Hults WSG Brochure

1. MERRILL LYNCH
PRIVATE WEALTH MANAGEMENT
213 S. ARNAZ DR.  BEVERLY HILLS, CA 90211  T: (424) 202-0901  F: (424) 288-5567  SCOTT@HULTSWSG.COM  WWW.HULTSWSG.COM  A VALMARK MEMBER FIRM
WEALTH TRANSFER SOLUTIONS FOR FAMILIES & BUSINESSES OF MULTI-GENERATIONAL WEALTH
WEALTH PRESERVATION &TRANSFER

2. OVERVIEW
WEALTH CONSERVATION
AND TRANSFER
ESTATE PLANNING
BUSINESS SUCCESSION
BUSINESS INSURANCE
STRATEGIES
PHILANTHROPIC PLANNING
EXECUTIVE
COMPENSATION
PROGRAMS

G L O B A L R E S O U R C E S | C U S T O M S O L U T I O N S | E X P E R I E N C E D A D V I C E
At Hults Wealth Structuring Group, we know that families
and businesses of multi-generational wealth encounter
complex financial situations that require custom solutions
and attention to the many different areas affecting their
overall financial well being.
O U R T E A M
To help address these unique requirements, we offer a
multi-disciplinary team of senior financial specialists who,
together, provide an enhanced level of expertise for clients
requiring highly personalized attention in the preservation
and transfer of wealth.
O U R M I S S I O N
As your Wealth Transfer Advisors, our role is to enhance
the effectiveness of your asset growth and protection
strategy through sound, cost-effective insurance solutions
that are integrated with all aspects of your financial affairs.
This is accomplished by combining the global resources of
the ValMark Companies (one of the nation’s leading,
independent wealth transfer broker dealers) and their
extensive network of national and regional wealth transfer –
with the high level of personal service and experience for
which Hults WSG is known.
In addition, we work closely with your legal, tax and
investment advisors to ensure that you receive professionally
orchestrated financial analysis and implementation.
O U R C L I E N T S
Our clients include highly affluent individuals, families,
entrepreneurs and Fortune 1000 executives. We have a
distinguished reputation in the field of wealth structuring and,
through the ValMark Companies, have an estimated $30
billion of in-force life insurance with a select group of leading
life insurance and investment companies specializing in
wealth transfer funding.
2 

3. T H E Q U A L I T I E S T H A T S E T U S A P A R T
Hults Wealth Structuring Group provides several distinct
qualities that have earned the confidence of our clients and
set us apart as leaders in wealth preservation and transfer
planning.
1. K N O W L E D G E A N D F O C U S
Providing sophisticated insurance solutions for families and
businesses of multi-generational wealth is our primary
business. Our years of experience providing results for
clients have produced carefully developed disciplines for
building and preserving wealth, including personal and
business strategies for minimizing taxes and maximizing
benefits for the client’s family, business and charities.
2. C L I E N T A D V O C A C Y
The financial and insurance needs of your family and
business are at the center of our philosophy and approach.
3. N E E D S F O C U S
Our primary goal is to design the optimum strategy
around your needs. Only then do we present
alternatives for funding – in a strategic versus product-
driven context.
4. C O M P L E T E S C O P E
As an independently-owned Member Firm of the ValMark
Companies, Hults WSG is able to objectively provide the
customized solutions most suitable for your needs
through our global network of industry-leading wealth
transfer specialists and insurance providers.
OVERVIEW
3 

