Midwest Wealth Guide

ADV ERTIS IN G S UPPLEMEN T

MIDWEST

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WEALTH GUIDE UNLOCKING YOUR FINANCIAL FUTURE

FEATURED ADVISORS Crown Haven Wealth Advisors Ameriprise—Watson & Associates GCG—Phil Battin Money Managers Advisory Goldstone Financial Group

THE WALL STREET JOURNAL NEWS ORGANIZATION WAS NOT INVOLVED IN THE CREATION OF THIS CONTENT

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FINANCIAL PEACE OF MIND

CONTENTS 3 4 5 6 7 8 9 10 11

Crown Haven Wealth Advisors Ameriprise—Watson & Associates GCG—Phil Battin Money Managers Advisory Goldstone Financial Group Kabarec Financial Advisors The Kitchell Group at Morgan Stanley UBS—The Sabatini Wealth Management Group a]Kruse Asset Management b]Ameriprise—Kabza, O’Hara & Associates

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Acheiving financial peace of mind may seem elusive and abstract, as though we’re chasing a dream, trying to obtain the unattainable.

Market influxes, world events, economic indicators, earnings reports and interest rates, these are just a few of the factors that can cause uncertainty and stress among investors.

Planning for today is often a daunting task.

Planning for tomorrow and achieving our goals may seem insurmountable at times. However, by working with a professional financial advisor and designing the right financial plan, we take the first step in not just achieving our financial goals, but our life goals.

Today’s financial markets can be an overwhelming sea of confusion. Fortunately, there are experienced, well-educated professionals that are available to help us navigate these complexities and simplify our lives. The Midwest Wealth Guide is designed to give insight into local financial professionals who are ready to talk and help develop a plan of action to achieve the financial peace of mind we seek, the peace of mind you desire.

David Louis

President Financial Service Directory

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Crown Haven wealth advisors “OUR MISSION STATEMENT IS SIMPLE— TREAT EVERY PERSON AS IF HE OR SHE IS THE MOST IMPORTANT PERSON WE HAVE EVER MET; THE REST TAKES CARE OF ITSELF.” Casey A. Marx, B.S., RICP, L.I.A., founding principal of Crown Haven Wealth Advisors, is ranked among the Top 20 Advisors in the nation for the second consecutive year. He hosts “GetSafe Retirement Radio” in every U.S. market. Pre-retirees and those in retirement can be paired with a local and handpicked certified advisor who adheres to Marx’s philosophy and practices. Callers also enjoy a free copy of his latest book “Baby Boomer Retirement Boot Camp,” a single source of retirement information every individual needs to know.

A Passion to Educate Fuel s E xplosive Grow th for Independent Adv i sor

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or more than 75 years, investors have been convinced they need to deal with sales people to build their nest egg. Finding a sales person is easy. But finding quality information from advisors who place their clients’ interests first seems nearly impossible.

Casey A. Marx is on a mission to change the accepted norms of the financial advisory industry.

During his formative years, Marx witnessed his mother lose over 75 percent of her retirement funds, despite the help of the top advisor at one of the biggest firms in the country. He developed a passion to protect his own family, as well as to prevent the terribly devastating losses from random market timing for others approaching or at retirement.

Without the benefit of loans or outside support, Marx took an unorthodox approach to building his practice. In an industry dominated by captive sales people, Marx decided to go against the grain and create an independent firm, emphasizing client education and customized solutions. With a rare client-first business model, he founded Crown Haven Wealth Advisors in 2011 as an exclusive independent firm serving clients nationwide.

Now one of the young lions of finance, Marx leads the next generation of industry superstars. At the early age of 27, he was featured in Forbes as one of America’s financial leaders. Now, at the age of 30, he is sought after nationally for his expertise. He instructs hundreds of other independent advisors how to properly use his methods to help families create a happy and peaceful future.

“Because we are independent, we can offer everyday investors custom-tailored plans designed to meet their unique situation, drawing from the entire spectrum of finance to create reliable sources of retirement income,” says Marx. “We don’t answer to stockholders or sales managers with a quota... Our mission statement is simpletreat every person as if he or she is the most important person we have ever met; the rest takes care of itself.”

