RIA ADVANTAGE

WESTERN ADVISORY

SERVICES

Fee-based services are the fastest growing segment of the securities industry and provide an excellent platform for delivering unbiased advice and comprehensive financial services. The nature and delivery of fee-based services is conducive to developing and maintaining long-term client relationships.

Western´s advisory programs are divided along many product specific lines including ETF and Mutual Fund Advisory, SMA Advisory, UMA Advisory and Rep as Portfolio Manager.

Through the affiliations with our clearing firms, Western offers some of the most comprehensive programs on the street today. Our programs are designed around the need for a broad spectrum of choices and respect to discretion and active portfolio management. By offering more features, investment vehicles and reporting capabilities, we have taken many steps to break down the walls between the various programs. Additionally, our professional business model emphasizes services over sales, making the Western fee-based programs the ideal for you and your clients.

WESTERN ADVISORY SERVICES

Western´s advisory programs are divided along many product specific lines including ETF and Mutual Fund Advisory, SMA Advisory, UMA Advisory and Rep as Portfolio Manager.

Advisors using Black Diamond’s integrated suite can confidently tell their story and customize each conversation to fit each client’s needs. Data, whether from our system or an outside provider’s, is at the heart of these conversations. Our data is accurate and dynamic. We make sure we get it right so you can focus on what matters—your clients and your business.

Black Diamond is revolutionizing the wealth management experience with innovative, cloud-based tools that strengthen connections with clients and prospects. We are a team of advocates for your business with deep industry knowledge and a dedication to serving your firm.

BLACK DIAMOND

WEALTH PLATFORM

BLACK DIAMOND

WEALTH PLATFORM

ADVANCED PLANNING

IN eMONEY

With robust estate planning capabilities, intuitive goal planning options, and interactive cash flowbased methodologies, eMoney’s advanced planning tools deliver an unparalleled collaborative wealth management experience for advisors and their clients.

Cash Flow-Based Planning

Show your client a detailed breakdown of all future cash flows
See your client’s net cash flow in any given year to identify savings opportunities
Model the purchase of capital assets in future years and compare different financing strategies
Show the effects of reallocating to a more conservative portfolio

Education Planning

Demonstrate the total cost of your client’s education goals with our comprehensive tuition database
Determine how much your client can afford to spend on education while still meeting retirement goals
See the benefits of contributing to a 529 plan

Estate Planning

Know your client’s potential estate tax liability in any year
See the effect of lifetime gifts on your client’s estate plan
Model a variety of charitable trusts and gifting strategies
Show how a client can maximize estate transfers using grantor trusts
See how assets are distributed at death with interactive flow charts

Investment Analysis

Build your own custom proprietary portfolios
See Morningstar asset classifications and fund breakdowns
Show how equity-based compensation fits into your client’s investment plan
Compare the risk in a prospective client’s portfolio with your recommended portfolios
Evaluate whether a plan can withstand the volatility of the market using Monte Carlo Analysis

Insurance Planning

Show how much life insurance your client needs to protect their family
See if your client is prepared for a long term care event
Model the potential impact of a disability on your client’s portfolio

Tax Calculations

Show your client’s future federal tax liability using a projected 1040 calculation
Demonstrate the impact of moving to a different state with state specific income tax calculations
See how increasing tax rates can affect your client’s retirement goals
Show the benefits of a tax-efficient portfolio

Retirement Planning

Estimate how much social security your clients can receive and model different claiming strategies
Determine whether a lump sum or pension makes sense for your client
Show how RMDs will affect your client’s cash flow and taxes after age 70
See if a Roth conversion makes sense for your client
Demonstrate how much your client can spend in retirement

ADVANCED PLANNING

IN eMONEY

National Financial Services offers our Registered Investment Advisors the managed account tools needed to attract and retain high net-worth clients. Whether you require an unbundled open architecture solution or a highly bundled turnkey program, or something in between, we have solutions available to meet all your managed account needs.

