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Investments │ Financial Planning │Tax │ Family Office
Wealth Management, Inc.™
Navigating Financial Complexity
The Finer Advantage™:
What Finer Wealth Management, Inc.™
Can Do For You
– Navigating the Circle of Gold ™
 All aspects of Financial Planning are fully-
integrated within a Client’s “Circle of Gold”™-
Evaluating an Array of Inve...
Finer Strategic Asset Allocation™ - sample
Short-Term Bonds 17%
Domestic Equities 50%
International Equities 5%
Precious M...
Symbol Name of Company Sector MS Rating Price 8/16/13 Price 9/12/13 1 Year Tgt. Price Fair Val. Yield Beta
T AT&T Communic...
Finer Wealth Management™
Clients’ Investment Performance
9.51% Average Internal Rate of Return (gross)
each year from 12/3...
Research
• Employ proprietary algorithm for disciplined
equity screening
• Domestic Equities Aggregate Portfolio Target
– ...
Case Study: Investments
A family Foundation placed its investments with a variety of brokers and
investment advisers. Fine...
Taxes and Tax Planning
Finer Financial & Tax, Inc.™ has a dedicated staff
of accountants and CPAs who can deliver
comprehe...
Finer Financial Planning™
Our objective is to provide proactive advice to
businesses, families , and to family members. We...
Financial Planning Process
Add Chart
Finer Wealth Management, Inc.™ Solutions
– Finer Family Office™ Services:
• We can assist families with the full range of ...
Finer Wealth Management, Inc.™ Services
• Life Insurance Planning
• Trust & Estate Planning
• Intergenerational Wealth Tra...
Michael S. Finer
President & CEO
Michael Finer CFP®, CLU, CPA graduated from Babson College in 1987 with a B.S. Degree in ...
Gary M. Coon
Managing Director & Chief Operating Officer
Gary M. Coon, MBA, brings to Major League Investments over 20 yea...
Finer Wealth Management  Presentation and Overview
Finer Wealth Management  Presentation and Overview
Finer Wealth Management  Presentation and Overview
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Finer Wealth Management Presentation and Overview

Presentation and Overview of the Fully Integrated Investment and Wealth Management services offered by Finer Wealth Management to include investment, tax, financial planning, insurance and bill paying to Boston's North Shore and surrounding communities.

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Finer Wealth Management Presentation and Overview

  1. 1. Investments │ Financial Planning │Tax │ Family Office Wealth Management, Inc.™ Navigating Financial Complexity
  2. 2. The Finer Advantage™: What Finer Wealth Management, Inc.™ Can Do For You – Navigating the Circle of Gold ™
  3. 3.  All aspects of Financial Planning are fully- integrated within a Client’s “Circle of Gold”™- Evaluating an Array of Investment Strategies, Wealth Management, Retirement Planning, Insurance Options, Tax Services, Bookkeeping, Budgeting, Cash Flow  Over an 18 year track record of success in helping Clients reach specific Financial Objectives – Investment Growth, Comfortable Retirement, Estate Planning, Creating a Long-Term Inter-Generational View, Minimizing Risk  “Personal” long-term Client relationships based on Trust and Confidence – Nationally Certified, Highly Experienced, Accessible and Understanding Finer Wealth Management, Inc.™ A Personal Relationship with Clients
  4. 4. Finer Strategic Asset Allocation™ - sample Short-Term Bonds 17% Domestic Equities 50% International Equities 5% Precious Metals 12% Commodities 5% Currency 8% Real Estate 3% Finer Wealth Management, Inc.™ suggests an overall Strategic Asset Allocation model for reaching Financial Goals. Note that from the Client specific “customized” model, Tactical Allocations (specific investments) can be selected for the Portfolio.