Crown Haven & GetSafe Radio Earn National Attention by Putting Clients First

Unabashedly client-centric, Marx and his partners protect over $3B against market loss for thousands of families across the nation.

A serial entrepreneur, Marx founded Get Safe Retirement Radio, a nationally-syndicated program that airs on Fox, CNN, CNBC, MSNBC, ESPN, and Sirius XM radio.

By using a simple three-pillared approach, Crown Haven and Marx’s handpicked GetSafe Certified Advisors provide valuable advisory services that insulate clients’ assets from the ups and downs of traditional investments while reducing or eliminating the fees related to traditional risk management.

“Focusing on clients is a rewarding way to do business and provides tremendous peace of mind. If I couldn’t educate folks, I wouldn’t be in this industry...period,” concludes Marx.

Pennwood Office Park, Bldg. #2 11495 N. Pennsylvania St., Ste. 201 Carmel, IN 46032 844.558.7233 | 317.564.4691 crownhaven.com getsaferadio.com Registered Member: National Ethics Association

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Watson & Associates “WE CALL ON THE KNOWLEDGE OF OUR ENTIRE TEAM WHEN DEVELOPING AN INDIVIDUALIZED EXECUTIVE COMPENSATION STRATEGY THAT IS ALIGNED WITH THE CLIENT’S TOTAL FINANCIAL PICTURE.”

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Innovative Strategies Add Value to Executive Compensation Package

n C-suites throughout Chicagoland, the name of Private Wealth Advisor Philip J. Watson, MBA, CRPC®, CLTC, is becoming one of the least kept secrets among executives and business owners.

Specializing in helping corporate officers, senior level managers and entrepreneurs take advantage of their compensation packages and exit strategies, Phil continually gets calls from those who were confidently referred to him by their peers.

“Our focus is high-net-worth individuals and corporate executives with high-end benefits plans,” says Phil, who owns Watson & Associates, an Ameriprise practice in Downers Grove, Illinois. “My clients are successful, knowledgeable professionals, many of whom are leaders of FORTUNE 100® companies. Talented, busy men and women, most simply don’t know all the benefits available to them or have the time to stay abreast of changes that affect them. We help make sure they are not leaving money on the table.”

Phil leads a team of industry veterans each with a specialized area of focus. Collectively they have more than 50 years of experience in the field. With a CPA, CFA, MBA and other credentials, Watson & Associates crafts multi-faceted plans that no single person could devise alone.

“We call on the expertise of our entire team when developing an individualized executive compensation strategy that is aligned with the client’s total financial picture, including profit sharing, savings plans, Social Security, insurance and more,” explains Phil.

Watson & Associates tailors strategies for each individual to enhance the value of his or her package. They look at potential tax implications associated with deferred compensation plans. Their evaluation of stock options goes beyond the underlying value of the stock to consider limitations on when the options can be exercised and the tax liability they will generate.

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Client Focused, Comprehensive Financial Planning Phil has been advising highly compensated executives and business owners for 24 years. His clientele has grown significantly over the years, with an impressive 97 percent client retention rate. As his clients prospered and advanced, so did Phil’s scope of service. He is now licensed and registered to do business in 36 states.

As a part of Ameriprise Financial, America’s leader in financial planning1, Phil and his team offer comprehensive financial planning services including investments, estate planning, retirement planning, tax planning strategies, employee stock options, small business advising and more.

“We value our local autonomy,” says Phil. “It frees us to focus exclusively on the welfare of our clients rather than representing any specific products. We work hard to earn their trust.”

Watson & Associates Philip J Watson, MBA, CRPC®, CLTC Private Wealth Advisor | Watson & Associates A private wealth advisory practice of Ameriprise Financial Services, Inc.

3000 Woodcreek Dr., Suite 110 Downers Grove, IL 60515 630.541.5300 | philipjwatson.com 1 Ameriprise helped pioneer the financial planning process more than 30 years ago. We have more CERTIFIED FINANCIAL PLANNER™ professionals than any other company in the U.S. as documented by the Certified Financial Planner Board of Standards, Inc., as of Dec. 31, 2015.

