Personal Financial Advisory brochure

Diego Velasquez
Financial Advisor
A Financial Advisory Practice of Ameriprise Financial
11555 Heron Bay Blvd, suite 200
Coral Springs, FL 33076

Diego Velasquez
As a financial professional for over 11 years, Diego has been consistently
helping clients set and achieve their long-term financial goals and
objectives. In February 2012, Diego joined Ameriprise Financial as a
Franchise owner. In addition to being a fully licensed and registered
representative, Diego places particular emphasis on helping individuals
and business owners with financial planning.
Born in Brooklyn, New York, Diego grew up in Colombia, South America.
He returned to the States at age 16 and earned his Bachelor of Science
degree in International Business Management from Goldey Beacom
College in Wilmington, Delaware, and is currently on his way to earning
his MBA. Diego and his wife, Lorena, live in the Fort Lauderdale area
and have two sons and a daughter, Manuel, Nicolas, and Natali. A former
collegiate soccer player and natural born athlete, Diego now dedicates
much of his spare time to training for triathlons. He completed his first
half iron man in Puerto Rico in 2012.
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“We prepare clients for the certainty of uncertainty
in their financial life”

Qualifications:
Diego Velasquez:
An Ameriprise Financial Services® practice
Fully Licensed (Series 7, 66, & 63, Life Insurance and
Variable Annuities)
Wealth Manager
Financial Advisor since April 2001
“We prepare clients for the certainty of uncertainty in their financial life”

Mission Statement
My mission is to create, preserve and manage wealth for my
clients.
I provide comprehensive financial planning and portfolio
management services that are designed to meet the goals
and objectives of clients. I build lifelong client relationships
on a foundation of trust and confidence.
I am committed to the idea that my single most important
purpose is to serve the financial needs of clients through
excellent personal service.
“We prepare clients for the certainty of uncertainty in their financial life”

Investment Philosophy
My investment philosophy is to provide you with a total
financial solution. In addition to helping you plan your
destination, I help assure that the method of getting there
satisfies your needs.
To accomplish this goal, I use professional money managers
as well as comprehensive financial planning to help me
understand your current financial status and long term goals
and objectives. After determining your goal and objectives, I
involve you in the process of developing a customized
investment strategy to reach those goals.
“We prepare clients for the certainty of uncertainty in their financial life”

Client Relationship Options
Clients have 2 options in working with us:
1. Comprehensive Financial Advisory Client
2. Transactional Client
“We prepare clients for the certainty of uncertainty in their financial life”

Transactional Client
Non Advice-based service will include a comprehensive review of
accounts with the following servicing schedule:
Annual Meeting
Annual Account Review (face to face or Webinar)
24-hour Follow-up Call
Quarterly Check-In
(phone call)
* Meetings are held in office, conference call and/or webinar.
* Our office will contact you a minimum of 30 days in advance to schedule your meetings.
* Additional meetings may be scheduled per client’s request.
“We prepare clients for the certainty of uncertainty in their financial life”

Solutions For Your Needs
Your needs and goals are unique. I understand that – and it’s why we offer access to a full range of products and services.
Cash and Liabilities
>cash management accounts >money market mutual funds >credit cards
>savings accounts >margin accounts >debit cards
>certificates >checking accounts >online bill pay
>certificates of deposit >mortgages >home equity lines of credit
Protection
>universal life insurance >auto insurance >personal umbrella liability insurance
>term life insurance >long-term care insurance >health insurance with health savings account option
>variable universal life insurance >home owners insurance >Medicare supplement
>whole life insurance >group insurance products >disability income insurance
Investments
>stocks >Coverdell education savings accounts >fund of hedge funds
>bonds(corporate, municipal and government) >529plans >managed accounts
>options >unit investment trusts(UITs) >pooled income funds
>syndicate offerings >real estate investment trusts(REITs) >1031exchanges
>annuities(fixed, immediate and variable) >structured products >donor advised funds
>mutual funds
>exchange traded funds(ETFs)
Taxes
>individual retirement accounts(IRAs) >SIMPLE IRAs >profit sharing plans
>rollover IRAs >403(b)s >defined benefit plans
>Roth IRAs >401(k)s >employee stock ownership plans (ESOPs)
>inherited IRAs >estate and legacy planning strategies >living transfers (gifting)
>SEP IRAs
>personal trust services
“We prepare clients for the certainty of uncertainty in their financial life”

