Roh Financial Adviser

Roh Financial Adviser
__________________________________________________ CASE 2 : ROTH FINANCIAL
ADVISORS ––––––––––––––––––––––––––––––––––––––––––––––––– | Table of Contents
iNTRODUCTION 3 Case study 4 INTRODUCTION Roth Financial ADVISORS (RFA), founded
nearly 10 years ago, is a financial services firm which has a diverse base of clients,some of them
were quite sophisticated,financiallyand others were just starting to invest. As the firm grew, Hugo
Roth, developed a reputation for training his associates and helping themselves in the finincial
industry. RFA's reputation ,had built a large number of customers, during its short life because of
Hugo Roth's personal reputation for honesty and fair dealing . Steve Johnson was a ... Show more
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| In such case investor would want to hold the asset to reduce the variability of the portlolio. | |
which measure , beta or standard deviation , is more helpful when analyzing stocks that are to be
placed in a portfolio? A beta tells us howmuch systemetic risk a particular asset has relative to an
average asset. By deficition an average asset has a beta of 1.0 relative to itself. Assets with larger
betas have a greater systemetic risks, therefore greater expected returns. The standard deviation is a
measure of a portfolio's total or stand–alone risk. The larger the standard deviation , the higher the
propablity that actual realized returns will fall far below the expected return. Standard devaition is a
measure of total risk ,whereas beta is a measure of systemetic risk. In a portfolio theory beta is the
relevet measure because with proper diversification all systemetic risk can be removed . therefore
investors are not compensated for taking unsystemetic or diversiable risk. Question 6 Referring to
your solutions to the questions above, discuss how beta and standard deviation(volatility) are
different. In addition, explain how systematic risk and unsystematic risk are different and how each
risk is dealt with in the capital markets. Beta compares an asset with every other asset in a market
index, and measures only systematic risk, which is
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Tax Secrets Your Financial Advisor
Tax Secrets Your Financial Advisor Forgot to Tell You
Tax Secrets Your Financial Advisor Forgot to Tell You
Financial advisors are so busy researching investments, keeping track of the market, meeting with
clients and preparing mountains of documents that they sometimes forget to advise you about tax
secrets that can save you money. Some financial advisors concentrate on specific types pf
investments, and they often receive commissions on the products that they sell. This practice isn 't
inherently bad or good, and affluent taxpayers often receive advice from various experts. Simple
things like secret tax deductions and creative tax strategies often fall through the cracks.
That 's a shame because we passionately believe that you should ... Show more content on
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The Biggest Tax Secret
Advisors who work on commissions can 't help but favor their own investment products, but these
might not be the best fit for your needs. If your tax advisor doesn 't get to know your business and
financial goals, it 's likely that he or she will miss certain business opportunities and tax deductions.
The tax code is complicated, so you can 't count on a generic financial advisor, harried accountant or
basic tax preparer to know every deduction for which you qualify.
Every tax deduction is better than found money. If you find $100 on the street, you owe taxes on
that money. If your tax advisor saves you $100, then it 's yours to spend. Consider the following
situations where an experienced tax advisor is crucial:
Transferring wealth and the family business without paying exorbitant inheritance taxes
Settling tax debt from previous years
Use pretax money to fund retirement plans
Converting nontaxable retirement plans to taxable or Roth plans to eliminate taxes on distributions
after retiring
Planning strategies for gifts, estates and trusts
Achieving philanthropic goals while providing tax advantages
Curating a personalized tax plan
Choosing the right business entity for tax advantages
Using insurance to build tax–free wealth
Avoiding the alternative minimum tax
Separating businesses into passive and active entities

Getting a bigger depreciation deduction for your business vehicle
The list of IRS "secrets" isn 't really secret, but

Financial Advisors Within The Credit Union Environment
Financial Advisors within the credit union environment have a unique situation. This section details
items Advisors need to know, understand and utilize when in the credit union environment. Several
important guidelines must be followed:
1. All broker/dealer activities must be handled by registered personal only. Non–registered
personnel may assist in clearly defined administrative duties, and no others.
2. All securities–related incoming mail must be handled by a person who has been fingerprinted and
is an associated person with FINRA through Navy Federal Brokerage Services, LLC. S/he must be
fingerprinted, complete a portion of Form U–4 for registration as an associated person with FINRA
through Navy Federal Brokerage Services, LLC and submit these documents to the Licensing &
Contracting Department. S/he must be trained to identify customer complaints, securities, and
customer funds that arrive by mail. This is a FINRA requirement, to ensure that those who handle
incoming customer correspondence have passed a thorough background investigation by the firm
and are properly trained. While the associate may be bonded by the credit union, s/he must still
submit copies of their fingerprint cards with a portion of Form U–4 to Navy Federal Brokerage
Services, LLC for FINRA registration as an associated person of the firm. Contact the NFBS
Compliance Department for additional information.
3. Customers must be advised that investments sold by a Navy Federal Brokerage Services, LLC

Supplemental Credit Union Office Procedures
SECTION 7. SUPPLEMENTAL CREDIT UNION OFFICE PROCEDURES
Financial Advisors within the credit union environment have a unique situation. This section details
items Advisors need to know, understand and utilize when in the credit union environment. Several
important guidelines must be followed:
1. All broker/dealer activities must be handled by registered personal only. Non–registered
personnel may assist in clearly defined administrative duties, and no others.
2. All securities–related incoming mail must be handled by a person who has been fingerprinted and
is an associated person with FINRA through Navy Federal Brokerage Services, LLC. S/he must be
fingerprinted, complete a portion of Form U–4 for registration as an associated person with ... Show
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4. All sales and/or promotional material must clearly indicate Navy Federal Brokerage Services,
LLC is an independent subsidiary, and not a division within any credit union.
The Financial Advisor must know the credit union, its members and its programs, and at the same
time keep Navy Federal Brokerage Services, LLC, products and programs separate from the credit
union products and programs. The procedures in this Section are designed to assist the advisor and
credit union in avoiding potential conflict.
Section 7.1 Introduction
This part of the Compliance Manual is intended to provide Financial Advisors and employees of
credit unions (who are not advisors) with instructions and guidance regarding their conduct with
respect to marketing Navy Federal Brokerage Services, LLC financial services program. Careful
adherence to these guidelines and instructions ensures that the credit union and Navy Federal
Brokerage Services, LLC and their employees meet applicable legal and regulatory requirements. It
also ensures that program customers fully understand the separation between the credit union and
Navy Federal Brokerage Services, LLC.
Each non–associated or non–registered person working with or assisting a Financial Advisor should
also read this section. It is the

