PRESTIGEWealth Management Group

Your Personalized CFO

FAMILY | TRUST | RESPECT

Only Retire Once

Over 30 years ago, I began my career in financial services working for

a large institution. I routinely saw families financial lives crumble as they

encountered unexpected circumstances that their financial plan failed

to account for. Lacking in-house accountants or estate planners, I saw

advisors focusing on selling investments while paying little attention

to a client’s tax situation, estate plan, or creating adequate protection

necessary to safeguard against unexpected misfortune.

This led me to start my own business with the belief that these

cornerstones, among others, are equally as important as an efficient

portfolio or money management. Through our Personalized CFO

services, we offer in-house tax planning and preparation, retirement

planning, investment management, estate planning, risk management

strategies, and more to ensure that your family has a stress tested

financial plan to help you achieve financial independence so you can

focus on living your life.

Our singular focus is you. We pro-actively navigate complicated

financial issues to keep the focus on what is important to you. Along

the journey we continually adjust for shifting financial conditions to

keep you on course to achieving your financial goals.

We are committed to providing our clients with the highest level

of personal service and expert financial guidance. Prestige Wealth

Management Group stands ready to help you realize your dreams!

Roy Williams, ChFC®

President & Founder

Roy Williams, ChFC®

President & Founder

Welcome to Prestige Wealth Management Group

Roy Williams, President & Founder of Prestige Wealth Management Group, is ranked as one of the top Independent Advisors by leading publications. Highly regarded in his field, Roy has achieved numerous industry accolades.

Barron’s Magazine has named Roy Williams to their top 1,200 Advisors list. This is the fourth time he was included in their exclusive list of Advisors.1

For the second year running, Roy was named one of the Top 100 Independent Advisors in America by Registered Rep. Magazine.2

Roy is often sought out by the national and local media for his experience and knowledge of financial matters. His insights appear in The Wall Street Journal, MarketWatch.com, BusinessWeek, and locally in The Star-Ledger and The Hunterdon County Democrat.

He is a frequent guest on CNBC. Please visit our website to view his recent appearances on Squawk on the Street, Power Lunch and Closing Bell.

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“After all, we have no more

important responsibility than

managing as best we can the

money we earn so that it

supports our family’s needs

today while funding the

future life we envision for

ourselves and those we love.” - Roy Williams

It all starts with you.

The first thing most financial advisors will want to know is “What do you have?”.

Prestige Wealth Management Group is different. We ask, “Where do you want

to go?”. After all, only when a destination has been determined can a map be

drawn to get you there.

It’s really about understanding you and your family’s lifestyle, wishes, and goals.

Only with a clear understanding of what is important to you and your family, can

we construct a detailed plan that is designed to achieve your wealth management

and life goals.

However, developing the plan is just the start of the process. In order to be

effective, the plan must be constantly monitored and updated to reflect new

developments in your life. Our dedicated team of professionals are always

available to pro-actively address questions and ensure that every aspect of

the plan is clearly understood, closely monitored and effectively implemented.

Yes, we protect and grow wealth. But what we really do is empower you

to realize the dreams and goals that are important to you.

So. Where would you like to go?

“No one’s ever achieved financial

fitness with a January resolution

that’s abandoned by February.”

- Joe Blow

Ask yourself, “where should my plan take me?”

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Ask yourself, “where should my plan take me?” Avoid the 9 deadly Retirement mistakes

Each Day 10,000 Baby Boomers Retire.

Americans reaching retirement age will continue in a steady march,

unabated for the next 19 years. Unfortunately, nearly half of today’s

workers seriously doubt their ability to retire comfortably and a

record number of Americans, more than a quarter, have pretty

much given up on the idea of ever achieving anything close to what

previous generations would call a comfortable retirement.

Only Retire Once begins with the most practical questions such as

when, how and where to retire? It asks its readers to discard the

commonly held idea that expenses will be less in retirement and

discusses our tendency to avoid thinking about life’s curve balls and

how the unexpected might impact our best-laid plans.

Woven throughout the book’s practical and timely advice are

engaging stories that illustrate the book’s main concepts and

recommendations taken directly from Roy’s vast client experiences.

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Only Retire Once

by Roy Williams, ChFC®

President and Founder,

Prestige Wealth Managment Group

Available on Amazon.com

and at www.onlyretireonce.com

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“This book unlocks

the secrets of successful

retirement planning”

- James N. Dimonekas, President,

WORTH Magazine

We recognize you are unique! Where you have been is almost as important as where you want to

go. We take the time to listen so we can learn about you and your family. We want to learn what is

important to you? What do want to achieve personally and financially?

Only when we have a clear understanding of who you are and where you want to go, do we begin

to analyze your current financial situation. Then we really go to work – developing, implementing and

monitoring every detail in order to maintain focus on your personal financial goals. All along the way

we communicate with you, as we adjust strategies resulting from changes in market conditions or in

your own personal goals. Put the power of Prestige Wealth Management Group to work for you.

