CLIENT UPDATE BROCHURE 2021-1 - Prepared For:_ - rebel Financial
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CLIENT
UPDATE
BROCHURE 2021-1
Prepared For:_______________________________________
Date:______________________
THANK YOU GROWING RESPONSIBILITY
AND HIRING
Word of mouth makes our world go ‘round and we appreciate
you spreading the word. We made a lot of changes this year
AWESOME PEOPLE
and we’re happy to still have you as part of our rebel family.
Even the rebel brand has gone through some changes! We’re
working on more content, staff, and investment tools for you. PHIL RATCLIFF TONY JONES JONATHAN BAILEY ACIE MIDDLETON
We’re still the same rebel team that you know and love and PRESIDENT/SENIOR ADVISOR
614.852.4140
Phil@rebelfinancial.com
LEAD ADVISOR
614.852.4259
Tony@rebelfinancial.com
FINANCIAL COACH
614.852.4341
Jonathan@rebelfinancial.com
FINANCIAL COACH
614.636.6294
Acie@rebelfinancial.com
there’s always one thing you can count on from us: we
will always put people before profits.
JOHN CIVARDI RICHARD FLEEMAN HAILEY ROUNTREE ALEX LAURENZI
PARAPLANNER CUSTOMER SERVICE SPECIALIST ADMINISTRATIVE SPECIALIST MARKETING ASSOCIATE
614.254.6475 614.362.3765 614.964.0180 614.678.7421
John@rebelfinancial.com Richard@rebelfinancial.com Hailey@rebelfinancial.com Alex@rebelfinancial.com
Advisors & Coaches
New Hires & Promotions
TABLE OF CONTENTS Scan here to
New for 2021......................3 Everplans.............................7
learn more
DYLAN ELMORE APRIL KNIGIHT about our
MARKETING ASSISTANT MARKETING ASSISTANT Team members
Investment Styles...............4 LastPass..............................8
614.918.9158 614.852.4002
Dylan@rebelfinancial.com April@rebelfinancial.com
Taxes...................................5 Pricing Change....................9 CURRENT INTERNS
Estate Planning...................6 Giving Back........................10
JARED WHITFIELD NIKET SHAH VINNY HOANG OLIVIA DADO KATIE DOHERTY
Investment Management Intern Investment Management Intern Financial Advisory Intern Marketing Intern Financial Advisory Intern
OJ OJEOMOGHA POOJITHA THULLURU PERIN SHAH NICHOLAS SHEPARD
Financial Planning Intern Technology Intern Technology Intern Technology Intern
PREVIOUS INTERNS
ABASI BEATTY MERA CRONBAUGH SHARON NDIRABGU JAKE SCHWARTZ ANNA JOHNSTON
Investment Intern Financial Planning Intern Financial Planning Intern Financial Planning Intern Marketing Intern
NEW FOR 2021 TOOLS, TECHNOLOGY, AND CUSTODIANS
INVESTMENT STYLES EMPOWERING YOU TO INVEST YOUR WAY
One of the most powerful tools you give us is the responsibility of having discretion over your
Holistiplan is a software that helps make the financial plan-
investment portfolios. While we make the day-to-day decisions on security selection and trading,
ning process faster, more consistent, and more efficient for
we want to empower you to make top level decisions on your “style” and risk tolerance so we can
each and every client. This software creates PDF tax return
reports and can even help predict future taxes. better manage your investments per your preferences and values.
TRADITIONAL ULTRA LOW-COST
Everplans is a service to help our clients get a plan in place, • Lowest cost and best investments without • New models using low fee and
so that in case something happens to them, their loved regard to other criteria no-fee ETFs
ones and trusted advisors have access to all their most • Default investment style • Net expense ratios under 0.10% for the entire
important documents and information in one place. portfolio
OpenInvest offers value-based solutions to help unlock ESG ESG ALTERNATIVE ENERGY
the true impact of investments. With OpenInvest, we can • Portfolios that are managed with • ESG portfolios that try to exclude fossil fuels
seamlessly build, manage, and report on ESG-focused Environmental, Social, and Good Governance and are more concentrated in alternative
criteria energy: Solar/Hydro/Wind*
portfolios, engaging with clients on a new level. • Many have out-performed their “traditional”
counterparts *These portfolios can be more volatile due to the
• Net fees are comparable to the “traditional” increase in alternative investment concentrations
portfolios
NEW CUSTODIANS •
CHRISTIAN VALUES
60% Protestant to 40% Catholic •
SHARIAH/HALAL
Muslim faith-based investing style made
• Very similar to ESG except more emphasis on specifically to avoid haram: Alcohol/Gharar/
screening: Alcohol/Pornography/Gambling/ Tobacco/Riba
+
Family Values/Abortion • Our partners assist in the calculation of
Purification and Zakah
PROTECTION PLUS NEW ERA/SINGULARITY
• Portfolios built with HY Savings, Bonds, and • Will be open for up to 5-10% net worth.
guaranteed low-fee annuities • Invests in ETFs + stocks of new age tech +
Recently, Charles Schwab and TD Ameritrade merged companies. • Increase your protection and potential new socioeconomic trends
Together, they have almost a century of investment knowledge and guarantees while minimizing fees, surrender • Considerable volatility: should be aggressive
charges, and keeping your investments under risk tolerance
experience. However, because we want choice and competition,
we have added Altruist and Trading Front/Interactive Broker as our fiduciary oversight
new custodians.
