Introductory

Meeting

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 Please share why you Decided to meet today.

STEP STEP STEP STEP STEP

1 2 3 4 5

Have an idea of what you want Executing a strategy but unsure Pretty certain you're doing the You believe you' re in a Ready to Optimize Efficiencies
to accomplish and you've of future outcome right things, and ready to identify fantastic spoot but feel your and Plan with Confidence
started options you may not be aware of situation is missing something

What are you hoping to accomplish?

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Who we work with
Character Traits
Successful Prospering Life of Our Clients:
Business Owners Individuals Transitions
Disciplined
Have an idea of Leaders in their When contemplating Good Listener Honest
what you want to accomplish respective fields who retirement or deciding
and are always looking to that work may Determined Patient
you've started outpace the average become optional. Dependable Positive
and have tax issues
which need attention. Open-Minded Flexibile

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 62% 48% 100%
Say their Financial Report they don't How much more
Planning needs have clarity on how secure those with
improvement* much they can an advisor feel,
spend now vs. than those without*

92%
later

92% of American adults say that nothing makes them

happier or more confident in life, than when their
finances are in order.48% Report they don’t have 30% 60% 75%
clarity
on how much they can of people have of Business Owners of Americas are
never spoken to don't know how a winging it when it
anyone about a CFP can help*** comes to their
financial plan* financial future**

*July 2019 Study from Northwestern Mutual's Planning & Progress Study, **CNBC April 2019, ***Kiplinger May 2020

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v Relationships
The belief that you will
live a long fulfilling life

Health
We find there are The belief that you will

3 Areas of life
live a long fulfilling life

Wealth
which
The freedom to allocate
hold meaning for your time
as you wish

our clients

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 Wealth
• Do you know what you want to do with your time, from now until the end of
time?
• Have you defined the amount of money you need to make this happen?
• When/What date do you want this to become reality?

Define
Your Dream Health
outcome • Planning to Age 100 best prepares us to deal with financial challenges as we age

Relationships
• Who, if anyone do you want to benefit from your hard work?
• Is it important this happens while you are here or after you pass?

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Value = Dream Outcome

Goals x Confidence
=
Financial
Time Delay x Commitment
Freedom
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DIY Dream Outcome
Considerations
What to address when creating your own dream outcome

1 2
Cash Flow
Analysis
• Determine discretionary income and how to apply it to financial goals
• Identify areas to free up cash flow
• Review employer savings vehicles and investment options - also
determine the correct amounts to invest in each
• Create a baseline for making financial decisions
• Home purchase, primary or second
• Real estate investment strategies, most are disqualified from these
benefits
• Sandwich generation strategies
• Inheritance planning
• Social Security and Pension maximization
3
Long Term Debt Reduction
Savings Strategies
• How much to save and in which vehicles relating to future retirement • Which debts to pay on schedule and which debts to pay early
spending options • Percentage of Debt to hold on an asset
• Education savings and whether or not grandparents should be involved • Determine which assets should be debt free
• Review intermediate financial goals and create an efficient accumulation • Strategies to balance cash flow for debt payments vs paying cash and
goal holding no debt
• Stock Option & Non Qual. compensation review • What types of education loans to consider
• Executive Benefit analysis
• Offer Letter analysis and negotiation to new job
• Overall tax minimization of the amount saved today and upon withdraw
of your savings

Items noted may or may not apply directly to your situation

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DIY Dream Outcome
Considerations
What to address when creating your own dream outcome

4 5
Investment Management
Analysis
• Risk Tolerance Assessment over time
• Strategic Distribution - withdraw considerations
• Proper investment account monitoring - beyond the rate
• of return
• Rebalancing - selling high and buying low
• Asset Location Strategies
• Bond Laddering related to income
• Quantifiable Tax Savings and realization
• Cost minimization
• Customized distribution strategy when off cycle fund
• are needed
6
Risk & Benefit Retirement
Analysis Income Strategies
• Maximization of employee benefits • Annually determine a distribution order -
• Emergency Fund planning Brokerage/Traditional/Roth
• Life Insurance analysis • Annual Roth conversion considerations and market analysis
• Property and Casualty Considerations • Income tax minimization on retirement income while you are
• Health Care expense planning contributing, not just during distribution
• Liability considerations for you and your business • When to utilize Qualified Charitable Distributions on Required
• Asset Protection strategies Minimum Distributions
• Medicare planning and premium minimization • Proactive planning to address concerns of running out of money
• Long Term Care considerations
• Trust analysis for family planning