  5. 5. Symbol Name of Company Sector MS Rating Price 8/16/13 Price 9/12/13 1 Year Tgt. Price Fair Val. Yield Beta T AT&T Communication Services 3 $ 34.18 $ 34.28 $ 37.52 $ 32.00 5.26 0.40 VZ Verizon Communication Services 2 $ 47.71 $ 46.87 $ 53.82 $ 42.00 4.54 0.38 MCD McDonald's Corporation Consumer Cyclical 4 $ 95.03 $ 97.80 $ 105.20 $ 105.00 3.15 0.38 CLX The Clorox Co. Consumer Defensive 4 $ 84.09 $ 84.03 $ 86.33 $ 95.00 3.38 0.42 CPB Campbell Soup Consumer Defensive 3 $ 46.00 $ 41.72 $ 44.17 $ 43.00 2.77 0.37 KMB Kimberly Clark Corp. Consumer Defensive 3 $ 94.94 $ 95.13 $ 100.00 $ 93.00 3.40 0.34 KO The Coca-Cola Company Consumer Defensive 4 $ 39.05 $ 38.36 $ 45.27 $ 45.00 2.93 0.53 PEP PepsiCo Consumer Defensive 4 $ 80.18 $ 79.72 $ 90.53 $ 88.00 2.85 0.54 PG Procter & Gamble Co. Consumer Defensive 4 $ 79.90 $ 78.79 $ 86.50 $ 87.00 3.06 0.48 CVX Chevron Energy 3 $ 119.05 $ 124.17 $ 132.45 $ 125.00 3.22 0.82 BMY Bristol-Myers Squibb Healthcare 3 $ 41.68 $ 43.41 $ 46.13 $ 39.00 3.23 0.40 JNJ Johnson & Johnson Healthcare 3 $ 89.37 $ 89.49 $ 93.56 $ 90.00 2.96 0.62 MRK Merck & Company Healthcare 3 $ 47.70 $ 47.67 $ 51.66 $ 52.00 3.61 0.54 PFE Pfizer Healthcare 3 $ 28.37 $ 28.67 $ 31.59 $ 30.00 3.34 0.75 NSC Norfolk Southern Corp. Industrials 3 $ 74.00 $ 75.56 $ 83.59 $ 83.00 2.75 1.14 HCN Health Care REIT, Inc. Real Estate 4 $ 58.57 $ 61.55 $ 70.50 $ 71.00 4.95 0.89 AAPL Apple, Inc. Technology 4 $ 502.33 $ 469.77 $ 539.82 $ 600.00 2.60 0.80 INTC Intel Corp. Technology 3 $ 21.91 $ 22.75 $ 23.66 $ 25.00 3.95 0.97 AEP American Electric Power Utilities 4 $ 43.31 $ 42.14 $ 49.35 $ 48.00 4.64 0.46 ED Consolidated Edison Utilities 3 $ 56.64 $ 54.59 $ 59.96 $ 54.00 4.50 0.20 Finer Tactical Asset Allocation™ Large Cap Domestic Equities
  6. 6. Finer Wealth Management™ Clients’ Investment Performance 9.51% Average Internal Rate of Return (gross) each year from 12/31/2009 to 12/31/2014 Return analytics are provided by a third party and the above annualized return represents Finer Wealth Management, Inc. (FWM) clients as a composite group. Please note that FWM portfolios are customized and the returns on individual portfolios may vary. Note that past returns are no guarantee of future performance. 8.63% Average Internal Rate of Return (net) each year from 12/31/2009 to 12/31/2014
  7. 7. Research • Employ proprietary algorithm for disciplined equity screening • Domestic Equities Aggregate Portfolio Target – High quality, large cap companies – Average annual dividends exceeding 3% – Dividend payout growth north of 5% annually – Low volatility (Beta well south of 1.0) – Buy at good value with long-term growth potential
  8. 8. Case Study: Investments A family Foundation placed its investments with a variety of brokers and investment advisers. Finer Wealth Management, Inc. performed an initial review of the Foundation's investments, and during that review, we identified that various instruments held by the Foundation were being burdened with significant fees. In addition, there was no Investment Policy Statement to guide the Board of Directors or Investment Committee with respect to the execution of an investment strategy. Finer Wealth Management, Inc. assisted the client with the design of a new Investment Policy Statement and also continued to provide guidance to the client with respect to less costly investments. These new investments achieved excellent results with better net yields.
  9. 9. Taxes and Tax Planning Finer Financial & Tax, Inc.™ has a dedicated staff of accountants and CPAs who can deliver comprehensive income tax planning, advice and tax return preparation that spans a client’s wealth management profile and integrates a client’s financial planning. We can prepare tax returns for individuals, partnerships, LLCs, Corporations, S Corporations, estates , trusts and gift tax returns.
  10. 10. Finer Financial Planning™ Our objective is to provide proactive advice to businesses, families , and to family members. We create a plan for your family and/or the individuals after performing a thorough data gathering process. We analyze your family’s current tax position, investment allocation, risk tolerance, cash flow needs, wealth transfer profile and philanthropic goals. In short, we can assist your family with designing and implementing your financial plan.
