williams brochure web

8/8/2019 Williams Brochure Web

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FIDUCIARY

fiduciary

n. According to Merriam-Websters Dictionary of Law, a fiduciaryis one often in a position of authority who obligates himself orherself to act on behalf of another (as in managing money or prop-erty) and assumes a duty to act in good faith and with care, candor,and loyalty in fulfilling the obligation.

n. According to the Certified Financial Planner Board of Standards,

a fiduciary is one who acts in utmost good faith, in a manner he orshe reasonably believes to be in the best interest of the client.

n. According to NAPFA, A financial advisor held to a FiduciaryStandard occupies a position of special trust and confidence whenworking with a client. As a Fiduciary, the financial advisor is re-quired to act with undivided loyalty to the client. This includesdisclosure of how the financial advisor is to be compensated andany corresponding conflicts of interest.

...At Williams Asset Management we are fiduciaries, which meansthat with everything we do, we have our clients interests at heart.


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our company


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OUR COMPANY,

an unbeatable team...

We are EXPERIENCED: Since 1994, we have been providing investmentadvisory and wealth management services to corporate executives,professionals, physicians, business owners, retirees and otheraffluent clients.

INDEPENDENT: We have no ties to Wall Street firms. Our soleconcern is to our clients.

INTEGRITY: Our reasonable, fee-based compensation model isdesigned to have our clients best interests at heart. All of ourrecommendations are based solely on our clients specific needsand circumstances and are free from conflicts-of-interests.

PROFESSIONAL: We utilize a team approach to develop andimplement a customized financial plan centered on your needs andgoals.

PERSONAL: Building long-term relationships is our priority. Wework hard to create trusted partnerships with clients to best build,manage and preserve their wealth.

PASSIONATE: We love what we do and everything we do isdesigned with our clients very best interest in mind. We appreciateyou choosing us to help you plan and manage your financial future,

and will work hard every day to affirm that you made the rightchoice.


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OUR PHILOSOPHY

proven and simple

A financial plan is only as good as the personal knowledge thatgoes into building it. We work hard to develop strong and trusted

relationships with our clients. It is our experience that suchrelationships result in financial plans that are best suited to meetthe needs and goals of our clients.

Staying abreast of your personal situations and evolving financialgoals and needs is our priority. As time passes, your risk toleranceand income needs change; an effective portfolio needs to reflectthose changes. We are just as careful about monitoring yourportfolio as we are about the initial investment selection. We trackthe funds in your account on a regular basis, look to rebalance youraccount when it deviates from its original allocation, and meet with

you periodically to address any changing life situations, financialgoals, and needs.


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our philosophy


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our services


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OUR SERVICES

are comprehensive...

Williams Asset Management provides access to a wide variety ofinvestment advisory, wealth management, and fiduciary services.

INVESTMENT ADVISORY SERVICES:

One of Williams Asset Managements main objectives is to deliverexcellent investment results by offering best of class outsourcedinvestment managers. Williams Asset Managements investmentportfolios have performed well in past market cycles and have doneso with relatively attractive levels of risk and tax efficiency. Pleaseremember that past performance is no guarantee of future results.

By being independent and aligned with our clients interests,Williams Asset Management is positioned as the familys investmentsteward. We supervise all aspects of investment management,including manager and/or product selection, ongoing monitoring,product/manager due diligence, performance reporting, along withconstant review and reconsideration of investment goals.

FIDUCIARY SERVICES:

For those clients who wish to utilize a corporate fiduciary in their

wealth planning, Williams Asset Management offers its clients afull range of fiduciary services through partnerships with two majortrust companies, Franklin Templeton Bank & Trust and AST/Capital Trust. Under this arrangement, the advisors of WilliamsAsset Management manage your trust investments and financialrelationship, while our trust company partner handles the trustsadministrative details. Clients who wish to name a corporatefiduciary in their wills may now do so knowing that the advisorsof Williams Asset Management will continue to manage theirinvestments during the estates administration and, thereafter, inany testamentary trust created.

continued...


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OUR SERVICES

are comprehensive...

WEALTH MANAGEMENT SERVICES:

Wealth Management pursues answers to the tough economicquestions and decisions that come with modern living. Our WealthManagement Program divides these issues into six modules foranalysis and action:

ACCUMULATION addresses your individual needs, assetallocation, and the suitability of different types of securities inlight of your goals and risk tolerance. Accumulation strategies helpensure that your investment portfolio remains closely aligned with your overall financial goals as you continue to build your assetbase.

RISK MANAGEMENTworks to minimize financial and otherlosses potentially associated with risks to your assets, business,or health. Some examples of risk are personal and professionalliability, business ownership, property loss, and catastrophic illnessor disability. Your first line of defense is to identify your sources ofrisk and then either to avoid or minimize the major exposures.

TAXATION considers the tax implications of individual,investment, or business decisions, usually with the goal of minimizingtax liability. While decisions are rarely made solely on their tax

impact, you should have a working knowledge of the income orestate tax issues and costs involved.