Phase 1: New Relationship
Introductions
Summary Service
Data Gathering
Client Confidential Workbook
Review Client Documents
Strategy Session & Implementation
Define Planning Strategy
Define execution steps for Client / Advisor
24-hour Follow-up Call
Financial Advisory Client
Phase 2: Ongoing Service Plan,
Meeting 1:
Goal Objectives & Tracking for Coming Year
Asset Allocation Rebalancing and/or
Reoptimization
24-hour Follow-up Call
Meeting 2:
Mid-year Review
Tax Planning
24-hour Follow-up Call
Implementation II (additional if necessary)
24-hour Follow-up Call
90 Day Review
How to read your statement
Online Access
General Review of Planning Strategy
24-hour Follow-up Call
* Meetings are held in office, conference call and/or webinar.
* Our office will contact you a minimum of 30 days in
advance to schedule your meetings.
* Additional meetings may be scheduled per client’s request.
“We prepare clients for the certainty of uncertainty in their financial life”

Your Financial Health
The key to Fundamental Financial Health is to identify all
of the gaps in your financial life, close them and keep them
closed.
Through a personal and long term relationship, I help our
clients craft and achieve a vision for their ideal financial
future.
I follow two core principles:
1. Clients come first, and
2. Help clients maintain peace of mind.
“We prepare clients for the certainty of uncertainty in their financial life”

Identifying the Gaps (Risks)
in your Financial Life.
6 Key Areas Where Gaps will be identified:
Financial Position
Insurance Portfolio
Non-Qualified Investment Planning
Retirement Planning
Tax Planning Strategies
Legacy
“We prepare clients for the certainty of uncertainty in their financial life”

Financial Position
4 Potential Gaps
Net Worth:
Assets minus Liabilities
This is the most important of all of your key numbers and is tied to
every area of your financial planning.
Cash Flow:
Income/Expenses/Savings
Identify a personal savings rate attached to future goals for success.
Cash Reserve:
Emergencies and Opportunities
Debt:
Identify Good Debt
Identify Bad Debt
“We prepare clients for the certainty of uncertainty in their financial life”

Insurance Portfolio
10 Potential Gaps
A household could have in excess of 10 insurance policies.
Focus on the areas with the greatest risk first.
Identify the right amount and the right kind of insurance.
Life Insurance
Disability Insurance
Long Term Care
Property & Casualty
Deductibles (Home & Auto)
Umbrella
Health
“We prepare clients for the certainty of uncertainty in their financial life”

Non-Qualified Investment Planning
5 Potential Gaps
Identify the goal (Ex: college, wedding, vacation home)
Calculate needs
Define an Accumulation Plan
Define the Asset Allocation
Define the Distribution Plan
“We prepare clients for the certainty of uncertainty in their financial life”

Tax Planning – Close Gaps on a Strategic Level
7 Potential Gaps
(if you have thought through it, the gap is closed)
Intellectually think through each of the following:
Defer
Deductions
Shift
Credit
Tax Free
Pay Now
Withhold
Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor
or Attorney regarding specific tax issues.
“We prepare clients for the certainty of uncertainty in their financial life”

Retirement
5 Potential Gaps
This is the biggest role I will play in your life
Identify the goal
Analyze needs
Define an Accumulation Plan
Define the Asset Allocation
Define the Distribution Plan
How you accumulate assets now will change how you
distribute income in retirement.
“We prepare clients for the certainty of uncertainty in their financial life”

Legacy Planning
3 Potential Gaps
My job is to ensure that the following are problem free:
Who who will your assets go to
Time how long will it take to transfer
Cost how can we minimize the costs
“We prepare clients for the certainty of uncertainty in their financial life”

Fundamental Financial Health
Identify Gaps, close them, and continually work to keep
them closed.
Create opportunities and build wealth.
Through a personal and long term relationship, I help our
clients craft and achieve a vision for their ideal financial
future.
“We prepare clients for the certainty of uncertainty in their financial life”

4 Questions
1. What does financial planning mean to you
2. What concerns do you have about your financial future
3. What does money mean to you, and why
4. What is the greatest service I can provide to you as your
Financial Advisor
Brokerage, investment and financial advisory services and made available through Ameriprise Financial Services, Inc. Member FINRA and SIPC. Some products and services made not be available
In all jurisdictions or to all clients.
Ameriprise Financial can not guaranteed future financial results
“We prepare clients for the certainty of uncertainty in their financial life”