1. Financial success doesn’t
happen by chance.
You know it takes vision, hard work and
determination. Sustaining financial
success requires commitment along
with sophisticated strategies
to protect and grow your
2. I’m pleased to offer you Concierge Planning, a dedicated team of Northwestern Mutual
experts with expertise in planning and designing solutions for high-net-worth clients.
The Concierge Planning team adds strength to my team and partners with your other experts, including attorneys, accountants
and family office professionals. Together we’ll deliver and implement a customized plan addressing wealth management and
preservation, business succession and exit planning, legacy needs, charitable goals and retirement planning. Services include:
COMPLEX ESTATE PLANNING BUSINESS PLANNING
ADVANCED RETIREMENT PLANNING EXECUTIVE COMPENSATION PLANNING
Building a legacy involves more than accumulating wealth; it also entails
maintaining control of your assets during your lifetime and after death.
Your dedicated Concierge Planning team works with you and your other
professional advisors to ensure your estate planning wishes are known,
honored and carried out efficiently.
• Charitable planning
• Estate and gift tax planning
• Strategies for paying premiums
It’s difficult to separate the financial needs and goals of your business with
the goals you set for yourself and your family. The Concierge Planning team
partners with my team to help you address both, allowing you to create a
competitive business advantage today and protect your business’s future
value – so you can enjoy the rewards of your hard work when it’s time to sell
or transition your business.
• Business succession planning
• Nonqualified benefits
The expert guidance from our Concierge Planning team helps to ensure
you make the most of your retirement portfolio with strategies designed
to minimize taxes and maximize income.
• Income and expense analysis
• Planning for proceeds from a business sale
• Retirement income distribution
• Tax strategy analysis
The Concierge Planning team brings expertise in the analysis and design
of executive compensation to ensure an organization attracts, retains and
motivates the most qualified leaders in a manner acceptable to owners,
shareholders and regulators.
• Bonus plans
• Nonqualified deferred compensation
• Equity compensation
• Split dollar life insurance plans
3. Financial Strength Isn’t Something We Just Claim.
We’ve Earned It.
Northwestern Mutual has earned the highest financial strength ratings awarded to any U.S. life
insurer by all the major ratings agencies. We’ve also been named one of the “World’s Most
Admired Companies” in its industry, according to FORTUNE® Magazine’s 2018 survey.
Northwestern Mutual Investment Services LLS
has been ranked among the Top 5 independent
broker-dealers, as measured by total revenues,
by Financial Planning magazine, June 2017.
RANKED AMONG THE
TOP 5 U.S. INDEPENDENT
Our Approach to Financial Planning
In concert with you, my team, your other advisors and Concierge Planning experts, we will
develop a comprehensive plan tailored to your unique needs by taking the following steps:
Although your financial plan will be
updated as your goals and circumstances
change over time, the strategy will be deeply
rooted in Northwestern Mutual’s more than
160-year history. As a mutual company with
no shareholders, we exist solely for the
benefit of providing protection, financial
strength and product value to our clients.
Understand and document
your goals and objectives
Review the plan and its
recommendations with you
and your other advisors
recommendations you select
Regularly review progress
toward your goals
Gather relevant information,
such as financial statements
and legal documents
with you and your
Create a personalized plan based on your
goals that identifies any gaps in your current
planning and can show the long-term impact
of different strategies
4. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI (life and
disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. Northwestern Long Term Care
Insurance Company (NLTC), Milwaukee, WI, (long-term care insurance) subsidiary of NM. Northwestern Mutual Investment
Services, LLC, (securities) subsidiary of NM, broker-dealer, registered investment adviser, member FINRA and SIPC. Northwestern
Mutual Wealth Management Company® (NMWMC), Milwaukee, WI, (fiduciary and fee-based financial planning services) subsidiary
of NM and federal savings bank.
A.M. Best Company, A++ (highest), April 2018; Fitch Ratings, AAA (highest), June 2018; Moody’s Investors Service, Aaa (highest),
January 2018; S&P Global Ratings, AA+ (second highest), June 2018. Third-party ratings are subject to change. Ratings are for
The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.
Peter A. Racen, CLU®, ChFC®, CFP®, AEP®, CASL®
Phone: (314) 744-5270