Ameriprise Financial cannot guarantee future financial results.

Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues.

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.

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Personalized Advice is Key for High Net Worth Investors

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udging from Phil Battin’s impressive résumé, first time visitors often expect to receive scholarly advice from an internationally known wealth management advisor. After all, his career took him to nine countries where he met with and learned from renown leaders at the World Economic Forum, NATO, Nestle S.A. and other institutions.

But what they find is down-to-earth, relatable advice from someone who genuinely cares for those he’s been trusted to serve.

Battin’s academic achievements are remarkable. He has degrees from Cedarville University in Ohio in finance and accounting and from the International Business Institute. In addition to his international studies, he completed DePaul University’s financial planning coursework and the Heritage Institute’s legacy planning studies. He also went through John Brown’s BOOT Camp to master exit planning strategies. He is on track to meet the stringent qualifications for certification by the Center for Wealth Planning Advisors through IMCA and the University of Chicago. Battin also holds his Series 6, 7, 66 registrations and life and health insurance licenses.

His professional accomplishments are no less noteworthy. Having cut his teeth in the fast paced, dog-eat-dog realm of Wall Street, Battin moved his practice to GCG in Deerfield, Illinois in 1999. At GCG, he could pursue his passion for honest, relationship-based service. Battin works closely with GCG’s staff of professionals in the areas of wealth management, insurance and executive benefits. He also has an extensive network of subject matter experts he can call on an as-needed basis.

Along the way, he has become a person of great influence in a wide range of arenas. He is treasurer of the Pinnacle Forum national board. As a board member of the UN Christian Embassy, he has the ear of domestic and international government leaders (Congressional members and UN delegates). Battin sits on the Chicago NFL Alumni Advisory Board and is one of the youngest people to be inducted into the prestigious Max McGraw Wildlife Foundation.

An Alera Group Company Three Parkway North, Suite 500 Deerfield, IL 60015-2567 847.457.3154 gcgfinancial.com/team/phillip-e-battin

“AFFLUENT INVESTORS NEED A PARTNERSHIP BASED ON CHARACTER, COMPETENCE AND CHEMISTRY.” PHIL BATTIN, VICE PRESIDENT, WEALTH MANAGEMENT, GCG

The Mind of a Scholar, The Heart of a Shepherd.

“Working with GCG gives me the luxury to do what’s best for the client, not my employer’s shareholders,” explains Battin, a member of The Million Dollar Round Table (Top of Table). “To a financial planner, the transaction is a product of a relationship. To a salesperson, the transaction is the source of the relationship.”

Battin’s knowledge of global investment opportunities and his genuine sensitivity to the needs of those from different cultures contribute to the success of his practice. Due to the depth of his relationships, his practice has grown almost entirely from referrals since 1999. Battin and GCG have over $1 billion in assets under administration.

“I invest so much into each relationship that clients hardly ever leave,” he says. “I follow the example of the wisest teacher, Jesus Christ, who spoke to people where they were, without judgement, without an alternative agenda.

My goal is to walk with people at their pace, educating them, empowering them to make good decisions, and protecting them from themselves.”

Phil Battin is a Registered Representative and Investment Advisory Representative of Securian Financial Services.

Million Dollar Round Table (MDRT) is an independent membership organization of life insurance and financial service professionals. Membership levels are based on commissions, premiums, or fees generated within a year from investment and insurance products. Members must apply annually and pay a fee. Members must be members in good standing of a Professional Association which has met the following criteria: in existence at least 2 years, have 100 or more members, must be a nonprofit organization, must have a code of ethics and an effective means of dealing with breaches of its code. Members must also adhere to the MDRT Code of Ethics. Working with this advisor is not a guarantee of future financial results. Investors should conduct their own evaluation.

Awards and club membership are based primarily on commissions, premiums, or fees generated from investment and insurance products and other criteria relative to leadership, achievement, and recruiting. Working with this individual or firm is not a guarantee of future financial results. Investors should conduct their own evaluation Securities and Investment Advisory Services Offered through Securian Financial Service, Inc.Member FINRA/SIPC. GCG Financial, Inc. and Securian Financial Services, Inc. operate under separate ownership.