Industry History : A Company
A. Company Summary Suggested length of 4–6 pages B1. Industry History: Describe the history of
the industry in which the company will operate. At the very hour, when early people learned to
exchange commodities, the concept of finance was born. Once the concept of money came in
existence, the gradual developments started and the first banks were established in Europe in the
fourteenth century. This was made possible by the developments of the legal and accounting
systems which enabled money–tracking. The 17th century marked another change when the first
stock markets started rolling. It also provided the business sector and the governments an
opportunity to collect funds by selling equity and the money–borrowing concept was altered
("History of Banking and Finance," n.d.). Financial planning services by the md–20th century
primarily meant one thing: sales. Apart from a few dozen investment "counselors" whose activities
were regulated by the Investment Advisor Act of 1940, those who offered advice were
indistinguishable from those who peddled their employer's products. A financial planner then was
"an insurance man...who estimated estate tax payments for wealthy customers and sold insurance to
fund those payments". Thirteen men who gathered in Chicago in 1969 were determined to create a
new profession; one that could stand on equal footing with the accounting and legal professions and
help ordinary Americas manage their financial lives. From the two–day meeting would emerge a

Hospital Financial Accounting
Financial Accounting from a Cardiac Hospital
If I were in a management position and had to create a working strategy in order for my company to
gain strength, I would create a plan involving three phases: capital shortage, evaluation of the
funding options for medical equipment, and the evaluation for capitol expansion. I would then run
the necessary financial reports, analyze all the collected data, and then decide the best strategy for
our improvement. Financial gain is important to the company, however budgeting is a must. Capital
shortage, also known as cost cutting, is the first phase of rebuilding when it comes to a facility on
the brink of foreclosure. I was asked to choose two areas that in my opinion, would offer the best ...
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Not to mention that using an operating lease will also keep the cost off the balance sheet. However,
after submitting all the choices into the simulator, it was discovered that the recommended choices
would have been a refurbished option for the CT, a capital lease for the x–ray machine, and an
operation lease for the ultrasound machine. Funding options for capital expansion would be the final
step to making sure that the hospital and its entire staff would be able to keep their jobs, patients
would be able to receive the proper care and that in fact the hospital would be able to stay afloat.
There were three choices to choose from when it came to the funding from outside sources. Private
Banks, tax exemption loans, or a 25 year maturity loan called the HUD where on the table. After
consideration of all information that was available about the loans, the years of maturity, the
percentage rates, the payments, and all the requirements involved, I felt it would be in the best
interest to stay with the HUD. Not only was this a lower interest rate loan, there was no period
required for using the funds on areas where I, as the financial manager, saw fit for it to go. There
was also the convince that it could be paid off in as little as eight years allowing for the hospital to
draw in more revenue and build a more financially strong base in which to continue to provide care
for patients. For my hospital to properly function and for me to be an

David Robert Gilmour Ross Financial Advisor For Over 20 Years
David Robert Gilmour Ross had been a financial advisor for over 20 years. He conducted a financial
investment service through a number of entities. Investors of the various entities under the business
made requests to release their securities to be paid out, which was only realised for some investors.
Consequently, the other investors filed complaints with the FMA about the default in payment.
Pursuant to complaints from the investors, the FMA moved to file an application under sections
137F and 137G of the Financial Advisers Act 2008. On 2 November 2012, the FMA applied to the
High Court in Wellington seeking permission to appoint receivers to manage the business of David
Ross and his associated companies. The High Court issued an interim order to freeze the assets of
David Ross and the various companies under him as a result of the application. As a result of the
'serious concern about dysfunction and adequacy of the management of the business' , the FMA
decided to conduct an investigation of Ross's business and companies. Main concerns put forward
included a failure to make decisions, a failure to implement requests from investors for payment and
inadequacies of records. At the time of filing the application, preliminary data determined that
Ross's business involved approximately 900 investors and with an aggregate account balance
crossing $430 million. The business was 2 years in arrear with regard to lodging its tax returns and
preliminary investigation showed

Saving First And Paying Cash
Keep in mind that baby boomers were the first generation to grow up on television and credit cards
(O 'Neill, 1991). Lusardi (2009) noted that most individuals deal frequently with credit cards and
other forms of borrowing yet only a minority of individuals possess basic financial knowledge about
debt. The previous generation used credit as the ultimate last resort while baby boomers were
conditioned to be much more comfortable with credit. For many baby boomers, their idea of saving
is buying more to receive a discount on the purchase. The concept of saving first and paying cash
has been replaced with the concept of you can have anything your heart desires today as long as it is
within your credit limit. More financial education in this area may be a way to prevent a future
financial crisis. For immediate results, this education can be provided by financial advisors. As
financial planners work with their clients to examine their income, expenses, assets and liabilities,
the numerical ability of consumers can be enhanced, thus potentially reducing the number of future
foreclosures on homes. The need for Financial Advisors The previous retirement plan that counted
on employer contributions to a defined benefit plan and a secure social security benefit from the
government is fading away. The foundation of a secure retirement plan will be determined by future
retirees taking on much more responsibility. Retirement planning is an on–going process with
consumer needs constantly