  11. 11. Financial Planning Process Add Chart
  12. 12. Finer Wealth Management, Inc.™ Solutions – Finer Family Office™ Services: • We can assist families with the full range of “Personal CFO” services as one holistic package which includes: – Bookkeeping – Financial Reporting – Tax Preparation – Tax Planning – Investment Advisory – Financial Planning – Business Advisor
  13. 13. Finer Wealth Management, Inc.™ Services • Life Insurance Planning • Trust & Estate Planning • Intergenerational Wealth Transfer • Philanthropic Planning • Business Succession • Investment Advisory • Bookkeeping/Bill-Paying
  14. 14. Michael S. Finer President & CEO Michael Finer CFP®, CLU, CPA graduated from Babson College in 1987 with a B.S. Degree in Accounting and Economics. Simultaneously, as an ROTC scholarship recipient, he was commissioned as a Second Lieutenant in the United States Army. Michael’s professional experience includes investment advising, accounting, tax, financial planning, investment planning, retirement planning, educational planning, insurance analysis and investment allocation analysis with Arthur Andersen & Co. and Ernst & Young, CPAs. He has advised domestic and international entities on tax planning matters integrating advice with wealth planning strategies. Mr. Finer also served as the Chief Financial Officer in a Family Office with domestic and international operations. In this capacity, Mr. Finer supervised the financial and non-financial staff, oversaw domestic and international investment activities, supervised numerous construction projects for the family, oversaw yachts, synchronized jet services, integrated private and public company financial affairs with the families' activities, oversaw income, gift and estate tax planning and compliance, designed financial control systems, handled delicate concierge matters and made certain that all bills were paid and financial statements prepared in a timely manner. Michael has received a Masters Degree in Taxation from Bentley University, a Masters Degree in Strategy and National Security from the Naval War College, and a Master Degree in Strategic Planning from the Army War College. He is a graduate of the Marine Corps Command and Staff College, the Naval War College, and the Army Command and General Staff College where he was recognized as a Top 10% Honor Graduate. Mr. Finer has completed significant Ph.D. doctoral work at Capella University. Michael has published several articles on such subjects as Strategy, Financial Planning, and Leadership and has made multiple wealth management and financial planning presentations to include a presentation to the national Financial Planning Association Annual Meeting in Boston, Massachusetts. Michael has served on several for-profit and not-for-profit Boards. He was the Treasurer of the Feinstein Foundation of Rhode Island, an organization that has funded over $30 million of charitable giving, and he assisted the President of the Feinstein Foundation in the design and execution of the Foundation's multi-million dollar investment strategies. He was also the Treasurer of the Feinstein Family Fund. He previously served as the Assistant Treasurer of My Brother's Table, a food pantry in Lynn, Massachusetts. He also served on the Board of Directors of Congregation Shirat Hayam in Swampscott, Massachusetts where he worked on the statutory merger of Temples Beth El and Israel to form Congregation Shirat Hayam. Michael also on the Board of Directors of the Association of the First Corps of Cadets in Boston, and the Board of Governors at Kernwood Country Club. He was a member of the national audit committee of Zeta Beta Tau Fraternity where he was a fraternity member from 1983- 1987. Michael is a Brother of the Norumbega Fraternity Lodge of Free Masons and currently is a Colonel and serves as the Commander, 79th Troop Command for the Massachusetts National Guard.
  15. 15. Gary M. Coon Managing Director & Chief Operating Officer Gary M. Coon, MBA, brings to Major League Investments over 20 years leadership experience in business and government. In the investment arena, Coon has a background as an analyst of the venture capital industry. He was a research analyst for Venture Economics, Inc., the publisher of the Venture Capital Journal, where he tracked the portfolio investments of professional venture capital firms throughout North America. He also served as an investment analyst for Zero Stage Capital, an early stage, high-technology venture capital firm in Cambridge, Massachusetts. Mr. Coon was honored by his community when he was elected from the 17th Essex District to serve in the Massachusetts House of Representatives. Coon served on the Committees on Commerce and Labor, Taxation, and the prestigious Ways & Means Committee. He was elected by his colleagues to serve as Assistant Minority Whip, a member of the legislative leadership. During his time in office, Coon was a primary force in the reduction of capital gains taxes, a tripling of the investment tax credit, the formation of a single sales factor for manufacturers, workers compensation reform, unemployment insurance reform, the establishment of regional economic development centers, and other pro-economic growth legislation. Mr. Coon received his Bachelor’s degree from Babson College, where he majored in Investments. He also earned his MBA, cum laude, from Babson College. Mr. Coon has served as a Board Director of Creative Living, Inc., a Founding Member of the Service Club of Andover, the Diaconate of South Church in Andover, Massachusetts, and an Ex-Officio Director of the Merrimack Valley Regional Employment Board. Coon currently serves as a commissioner with the Essex National Heritage Commission. Coon is a resident of Andover, Massachusetts, where he was honored for his contributions to the community as the recipient of Andover’s Distinguished Citizen Award for 1996. He is an ardent fan of the Boston sports teams, particularly the Boston Red Sox, and helps promote the philanthropic initiatives of professional athletes throughout the Northeast. Coon has a particular interest in initiatives to promote education, training and additional support services pertaining to the issues of youth sports safety, concussion treatment & prevention.

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