1 Based on 2016 sales

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Money Managers Advisory “THE FEAR OF OUTLIVING THEIR MONEY IS THE NUMBER ONE CONCERN FOR RETIREES.” NANCY COUTU CFP®, CLU®, CHFC®

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Tsunami of Baby Boomers Brace for Change Money Managers Advisory

very day, 10,000 Baby Boomers arrive at retirement age.

“Entering the last third of their lives healthier and stronger than any previous generation, most anticipate leading a robust lifestyle,” says Nancy Coutu CFP®, CLU®, ChFC®. “But they are also bracing for inevitable changes.”

Developing strategies that address those changes is the top priority for Coutu who cofounded Money Managers Advisory with John Gajkowski, CFP®, CLU®, ChFC®, RICP®. Both principals began their careers at one of the nation’s largest wirehouses. “After seven years working for one of the ‘big box’ brokerages, I had grown increasingly uncomfortable pushing proprietary products,” says Coutu. “In 1987, John and I agreed it was time to start our own independent firm that focuses on helping people transition into retirement.”

Planning for Retirement is Planning for Life

After 30 years dedicated to serving those entering retirement and post retirement, Coutu and Gajkowski say the fear of outliving their money is the number one concern for retirees. Yet most advisors are not economically motivated to help them create a draw-down plan because advisors no longer earn fees after assets are disbursed.

“It’s very common for those nearing retirement to bury their heads in the sand, overwhelmed with what ifs,” says Coutu. “While it’s true no one can predict the market, you don’t need a crystal ball to know the market will experience downturns. You and other family members will age. Children and grandchildren will need money for education.

End of life expenses and outstanding obligations must be met, and meaningful legacies should be planned. Ignoring these questions does not reduce the risk you’ll outlive your money, it escalates it.”

Money Managers Advisory fills that niche. Coutu and Gajkowski take a hard look at all aspects of an individual’s finances. As an RIA and 6

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with many advanced credentials such as CFP®, they craft tax efficient withdrawal strategies, estate plans, insurance solutions, and investment advice. They are among a handful of advisors who regularly include guidance on pension and Social Security. When needed, they suggest options such as working longer or making lifestyle changes.

Each plan includes five-year buckets that typically extend until the client would be well into his or her 90’s. Five-year buckets allow for the short term, intermediate and long term income needs. The goal is to produce reliable income no one will outlive. The plan is reviewed and adjusted continuously. Thanks to this strategy, Money Managers’ clients had reserves they could draw on in the aftermath of the market crash in 2008 without having to reduce their quality of life or return to work.

“In addition to financial matters, we also help people navigate through the many emotional and psychological changes,” explains Coutu. “We have a passion for helping people plan for life, not just retirement.”

1211 W. 22nd Street, Suite 800 Oak Brook, IL 60523 630.990.7174 | 800.990.7174 www.monimgr.com

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Goldstone

Financial Group

Anthony and Michael Pellegrino can be seen hosting Securing Your Financial FutureTM every Sunday on CBS Chicago at 10:30am CT following Face the Nation.

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Anthony and Michael Pellegrino are nationally recognized as leaders in the area of investments and retirement planning. They have mentored and trained hundreds of the top financial advisors from across the country, recently addressing Advisors Excel’s national semi-annual conference as two of four featured speakers. They are regularly called on by media outlets such as CNBC’s Closing Bell, Forbes, Kiplinger’s and Money magazines.

They host Securing Your Financial FutureTM a weekly television show on CBS in Chicago.

New Strategies with Potential to Provide Financial Peace of Mind for Retirement

ince the start of the prolonged economic downturn that began in 2008, savvy investors, especially retirees and those nearing retirement, have questioned the traditional “buy and hold” philosophy. Instead, they are looking for strategies that balance wealth building with wealth preservation.

“While the last market collapse was historic in its duration, they have always been a part of ongoing stock market cycles. On average, we have one every 5-7 years,” reports Anthony Pellegrino who leads Goldstone Financial Group along with his brother and business partner Michael Pellegrino. “The question is not whether the market will experience another crisis, but when will it strike again? How much will it drop the next time it does? How you will plan for it? How many times can you weather a 20-50 percent loss in the market at your current stage of life?”