Objectives Of An Effective Team
EXECTUTIVE SUMMARY
Vision. It is our vision to be a firm leader in providing our clients with exceptional wealth
management services. We see ourselves operating as an effective team to deliver excellence in every
aspect of servicing clients, managing assets, and building our practice. We want to be recognized by
our clients to be the very best in the advice, service and products we offer.
Market. Our clients include private clients, endowments/foundations, and small–mid size
businesses. This diversification of clientele allows us to create crossover business opportunities and
generate a consistent revenue stream.
Services. We will continuously work to improve efficiencies in the administration and operations of
the business. This involves utilizing Contact Management and Business Automation concepts to
maximize efficient communication within the team and with our clients. This also involves clear
delegation of responsibilities and tasks through established policies and procedures.
Competitive Edge. IFG's competitive advantage is their comprehensive approach to research and
services provided. We have formed great strategic partnerships to assist in our technology and
research. Our "best of breed" platform has complete transparency and the leadership to maintain and
lead this company in the ever–changing wealth management industry.
Company Summary. Integris Financial Group is a comprehensive wealth management firm for
individuals and families with $250,000 plus in

Mission Of The Company 4
A. Executive Summary 4 A1. Company Identification 4 A2. Mission of the Company 4 A3.
Business Goals 4 A4. Keys to Success 4 B. Company Summary 5 B1. Industry History 5 B2. Legal
Form of Ownership 5 B3. Location and Facilities 5 B4. Management Structure 5 B5. Products and
Services 5 C. Market Analysis 6 C1. Target Market 6 C2. Industry Analysis 6 C3. SWOT Analysis 7
D. Market Strategy 8 D1. 4Ps 8 D2. Price List 8 D3. Promotional Strategy 8 D4. Sales Forecast 8 E.
Implementation Strategy 9 E1. Overall Strategy 9 E2. Monitoring Plan 9 F. Financial Statements
and Projections 10 F1. Forecasted Profit and Loss Statement 10 F2. Forecasted Balance Sheet 10 G.
Financial Report 11 G1. Financial Projections 11 G2. Financial Position 11 G3. Estimated
Capital/Investment Needs 11 A. Company Summary Suggested length of 4–6 pages B1. Industry
History: Describe the history of the industry in which the company will operate. At the very hour,
when early people learned to exchange commodities, the concept of finance was born. Once the
concept of money came in existence, the gradual developments started and the first banks were
established in Europe in the fourteenth century. This was made possible by the developments of the
legal and accounting systems which enabled money–tracking. The 17th century marked another
change when the first stock markets started rolling. It also provided the business sector and the
governments an opportunity to collect funds by selling equity and the

Building Up Their Savings Over The Years
A good strategy that many use to build up their savings over the years, is to spend less than you earn
and put aside the money that is not used. This applies to expenses such as food, housing, vehicles, as
well as other expenses on one's budget. Rob Russell, a writer for Forbes Magazine, writes in his
article with the topic of investing mistakes, "During your peak earning years you should live below
your means so you can set aside enough income each and every year that if your career comes to a
screeching halt that you'll be able to survive" (Russell 4). Establishing a savings account or
retirement fund where money can be deposited each month or so, will help to build up enough
money to support the athlete after retirement. One will never ... Show more content on
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With higher pays, comes more things to be taxed on. It is crucial for athletes to investigate all
options that will help them to save money. Their salaries are high, but with many people after their
money, such as family, friends, and investors, it is important to know the facts and exercise safe
money saving strategies. "There are a host of strategies for reducing your tax bill from tax free muni
binds, to tax deferred retirement accounts, and even investments that offer tax shelters to reduce the
amount of your income that is actually being taxed" (Russell 5). Taxes affect everyone in different
ways and with changes occurring with the United States leader and new laws being considered, it is
important to know what these taxes mean and as many ways to reduce them. With taxes comes the
tax return. "The problem is that most financial advisors fail to take your tax return into account
when offering investing advise, so whether you've signed a multi–million dollar recording contract
or you're the 'millionaire next door,' it's critical to have an investment advisor that is also tax savvy"
(Russell5). With financial advice from a bank or advisor, one will find that there are ways to keep
from having many taxes deducted from their salaries, which in turn will help the athlete's money to
grow even more. While doing research, it was discovered that along with regular financial aid for

Conviction-Trusted Advisors
In the modern age of financial practice, securities salespeople no longer call themselves brokers or
registered representatives. They now go by names like financial consultant or investment specialist.
Many advisors continue to charge commissions and work in a mainly transaction–based model, but
many have also converted to a fee–based practice, charging management fees to oversee client
assets. Most financial advisors work for one of the major brokerage firms, banks, or insurance
companies. There is also a relatively small but growing contingent of independent advisors who are
not affiliated with any outside financial entity. Most of these advisors are either solo practitioners or
small partnerships of advisors working together. There are, of course, many medium– to large–sized
independent money ... Show more content on Helpwriting.net ...
Trusted advisors understand that the most prudent course of action is not always the easiest one to
take. This is especially true with money and markets, where emotions can run high, often causing
poor decisions to be made. It is important to take the time to explain the pros and cons of various
strategies, and help a client understand which approach would be best for them. In contrast, a
facilitator may allow or even encourage a client to make decisions that might feel good in the short
run but are counterproductive long–term. They might do this out of fear of losing business or a
preference for expediency. Facilitators generally do not bring discipline and rationality to the
investment process, which is a big part of the value of having an advisor. This is unfortunate
because in emotional times clients can benefit from hearing a rational and independent voice of

Financial Planner
Scott Poppen Poppen 1
Expository English
Mrs. levenberg
May, 4th, 2014 Career Project
Section 1: Job Description/Duties
The role of a financial planner is to help groups or individuals with the use of their investments,
income, taxes, or savings. This includes helping people with their immediate or long term financial
goals such as a small investment or retirement. This job comes with immense responsibility because
a financial planner is entrusted with another person's money, and just one wrong investment could
lead to the loss of a client. ... Show more content on Helpwriting.net ...
Working in an office setting is not very appealing to me, which is okay because financial planners
have the option to work independently at home. However, this requires a great deal of time and
effort because this would mean having to start marketing your services and would have to build a
strong customer base.
Section 5: Wages and benefits The average salary for a financial planner is 50,000 a year which is
great because it will allow me to live the life I want to live. The amount of money a person in this
career can make is zero to over a seven figures. This depends on the level of experience you have
and if you are willing to go above and beyond what the bare minimum. If you work for a firm in this
profession they will provide insurance, sick leave, and a paid vacation depending on the firm, but an
independent financial advisor is not provided with these luxuries services.
Section 6: Employment outlook The employment outlook for a financial planner is supposed to have
a thirty two percent increase in the role over the next ten years. The good thing about this is that
when I get out of college I will be able to find a job for this career fairly easy,