Items noted may or may not apply directly to your situation

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DIY Dream Outcome
Considerations
What to address when creating your own dream outcome

7 8 9
Tax Business Owner Estate Planning
Planning Analysis Considerations
• Strategic Realization of Capital Gain Implications • Create balance between your business and personal financial situations • Creation of Estate Plan with appropriate documents, beneficiaries
• Annual adjustments to taxation plan • Create a Gap analysis so you understand the financial impact of a sale at and regularly monitor as things change
• Minimization of taxation where ever possible when distributing funds any time • Asset Coordination - Do your financial accounts match your Trusts
• Asset Location Strategies • Integration of retirement plan, profit sharing and potentially cash balance and Estate Plan
• Proper utilization of Business Deductions when available plan to minimize tax • Gifting strategies, estate tax minimization and Long Term Care
• Continuous monitoring of tax law changes and impact • Business planning recommendations to minimize liability Planning techniques
• Proactively work with your accountant to ensure all facets of your tax • Buy/Sell Planning • Family legacy planning, Philanthropic Planning and tax
situation are accounted for by both professionals • Protection Planning minimization
• Charitable giving tax minimization • Exit or Transition Planning, both internally and externally • Trust planning and Special Needs Planning

Items noted may or may not apply directly to your situation

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 t
Confidence Metric –
Where do you rate yourself?
10
1
No Confidence in your current financial
5
Feel like you are doing well and things
You've crafted a plan, review it annually, manage
change and address potential pitfalls. You are 100%
confident you will reach your stated Dream Outcome
situation will work themselves out

3
Feel like you are doing enough to be
7
You've crafted a plan which you are following and know
successful but not sure how to do it you will reach your desired outcome in your desired
timeframe

How confident are you that your Dream Outcome will be achieved in the amount of timeyou desire, or less?

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 t
Financial Advice
Who Does What?

875K 500K 3 75 K 3 11 K 8 3K
Licenses Investments Insurance Financial Advisors Certified Financial
Financially Related Licenses Licenses Held Nationwide Life, Health, DI, LTC In Banks, Insurance Co’s, Planners
Held in USA Nationwide Investment Co's etc CFP.net - All areas
Of the industry

Only
3%
Certified Financial Planners who say they Certified Financial Planners who ask for
do Financial planning Tax Returns Annually
50%
Data Sources: *Bureau of Labor Statistics, 2018 (www.bls.gov), **www.cfp.net, 2019, ***Cerulli Associates, Boston Based Research Firm, 2017, ****www.sec.gov

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How Our Process Works

Meeting 1 Meeting 2 Meeting 3 Meeting 4

Learn More About You and Your
Goals & How Blue Rock Can
Help
Items Requested After This Meeting
• Most recent tax return
• Debt statements
• Investment Statements
Review Rough
Draft Financial Plan & Revise and
Refine Data
Items Requested After This Meeting
• Complete Onboarding Template
• Complete Risk Tolerance Questionnaire
Deliver Specific Financial Planning
Recommendations & Discuss
Implementation Strategy
Items Requested After This Meeting
• Complete items listed in PlanSummary
Review Completed & Outstanding
Recommendations & Create
Guidelines for Remaining
Implementation

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Who We Are
Blue Rock Financial Group is a financial services firm offering a fee-based platform which provides
comprehensive financial advice and services to individuals and businesses. Our Financial Planning
Process is centered around our client’s unique goals and objectives. Our independence provides our clients
access to the very best resources in the industry while delivering personal, customized service.

Our Beliefs
#1 #2
We believe true financial While we believe in the power of consistent client experience,
planning, at its core involves a we also understand that through the years of client reviews with
clear vision. you there will likely come a time when we act more as
behavioral finance consultants than financial planners.

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 Todd Roselle, CFP®, ChFC®

Get in Touch
Founder | President
Email: todd@bluerockfg.com
Phone: (302) PLANNER x107

Contact Us
James Whalen, CFP®Director
of Financial Planning
Email: james@bluerockfg.com
Phone: (302) PLANNER x107t

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