McNeal & Randall
Ameriprise Private Wealth Advisory Practice
Eddie McNeal, CFP®, CRPC® Private Wealth Advisor
Carrie Beth Randall, CFP®, CDFA™ Financial Advisor
McNeal & Randall
Ameriprise Private Wealth Advisory Practice
At McNeal & Randall, we help you pursue your life goals through the purposeful stewardship of the financial resources entrusted to you. We do this by collaborating with you through the financial planning process that takes a comprehensive approach to your financial life. We provide personalized and professional advice, and we build a plan tailored for you.
How we can Help. As a private wealth advisory team, we focus on a wide range of financial areas, including retirement, insurance, investment management strategies, and tax and estate planning strategies. We’ll apply our knowledge and experience to help address all your sophisticated financial needs. We want you to feel confident you’re getting a high level of service and support throughout the planning process.
Strength & Resources of a Fortune 500 Company. As your Financial Advisors, we have access to specialized financial knowledge from Ameriprise. We are backed by a corporate team of financial services specialists, from stock and mutual fund analysts, to insurance, income tax planning, and estate planning consultants. This includes a strong Investment Research department, experienced money managers, and a staff of domestic and international economists. Supported by our team and as well as this extended group of resources, we can help guide you through the ups and downs of the market.
Our Services. To help formulate an effective financial plan, we will work closely with you to determine the mix of product solutions and service that are suitable for your financial needs, including: - Retirement Planning - Creating a Retirement Income Stream - Tax-Efficient Withdrawal Strategies - Insurance Protection Planning - Estate Planning Strategies - Gifting Techniques - Helping you with solutions specifically tailored for your high-income years
- Asset Allocation / Investments - Tax Planning Strategies - Pension Consulting, including recommendations for 401(k) profit sharing plans and defined benefit plans - Employee Benefits Selection - College Education Funding - Home Purchase, Mortgage and Closing Analyses - Comparison of Compensation Packages - Stewardship Investing
McNeal & Randall
Ameriprise Private Wealth Advisory Practice
Working With Our Team. Because we work as a team, our practice offers depth and diversity in our combined skills and experience. We believe you’ll enjoy the personalized service and one-to-one interaction with your advisor while also benefiting from the wider skill-set of the team as a whole. Our team is comprised of professionals with backgrounds in many fields, so you’ll understand and feel comfortable with the guidance and strategies you receive.
Eddie McNeal Private Wealth Advisor -
Retirement Income Strategies Small Business Estate Planning Strategies Charitable Giving
Carrie Beth Randall Financial Advisor -
Divorce Financial Planning Investments Retirement Planning Strategies Family Finances Insurance Women’s Financial Strategies
Stephanie McGinnis Paraplanner - Financial Reporting - Administration & Operation - Staff Management - Transactions/Money Movement - Direct Client Meeting Work flow - Coordinate Client Service Requests - Client Meeting Prep
Carla Chandler Client Service Manager -
Client Reception Appointment Scheduling Marketing Client Services Event Planning
Jonathan Blair Financial Planning Assistant - Investment Research - Financial Planning Analysis & Support - Client Meeting Prep - Client Services - Client Meeting Follow-Up
McNeal & Randall
Ameriprise Private Wealth Advisory Practice
Simple. Financial Planning/Advice Fee $800 to $1,500 Annually
Financial Planning Services Offered as Applicable -
Cash Flow Management Net Worth Review Asset Allocation Retirement Planning Child(ren)’s Educational Goals Employee Benefits Review (includes 401(k) & group insurances) Major Purchase Planning Protection/Family Security Review Basic Estate Planning Strategies Tax Planning Strategies Addressing Student Loan Debt Review of Compensation Package (new job)
Additional Services Provided -
Full Annual Financial Review One Mid-Year Financial Check-up General Account Questions 1 to 2 phone calls/emails per year
Most Appropriate for Clients Who Have - Income of $75,000 to $150,000 (or) - Investable assets of less than $250,000
Clients Requiring this level of service will work with the following advisor: - Carrie Beth Randall
Moderate. Financial Planning/Advice Fee $1,750 to $4,500 Annually
Financial Planning Services Offered as Applicable -
Cash Flow Management Net Worth Review Asset Allocation Retirement Planning Child(ren)’s Educational Goals Divorce Financial Planning Employee Benefits Review (includes 401(k) & group insurances) Major Purchase Planning Protection/Family Security Review More In-Depth Estate Planning Strategies Tax Planning Strategies Annual Gifting Pension Work Financial Analysis of Rental Property
Additional Services Provided - Full Annual Financial Review - Up to 2 other Planning Meetings - Cooperation with outside Professionals (CPA, Attorneys, etc.) - Occasional phone calls/emails per year
Most Appropriate for Clients Who Have - Income of $150,000 to $350,000 (or) - Investable assets of $250,000 to $1,000,000
Clients Requiring this level of service will work with one of the following advisors: - Carrie Beth Randall - Eddie McNeal
McNeal & Randall
Ameriprise Private Wealth Advisory Practice
Complex. Financial Planning/Advice Fee $5,000 to $15,000 Annually
Financial Planning Services Offered as Applicable -
Cash Flow Management Net Worth Review Asset Allocation Retirement Planning Child(ren)’s Educational Goals Divorce Planning w/Certified Divorce Financial Analyst Employee Benefits Review (includes 401(k) & group insurances) Major Purchase Planning Protection/Family Security Review Complex Estate Planning Strategies Tax Planning Strategies Complex Annual Gifting Strategies Pension Work Financial Analysis of Rental Property Business Owner Planning Review of Corporate Stock and Stock Options
Additional Services Provided - Full Annual Financial Review - 4 to 6 Client Contacts/Meetings - Substantial Coordination with outside Professionals (CPA, Attorneys, etc.) - Frequent phone calls/emails per year
Most Appropriate for Clients Who Have - Income of $350,000 plus (or) - Investable assets of $1,000,000 plus (or) - Own Small Business or Farm
Clients Requiring this level of service will work with one of the following advisors: - Carrie Beth Randall - Eddie McNeal
Managed Account Overview. Ameriprise® Strategic Portfolio Service SPS Advantage Account Non-discretionary investment advisory account. Review and approve your financial advisor’s trade recommendations
Ameriprise® Strategic Portfolio Service SPS Advantage Account Non-discretionary investment advisory account. Review and approve your financial advisor’s trade recommendations
0.85% - 1.9% Investment Management Fee (Wrap Fee) per year Fee ranges listed are for illustration purposes only. Your fee may be more or less than that indicated. Factors considered in determining your managed account fee can include: product implemented, investment mix and strategy, trading activity and level of service. Please reference fee schedule for more details.
