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INTEGRATED PRIVATE CLIENT SERVICES ADDRESSING THE UNIQUE NEEDS OF AFFLUENT FAMILIES AND INDIVIDUALS

WithumPlatinumPrivate Client Services

1. FAMILY OFFICE SERVICES

2. ESTATE & TRUST PLANNING

3. CYBERSECURITY, PRIVACY AND IDENTITY PROTECTION

4. WEALTH MANAGEMENT

5. INSURANCE ADVISORY

6. CHARITABLE PLANNING

7. SPECIAL NEEDS PLANNING

8. PRIVATE BUSINESS ADVISORY

9. INCOME TAX PLANNING

Our highly responsive team of professionals offers deep industry expertise and service experience to help our clients grow and thrive — to BE IN A POSITION OF STRENGTH .

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BE IN A POSITION OF STRENGTHSM

Ted Nappi, CPA, PFS, CSEPEstate & Trust, Charitable and Financial PlanningT (732) 759 6828tnappi@withum.com

David Springsteen, CPA, MBAPrivate Business Advisory and TaxT (609) 945 7913dspringsteen@withum.com

WITHUM’S UNIQUE OFFERING

Anthony M. Sardis, JD, LLMWithum Insurance AdvisorsT (732) 668 7144asardis@withum.com

James Ferrare, CPA, CFAWithum Wealth ManagementT (732) 450 0147jferrare@withumwealth.com

Hal Terr, CPA, PFS, CFP, AEP

Estate & Trust, Charitable and Financial PlanningT (609) 945 7946hterr@withum.com

TRADITION OF TRUST. Withum has grown to be one of the nation’s largest accounting and advisory firms since its founding in 1974. To achieve this success, Withum has consistently served countless clients faithfully and effectively in their personal and business affairs.

INDEPENDENCE. Independent advice is the foundation of any reputable accounting firm. As such, Withum does not sell proprietary products, rather advice is based on an objective assessment of the client’s interests.

CYBERSECURITY. According to a recent Withum study, cybersecurity is the #1 concern of high-net-worth individuals, eclipsing both terrorism and major illness. Withum has a team dedicated to cybersecurity that provides a level of expertise, focus and sense of urgency unmatched by our competitors.

BUSINESS ADVISORY. Withum provides a full suite of services to owners of closely-held businesses beyond that of our competitors.

BROAD AND DEEP. Withum is a nationally-ranked, full-service accounting and advisory firm providing expert advice across multiple disciplines. Centralizing your affairs results in better efficiency, privacy and control.

C-SUITE EXECUTIVE BENEFIT. Share WithumPlatinum with your key executives. Aside from providing a valuable benefit, this offering allows them to focus on running your business with peace of mind knowing their personal affairs are in order.

SPECIAL NEEDS PLANNING. Private clients often have extended families with members who require special needs due to age, ability or legal circumstances. Withum can help plan for their support, care and independence.

IMPACT INITIATIVE. Withum is committed to improving the community and recognizing those who impact it in a meaningful way. This initiative showcases philanthropic efforts of families, provides scholarships, delivers investment advice in a socially-conscious manner and promotes awareness so that more resources can be directed to those in need.

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What Withum Can Do For YouWithumPlatinum offers you and your family highly-customized services to fit your multi-faceted and perhaps multi-generational needs, giving you the peace of mind that your matters will be handled with the utmost care and discretion. These services fall within two categories:

Household administration and management of family financial affairs are not only time consuming, but complicated. We provide services including bill paying, bank reconciliations, payroll, personal financial statements and expense reporting in a timely, professional manner so you and your family can focus on other matters.

Withum has a full range of consulting and advisory services to meet your personal and closely-held business needs. As a nationally-ranked firm, we offer experts in a variety of areas to maximize your planning opportunities.

CONSULTINGFAMILY OFFICE

COMPLIMENTARY MEMBER SERVICES

Concierge. You will have a single relationship manager who will be your personal financial attendant at the Firm, meeting with you at least twice a year. As you are a valued client who has built a successful empire, your feedback on their performance will be included as part of their annual review.

Cybersecurity Testing. Safety and security is on everyone’s mind, and we want to make sure you’re covered. You’ll receive an online footprint risk assessment, home network vulnerability assessment, standard cybersecurity protocols and a cyber and identity theft insurance review.

Withum Hours. You will receive 10 hours of complimentary consulting with any of our service line professionals, provided these services are not part of an existing engagement.

Education and Awareness. Access to exclusive newsletters covering a range of topics including philanthropic initiatives, investments, legislation, family governance and planning, supplemented by webinars and in-person meetings.

Financial Planning. Our skilled Certified Financial PlannersTM will create one financial plan for a family member of your choosing.

Insurance Review. Free review of your personal insurance policies, including: life, homeowners, auto, cyber liability and directors and officers.

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01. FAMILY OFFICE SERVICES

Andrew Carnegie famously said, “It is only but three generations from shirtsleeves to shirtsleeves.” Meaning, family wealth can be quickly squandered by future generations. A truly effective family office provides a governance structure whereby financial affairs are centralized to ensure that the family legacy not only continues, but grows. Withum provides a broad range of services in an efficient, scalable and expert manner to help a family perpetuate its legacy.

02. ESTATE & TRUST PLANNING

Withum has estate and trust professionals who work with you and your other business advisors to ensure that the planning and administration of your estate and trust are done with the utmost care.

