process book

Shulman DeMeo Asset Management LLC

Registered Investment Advisor

FINANCIAL PLANNING & ASSET MANAGEMENT

3000 Marcus Avenue, Suite 3W1, Lake Success, NY 11042 � (516) 708-9955


Who we are

Shulman DeMeo Asset Management is a planning and money management practice with over 25 years of

experience. As a fee-based advisor, our success is directly tied to the financial well being of our clients and our

sincere commitment to servicing their needs and concerns.

We are a “boutique” firm specializing in giving a personal detailed approach to each and every one of our clients.

What we offer

Shulman DeMeo Asset Management provides integrated fee-based advisor and asset management services to

address the broad financial needs of individual client households. Fee-Based Independence means that we remain

unbiased in our advisor-client relationship. Fee-Based is more than a description of compensation; it dictates that

our interests are naturally aligned with yours, as our primary intent is to professionally serve you and retain you as

a life-long client.

Designed for the client who needs ongoing advice, we will coordinate your entire financial plan. Services under

our wealth management program include the services necessary to review, design and implement your

investment plan in conjunction with your financial plan.

We can also evaluate, recommend, monitor and report on other assets that you would like to remain invested

where they. Some examples include a company 401(k), 403(b) or other retirement plan and variable annuities.

Services include: financial planning, discretionary investment management, tax strategies, estate planning, & risk

management. In addition, we will interact with your other advisors—such as your attorney, accountant, and

mortgage broker—to make sure that proper planning is done and effective implementation takes place. We can

either work with your existing advisors or provide referrals to those we work with regularly.

Our commitment to service

Whenever you have questions or concerns, you can be confident that we are available to discuss any issues that

may arise. We choose to maintain a limited number of clients so that we are always able to provide outstanding

customer service.

Where your assets are held

Shulman DeMeo Asset Management never takes custody of a client’s funds. All funds are held by Charles Schwab.

Schwab is a leader in the financial services industry, serving independent fee-based advisors and their clients.

Schwab provides monthly account statements and clients can access their account information at schwab.com.

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk,

and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Shulman DeMeo Asset Management, LLC), or any non-investment related content,

made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s),

be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion

or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Shulman DeMeo

Asset Management, LLC. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Shulman DeMeo Asset Management, LLC

is neither a law firm nor a certified public accounting firm and no portion of the newsletter content should be construed as legal or accounting

advice. A copy of the Shulman DeMeo Asset Management, LLC’s current written disclosure statement discussing our advisory services and fees is available for review upon request.


Clients use our services because of the value we bring to their financial lives.

Our job is to advise each client as they move down their financial path, help

them adapt to changing situations and be their trusted advisor.

OUR MISSION

To help our clients achieve their own unique goals by managing their

assets, protecting their wealth and building their financial legacies.

OUR APPROACH

We serve our clients with a consultative, team-based approach that

examines all aspects of their financial lives. We put our clients’

interests above our own and those of our firm.

OUR OBJECTIVE

To maintain the highest standards of integrity and professionalism in our

relationship with you, our client. To know and understand your financial situation

and provide you with only the highest quality information, services and products to help you

reach your goals.


WORKING WITH SHULMAN DEMEO

Phase 1

THE FINANCIAL PLAN

We will bring all of the pieces of your financial life together. We will evaluate all of your

finances and determine a personalized course of action that encompasses both your short and

long-term goals. You will be presented with a written plan along with Shulman DeMeo’s

recommendations for achieving your goals.

Phase 2

ONGOING FINANCIAL PLANNING & ASSET MANAGEMENT

Shulman DeMeo will design a personalized investment plan in conjunction with your written

financial plan and risk tolerance. We make regular adjustments in response to market

variations and major life events, keeping you on track toward your financial goals.


FINANCIAL

Financial Planning is a systematic way of organizing your financial affairs in the most effective

and efficient manner in order to achieve your life goals.

relevant financial information, examining your current financial status and coming up with a

strategy or plan on how you can meet your goals given your current and projected situation.

The planning process will help educate you and help

you make going forward.

Step 1. Understanding Your Objectives & Reviewing Our Planning Process

Step 2. Gathering Data & Reviewing Your Goals

Step 3. Assessing Your Financial Situation & Determining How Goals Can Be Achieved

Step 4. Presenting Our Financial Planning Recommendations & Your Written Financial Plan


INANCIAL PLANNING PROCESS


and efficient manner in order to achieve your life goals. This process involves gathering



The planning process will help educate you and help you understand the financial decision that

Understanding Your Objectives & Reviewing Our Planning Process

Gathering Data & Reviewing Your Goals

Assessing Your Financial Situation & Determining How Goals Can Be Achieved

Presenting Our Financial Planning Recommendations & Your Written Financial Plan


involves gathering



you understand the financial decision that


STEP 1 - REVIEWING OUR PLANNING PROCESS

During the initial meeting we will:

• Discuss your goals

• Differentiate your needs from wants

• Explain how the planning process works

• Discuss the services that Shulman DeMeo Asset Management can provide


STEP 2 - GATHERING OF CLIENT DATA &

REVIEWING YOUR FINANCIAL GOALS

During the follow up meeting we will discuss:

• Income

• Expenses

• Employee benefits

• Assets & liabilities

• Current estate planning

• Retirement goals

• Current risk management

• Risk tolerance


STEP 3 - WHAT WILL IT TAKE TO ACHIEVE YOUR GOALS

A Financial Plan will be created to determine:

• Net worth

• Retirement surplus or deficits

• Education planning projections

• Risk management needs

• Income tax analysis

• Current investment allocation

• Estate tax situation


STEP 4 - PRESENTING FINANCIAL PLANNING RECOMMENDATIONS

• Retirement

• College Funding

• Investments

• Estate Planning

• Risk Management

• Budget & debt management


ESTATE PLANNING

You have worked hard to create the wealth you have attained. It is now time to make sure your

estate plan can protect it, not simply for you and your spouse, but for generations to come.