Type of Investments Individual Stocks, Bonds and Exchange Traded Funds (ETFs), Unit Investment Trusts, Closed End Mutual Funds and Structured Products Exchange Traded Funds (ETFs) SPS Advantage Mutual funds are Front End Load-waived A share classes. (12b-1 fees of .25-1% may apply)*
SPS Advisor Mutual Funds are advisory share classes. (no loads, no 12b-1 fees) *Advisory shares anticipated as the primary share class beginning early 2017.
McNeal & Randall
Ameriprise Private Wealth Advisory Practice
SPS Advantage Fee Schedule. Non-discretionary Mutual Fund Models Household SPS Advantage Assets
Client Wrap Fee*
Average Expense of Underlying Assets
Total Fees
$0-249k
1.55%
.70%
2.25%
$250k-999k
1.35%
.70%
2.05%
$1M-2.9M
1.20%
.70%
1.90%
$3M+
1.00%
.70%
1.70%
The above discretionary fees apply to AmeripriseÂŽSPS Advisor accounts. You do not pay front loads or commissions for this type of account. Average investment expense may vary depending on the internal management fees of each investment. Please refer to the investment prospectus for specific expense percentages and review the Ameriprise Managed Accounts Client Disclosure Brochure for a full disclosure of the Managed Accounts Program. Client wrap fees are charged separately from AmeripriseÂŽFinancial Planning Service fees. * The above grid shows typical client wrap fees based on the SPS Advantage household balance. In additional to SPS Advantage household balance, client fees are determined by investment mix and strategy, trading activity and level of service.
Brokerage Account Overview. Ameriprise ONEÂŽ Financial Account (with check writing and other features)
$20.00 quarterly fee for accounts less than $500,000
Ameriprise Brokerage Account $12.50 quarterly fee for accounts less than $500,000 For IRA accounts an annual custodial fee of $50.00 may apply, certain exclusions may exist
Type of Investments (available in both accounts)
Individual Stocks, Bonds and Exchange Traded Funds (ETFs) Note: The typical internal expense ratio for ETFs this practice uses is between .07% to .76%
Equity Commission Trades Client online trades $19.95 for trades of less than 1,000 shares, add $.03 per share over 1,000. $6 order handling fee is charged on all equity trades. Advisor assisted trades start at $50.00 for trades of less than 1,000 shares, add $.03 per share over 1,000. Fees may vary based on stock price and number of shares.
Mutual Funds A share
C share
Sample Front End Load
Annual Fee
$0-$49,999 5.75%
contingent deferred sales charge: 1%
$50,000-$99,999 4.50% $100,000-$249,999 3.50% $250,000-$499,000 2.50% $500,000-$999,000 2.00% $1,000,000+ Net Asset Value 12b-1 fee of .25-1%
12b-1 fee of .25-1%
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Ameriprise Financial and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Ameriprise Financial Planning Service is optional, offered separately and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may change over time. Please review the Ameriprise Financial Planning Service Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Combined Disclosure Brochure, for a full description of services offered, including fees and expenses. Investment products, including shares of mutual funds, are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution and involve investment risks including possible loss of principal and fluctuation in value. Investment decisions should always be made based on an investor’s specific financial needs, objectives, goals, time horizon and risk tolerance. Past performance does not guarantee future results. Asset allocation does not assure a profit or protect against loss in declining markets. Ameriprise Financial cannot guarantee future financial results. Investment advisory services and products are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2016 Ameriprise Financial, Inc., All rights reserved.
Ameriprise Financial Services, Inc. 101 S. Lafayette St, Suite 14 Starkville, MS 39759 662.323.8318 ameripriseadvisors.com/team/mcneal-randall