Building wealth and protecting legacies for families, businesses, and those most important to them. To learn more please visit our website: http://mfg.nm.com/

1. THE MIDTOWN FINANCIAL GROUP

2. OUR MISSION
The Midtown Financial Group: Building wealth and
protecting legacies for families, businesses, and
those most important to them.
The Midtown Financial Group is a financial planning practice which specializes in
working with high-net-worth individuals and closely held businesses.
Our team takes the time to understand what’s important to you, and delivers
comprehensive and customized financial plans and solutions tailored to your needs. We
work as your partner in planning your path to financial security, implementing your
strategies and revisiting your plan to meet changing needs and priorities.
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3. THE MIDTOWN FINANCIAL GROUP
Experience
➢ 100+ Years of Industry Experience
➢ Over ½ Billion in Assets under Management
Infrastructure
➢ 15 credentialed staff members
➢ Concierge level of client service
➢ Continuity of service given
teaming structure
Expertise
➢ Holistic Financial Planners with expertise in
insurance and investments
➢ Experience within Business & Personal Markets,
High Net Worth, Retirement Planning, Qualified
Plans (401K), Tax Planning, Wealth Accumulation
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4. WHAT YOU CAN EXPECT WHEN WORKING WITH US
Personalized
Onboarding
Customized
orientation
Online account
aggregation
Account
transitions
Thought
Leadership
E-newsletters
White papers
Webcasts
Seminars
Financial Plan
Updates
Regular
reviews
Timely market
updates
Life event
adjustments
Customer
Service
Concierge level
of service
Team of
dedicated
contacts
Online account
access
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5. OUR PLANNING PROCESS
What You Can Expect
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6. BUSINESS PLANNING
Our business planning solution
takes into account everything you’ll
need to start, grow, expand and
transfer your business all while
understanding the impacts to your
personal plan.
* Liability coverage not offered by Northwestern Mutual.
*
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7. FINANCIAL PLANNING AND WEALTH MANAGEMENT SERVICES
Estate
Planning
Asset
Management
Strategies
Trust Services
Wealth &
Income
Protection
Retirement
Income
Planning
Qualified
Retirement
Plans
Executive &
Employee
Benefit
Planning
Business
Owner Benefit
& Exit Plan
Design
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8. WEALTH & INCOME PROTECTION
Survivor Income
Wealth Accumulation
Wealth Transfer
LIFE
Income Protection
• Individual / Group
• Medical Occupation Definition
DISABILITY
INCOME
Protect against the financial impact
of needing care
LONG-TERM CARE
PLANNING
Wealth Accumulation
Longevity Protection
Retirement Fixed Income
ANNUITY
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9. Education
Funding
529
Coverdell
Life
Insurance Investments
Custodial
Accounts
Roth
IRA
The primary purpose of life insurance is the death benefit, which can help ensure that your children are still able to get the kind of education you desire for them even if your gone. Additionally, whole life insurance
builds up cash value that can be accessed to help with goals like education funding. However, utilizing the cash value will reduce the death benefit, may necessitate greater outlay than anticipated, and could result in
an unexpected taxable event.
Most people don’t realize the
number of options available to
meet education funding goals.
We’ll help you evaluate the
options and how they may meet
more than just education funding.
EDUCATION PLANNING
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10. ACCUMULATION TRANSITION DISTRIBUTION
•Human capital years
•Savings discipline
•Establish multiple sources
•Maximize returns
•Monitor to goals
• Prepare for new
investment phase
• Evaluate current
security positions
• Review product mix
and adjust if necessary
• Evaluate asset location
• Manage income sources
• Help optimize income
• Guaranteed income sources
• Investment income- leverage
multiple sources
• Help minimize taxes
RETIREMENT PLANNING
The Midtown Financial Group does not give legal or tax advice. Taxpayers should seek advice based on their particular circumstances from an independent tax advisor. No investment strategy can guarantee a profit or protect against a loss. 10

11. RETIREMENT PLANNING
HAVING CHOICES IN RETIREMENT REALLY MATTERS
The primary purpose of permanent life insurance is provide a death benefit. Using cash value to supplement your retirement income will reduce benefits and may affect other aspects of your plan. 11

12. WHAT ARE THE RISKS THAT CAN CHALLENGE FINANCIAL SECURITY IN RETIREMENT?
1. OUTLIVING
YOUR MONEY
A couple age 65 has a 1
in 10 chance that one of
them will live to 100.
Source: Annuity 2012 Table with mortality
enhancements determined using projection
scale G2
2. MARKET VOLATILITY
Since 1945, the
S&P 500 has averaged
a correction of at least 10%
about once every 18
months.