Choosing The Right Accountant For Your Financial Goals
Choosing the Right Accountant for Your Financial Goals Choosing the right accountant can
seriously impact your taxes, ability to build wealth and lifestyle. Creative accounting can offer you
and your family a better life, provide for retirement and shelter income so that you can earn more
money with pretax income. Choosing an accountant is critical for getting the maximum return from
your business and investments. Choosing an accountant often results in getting an expert in one area
of investments or business management while sacrificing the advice of an independent advisor who
consults with you closely, takes your goals into account and helps you to choose between business
and tax strategies. Market experts often don 't care about your financial profile, lifestyle issues,
changes in the tax code or your goals to buy a second home, send the kids to college and provide the
family long–term financial security. A Certified Tax Coach, however, facilitates meeting your goals,
reducing your tax burden and providing for your retirement and other long–term financial
objectives. Taxes are one of the biggest expenses that investors and small business owners face, so
choosing a professional tax advisor can provide enormous benefits for most investors and business
owners. Why Trust an Accountant with Sensitive Financial Information? The reason that successful
people don 't manage their own taxes, keep the books or manage their money without advice is that
most people don 't have the

Ibiting Approach : The Five Elements Of Developmental...
Developmental advising is a conceptual component of advising. It teaches students to learn about
the college processes, without putting too much emphasis in on the "hand–holding "approach. The
Developmental advising approach emphasizes the need to have open communication between the
advisor and the student. The close student–advisor relationship aids with achieving educational,
personal, and career goals (Winston At al., 1982).
Terry O'Banion identified the academic advising paradigm. O'Banion's model identifies five
elements of the advising process that outlines the interaction between an advisor and an advisee.
These advising sessions were notably recognized to be the developmental approach to advising
students.
The five elements include Exploration of life goals, vocational goals, program choice, course
choice, and scheduling options. (Burton & Wellington, 1998).
This technique allows the student to answer open–ended questions that critically assess the
dynamics of their program, success plan, and life and career goals. This advising session typically
takes place before the student enrolls in courses, and throughout the duration of attending their
college or university. (i.e. Admissions Counselors, Faculty Advisors, Professional Advisors).
This approach allows students to have an independent role in making decisions when it comes to
planning for their college and career goals, (Brown, 1984) with the added assistance of a trusted
advisor.
Theorist, Don and

Career And Company Analysis : Wells Fargo
Career and Company Analysis We all have some skills and we are all good in different areas. For
me I have always been good in math and that is what led me to choose a career in accounting. At the
moment I currently work as an accounting intern and I am gaining experience in being in an office. I
think it would be beneficial to further my work experience and I think a bank would be a good
choice so I can learn even more skills to become a good accountant. This is why I choose Wells
Fargo as my company choice. Wells Fargo is an international banking and financial services holding
company. Wells Fargo by market capitalization is the largest bank in the United States and by assets
the third largest. The founders of Wells Fargo are Henry Wells and William Fargo. The current CEO
is John G. Stumpf. Wells Fargo was founded March 18, 1852. Wells Fargo had a goal to provide
financial services by the fastest means possible. This included by sailing a ship or steamer for
overseas. They also used a stagecoach, Pony Express, or railroad for overland financial services.
That is why they decided to put a stagecoach as the logo because at the time it was the fastest means
of service at the time. Wells Fargo holds at the top of their organizational structure the executive
officers, nine to be exact. Some of these include CEO John G. Stumpf, Timothy J. Sloan President
and Chief Operating Officer, and John R. Shrewsberry Senior EVP and Chief Financial officer. Then
there is also the board

My Personal Experience In My Life
My Junior year of high school I found my self sitting in a freezing classroom of my Money
Management Skills class. I was struggling to keep myself awake as my teacher and DECA advisor,
Mr. Kaluza, rambled on through ways to plan for retirement, and best ways to invest your money in
the changing market. Then he introduced our guest speaker for the day, Kyle Hoggarth, a local
financial advisor at Edward Jones. Kyle introduced himself and went right into carrying on what Mr.
Kaluza had begun, nearly putting the entire class into a glorious slumber. Moments before I was
about to fall in line with my classmates. He gave some advice that I have found to be profoundly
true so far in my life, looking over the class he said. "The dollars you invest when you are young are
the most valuable dollars you will ever invest, because the one thing everyone runs out of is time, so
to get ahead of the game, you need to take advantage of the time you have when you are young"
After hearing Kyle explain why he said this I began to think of how this may pertain to other things
in life and how it is not only the financial opportunities that are important when I am young, but also
many other experiences that I may only be able to encounter once in my life. My youth and the way
I spend it is very important to me, and will be important to the development of myself as a person.
This is why everyone should take advantage of the opportunities given to them in their youth that
they cannot take

Analysis Of The Sarnia Financial Market Best Financial
Critical Issues
In order to (definition of success) Company X must address the following:
In order to place Best Financial in a more favorable position in the Sarnia financial market Best
Financial must address the following:
How to (Solve problem/take advantage of opportunity) so that (consequence)
– How to maintain higher client retention in order to secure a more committed clientele that do not
seek a competitor's service in the future.
– How to persuade potential client's that Best Financial Services meets their needs or else there will
likely not be many new clients.
– How to gain sufficient customer base to generate desired sales growth.
Analysis
● How did we get here? Why are things the way they are?
Gerald Young, one of Best Financial Services' top clients, switched his assets to Scotiabank for their
potentially high returns and additional services.
● Provide conclusions of analysis with details in the exhibits (e.g SWOT, Porters, Segmentation,
Financial analysis)
Best Financial Services offers appropriate services to the Sarnia area. With the loss of a large client,
there is space for staff to pick up additional clients.
However, if Gerald Young represents any of the other clients, competitors like Scotiabank may
appeal to them because of the additional services offered. Scotiabank also claims they can yield
better returns. Exhibit 1: SWOT Analysis shows a SWOT analysis for Best Financial.
● Why are the issues critical?
This highlights a deeper issue, the fact

