Greg Werlinich President Werlinich Asset Management, LLC

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Greg WerlinichPresidentWerlinich Asset
Management, LLC
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In times of economic and financial uncertainty .
. . you need to prepare for multiple futures.
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Why Are You Here?

• Are you worried about losing more of your
  hard-earned money?
• Are you losing faith in Wall Street and corporate
  America?
• Are you paralyzed with indecision about what to
  do?
• Are you concerned that you are not adequately
  prepared for multiple futures?

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Are You Paying Attention?

• Do you look at your statements?
• Do you know your investment performance?
• Are you trying to keep track of multiple
  accounts?
• Do you have a coherent plan for the future?

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Types of Investments

• Stocks and Bonds
• Money Markets, Mutual Funds and Fund-like
  products
• College and Retirement savings plans

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Stocks and Bonds
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Stocks What Are They And Why Invest?

• Why Own Stocks?
• Income Dividends
• Capital Appreciation Growth
• Ownership Control
• Types of Stocks
• Common
• Preferred
• Lingo

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Key Stock Events (and what they mean to you)

• Stock Splits and Reverse Splits
• Stock Dividends
• Mergers and Acquisitions
• cash, stock or both
• Spin-offs (or de-mergers)
• Stock Buybacks
• Insider buying and selling
• Bankruptcy

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Bonds What Are They And Why Invest

• What is a bond?
• Why invest in bonds?
• Safety
• Current income
• Principal repayment
• Fixed maturities
• Key Features

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Types Of Bonds

• US Government
• Bills
• Notes
• Bonds
• Municipal
• Agency
• Fanny, Freddie, Ginnie and Sallie
• Corporate
• Investment grade and High Yield
• Foreign issuer
• Bond funds

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Money Markets, Mutual Fundsand Fund-Like
Products
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Money Market Funds

• A proxy for cash
• Money market bank deposits
• Money market mutual funds

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Mutual Funds - Benefits

• Diversification
• Simple asset allocation
• Professional management
• Indexing

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Mutual Funds - Drawbacks

• Can be expensive
• Loads and annual expenses
• Confusing class structure
• Too often underperform passive indexing
• Not generally tax efficient
• Frequent manager turnover
• Not as liquid as stocks or ETFs
• Too many choices

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Exchange Traded Funds (ETFs)

• Excellent diversification
• Very low cost
• Trades like stocks
• Tax efficient
• Hedging possibilities
• Dividend opportunities

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Real Estate Investment Trusts (REITs)

• A simple way to invest in real estate
• Many different types of REITs
• Pays high dividends
• Nicely diversifies a stock portfolio
• Can buy an individual REIT or a fund

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Alternative InvestmentsHigh Risk/High Reward

• International
• Hedge Funds
• Venture capital
• Options
• Futures
• Commodities

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Saving For College and Retirement
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Saving For College

• Save in your own name
• Uniform Gifts To Minors Act UGMA
• Or Uniform Transfers to Minors Act - UTMA
• Coverdall Educations Savings Account
• Formerly known as the Education IRA
• Section 529 College Savings Account

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Section 529 Plans

• Donor retains control of the money
• Distributions are tax free
• Contributions may be partially tax-deductible
• Gifts reduce the estate of the donor
• Flexible investment options
• Easy to establish account
• Anyone can contribute
• Portability
• Benefits available to anyone in country
• High contribution limits

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Retirement Accounts

• Traditional IRA
• Roth IRA
• Rollover IRA
• SEP IRA
• SIMPLE IRA
• 401(k)
• 403(b)

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So What Can You Do?

• Reduce personal debt
• Minimize non-discretionary expenditures
• Save by Paying Yourself First
• Adjust your expectations
• Diversify your investments
• Commit to a plan of action
• Consider outside advice

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Why Use An Independent Advisor?

• Time, energy and expertise
• Impartial advice
• Clear alignment of interests
• Ongoing guidance
• Its your money!

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Greg WerlinichWerlinich Asset Management,
LLCwww.waminvest.comgreg_at_waminvest.com914-741-6
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