4. T H E Q U A L I T I E S T H A T S E T U S A P A R T
5. M U L T I - G E N E R A T I O N A L C O N T E X T
Our professional discipline not only addresses your short-
term goals, but emphasizes the long-term legacy
requirements for your spouse, business, community and
future generations.
6. C O O R D I N A T I O N W I T H A D V I S O R S
The complex issues facing clients with multi-generational
wealth require meticulous and central coordination.
Integral to our planning approach is to work closely with
your legal, tax and investment advisors to ensure that your
plan is professionally orchestrated and implemented.*
7. C O N T I N U I T Y
Our client relationships span generations, providing the
assurance that Hults WSG and the ValMark Companies
will remain active partners in your financial success.
Together, we make certain that your family and business
strategies are kept current, not only with your evolving
needs, but also with innovations in the marketplace and
changes in government regulation.
8. U N P A R A L L E L E D S E R V I C E
We believe that clients should receive a “unique
experience” that far surpasses expectations. Accordingly,
the advice that you receive and our platform of solutions
are invariably delivered with the highest level of service.
OVERVIEW
*Clients should review any planned financial
transactions that may have tax implications
with their own tax and legal advisors.
4 

5. MERRILL LYNCH
PRIVATE WEALTH MANAGEMENT
C U S T O M I Z E D S O L U T I O N S F O R Y O U R U N I Q U E A N D C O M P L E X F I N A N C I A L N E E D S
H U L T S W S G
CUSTOM SERVICES

6. Attention to detail, the
capability to consider all
aspects of a client’s situation,
and the advice of highly
experienced professionals
allow our clients to experience
the personalized services of a
small boutique – while
benefiting from the resources,
customized solutions and
variety of services that a global
firm can provide.

A D D R E S S I N G T H E C O M P L E X R E Q U I R E M E N T S O F W E A L T H
CLIENT-CENTERED SERVICES
MAINTAINING CONTROL OVER
YOUR PERSONAL AFFAIRS
Financial Strategies
Retirement Planning
Asset Transfer Strategies
Capital Preservation
Life Settlements
MANAGING RISK
Life Insurance
Long Term Care Insurance
Disability Income Insurance
Salary Continuation Plans
INCOME TAX REDUCTION
CRATS, CRUTS & NIMCRUTS
Charitable Lead Trusts
Family Limited Partnerships
Private Foundations
Donor Advised Funds
Family Corporations
Section 529 Education Plans
FEDERAL GIFT & ESTATE TAX REDUCTION
Estate Planning
Charitable Gifting Strategies
Irrevocable Life Insurance Trusts (ILITS)
Charitable Remainder Trusts
Charitable Foundations
GRATS & GRUTS
Family Limited Partnerships
QTIPS, QDOTS & QPRTS
Analysis of Trust-Owned Life Insurance
PASSING VALUE & RESPONSIBILITY TO
FAMILY MEMBERS
Dynasty Trusts
GRATS & GRUTS
Inheritors Trusts
Wealth Replacement Trusts
Private Foundations
Education Trusts
Fully Funded Revocable Trusts
ESOPS
Family Limited Partnerships
PROTECTION AGAINST LITIGATION
Limited Liability Companies
Insured Asset Protection Vehicles
CRATS, CRUTS & NIMCRUTS
Domestic Family Limited Partnerships
GRATS & GRUTS
MANAGING THE VALUE OF THE FAMILY
BUSINESS
Business Continuation Planning Strategies
Buy Sell Plans
412 (i) Plans
CRATS, CRUTS & NIMCRUTS
Wealth Replacement Trusts
ESOPS & LESOPS
Liquidation Planning
Overhead Expense Plans
Split Dollar Plans
Family Limited Partnerships
Limited Liability Companies
Irrevocable Life Insurance Trusts (ILITs)
Dynasty Trusts
RECRUIT, RETAIN, REWARD HIGHLY-PAID
EXECUTIVES
Non-Qualified Deferred Compensation Plans
Financial Strategies for Key Executives
Qualified Plans (Profit Sharing, Pension Plans,
401(k) Plans, 412(i) Plans, ESOPs)
Disability Income Insurance
Key Person Insurance
Long Term Care Insurance
6 

7. MATCHING FUNDING
STRATEGIES TO YOUR
PLAN OBJECTIVES
As your advocate in the
insurance planning process,
Hults WSG provides a
thorough and objective
evaluation of possible funding
methods using proprietary
analytical models and tools.

