Busey Wealth Management

 

Building Strong Relationships Through Trust and Integrity

In 2013, Forbes recognized Busey Wealth Management’s parent corporation, First Busey, as one of America’s most trustworthy companies. When asked why, Robert Ballsrud, Executive Vice President of Busey Wealth Management, doesn’t hesitate in his answer. “We’re true fiduciaries,” Ballsrud says. “This means the benchmark of our success is how we care for our clients. We’ve structured every aspect of our firm to ethically and successfully achieve our clients’ financial goals.”

Combining Team Experience With a Client-Centric Focus
With a boutique approach and nearly $5 billion in assets under care, Busey Wealth Management, headquartered in Champaign, Illinois, touts its ability to build client-centric strategies and portfolios. With over 300 years of combined experience, Busey’s team believes the key to building a successful plan is a strong client relationship. “We seek to fully understand our clients’ objectives and then develop a customized strategy to help them achieve those goals,” Ballsrud says.

Busey’s typical client, a high-net-worth family or individual, receives a wealth of knowledge from Busey’s 10-member investment team and 35-member advisory team—nearly all of whom hold advanced designations, including CFA, CPA, CFP®, CTFA and MBA.

“Because of our extensive resources and approach, we are able to build a solid team of experts around each client—a unique benefit of our combination of expertise and size,” Ballsrud says. “We offer a very personalized approach to advising clients. We get to know our clients and understand their best interests. This is what enables us to truly customize a plan specific to them.”

The Busey Promise:
 145 Years in the Making
Busey’s fiduciary approach ensures clients have access to a premier investment platform under the umbrella of committed, long-term relationships with investment and advisory team members. Analyzing the broad dynamics of the market with a forward-thinking perspective, Busey builds client portfolios using both traditional and innovative strategies. “We partner closely with clients to gain a true understanding of their entire financial situation before a plan is ever implemented,” Ballsrud says. “Our approach upholds the Busey Promise: a 145-year-old commitment to integrity, relationships and excellence with our customers, associates, communities and shareholders.”

It’s a promise, Ballsrud says, that requires action. Every year, the corporation and its associates donate countless volunteer hours and more than $1 million to the communities around them as a way to remain client- and community-focused.

“Everything we do centers around helping clients achieve their dreams,” Ballsrud says. “That was our promise 145 years ago, and it remains our promise today.”

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100 W. University Ave. | Champaign, IL  61820 | 800.672.8739 | busey.com

 

The Horner Group LTD

 

Better Than a Gold Watch:
a Secure Retirement Income Plan

Many financial advisors have a goal of getting you big gains on your investments. Randy Horner is not one of them.

It’s not that he’s uninterested in returns. It’s that he’s more interested in turning your returns into your dependable retirement paycheck. Horner is the financial advisor who can help you keep the money your investments have generated, by planning for taxes, for the income you need, and for your nest egg to continue earning but without overspending on fees.

“My job is really not to double the money, not to focus on the best stock, the best mutual fund, or any sort of a transaction,” says Horner, an Investment Advisor Representative. “My job is to build you a customized financial strategy – a tax-efficient, secure income plan.”

Putting the Pieces Together
Horner is a former chief financial officer who decided in 1998 to work for the financial benefit of families rather than a corporation. In 2005, he founded The Horner Group LTD, which operates as a fiduciary, to serve clients who are retired or nearing that day.

Horner is, in his words, “a hybrid advisor” with a strong background in tax planning, fixed and variable insurance vehicles, and securities. “I understand how all those pieces fit into the puzzle.”

Other crucial pieces are pensions and Social Security. Horner calls these “layers” of lifelong income. “We build a plan using those layers to the extent that the client is comfortable with that guaranteed stream,” he says. “Sometimes there’s a gap between the reality and the goal. So vehicles like annuities can be used to provide secure, lifelong income.”

A Strong, Flexible Plan
Horner cautions against procrastination in planning, and he recommends getting a knowledgeable advisor on your side. “It’s very treacherous out there right now, due to the low interest rate environment, the volatile stock market, and rising taxes, energy and food costs,” he says. “It’s really difficult. People that maybe could have figured this out on their own in the past are struggling without help.”

