Transcript Northern Trust

The Northern Experience
ACCESS. EXPERTISE. SERVICE.
Financial Consulting Group
September 11, 2007
Greg Yaeger
Senior Vice President and
Director of Financial Consulting Group
© 2007 Northern Trust Corporation
northerntrust.com
Factors We Consider When Analyzing Financial Decisions
Tax
Considerations
Risk / Return
Expectations
Financial Issue/
Decision
Current
Cash / Income
Needs
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Family
Wishes
Why Financial Planning?
Financial planning provides a context
for managing your financial life.
Our Promise…
The freedom to focus on
what really matters.
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We’ll work with our clients to develop a plan that…
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Provides a framework for their long-term goals
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Helps our client make informed decisions
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Helps our client achieve their personal
goals and objectives
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Provides our clients with peace of mind
Financial Planning Process
A disciplined, consultative approach aimed at
managing our client’s entire financial situation.
Identify and Define Client Goals
1
Monitor and
Evaluate
Client’s
Plans
5
2
Client
4
Align Resources
to Implement Plan
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Share
Financial
Analysis
with Advisors
3
Develop Integrated
Strategies with
Advisors
Northern Trust’s Approach to Financial Planning
Proactive financial planning is essential to successful wealth management –
integrating all aspects of your client’s financial life, so they can achieve their goals.
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Understanding Your Client’s Needs
and Goals
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Planners will take the time to understand your
client’s situation as it relates to their personal
financial goals, individual income taxes and
estate planning objectives
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Financial planners are not paid to sell products
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Planners do not have financial ties to attorneys,
outside firms, accountants, insurance agents, etc.
Experience and Expertise
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An Integrated Approach

Objective Financial Planning
Planners work closely with your client’s
other advisors to develop and implement
a coordinated plan
Providing Your Clients with Measurable Value

Planners provide value through analysis, advice,
proactive implementation, expertise and results
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Planners are limited in the number of clients they
serve, so your clients receive the individual attention
they need
The Northern Experience
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Senior planners average 20 years of experience in
all aspects of financial planning and hold the highest
professional credentials, including CPA, CFA, CFP®,
ChFC, CLU, CIMA, Masters in Tax, M.B.A., and
J.D. degrees and designations
Confidentiality

Planners will not share your client’s information
with anyone unless your client ask us to do so
Northern Trust’s Financial Planning Service
Financial planning reflects what your clients want out
of life and how they would like to be remembered.
Comprehensive and
customized analysis.
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The Northern Experience
Our planners address your client’s individual
needs and help them in areas such as…
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Net worth
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Single stock exposure
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Cash flow and debt management
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Insurance and risk management
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Retirement
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Income tax
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Asset allocation and investments
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Education and major goal funding
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Compensation and benefits
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Estate and charitable giving
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Stock options
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Business succession
Consultative Team Approach
Experiences that demonstrate the success
of the team approach.
Attorney
Insurance
Advisor
Other
Advisors
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Accountant
Client
“CEO”
Northern
Trust
One Source for All Your Financial Needs
Northern Trust offers a full array of services designed with your client in mind.
Advisory Services
Private Banking
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Broad Menu of Outside Managers
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Servicing by Wealth Advisory
Services Team
Personal Credit Lines
and Swingloans
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Real Estate
Development Loans
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Customized Deliverables
Margin Loans
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Family Office Support
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Stock Option Lending
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Multigenerational Wealth Management
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Home Mortgages
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Equity Credit Lines
Global Asset Servicing for Multi-Manager
Investment Programs
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Data Aggregation and Customized Reporting
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Tax Lot and Partnership Accounting
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Investment Consulting and Performance Measurement
Comprehensive Trust Services
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Fiduciary Administration and Oversight
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Family Business Services
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Charitable Services
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Estate Settlement Services
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Real Estate and Farm Management
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Asset Custody
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Minerals Management
Financial Planning
Relationship
Team
Client
Asset Management
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Structured Investment Services
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Asset Allocation
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Equity Investing
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Fixed Income Investing
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Short-Term Asset Management
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Indexing
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Alternative Investments
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Private / Wealth Passport
Brokerage
Full-Service Brokerage
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Money Market Instruments
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Safekeeping
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Member FDIC and an Equal Housing Lender
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Retirement Planning
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Estate Planning
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Tax Planning
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Asset Allocation
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Stock Option Planning
Retirement Services
Single Stock Strategies
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Wealth Management Group Services
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Online Access to Your Banking, Trust, Investment
Management, Mutual Funds and Brokerage Information
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Qualified Plan Services
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Defined Benefit Plans
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Defined Contribution Plans
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Recordkeeping
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Investment Management
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Benefit Payment Services
Corporate Banking
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Working Capital and General Corporate Loans
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Secured and Cash Flow Lending
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Acquisition Financing
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Industrial Development Bonds
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Equipment Finance and Leasing
Appendix
Disclosure
This presentation is for your private information and is intended for one-on-one use with current or prospective clients of Northern Trust. The
information does not constitute investment advice or a recommendation to buy or sell any security, may not be suitable for all investors and is
subject to change without notice.
Securities products and brokerage services are sold by registered representatives of Northern Trust Securities, Inc. (member NASD, SIPC), a
registered investment adviser and wholly owned subsidiary of Northern Trust Corporation.
IRS CIRCULAR 230 NOTICE: To the extent that this communication or any attachment concerns tax matters, it is not intended to be used, and
cannot be used by a taxpayer, for the purpose of avoiding any penalties that may be imposed by law. For more information about this notice, see
http://www.northerntrust.com/circular230.
Not FDIC Insured | No Bank Guarantee | May Lose Value
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The Northern Experience