BUSINESS PLANNING focuses on issues specific to businessowners and shareholders. For most business owners, the businessis their most significant asset, and the financial success of thatbusiness has an immediate impact on the economic security of thefamily. Without proper planning, you may have difficulty tappingthe value of your business to support your retirement, or yourfamily may lose the value of the business at your death.

RETIREMENT PLANNING involves evaluating your currentfinancial status and creating an accumulation strategy that will helpto ensure your desired retirement lifestyle. Because your retirementyears can span decades, retirement planning generally dominatesother financial goals. A successful plan, put into place during thewealth-building lifespan, should address ways to maximize growthand tax-efficient distributions, as well as how to leave retirementassets to the next generation.

ESTATE PLANNING creates a master plan for the managementof your property during life and the distribution of that propertyat death. For most people, estate planning gives you more controlover your assets during your lifetime, provides care when you aredisabled, and allows for the efficient, low-cost transfer of wealthat your death.


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our services


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our process


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OUR PROCESSis disciplined and thorough...

Intelligent investors often ask, What is your wealth managementprocess?

Our tried and true six-step process is designed to understand andcover all the bases.

We Establish and nurture client and financial consultantrelationshipsGather all the data we canThoroughly analyze existing positionsPresent a thoroughly researched and well-drafted action planImplement the planReview, monitor and report on an ongoing basis


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OUR PEOPLE

are dedicated...

GARY S. WILLIAMS, CFP, CRPC, AIF

Gary Williams is the Chief Executive Officer of Williams AssetManagement. With over 16 years experience, Mr. Williams hasearned numerous credentials and designations, including:

CERTIFIED FINANCIAL PLANNER practitioner (1997)Chartered Retirement Planning CounselorSM (2004)Accredited Investment Fiduciary (2009)

Mr. Williams graduated from Towson University with a B.S. inBusiness Management and a concentration in Finance.

In 2005, Williams Asset Management partnered with an independentbroker/dealer, Commonwealth Financial Network, in orderto provide a truly independent and comprehensive approach tofinancial planning. Our partnership with Commonwealth providesus access to over a dozen investment research specialists who assistus in our efforts to provide you with the best possible service.Each of these professionals, including several Chartered FinancialAnalysts (CFA) and Certified Investment Analysts (CIMA), bringsa breadth of experience in the industry and within their ownspecialization.

Mr. Williams currently is an active member of the FinancialPlanning Association. He is a Board Member of the Dancel FamilyY in Howard County and sits on the Governance and NominatingCommittee of the Central Maryland Ys Board of Directors.

He is a frequent contributor to a variety of publications includingThe Business Monthly, The Daily Record, and CityBizList. Becauseof his recognized expertise in retirement planning and investmentmanagement, his insight is regularly sought after by local and nationalpublications, includingBankrate.com, Columbia Magazine,MoneyMagazine, Wealth and Retirement, and The Baltimore Business

Journal. He has also been a featured guest on Maryland PublicTelevisionsBusiness Connection.


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our distinctions and passion


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OUR DISTINCTIONS AND PASSION

are unsurpassed...

Williams Asset Management is highly respected in the financialcommunity. Williams Asset Management has received numerousawards, including:

Gary Williams had been named Top Advisor 1 in the CEO

Choice Awards inBaltimore SmartCEO magazine in 2005.Top Dog 2 in Wealth Manager3 in 2008 and 2009.Top Money Manager 4 in theBaltimore Business Journalinboth 2007 and 2008.Gary Williams was featured in Baltimore Magazine as a FiveStar Wealth Manager5 in 2011.

Williams Asset Management gives back to the community. We feelthat it is not just enough to give stellar service to our clients, wealso need to be of service to the community. We support manylocal and national charities, including Augies Quest, The Brigance

Brigade, Make-a-Wish Foundation, Y of Central Maryland, andSusan G. Koman for the Cure.

Based on Baltimore-area CEOs nominations who have personally1.observed or retained the services of these individuals.Based on i) Total Assets Under Management (AUM) for advisory2.

services clients, ii) total number of advisory clients, and iii) total AUMper advisory client.For a complete list of criteria, please see www.wealthmanagermag.com3.

Based on client assets as of September 28, 2007 and January 9, 2009.4.Based on nine criteria including customer service and overall5.

satisfaction. Please visit www.fivestarprofessional.com for moreinformation.


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CONTACT INFORMATION

Williams Asset Management8850 Columbia 100 ParkwaySuite 204Columbia, MD 21045

Phone: (410) 740-0220Toll Free: (888) 833-9335Fax: (410) 715-9685

Email: [email protected]

Website: www.WilliamsAssetManagement.com

The financial professionals of Williams Asset Management areRegistered Representatives and Investment Adviser Representa-tives with/and offer securities and advisory services through,Commonwealth Financial Network, Member FINRA/SIPC,

a Registered Investment Adviser.


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Williams Asset Management

8850 Columbia 100 ParkwaySuite 204

Columbia, MD 21045

Phone: (410) 740-0220

Toll Free: (888) 833-9335

www.WilliamsAssetManagement.com

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