Living Life to the Fullest at Oakmont Senior Communities

It’s no secret that people today are living longer. At Oakmont Senior Communities in Southeast Michigan, they’re also living better, enjoying the amenities, care and extra touches that make life rich and rewarding.

Oakmont Senior Communities is dedicated to one mission: helping seniors live life to the fullest. “Our residents can count on us for the help and support they need to feel safe, secure and fulfilled in their retirement years,” says Adam Kalaydjian, Director of Operations for the Michigan-based company.

Oakmont has become known for exceptional care in a luxurious setting. Passionate and caring staff, a remarkable dining experience and a full Life Enrichment Program provide our residents with the quality of care they need and the quality of life they deserve.

Recognized nationally for interior design, Oakmont Senior Communities offers studio, one- and two-bedroom apartments that are spacious, comfortable and designed with attention to the smallest detail. Each community has been built with seniors’ needs in mind, featuring 24-hour staffing, daily wellness checks and an emergency response system to provide our residents with peace of mind. Daily maid service, weekly housekeeping, personal laundry services and other amenities allow residents to embrace the life they choose. For seniors requiring a little extra help, health care services are available to assist with medication management, dressing, bathing, grooming, ambulation and personal transportation.

Live Life to the Fullest
With a wide variety of social, educational, cultural and recreational activities to choose from, Oakmont residents have the opportunity to be active, spend time with friends or just curl up with a good book. Each community has its own beauty shop, happy hour bar, exercise and activity areas, library and reflection room, as well as computers and electronic gaming stations. The Life Enrichment Program is frequently updated to reflect the changing interests of today’s seniors.

But what really sets Oakmont apart, Kalaydjian says, is its dedicated, compassionate and highly-trained staff members, who have made it their mission to enhance the lives of residents. “Caring for our seniors, doing everything in our power to make each day the very best it can be, is more than a job to us. It’s a passion.”

Oakmont Senior Communities | www.OakmontCommunities.com

Leading the Way – Transforming Services for Older Adults

Ohio Presbyterian Retirement Services (OPRS), Ohio’s largest not-for-profit provider of continuing care retirement communities (CCRCs) and services, is lending its considerable experience to one of the nation’s most rapidly growing challenges – care of our aging population.

“According to Pew Research, every day for the next 18 years 10,000 baby boomers will turn 65. At the same time, public funding for vital support services is dwindling,” says OPRS President and CEO Laurence C. Gumina. “A transformation in the way agencies, organizations and businesses serve older adults is underway.”

Bringing its 90-year history of expertise to the table in this national discussion is a genuine extension of the mission of OPRS. “As a not-for-profit organization, we are led by values, not the bottom line. Our board of directors has made excellence and quality our top governance priorities. We are committed to meeting and exceeding industry standards and, more importantly, to exceeding the needs of those we serve,” explains Gumina, who has more than two decades of executive experience in the field.

Focus on Value and Partnerships
Headquartered in Ohio, one of the most rapidly aging states, OPRS is a major player in the vital partnerships that hold real promise of improving access to services and providing support for consumers. Serving 90,000 individuals annually in 40 Ohio counties, including more than 6,700 residents in 11 retirement communities, OPRS is well positioned to anchor relationships between Accountable Care Organizations (ACOs), health care providers, hospitals, insurers and others in order to streamline services for the aging at the community level.

“Streamlining care is pivotal to improving patient outcomes and controlling costs,” says Gumina. “When a patient is discharged from a hospital, for example, continuing care is often needed to speed recovery and reduce the risk of re-hospitalization. Likewise, patients who are preparing for treatment, such as orthopedic surgery, benefit from adequate preparation. Our relationships with partners allow us to seamlessly integrate pre- and post-discharge care in one of our rehab facilities, nursing centers or the patient’s own home.”

A diversity of services to care for people in every stage of health is part of OPRS’ value proposition. Most of the company’s 11 campuses offer a full continuum of care with independent living in homes and/or apartments, assisted living, and skilled nursing and rehabilitation. A program unique to OPRS is My Independence, which has been designed to avoid premature moves to assisted living and keep residents in their campus homes as long as safely possible.

In addition to the communities, another OPRS wholly owned subsidiary, Senior Independence, is Ohio’s largest and most experienced not-for-profit provider of adult day center services. For more than 34 years, Senior Independence has been offering transportation, home care, skilled nursing and hospice services in private homes. Senior Independence’s iPartner program provides leadership and support to other affiliated not-for-profit senior living providers throughout the U.S.
OPRS is also pushing the leading edge of technology support, potentially the single most important advance in services for older adults. Innovations include communications via in-house TVs, electronic medical records, and programs like It’s Never 2 Late and Dakim BrainFitness. Additionally, OPRS has electronic medical records in every care setting, which have added to the care efficiencies, improved quality and increased physician satisfaction.

“Today’s market forces demand we focus on value, reform and stewardship,” concludes Gumina. “As a longstanding not-for-profit organization, we are using our leadership to advocate for changes that will, first and foremost, provide security, compassion and quality of life to those we serve.”

Ohio Presbyterian Retirement Services
800-686-7800 | www.oprs.org

Holistic Retirement Planning, Comprehensive Wealth Management

They’re the largest and arguably the most influential generation in history, pacesetters and tastemakers in everything from music to politics, fashion to fitness. Now, as millions of baby boomers move into retirement, they need someone to show them the way – a trusted partner with the expertise and experience to help them make the most of their retirement years. For thousands in the Kansas City metro area and beyond, that partner is Retirement Solutions Group, Inc.

The Johnson County-based firm provides comprehensive wealth management to help clients bridge the gap between planning for retirement and actually retiring, with a focus on guaranteed income planning. While most clients are baby boomers or older – the typical client is 50 to 75 years old – the firm has worked with clients as young as 24. “You’re never too young – or too old – to move into safety,” according to Alan Becker, president.

“We use a holistic approach to make the complicated simple,” Becker says. “We look beyond just income planning to address a wide range of issues that affect retirement, including insurance, tax planning, estate planning, Social Security and Medicare.

“’How can I ensure I won’t need to move in with my kids because I ran out of money? What do I have to pass on? When should I start taking Social Security? Do we need long-term care insurance?’ These are the kinds of questions we address with our clients on a regular basis.”

 ‘Sleep Money’ Provides Peace of Mind
To ensure clients will continue to have an income, even if their assets are depleted, insurance products form the foundation of most of our client portfolios. “We call this ‘sleep’ money,” says Greg Garbeff, wealth manager. “When you wake up in the morning, you’ll have as much money as you had yesterday – or more.* Once enough has been set aside for this purpose, the client can feel comfortable letting any investments grow unencumbered.”

As an independent firm, RSG, Inc. can offer clients a wide choice of products, depending on their needs. “It’s not unusual for us to go out and find a product for a specific situation,” Garbeff says.

“We can relate to our clients’ concerns because we’ve shared many of their life experiences,” Becker says. “Both Greg and I have family members in need of Alzheimer’s care, for example. As we like to say around the office, ‘If we won’t do it for ourselves, our parents or our grandparents, we won’t do it for our clients.’”

110 S. Cherry St., 3rd Floor | Olathe, KS 66061
913-685-9422 | Toll-Free: (866) 633-6039
Email: admin@rsgusa.net
www.rsgusa.net

*Guaranteed no loss of premium is provided by the insurance carriers, not Retirement Solutions Group, Inc. or its affiliated partners and associates, and may vary by product. Investment advisory services by Gary Dahlquist and Greg Garbeff offered through Gradient Advisors, LLC (Shoreview, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. RSG Investments, Inc. is not a registered advisor and is not an affiliate of Gradient Advisors, LLC.

Independent Financial Services Firm Works for Its Clients – and Not a Company

For the second year in a row, Affinity Asset Management has been featured by EMI Network in a special promotional section in Forbes magazine honoring Kansas City Financial Leaders.

Have you ever wondered why your advisor chose certain financial products for your investment portfolio? Surprisingly, it’s a question people rarely ask. But they have a right to, and they should, says Mark Roberts, owner and president of Affinity Asset Management, a full-service investment advisory firm in Overland Park, Kansas.

“All too often,” Roberts says, “we find that people have good investments but not the right combination of investments. In other words, you can have all the right ingredients, but if you mix them together incorrectly or in the wrong proportions, then the end product is not what you thought it would be. How we mix those ingredients is what sets us apart.”

In Roberts’ experience, many investors underestimate the degree of risk in their portfolios. “Many people are not nearly as diversified as they think they are or as they should be,” he says. “People will show me a statement and in their minds they are diversified, but having a lot of investments does not equal diversification. Once we run their portfolio through our analysis, we often find their risk is much higher than they expected it to be. This causes big swings in their portfolio.”

Roberts explains that Affinity Asset Management works for its clients, not a company. “Therefore, we do not have a company that tells us what to sell, or when or how to sell it. We have access to the world of products so we can get clients exactly what they need.”