03. CYBERSECURITY, PRIVACY AND IDENTITY PROTECTION

The digital age creates challenges for everyone, but high-net-worth individuals and their families are most at risk due to their profile, wealth and level of activity. Management of what information, if any, is in cyberspace is key to the personal safety and integrity of your financial and personal affairs.

• Bill Paying• Bank Statement Reconciliation• Household Employee Payroll• Internal Auditing Services• Personal Financial Statements• Legal/Banking Referrals and

Coordination• Mortgage Application Assistance

• Cash Flow Projections• Budget/Expense Reporting• Litigation Support• Healthcare Advocacy• Tax Return Preparation• Family Governance: charter,

board, philosophy

• Transfer Planning• Estate & Trust Administration

Services• Fiduciary Services• Tax Mitigation Strategies• Marital Planning: multiple, foreign

and domestic

• Asset Protection: creditor, legal, marital

• Multi-Generational Planning• Distribution Planning and

Management• Estate Distribution Modeling

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• Online Reputation and Privacy Management

• e-Mail Security• Credit Reporting• Password and Document

Management• Cyber and Identity Theft Insurance

• Document Management• Probate Avoidance• Non-Disclosure Agreements• Home Network Vulnerability

Testing• Disaster Recovery and

Management• Banking and Credit Card Safeguards

• Traditional Portfolio Management • Comprehensive Wealth Management• SIPC/FDIC Analysis• Creditor Protection Strategies• 401k Investment Advisory Services

• Executive Compensation Analysis• Stock-Specific Diversification• Tax Mitigation Strategies• Foreign Account Utilization

04. WEALTH MANAGEMENT

Withum Wealth Management specializes in personalized wealth management including tax-sensitive and socially conscious strategies. Working with other departments, they not only promote the success of your investment goals, but the successful management and transfer of investments to future generations through asset protection and estate planning approaches.

COMPREHENSIVE FINANCIAL PLAN A comprehensive financial plan is effective at any financial level. It forces an individual to establish goals for investments, retirement, education, major purchases, insurance and other financial needs. As such, it is the foundation of financial stewardship which defines the needs of the private client. It can be particularly educational for younger family members learning about fiscal responsibility.

05. INSURANCE ADVISORY

Risk is a growing reality in today’s world. Globalization, technology, natural disasters, lawsuits and unexpected life events are but a few of the conditions by which risk can derail even the best planned scenarios. Risk cannot be eliminated, however, Withum Insurance Advisors can help mitigate the risk by identifying, assessing and, when appropriate, insuring the exposure.

• Evaluation of Overall Financial Condition• Determining Investment Objectives: philosophy,

risk, horizons

• Asset Allocation Optimization• Liquidity Projections• Retirement Goals

• Risk Assessment• Risk Mitigation Strategies• Evaluation of Existing Policies• Insurance: life, auto, homes, yachts, planes, art• Kidnap and Ransom Insurance

• Directors and Officers Insurance• Offshore Accounts• SIPC/FDIC Analysis• Solvency Review of Brokers

We treat every client as a unique relationship, providing opportunities tailored to meet your individual and business goals and objectives.

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06. CHARITABLE PLANNING

High-net-worth individuals are creating an evolution in charitable giving with over 80% of ultra-wealthy families agreeing they need to do more. As Bill Gates said, “With great wealth comes great responsibility.” Withum can help families navigate personal, professional and charitable goals to have a positive, enduring impact on their families and the community.

07. SPECIAL NEEDS PLANNING

High-net-worth individuals often have extended families across multiple generations.  It is not uncommon for loved ones to have special needs whether due to age, abilities, legal circumstances or otherwise. Planning for them is particularly important due to their vulnerability. Withum can help you establish a plan to secure assets for their health, maintenance and support in their accustomed standard of living.

08. PRIVATE BUSINESS ADVISORY

High-net-worth individuals are generally connected to a business either as an owner or an executive. Those businesses are a material consideration in the proper management of family affairs and should be integrated into the comprehensive plan. Withum is uniquely situated to provide a full range of business advisory services.

09. INCOME TAX PLANNING

At our roots, Withum is an accounting and advisory firm with deep, diverse experience in tax compliance among multiple states and countries. Whether personal, business, estate, gift, sales, use or foreign tax, Withum has the resources to get your returns done in a timely and professional manner.

• Medicare/Medicaid Planning• Powers of Attorney• Continued Care Considerations• Trust Planning• Distribution Management

• Living Wills• Guardianships• Fiduciary Services• Eldercare Planning

• Traditional Accounting Services• Initial Public Offerings/Private Equity• Exit Strategies: M&A, ESOP,

management buyout• Succession Planning

• Financial Audits• Qualified Valuations• Debt Management• Benchmarking• Executive Compensation

• Individual Tax Planning• Corporate, Partnership and Business

Entity Tax Planning • Tax Return and Multi-State Compliance

• Audit Defense• Residency Planning: foreign and domestic• International Considerations

• Defining a Donation Strategy• Formation and Management of Structures• Private Foundations • Public Charities• Donor Advised Funds• Cash Gifts• Gifts of Property

• Tax Optimization: trusts, appreciated stocks• Charitable Trusts• Charitable Annuities• Gifts of Life Insurance• Due Diligence on Charities• Giving of Retirement Plan Assets• Testamentary Bequests

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