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One Charles Private Wealth Making and Impact

  1. One Charles Private Wealth Proprietary & Confidential PresentaionOne Charles Private Wealth, 99 Derby Street, Suite 101, Hingham, MA 02043 / 617-337-4206 / MAKING AN IMPACT
  2. Working with One Charles Private Wealth you’ll see that we align with your growth objectives based on what you value and are passionate are about. We pride ourselves in having the meaningful conversations that unearth what you deem important and want to protect. It’s our way of connecting to your beliefs and goals based on conscious planning and execution. We are committed to delivering a high level of financial care where our clients interests always come first. We integrate a client’s whole life focusing on wealth protection and conscious planning to create sustainable solutions. The firm helps clients achieve long-term financial well being for individuals, businesses - both philanthropic and for profit - and wealth management organizations through our Circle of Care which includes estate planning, investments, banking and insurance. “It’s about doing the right thing - that’s just good business” 2 SHARED APPROACH One Charles Private Wealth Proprietary & Confidential Presentation
  3. Our mission is to provide value across your overall financial well being – Making an Impact through each life decision. Providing comfort, clarity and compassion. +++ “Conscious Stewards Of Your Financial Well Being” 3 LOOKING AT YOUR WHOLE LIFE + = One Charles Private Wealth Proprietary & Confidential Presentation
  4. Through One Charles Private Wealth we infuse conscious capitalism principles into our Circle of Care, portfolio models and investing with our Sustainable Solutions that define a “living well” plan for you and your family. Our greatest reward is being at the intersection of your life. We align with your growth objectives based on what you value and are passionate about. It’s our way of connecting to your beliefs and priorities. Our relationships are built upon trust, honesty, respect, and are directed by our fiduciary responsibilities. “Value Creation = Preserve, Protect, Grow, Sustain” 4 YOUR LONG-TERM STORY One Charles Private Wealth Proprietary & Confidential Presentation
  6. 1.  Where are you now? : WEALTH ASSESSMENT Have you safeguarded your assets? How do you envision your future? How did you get here? Partner with us as we do a thorough analysis to understand you, your goals and your challenges. 2.  What are your goals? :  BENEFIT ANALYSIS Are the financial tools at your disposal well coordinated? Are their tools you aren’t using to your advantage? Let us streamline the wealth protection process into sustainable solutions by being stewards across estate planning, advice and guidance, retirement planning, private banking, investment management, life, property, casualty insurances, tax planning, credit and lending and corporate services.  6 FINANCIAL WELL BEING One Charles Private Wealth Proprietary & Confidential Presentation
  7. BEYOND YOUR INVESTMENT PORTFOLIO 7 We differentiate ourselves by aggressively pursuing wealth preservation and wealth protections strategies. We focus on estate planning issues. Our review process also includes an insurance audit and a cash flow analysis. These are all elements of our Circle of Care. Time and again we find that this work has not been done and/or executed leaving your wealth at significant risk. •  Controlling how assets pass to individuals and organizations •  Fulfilling lifelong philanthropic goals •  Minimizing estate taxes •  Ensuring that the trust is fully funded Estate Planning Insurance Analysis for asset leveraging and wealth protection •  Survivor protection and estate planning •  Business continuation planning and executive compensation •  Charitable giving •  Auto, Health, Homeowners and Umbrella policies •  Banking– credit cards, cash investment options, certificates of deposit, checking & savings, investment & cash management accounts •  Personal Financing Solutions—credit cards, securities - based lending, customized lending •  Home Financing Solutions—Purchase, Refinance, Home Equity and more •  Business Financing Solutions Private Banking, Credit and Lending Services One Charles Private Wealth Proprietary & Confidential Presentation