We will guide you through an independent review of your current estate plan. The

comprehensive review includes, but is not limited to:

• Wills

• Insurance Trusts

• Gifting Strategies

After reviewing your current estate plan, we will present recommendations on how you can

best protect your wealth as you transfer it to following generations. The findings will not only

deal with protecting your estate by minimizing taxes, but also forming the appropriate

structures to protect it from potential future creditors.


RISK MANAGEMENT SERVICES

Managing the risks that can threaten your financial well-being is every bit as important as

saving and investing toward your goals. That is the role of insurance in a financial plan.

Insurance is a provision for the unexpected events that, if not prepared for, could hinder the

pursuit of your goals. Being insured is not only a wise financial decision, but a responsible

personal act that provides you and those who depend on you’re a genuine sense of security.

The type and amount of insurance you need, is best determined by an analysis of your personal

and financial situation, as well as your financial goals and objectives. Don't buy more insurance

than you need, but have enough insurance to protect your income, your dependents and your

assets.

Shulman DeMeo offers the following insurance products to meet a wide array of needs,

including:

• Life Insurance (Personal) – to support your survivors financial needs in the event of your

death

• Life Insurance (Business) – to protect a business from the loss of a key executive

• Disability Insurance – to help replace income, should you be unable to work

• Long Term Care Insurance – to help pay for assistance of daily living

In addition, if you have any existing personal or business insurance policies, we will gladly

review them to make sure that the coverage you have is appropriate for your needs.


RETIREMENT PLAN DESIGN & MANAGEMENT

• 401(k) / Profit Sharing Plans

• New Comparability Plans

• Plans Integrated with Social Security

• Combination Profit Sharing/401k

• One Person 401(k)

• Defined Benefit Plans

• Traditional

• Cash Balance

• Simplified Employer Pension Plans (SEP)

Our 401(k) and pension clients are offered a wide variety of no-load mutual funds in addition to

individual brokerage accounts actively managed by Shulman Demeo.

Our program offers a broad range of services featuring an unparalleled combination of

documents, communication, investments and administration.


ASSET MANAGEMENT

With thousands of investments to choose from,

investments, can have a significant impact on your degree of success. Shulman DeMeo has the

knowledge and resources necessary to help you find the investments that best suit your needs.

Whether you're investing toward a secure retirement, starting a college savings plan for a child,

or simply interested in accumulating additional assets for future needs, it's our job to help you

clearly define both your short- and long

Ongoing Financial Planning


ANAGEMENT & PLANNING SERVICES

With thousands of investments to choose from, finding the right one, or combination of



rd a secure retirement, starting a college savings plan for a child,


and long-term goals.

Asset Management

Account Monitoring & Rebalancing

•Trades

•Stop Orders

Market Research

•Fixed Income

•Equities

Customer Service

•Account Maintenance

•Deposits / Withdrawals

ERVICES

finding the right one, or combination of



rd a secure retirement, starting a college savings plan for a child,


Market Research

Fixed Income

Equities


IMPLEMENTATION AND DELIVERY OF SOLUTIONS

• Transferring of your accounts

• Contacting your prior custodian

• Inventory control check

• Cost basis updating

• Problem position transfers

• Reorganizing your account

• Insurance underwriting


ASSET MANAGEMENT SERVICES

• Daily account monitoring

• Discretionary trade execution & settlement

• Stop-order updates

• Research

• Account rebalancing

• Customer service (withdrawals, deposits, etc.)

• Performance reporting

• Tax reporting

• Daily analysis of equity positions (10, 20 & 50 day moving averages)

• Daily monitoring of financial markets

• Fixed income inventories

• Credit analysis of banks

• Unique orders (limit, fill, kill, etc.)

• Specialty areas (energy, MLP’s, etc.)


ONGOING FINANCIAL PLANNING

• Ongoing discussions of current financial situation

• Monitoring of your financial plan

• Reassessment of risk tolerance

• Capital expenses

• Changes in family status as it relates to estate planning

• Updating your financial plan as needed

• Health concerns

• Tracking of Economic Trends

• Tax rate law changes & government regulation changes

• Pension contribution and analysis


A successful client relationship is based on trust, understanding and open communication.

This is what we strive to achieve with every client relationship.

Jason H. Shulman Managing Member

25 Years of industry experience

Areas of Expertise

• Individual Financial Planning

• Business Financial Planning

• Pension Plan Design

• Risk Management

Enjoys coaching baseball & golf

James N. DeMeo Chief Financial Officer

25 Years of industry experience

Areas of Expertise

• Portfolio Management

• Investment Research

Enjoys golf and travel


CONTACT INFORMATION

Jason H. Shulman 516-708-9955

Managing Member [email protected]

James N. DeMeo 516-708-9954

Chief Investment Officer [email protected]

Raymond Bickhardt 516-708-9953

Operations Manager [email protected]

Dawn Bodami 516-708-9967

Client Relationship Manager [email protected]

Registered Paraplanner SM

Amanda Aghabekian 516-708-9955

Administrative Assistant [email protected]

Shulman DeMeo Asset Management LLC 3000 Marcus Avenue, Ste. 3W1

Lake Success, NY 11042

Fax: 516-708-9951

www.sd-assetmanagement.com

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