Metcalf Wealth Management Group€¦ · Cashless Stock Options Exercise Control & Restricted Stock Transactions Rule 10b5-1 Plans Business Succession Planning Life Insurance Needs

Metcalf Wealth Management Group

www.metcalfwmg.com

Timothy C. Metcalf Managing Director – Orange County Senior Vice President/Investments

Robert Pinto Associate Vice President/Investments

Amy Leite Holmes Client Service Associate Associate Vice President

Chase B. Metcalf Client Service Associate

Metcalf Wealth Management Group

(866) 779-2725

(949) [email protected]

(949) [email protected]

(949) [email protected]

(949) [email protected]

Our mission is to help our clients grow and protect their

wealth by developing comprehensive investment plans

that incorporate world-class investment advisory services

and thoughtful risk management strategies. We believe

we can best assist our clients by providing sound advice,

remarkable service, and open, honest communication.

“You can have everything in life you want, if you will just help other people

get what they want.” – Zig Ziglar

Sound Advice and Remarkable Service

Left to right: Bob, Amy, Chase, Tim

Your financial goals are yours and yours alone. Pursuing those goals requires personalized attention and individualized strategies tailored to your unique situation.

The Metcalf Wealth Management Group places your needs first as we work with you to design retirement, wealth management, asset protection, and estate planning strategies with a long-term focus.

Stifel is a firm built on the simple notion of “safeguarding the money of others as if it were our own,” and that’s the exact approach we take with our clients. We will take the time to listen to you, gain a full understanding of your specific objectives, and recommend only the products and services we believe are suited to your needs.

We believe in the importance of developing client relationships that stand the test of time, and we make every effort to educate our clients and build trust by providing dedicated service. Our clients want more, expect more, and deserve more expertise than the norm. With more than 80 years of combined investment industry experience, we possess the knowledge and the know-how to help them pursue their most important financial goals.

Wealth Management Process

Stifel’s wealth management process consists of six steps that help get an overview of your current situation, choices available, and what must be done to pursue goals. The process involves gathering relevant financial information, determining your organization’s goals, examining current financial status, and formulating a strategy or plan for how to work toward goals given the current situation and future plans.

Taking Control

Assess Your Financial Situation • Takeinventoryofassets,includingretirementplans • Evaluateyourincomestream

Define Your Goals • Buyingahouse • Investingforcollegeeducation • Savingforretirement

Calculate Funds Needed • Inflation • Risktolerance

Create a Portfolio to Address Your Investment Goals • Allocatefundsamongappropriate investment categories

Monitor Portfolio • Respondtochangesinobjectives • Fundamentalchangesinportfolio(values)

Stifel encourages investors to take control of their financial future. We have developed several services that are designed to help investors with many of the time-consuming details involved in investment planning and supervision.

Like a road map, an investment plan directs to a destination. The map, like the plan, isn’t useful until the destination has been decided — or in the case of investing, the long-term goals defined.

Setting specific goals is the most important step takenwhendevelopingyourplan.Adiscussionof financial objectives and goals will provide an understandingofwhathopestobeachieved.AnyinformationdiscussedwithStifelFinancialAdvisors is kept confidential.

Afterthelong-termgoalshavebeendefined,allthat remains to be done is deciding the right mix of investments. The entire asset base must be considered.Ifpartofaportfolioisnottakenintoaccount, a false picture will be presented.

One can predict how much money can be accumulated over a lifetime from employment or other sources. That amount will remain constant as long as the variables do not change, such as employment. How successfully you invest your money will determine the degree of financial security you will enjoy in the future.

Fewthingsaremorevitaltoyoursecuritythanknowledgeable investment planning. You can take control of your financial future by:

1. Developing a sound investment plan offering the greatest opportunity for achieving your goals;

2.Executingthatplan;

3. Periodically reviewing that plan and making adjustments for changing financial objectives.

Investmentplanningandsupervisioncanbetime-consuming, but knowing a long-term investment plan is in place may bring the investor comfort and greater confidence.

Becausethisprocesstakestime,Stifelhas designed various services to help investors with many of the details involved in investment planning and supervision.

“The future belongs to those who plan for it.”

Establish & Define

Relationship

Gather Client

Information & Data

Data Analysis & Plan

Development Present the Plan

Adopt Plan & Create

Action Plans

Monitor the Plan

Advisory Process

Stifel does not offer legal or tax advice. You should consult with your legal and tax advisors regarding your particular situation.