Roberts and his team reach out to clients for regularly scheduled reviews to update them on their portfolios, any changes that need to be made, and to tell them about any relevant financial, economic and political developments. “This is one of the things our clients like best about our firm,” says Roberts. “Most clients say their previous advisor met with them only once or twice a year.”

‘The Rules to your Money’: 
Tax Strategies for a Financially Successful Retirement
According to Roberts, the key to a financially successful retirement is often a matter of knowing – and taking advantage of – “the rules to your money.”

“We obviously can’t control what the IRS or Congress does,” he explains, “but we can show clients strategies to minimize their income taxes in retirement. Whether you’re working or retired, the earlier in life you design tax strategies, the more you will save in income taxes over your lifetime.” Every new client goes through a financial planning process before any products are discussed.

While Roberts acknowledges that no one has a crystal ball, he believes another market downturn is inevitable at some point in the not-too-distant future. When it comes, his clients will be ready. “We‘re proactive,” he says. “We believe in shifting clients’ asset risk up or down based on their risk tolerance and market conditions. We position ourselves to take clients out of the stock market as we see changes in economic conditions.

“At Affinity Asset Management, our compensation is directly tied to how well our clients’ portfolios perform. That way, we have the strongest possible incentive to manage clients’ money as effectively as possible.”

7400 W. 132nd Street, Ste. 180 | Overland Park, KS 66213
913-381-4800 | Toll free: 877-388-4800 | www.affinityasset.com
Call today to schedule a free second opinion on your portfolio.

Securities and Advisory Services offered through Client One Securities, LLC Member FINRA/SIPC and an Investment Advisor

Seasons of Advice® Offers Disciplined, Proactive, Coordinated Approach to Financial Planning

“People who have been accumulating wealth over the years commonly find they only have a ‘piecemeal’ approach to their finances,” says Certified Financial Planner Robert Meyer, a private wealth advisor with Ameriprise Financial.

Meyer and his team, including financial advisors Gregory Allison, Adam Crews and Brian Meyer, help their clients steer through today’s volatile economic markets. “The key is taking a disciplined, proactive and coordinated approach that addresses your entire financial life,” explains Robert Meyer. “Despite an overabundance of financial information available in the media, investors find they own products and investments that may no longer serve them well and, at the same time, important considerations have fallen through the cracks.”

Meyer and his team have a combined experience of nearly 100 years leading clients through the booms, expansions, recessions and contractions of a challenging economic climate. “Our Seasons of Advice® program is a unique systematic process that is more than just money management,” explains Allison. “It is a process of helping you realize your dreams. It helps you make the right decisions at the right times, based on neuroeconomic principles.”

Seasons of Advice gives families financial decision-making support and creates a blueprint for building, preserving and distributing wealth. “To ensure that each blueprint is customized to meet each client’s specific goals, dreams and desires, one of our knowledgeable advisors will work closely with him or her and coordinate with the entire team of financial professionals in a seamless, systematic fashion,” says Robert Meyer.

Clients meet quarterly, seasonally, with their advisor. The first of the seasons, Goal Tracking, explores how a client is progressing toward goals such as comfortable retirement, fulfilling obligations, funding children’s education, and passing a legacy to future generations and worthy philanthropic causes. The next season is Asset Allocation, the ongoing process of developing and reviewing an investment strategy based on risk tolerance, investment time frame and tax liability. The third season, Mid-Year Reviews, revolves around cash flow, family, security, intergenerational issues and employee benefits. During the final season, Tax Planning, Ameriprise advisors work with the client’s accountants and other professionals upon request to help uncover potential tax savings as well as establish a sound foundation for the new tax year. “We believe this method increases confidence, manages emotions and reduces stress for our clients,” says Brian Meyer.

“We are passionate about developing close relationships with clients, and we’re often called on to help them implement their plan and to be their sounding board on major purchases or lifestyle decisions,” adds Allison. “In many cases, the ultimate compliment occurs when we are asked to continue advising both second and third generations.”

Meyer, Allison, Crews and Meyer
A private wealth advisory practice of Ameriprise Financial Services, Inc.
7450 West 130th Street, Suite 300 | Overland Park, KS 66213 | 913-239-8140  www.ameripriseadvisors.com/robert.l.meyer

Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues. 
Seasonal Client Servicing® is a trademark of HCA Consulting Inc. 
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC.
© 2013 Ameriprise Financial, Inc., All rights reserved.     150939ACMR0113

A New Generation of Wealth Management

Experience is crucial in the world of wealth management. With the financial future of every client at stake, wealth managers clearly have to know what they’re doing. It helps to have already been there and done that – many different ways and many different times.

That would make a good introduction to The Ferguson-Smith Group at Morgan Stanley. Except there’s more.

Today’s financial environment is no place for the slow and passive. Times change. Regulations change. Products change. Technologies change. It takes insight, energy and drive to stay ahead of the game and keep clients happy. It takes a fresh, vigorous approach from a team that’s eager to learn and prepared to make a difference.
As you might expect, that team is The Ferguson-Smith Group at Morgan Stanley.

“Whether you talk about our experience or our fresh approach,” says Dianna Smith, Senior Vice President, “we’re all about doing all we can to help ensure our clients are financially secure. That starts with superior investment expertise and processes. Unlike many wealth management firms, we manage the majority of our clients’ assets ourselves, through a holistic, hands-on portfolio management process. And we make use of the latest technology every step of the way.”

A Group That Definitely Has the Smarts
The intellectual capital of this group is quite impressive. The core team has been together for 12 years and has many years of experience “The investment management process has been commoditized and institutionalized over the past decade, but not at The Ferguson-Smith Group,” says Scott Ferguson, Executive Director. “Individual client goals, not institutional benchmarks, are paramount to every member of our team.”

The Ferguson-Smith Group continues to invest in its future – and its clients’ futures – by bringing in new talent. In the past two years a private banking specialist and two new associates have been added. When a strategy calls for an outside money manager, the group is free to choose from experts who have demonstrated outstanding skill and talent. As always, Morgan Stanley offers excellent products and resources to fulfill client needs, just what you would expect from an established industry leader.

The Ferguson-Smith Group has cultivated a multigenerational client base. “We look forward to being around for a long time, serving our clients and their children,” says Smith. “We work with a lot of high-net-worth individuals, and we know how to treat their assets differently from, say, the assets of an institution. Our holistic wealth management process fits ideally with the timelines and events of people’s lives.”

For this group, the bottom line is people. “We love our clients and work hard to see them succeed,” Smith adds. “We want to be a part of achieving their goals, hopes and dreams. We use everything we know and everything we have to help each one create the best possible life and legacy.”

The Ferguson-Smith Group at Morgan Stanley
11161 Overbrook Road, Suite 225 | Leawood, KS 66211 | 913-402-5287 800-558-9146
www.morganstanleyfa.com/thefergusonsmithgroup

Scott Ferguson is a Financial Advisor/Private Wealth Advisor with the Wealth Management division of Morgan Stanley in Kansas City. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC, Member SIPC  www.sipc.org. Morgan Stanley Financial Advisor engaged EMI Network Inc. to feature this promotion in Forbes. Scott Ferguson may only transact business in states where he is registered or excluded or exempted from registration http://brokercheck.finra.org/Search/Search.aspx. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Scott Ferguson is not registered or excluded or exempt from registration.

Deeply Invested in 
Providing Excellent Service

In the financial services industry, words like stability, integrity and commitment are frequently used. The more they’re used, however, the less meaningful they seem.

Not so at Keating & Associates.  The firm has been helping individuals and business owners bring order and purpose to their financial lives since 1975. Keating & Associates now comprises six offices and 52 associates nationwide. Several advisors who have been with President and CEO Pat Keating from the firm’s inception have children who have since joined the team.

Clients, too, remain remarkably loyal. They have entrusted the firm with personal and business assets in excess of $600 million as well as $1 billion in life insurance benefits. And they alone have driven Keating & Associates’ evolution—its capabilities, its service model and its leading innovations.

Refining the Art of Wealth Management
Balancing personal and professional life is one of the greatest challenges small-business owners face. Facing that challenge himself, Keating developed the Entrepreneur Navigator SystemTM to help clients coordinate their affairs and take charge of their financial goals. At the same time, he introduced Future Success BuilderTM, an individual financial planning tool with similar mechanisms and aims.

Both systems, which have evolved with changing economic realities, gauge clients’ unique concerns and precisely map their financial circumstances. This allows the firm’s advisors to custom design and administer truly holistic plans—investments; life, long-term care and disability insurance; nonqualified benefit plans; and trusts and estates—in coordination with clients’ outside advisors.

Professional Knowledge, Personal Understanding
In addition to Keating & Associates’ wealth of collective experience, its advisors place a high value on continuing education to enhance their knowledge and service. Many hold multiple industry certifications, including Chartered Life Underwriter (CLU®), Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC®) and Certified Financial Analyst (CFA).

According to Keating, the value he and his colleagues place on family carries into their client engagements.

“We share the same concerns as our clients—how to balance work and family. We understand what’s important now and what matters going forward.”

