1) Ameritas Investment Partners
Wealth Management
Ameritas Investment Partners
AIP 1005 12-14
AIP 1005 WM Client Brochure CMYK.indd 1
12/22/2014 10:01:55 AM
2) solutions by design
To help you meet your investment needs
Ameritas Investment Partners is a registered investment advisor who works with your trusted Investment
Advisor Representative to provide access to professional management of your investments in an individual
portfolio custom designed to help you meet your goals and objectives. When you open an Ameritas
Investment Partners Wealth Management Account, your accumulated wealth will be managed by our team of
experienced investment professionals.
The increasing complexity and volatility of the investment markets requires a dedicated, full-time portfolio
manager to meet the challenges investors face today. Together with your Investment Advisor Representative,
Ameritas Investment Partners can provide the expertise you need to help you meet your specific investment
goals.
2
AIP 1005 WM Client Brochure CMYK.indd 2
12/22/2014 10:01:56 AM
3) solutions for you
and your investment needs
Investment goals are as varied as the people or
institutions that create them. For an individual,
access to income for a comfortable retirement
and leaving a legacy for future generations may
be a priority. A business’ focus may center on
accumulating assets and managing its retirement
plan, while a charity or foundation may look to fund
current and future projects. Whether you are an
individual investor, corporation, profit sharing plan,
trust, foundation, pension plan or institution, an
Ameritas Investment Partners Wealth Management
account combines the resources of your Investment
Advisor Representative and Ameritas Investment
Partners’ investment professionals to offer you
expertise in the following strategies:
• Long-term investment management
• Tax efficiency
• Current income management
your investment plan
To help you achieve your investment goals, we
work with your Investment Advisor Representative
to develop and implement your investment plan.
1
Assess on an ongoing basis whether the
account’s strategy and asset allocation
continue to meet the objectives.
5
These professionals have developed
and managed investment solutions
for insurance companies, high net
worth individuals, mutual funds,
endowments and foundations, pension
funds and profit-sharing plans among
others. Ameritas Investment Partners
professionals have the credentials and
experience needed to help you navigate
in today’s complex investment world.
Implement your customized investment
strategy.
4
Ameritas Investment Partners is
an investment advisor registered
with the Securities and Exchange
Commission. With offices in Lincoln,
Neb., and Cincinnati, Ohio, our
experienced investment professionals
have specialized knowledge and
backgrounds across the major asset
classes in investment management.
Develop a tailored investment strategy
based on your specific risk and return
preferences.
3
Wealth Management
We take the time to review and understand
your goals in life and how your investment
can help you achieve them.
2
Ameritas Investment
Partners
Adjust and adapt as your needs evolve and
markets change.
3
AIP 1005 WM Client Brochure CMYK.indd 3
12/22/2014 10:01:56 AM
4) investment process
A team of experienced investment professionals design, implement and actively manage your portfolio.
Ameritas Investment Partners Portfolio Management Team
portfolio setup and implementation
portfolio
design
portfolio
implementation
active portfolio
management
reporting
Client questionnaire
Determine appropriate
investment vehicles
Cash flow management
Performance
Review & rebalance
portfolio
Holdings and
allocations
Manage to client
guidelines
Website availability
Risk assessment
Define investment
guidelines
Purchase/sell securities
Determine asset
allocation
Perform risk analytics
Implement investment
strategy
ongoing management
Ameritas Investment Partners Wealth Management Programs
MERCURY
MERCURY utilizes Exchange-Traded Funds (ETFs) to efficiently invest in a broad range of asset classes.
These asset classes are then strategically combined for your customized portfolio. This program is designed
for accounts of $100,000 and above.
GEMINI
GEMINI has the added capability to create a customized, tax efficient portfolio utilizing individual securities
in certain asset classes and completing the asset allocation process by investing in ETFs. This program is
designed for accounts of $500,000 and above.
asset allocation strategy
Asset allocation is an investment management strategy that addresses the risk of market fluctuations by
balancing the different characteristics of asset classes in relation to your goals and tolerance for investment
risk. Your asset allocation strategy, implemented in either the MERCURY or GEMINI program, is the blueprint
from which the Ameritas Investment Partners Wealth Management team builds your portfolio and makes
day-to-day decisions.
4
AIP 1005 WM Client Brochure CMYK.indd 4
12/22/2014 10:01:56 AM
5) frequently asked questions
What is a Wealth Management managed account?
Our managed account, also known as a Wrap Account, combines several services into one comprehensive
program for a single fee. The services include an investor needs evaluation, investment asset allocation and
planning, professional portfolio management and performance measurement and reporting. Transaction and
custody costs for securities Ameritas Investment Partners manages in the portfolio are included in the fee.
The investor, the Investment Advisor Representative and the Wealth Management team all share a common
goal – to ensure that the investor’s portfolio is aligned to meet the investor’s needs.
Benefits of a Wealth Management managed account:
• Customized solution to meet investor objectives
• An asset based, rather than commissioned-based fee structure
• Tax efficiency – the portfolio is managed to minimize tax impact while maximizing performance in line
with the investor’s needs
• GEMINI accounts offer the additional ability for the investor to make specific portfolio requests such as
income distribution or restricting specific stocks based on your preference
Isn’t my Investment Advisor Representative a professional investment
manager?