The Horner Group LTD offers that help, creating and executing a plan made to follow an anticipated path but flexible enough, with built-in contingencies, to adapt if life throws a curve.

“Anybody can retire,” says Horner. “But my job is to make sure you can stay retired.”

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1811 Hicks Road | Suite A | Rolling Meadows, IL 60008
847-701-0400 | info@thehornergroupltd.com | www.thehornergroupltd.com

Investment Advisory Services offered through Global Financial Private Capital, LLC, an SEC Registered Investment Advisor.
Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Global Financial Private Capital.

 

Dee Mosier’s Financial Straight Talk

 

Factual, Clear, Understandable – Bringing People the Working Realities of Financial Life

Americans need a reality check.  Roughly 75 percent have “positive perceptions” of their financial knowledge and math skills. But when FINRA’s* investor education foundation compiled five financial literacy questions, only 14 percent of respondents answered them correctly.

It’s All About Financial Education
Financial Straight Talk’s goal is to turn people’s positive perceptions into positive realities. The firm empowers individuals to make sound fiscal decisions by delivering financial literacy messages to them through print, television and social media.

Dee Mosier is a former veteran of the financial world.  She rose to leadership and officer positions with various financial companies before becoming one of the first women in the U.S. to begin her own securities broker/dealer firm in 1986.  She was also a professor at Columbia College, Chicago, teaching and developing curricula for a number of business courses, including investments.

Coming Soon: ‘Financial Boot Camp’
Dee’s prior experience as a television producer and host of a financial show has taken her around the world, giving her firsthand knowledge of foreign markets and global business leaders. Today, in addition to making guest appearances on American TV as a financial expert, she reaches thousands of people through her website, through social media and via her YouTube channel, where she connects with people in 126 countries. A new weekly 30-minute television show – Financial Boot Camp – uses easy-to-understand language to empower people in making positive financial decisions. Look for it soon on Family Entertainment Television (FETV).

Public speaking and publishing are other avenues Financial Straight Talk uses to serve people. Dee has spoken to such groups as the Beijing School of Broadcasting, the producers at CCTV and various chapters of the American Chamber of Commerce around the world. And her book, Financial Straight Talk: Road to Retirement, is “176 pages that will change your life,” she says.

Dee put her extensive experience to work by creating Financial Straight Talk Foundation, to promote financial literacy, deliver financial education through curricula and social media, and help people make the important step from perception to working financial reality.

* FINRA: Financial Industry Regulatory Authority

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60 W. Randolph, Suite 237 | Chicago, IL 60601
P.O. Box 788 | LaPorte, IN 46352
www.financialstraighttalk.com | info@financialstraighttalk.com

 

Greater Midwest Financial Group, LLC

 

Successful Wealth Strategies for Families and Businesses

An advertising executive wants to turn his agency over to his employees. Minnesota-based Greater Midwest Financial Group (GMFG) helps create an employee stock ownership plan (ESOP), while managing the man’s retirement and estate planning.

A woman is concerned that her soon-to-be-ex-husband is hiding assets. Working with an attorney and a forensic accountant, GMFG ensures she has sufficient funds to maintain a desirable living standard.

A man wants to invest in a small company. GMFG conducts a business valuation to help him avoid paying
too much.

Whether it’s specific to running a business or planning for retirement or college, Greater Midwest Financial Group helps high-net-worth individuals and families find opportunities and avoid potential pitfalls. From retirement planning to wealth management, GMFG’s advisors take a team approach to help clients pursue their greatest economic potential.

“Our depth of knowledge, resources and experiences is what sets us apart,” says Founder and CEO Donald J. Phillips, CFP®. “Through the past three decades, we have seen many changes in regulations and tax laws. We stay on top of the changes to help people sort through the uncertainties.”

Knowledge Is Power
A former U.S. Army critical care nurse, Phillips is used to dealing with crisis situations. He now utilizes some of the skills he developed to help clients stay focused.