Manhattan | Lawrence | Overland Park | Wichita | Chicago | Edmond, Okla.
In Kansas City: 913-663-2385 | 10985 Cody St., Suite 118, Overland Park, KS 66210

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Keating & Associates, Inc. is an independent firm.

Aggressive Litigation, Skillful Resolution

When a chartered bus crashed in Georgia, killing seven and injuring 28, insurance companies resisted paying claims due to a dispute over commonly used policy language. The Ohio law firm of Connelly Jackson & Collier (CJC Law) was there to help. The Toledo-based firm took the lead in an appeal to the Ohio Supreme Court, making available $21 million for the victims of this tragedy.

When residents of a northern Ohio community grew tired of noxious odors and significant environmental problems associated with a large egg production facility, Connelly Jackson & Collier stepped up to help. The result: a negotiated settlement for $50 million.

For 35 years, Connelly Jackson & Collier has specialized in resolving complex civil disputes, whether through aggressive litigation or skillful negotiation. Founded by former federal prosecutors, CJC Law boasts more trial experience than most litigation firms its size.

“Many corporations are reluctant to take a case to trial because of things that can go wrong,” says Reg Jackson, senior partner. “We know how cases get worked up by federal or private investigators. We have learned where to look and what rocks to turn over. We understand what evidence is needed to prove a case. That knowledge is applicable in both white-collar criminal cases and civil cases.”

Jackson has overseen the civil prosecution of major fraud cases, breach of contract disputes and minority shareholder claims involving well-known banks, insurance companies and government agencies. Steven Collier is a recognized and experienced personal injury trial lawyer who has long been included in The Best Lawyers in America. Steven Smith and Janine Avila have long fought to successfully secure insurance coverage for corporations and individuals. Buzz Roberts has more than 35 years of experience representing creditors in bankruptcy proceedings.

CJC Law’s clients range from multinational corporations to individual citizens.  The firm regularly encounters David versus Goliath-type battles with powerful federal agencies, large law firms and well-funded opponents. Practice areas include complex business litigation, insurance coverage, white-collar criminal defense, personal injury and more.

“Our expertise is resolving disputes,” Jackson says. “We are passionate about helping clients achieve positive results, whatever the circumstances may be.”

405 Madison Avenue, Suite 2300 | Toledo, OH 43604
419.243.2100 | 800.441.3803 www.cjc-law.com

CLIENT-CONFLICT AND BOUTIQUE 
LITIGATION FIRM
Shea, Coffey & Hartmann Excels at the Most Complex Litigation

Conflicts are inevitable in the closely intertwined worlds of law, business and finance. Law firms, especially larger ones, often have to turn down representation because a client in another matter is a party to the new litigation. Or perhaps someone at the firm has a relationship with the opposing party.

When conflicts like these arise, law firms throughout Southern Ohio turn to Shea, Coffey & Hartmann (formerly Shea & Associates). The highly recognized, Cincinnati-based boutique litigation practice has a proven track record in the most complex litigation involving banking, professional misconduct and malfeasance, product liability, contracts, corporate collection, will contests, federal regulations and many other matters.

“We may be small, but we have handled many cases involving millions of pages of documents and millions of dollars,” says Joseph W. Shea III, senior partner. “And if we represent a conflict-client case, the client’s firm can rest assured that the client will be back once the case is over. We are designed to handle a specific matter and move on, not to be a full-service provider.”

Shea, Coffey & Hartmann accepts only eight to 10 new cases a year, allowing the attorneys to give each case the attention it requires and deserves. The firm has extensive civil and criminal litigation experience, having tried over 100 civil jury trials and prosecuted 50 major felony cases to a conclusion.  “We’re not a bunch of quasi trial lawyers who are really mediation specialists,” Shea says. “Preparing a case to settle leaves the client unprepared when the opposing side prepares for trial. The best strategy for settlement is making it clear that your case is being prepared for trial. We’re people who actually go into the courtroom and put on a well-prepared case, and that reputation tends to get things resolved early.”

300 Court Index Building
119 West Central Parkway
Cincinnati, OH 45202
513.621.8333
www.shealaw.com

NOT YOUR TYPICAL PREEMINENT LAW FIRM
Statman, Harris & Eyrich Offers Experience. Determination. Results.

There are many things to be said for working with a large, national law firm. But hands-on involvement from senior-level attorneys is rarely one of them.

On the other hand, if regular partner involvement is something you’d like to have – along with national-quality expertise – there is a place that offers all that and more. In fact, there are five places: the offices of Statman, Harris & Eyrich LLC, strategically located in Cincinnati, Dayton, Chicago, Detroit and Sarasota. The firm offers its clients the experience and resources to handle even the most complex legal issues and strives to resolve those issues with determination and maximized results.

“National and worldwide experience separates us from other firms our size and many that are much larger,” says Alan J. Statman, managing member. “Our outstanding name recognition with the legal community and the courts also works to our clients’ advantage. We employ a larger percentage of women lawyers than most other firms, and our lawyers come from very diverse socioeconomic backgrounds.”

With Results Comes Recognition
The firm has won many multimillion-dollar verdicts and settlements over the years, including the Verizon class action suit and the Boulder Growth and Income Fund settlement.  It has also won numerous awards, accolades and distinctions. Statman, Harris & Eyrich was named by Fortune as a go-to law firm for representing Fortune 500 companies. In addition to Statman earning the highest 10/10 AVVO rating, the firm itself is AV rated, as are approximately one-third of its lawyers. The firm’s attorneys are also represented as Super Lawyers® and in the Multi-Million Dollar Advocates Forum, Top Trial Lawyers in America and the Litigation Counsel of America.  In addition, the firm has been recognized as one of the top-ranked U.S. law firms of 2013 by LexisNexis®  Martindale-Hubbell®. This recognition is a reflection of the firm’s expertise, experience, integrity, overall professional excellence and ethical standards.

“Clients often come to us because they are frustrated with their legal situation or their current representation,” says Statman. “We help level the playing field. It’s part of our single-minded dedication to achieving our clients’ goals: positive results.

“Our attorneys benefit from direct client contact and the opportunity to see a project through from start to finish,” says Statman. “Plus, we have a level of camaraderie and an easygoing demeanor that help us work together effectively. This is a law firm where we actually like each other.”  This plays a huge part in the office and for clients.  When the attorneys’ goals are focused on the firm and not the individual, everyone wins.

3700 Carew Tower | 441 Vine Street | Cincinnati, OH 45202 | 513-621-2666
www.statmanharris.com

SIXTY YEARS STRONG, RENOWNED FIRM 
CHARGES AHEAD

The most successful law firms are those whose cultures radiate. Their cohesion, rigorous standards and forward-thinking initiatives manifest in the many ways they serve their clients and communities.

Strauss Troy Co., LPA, one of Greater Cincinnati and Northern Kentucky’s premier business law firms, is a prime example. Founded in 1953 and serving clients across the country in a wide range of business-oriented practice areas, Strauss Troy has purposefully cultivated a winning culture. That culture has become the firm’s trademark—and the means by which it has achieved an impressive record of legal and business success.

Fully Immersed in the Businesses It Represents
For public, closely-held, family-owned and startup companies alike, growth and success depend on fundamentally-sound business strategies that address more than just a particular legal issue at hand. By knowing each client’s business inside and out—its people, its culture and its industry challenges—Strauss Troy offers holistic solutions with long-term impact.

“As a business law firm, we’re sensitive to our clients’ needs,” says Strauss Troy President Jim Heldman. “Our function is to understand where they are headed and help them succeed.”

“I’ve dealt with a lot of law firms over the years,” notes Tom Fahey, vice president of Lamar Advertising, a Strauss Troy client for 11 years. “Strauss Troy attorneys are responsive and accessible, get to work quickly and have a good track record of success with us. Ultimately, that’s the best measuring stick.”

Thanks to its impeccable work product and extraordinarily responsive service—provided at reasonable rates (well below those of most East Coast firms)—Strauss Troy has attracted clients from coast to coast who were once represented by opposing counsel. Adds firm shareholder Richard Colvin: “In this profession, there’s no greater compliment.”

Seizing Opportunities Wherever They Lie
Strauss Troy’s entrepreneurial spirit has proven highly advantageous to both its clients and its market position. Throughout its history, the firm has nimbly adapted its capabilities, communication technologies and service approach in order to serve businesses’ ever-changing needs.

“We see opportunities, even in challenging times,” says shareholder Rick Wayne. “During the market downturn, for example, we aggressively sought and hired leading attorneys whose specialties would complement or enhance our team—all with an eye toward helping clients navigate this new, changing terrain.”

“We’re proactive problem solvers,” says Colvin. “Here, there are no cookie-cutter answers. We’re not interested in telling clients what they can’t do; we tell them what they can do and how to get there.”

The Federal Reserve Building | 150 East Fourth Street | Cincinnati, OH 45202
513-621-2120
50 East RiverCenter Boulevard | Suite 1400 | Covington, KY 41011
513-621-8900
www.strausstroy.com

TRIAL LAWYERS OF CHOICE,
ACCORDING TO THEIR PEERS
James E. Arnold & Associates, LPA

For complex or contentious business matters that seem destined for trial, only experienced and capable litigators will do. Finding the best lawyers starts with reading client and peer reviews. A client’s praise is important; a fellow lawyer’s is likewise telling. Together, they speak volumes.