H O W WE H E L P Y O U A C H I E V E Y O U R G O A L S I S W H A T S E T S U S A P A R T
CLIENT-CENTERED PROGRAMS
THE TOLI EXPERT SYSTEM™
An analytical process that assists
clients and their advisors in
addressing the complex tax, trust
and legal issues involved in the
ownership of life insurance inside
irrevocable insurance trusts. This
system employs a comprehensive
five-step process (including a
Policy Management Statement) to
assure that the client receives:
 Clear objectives for the
insurance and
 Written quantifiable standards
used to assist the trustee in the
selection, structure, maintenance
and service of the policy over the
grantor’s lifetime.
THE LIFE INSURANCE DESIGN
QUESTIONNAIRE®
An assessment tool that assists
clients and their advisors in the
selection, design and purchase of
life insurance products. By
answering the Questionnaire, the
client and advisors are able to
establish objective, quantifiable
specifications for the insurance
policy and its structure, permitting
them to evaluate and select the
policy that best matches the
client’s financial objectives.
THE CLEARVIEW SYSTEM®
The ClearView System® was
designed to help our clients
understand their choices and
objectively select the type of life
insurance expertise most suited to
their needs. The ClearView System®
is a professional process that gives
our clients a transparent view of the
roles in which an insurance advisor
may serve, either as an Agent, a
Broker, or a fee-based Consultant.
With any fee-based work, the Hults
WSG Engagement Letter will clearly
summarize both your expectations
and our responsibilities to you.
7 

8. CLIENT ADVOCACY
When purchasing life
insurance or negotiating a life
settlement, our clients are
most interested in obtaining
the best pricing available
based on their needs. Hults
WSG has two unique client
advocacy programs –– backed
by one of the strongest
underwriting and life settlement
teams in the industry to assist
our clients in obtaining the best
possible results from a broad
selection of highly rated
insurance companies.

H O W WE H E L P Y O U A C H I E V E Y O U R G O A L S I S W H A T S E T S U S A P A R T
CLIENT-CENTERED PROGRAMS
THE UNDERWRITING ADVOCACY PROGRAM™
The Underwriting Advocacy Program™ is our disciplined process for
helping clients obtain the best possible underwriting rating for the
purchase of life insurance. It is particularly helpful in situations
involving large amounts of life insurance and/or a health impairment.
The process employs specialized medical expertise and a unique
method of packaging the case in order to secure insurance on the
most favorable terms. Once the case is researched and packaged,
a confidential market search is conducted to identify insurers who
will underwrite the case on a favorable basis.
Underwriting Advocacy is performed in conjunction with the ValMark
Companies’ distinguished underwriting team which includes:
 Four former life insurance company Vice Presidents of
Underwriting
 A licensed physician and former insurance company Medical
Director
 A senior staff of case management, business processing and
policy service specialists
THE LIFE SETTLEMENT ADVOCACY PROGRAM™
When considering alternatives for the sale of a life insurance policy,
our clients are most interested in obtaining the best possible price
for their insurance.
With this objective in mind, Hults WSG provides leveraged access
to all of the major life settlement providers through its relationship
with the ValMark Companies, and uses a formal, systematic
process to life settlements to ensure the highest possible value for
each policy sale.
Each step in the process employs specialized support tools and
documentation to help clients make safe, informed and objective
decisions while streamlining the life settlement process.
As an added measure of safety for the client, Hults WSG and the
ValMark Companies treat the life settlement transaction as a
security, placing it under the heightened scrutiny of FINRA.
The Life Settlement Advocacy Program™ also provides the
assurance of having one of the industry’s leading independent
teams of life settlement specialists working on the client’s behalf.
Please see additional information on page 16.
8 

9. MERRILL LYNCH
PRIVATE WEALTH MANAGEMENT
A D I S C I P L I N E D A P P R O A C H T O W E A L T H S T R U C T U R I N G
H U L T S W S G
OUR PROCESS

