newsletter to keep you apprised of the most current planning options * Annual, semi-annual or quarterly reviews (your choice) * Special report on how to reduce your taxes and other important topics * Invitations to special client appreciation events 250 Schoolhouse Road, Bloomsburg, PA 17815 (570) 784-1716 or (800) 598-4998 Fax: (570) 784-8768 Securities Offered through Trustmont Financial Group, Inc. Member FINRA/SIPC and Trustmont Advisory Group, Inc. 200 Brush Run Road, Suite A, Greensburg PA 15601 (724) 468-5665 * Appelman Financial is not affiliated with either Trustmont Financial Group, Inc. or Trustmont Advisory Group, Inc. |