Excel As A Financial Assistant
In such a technologically dependent world today, there is almost no career where someone can have
major success without understanding at least the basic usage of technology in their industry. Anyone
who has a desire to enter the business industry must understand information system utilization
within their sector, because no matter the business sector information systems will be prevalent and
relevant. Of course those who specialize in computer information system require a better
understanding, but for any business to have optimal success, every level must have at least a
competent understanding of every sector and their information system. After graduation I plan on
becoming a personal financial advisor; my understanding of the information ... Show more content
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For that reason, all business majors are required to take a basic computer information system course,
and the goal of that course is to provide the tools for understanding the most basic information
system and an understanding of excel spreadsheets. Though everyone does not purse the same
business major, all of us who go onto to work in the business industry deal with information
systems; information systems are the bridges connecting departments and provide smoother
interactions within departments than in the pass. As a future financial advisor, information systems
have a vital role in aiding me with keeping track of clients' transactions and minimizing errors when
dealing with their money. If I never took a computer information class, then I would undermine the
importance of information in business and how they lead to easier interactions between

Biomedical Engineering Vs Personal Financial Advisor...
Have you ever thought of getting a job that pays you the most? Personal Financial Advisor and
biomedical engineering are two different major fields that differ in many aspects, but pays very
good. People usually tend to go for the field that they are mostly interested in ,and some people go
for the one that pays better. Personal advisors requires more work to be done mentally than
physically they " provide advice on investments, insurance, mortgages, college savings, estate
planning, taxes, and retirement to help individuals manage their finances"(Occupational Outlook
Handbook). Unlike, biomedical engineering, it requires a lot of physical work to an addition of
mental work and they "work in manufacturing, universities, hospitals, research ... Show more
content on Helpwriting.net ...
Personal financial advisor and biomedical engineering are absolutely close on the salary. For
biomedical engineering "the median annual wage for biomedical engineers was $86,220 in May
2015", however, the salaries can be different from people to another because it depends on the hours
that are added to meet the project's deadline (Occupational Outlook Handbook). In the other hand,
"the median annual wage for personal financial advisors was $89,160 in May 2015"(Occupational
Outlook Handbook). Not to mention there are bounces that could be added which is not included in
the annual wage. In conclusion, Personal Financial advisor and biomedical engineering are two
different jobs that differ in many aspects. However, both of them can help you make a good money.
In order to chose which one suits you better, think about the things that attracts you more to one
from another. For example, ask yourself a question, what is are you the type of person that would
like to travel? Are you the type of person who likes science? These questions have simple answers
that can be generated from you, look around for the environment if you like to be in labs and offices
then biomedical engineering is what fits you best, if not financial advisor is the second

How The Dol 's Fiduciary Rule Will Impact 401
How the DOL 's Fiduciary Rule Will Impact 401(k) Plan Sponsors The 401(k) plan is usually at the
back of a plan sponsor's mind. It doesn't renew annually, and it never fights for attention like health
insurance and business insurance renewals do. However, it's time to bring that afterthought to the
forefront. With the Department of Labor's (DOL) Fiduciary Rule, a litany of class action lawsuits
and the fact that 65 percent of DOL audits in 2014 resulted in plan sponsor fines; there is a certain
level of responsibility expected of plan sponsors. The DOL Fiduciary Rule is the byproduct of many
of these class action suits, years of haggling with Wall Street to close loopholes that have existed
since 1940, and the Obama administration's desire to bring objective advice to plan sponsors and
participants alike. Over the next year, before the regulation comes into effect in April 2017, plan
sponsors have important decisions to make, and it's vital to understand what options there are
moving forward. How Will It Affect Plan Sponsors? It's essential for plan sponsors to understand
how this new standard will impact their business practices as well. According to a U.S. Chamber of
Commerce issue brief, the rule "affects how investment advice is provided to every 401(k) plan,
every IRA, and every rollover or distribution to or from either." The impact of this reform is
sweeping, and given the forecasted movement of 401(k) and IRA money over the next 20 years, as
baby boomers retire, much

Research Assignment: Informational Interview Adam Kohlmeier
For this informational interview assignment, I interviewed Adam Kohlmeier who is the self–
employed investor who currently working on entering the real estate business. When I started
looking in to who I should interview for this assignment I decided to ask some friends and people
around me if they knew anybody who was a businessman with a financial aspect and I got back a lot
of names and one of the names that showed up a couple times was Mr. Kohlmeier. The people that
mentioned him all have gone to him for financial advice or just to talk about the stock market.
Reaching out to Mr. Kohlmeier not sure what to expect but he graciously excepted the interview and
along the way he gave me some great information about business, investing and what are some of
the things it takes to be successful when you work for yourself.
Mr. Kohlmeier is what I would call a good representation of what the American dream is all ... Show
more content on Helpwriting.net ...
This interview taught me that a career as an investor can be extremely difficult which is why I am
still thinking about becoming a financial advisor who invests rather then just a pure investor. I have
learned that it will take a great deal of work to become successful but as long as you stay focused,
dedicated, and learn from any failures you can achieve what ever you want. This interview only
strengthened my desire to become a financial advisor.
This interview helped me figure out what my next steps in life will be, the first step for me is to
graduate from UNL. The next step is for me to find a financial advising job at a firm. After
everything I have learned through this process I am thankful for Mr. Kohlmeier taking the time to be
interviewed and teaching me the numerous things that he did. This assignment turned out to be
much more beneficial then I could have ever imagined I went from somewhat being on the fence to
knowing that this is a career that I want to continue to