The trial lawyers of James E. Arnold & Associates, LPA continue to earn praise and trust from all quarters. As veterans of larger firms, they have dedicated their careers to excelling in the courtroom. Their record of success not only attracts individuals, businesses and co-counsel requests from across the Midwest and beyond, but also draws a large number of their peers facing thorny legal issues.
“I think the trust our peers place in us is a testament to our insight and dedication,” says founding partner James E. Arnold. “We are trial lawyers who have seen and done it all.”

A Dominating Force, No Matter the Challenge
James E. Arnold & Associates tries more cases per capita than many large firms. In fact, when larger firms’ institutional clients are unable to settle, they are often referred to Arnold’s team for trial work. Regardless of the issue at stake—be it securities, ESOPs or ERISA, breach of contract, a failed business partnership, fraud, a tax or insurance dispute, or something equally grave—the firm deftly applies its advanced procedural expertise.

“Trial work is trial work,” Arnold says. “The rules of evidence and civil procedure apply as an overlay to every case, regardless of the underlying issue. We bring these skills to bear in every matter we try.”

A Trial Lawyer’s Work Is Never Done
Arnold takes pride in the firm’s unusually strong work ethic. When trial looms, he says, cases invariably demand the full attention and dedication of every participating attorney.

“I can’t imagine clocking out at 5:00 or 6:00 in the evening in the days leading up to trial,” he says. “We don’t stop preparing for trial until the trial is over.”

115 W. Main Street, Fourth Floor | Columbus, OH 43215
800-777-7574 | www.arnlaw.com

Rich Tradition Of Excellence Preparing Our Students to Find Innovative Solutions for the Marketplace

Upper Iowa University has been preparing graduates to find innovative solutions in the marketplace for over 150 years. During this time, Upper Iowa has produced a long and distinguished list of alumni that includes: Carleton Magee, patent holder of the parking meter; John C. Baker, inventor of enriched flour and holder of numerous patents; and Bill Andres, former CEO of the Target brand.

Upper Iowa University is proud of this rich tradition, which comes from the faculty’s dedication to creating and maintaining a high-quality learning environment. In this practitioner-focused environment, students will develop the critical thinking skills they need as professionals in the 21st century marketplace.

The UIU MBA was developed to provide busy professionals with an opportunity to gain the knowledge, skills, and abilities they need to advance in their chosen career fields. For this reason, students choose one of the following concentrations within the MBA program: accounting, corporate ἀnance, quality management, global business, human resources, or organizational development.

All classes are taught by highly qualified faculty – true scholar practitioners. Over 90 percent of the MBA faculty have earned a related doctoral degree and all have significant professional experience. Geteducated.com has recognized the Upper Iowa University MBA as a Best Buy, citing its high-quality, affordable graduate education.

One important characteristic of a practitioner-based program is whether students have an opportunity to apply classroom knowledge in the real-world. Faculty in the MBA program strive to provide students with real-world opportunities through case studies, simulations, and the development of course projects. MBA students also have the opportunity to utilize their abilities by joining Enactus – a community of student, academic, and business leaders committed to using entrepreneurial action to transform lives and shape a better, more sustainable world. Students may also benefit from the UIU partnership with the Iowa Association of Business and Industry.

Upper Iowa University looks forward to continued success in preparing graduates to find innovative solutions to opportunities in the marketplace.

800-553-4150
www.uiu.edu/forbesOn Campus
Online  •  Independent Study  •  U.S. & International Centers

Beyond Traditional CPA Role –
Honkamp Krueger Is Year-Round Business Partner

Why did owners and managers of small to mid-size entities (SMEs) give themselves “high fives” when Accounting Today ranked Honkamp Krueger & Co., P.C. the nation’s 88th largest CPA and business advisory firm? “Why not?” asks managing partner Gregory C. Burbach, CPA, CFP®. “They helped design our services by telling us what they needed to enhance their profitability and gain market share.”

Supporting start-up companies, sole proprietorships and established corporations has been a tradition for Honkamp Krueger since its founding in Dubuque, Iowa in 1947. Through the years, it has added to its core accounting services in response to the changing demands of SMEs who were searching for new ways to boost financial performance, but who didn’t have in-house resources in such fields as budgeting, HR, marketing, IT, and more. As a result, Honkamp Krueger has become the second fastest growing accounting firm in the Midwest and the largest independent CPA firm headquartered in the state of Iowa, with thousands of clients nationwide. The company serves privately-held organizations, Fortune 500 multinationals, franchisor organizations across all industry sectors, government agencies, individuals and not-for-profits.

Honkamp Krueger breaks the mold of accountants who make their appearance only during tax season and at audit time. “We bring value to the table by becoming our clients’ trusted partner for year-round, long-term issues,” explains Burbach, a 30-year veteran of the tax and management advisory industry. “Senior executives can concentrate more on their mission critical activities because our professionals work as a team to offer truly customized support at whatever level a client needs. We provide practical, proactive solutions and guidance to help them stay on course with their business and financial goals. Clients feel free to call us whenever they have a question or concern. We go above and beyond the expected to become true partners.”

“As entrepreneurs with a diverse portfolio, our companies are spread out in many different industries. It was very important for us to partner with a vendor who understands all of our different businesses and their demands,” says Chintan, a multiunit franchiser. “Honkamp Krueger has always been able to deliver the results that I require in order to be better able to ‘juggle all of my hats.’ From quick and responsive turnaround to personalized attention, HK delivers the best service in the industry.”

563-556-0123 | 888-556-0123 | honkamp.com
One of Des Moines Register’s 2012 Top Workplaces in Iowa 2012 | Dubuque Chamber of Commerce Employer of the Year 2012

Passionate About Your Success
Two Rivers Bank & Trust Is Your Bridge to the Future

When was the last time you sat across from someone who was passionate about your success? And not just anyone, but a banker who could approve your home mortgage or business loan quickly and efficiently?

It’s an all too rare experience for most people – but not for customers of Two Rivers Bank & Trust. “At Two Rivers Bank & Trust, we’re passionate about the communities we serve and helping our customers achieve success,” says President Kent M. Gaudian.

Based in Southeast Iowa, with branches across the state, Two Rivers Bank & Trust offers local decision making by financial professionals who take the time to understand the people and the stories behind the numbers. “We think that provides a better solution for the customer than a centralized process,” Gaudian says. “Our customers are our friends and neighbors, people we see every week at church or serve with at the Chamber of Commerce. We truly want to help them whenever and however possible.”

Two Rivers Bank & Trust is a wholly owned subsidiary of Two Rivers Financial Group, which provides insurance and investment services in addition to traditional banking services.

Personal Service 
Beyond Expectations
Dedicated to providing the best solutions for its customers, the bank was among the first to offer iPhone and Android apps for mobile banking. Commercial customers love the convenience of an innovative service called Credit Stream Remote Deposit, which allows them to make deposits electronically, without leaving their offices.

Ultimately, it’s all about being “engaged, trustworthy and open-minded,” Gaudian says. “At Two Rivers Bank & Trust, we treat people as we would like to be treated ourselves. We listen to our customers’ needs and find solutions to their most pressing financial challenges. We take pride in offering personal service beyond expectations.”

222 N. Main St. | Burlington, IA 52601 | 319.753.9100
www.tworiversbank.com
Two Rivers Bank & Trust has 14 locations serving Southeast Iowa, the Des Moines Metropolitan Area, 
the Iowa City-Cedar Rapids Corridor and the Quad Cities.

Grinnell Mutual’s Tradition to Serve Rural Communities Continues

Safeguarding a family’s independence in the 21st century is as much of a priority as it was in the mid-1880s. Then, Midwesterners agreed to band together to protect themselves against disaster by forming mutual insurance associations. “Today’s FarMutual® farm and county mutuals continue to offer a powerful strategy that allows their policyholders to control their own mutual fund,” explains Grinnell Mutual President and CEO Larry Jansen. “Farm mutuals are completely independent and governed by their own policyholders, who often serve as directors on the mutual’s board. The decision makers are your neighbors, members of your church, or your child’s little league coach, not an automated Web-based system or large national corporation.”

Grinnell Mutual has been a part of the FarMutual tradition for more than 100 years. The Grinnell, Iowa-based firm is the largest primary reinsurer of farm mutual companies in North America, partnering with and reinsuring 291 FarMutual organizations in Illinois, Indiana, Iowa, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Oklahoma, Pennsylvania, South Dakota, and Wisconsin.

“By reinsuring the farm mutual companies, we protect their policyholders’ assets and ensure the financial stability of their organizations,” explains Jansen. “Each farm mutual has less exposure, limiting the total loss a disaster would cause and allowing it to cover clients who would otherwise represent an overly large burden.”