Our process ALWAYS starts with listening

Listen

Analyze

Plan

Monitor

Communicate

We START by listening.We learn about your

personal goals and dreams

We analyze your entire

financial situation including: Investments,

retirement, taxes, estate plans and insurance needs

Utilizing our in-house CERTIFIED FINANCIAL PLANNERTM Professionals,

we prepare and implement a customized financial plan designed to develop an

investment portfolio that is independent and tailored to your needs

Prestige Wealth Management Groupconstantly monitors and adjusts your personal plan to account for any market or personal changes

We communicate with you through regular meetings, events, reports and webcasts to keepyou informed

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“Wealth is the ability to

fully experience life.” - Henry David Thoreau

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Personalized CFO services

WealthManagement

Financial Planning

Tax Planning

Investment Management

Retirement & Income Planning

EstatePlanning

Insurance & Risk Management

Our Personalized CFO Services provides exclusive customized planning solutions and a first-class client

experience to high net worth individuals, families and business executives. Prestige Wealth Management

Group understands that a holistic approach to wealth management encompasses so much more

than just investments. We recognize the importance of numerous considerations when planning and

implementing your personal wealth management program.

Our financial experts work in unison based on your income, investments, tax ramifications, insurance

and risk factors, and SO much more. We constantly monitor portfolio progress and adjust as necessary

to make sure it is appropriate for your financial plan. We provide the highest level of service as we work

toward the goal of our client’s financial security and legacy. Isn’t that what you really want from your

wealth management company?

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Insurance & Risk Management Asset ProtectionManaging PositionsInsurance Analysis Risk Management

Personalized CFO services

Financial Planning

• Your financial plan is developed by our in-house CERTIFIED FINANCIAL PLANNERTM professionals.

• Cash flow analysis to evaluate your cash flow needs before and during retirement

• Monte Carlo analysis projects the probability of successfully funding your retirement

• Portfolio asset allocation to mitigate risk while striving to achieve your goals and objectives

• Education planning – tax efficient vehicles to save for college tuition

Investment Management

• Independent, unbiased financial advice

• Proprietary Portfolio Solutions

• Access to all types of investment products

• Investments matched to your needs and goals

• Proactive Asset Management Process

• Allocations for 401(k)s and deferred compensation plans

• Online aggregation of all your accounts for easy viewing and accurate planning

• Strategies for stock options, restricted stock and concentrated positions

• Proactive re-balancing as financial conditions and personal goal evolve

“No one’s ever achieved financial

fitness with a January resolution

that’s abandoned by February.”

- Joe Blow

Personalized CFO services

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Retirement Income & Distribution Planning

• Analysis and determination of your retirement income needs

• Retirement plan review and analysis

• Recommendations for the best distribution strategy from your retirement plans and IRAs

• Pension distribution recommendations – lump sum, life and survivorship option

• Social Security election timing – single benefit vs. spousal benefit options

Tax Planning & Preparation

• Proactive tax planning, tax preparation and investment advice integrated under one roof

• Complimentary review of tax returns by our CPA and the accountants of PW Accounting Group

• Management of capital gains and losses to minimize taxes

• Business entity selection and formation services (LLC, S-co etc.)

• Business planning services and bookkeeping

Estate Planning

• Review of any current will and trust documents from our in-house Estate Planner

• Techniques to reduce your estate taxes

• Review of beneficiary designations and asset titling

• Establishing an Inherited IRA to continue your IRA for 70 years or longer

• Assistance with the necessary financial steps to take upon the death of a loved one

• Estate tax preparation

Risk Management & Insurance Planning

• Review property and casualty insurance exposure

• Provide insurance and protection recommendations and solutions

• Review options for life & health insurance, fixed & variable annuities, and long-term care insurance

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Learn what makes Prestige Wealth Management Different.

What makes Prestige Wealth Management different? In a word... it’s “You”. Every member of

the PWM team is focused on your success. Achieving success is all about experience, solid

planning, and communication. We understand that we succeed only when our clients succeed.

We have built our reputation on this simple philosophy.

As a PWM client, you also receive:

A complimentary Estate Plan & Tax Review

Proactively Scheduled Review Meetings - Scheduled by your Client Relations Manager

Financial Updates and Articles- From our Investment Policy Committee

Newsleters and Webcasts- to keep you educated and well informed

Client Appreciation Events- Social gatherings and seminars to educate and socialize

Tax and Financial Reports- We help you keep everything organized and in one place

We look forward to having the chance to work with you.

Through a complimentary consultation, our team

of professionals will be happy to learn more

about your situation and assist you in

developing an appropriate plan

to help you achieve

your life’s goals.

Let’s have a conversation today.

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PRESTIGEWealth Management Group

Your Personalized CFO

FAMILY | TRUST | RESPECT

A registered SEC investment advisory firm. Securities offered through Triad Advisors, Inc. Member FINRA/SIPC

IMPORTANT DISCLOSURE INFORMATIONDifferent types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Prestige Management Group) or any investment-related or financial planning consulting services, will be profitable, equal any corresponding indicated historical performance level(s), or prove successful. It remains the client’s your responsibility to advise Prestige, in writing, if there are any changes in the client’s personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising Prestige’s previous recommendations and/or services, or if the client would like to impose, add, or to modify any reasonable restrictions to Prestige’s services. A copy of Prestige’s current written disclosure statement discussing its advisory services and fees is available upon request.

Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Prestige Wealth Management Group, LLC is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Prestige Wealth Management Group, LLC by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

800-743-4768www.prestigewmg.com

31 State Route 12, Flemington, New Jersey 08822 • 908-782-0001 • Fax 908-782-4168Schoolhouse Plaza, 374 Millburn Avenue, Millburn, NJ 07041 • 973-532-6770 • Fax 973-218-1452