DIRECT INDEXING
• Via partners like OpenInvest + Vise
• Buy stocks directly via fractional shares
• Vote proxies + per investment style/values
• Could be to any style selection
Regular Investment Style Value-Based Investment Style Check-Box to Indicate Style
03 04
TAXES EXPANDED SERVICES
ESTATE PLANNING EXPANDED SERVICES
Tax planning is an important aspect of your financial plan. rebel clients get access to free or Estate planning is an important and often overlooked area of our lifetime planning. It is easy to
reduced pricing for tax preparation & planning! Our in-house tax planning service allows our downplay its significance and to put off actually implementing one and no one likes to think about
advisors to utilize cutting-edge technology like Drake Software and GruntWorx to get your returns their own mortality. However, the best time to plan is early, and we can help you take care of this as
to you faster. quickly, and painlessly as possible.
Benefits of Estate Planning
OUR SERVICE 1. Minimize probate expenses and legal fees.
2. Move your assets to your loved ones quickly, preserve privacy, and ease the process for them.
Using our in-house services,
GruntWorx, Drake Software and 3. Provide for those that will need your help and possibly protect them from themselves.
ProtectionPlus, we work hard to get
your returns as quickly as possible. 4. Prevent misunderstanding between beneficiaries and
Price varies depending on several preserve relationships
variables, including how extensive Tony Jones
LEAD ADVISOR
your tax needs are, how much in 614.852.4259 5.Plan for your incapacity.
assets you have with us and your Tony@rebelfinancial.com Scan here to go to our
service level. 6. Potentially create a multi-generational legacy. Estate Planning site
OUR CPA PARTNERS rF OPTIONS
Use one of our third-party CPA partners to have your taxes done by a CPA professional at a discounted rate. Although not
as inexpensive as our in-house, your taxes may be more robust and require the personal touch of a licensed CPA and the 1 Online
firm behind them. Going through our partners may give you the best rate for your required tax needs.
By guiding you through the estate planning process, EP
Navigator helps you create high quality documents that ensure
Learn more online at: your wishes are accurately carried out.
rftax.com
OR 2 In-Person
Estate planning can be done in person with our
local partner state attorney
HBK - Brett Triplett Harper & Co. - Paul Brousil
Gregory Arenstein
226 North Fifth Street, Suite 500 1396 King Avenue Arenstein & Anderson Co., LPA
Columbus, OH 43215 Columbus, OH 43212 6740 Avery Muirfield Dr, Suite B
(614) 228-4000 (614) 456-7222 Dublin, OH 43017
(614) 602-6550
YOUR OWN CPA 3 Your Own Attorney
Have an attorney that you already know and love? At your own expense, do your estate planning
You are also able to work with your own personal CPA, but this is the most expensive option. We are willing to work
with any licensed CPA, but this cost is completely absorbed by you. through them and we will facilitate in any way that we can, update your financial plan with the
updated estate information, and electronically organize/store your documents in your rFPW
Vault.
05 06
EVERPLANS + ** EXPANDED SERVICES
LASTPASS ** EXPANDED SERVICES
Everplans is a service rebel recently added to our Silver and Gold client subscriptions for no Using a Password Manager is something you should be doing already, but if you’re not, this is a
additional cost. It comes after the estate planning process is completed. Everplans is an online great opportunity to start so that you can protect your information to a much greater degree and
platform that is secure enough to store your will, life insurance policy, healthcare documents, pet collaborate with us more effectively. Using LastPass with rF, will allow you to share your account
information, digital accounts, and more. Everplans is unique because you have complete control login information securely with us so we can manage your “held away” accounts more effectively
over your portal, with the ability to share information with whomever you want, whenever you want. without us having to know your login and password.
Expert Guidance Sharing
Scan here
to
learn more
and how to
use with rF
LastPass Premium is billed annually at a cost of $3 a month for 1 user. You can download
LastPass as a chrome extension and an app for both iPhone/Android. The desktop extension is
FREE.