Local Access to Decision Makers
Because decisions are made close to home by people who live here, FarMutual agents don’t need to be brought up to speed in order to understand the needs of rural communities in the Midwest. They have the luxury of being able to customize coverage for home, farm, business, vehicle, and liability.

Policyholders also find it easy to talk to their local agent after the sale when special circumstances arise or to file a claim easily and efficiently. Through the FarMutual 24-hour claim hotline, the claims process can begin any time. In the aftermath of severe storms, Grinnell Mutual’s Catastrophe Adjuster Teams provide on-site claims adjusting.
A-rated by A.M. Best for more than 20 years, Grinnell Mutual also provides direct lines of insurance. A network of 1,600 independent agents offers personal lines of insurance (auto, sport vehicles, and liability insurance) as well as commercial insurance lines, farm liability, and crop hail insurance.

“Throughout our company’s history, we’ve always focused on America’s Heartland,” says Jansen. “Protecting rural neighborhoods is not an afterthought with us. It’s always been our mission.”

4215 Highway 146 South | P.O. Box 790 | Grinnell, IA  50112-0790
800-362-2041 ext. 2455  | www.grinnellmutual.com4215 Highway 146 South www.grinnellmutual.com

TEACHING, LEARNING, MAKING A DIFFERENCE
JFR Financial Services Helps Clients Succeed

In high school, John Robbins’ first job was teaching tennis lessons. His favorite group was the housewives, in part because he learned from them. Although they had no aspirations to join the pro tour, they loved getting better, and he loved being part of their success.

Many years later, as owner of JFR Financial Services, Robbins still loves teaching – and learning. He enjoys helping and motivating people to take the next step. He connects with his clients in a plainspoken, Midwestern way, helping them to not only understand what he’s doing, but to feel relaxed and confident about it.

“While many in our industry struggle with the definition of ‘fiduciary,’ we at JFR are very comfortable with that responsibility,” says Robbins. “As a Registered Investment Advisor (RIA), our job is to manage our clients’ finances as we would our own. Every plan we develop for a client or business is based on three fundamentals: Spend less than you earn; be or become debt free; and ‘Divide your portions’ (aka diversify). Like a winning sports team, when you focus on the fundamentals, the odds of victory are greatly improved.”

WITH EXPERIENCE COMES WISDOM
While the Internet has made knowledge a commodity, wisdom, according to Robbins, is still sold separately. Few financial advisors anywhere can match his background and accomplishments as a CERTIFIED FINANCIAL PLANNER™ practitioner with an MBA in finance, a BA in economics and 28 years of financial planning experience. Robbins and the entire staff at JFR work hard to be the best at what they do, keeping up with the latest developments in the world of finance.

“While it’s part of the American dream, less than 5 percent of Americans are financially independent,” says Robbins. “We want to fix that. We enjoy simplifying our clients’ finances so they can better enjoy life. When clients first come to us, there is no cost or obligation for their initial consultation and financial profile. It’s our way of introducing ourselves. If they want to implement the recommendations; then we talk about the cost.”

Robbins and his firm place a priority on building strong relationships based on trust and communication. “We can sleep at night knowing we always put our clients first,” he says. “There are thousands of people who are better off today thanks to us being here for them and their families. In life, and especially in this business, there’s always something new. As someone who loves to learn, my position allows me to use what I’m learning each day to help others. That’s what I love most of all.”

JFR Financial Services, Inc. | 3133 Van Horn Road | Trenton, MI 48183 | 734-692-1421 | www.jfrfinancial.com

Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through JFR Financial Services, Inc., a Registered Investment Advisor and separate entity from LPL Financial. Securities products are not guaranteed and are subject to risk, including the possible loss of principal.

CONFIDENT RETIREMENT PLANNING BEGINS WITH PROFESSIONAL, INDEPENDENT GUIDANCE

Even though the volatility of today’s economic market is unprecedented, one long-proven strategy consistently places investors in the best place to reach their retirement goals: Develop a personalized plan and measure results regularly. “Sometimes the hardest part about getting objective, professional guidance is picking up the phone and scheduling the first meeting,” explains Kathy Colby, Founder and President of Financial Independents, Inc.

The road to retirement has been Colby’s single focus for almost 30 years. Creating a successful financial plan isn’t time consuming or painful. “Unlike similar systems, our retirement software doesn’t promote any particular products. In about an hour and a half, clients can walk out of our offices with a practical, easy-to-understand Retirement Road Map based purely on where the math takes them. Then we talk about what needs to be done to make the plan actually happen and why. It’s not all about investment performance. That’s the advantage of working with a truly independent financial advisor,” explains Colby.

The clear, reasonable and honest advice given by Colby creates confident investors who develop long-term relationships with Financial Independents. In addition to the Retirement Road Map that covers every phase of retirement planning, from asset accumulation to distribution, the professional staff offers comprehensive financial services. Colby carefully explains all options and individually manages client portfolios to accomplish optimal asset allocation, proper diversification, flexibility to control transaction costs and efficient tax strategies.

“It’s never too early to start planning, and it’s never too late,” adds Colby. “Yet so many people feel they don’t have enough assets or that they have enough information from the media to be able to make investment decisions on their own – without even the benefit of hearing a second opinion! An independent financial advisor is an important sounding board for making decisions and provides a level of confidence that allows you to sleep at night.”

Registered Investment Advisor | 15851 South U.S. 27, Building 80, Ste. 82 | Lansing, MI 48906 | 517-484-4884 | www.retirementlady.com

Securities offered through Dominion Investor Services, Inc. Member FINRA & SIPC.

RETIREMENT PLANNING FOR TURBULENT TIMES

O’Neill Blausey Hartsock Group at Morgan Stanley

Planning for retirement has never been more challenging. Tax rates and rules are changing. The economy sputters. Increasingly, companies are offering less and demanding more from their employees. The wrong decision concerning investments can have long-term, irreversible consequences.

“The way the markets have been for the past 10 years, people are understandably nervous,” says Pat O’Neill, CFP®, a partner at the O’Neill Blausey Hartsock Group (OBHG) at Morgan Stanley in Farmington Hills, Michigan. “Our goal is to develop a plan to determine when the client wants to retire, and make sure he or she has enough to reach that goal.”

OBHG’s moderate- to high-net-worth clients include business executives and owners, including those who have left the automotive industry. Many auto employees in Michigan are faced with a choice of keeping their pension or accepting a lump-sum buyout, an issue about which OBHG’s advisors are particularly knowledgeable.

“Retirement planning becomes very personal regardless of your assets,” says Bradly Blausey, CFP®, OBHG’s vice president. “It never seems like enough. Our goal is to discuss and weigh all the variables including life expectancy of the retiree and spouse, lifestyle, risk tolerance and family legacy.”

As Morgan Stanley advisors, OBHG enjoys the support and resources of one of the world’s most successful investment firms. OBHG provides the high level of attention their clients deserve. Each plan is tailored to the client’s unique circumstances and goals. OBHG offers a wide variety of options.

“Many wealth management firms tailor their clients’ investment portfolios, but lack true customization,” says partner Bill Hartsock, CFP®. “We structure the portfolio to fit our clients’ needs. We want our clients to understand what investments they own. With understanding comes comfort.”

With approximately $200 million in assets under management as of 11-15-2012 and vast experience, the OBHG team members – each one a Certified Financial Planner™ – have guided clients through all types of market conditions. Members of the Group make themselves available to speak to Michigan’s most respected companies, to help take the worry out of their employees’ retirement planning.

“Clients put their trust in us,” O’Neill says. “We are managing one of the most important aspects of their life, besides their families. We take that responsibility very seriously.”

35055 West 12 Mile Road | Suite 101 Farmington Hills, MI 48331 248.848.8780
855-209-8113 | www.morganstanleyfa.com/obhgroup

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Morgan Stanley, its affiliates, Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used, and it cannot be used, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Patrick O’Neill, Bradly A. Blausey and William Hartsock are Financial Advisors with the Wealth Management division of Morgan Stanley in Farmington Hills, Michigan. The views expressed herein are those of the author and may not necessarily reflect the view of Morgan Stanley Smith Barney LLC., Member SIPC, www.sipc.org. Morgan Stanley Financial Advisors have engaged EMI Network to feature this promotion in Forbes magazine. They may only transact business in states where they are registered or excluded or exempted from registration, www.morganstanleyfa.com/obhgroup. Transcending business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where they are not registered or excluded or exempt from registration. The strategies and/or investments referenced may not be suitable to all investors. Morgan Stanley Smith Barney LLC. Member SIPC.

EXCELS IN DEVELOPING STRATEGIES TO BUILD AND PROTECT CLIENTS’ WEALTH

Whether wealth is an accumulation from years of successful business ownership or it arrives suddenly, challenges in managing it are inevitable.

Successful management demands thorough understanding of the client’s situation, deep knowledge of investments, and a firm guiding hand to develop a program and keep it on course. JVL Associates brings those qualities to the service it provides prosperous individuals and families, who may include owners of small businesses, multigenerational families, and sudden recipients of assets through sale of a business, inheritance or divorce.