Source: S&P Capital IQ, “Outlook 2014:
Good Years Often Follow Great Years”
us.spindices.com
3. INFLATION AND TAXES
An average inflation rate of
4% will cut your purchasing
power in half in just 18 years.
Hypothetical example illustrating the impact of
inflation on retirement.
4. HEALTH CARE
Health care costs have
risen between 6% and
8% over each of the
last 20 years.
Source:http://www.medicare.gov/what
medicare-covers/index.html
5. LONG-TERM CARE
70% of people turning
age 65 will need some
form of long-term care
during their remaining
lives.
Source: LongTermCare.gov,
Who Needs Care?
6. LEGACY
Spending down assets in
retirement can diminish the
financial legacy intended
for family or a charity.
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13. INSTITUTIONAL INVESTMENT MANAGEMENT
This chart is for illustrative purposes only and not indicative of any investment. The data assumes reinvestment of all income and does not account for taxes or transactions costs. This chart is based upon past index performance and is not indicative of future results. Indexes are unmanaged and cannot be invested in
directly. Diversification does not guarantee a profit or protect against a loss. Note that the diversified portfolio’s assets were rebalanced at the end of each quarter in order to maintain the designated allocations throughout the period. Standard deviations are calculated using monthly returns. Standard deviation is the
measure of total volatility, or risk, in a portfolio. It tells how widely a portfolio’s returns have varied around the average over a period of time.
Source: Morningstar Direct 2016
Northwestern Mutual Wealth Management Company (NMWMC) and Morningstar* have developed a quantitative and qualitative fund evaluation process that looks to identify mutual funds that satisfy a sizable number of return, style, and expense characteristics. Morningstar provides independent
investment research and ongoing analysis for certain mutual fund options available within the Signature Advisory programs. All investment guidance is based on a client’s risk tolerance, time horizon and investment objectives. Our four-step process is described below.
THE SIGNATURE RESEARCH PROCESS
Research Methodology for Mutual Fund/ETF Evaluation and Selection
QUANTITATIVE ANALYSIS
Fund Scoring System:
• Risk & return
• Manager tenure
• Peer group comparison
• Performance consistency
• Expenses
QUALITATIVE ANALYSIS
“Top-down” Process”:
• Evaluate manager performance
• Turnover
• Portfolio concentration
• Style or market cap drift
• Sector bets/market timing
ONGOING MONITORING
Seek to identify possible style
drift, performance concerns,
or funds that require further
qualitative analysis.
PORTFOLIO BUILDING
“Bottom-up” Process”:
• Assess how well funds work
together in a portfolio
• Determine overall correlation
of managers and its effect
on risk
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14. TRUST AND ESTATE PLANNING
Provide benefit of income to family without the burden of management
Preserve wealth by managing impact of estate taxes
Maintain privacy and avoid court procedures
Protect assets from future creditors
Maintain assets for multiple generations
Facilitate charitable giving
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15. Chris Faicco CLTC, RICP®
MFG Partner /
Wealth Management Advisor
Matt Leopold CFP®, RICP®
MFG Partner /
Wealth Management Advisor
Lee Richardson
MFG Partner /
Wealth Management Advisor
Kevin Stein CFP®, CLU, CHFC
MFG Partner /
Wealth Management Advisor
OUR TEAM
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16. CHRIS FAICCO
MFG Partner / Wealth Management Advisor
Chris Faicco, Partner and Wealth Management Advisor in The Midtown Financial
Group, has spent over 30 years at Northwestern Mutual focusing on helping busy,
high-net worth clients organize their financial lives and plan for their futures.
Ranging from high-level corporate executives on Wall Street to professional athletes,
Chris works with busy, successful individuals to design and implement financial plans
to fit their needs. The areas of expertise Chris focuses on include, but are not limited
to, investment and retirement planning, college education, life insurance, and estate
planning.
Chris holds the Retirement Income Certified Professional (RICP®) designation, as
well as the Certified Long-Term Care (CLTC®) certification.
When he’s not in the office, Chris enjoys playing golf and tennis, as well as a variety
of other sports. He is an avid Los Angeles Dodgers fan. He is also involved in
several charities, including Alex’s Lemonade Stand Foundation which supports
pediatric cancer, and Steven’s Strikeouts which helps families of fallen firefighters,
policemen and first responders. Chris has been married to his wife Lori for over 25
years, and they have two daughters, Jessica and Kristie.