10. THE WEALTH STRUCTURING PROCESS
10 
Hults WSG employs an objective, disciplined process in the analysis, selection, design, acquisition and management
of life insurance as a tax-efficient tool for transferring and preserving multi-generational wealth. This process involves
working closely with you and your advisors to identify issues, review alternatives, recommend solutions, and manage
implementation with meticulous attention. Our strategic approach revolves around the following four-step process:
1. D I S C O V E R Y
2. D E T E R M I N E T H E P L A N
3. I M P L E M E N T S O L U T I O N S
4. P L A N M A N A G E M E N T

11. 1. D I S C O V E R Y
A good plan begins with discovery; which starts by
gathering and analyzing all of the relevant data.
While understanding the facts is indispensable to good
planning, facts alone remain void of meaning until they
are understood in the context of your hopes, concerns,
values, and dreams.
At Hults WSG, we listen and – with care – ask insightful
questions that illuminate the path to discovery. From
your data and our interview with you and your advisors,
we define clear objectives that form the foundation of a
good plan. Once we understand the objectives, the
risks and opportunities emerge.
The discovery of your objectives, risks, and
opportunities – and how to manage them – marks the
beginning of our disciplined approach, and leads to a
plan that will stand the test of time.
2. T R A N S F O R M I N G P U R P O S E I N T O A C T I O N
Once the discovery process is complete, our design team
begins crafting a plan to fit your unique situation. First, by
carefully analyzing your objectives and data, we isolate
your financial risks. The next step involves financial, tax,
and legal analysis—a process using stringent protocols
for researching and testing financial models, and careful
analysis of combinations of solutions. The result is a
convergence of mindful recommendations delivered in a
unified and understandable plan.
11 
THE WEALTH STRUCTURING PROCESS

12. 3. I M P L E M E N T A T I O N
It is at this step that the highest level of skill is applied
and the greatest value delivered. We roll up our
sleeves to turn your dream into a reality, applying the
appropriate blend of strategies for achieving your goals.
In tandem with your other advisors, legal documents are
drafted; funding is secured through the appropriate
vehicles; and assets are positioned and allocated to
meet your Plan’s specifications. As ideas become
reality, The Plan guides you to your chosen destination,
while making certain that those you care about have the
maps and skills to plan their own journeys.
Matching Funding Strategies To Your Plan Objectives. As
your advocate in the planning process, Hults WSG
provides a thorough and objective evaluation of
possible funding methods using proprietary analytical
models such as The Trust-Owned Life Insurance Expert
System ,The Life Insurance Design Questionnaire,
Underwriting Advocacy, The ClearView System, and
The Life Settlement Advocacy Program.
Objective Advice. Hults WSG provides a comprehensive
range of wealth transfer vehicles from a wide cross-section
of the industry’s leading insurance providers. We are not
tied to any one strategy, company or product. Therefore,
multiple providers are compared and examined before
funding recommendations are made.
4. P L A N M A N A G E M E N T
We believe that maintenance and vigilance are critical, and
they have much in common. Standing guard over your loved
ones and your personal financial goals is far more than
simple common sense. It amounts to good stewardship.
With your wealth management, this heartfelt vigilance can
only be realized from constant monitoring.
To perpetuate what you have accomplished thus far in the
process, we establish regular reviews to gauge your plan’s
performance, and make adjustments for changing laws,
regulations, market conditions, and investment performance.
The review also takes into account your changing personal
and financial circumstances.
12 
THE WEALTH STRUCTURING PROCESS