To Jerry VanderLugt, CPA, CFP®, principal and founder of the firm, “strategy” is the key concept, the constant in a world of changing circumstances, and he is an accomplished strategist. One effective approach to wealth management that JVL often employs – ably navigating the complexity and extensive regulation involved – is to create family investment companies to pass wealth across generations. “By pooling these resources, putting them in a family investment trust, or LLC, we do all of the work to allow them to benefit from that strategy,” VanderLugt says.

Such entities may bring in investors’ children and grandchildren, and the investments may be in traditional stocks and bonds, but also could be in areas that younger investors might otherwise not have considered. “This is why people come to JVL for wealth management,” VanderLugt says. “We create a customized plan. And we execute it with a long-view orientation – sophisticated wealth management along with tax advantages. We help people grow their wealth and protect it.”

Once the strategy is decided, the firm can handle large issues and day-to-day operational matters. As an example, when a client wants to invest in a real estate project, JVL can work with the general contractor, handle financing, manage accounts, and provide accounting services for the company. VanderLugt often acts as trustee of trusts and as manager for clients’ LLCs.

Initially, clients meet with JVL Associates to evaluate where they are, and where they want to go. This is particularly important when developing an estate plan and determining what strategies will best fit their particular situation. JVL can implement their selected strategies and, over time, periodic and regular reviews assure that programs are on track.

By combining his accounting and tax experience as a CPA with his investment planning experience as a CERTIFIED FINANCIAL PLANNER™, VanderLugt provides answers for high-net-worth families who come to him with questions about their portfolios and related tax matters. “We help families perpetuate their assets for multiple generations. That’s where we’ve really been able to help our clients succeed.”

1535 44th St SW, Suite 400 | Wyoming, MI 49509 | 616-261-2800
www.jvlassociates.com

THE POWER OF TRUE INDEPENDENCE
AQuest Wealth Strategies

AQuest Wealth Strategies was founded in April 2009, at the depth of the Great Recession.

“The country was hurting, and our clients in Michigan were feeling the pain more than most,” says Justin Hulett, partner at AQuest. The AQuest consultants realized that something different was going to be required to help clients recover from the “new normal” economic malaise. With this in mind, AQuest Wealth was founded on two guiding principles: offer truly independent advice free from conflicts of interest and create holistic strategies based on every facet of a client’s financial life.

TRUE INDEPENDENCE
The AQuest consultants are independent wealth managers with LPL Financial, the largest independent broker/dealer in the United States for the last 16 years (based on total revenues as reported by Financial Planning magazine, June 1996-2012). AQuest does not offer any proprietary securities or insurance. James A. Clark, partner at AQuest Wealth, says, “Unlike the big Wall Street firms, we are under no pressure to push certain products, or to fulfill any sales quotas.” AQuest offers its clients tailored, truly unbiased advice.

TOTAL WEALTH MANAGEMENT
When was the last time your CPA, estate planning attorney and wealth manager sat around a table and discussed how to optimize your financial situation? This scenario takes place frequently at AQuest, as the firm’s consultants typically confer with outside CPAs and estate planning attorneys. “By understanding the interdependence of your financial aspirations and the resources available to apply to those goals, we are able to help you maximize the allocation of your resources,” says Jason Van Duyn, president of AQuest Wealth.

As the AQuest reputation for true independence and total wealth management has grown, so has the company. Since 2009, AQuest consultants have quintupled the assets they manage to $70 million.

44028 Mound Road, Suite 4 | Sterling Heights, MI 48314 586-731-6020 | www.aquestwealth.com

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Accounting and legal services are not offered by AQuest Wealth Strategies or LPL Financial.

CUSTOMIZED FINANCIAL PLAN IS KEY TO PEACE OF MIND
Mattson Financial Services, LLC

Focusing on the importance of clients’ lifestyle choices rather than on their money is what drives Gary Mattson’s distinctive personal approach to financial planning. “Clients are often surprised when we turn the conversation away from their financial statements,” explains Mattson, CEO of Mattson Financial Services, LLC. “We customize everything we do for our clients. We always ask, ‘What matters the most to you in life?’ A personalized financial plan will start with an understanding of the client’s dreams, goals, desires and risk capacity. We help our clients define their goals and then craft short-, mid- and long-term individualized plans to assist in getting them where they want to be.”

A 36-year veteran of the financial industry, Mattson has built a reputable career by creating flexible plans with confident and satisfied investors. The recipient of the Strathmore Who’s Who Financial Professional of the Year Award, he is most valued for a practical, common sense approach to addressing all aspects of their financial lives.

“We create a financial plan for each client constructed specifically for their retirement income. Each plan includes a complete taxation review and investment strategies to assist clients in meeting their financial objectives and leaving their wealth to those people and causes they care for the most.” Mattson also explains that his process includes personally reviewing clients’ portfolios to insure proper diversification and risk capacity. “Our goal is to have clients leave with a clear understanding of our holistic approach, as well as its benefits, and a financial road map for accomplishing their plan. We try to ensure that when life changes, as it inevitably does, our clients are adequately prepared. Their peace of mind is assured, for they know that a well-defined plan of action is already in place for them as they transition through each phase of retirement: alive and well, alive and not well, and not alive.”

Through the years, Mattson recognized that some clients’ ability to feel comfortable retiring was hindered by the lack of vital professional support. Gary Mattson has an affiliated company with Lakeview Tax and Financial Group, LLC for tax planning, preparation and filing. Professional money management is provided through Gradient Investments, LLC, whose 20 proprietary portfolios are managed by Chief Investment Officer Wayne Schmidt, CFA, MBA.

Ultimately, trustworthy and responsive service is The Mattson Group’s trademark. “Our clients appreciate that we are benefit driven, not product driven,” explains Missy Livasy, Mattson’s VP of Operations. “When they call, they reach a live person. We respond to any questions within 24 hours. That’s our promise! We contact clients several times throughout the year for meetings to review and update their financial plan.”

“Our biggest compliment is the trust we’ve earned,” adds Mattson. “We are honored when clients value our advice on a breadth of issues including major purchases or lifestyle decisions and pass us on to their family and friends.”

1507 Plainfield Avenue NE | Grand Rapids, MI 49505 | 616-514-3831 | 800-536-8907 www.mattsonfinancial.com

Mattson is an Investment Advisor Representative. Holds licenses in Life, Health and Variable Products, and holds series 6, 63, 65, 26, and 24 registrations. Fee based financial planning and investment services are offered by Mattson Financial Services, LLC, Registered Investment Advisor in the State of Michigan. Insurance products and services offered through Lakeview Financial Group, LLC. Securities are offered through Gradient Securities, LLC (Shoreview, MN 866-991-1539). Member FINRA/SIPC. Mattson Financial Services, LLC and its affiliate Lakeview Financial Group are not affiliated with Gradient Securities.

Carver Financial Services Inc.’s Vision Statement is simply “to make people’s lives better.” Randy Carver became a registered representative in 1987 and founded Carver Financial Services Inc. in 1990 with that goal in mind. Focusing on retirement income planning and wealth transfers, the firm now manages more than $680 million in assets for clients globally. Randy and his team have been named by both Barron’s and Registered Rep. as one of the top advisors in the nation – prestigious honors they’ve held every year since 2008 (1).

Randy Carver is a true entrepreneur. At age 10 he sold homemade jam. In his teens he launched a catering business and scoured the pages of the Wall Street Journal. Before getting to college, Carver employed 15 painting contractors and later started a second contracting firm while studying at Oberlin. Making customer service the priority was the common thread that led to success in all of these businesses and drives Carver Financial Services today.

Carver’s impressive rise to the top of his field is much more extraordinary when you consider that his journey was interrupted by a life-threatening childhood cancer, a devastating plane crash in 1989 and a motorcycle accident in 2006. The serial entrepreneur has an indomitable will to live and a spirit to help others.

Keenly sensitive to the unique needs of individuals, Carver Financial Services takes a highly personal approach to investing. “Industry standard practices rely on models and packaged plans. My team and I take a very different approach. We develop customized wealth management solutions to help people achieve their vision consistent with their needs, risk tolerance and objectives,” says Carver, one of Barron’s Top 10 Financial Planners in Ohio (2).

Carver has assembled a team of professionals with more than 100 years’ combined experience who have helped make the firm one of Crain’s Cleveland Business’ Top 5 Financial Planners for 2011 based upon assets under management.

The team shares Carver’s commitment to integrity and independence. “Through Raymond James Financial Services, we have access to all of the investment alternatives, services and resources of any large Wall Street firm. As independent advisors, however, we are not limited to any proprietary products. We can find the best solution for our clients wherever they may come from,” explains Carver.

Hardship Leads to Charity
Carver makes charitable work a priority. He and his team have been recognized by the U.S. Congress, U.S. Senate, governor of Ohio and Invest In Others Foundation, and the firm was named the 2011 Lake County Chamber of Commerce Business of the Year for its philanthropic efforts. Its annual food drive has provided 40,000 pounds of food to Lake County Salvation Army since 1990, and the annual charity golf event has raised more than $75,000 for local charities.