  8. One Charles Private Wealth Proprietary & Confidential Presentation 8 CONSCIOUS PLANNING Through Conscious Capitalism principles of aligning with sustainable businesses, One Charles Private Wealth creates portfolio models that support your values and commitments while pursing positive returns. In this forward - thinking approach, we look to exploit gaps, create sustainability and find new solutions. Your customized portfolio helps to meet your financial needs, but also reflect the impact you want to make on the world around you.   Conscious Planning is about being intentional in the decisions you make. To guide you through the process, we will assemble the strategies and services that help you achieve your objectives. We then review all your options with you, whether they model traditional or less traditional approaches. It’s about doing the right thing - that’s just good business. Conscious Planning
  9. One Charles Private Wealth Proprietary & Confidential Presentation 9 SUSTAINABLE SOLUTIONS At One Charles we create Sustainable Solutions by combining our Circle of Care with Conscious Planning. Together through conversations, we embark on a journey to understand your values, priorities and unique situation. Then we weave financial opportunities into your life story – current and future - to create a plan with purpose.   We are the stewards of that plan. We work collaboratively with the other professionals in your life to ensure that we execute on your vision and continually refine this program as your journey continues. Your plan is about “living well” and is customized not only to your financial needs but integrates the impact you want to make on the people and communities you value. Sustainable Solutions
  10. SERVICES 10 ADVICE & PLANNING Short and Long Term Goal Assessment Asset Allocation Investment Strategies Employee Stock Option Analysis Education Planning Executive Compensation RETIREMENT Retirement and Benefit Plan Solutions Retirement Income Planning IRA’s, 401 (K)s and Annuities Distribution and Asset Transfer Solutions INVESTMENTS Investment Solutions Investing for Education Managed Solutions Alternative Investments CORPORATE SERVICES Business Financing Cash Management Retirement Benefit Plans Succession Planning CREDIT & LENDING Home Financing, Home Equity Lines of Credit Securities – Based Lending Education Funding TRACKING PROGRESS Online Account Access and Tracking Account Statements Portfolio Performance Reviews E-Delivery Stakeholder Coordination ESTATE PLANNING SERVICES Wealth Protection Strategies Trust Products and Services Insurance Planning and Products Philanthropic Solutions for Individuals and Nonprofits PRIVATE BANKING Check Writing, Direct Deposit Funds Transfer Service, Web Bill Pay   One Charles Private Wealth Proprietary & Confidential Presentation
  11. RESOURCES AND KNOWLEDGE •  Over four decades of combined industry experience among our financial advisors •  Philanthropic know how •  A Chartered Retirement Planning Counselor© YOUR BENEFITS •  A portfolio built with a tailored mix of asset classes that is appropriate for your goals, risk tolerance, liquidity needs and time horizon. •  Confidence knowing your investment portfolio is designed and managed by a dedicated team of professionals •  Efficient allocation of your portfolio to help provide income and growth while reducing volatility One Charles Private Wealth Proprietary & Confidential Presentation 11 A PERSONALIZED INVESTMENT MODEL Simplicity Transparency High Conviction A DISCIPLINED PROCESS
  12. AN INDIVIDUALIZED ASSET ALLOCATION One Charles Private Wealth Proprietary & Confidential Presentation 12 Each asset class offers you different risk and return characteristics that you can combine to create a portfolio that aligns with your goals. * EQUITY •  American depositary receipts •  Closed-end funds •  Common stock •  Exchange traded funds •  Foreign ordinary equities •  Mutual funds •  Options CASH PRIVATE EQUITY* •  Private equity funds REAL ASSETS •  Treasury inflation-protected securities •  Commodities •  Real estate investment trusts •  Real Estate HEDGE FUNDS* •  Hedge funds •  Managed futures FIXED INCOME •  Agencies •  Closed-end funds •  Corporate Debt •  Emerging market debt •  Mortgage-backed securities •  Municipal bonds •  Mutual funds •  Preferred securities •  Treasuries *Sample illustration not all investment vehicles are appropriate for all investors.