ResidentialmortgagelendingservicesforclientsofStifel,Nicolaus&Company,IncorporatedareperformedexclusivelybyStifelBank&Trust.ThefinancialadvisorsofStifel,Nicolaus&Company,Incorporateddonotoffermortgageloans,providemortgageloaninformation,oracceptresidentialmortgageloanapplications.StifelBank&Trust,MemberFDIC,EqualHousingLender,NMLS#375103,isaffiliatedwithStifel,Nicolaus&Company,Incorporated,MemberSIPC&NYSE.Unlessotherwisespecified,referencestoStifelmaymeanStifelFinancialCorp.and/oranyofitswhollyownedsubsidiaries,includingStifel,Nicolaus&Company,Incorporated,MemberSIPC&NYSE,andStifelBank&Trust,MemberFDIC.Unlessotherwisespecified,productspurchasedfromorheldbyStifelarenotinsuredbytheFDIC,arenotdepositsorotherobligationsofStifelBank&Trustoritsaffiliates,arenotguaranteedbyStifelBank& Trust or its affiliates, and are subject to investment risk, including possible loss of the principal.

TrustservicesareprovidedbyStifelTrustCompany,N.A.,awhollyownedsubsidiaryofStifelFinancialCorp.andaffiliateofStifel,Nicolaus&Company,Incorporated.Unlessotherwisespecified,productspurchasedfromorheldbyStifelTrustCompany,N.A.arenotinsuredbytheFDICoranyothergovernmentagency,arenotdepositsorotherobligationsofStifelTrustCompany,N.A.,arenotguaranteedbyStifelTrustCompany,N.A.,andaresubject to investment risks, including possible loss of the principal invested.

Financial & Wealth Planning

AssetAllocationAnalysis

Comprehensive FinancialPlanning

Understanding Social Security

Tax Planning

Professional Money

Management

Fee-Based AdvisoryPrograms

AccesstoProfessionalMoney Managers

Quarterly PerformanceReports

Estate Planning

EstatePlanAnalysis

CharitableGiving

BeneficiaryReview

Gifting&Estate Tax Planning

Retirement Planning

RetirementIncomePlanning

Traditional &RothIRAs

IRARollovers &Distributions

RetirementFunding Analysis

College Planning

529 College Savings Plan

EducationSavings Accounts

UGMA/UTMA Accounts

CollegeFundingAnalysis

Insurance & Liability Planning

BusinessOwnerNeeds

DisabilityInsurance

LifeInsurance

Long-Term CareInsurance

Corporate Executive Services

Cashless Stock OptionsExercise

Control&RestrictedStock Transactions

Rule10b5-1 Plans

Business Succession

Planning

LifeInsurance Needs

Buy-Sell Agreements

EstatePlanningConsiderations

Key PersonInsurance

Cash Management

CheckWriting

DebitMasterCard®

BillPayment Services

StifelAccess (online account access)

Retirement Plansfor Business

Choosing an AppropriatePlan

Reviewingan ExistingPlan

Choosinga Plan Provider

Selecting a Third-Party

Administrator

Investment Banking

PublicOfferings& CapitalRaising

FinancialAdvisory

Mergers& Acquisitions

MunicipalFinance

Bank & Trust Services

Mortgage Lending

Securities-BasedLending

VISA®CreditCards

Trust Management &Administration

Wealth Management Services

“ I will tell you how to become rich. Close the doors?

Be fearful when others are greedy. Be greedy when others are fearful.” – Warren Buffett

About StifelAsStifelfinancialadvisors,TheMetcalfWealthManagementGrouphasthesupportofandaccesstothedeepresources of one of the nation’s leading financial services firms. Our affiliation with Stifel enables us to maintain the independent thinking and entrepreneurial spirit essential for us to help our clients pursue their financial goals.

Stifel,Nicolaus&Company,Incorporatedisafull-servicesecuritiesbrokerage,investmentbanking,trading,andinvestment advisory firm founded in 1890.ThecompanyisaregisteredinvestmentadviserwiththeU.S.SecuritiesandExchangeCommission.

Stifelishometotheindustry’slargestU.S.equityresearchplatform.OurequityresearchhasrankedinthetopfiveintheStarMineAnalystAwardsfornineconsecutiveyears.

Ourparentcompany,StifelFinancialCorp.,hasbeenpubliclytradedontheNYSEsince1983(symbol–“SF”)andwaslistedinFortunemagazine’s100 fastest growing companies in 2009 and 2010.

•Officesin45StatesandtheDistrictofColumbia •Sixthlargestfull-serviceinvestmentfirminthe country in terms of number of financial advisors, with more than 2,000 •Morethan 6,200 associates

•Morethan$165 billion in client assets under management •$2 billion of revenue in 2013 and $9.0 billion in total assets •HeadquarteredinSt.Louis •Website:www.stifel.com

“The far most dangerous words in investing are: ‘this time it’s different.’”