“We are committed to this community,” says Carver. “And I’m eternally grateful for the opportunity I have to serve.”

(1) (2) Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.

7473 Center Street, Mentor, OH 44060
440.974.0808, 800.627.7279
randy.carver@raymondjames.com
www.carverfinancialservices.com

Securities through Raymond James Financial Services Inc. (member FINRA/SIPC)

Paul Guerra founded Brookshire Wealth Management in May 2002, but the company really had its beginnings long before that.

This independent wealth management company, associated with the Wells Fargo Advisors Financial Network, actually began as a dissent against attitudes and methods Guerra saw while working for other companies. He wanted to build a practice where the focus was fully on serving clients, with the utmost respect for them and their goals and dreams, and the utmost understanding of every financial strategy he recommended.

Today, the mission of Brookshire Wealth Management is to provide strategies that play to the best interest of the client versus the advisor. Working in that serve-the-advisor-first environment fueled Guerra’s frustration, and when it reached a peak in 2002, he decided to open his own practice. “I’ve always had a very strong belief that you need to be able to provide independent advice and counseling to people and not be encumbered by the corporate influences present at most traditional investment firms,” he says.

Thorough Understanding
Guerra, a West Point graduate and former Green Beret, brings a methodical, overall wealth-management approach to his work. He establishes and stays with a strategy, making only tactical shifts as needed. The objective, as Brookshire’s mission statement says, is to capture opportunity while managing risk. “We’re not investing for the end of the week. We’re investing for the next five or 10 years,” says Guerra. “I take a lot of time and pride in the fact that I don’t get clients involved in anything until I research it and understand it myself.”

Guerra emphasizes that his is a wealth management practice, ready to provide his high-net-worth clients with guidance in every area of financial life, including asset management, estate investment planning, tax-efficient strategies, education funding and retirement planning. Also, Brookshire has trusted alliances with legal and tax professionals, and can provide introductions and perform as the center point for this team relationship.

Brookshire is a growing practice, poised for expansion. Its services are almost entirely fee-based, not commission-driven. “In the industry, the vast majority of people are compensated based upon the investments that they’re recommending, not on an annual fee based upon total client assets held,” Guerra says. “Our emphasis is knowing our client. We know the importance of financial stability in people’s lives. Off-the-shelf service has no place here. We know our clients, we know their families, we know their financial situations, and their needs, wants and desires. We customize our service plan for each situation as needed.”

Brookshire is a provider of wealth management services, with a high-touch way of working for people. “We feel that we are different because we actually get involved, and understand, research and pay attention,” Guerra says. “And we care. We care about our clients.”

The Belden Village Tower
4450 Belden Village Street NW, Suite 601 | Canton, OH 44718
(330) 453-3991 | www.brookshirewealth.com

NOT FDIC INSURED   NO BANK GUARANTEE   MAY LOSE VALUE

Brookshire Wealth Management and Wells Fargo Advisors Financial Network do not render tax or legal advice. Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. Brookshire Wealth Management is a separate entity from WFAFN.

EVERYTHING CONNECTS TO EVERYTHING.
That unusual sign hung in the room of Jim Saling, CIMA®,CPWA®, Registered Principal throughout his childhood. Today, it embodies the philosophy of wealth management at Saling Simms Associates, an Independent Registered Investment Advisor. “Wealth cannot be managed in a vacuum,” explains Saling. “True wealth management must consider all aspects of your life. Portfolio, tax and risk management as well as generational wealth issues including estate, legacy and philanthropic considerations all come into play.”

Brent  Simms, Vice President and Investment Advisor Representative, Saling’s partner of 25 years, concurs. “Many clients who come to us for the first time are accustomed to the outdated silo approach where the wealth manager, CPA and attorney do not collaborate. A failure to coordinate those professional advisors can result in lost opportunity costs. We seek to identify those missed opportunities and capture them through proper collaboration.”

With a three-decade reputation of excellence, Saling Simms Associates are qualified to forge strong working relationships with their clients’ other trusted advisors. It is evident they speak the language because The Ohio Society of CPAs frequently invites them to speak at meetings and conferences or webinars, providing continuing professional education credits for its members.

Saling Simms Associates’ team approach follows internally as well, creating a client-centric rather than an advisor-centric delivery process. Taking full advantage of the expertise of all of its members, a dedicated client support team focuses on ensuring clients’ needs are met with efficiency, accuracy and a personal touch. Meanwhile, each wealth management professional brings varied disciplinary backgrounds, lending an experienced perspective to lively team planning meetings.

Licensed in 35 states, Saling Simms Associates manages assets of approximately $100 million. While continually placing a high priority on periodic face-to-face meetings with clients, Saling Simms Associates embrace Web-based technology to meet with out-of-state clients. Their use of technology is an especially valuable business tool when addressing the multigenerational needs of families. “We often work with ‘first generational wealth,’” says Simms. “Studies show that 70 percent of first generational wealth has evaporated by the second generation, 90 percent by the third. We want our clients to be among the other 10 percent.”

7965 North High St., Suite 130 | Columbus, OH 43235
614-841-1881 | 800-360-7724
www.raymondjames.com/SalingSimmsAssociates

Securities offered through Raymond James Financial Services, Member FINRA, SIPC

With concerns over the global economy and uncertainty over the future of tax rates, health care, Social Security and a host of other variables, it is increasingly difficult to know which way to turn when it comes to investing. Harvest Financial Advisors, based in Cincinnati, Ohio, helps take the worry out of wealth management. Many of the firm’s nationwide clients are successful professionals, retirees and high-net-worth families with complex planning and business-related issues that require the high level of expertise for which Harvest Financial is known.

“We strive to mitigate risk through a variety of investment strategies, income tax planning, estate planning, alternative minimum tax avoidance, cash flow strategies, and other means,” says Marc Henn, CFP®, founder and president.

With over $350 million in total managed assets, Harvest Financial Advisors offers the resources and experience of a large firm but stays small enough to provide the personal attention its clients appreciate. As an independent firm, Harvest Financial is not tied to a third party, nor does it sell any financial products. Harvest provides unbiased advice and designs portfolios that are tailored to each client’s unique financial circumstances while maintaining the utmost transparency. Harvest also coordinates with clients’ attorneys, accountants and other advisors to meet their clients’ complete needs.

“We do an excellent job of investing for our clients, and we also look for ways to bring additional benefits, e.g., saving money on income taxes, alternative minimum tax and probate and estate taxes,” Henn says. “To assist them, Harvest Financial created a proprietary planning process called The Wealth Navigator™ that encompasses several disciplines to gain a comprehensive understanding of each client’s financial profile.”

With over 20 years in the industry, Henn started Harvest Financial Advisors at the beginning of 2008. Harvest enjoys steady growth as a result of referrals by satisfied clients who have done well, even during the worst economic crisis in America since the Great Depression. Henn and his team have often been interviewed by news media such as The Wall Street Journal, Barron’s, Time, Fox Business News, Financial Planning, the Cincinnati Business Courier and others.

“Serving as a trusted advisor to our clients is a privilege, and we love helping them prosper,” Henn says. “Our goal is to build financial strategies in which our clients thrive. From this they can feel confident and secure in their future.”

8897 Cincinnati-Dayton Road
West Chester, OH 45069
513.779.3030 / 800.361.0329
www.HarvestAdvisors.com
Marc.Henn@HarvestAdvisors.com

Contrary to what you may think, financial planning is not a science, but an art. It’s not so much about crunching numbers as it is about listening. That’s because it takes more than computers, databases and Internet connections to be a successful financial planner. It takes insight, understanding and a healthy dose of compassion.

Kimm Hannan knows all about this. President of Hannan, Graybill & Associates, he has been listening, understanding and helping point clients in the direction of their dreams for 38 years. In fact, Hannan was recently inducted into the Ameriprise Diamond Ring Club, a prestigious distinction reserved for less than 7 percent of the Ameriprise advisor force.

“The art of financial planning is as much about collecting hopes and dreams as it is about collecting data,” he says. “It involves developing a financial model that delivers guidance and perseverance. At Hannan, Graybill & Associates, we combine all elements of a client’s financial life and apply reason, order and direction. We help clients manage their assets with the express goal of providing calmness and hope.”

Solid Strategies, Valuable Relationships
Hannan, Graybill & Associates highly values its relationships with clients. It combines financial modeling with a personal touch, focusing on competence, not flashiness. “We always look for the least amount of risk necessary consistent with the client’s financial objective,” says Hannan. “Most clients think they have to take more risk to reach their goals. We show them differently. We use a powerful combination of products and investments to build portfolios.”

As America’s leader in financial planning1, Ameriprise offers Hannan strength, stability – and freedom. “They allow me to serve clients,” he says. “Ameriprise has premier financial tools, client service tools and financial modeling that get answers to clients quickly.”

With clients all over the country, Hannan can stay in touch through videoconferencing. He finds this method so efficient and productive, he even uses it extensively with local clients.

