![貼
*HQHUDWH D VLJQLFDQW
QDQFLDO LPSDFW WR RXU
EXVLQHVV XVLQJ RXU
ULVNIUHH VKDUHG
VDYLQJV PRGHO
,9*貼 PZ H YLNPZ[LYLK [YHKLTHYR VM ,9* -YHUJOPZPUN 33* (SS YPNO[Z YLZLY]LK
3$57,$/ /,67 2) (;3(16( $7(*25,(6 (TXLSPHQW 0DLQWHQDQFH RQWUDFWV 48$/,),$7,216
$FFRXQW SDDEOH DXGLWLQJ ([SUHVV VKLSSLQJ 6XSSO FKDLQ SURIHVVLRQDOV IRFXVHG RQ
$GYHUWLVLQJ )UHLJKW JHQHUDWLQJ ORQJWHUP VDYLQJV
%DFNJURXQG FKHFNV )XHO $ SURYHQ H[SHQVH UHGXFWLRQ SURFHVV
DUHHU VHUYLFH ,QGXVWULDO JDVHV RQWLQJHQFEDVHG VHUYLFHV
RIIHH DQG EHYHUDJH VHUYLFHV /LIH DQG KHDOWK LQVXUDQFH (PSKDVLV RQ WKH LQGLUHFW VSHQG
RPPHUFLDO OLJKWLQJ VXSSOLHV /LIW WUXFNV $ELOLW WR ZRUN ZLWK FOLHQWV揃 FXUUHQW VXS
RS DQG FRPSXWHU HTXLSPHQW DQG 0HGLFDO VXSSOLHV SOLHUV LQ DGGLWLRQ WR SUHIHUUHG VXSSOLHUV
VXSSOLHV 0HUFKDQW FDUG SURFHVVLQJ DQG SURJUDPV GHYHORSHG E (5 VLQFH
RVW VHJUHJDWLRQ VWXGLHV 052
RXULHU VHUYLFHV 16) FKHFNV
'RFXPHQW VWRUDJH 2IFH VXSSOLHV %(1(),76
(PSORHU WD[ FUHGLW LQFHQWLYHV 2IFH IXUQLWXUH 8QELDVHG DQG REMHFWLYH
3DFNDJLQJ FRUUXJDWHG VXSSOLHV 5LVNIUHH1HYHU RXW RI SRFNHW
3DUROO SURFHVVLQJ VHUYLFHV 1DWLRQDO EHQFKPDUNLQJ RI FRVWVSULFLQJ
3ULQWLQJ DQG IRUPV VWUXFWXUHV
3URPRWLRQDO SURGXFWV VWHS PHWKRGRORJ
5DZ PDWHULDOV DQG GLUHFW VSHQG 0LQLPDO RUJDQL]DWLRQDO UHVRXUFHV
LWHPV UHTXLUHG
5HYLHZ RI FRQWUDFWV DQG 8VH RI SURYHQ SXUFKDVLQJ VWUDWHJLHV
OHDVHV
6DIHW VXSSOLHV 352-(7 0(7+2'2/2* '(/,9(5$%/(6
7HOHFRPPXQLFDWLRQV RPSOHPHQWDU FRQVXOWLQJ VHVVLRQ
7HPSRUDU VWDIQJ VWHS URDG PDS WR FRVW VDYLQJV
7HQDQW OHDVH DQDOVLV 'HWDLOHG GDWD FRPSLODWLRQ DQG DQDOVLV
7UDQVFULSWLRQ VHUYLFHV 'HYHORS 5HTXHVW IRU 3URSRVDO
7UDYHO VHUYLFHV 6XSSOLHU QHJRWLDWLRQV
8QLIRUPV 'HWDLOHG UHSRUW SUHVHQWDWLRQ
8WLOLWLHV 5HYLHZDXGLW RI VDYLQJV HYHU TXDUWHU IRU
9HKLFOHV YHKLFOH HDUV
PDLQWHQDQFH
:DVWH PDQDJHPHQW
VHUYLFHV
:RUNPHQ揃V FRPSHQVDWLRQ
UHYLHZ
Naushad Moolla 262-432-6135 nmoolla@ercsaves.com ercsaves.com/nmoolla](https://image.slidesharecdn.com/erc-expensereductioncategories-111001125302-phpapp02/85/Expense-Reduction-Categories-1-320.jpg)
Expense Reduction Categories
- 1. 貼 *HQHUDWH D VLJQLFDQW QDQFLDO LPSDFW WR RXU EXVLQHVV XVLQJ RXU ULVNIUHH VKDUHG VDYLQJV PRGHO ,9*貼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揃 FXUUHQW VXS RS DQG FRPSXWHU HTXLSPHQW DQG 0HGLFDO VXSSOLHV SOLHUV LQ DGGLWLRQ WR SUHIHUUHG VXSSOLHUV VXSSOLHV 0HUFKDQW FDUG SURFHVVLQJ DQG SURJUDPV GHYHORSHG E (5 VLQFH RVW VHJUHJDWLRQ VWXGLHV 052 RXULHU VHUYLFHV 16) FKHFNV 'RFXPHQW VWRUDJH 2IFH VXSSOLHV %(1(),76 (PSORHU WD[ FUHGLW LQFHQWLYHV 2IFH IXUQLWXUH 8QELDVHG DQG REMHFWLYH 3DFNDJLQJ FRUUXJDWHG VXSSOLHV 5LVNIUHH1HYHU RXW RI SRFNHW 3DUROO SURFHVVLQJ VHUYLFHV 1DWLRQDO EHQFKPDUNLQJ RI FRVWVSULFLQJ 3ULQWLQJ DQG IRUPV VWUXFWXUHV 3URPRWLRQDO SURGXFWV VWHS PHWKRGRORJ 5DZ PDWHULDOV DQG GLUHFW VSHQG 0LQLPDO RUJDQL]DWLRQDO UHVRXUFHV LWHPV UHTXLUHG 5HYLHZ RI FRQWUDFWV DQG 8VH RI SURYHQ SXUFKDVLQJ VWUDWHJLHV OHDVHV 6DIHW VXSSOLHV 352-(7 0(7+2'2/2* '(/,9(5$%/(6 7HOHFRPPXQLFDWLRQV RPSOHPHQWDU FRQVXOWLQJ VHVVLRQ 7HPSRUDU VWDIQJ VWHS URDG PDS WR FRVW VDYLQJV 7HQDQW OHDVH DQDOVLV 'HWDLOHG GDWD FRPSLODWLRQ DQG DQDOVLV 7UDQVFULSWLRQ VHUYLFHV 'HYHORS 5HTXHVW IRU 3URSRVDO 7UDYHO VHUYLFHV 6XSSOLHU QHJRWLDWLRQV 8QLIRUPV 'HWDLOHG UHSRUW SUHVHQWDWLRQ 8WLOLWLHV 5HYLHZDXGLW RI VDYLQJV HYHU TXDUWHU IRU 9HKLFOHV YHKLFOH HDUV PDLQWHQDQFH :DVWH PDQDJHPHQW VHUYLFHV :RUNPHQ揃V FRPSHQVDWLRQ UHYLHZ Naushad Moolla 262-432-6135 nmoolla@ercsaves.com ercsaves.com/nmoolla