Our goal at Western International Securities is to provide you with all the tools and pricing structures to successfully walk your clients through the investment management products. This includes tools to:

Accurately profile and analyze client’s current positions;
Allocate and diversify a portfolio through a state of the art proposal generating engine;
Formalize and Implement the investment policy; and,
Monitor, supervise and rebalance the portfolio.

The Rep Directed Program allows you to manage a portfolio of Stocks, Bonds, Mutual Funds, UITs, ETFs and income-bearing options strategies based on your investment policy and model portfolios.

Through the Third Party Manager program, offered through NFS Managed Account Solutions, you choose from a variety of products that can vary from an unbundled open architecture solution to a highly bundled turnkey solution.

PROGRAMS AT NATIONAL FINANCIAL SERVICES

This model is for the advisor who enjoys greater independence. The ultra-independent advisor is an entrepreneur who has an established office and thrives/enjoys running their own business.

Accurately profile and analyze client’s current positions;
Allocate and diversify a portfolio through a state of the art proposal generating engine;
Formalize and Implement the investment policy; and,
Monitor, supervise and rebalance the portfolio.

The Rep Directed Program allows you to manage a portfolio of Stocks, Bonds, Mutual Funds, UITs, ETFs and income-bearing options strategies based on your investment policy and model portfolios.

PROGRAMS AT

PERSHING

Whether you manage your own portfolio or use third party managers, Western International and Pershing have the resources to help you reduce costs and retain high net-worth clients and compete for new business at a higher level.

Through Pershing’s Managed Account Platform you the Financial Advisor can choose from a variety of products that can vary from an unbundled open architecture solution to a highly bundled turnkey solution.

Profile and analyze client’s current positions;
Allocate and diversify a portfolio through a state of the art proposal generating engine;
Formalize and implement the investment policy; and,
Monitor, supervise and rebalance the portfolio.

Through our Rep Directed Program (Advisor One) you, the Financial Advisor, will manage the portfolio in Stocks, Bonds, Mutual Funds, UITs, ETFs and income-bearing options strategies based on your investment policy and model portfolios.

PROGRAMS AT PERSHING

This model is for the advisor who enjoys greater independence. The ultra-independent advisor is an entrepreneur who has an established office and thrives/enjoys running their own business.

National Financial Securities offers our Registered Investment Advisors the managed account tools needed to attract and retain high net-worth clients. Whether you require an unbundled open architecture solution or a highly bundled turnkey program, or something in between, we have solutions available to meet all your managed account needs.

Accurately profile and analyze client’s current positions;
Allocate and diversify a portfolio through a state of the art proposal generating engine;
Formalize and Implement the investment policy; and,
Monitor, supervise and rebalance the portfolio.

The Rep Directed Program allows you to manage a portfolio of Stocks, Bonds, Mutual Funds, UITs, ETFs and income-bearing options strategies based on your investment policy and model portfolios.

GO INDEPENDENT

^* These fields are required.

Please note we respect your autonomy and will not share your information.

Western International Securities, 70 S. Lake Ave., Suite 700, Pasadena, CA 91101 Corporate: (877) 278 .7689

National Financial Services LLC is an independent company, unaffiliated with Western International Securities, Inc. (WIS) or any other third parties referenced herein. NFS is a service provider to WIS. There is no form of legal partnership, agency affiliation, or similar relationship between WIS and NFS, nor is such a relationship created or implied by the information herein. NFS has not been involved with the preparation of the content supplied by WIS and does not guarantee, or assume any responsibility for its content.

©2015 Pershing LLC, member FINRA, NYSE, and SIPC, is a subsidiary of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, Western International Securities, Inc., and National Financial Services LLC are separate unaffiliated companies that are not responsible for the products and services of the other. Trademarks, service marks and logos belong to their respective owners. All rights reserved. Used with permission.

Western International Securities, Inc. (“Western”) has a Fully Disclosed Clearing Agreement (“Agreement”) with Wedbush Securities Inc (“Wedbush”). Western has no other affiliation, partnership, ownership interest, etc. with Wedbush or its affiliates nor is there any other relationship beyond the Agreement.

GO INDEPENDENT

^* These fields are required.

Please note we respect your autonomy and will not share your information.