Case Study Of An Independent Broker-Dealers
White Paper
Staright through processing
November 2015
Table of Contents
Abstract 1
1. Overview 1
2. Introduction 3
2.1 Real–World Scenario – Order Entry application Implemented 3
2.1.1 Strategy: 3
2.1.4. Result: 6
3. Conclusion: 6
5. How will your use case bring value to IGATE business/vertical: 6
6. References 7
7. About the Authors 7
Abstract
Independent broker–dealers and financial advisors face a number of daunting challenges in todays
Business environment. These challenges have the potential to severely impact this important
financial services channel by substantially increasing the cost of doing business. It is essential that
IBDs and their affiliated financial advisors develop effective means for overcoming these obstacles
so that they may continue to effectively ... Show more content on Helpwriting.net ...
Overview
What is an Independent Broker– Dealer?
Broker–dealers are specialized financial services companies that trade securities for their own
account or on behalf of their customers. Broker–dealers are regulated under the Securities Exchange
Act by the Securities Exchange Commission (SEC), a unit of the US government. Some regulatory
authority is further delegated to the Financial Industry Regulatory Authority (FINRA), a self–
regulatory organization. Many states also regulate broker–dealers under separate state securities
laws known as "blue sky" laws.
The IBD business model focuses on comprehensive financial planning services and unbiased
investment advice. IBD firms also share a number of other similar business characteristics. They
generally clear their securities business on a fully disclosed basis; primarily engage in the sale of

packaged products, such as mutual funds and variable insurance products; take a comprehensive
approach to their clients' financial goals and objectives; and provide investment advisory services
through either affiliated registered investment adviser firms or such firms owned by their financial
advisor.
Essential Characteristics of IBD

Edward Jones in 2006
Executive Summary
This memorandum addresses some of the key issues with Edward Jones, which includes the lack of
an online presence, possible cannibalization from larger firms, and the inability to manage funds
from institutional investors. I conclude that the most effective of all of the theorized strategies
would be a combination of Edward Jones' original business model with an online platform. This
plan would allow Edward Jones to stay true to its fundamentals, as well as attract new clientele and
provide better service to its existing clients.
Introduction
Edward Jones has become the fourth largest brokerage firm in the United States. By holding on to a
fundamental business strategy based on the core concepts of close client ... Show more content on
Helpwriting.net ...
Edward Jones' average assets per account were $45,556 while Merrill Lynch & Morgan Stanley
was $163,667 and $137,111 respectively. Edward Jones leaves revenue on the table by not
managing higher net worth institutional accounts.
Available Strategic Options
Edward Jones' strategic direction in 2006 had to respond to competitors like Merrill Lynch if the
partnership wanted to maintain its exceptional performance and growth. The first option focuses on
staying true to Edward Jones' small–town roots and demonstrating the value of strong personal
relationships with one's financial advisor in planning for the distribution phase of life (Faux, 2014).
FAs can take advantage of face–to–face interactions and close relationships to communicate to
clients the importance of planning for the distribution phase as soon as possible and hopefully
encourage client referrals. Also, a professional advisor who personally knows the clients and their
needs provides critical support to keeping long–term retirement plans on track while still focusing
on time–sensitive decisions. This defensive move could stunt the firm's growth, and if it fails, could
leave Edward Jones even more vulnerable to cannibalization.
The second option shifts the company's original policies of strictly face–to–face interaction to a
hybrid model, which includes online account and portfolio tracking and current news and research.
This option adds value for existing customers because they can view

CBA Scandal and FOFA Reforms
Question 1
Summary of the CBA Scandal
In October 2008 ASIC was notified that CBA (Commonwealth Bank of Australia) had attempted to
conceal the unlawful actions of one of their most senior financial planners, who had control of an
estimated $300 million in investments. (Adele Ferguson, CBA Cover Up Misconduct by Rogue
Financial Planner, 2013)
Through "extensive surveillance" on the conduct of CBA's financial planning activities between
2007 and 2008, ASIC uncovered evidence which supported claims that the standards of CBA's
operations were "unacceptable". (Williams, 2013) The planner, Don Nguyen, was believed to have
created unauthorised investment accounts, forged signatures and overcharged fees. As a
consequence, Mr Nguyen was ... Show more content on Helpwriting.net ...
Notably, PS 7.5 places great significance on the on financial planner's duty of loyalty towards their
client and the "not to profit without informed consent rule". (Australia, 2013) (Government, 2011)
Mr Nguyen and Mr Gillespie consistently generated excess individual profits through the intentional
disregard of their client's involvement. PS 7.6 deals with the suitability of services rendered towards
the client's specific wants and needs. The high degree of commonalty exhibited in the risk profiling
of their clients expresses the lack of professionalism shown by Mr Nguyen and Mr Gillespie, as well
as an evident conflict of interest. The actions of Mr Nguyen and Mr Gillespie are also in direct
violation of the rules relating to PS 7. Both parties actively engaged in fraudulent behaviour,
consistently deceiving and misleading their clients, in order to gain financially (Adele Ferguson,
2013).
B) Analyse the conflicts of interest that have been illustrated by the CBA financial planning scandal
and the obligations of financial planners and CBA management in relation to conflicts of interest
The most evident conflict of interest evident by the CBA financial planning scandal is in relation to
the member's remuneration for professional services rendered. The very engagement between the
client and professional equates to a conflict of interest with the client attempting to utilise the
professional's services

Strengths And Weaknesses Of My Personality
Section A Strengths: Like any individual I have a wealth of weaknesses and strengths. This is the
unique mixture that makes up my personality compared to anyone else. However, in the context of
my strengths I have few that come to mind. First, personally I am a communicator. I enjoy
conversing with people of all perspectives. I find it fascinating to learn/ hear their stories or
experiences and use those as lessons or just knowledge that sits in the back of my mind. Thus, I
guess someone could make the argument that I have a good memory. However, professional level
for this same quality I feel it is effective to communicate the roles and the initiatives of the project
or any task at hand to get the best possible result. By communicating I ... Show more content on
Helpwriting.net ...
Specifically, due to my family doing business with several individuals I built relations that have
become referrals for jobs. As of today I have six job offers awaiting me when I graduate due to the
awesome opportunities. Conditions that might prevent you from getting the position you want: In
retrospect, I have been turn down from jobs, because my family has too many business connections
that intertwine with other clients of the business. This is a major downfall because I recognize
having another person in competition (in the agriculture field) knowing another agriculture occupant
can become difficult to build a trusting and lasting business relationship. This is just one example of
a hindrance to my professional success. Career Goals: I have a somewhat specific career goal, but it
won't be easy to do. I will graduate this summer with my undergrad, and has plans to work for one
of the companies that have offered positioned for me. This will be in the financial sector and I will
work a total of a year and return to school for law. This is not an easy endeavor, but I have an
interest and desire to excel in this field of business. My grandmother was a lawyer for many years
and has inspired me to pursue this cause. After completing school, I will focus my efforts on
business/ corporate law, and after competing in this field I will try and get a position with a
consulting firm that will work to advise businesses and governments on legal