13. MERRILL LYNCH
PRIVATE WEALTH MANAGEMENT
H U L T S W S G
EXPERT ADVICE

14. 14 
P. SCOTT HULTS CLU ChFC
Scott Hults has been involved in the design and implementation of advanced planning strategies for some of the
nation’s wealthiest families as well as leaders of Fortune 500 companies. For many of these families, this
involves working with their legal, tax and investment advisors to establish, fund and leverage multi-generational
wealth strategies, frequently in tandem with philanthropic techniques.
A graduate of the Colorado State University with a degree in Accounting, he received the designations of
Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) from the American College and
holds FINRA Series 7,26, 63, and 66 licenses.
With more than 16 years of focused experience in the areas of wealth preservation and transfer, Mr. Hults was
formerly a Vice President and Ultra-High-Net-Worth Wealth Management and Insurance Specialist with Merrill
Lynch. Before joining Merrill Lynch, he was a Divisional Vice President with AXA Distributors. Other prior
experience includes the Equitable Life Assurance Society of New York as a Regional Director of Training for
Southern California and the Pacific Northwest. He also served as the Securities Product Coordinator for the
Irvine and San Francisco offices and Assistant Agency Manager of the Irvine office.
Scott and his wife, Emer, live in Los Angeles with their three children, Veronica, John and Sofia.
P R I N C I P A L

15. 15 
THE VALMARK COMPANIES
Hults WSG is a Member Office of the ValMark Companies, an
independent insurance buying cooperative with an estimated
$30 billion of in-force life insurance with a select group of
leading life insurance and investment companies specializing in
wealth transfer funding. This combined buying power creates
the opportunity for preferred access and leverage to negotiate
optimum arrangements on behalf of our clients.
The ValMark Companies:
Global Resources and Best-In-Class Expertise
The exclusive, private services made available to clients of
Hults WSG are provided by one of the most distinguished
professional teams in the wealth transfer industry. This senior
team of over 90 professionals includes:
AN UNDERWRITING DIVISION with four former insurance
company Vice Presidents of Underwriting, a licensed physician
and former insurance company Medical Director; and a senior
staff of case management, business processing and policy
service specialists.
A S T R A T E G I C A L L I A N C E
HIGHLY CREDENTIALED AND SKILLED CASE ADVISORS,
including two attorneys, two accountants, three MBAs, two
Certified Financial Planner® Practitioners, one of the
industry’s most respected Life Settlement Authorities, four
Chartered Life Underwriters, and three Chartered Financial
Consultants – all of whom are FINRA Registered Principals.
AN INFORMATION TECHNOLOGY DIVISION managed by the
former IT head of BISYS.
VALMARK’S PRESIDENT AND CEO is an attorney and Certified
Financial Planner® Practitioner; has served on the National
Board Member of the Association for Advanced Life
Underwriting and the Million Dollar Round Table Foundation;
and is author of the insurance portion of the Certified
Financial Planner® insurance examination.

16. 16 
HULTS WEALTH STRUCTURING GROUP
A M E M B E R O F F I C E O F T H E V A L M A R K C O M P A N I E S
Hults Wealth Structuring Group’s California Life
Insurance License is # 0B12687. Securities are
offered through ValMark Securities, Inc., Member
FINRA, SIPC. Investment Advisory Services are
offered through ValMark Advisers, Inc., an SEC
Registered Investment Advisor. 130 Springside Dr.
Suite 300 Akron, OH 44333. (800) 765-5201. Hults
Wealth Structuring Group is a separate entity from
ValMark Securities, Inc. and ValMark Advisers, Inc.
I M P O R T A N T I N F O R M A T I O N A B O U T L I F E S E T T L E M E N T S
In a life settlement arrangement, the current policy owner
transfers the ownership and beneficiary designation to a third
party, who will receive the death proceeds upon the death of
the insured. Individuals considering life settlements should
carefully read the entire sales agreement, consult their
advisors, and consider all available options before selling their
policies. ValMark Securities and its registered representatives
act as brokers in the life settlement transaction and may
receive a fee from the purchaser. Consult your tax advisors
regarding the taxation of life settlement proceeds. Neither
ValMark Securities nor its registered representatives provide
tax advice. ValMark Securities considers Life Settlements as a
security transaction.