“Losses to your portfolio in the final few years before retirement or shortly thereafter can plunder a lifetime of disciplined savings. That’s why those who have 10 years or less before they retire tell us their No. 1 goal is peace of mind. Rather than taking risks in search of the big score, they choose to secure guaranteed income they won’t outlive for a portion of their portfolio,” explains Michael.

As owners of Goldstone Financial Group, a Registered Investment Advisor, Anthony and Michael have been helping make it possible to protect hard-earned assets, position investors to take advantage of growth opportunities and create predictable sources of income that will last throughout retirement. Crafting portfolios that are customized for each individual investor and produce reliable monthly retirement income is a specialty of Goldstone Financial Group, an independent financial services firm.

“We are committed to help create confident investors through potentially lower risk, lower volatility investing with active management,” says Anthony. “We utilize tactical asset managed accounts designed to help weather unpredictable markets or economic environments that

may lie ahead. Our philosophy is to strive for fair growth in up years, while minimizing the effect of the Wall Street roller coaster in bad years.”

“Compared to typical long-term strategic asset allocation, tactical asset allocation involves making appropriate moves in anticipation of changes in the marketplace,” adds Michael “In a defensive posture, we have the ability to shift a portfolio away from equities to more cash, when it’s called for, and return to equities or any of a wide number of investment vehicles when it’s safe to do so. These strategies can potentially help limit big swings in bad economies.

630.620.9300 888.544.GSFG (4734) GoldstoneFinancialGroup.com Blog: GoldstoneFinancialGroup.net Investment Advisory Services offered through Goldstone Financial Group, LLC (GFG), an SEC Registered Investment Advisor. Securities Offered Through TCM Securities, Inc. (TCM), Member FINRA/SIPC. 2230 Towne Lake Pkwy. Bdg 800, Ste 130, Woodstock, Georgia 30189.

Tel: 404-889-8733. GFG is independent of TCM.

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Kabarec Financial Advisors

How Far Into the Future Does Your Financial Plan Take You?

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ich people never want to be poor. “Whether one’s riches are counted in millions or with a few less zeroes, everyone wants to preserve hard-earned assets,” says Michael Kabarec, CFP®, CPA/PFS/EA, president of Kabarec Financial Advisors, Ltd. (KFA) in Palatine, Illinois.

Kabarec’s advice, which emphasizes protection against volatile market downturns, has been tested and proven many times since he opened his office in a spare bedroom in his home back in 1982.

Perhaps never more proven than in 2008, when the major financial markets lost more than 30 percent of their value. His clients already had solid plans in place which reduced their exposure and minimized their losses. They weathered the storm and outperformed the S&P. It’s a Process, Not an Event According to Kabarec, retirement readiness is much more complex than simply building a nest egg. “Accumulating wealth is only the first step,” he says. “Preserving wealth throughout retirement is equally important in assuring long-term financial stability. At KFA, we take the lifelong-view when it comes to financial planning, encompassing decades as well as multiple generations ahead.”

Recently, the firm took a creative approach to a multi-generation challenge when a newly married couple combined their two separate households into one. KFA crafted a plan which kept the interests of the children/step-children separate. They built an estate plan around the two families, becoming one, but at the same time remaining separate.

Kabarec’s approach to financial planning begins with a thorough understanding of each client’s goals and desires. “The process must begin and end with your unique goals in mind. No one should be forced into a one-size-fits-all category. This is just one of the reasons KFA has remained an independent advisor since day one.”

Our plan encompasses all aspects of an individual’s finances from cash and liabilities to protection, investments and taxes, and carefully incorporates it with the current market and economic conditions.

“These items are interrelated. When one aspect changes, the rest of the plan needs to adjust in order to compensate. Using helpful tools like mind mapping, our clients receive an easy-to-understand document that organizes all the information and demonstrates which parts are related to help clients manage all the moving parts of their lives.”