“Greed and fear are two of the most powerful emotions, and they tend to create distortions in the way people think,” Phillips says. “If we can keep clients from getting too greedy, we can prevent them from becoming too fearful, which leads to bad decisions. We help people identify realistic goals and keep them on track.”

Donald J. Phillips’ team includes Vice President Robert J. Phillips and longtime President and Senior Planner James W. Ronn, CFP®. Ronn is the key advisor to many top clients, while Robert J. Phillips, an economics major from Carleton College, leads the investment research team, among many other critical duties.

GMFG holds several special events for clients and associates each year on timely and important topics, featuring leading financial experts. In June of 2014, the company will host a guest speaker from BlackRock®, the world’s largest asset management firm, for a presentation on Social Security maximization.

In 2011 and 2012, Greater Midwest Financial Group was honored to receive the Premier Wealth Advisor award from the National Association of Board Certified Advisory Practices.* GMFG received the Five Star Wealth Manager Award** from 2009-2011 and 2013-2014, and Donald J. Phillips was named to Barron’s Winner’s Circle in 2007.*** For Donald J. Phillips, the most satisfying accomplishment is helping clients so they can harness the power of their money and are able to live comfortably for the rest of their lives.

“If you look carefully at why you do the things you do, and stay focused on your goals, life can be much more rewarding,” he says.

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3222 Rice Street | St. Paul, MN 55126 | 651.490.9790 | 888.411.9611
www.greater-midwest.com | donald.phillips@lpl.com
Securities offered through LPL Financial, Member FINRA/SIPC.

*Award based on an evaluation of 20 different practice categories such as experience, credentials, assets under management, fee structure and philosophy, among other factors.
**The 2013-2014 Five Star awards are based on 10 objective criteria associated with providing quality services to clients such as credentials, experience and assets under management, among other factors. Wealth managers do not pay a fee to be considered or placed on the final list. The 2009-2011 awards are based on client satisfaction. Respondents evaluate criteria such as customer service, expertise, value for fee charge and overall satisfaction. The overall score is based on an average of all respondents and may not be representative of any one client’s experience.
***Rankings are based on minimum of 7 years in financial services industry, acceptable compliance records, client retention reports and customer satisfaction reports.

 

Nisga’a Data Systems, LLC

 

In Data Centers, Smaller Is Better
Achieve complete branch IT consolidation while boosting performance, improving data security and lowering administrative costs

With an unquenchable thirst for computing power and storage, government and commercial firms spent the last fifteen years building bigger and bigger data centers.

Thanks to advances in current technology, smaller is actually better.

“The performance and density of data center solutions improved 10x just in the last five years,” says Frank Watson, president of Nisga’a Data Systems (NDS). “Hanging on to capital equipment investments made five or more years ago may seem prudent, but it comes at a price—and with high risk.”

Data Centers’ New Order
Among the benefits of updating data centers are technologies such as Riverbed Technologies’ latest Storage Delivery solution, which can centralize all data at the data center. “By ‘projecting’ application/user services over the Wide Area Network (WAN) to all branch offices or remote sites, infrastructure costs at those sites can be dramatically reduced,” Watson points out. “This gives IT personnel a secure and manageable disaster-recovery solution while reducing administration and recovery time at each branch by provisioning services remotely.”

But there are caveats to consider before revamping an Enterprise data center strategy.

“We have entered the era of hyperconvergence, where all services—voice, video, data, wired, wireless, in addition to storage and computing—are delivered by a common IP network,” Watson says. “Server virtualization, virtual desktop infrastructures, edge-optimization technology and other architectures enable you to do a lot more with less—and in less space. But re-architecting and consolidation is not a simple IT job.”

Rely on Experts
Knowledge and expertise in architecture, communications and physical design must all be brought together. Equally important is intimate familiarity with the latest offerings from software and hardware vendors. NDS’s partnerships with leading hypervisor OEMs and hardware vendors allow it to apply the best technology and approach to customers’ requirements.