  13. ONLINE ACCESS TO YOUR FINANCIAL INFORMATION One Charles Private Wealth Proprietary & Confidential Presentation 13 - Client Login •  Organized, convenient and secure access to your full financial picture online •  Consolidated view of all your One Charles Private Wealth accounts, plus any outside financial accounts •  Research and Information: Monthly e-newsletter, Daily market update, Financial news updates •  Vault - safely store your most important documents •  Budgeting Tools •  View custom reports and proposals from your Financial Advisor Our Mobile Connectivity •  Review account information and holdings •  View custom reports and proposals from your Financial Advisor •  Available on iOS and Android
  14. 14 OUR TEAM
  15. TEAM PROFILES: WEALTH MANAGEMENT ADVISORS One Charles Private Wealth Proprietary & Confidential Presentation 15 Paul A. Squarcia Founding Partner Paul is the founder of One Charles Private Wealth. A 15 year veteran of Merrill Lynch and the former Senior Resident Director for the Hyannis, MA complex. Paul led a staff of financial advisors in providing customized wealth management solutions for affluent individuals and their families, businesses and charitable organizations. Prior to Merrill Lynch, Mr. Squarcia spent 16 years in the corporate world. He held various positions in Business Development at State Street Global Advisors, Merck Company and Digital Cane Services/Sleep Med. Paul’s focus is on an integrated approach which takes into account the personal dynamics of the client’s family wealth. Mr. Squarcia is known as a valuable resources for successful entrepreneurs. He understands the complexities inherent in business ownership. By identifying opportunities and challenges and using the appropriate estate planning and money management strategies, Paul helps provides recommendations for the preservation and transfer of wealth to future generations. Mr. Squarcia currently serves on the board of trustees for the Boys and Girls Club of Cape Cod and is a member of the Mashpee Yacht Club and Cape Cod Corvette Club. Paul enjoys fishing and boating with his wife Angela, and two young children, Ella and Ben. Professional Licenses: Series 7, 9, 10, 66, LAH
  16. One Charles Private Wealth Proprietary & Confidential Presentation 16 Erik R. Wallin, CRPC® Managing Partner Erik holds the Chartered Retirement Planning Counselor®*. Erik is a former First Vice President at Merrill Lynch and a founding partner of One Charles Private Wealth. He meets with clients for an in-depth understanding of their personal challenges. Throughout the relationship Erik will make sure that you are educated and on board with the strategies employed to help protect and grow your wealth. A veteran of the financial services industry Erik is experienced in the development and implementation of financial strategies like managing concentrated stock positions, tax planning, wealth transfer, gifting, insurance, and corporate retirement plans. He is dedicated to helping you maximize your wealth. An Economics graduate from Hobart College, Erik is a big game fisherman and boater. He has been providing investment advice since 2002. Professional Licenses: Series 7, 66, LAH, CRPC® *Chartered Retirement Planning Counselor and CRPC® are registered service marks of the College of Financial Planning TEAM PROFILES: WEALTH MANAGEMENT ADVISORS
  17. One Charles Private Wealth Proprietary & Confidential Presentation 17 Paul G. Fusco Financial Services Professional Paul joined One Charles Private Wealth after 20 years in the investment management industry, where he focused on portfolio management of financial companies for both global mutual funds and hedge funds.  Paul began his investment career at State Street Bank and Trust after graduation from Bryant College in 1994.  He then served as an analyst on John Hancock’s $13 billion dollar Regional Bank Fund, and co-manager of John Hancock’s $2 billion dollar Financial Industries Fund.  Subsequently, Paul became a senior analyst for financially focused hedge funds at Fontana Capital LLC, Tisbury Capital LLC, and was founder and portfolio manager of Núuk Capital.  Then he moved into the insurance industry and went on to work at New York Life. Paul has been quoted in the Wall Street Journal, The Financial Times, Boston Globe, NY Times, Barron’s, Bloomberg and other financial periodicals.  He had a weekly radio spot on WBIX, has appeared on CNBC and Bloomberg TV.   Paul serves as President of the Marshfield Girls Lacrosse Club, volunteers at the Children’s Room, Boys and Girls Club, and the Comfort Zone Camp. Professional Licenses: Series 7, 63, Life TEAM PROFILES: WEALTH MANAGEMENT ADVISORS