*Please note to integrate your LastPass account with rebel Financial from your mobile devices, you will need to
have the Premium service offered by LastPass, so your passwords can be safely shared with us via phone/tablet*
Scan here
+Please note that rebel Financial does not provide legal advice and nothing on this page to
should be construed as such. We consult with your/our attorney(s) through the entire
estate planning process. You should consult with your attorney or you may ask us for a learn more
referral to an attorney in your local community before implementing any estate plan.* and how to
**THIS SERVICE IS ONLY AVAILABLE FOR SILVER AND GOLD CLIENTS use with rF **THIS SERVICE IS ONLY AVAILABLE FOR SILVER AND GOLD CLIENTS
07 08
PRICING CHANGES PEOPLE BEFORE PROFITS
GIVING BACK NON-PROFITS AND EVENTS
We are changing to net-worth billing and wanted to inform our existing clients well in advance. This advance We believe in the goodness of mankind and that humanity will continue to evolve and do wonderful
notice is to allow full transparency on how you’ll compensate us in the future, as well as to give you time to things. To that end, we are dedicated to a dual strategy of giving to help people live better lives today
reflect on the change, give us feedback, and give us time to make any necessary adjustments. while helping to direct investments to assist humanity in reaching its full potential in the years to
come.
Our goal in making this change is not to increase profitability, but to be able to help our clients with more
holistic planning without the conflict-of-interest of keeping your wealth in traditional accounts that we can
directly manage and/or bill on. Many of our clients’ primary net-worth is in account values on which we will
now be charging a lower fee, so this may be a fee-reduction for many of our clients.
OUR NON-PROFIT ORGANIZATIONS
As always we are open to your comments and feedback about this change which will be rolled out
throughout 2022 to be effective January 2023. We very much value you, your opinion, and appreciate your
help in implementing this challenging change for us!
4Advisors rebel Financial Foundation
Created to help other advisors gain The rebel Financial Foundation is particularly
EFFECTIVE JANUARY 2023
independence and follow their dreams to focused on higher education/research by
start their own firms to serve clients and assisting in lobbying efforts to help the
society effectively. Our motto is “Advisors National Science Foundation (NSF) and
serving clients, not corporations.” National Institutes of Health (NIH) obtain
more grant funding that will provide jobs and
opportunities for future generations.
GOLD SILVER eREBEL SIMPLE
ORGANIZATIONS WE SUPPORT
$3000/yr $2000/yr $1500/yr $800/yr
MIN MIN MIN MIN
Net-Worth %fee Net-Worth %fee Net-Worth %fee Net-Worth %fee
$0-500k 1.00% $0-500k 0.80% $0-500k 0.70% $0-500k 0.65%
$500k-1m 0.50% $500k-1m 0.40% $500k-1m 0.35% $500k-1m 0.30%
$1m-2m 0.40% $1m-2m 0.30% $1m-2m 0.25% Kiva 52 Million Project Speedy Sneakers
$2m-3m 0.30% $2m-3m 0.25% A crowdfunding loan service that helps Helping people make a difference through A race organizing company that operates
0.25% 0.20%
people across the world achieve their goals a dollar donation. Each person is limited to at a loss cost, allowing more flexibility for
$3m-4m $3m-4m
through small donations from others. Kiva donating a dollar per week, but the addition charities and other
$5m+ 0.20% $5m+ 0.15% Over $2m must be converted to Silver or higher Over $1m must be converted to eRebel or higher
enables people to start businesses and of more people doubles the impact. They non-profits looking to do a race
repay their loans back into the system to support various charities in and around the fundraiser event.
make the world a better place. Columbus area.
EXAMPLE 2 GOLD CLIENT
EXAMPLE 1 SILVER CLIENT
Net-Worth Calculation + $250,000 JTWROS
EVENTS
+ $25,000 Roth IRA + $450,000 TIRA
+ $25,000 Roth IRA
+ Accounts + $120,000 401k + $750,000 STRS Equity
+ $50,000 TIRA + $790,000 Home
+ Retirement + $325,000 Home - $350,000 Median Home 2020 SPONSORS REMAX AND STOLLY
+ Pension Account Equivalent - $350,000 Median Home
- $200,000 Mortgage
+ $1,500,000 Business
Scan here Sporting Clays, Golf Scramble, rebel Rousing, Wine & Dine Night, and More!
+ Home - $250,000 Business Loan
Stay updated and join our events in person or remotely through Eventbrite.com
- Median Home Price Net Worth = $195k Net Worth = $2,925,000
to go to our
Current
- Mortgage FEE = $500k x 1% = $5k
FEE = $195k x 0.80% Pricing site
+ Other RE $1m x 0.5% = $5k
$1m x 0.4% = $4k
+ Business Interests $425k x 0.3% = $1,275
$2000 MIN/yr
- Debts $1560 = or $15,275/yr
- New Outstanding Tax Liabilities $167/month*
or
$1,273/month*
09 10
Client Update 2021-1 rebel Financial is a Registered Investment Advisor. A more detailed description of the company, its management, and practice are contained in its “Firm Brochure” (Form ADV, Part 2A), which can be found at www.rebelfinancial.com or by calling us at 614-441-9605. © 2013-2021 rebel Financial | rebelfinancial.com
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