For example, NDS designed and engineered a virtualized enterprise environment for a public-sector customer that reduced space requirements from 12,000 square feet to under 2,000, while cutting power consumption by 44 percent. For commercial customers, reengineering their data centers also yielded rapid ROI.

The Process
Watson makes the point that in all cases, a rigorous process must be undertaken. Before making any recommendations, NDS conducts an audit of current IT assets to produce a comprehensive summary and reporting of the current environment. Then NDS experts determine opportunities for virtualization of existing and planned systems as well as possible secure and cost-efficient cloud-based alternatives.

“Innumerable approaches to computing exist in this era of hyperconvergence,” Watson says. “But no organization can remain competitive living with legacy systems. Don’t get left behind.”

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13900 Lincoln Park Drive | Suite 150 | Herndon, VA 20171 | www.ndsystems.com

 

Jerry K. Ask Investment Services

 

Putting Retirement Income Planning Into Action — in Plain English

Jerry Ask, CFP® makes retirement planning make sense. Often, people who come to him are close to retiring, have no strategy, worry they don’t have the money, and realize they must get serious about planning for a reliable income when the salary stops.

“We help them map out when they can likely retire. A lot depends on their spending habits and if they have a lot of debt,” Jerry says. “It can be very complicated, but that’s one of our strengths — clarifying complicated financial information.”

He is knowledgeable and experienced, but so are many other financial advisors. He has worked in this field for 30 years, and his independent firm, Jerry K. Ask Investment Services, is now 20 years old. Jerry has many loyal clients going back to the 1990s, even the 1980s.

Strategic Allocation
Clients trust Jerry’s ability to create a working plan from the elements of their financial lives. They’re comfortable with his approach — he doesn’t expose them to unsuitable risk with their money. “On the other hand, we’re not afraid to be in the market,” he says. “Our goal for clients is to help them achieve long-term growth with lower volatility by understanding how different investment classes react to each other. We go for balance in asset allocation. I do believe in strategic asset allocation.”

His brand of “strategic” does not mean moving money from stocks to bonds or vice versa; rather, it’s about making well-reasoned allocation changes within the stock markets, among sectors, and within the bond markets. Because charges for his services are not transactional based, these allocation adjustments are included in advisory fees. As of January 22, 2014, the firm had more than $255 million in assets under management.

Straightforward Answers
But his professional acumen is not all that draws clients to Jerry Ask, nor entirely what keeps them in his financial care. There’s something more.

Jerry has an unassuming air that fits with his clients. He’s a guy who rarely wears a necktie, and whose clients — many of them technical pros in their working years — are focused on delivery, not dazzle. “They like our straightforward answers. They like me explaining investment ideas, breaking it down,” he says. “It’s one of our strengths — simplifying concepts and making them easily understandable.”

The secret ingredient, it turns out, is Jerry Ask himself.

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4800 North River Blvd. NE | Suite 100 | Cedar Rapids, IA 52411
319-395-9230 | 800-535-1295 | www.jkainvest.com

Securities offered through Raymond James Financial Services, Inc. — member FINRA/SIPC.
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including asset allocation. Transactions may have tax consequences; consult your tax advisor. Investments mentioned may not be suitable for all investors. Information should not be considered a recommendation of the advisor’s services or abilities, indicate a favorable client experience, or guarantee any future experiences. Past performance is not indicative of future results. Individual results will vary. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities.

 

Revolinski Maciosek Wealth Management Group at UBS

 

Advisors Who Work on Your Behalf, So You Don’t Have To. Come Grow With Us.

Sometimes, the more money one earns, the greater the risk of losing it. High-net-worth individuals and families must constantly be vigilant against rising tax rates, bad investments, inexperienced advisors or simply spending beyond their means.

Finding a financial advisor with the ability to properly manage a sizeable portfolio, yet small enough to provide highly personalized attention, is critical. The Wisconsin-based Revolinski Maciosek Wealth Management Group of UBS helps successful families and individuals protect their wealth, while building cash from their nest egg to provide for their spending and lifestyle needs.