The Family Dynamics And Management Of Industrias La Vega
There have been issues regarding the family dynamics and management of Industrias La Vega that
have been brought to my attention. Some of the issues that were brought to my attention have been
addressed, which is commendable, but will still be discussed. However, the recommendations are
still being made in order to continually improve the family dynamics within the business. The
recommendations that are being made should only be implemented if it is the best course of action
for your family with regards to the business.
The first issue that occurs within the family dynamics regarding the business is lack of transparency.
Lack of transparency occurs when family members do not share knowledge about the business with
each other. This ... Show more content on Helpwriting.net ...
Then, as a long–term solution, the rights of shareholders and responsibilities of the manager to
shareholders should be put in writing in the form of policies and procedures. It might also be in the
best interest of the business to create policies regarding dividend payments and liquidity because
this appeared to be an issue also.
The second issue that is occurring within the family is a combination of an established entitlement
culture and the erosion of the entrepreneurial culture. These issues arise when family members have
an unsustainable culture of consumption and are using the business as an ATM. This is entitlement
culture was established when Francisco Sr. would grant every request for money, new houses, and
trips. The entitlement culture continued when Francisco Jr. became CEO and began using company
funds to purchase a luxury car, helicopter and a boat that were "essential" to his executive post. The
recommendation for immediate action is to stop the granting of requests for family members, if it
has not already. Also it is recommended that Francisco Jr. be directed to stop purchasing luxuries
with company funds for his personal use. Long–term recommendations to solve these issues include
writing a family constitution that includes a guide to the family's relationship to wealth and the
business. Another recommendation would be to create policies that describe a process for purchases
using company funds, and what entities the funds can be used to purchase.

Innovative Capabilites
Innovative Capabilities
Jillian Newes
OI/370
8/10/2015
Anthony Barnes
Innovative Capabilities
Ameriprise Financial works one on one with millions of clients to help them put more dreams
within reach. The company has withstood recessions, depressions, downturns and panics and has
only grown stronger in over 115 years in service. They are the leaders in innovation and adapting to
change and it shows in their ability to stay at the top of their competitors. There are still areas for
innovation and Ameriprise is a company that adapts and changes on a daily basis whether it is
through updating software, advising clients on stock market changes, or adapting to always
changing federal laws in the financial world. ... Show more content on Helpwriting.net ...
The team is engaged and motivated. The right people, strategy and tools are in place. They remain
focused on driving value to advisors and intermediary clients and earning a greater share of flows in
equity, fixed income, and multi–asset products. The retail business is complemented by a strong and
growing traditional third–party institutional business. Ameriprise is managed globally through sales,
consultant relations, and client service" (Ameriprise Financial, 2012).
Obstacles
As with all companies, there will always be opportunities to grow. Generally speaking, Ameriprise
has three areas: traditional products, global products, and multi–asset strategies and solutions. But
the biggest obstacle is speaking to women about these areas because many women lack the
knowledge of financial planning. This lack of financial planning is especially concerning because
many women face unique challenges in preparing for retirement like lower earning power and more
time spent out of the workforce to be a caregiver. "Women also neglect to express more concern
than men about the obstacles they may face in retirement. For example, one of the most prominent
of these hurdles for women is longevity – on average, women outlive men. The average life
expectancy for American women is about 80 years (compared to 75 years for men), yet 24% of
women underestimate the years they'll need to tap into their

Analysis Of Wells Fargo & Company
Introduction
Knowledge is considered as one of the most important and competitive resource for sustenance of
the organisation (Zack, 1999). It can be compared to the strategic resource that can be used and
applied in various frames of the organisation. Experienced managers in the organisations believe
that company can receive strategic advantage through knowledge and not the strategies or actions
implemented by competitors. Knowledge can be regarded as a strong approach that opens numerous
ways of success. It is that weapon that help organisation to evaluate solutions in financial and other
professional difficulties.
It can also be seen that organisations are investing heavily on knowledge development. Imparting
Training and development, skill development and technical education have become priority for the
organisations especially for newly recruited individuals (Zack, 1999). It is also observed that
organisations are receiving appreciable returns through implementation of knowledge strategies.
Thus, Wells Fargos is analysed on the basis of knowledge based strategy implemented in the
organisation and benefits received from the strategy.
Wells Fargos': Knowledge as Competitive Advantage
Wells Fargo & Company is an American multinational operating in banking and financial services,
headquartered in San Francisco. Known as fourth largest bank in United States of America, Wells
Fargo has created benchmark in bank deposits, home mortgage servicing and debit cards. The
company

Reflection Paper
While I was duel enrolled in my local community college and in high school, I was wrapped up in
the day to day aspects of my life because I had a lot of little things going on and hobbies that I
enjoyed. My future career and being in a university seemed so distant so I didn't think about it
much. It didn't occur to me until my first week in college that I really needed a plan and that my life
is moving incredibly fast. It wasn't until then, that I really started to think about what I wanted to do
with my life after I got out of college. I now find myself thinking about it every day, calling friends
and family and researching different career paths for different majors. Due to the fact that I am a
transfer student, when I applied to UNCW, I was prompted to decide on a major and I chose
international business with little knowledge or understanding on what that actually meant. I just
knew that I wanted to travel and I wanted a degree that was going to be valuable after the huge
college investment. I had always had passions for other things though such as hot rodding old cars
and filmmaking but I decided that I needed to be realistic about my careers outside of college and If
I was interested in traveling, having cool cars and making a decent amount of money then I needed
to pick a major that was going to be more valuable. I understand that there is time to change my
major but I don't want to be someone who changes their major frequently. I need to chose something
carefully,