“ACCUMULATING WEALTH IS ONLY THE FIRST STEP,” KABAREC SAYS. “PRESERVING WEALTH THROUGHOUT RETIREMENT IS EQUALLY IMPORTANT IN ASSURING LONG-TERM FINANCIAL STABILITY.” Big Enough to Serve, Small Enough to Care Because Kabarec Financial Advisors does not focus on transactions or products, they are able to focus on the need of each client. The firm carefully maintains a veteran staff dedicated to over-the-top service. After 35 years in the field, they have seen it all and can pull together a team as needed to solve challenging situations. For example, the team helped a client expedite a change of residence into an area with lower taxes, while also avoiding a looming tax burden. Service like this contributes to KFA’s nearly 100 percent client retention rate.

“This is a longstanding commitment for us,” says Kabarec. “We intend to continue working with the clients we serve and their families for decades to come, whether they are sending their children off to college, becoming grandparents, making plans for a smooth business succession, or transitioning into retirement. Looking at our clients as a multi-decade and a multi-generational relationship impacts the decisions we make.”

Kabarec Financial Advisors, Ltd. Building Better Futures 220 N. Smith Street, Suite 220 Palatine, IL 60067 847.934.7777 info@kabarec.com | www.kabarec.com 8

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The Kitchell Group At Morgan Stanley

Standing (L-R): Richard H. Kitchell, First Vice President; Neal E. Kitchell, Senior Vice President; Donald S. Kitchell, Vice President; Seated (L-R): Emily Kitchell, Financial Advisor; Eric A. Kitchell, CFP®, Financial Advisor; Sarah Kitchell, Financial Advisor;

Comprehensive Financial Services, From Our Family to Yours

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or four decades, financial advisor Neal E. Kitchell has been guiding high-net-worth families through a framework that seeks to convert their savings into sustainable income. Since he started his career, the Senior Investment Management Consultant has been a source of sound advice as his clients were navigated securely through five recessions, stagflation, double-dip recessions, the dotcom crash, a housing bubble and a prolonged recovery.

Over the last 30 years, The Kitchell Group has grown and continues to evolve. In adding not only team members and a growing list of firm capabilities, the team considers themselves a source for holistic, multi-generational wealth management. Their services include but are not limited to financial, investment, retirement and estate planning strategies.

As Financial Advisors of Morgan Stanley, The Kitchell Group gives clients access to the many resources of a leading global financial services firm, while maintaining the feel of a small family practice.

Beyond stocks and bonds, the team provides a wide range of products including annuities, life and long-term care insurance; as well as alternatives to traditional securities such as commodities-based investing and private equity offerings. The Group also gives clients access to cash management and lending solutions through Morgan Stanley Private Bank, N.A.

Serving Today’s Families

One thing has not changed. The name Kitchell continues to represent the highest level of integrity and service. That’s a legacy that Neal, his brothers and other family members value.

With a combined 90+ years of experience, Neal is joined in practice by his two brothers Richard H. Kitchell (30 years experience), Donald S. Kitchell (17 years experience), and his son Eric A. Kitchell, CFP® (6 years experience). Richard’s daughter, Emily Kitchell, and Donald’s daughter, Sarah Kitchell, have recently completed their training in becoming financial advisors and are actively involved with the Group.

“OUR CLIENTS BENEFIT FROM WORKING WITH MEN AND WOMEN WITH A BLEND OF BACKGROUNDS AND THE PERSPECTIVE OF DIFFERENT AGES.”

“As a true family practice, we avoid the cutthroat environment common in other advisories where the partners fiercely compete internally,” says Neal. “We collaborate freely with each other, so clients benefit from working with men and women with a blend of backgrounds and with the perspectives of professionals of different ages.”

“Our clients have trusted us for over 30 years, even as they’ve grown older and moved great distances,” explains Eric. “We continue to serve this senior population as they transition into retirement and prepare to pass the wealth they’ll leave behind. We are also focusing much of our energies on their children and beneficiaries. Up-and-coming families and other younger investors look at wealth building in a different way than their parents do. Women, too, have their own unique needs. With the additions of Emily and Sarah, we are perfectly situated to serve the entire family for another four decades.”

Give us a call and see what our family can do for your family.

The Kitchell Group at Morgan Stanley 708.226.1900 | 800.323.1340 www.morganstanleyfa.com/thekitchellgroup Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.