  18. One Charles Private Wealth Proprietary & Confidential Presentation 18 Geoffrey Gorman Chief Operating Officer Mr. Gorman is a retired Commander, United States Navy, and will be serving as the companies lead for business operations. Known for his tactical execution, meticulous planning and process improvement, Geoff has become an integral part of our team.  A champion of productivity and superior customer service, we are the beneficiaries of his 27 years of experience in the Navy leading and managing diverse employee groups to success.  He holds a Series 7 license as well as a BS in Mechanical Engineering from University of North Florida and a SM in Oceanographic Engineering from the Joint Program at Massachusetts Institute of Technology and Woods Hole Oceanographic Institute.  He was the recipient of the Bronze Star Medal and Meritorious Service Medal and serves on the Mashpee School Committee. A sailor at heart you can find Geoff on the water sailing his boat with his wife Rayna and daughter Emmalyn. Professional Licenses: Series 7 TEAM PROFILES: OPERATING OFFICER
  19. One Charles Private Wealth Proprietary & Confidential Presentation 19 Ines Seferi Relationship Manager Ines graduated Magna Cum Laude from Johnson and Wales with a degree in International Business and a concentration in Financial Services. As the team's Lead Relationship Manager she strives to ensure that we consistently deliver a high level of service. Ines is proficient at handling complex administrative issues, market orders, and utilizes new technology to maximize business efficiency. Outside of the office, Ines likes writing poetry, reading books and spending time at the beach. Professional Licenses: Series 7, 66 Brie Simon Relationship Manager Brie is dedicated to providing personalized customer service. She can assist you with your financial inquiries and requests. Skilled at data analysis and implementation she thrives in the fast paced high energy financial services environment. Miss Simon has a BA in Psychology from the University of Massachusetts Boston. Professional Licenses: Series 7, 66, LAH TEAM PROFILES: RELATIONSHIP MANAGERS
  20. One Charles Private Wealth Proprietary & Confidential Presentation 20 Chad Leverone Project Manager Chad performs data analysis and quality control reviews for the operations team. He works to maximize effecencies and anticipate implementation challenges. He is personable and professional resolving client inquiries with timely follow ups and quick turnaround times. Chad lives in Sandwich with his wife Lauren and their children Austin and Liviana. Professional Licenses: Series 7, 66, LAH . TEAM PROFILES: WEALTH MANAGEMENT ADVISORS
  21. One Charles Private Wealth Proprietary & Confidential Presentation 21 Darby Hobbs Conscious Capitalism Consultant Focused on fusing brand and sustainability principles for asset growth, Ms. Darby Hobbs launched SOCIAL3® in 2013. SOCIAL3® cultivates the Environmental, Social and Governance (ESG), Impact Investing and Corporate Social Responsibility (CSR) story lines and helps ensure that a firm’s vision and strategy align with its marketplace engagement. Darby has been a senior leader at Brown Brothers Harriman, Fidelity Investments, PNC Bank (PFPC), First Data Corporation and AMEX in marketing strategy, strategic and business planning, product development, public relations, communications and education. In 1996, Darby launched her first start-up that provided thought leadership, conferences and networking platforms for strategy, marketing and product professionals in the mutual fund industry. TEAM PROFILES: MARKETING
