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Greg Werlinich President Werlinich Asset Management, LLC

Greg Werlinich President Werlinich Asset Management, LLC. In times of economic and financial uncertainty . . . you need to prepare for multiple futures. 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?

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Greg Werlinich President Werlinich Asset Management, LLC

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  1. Greg WerlinichPresidentWerlinich Asset Management, LLC

  2. In times of economic and financial uncertainty . . . you need to prepare for multiple futures. Presented by Greg Werlinich

  3. 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? Presented by Greg Werlinich

  4. 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? Presented by Greg Werlinich

  5. Types of Investments • Stocks and Bonds • Money Markets, Mutual Funds and Fund-like products • College and Retirement savings plans Presented by Greg Werlinich

  6. Stocks and Bonds Presented by Greg Werlinich

  7. Stocks – What Are They And Why Invest? • Why Own Stocks? • Income: Dividends • Capital Appreciation: Growth • Ownership Control • Types of Stocks • Common • Preferred • Lingo Presented by Greg Werlinich

  8. 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 Presented by Greg Werlinich

  9. Bonds – What Are They And Why Invest • What is a bond? • Why invest in bonds? • Safety • Current income • Principal repayment • Fixed maturities • Key Features Presented by Greg Werlinich

  10. 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 Presented by Greg Werlinich

  11. Money Markets, Mutual Fundsand Fund-Like Products Presented by Greg Werlinich

  12. Money Market Funds • A proxy for cash • Money market bank deposits • Money market mutual funds Presented by Greg Werlinich

  13. Mutual Funds - Benefits • Diversification • Simple asset allocation • Professional management • Indexing Presented by Greg Werlinich

  14. 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 ETF’s • Too many choices Presented by Greg Werlinich

  15. Exchange Traded Funds (ETF’s) • Excellent diversification • Very low cost • Trades like stocks • Tax efficient • Hedging possibilities • Dividend opportunities Presented by Greg Werlinich

  16. Real Estate Investment Trusts (REIT’s) • A simple way to invest in real estate • Many different types of REIT’s • Pays high dividends • Nicely diversifies a stock portfolio • Can buy an individual REIT or a fund Presented by Greg Werlinich

  17. Alternative Investments:High Risk/High Reward • International • Hedge Funds • Venture capital • Options • Futures • Commodities Presented by Greg Werlinich

  18. Saving For College and Retirement Presented by Greg Werlinich

  19. 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 Presented by Greg Werlinich

  20. 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 Presented by Greg Werlinich

  21. Retirement Accounts • Traditional IRA • Roth IRA • Rollover IRA • SEP IRA • SIMPLE IRA • 401(k) • 403(b) Presented by Greg Werlinich

  22. 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 Presented by Greg Werlinich

  23. Why Use An Independent Advisor? • Time, energy and expertise • Impartial advice • Clear alignment of interests • Ongoing guidance • It’s your money! Presented by Greg Werlinich

  24. Greg WerlinichWerlinich Asset Management, LLCwww.waminvest.comgreg@waminvest.com914-741-6839

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