Sudden Wealth

Suddenly, you have control of more money than you are accustomed to handling. It could be from an inheritance, an insurance settlement, the lottery, a divorce, the sale of a business, or many other sudden money situations. While the receipt of sudden money is the ultimate American dream, too many people are no better off five years later. Impulse buying, poor planning, even well intentioned friends may turn a positive situation into a nightmare. At Harold C. Brown & Co., LLC, we have Sudden Money® Advisers who have been specially trained to guide you through this situation. We understand that this is a time of new responsibilities and choices, which can make you anxious, uncertain, even fearful. Our advisers conduct a program that helps you understand your new choices, make good decisions, learn how to test future choices, and monitor your financial and life goals. Decision-Free Zone The first thing our Sudden Money® Advisers do is create a decision-free zone. Before you buy a new home, make long-term investments, or give money to others, you should know how each of your decisions will affect your ability to fulfill other important life goals. Our advisers will take you through a series of exercises to give you a clear understanding of your new financial position before you make any crucial decisions. We take an inventory of assets, review your insurance needs, and create a cash flow plan. We give a reality check to your wish list of what to do with the money. And, in conjunction with your tax and legal advisers, we review various scenarios and develop a realistic plan. Moving Ahead The second step is implementation and investment. Many financial advisers are too anxious to get to this stage, because this is generally where they earn their fees. With our program, it takes weeks, sometimes many months. The third step is wealth management and monitoring. The Sudden Money® Advisers have taught you how to test future choices and how to monitor financial and life goals, and will continue their relationship with you in the years to come. Our firm has the only advisers in Western New York certified to offer the Sudden Money® Program. If you would like more information on how this may benefit you or someone you advise, please call us.

Founded in 1932, HCB is an investment services and financial planning firm, with clients in approximately 40 states. It is one of the area’s largest independently owned firms. HCB’s clients include individuals, trusts, charitable organizations, and pension plans. HCB currently has seven CERTIFIED FINANCIAL PLANNERTM professionals, or CFP® professionals on staff. They provide planning advice in several areas, including: • Retirement • Education • Income tax • Beneficial tax strategies • Trusts and estates • Insurance needs • Charitable giving • Cash management Investment portfolios are managed by a seasoned team of professionals. The firm’s senior portfolio managers have an average of 29 years’ industry experience, most of it right here at HCB. And the firm’s research department is in-house, which allows us to offer independent, objective research. Our staff presently includes three Chartered Financial Analysts®. And, because HCB is not an investment banker or a market maker, we have no potential conflicts of interest.