  23. FOCUS FINANCIAL PARTNERS Revenue America’s Fastest Growing Companies 2010, 2011, 2014, 2015 Crain’s New York Business 2012 “Fast 50” Growth Company 9 year CAGR 35% 365MM Revenue 2006 2014 AUDITED FINANCIALS 24MM By the Numbers •  The largest partnership of independent fiduciary wealth managers in the United States with approximately $365MM in annual revenue •  39 Partner Firms comprising more than 1,000 partners and employees 23 Eight Focus Firms Named to the Financial Times 300 Top RIAs List Three Focus Firms Named to the Barron’s Top 1,200 Advisors List One Charles Private Wealth Proprietary & Confidential Presentation
  24. Partner Firm Ecosystem CANADA Dorchester Wealth Management Montreal, Quebec NORTHEAST Douglas C. Lane; New York, NY Atlas Private Wealth; North Adams, MA The Colony Group; Boston, MA GW & Wade; Wellesley, MA Sentinel; Wakefield, MA Strategic Point Inv. Advisors; Providence, RI Beirne Wealth Consulting; Milford, CT LLBH Private Wealth Mgt; Westport, CT Resnick Investment Advisors; Westport, CT LVW Advisors; Pittsford, NY One Charles Private Wealth, Hingham, MA MID-ATLANTIC Portfolio Strategy Group; White Plains, NY Flynn Family Office; New York, NY Joel Isaacson & Co; New York, NY JFS Wealth Advisors; Hermitage, PA Quadrant Private Wealth; Bethlehem, PA Fort Pitt Capital Group; Pittsburgh, PA Bridgewater Wealth; Bethesda, MD Lara, May & Associates; Falls Church, VA SOUTH Patton Albertson & Miller; Macon, GA Summit Financial; Lafayette, LA Gratus Capital; Atlanta, GA The Fiduciary Group; Savannah, GA CENTRAL Vestor Capital; Chicago, IL Kovitz Investment Group; Chicago, IL Relative Value Partners; Northbrook, IL Strategic Wealth Partners; Deerfield, IL Telemus Capital; Southfield, MI LaFleur & Godfrey; Grand Rapids, MI Pettinga Financial Advisors; Evansville, IN Buckingham; St. Louis, MO INTERNATIONAL WEST Merriman Wealth Mgt; Seattle, WA Sapient Private Wealth Mgt; Eugene, OR IFAM Capital; Denver, CO WESPAC; Oakland, CA Benefit Funding Services Group; Irvine, CA HoyleCohen; San Diego, CA UNITED STATES Geographic listing based on headquarters location Home Office Satellite Office CHINA, JV Joint Venture (referral source for Chinese clients looking to invest in the U.S.) Shanghai FOCUS FINANCIAL PARTNERS ENGLAND Greystone Financial Services Ltd Manchester, London
  25. IMPORTANT CONSUMER DISCLOSURES This brochure is provided by One Charles Private Wealth for informational purposes and may contain content that is not suitable for all investors. No portion of this commentary should be construed as a solicitation to buy or an offer to sell a security, or the provision of personalized investment, tax or legal advice. Investing involves risk, including the potential loss of principal, and there can be no assurance that any particular investment or strategy will prove profitable. 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 One Charles Private Wealth, LLC), or any non-investment related content, made reference to directly or indirectly in this brochure will be profitable, be suitable for your portfolio or individual situation, or prove successful.  Moreover, you should not assume that any discussion or information contained in this brochure serves as the receipt of, or as a substitute for, personalized investment advice from One Charles Private Wealth, LLC One Charles Private Wealth is an investment advisor registered with the U.S. Securities and Exchange Commission (“SEC”) that maintains a principal office in the State of Massachusetts and additional information about the Firm is available on the SEC’s Investment Adviser Public Disclosure website at Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC. Headquartered at 18 Corporate Woods Blvd., Albany, NY 12211. Purshe Kaplan Sterling Investments and One Charles Private Wealth are not affiliated companies.  Investments through PKS or RIA are: NOT FDIC INSURED, NOT BANK GUARANTEED, MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL, and NOT INSURED BY ANY STATE OR FEDERAL AGENCY. One Charles Private Wealth Proprietary & Confidential Presentation 25