Securities and Investment Advisory Services Offered through Securian Financial Service, Inc.Member The Kitchell Group is a financial advisory team with the Wealth Management division of Morgan Stanley in Orland Park, IL. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC, Member SIPC [www.sipc.org].

Morgan Stanley Financial Advisors engage Wall Street Journal to feature this profile. They may only transact business in states where they are registered or excluded or exempted from registration [https://fa.morganstanley.com/thekitchellgroup]. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where they are not registered or excluded or exempt from registration. The strategies and/ or investments referenced may not be suitable for all investors.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM and federally registered CFP (with flame design) in the U.S. CRC1732447 03/17

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The Sabatini Wealth Management Group Service is a Sabatini Family Legacy Financial Advisors Lawrence and AnnaMarie Sabatini are joined in practice by their son Michael Sabatini, a Wealth Strategy Associate and Senior Registered Client Service Associate, Dawn Jeffers, a 32 year industry veteran. Their open architecture allows them to share information so the team is working from the same plan.

Greater Chicago Financial Advisors Celebrate More Than 30 Years of Personal Relationships

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very day, 10,000 Baby Boomers arrive at retirement age. When Chicago area Financial Advisors Lawrence and AnnaMarie Sabatini launched their careers in the mid-1980s, the Dow Jones Industrial Average stood at about 1211 (The DJIA was 1211.57 on 12/31/84) and the yield on a 1-year CD was 11.27% (Source: bankrate.com).

“It’s been an amazing three decades, and we’ve been gratified to have the loyalty of so many investors over the years,” says AnnaMarie, a Certified Financial PlannerTM with The Sabatini Wealth Management Group. “We are serving second and third generations of some of our earliest clients. As we help clients understand and navigate their financial progress, our priority has always been building long-term relationships.”

The Sabatini Group’s approach to wealth management is truly comprehensive. The group offers services encompassed by financial planning; this includes retirement and estate planning strategies, college funding and generational planning. Risk management and lending services are also incorporated where appropriate.

Their consistent 28+ year affiliation with the global firm UBS Financial Services Inc. gives the group access to a full suite of wealth management tools and investment solutions as well as educational resources for their clients. This allows the advisors to help address and manage the various aspects of a client’s portfolio in a coordinated, integrated manner.

Customized, Reasoned Decision Making “Each time we help investors draw up a plan, we start with a clean sheet of paper,” says Lawrence. “At the heart of our practice is a level of integrity that allows us to offer tailor-made solutions based on client needs. We take investors through a systematic process to identify what is most important to them. Recommended strategies are then based on sound research and an understanding of their goals.” Communication is critical and financial plans are regularly reviewed through face-to-face meetings.

“We often deal with individuals experiencing a transition in their lives such as changing jobs, retiring, financing a new home or business or caring for a loved one,” says Michael. “We have the resources and a dedicated service team to provide the highest level of attention as life changes.”

This commitment to personal service is the foundation on which The Sabatini’s build their relationships and makes them part of a client’s “inner circle,” explains AnnaMarie. “We help families prepare so they can have the time they need to enjoy the life they’ve worked for.”

Lawrence and AnnaMarie Sabatini are Financial Advisors with UBS Financial Services Inc. a subsidiary of UBS AG. Member FINRA/SIPC in Oakbrook Terrace, IL. The information contained in this article is not a solicitation to purchase or sell investments. Any information presented is general in nature and not intended to provide individually tailored investment advice. Investing involves risks and there is always the potential of losing money when you invest. The views expressed herein are those of the author and may not necessarily reflect the views of UBS Financial Services Inc. Neither UBS Financial Services Inc. nor its employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment, including any estate planning strategies, before you invest or implement. In providing wealth management services to clients, we offer both investment advisory and brokerage services which are separate and distinct and differ in material ways. For information, including the different laws and contracts that govern, visit ubs.com/workingwithus.

Borrowing using securities as collateral entails risk and may not be appropriate for your needs. Please review the Loan Disclosure Statement that will be included in your application package for more information.Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.