“People who live within their means, tend to grow their means,” says Terry Revolinski, CPM®, first vice president-wealth management, portfolio manager. “Most people don’t do enough planning. Our clients are different, because we help them understand what cash flow they need to maintain their lifestyle, and the risks in creating that cash flow.”

Commitment, Planning, Cash Flow, Service
The Revolinski Maciosek Wealth Management Group primarily serves clients who have $1 million to $5 million in investible assets. Each portfolio is custom-designed according to the client’s needs, wants and wishes, risk tolerance, cash flow needs and long-term goals.

“We have a defined process we go through with every prospect before recommending a plan,” says Michelle Maciosek, account vice president-wealth management. “We run our own discretionary portfolios based on the client’s needs, wants and wishes. We actively communicate with our clients through scheduled monthly calls, quarterly reviews and in-person meetings to keep them informed and educate them about their money.”

Clients’ portfolios are managed with input from a team of advisors who come from a variety of professional backgrounds, and thus offer different perspectives. Revolinski, who has been a financial advisor for 26 years, has a law degree and a tax background, having worked for several CPA firms.  Maciosek hails from an entrepreneurial family, with a father and siblings who own several small businesses. She has been a financial advisor for 17 years. Financial advisor Joseph Still, CRPC®, worked in corporate sales before earning an MBA and moving into the financial industry years ago. An avid golfer, he spends as much time on the links with clients as he does sitting behind a desk. All joking aside, it’s an important part of getting to know clients personally, to better serve them.

“The more time we spend with clients, the better we understand them,” Still says. “We consider them friends, and we treat them like family.”

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17775 W. Bluemound Rd. | Brookfield, WI 53045 | 262.794.0848
www.ubs.com/team/rm | rm@ubs.com

As a firm providing wealth management services to clients, we offer both investment advisory and brokerage services. These services are separate and distinct, differ in material ways, and are governed by different laws and separate contracts. For more information on the distinctions between our brokerage and investment advisory services, please speak with your Financial Advisor or visit our website at ubs.com/workingwithus.
Chartered Retirement Planning CounselorSM and CRPC® are registered service marks of the College for Financial Planning®.
NABCAP recognized 2011, 2012, 2013. NABCAP Premier Advisor Award based on the evaluation of 20 different practice categories such as experience, credentials, assets under management, fee structure and philosophy, among others. Neither UBS Financial Services Inc. nor its employees pay a fee in exchange for this rating.
Neither UBS Financial Services Inc. nor any of its employees provide tax or legal advice. You should consult with your personal tax or legal advisor regarding your personal circumstances.
UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA/SIPC.

 

Rimm-Kaufman Group

 

Big Data Helps Experts
Precisely Target Digital Shoppers

When leading e-retailers look for ways to market smarter and more efficiently, more of them turn to RKG than any other search and digital agency in the country.

And for good reason. The Charlottesville-based company uses powerful proprietary technology and brilliant analysts to generate more clicks, more conversions, more ROI.

Accomplishments such as doubling or tripling results for clients when taking their programs from competitive agencies built RKG’s reputation and led to rapid growth in revenues (up 87 percent in 2012 …Read More

St. James Place

Enjoy Your Retirement in Style and 
Comfort at St. James Place
Southern Hospitality, Vibrant Living Epitomize This 52-Acre Community

Retirement at St. James Place is about new beginnings. And new opportunities abound at this Southern oasis, located just outside of downtown Baton Rouge, Louisiana.

Situated on 52 acres of rolling farmland, St. James Place is the Gulf South’s largest and most established continuing care retirement community and full-service life care retirement community. …Read More

Wake Robin

 

Remarkable Residents Create Their Own
Extraordinary Retirement Environment

As residents celebrated the 20th anniversary of the opening of Wake Robin last year, they had plenty to congratulate themselves about. It is, after all, their own vision—and the vision of others like them—that shaped this successful Continuing Care Retirement Community near the shores of Lake Champlain.

Founded by a local group in 1993 and still governed locally by individuals deeply rooted in northwest Vermont, Wake Robin’s vibrant 136-acre campus is a reflection of the energies …Read More