Your Investment Advisor Representative and the Ameritas Investment Partners Wealth Management
team work together to help you achieve your investment goals. Once you have made the decision to
open an Ameritas Investment Partners Wealth Management Account, the portfolio manager defines your
investment objectives and policies, researches appropriate investments, makes investment decisions and
executes transactions based on your investment profile and produces performance reports. This enables
your Investment Advisor Representative to partner with you to concentrate on your overall long-term and
comprehensive financial plan.
helping you
reach your
investment goals
* Please note that accounts will indirectly bear the
underlying expenses charged by mutual funds and/
or ETFs in your portfolio and affect a client’s overall
investment performance.
AIP 1005 WM Client Brochure CMYK.indd 5
5
12/22/2014 10:01:57 AM
6) frequently asked questions
Why is there an account minimum?
It is very difficult to provide the necessary asset allocation diversity needed to construct an efficient and
effective portfolio with holdings less than the $100,000 (MERCURY) minimum level. The greater the value of
the account, the more latitude the portfolio manager has to include specific securities such as stocks, bonds,
options, ETFs and mutual funds, to provide a diversified portfolio. Individual security selection begins at the
$500,000 (GEMINI) level and is dependent upon the securities that you may already hold in your account in
combination with a need for suitable, diversified asset allocation. Combining accounts in one household may
be used when determining account size.
What services are included for the fees charged for professional portfolio
management?
Ameritas Investment Partners Wealth Management program provides single fee pricing.* There will be no
additional charges for brokerage commissions, trading costs or custodian fees. The fee will be charged
quarterly, in advance, based upon the market value of the Ameritas Investment Partners managed account
on the last day of the previous quarter.
Your fee includes:
• Asset allocation recommendations
• Professional asset management
• Compensation to the introducing Investment Advisor Representative
• Operational transaction costs for trading activity in the account
• Custodian fees
• Internet access to your account via our website
What are the advantages of having a professional portfolio management team?
The increasing complexities of the investment markets have led more investors to turn to professionals to
manage their assets. Many decide they don’t have the time, resources or professional training to research,
select and monitor the investments in their account. The economies of scale offered by a firm that invests
large amounts of institutional assets may provide cost savings to the investor not available on an individual
level. The Ameritas Investment Partners Wealth Management team has access to research information not
generally available to the individual investor.
* Please note that accounts will indirectly bear the underlying expenses charged by mutual funds and/or ETFs in your portfolio and affect
a client’s overall investment performance. Also, Ameritas Investment Partners has arranged for Chicago Clearing Corporation (CCC) to
provide class action litigation monitoring and securities claim filing administration for a contingency fee of 20% of the amount of each
claim settlement award.
6
AIP 1005 WM Client Brochure CMYK.indd 6
12/22/2014 10:01:57 AM
7) fees and services
Single fee pricing - Part of our investment solution design is a unified approach to pricing. Instead of paying
separate charges for commissions or administrative fees, we offer a single fee based on the market value of
your account.*
Service - In addition to creating an investment portfolio that addresses your needs and goals, we are
committed to fostering a long-term relationship by encouraging open communication. Our services are
designed to provide you with answers to your investment questions.
Performance reporting - Your asset allocation strategy is tailored to meet your investment needs and the
performance reports you receive can be as well. Our standard reporting package for MERCURY accounts
includes return on investment, market values, cost information and more. While the GEMINI reporting includes
all the MERCURY level reports, special reporting needs can also be incorporated.
Secure online access - Clients can have secure online access to daily account values and Quarterly Portfolio
Reviews, as well as additional reports as requested. A paperless option is also available.
how do I get started
Meet with your Investment Advisor Representative and complete an investor questionnaire. This provides
the portfolio manager with information on such topics as: your current holdings, tax management needs,
risk tolerance, investment objectives and income requirements. The more detailed the information in the
answers provided by the investor, the more opportunity the portfolio manager will have to suggest suitable
recommendations. The Wealth Management team will then provide you and your Investment Advisor
Representative with a customized portfolio proposal for your review so that you can make an informed
decision about opening an Ameritas Investment Partners Wealth Management Account.
our relationship
begins with
your goals
7
AIP 1005 WM Client Brochure CMYK.indd 7
12/22/2014 10:01:58 AM
8) Ameritas Investment Partners
for more information, please contact Ameritas Investment Partners
Wealth Management team at 402-467-7390
390 N. Cotner Blvd.
Lincoln, NE 68505
p: 402-467-7390
p: 877-731-3336
f: 402-467-6970
1876 Waycross Road
Cincinnati, OH 45240
p: 513-632-1400
p: 877-546-3863
ameritas.com
Ameritas Investment Partners (AIP), is a registered investment adviser and provides investment advisory services for the various
Wealth Management programs which it co-sponsors with its affiliate, Ameritas Investment Corp. (“AIC”, a registered Broker/Dealer,
a member FINRA/SIPC, and a registered investment adviser). For the AIP Wealth Management programs, investment advisory
services are offered through AIP and brokerage services are offered through AIC. AIP and AIC are affiliates. Please refer to the
wrap fee program brochure for the Wealth Management programs for information about the Program, fees relating to the Program
and other important information. This material is for Broker/Dealer Use only, and may not be reproduced, shown or otherwise
communicated or quoted to members of the public.
Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service
mark of Ameritas Holding Company.
©2014 Ameritas Mutual Holding Company
AIP 1005 WM Client Brochure CMYK.indd 8
12/22/2014 10:01:58 AM