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17. MATT LEOPOLD
MFG Partner / Wealth Management Advisor
Matt Leopold is a Partner and Wealth Management Advisor in The Midtown
Financial Group, and has over 17 years of experience guiding clients along their
financial path. He believes in a planning based approach to managing all aspects
of an individual’s financial life. He and his team share a philosophy that success
starts with trust and a plan.
Matt holds the designations of CERTIFIED FINANCIAL PLANNER™
(CFP®) and Retirement Income Certified Professional (RICP®). He holds his
Series 6, 7, 63 and 66 securities licenses and his state life and health insurance
licenses.
In his free time, Matt enjoys playing sports, reading and volunteering his time
coaching youth sports programs. Matt also founded a non-profit organization
whose mission is to raise awareness for colon cancer screening and detection.
Matt lives in Pleasantville, New York with his wife, Tamara, and two boys, Max
and Ian.
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18. LEE RICHARDSON
MFG Partner / Wealth Management Advisor
Lee Richardson, Partner and Wealth Management Advisor in The Midtown
Financial Group, has over 25 years of experience in the wealth management and
retirement planning arenas, focusing on high net worth individuals and families. His
expertise is in helping to develop and execute long-range strategically-focused
financial plans for clients emphasizing prudent portfolio management and wealth
creation/transfer. Prior to joining Northwestern Mutual, Lee was Vice President in
the investment banking division of Bankers Trust Co.
Lee has an MBA in Finance from the University of Chicago Graduate School of
Business.
Lee is married and has 3 grown children. He is an avid cyclist, and is actively
involved in his community as a past warden of St. Barnabas Episcopal Church and
as Vice President of Hudson Chorale, a 70-member chorus.
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19. KEVIN STEIN
MFG Partner / Wealth Management Advisor
Kevin Stein is a Partner and Wealth Management Advisor in The Midtown Financial
Group, and Director of Business and Estate Planning for the Russo Group. Kevin
brings over 15 years of experience to his engagement with clients, on a variety of
topics from personal insurance planning, to business succession planning and his
role as an investment fiduciary. Kevin’s practice includes a particular focus on the
needs of the closely held business owner, advising them on becoming financially
independent from their business, and helping them understand how to best leverage
the concentrated assets they hold in the form of business interests, and often, real
estate.
Kevin holds the designations of CERTIFIED FINANCIAL PLANNER™ (CFP®),
Chartered Financial Consultant (ChFC®), Chartered Life Underwriter (CLU®), and
his Series 6, 7, 63, 66 & 26 securities licenses.
Kevin resides in Manhattan with his wife Sarah and 3 children, Amaia, Elise and
Aaron.
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20. LEADING THE WAY
Northwestern Mutual has been helping
clients take control of their financial
future for over 160 years.
We put clients first and have built a
long, rich history of doing the right thing
for the people we serve. We do not
have shareholders or report to Wall
Street. Instead, we’re able to focus on
achieving long-term financial security
for our clients.
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21. Freedom to implement the best solutions for our clients
Nation’s 5th largest independent broker-dealer Source: Financial Advisor Magazine 2017
Over 160 years of helping clients and currently managing over $200 billion of client assets As of 12/31/2016
PARTNERSHIP WITH NORTHWESTERN MUTUAL
Company with no shareholders that exists solely for the benefit of our clients
Customer satisfaction: 96% customer loyalty
Among the “World’s Most Admired” life insurance companies Source: FORTUNE® magazine’s annual survey February, 2016
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22. 875 Third Avenue, 23rd Floor
New York, NY 10022
(646) 616-7923 www.mfg.nm.com
THE MIDTOWN FINANCIAL GROUP
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23. THE MIDTOWN FINANCIAL GROUP
DISCLOSURES
Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities) and its subsidiaries. The Midtown
Financial Group is an insurance agent of NM and Northwestern Long Term Care Insurance Company, Milwaukee, WI (long-term care insurance), a subsidiary of NM. Registered Representative
and may also be an Investment Adviser Representative of Northwestern Mutual Investment Services, LLC (securities), a subsidiary of NM, broker-dealer, registered investment adviser,
member FINRA and SIPC. Representative of Northwestern Mutual Wealth Management Company®, Milwaukee, WI, a subsidiary of NM and limited purpose federal savings bank that provides
financial planning, investment management, and trust services. There may be instances when this agent represents companies in addition to NM or its subsidiaries. NCAA is a trademark of the
National Collegiate Athletic Association. While links to other websites are provided for convenience and information, please be advised that except for information related to Northwestern Mutual
(NM), the inclusion of, or linking to, other websites does not imply NM endorsement of, nor responsibility for, those websites.
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