– Sir John Templeton

•Arts&ServicesfortheDisabled

•Boys&GirlsClub

•CaliforniaCenterfortheArts

•CasaTeresa

•FamilyAssistanceMinistries

•GoldenWestCollege

•GrossmontHospitalFoundation

•GuideDogsoftheDesert

•HelpingHandWorldwide

•LagunaArtMuseum

•LagunaBeachSeniors

•LagunaCollegeofArt&Design

•McBethFoundation

•NewVistaSchool

•OceanInstitute

•OrangeCountySchooloftheArts

•OregonStateUniversity

•PacificMarineMammalCenter

•ProjectAware

•SanOnofreFoundation

•SantaAnaZoo

Civic Involvement •SouthCoastSymphony

•SpiritLeague

•SurfriderFoundation

•TheCenterforAutismand

NeurologicalDisorders

•TheTeenProject,Inc.

•UCDavisCenterforEquineHealth

•UnitedCerebralPalsyAssociation

•ZoologicalSocietyofSanDiego

“Treat others the way you want to be treated.”

– The Golden Rule

Timothy C. MetcalfManaging Director – Orange County Senior Vice President/Investments

Over the course of my 30-plus years as a financialadvisor,I’vedevelopedaclearinvestment philosophy built on sound financial principles and a disciplined long-termoutlook.Inmyexperience,investorswho adhere to these strategies typically fare better than those whose decisions are dictatedbymarketvolatilityandshiftingeconomic cycles.

With that as my driving philosophy and with the help of Stifel’s extensive resources, Iwillhelpyoutaketheemotionoutofinvesting and tailor your investment plan to your unique goals and tolerance for risk. Whether you are planning for a comfortable retirement or looking for a comprehensive diversification strategy that maximizes the potential for growth while adjusting for the appropriate level of risk asyourneedschangeovertime,Iwilltakea comprehensive approach to your wealth management plans.

IholdadegreeinfinancefromOregonStateUniversityandresideinSanClemente,California,withmywife,Krissi,andourtwowonderfulsons,RileyandChase.

Awayfromtheoffice,IamaGrantCommitteeMemberoftheMcBethFoundation/ManageInvestments,aPastBoardMemberoftheOregonStateUniversityAlumniAssociation/InvestmentCommittee,aMemberoftheSurfriderFoundation’sInvestment/EndowmentWorkingGroup,BoardMemberoftheSouthOrangeCountyBoysandGirlsClub,andaBoardofGovernoroftheNewportBeachCountryClub.Ienjoyplayinggolf and am a member at the O’Donnell Golf ClubinPalmSprings.

Alongwith18 years of experience serving as BranchManagerand24yearsatWellsFargoAdvisors,Ilookforwardtoextendingmyservice to you and your family. Together we can discuss financial strategies designed to fit your unique situation.

Robert PintoAssociate Vice President/Investments

With more than 29 years of experience asafinancialadvisor,Iamdedicatedtoworking with clients by building long-term relationships.Ibeginwithawelllaidoutwealth management plan tailored to your current financial goals and the legacy you may want to pass on to your heirs.

My mission is to maintain capital preservation by using the tools available to me through Stifel to help you minimize risk and strive to achieve returns in line or better with comparable market benchmarks.Ibelievethatwealthis built over time with discipline and a long-term focus.

IbeganmyfinancialservicescareerwithMerrillLynch,whereIworkedfortenyearsbeforemovingtoA.G.Edwards&Sons/WellsFargoAdvisors,whereIspentnearly20 years before coming to Stifel.

IearnedmyBachelorofSciencedegreefromBowlingGreenStateUniversity in Ohio.

Amy Leite Holmes Client Service AssociateAssociate Vice President

BeforejoiningStifel,Ispent17 years workingasanAssistantOperationsManagerandSeniorClientAssociateforA.G.Edwards/WellsFargoAdvisors.Working with the Metcalf Wealth ManagementGroup,Iamextremelyenthusiastic about my career and enjoy the daily communication with our clients.

IattendedSaddlebackCollege,earningthreeHumanServicesCertificatesandcompletingtheOperationsCertificationProgram, an intensive study of the brokerage industry and firm operations.

Outsidetheoffice,Iamactiveinthecommunity and participate annually in WalkMS,throughtheNationalMSSociety.Inaddition,IserveasaGrantCommitteeMemberoftheMcBethFoundation.Ilivewithmyhusband,Evan,inDanaPoint. Ourdaughter,Juliette,livesinSanFranciscoandattendsSanFranciscoStateUniversity.

Chase B. MetcalfClient Service Associate

Ihaveworkedintheinvestmentindustry for more than two years and truly enjoy serving our clients.

IattendedArmyandNavyAcademy,which instilled in me honor, integrity, respect, responsibility, and compassion while helping me achieve a higher level ofdisciplineinlife.IgraduatedfromSanClementeHighSchoolin2012 and currently attendIrvineValleyCollege,whereI’vemadetheDean’sList.IplanontransferringtoCaliforniaStateUniversityatFullertontopursue a degree in finance.

IresideinSanClementewithmyson,Hudson, and our four-legged friends.

“The individual investor should act consistently as an investor and not as a speculator.”

– Benjamin Graham

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“Know what you own, and know why you own it.”

– Peter Lynch

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