The Sabatini Wealth Management Group at UBS Financial Services Inc. One Tower Lane, Suite 640, Oakbrook Terrace, IL 60181 630.572.4007 | 630.572.4079 financialservicesinc.ubs.com/team/thesabatinigroup sabatiniwmg@ubs.com

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MIDWEST WEALTH GUIDE

Kruse Asset Management PRINCIPALS THAT OUTPERFORM

Results of KAM’s QVP (Quantitative Value Portfolio): Over the past 10 years of trading client money, KAM’s QVP has outperformed eight of ten years and almost doubled the returns of the S&P 500, putting us in the top 1/2 of 1% of the performance of all money managers (results independently verified by Theta Research).

Strategy Description of KAM’s QVP: Kruse Asset Management evaluates fundamental characteristics of stocks from a relative perspective to determine if they have been statistically significant over a variety of economic cycles in increasing the odds of long-term outperformance.

We use those relevant characteristics to systematically evaluate the relative value of stocks today to construct KAM’s Quantitative Value Portfolio.

Stuart Kruse, CFA Kruse Asset Management 216 S. Jefferson St., Suite 302 Chicago, IL 60661

312.775.6000 stuart@kruseassetmanagement.com www.KruseAssetManagement.com Kruse Asset Management acts as an independent fiduciary

Kabza, O’Hara & Associates

K

Kerry Kabza CFP®, CPA

A PRIVATE WEALTH ADVISORY PRACTICE OF AMERIPRISE FINANCIAL SERVICES, INC.

abza, O’Hara & Associates mission is to help clients make smart financial decisions so that they can build and protect their wealth over time to achieve their financial goals. Kerry and Kevin each have over 20 years of experience in the industry and are both Ameriprise Private Wealth Advisors, who specialize in tailoring personalized financial strategies and personalized financial plans for their clients. Their entire team is passionate about client relationships and appreciate the opportunity to work closely with clients and their families to help them accomplish their individual goals.

Kevin O’Hara CFP®, ChFC®

400 E. Diehl Rd. Naperville, IL 60563 630.799.9310

1560 Matthew Dr. Suite J Fort Myers, FL 33907 239.674.7693

kerry.m.kabza@ampf.com | kevin.e.ohara@ampf.com ameripriseadvisors.com/team/kabza-ohara-associates Ameriprise Financial cannot guarantee future financial results. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame design) in the U.S. The Compass is a trademark of Ameriprise Financial, Inc. Ameriprise Financial Services, Inc. Member FINRA and SIPC. © 2017 Ameriprise Financial, Inc. All rights reserved.

MIDWEST WEALTH GUIDE

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Crown Haven Wealth Advisors

A PASSION TO EDUCATE FUELS EXPLOSIVE GROWTH FOR INDEPENDENT ADVISOR Our Philosophy Without you, there is no us. At Crown Haven, we understand that our clients are people first. People with hopes, dreams, aspirations, fears, and doubts. We understand that each of our clients is unique, and each client deserves a unique approach.

We at Crown Haven believe you deserve more than an advisor’s best guess at what the market may or may not do. You deserve a firm that can guarantee your future, and protect that future for generations to come.

We believe you deserve more than to have your savings eaten away by hidden fees and sales commissions. You deserve an advisor that doesn’t build their retirement savings by taking from yours.

We believe you deserve more than the chance of losing everything due to matters that are completely out of your control. You deserve a competitive return on your money, without the fear of losing it.

You deserve to sleep well at night knowing that your money is safe, and growing, for a future you can truly rely on.

After all, your personal finances aren’t just personal, they’re your life.

“OUR MISSION STATEMENT IS SIMPLE— TREAT EVERY PERSON AS IF HE OR SHE IS THE MOST IMPORTANT PERSON WE HAVE EVER MET; THE REST TAKES CARE OF ITSELF.”

Pennwood Office Park, Bldg. #2 11495 N. Pennsylvania St., Ste. 201 Carmel, IN 46032 844.558.7233 | 317.564.4691 crownhaven.com getsaferadio.com Registered Member: National Ethics Association

GROW YOUR EMPIRE. PROTECT YOUR CROWN. WEALTH GUIDE UNLOCKING YOUR FINANCIAL FUTURE