“We really enjoy helping a wide range of people,” he says. “For instance, one of our specialties is working with larger landowners. No matter who we’re dealing with, we realize it’s not always about the numbers. Sometimes it’s about the heart.”

Hannan, Graybill & Associates
4481 Munson St. NW, Suite 304 | Canton, OH 44718 | 330-493-9014
www.ameripriseadvisors.com/kimm.c.hannan

(1) Source: Form ADV, Part 1A, Item 5, and Certified Financial Planner Board of Standards, Inc.

Disclosure: Ameriprise helped pioneer the financial planning process more than 30 years ago. Our unique Dream > Plan > Track >® approach is about more than just numbers, it’s both science and art. We have more financial planning clients and more CERTIFIED FINANCIAL PLANNER™ professionals than any other company in the U.S. based on data filed at 
adviserinfo.sec.gov and documented by the Certified Financial Planner Board of Standards, Inc. as of Dec. 31, 2011.

Ameriprise Financial cannot guarantee future financial results.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.

Today’s retirees and pre-retirees are navigating a treacherous retirement planning environment. Headlines are filled with ominous warnings of Recessions, Financial Crises, Fiscal Cliffs, the European Debt Crisis, Terrorist Attacks, the Flash Crash, Record Low Interest Rates, Quantitative Easing, Record National Debt, Runaway Spending … all with the potential to help derail retirement plans. In light of the uncertainty, a new breed of financial planner is emerging. Rather than focusing primarily on asset accumulation, they understand investors’ need to preserve assets and generate retirement income. “Protecting your retirement is our primary objective,” says Brian Van Winkle, president and Financial Advisor at Van Winkle Wealth Management Group. “We are in the ‘greater peace of mind’ business.”

Van Winkle, one of the top advisors in Ohio, says it’s time to rethink retirement. He recommends investors start by asking hard questions. For example, is there a plan in place to protect their assets in a significant economic downturn? How will their bonds perform if interest rates begin to rise? How do their mutual funds rank against the benchmarks?

“Before they ask the questions, investors are already noticing the traditional asset allocation model is suffering and income distribution levels are dropping. Frankly, they might even lose sleep at night,” says Van Winkle. “That’s where we come in. We have very attractive alternatives to traditional plans that rely on securities such as stocks, bonds and mutual funds.”

‘Hybrid’ products, such as fixed index annuities, protect principal from loss while offering the opportunity to earn interest based on potential market index gains. Yet they do not directly participate in the market.

They are highly regarded by many experts. After performing an exploratory study of actual returns on fixed index annuities, David F. Babbel, a Professor of Insurance and Finance at the prestigious Wharton School of Business, found those annuities were competitive with portfolios of stocks and bonds, were designed to limit the downside returns associated with declining markets and achieved respectable returns in more robust equity markets.

Yet fixed income annuities have been underutilized by advisors. “Wall Street has convinced Main Street that the only way to make money is to put your hard-earned nest egg in the stock market,” says Van Winkle, who began his career in investment planning with Bank One (now JPMorgan Chase). “We like the equity markets and, as a Registered Investment Advisor, our firm uses a variety of portfolio managers when it is in a client’s best interest. But we are committed to making sure our clients understand they do have an alternative that is designed for security of principal with returns linked to upside market performance.”

For more information, or to obtain the report “Rethinking What’s Ahead in Retirement,” contact 
Van Winkle Wealth Management Group at Indian Valley Plaza.

263 Deo Drive | Newark, OH  43055
866-366-1110
bvanwinkle@syndicatedcapital.com
jmoscynski@syndicatedcapital.com
www.vanwinklewealth.com

Securities Offered Through Syndicated Capital, Inc. Member FINRA/SIPC Brian Van Winkle is a Financial Advisor and holds a Life/Health Annuities license in the state of Ohio. A fixed index annuity is a contract between the owner and the insurance company. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer.

A Well-Rounded Approach to Client Satisfaction
The Dressel Financial Group of UBS Has a Passion for Helping Clients

Some people choose to become financial advisors because they are fascinated with the intricacies of the investment world. Others want to have a hand in making portfolios grow. And some want to build relationships and have an impact on their clients’ lives.

There are the select few who accomplish all this and more, advisors like Michael Dressel, Senior Vice President-Investments of the Dressel Financial Group of UBS. He realizes how much there is to know about managing wealth and how much he can do to help his clients.

“The thing to know about me is that, first and foremost, I am very passionate about creating a positive client experience,” Dressel says. “My group has a combined total of 95 years working in this industry. With this comes plenty of insight and understanding. We offer a disciplined investment approach that incorporates fundamental quantitative and technical analysis.”

The experience starts with simply sitting down and talking with clients. “When we first discuss your financial future, we consider all the information pertinent to your situation,” Dressel adds. “We look at things like your assets and liabilities, stage in life, attitude toward risk, investment horizon, cash flow requirements and ongoing personal needs.” Dressel and his team then thoughtfully craft a financial plan and make modifications as the market outlook or his client’s situation changes.

It’s all part of the exceptional service offered by the group. Kathleen Waldman and Virginia Kase are Dressel’s long-term associates. “Those two pretty much run everything, from client communications to day-to-day operations,” he says. “I handle the major financial issues and decisions.”

Dressel’s relationship with UBS, one of the largest wealth managers in the world, provides the resources, products and solutions to address his clients’ needs and help achieve their goals. “UBS offers exceptional access to a range of global resources and financial tools,” he says. “The firm is very supportive and it gives me an excellent platform to execute.

“Doing this – working with people, helping them – is my passion. I get to go to work and talk to people who are successful in their fields. Every day is a learning experience. This is what makes me tick – helping to protect and grow wealth through all phases of our clients’ lives. It all comes down to helping families and individuals realize their financial goals.”

The Dressel Financial Group 17107 Chesterfield Airport Road Suite 200 Chesterfield, MO 63005 636-534-2660 | http://financialservicesinc.ubs.com/team/dressel

Important information about Advisory & Brokerage Services It is important that you understand the ways in which we conduct business and the applicable laws and regulations that govern us. As a firm providing wealth management services to clients in the U.S., we are registered with the U.S. Securities and Exchange Commission (SEC) as an investment advisor and a broker-dealer, offering both investment advisory and brokerage services. Though there are similarities among these services, the investment advisory programs and brokerage accounts we offer are separate and distinct, differ in material ways and are governed by different laws and separate contracts. For more information, visit our website at ubs.com/guidetofees. ©UBS 2012. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved. UBS Financial Services Inc. is a subsidiary of UBS AG. Member SPIC. All other trademarks, registered trademarks, service marks and registered service marks are of their respective companies. UBS Financial Services and its affiliates do not provide legal or tax advice. Clients should consult with their legal and tax advisors regarding their personal circumstances.
UBS Financial Services Inc. 2012.

Dynamic Financial Markets. Responsive Solutions.
Rogers & Company’s Unique Adaptive Portfolio Management for High-Net-Worth Clients

Technology, globalization and “flash” market moves, combined, have changed the core structure of investing. So how does one confidently make financial choices in a chaotic and rapidly changing environment?
For many high-net-worth individuals and families around the world, the answer is found in the adaptive portfolio management approach pioneered by Rogers & Company

Wealth Management. A 30-year-old independent wealth advisory firm in St. Louis, MO, Rogers & Company has a heritage as a wealth management innovator. In fact, the firm’s president, Carol L. Rogers, MBA, CPWA, helped develop E.F. Hutton’s then revolutionary financial planning approach. With multigenerational client relationships, the firm carries on this tradition today in award-winning fashion.

“Investing has fundamentally changed,” observes Rogers. “Traditional approaches alone are no longer effective. Without additional strategies that adapt to evolving markets, risk and volatility may be higher while potential returns may potentially be decreased. Investors need to understand this.”

Rogers and her team always start by distilling complex facts and figures into straightforward, cohesive advice, using high-tech tools to simplify decision making. Clients benefit from a team approach that combines collective knowledge and seasoned experience with access to outside experts in key areas of financial planning and advanced wealth management.

Omar R. Qureshi, CIMA, CPWA, a partner in the firm, helps to design and manage custom client portfolios. Qureshi says the firm’s commitment to customization improves its ability to rapidly adapt to changing conditions in order to reduce risk or improve potential results. “Often, we’ve been able to turn volatility into opportunity, rather than viewing it as something to be avoided,” he says.
Idealistic Dreams Tested With Realistic Scenarios Every new client receives a comprehensive financial plan, including strategies and action steps that seek to bring the client’s goals and dreams to life.

“Instead of just assuming what a client’s assets might do over time based on historical averages, we stress-test every plan against thousands of possible variations of the future, including severe market crashes, with the goal of creating a plan that can realistically survive almost any contingency,” Qureshi says.

“At Rogers & Company, you provide the dreams,” Rogers says. “We’ll provide the confidence to pursue them.”

Three CityPlace Drive
Suite 550 St. Louis, MO 63141 314-983-9803
800-501-9633
www.rogersinvest.com

Securities and Advisory Services offered through LPL Financial, Member FINRA/SIPC, A Registered Investment Advisor.