Advantages And Disadvantages Of Crucial Mistakes To Avoid...
Crucial Mistakes to Avoid While Choosing a Financial Adviser:–
Trying to manage your money without the help of a professional financial adviser is like walking on
a path without knowing where you are heading. Although it is possible for you to find the desired
destination but, it would be better if you have someone by your side for leading you out of the mess.
But, picking a good financial adviser can actually be a critical job for you. Leaving all your
financial matters in the hands of a novice might end up in jeopardizing your whole life's savings.
Thus, choosing a Skilled Financial Adviser is the first and foremost thing you should do, if you are
planning to spend your retirement days freely.
So, have a look at these following mistakes ... Show more content on Helpwriting.net ...
Saving a few dollars might end up in loosing a thousand dollars due to the working procedure of
your adviser. There is no point in believing the fact that the cheaper options will always be better.
Be reasonable enough to understand the value of money and the proper balance between the service
you are getting and the money you are paying. If you are only planning to save some money for
your future needs in your existing mutual funds then, there is no need for you to hire some
expensive financial adviser for that. But, if you are really willing to reach a certain financial goal
then, make your decision of picking an adviser wisely.
Letting your Adviser Control Everything:
Your financial adviser might have the capability of controlling your every single step to the financial
world. But, letting him or her every decision on behalf of you can never be a good idea. As we are
talking about your money, you are the one who needs to pay more attention on taking care of your
money. Advisers are your financial partners, who can show you the right path of achieving financial
success, but depending too much on them might make you face some uncanny situation in the

Informational Interview Of An Outside Sales Person
ASSIGNMENT 1A – INFORMATIONAL INTERVIEW OF AN OUTSIDE SALES PERSON
SAMUEL ONWUEGBU
T00047610
PRESENTED TO
SHEENA VAN DYK
BBUS 3450
PROFESSIONAL SELLING
FEBRUARY, 2015
COMPANY BACKGROUND
Best West Realty Ltd is the only real estate company located on Kamloops' North Shore. Most of
the Best Real Estate Agents live close to the North Shore area of Kamloops. It started full business
in 1984. It is located in north shore shopping mall, # 51 – 700 Tranquille road, Kamloops.
This company is committed to providing the best possible real estate experience through the
exceptional and experienced service of its Real Estate Agents. Agents hired to work under this
Realty firm have combined cumulative years of experience that spans over 100 years, and such can
boast of a large array of skills ranging from negotiations to enhanced solutions for customers. This
ultimately leads to Customer satisfaction.
SALES–PERSON BACKGROUND
Pat Kavanagh is a seasoned professional and has over 29 years of experience in the Real Estate
business. He moved to Kamloops in 1972 with his wife and has changed several jobs in the period
of his stay.
He has helped most people make very important decisions in buying home for both a good deal and
derived customer satisfaction. He has worked as a financial advisor and a credit union manager in
the past, as a result, handling a lot of people with diverse needs and expectations.
PRODUCT SOLD
One of the major decisions, families both young and old,

Personal Statement On Personal Financial Advisors
As a student approaching the adult hood, it's time to look for an occupation to begin my career.
After long hours of thinking and researching different job titles, I have been focusing my attention
on personal financial advisors. The occupation caught attention for it is one of the higher paid jobs
in the business field. After going over certain aspects, skills, and qualities of my character, the job as
a financial advisor fits into my interests, values, abilities, personality, and experience. The first
question I ask myself is what do personal financial advisors actually do? According the Bureau of
Labor Statistics (2015), "personal financial advisors provide advice on investments, insurance,
mortgages, college savings, estate planning, ... Show more content on Helpwriting.net ...
"Private bankers manage a collection of investments, called a portfolio, for these clients buy using
the resources a bank, including teams of financial analysts, accountants, and other professionals"
(Bureau of Labor Statistics, 2015). I chose to research this occupation because I know it has a big
impact on the business community and those who pursue the occupation. I am currently pursuing a
degree in business at The University at Albany. I don't have much experience in the business field,
but for now it is what I would like to pursue. The occupation seems to have some perks to it,
holding a "High median salary of $89,160" (Daley, Tom, 2015). Financial advisor ranked No. 3 on
the U.S. News and World Report Best Business Jobs. According to U.S. News and World Report,
"On top of their salaries, many advisors also earn substantial bonuses at the end of the year." Going
beyond the money, which is in fact and important thing to me, I see this job as a good start to
coming out of college with a degree. "Multiple career paths are available as a financial advisor," Mr.
Daley of Investment News said. "Large firms, small or mid–size branches or as an entrepreneur
eventually opening a solo practice." An asset to me, one import to fitting my lifestyle would be that
the job is not "location specific." "Financial advisors are needed in large cities and

Alumni Member Report
Alumni member who has experienced a mental health issue:
50 seconds
(shot straight to camera)
(multiple clips so that it looks like we interviewed the member for a long time and took the best
clips)
Clip 1
The one thing I wish I had done differently when I was a collegian is that I wish I could have
opened up to my sisters sooner. Everything changed with us after we were more vulnerable. I'm glad
Kappa is launching a curriculum for collegiate members as well as resources for alumna members
because I think this will help everyone in the organization.
Clip 2
I had a really hard time during my junior year. My parents got divorced. I went through a
devastating breakup. The combination of these changes triggered a major episode of depression. ...
Show more content on Helpwriting.net ...
I'll never forget the night I noticed my sister was in serious trouble. It had been building for about a
week. She stopped going to classes. She wouldn't leave her room. She slept all day long. She kept
saying she wanted to be alone.
Clip 2
My gut told me something was really wrong. Like it was more than just her being sad. I asked her if
she needed help. She didn't respond. I asked her if she was thinking of taking her own life. She cried
and nodded her head. I was scared. I didn't want anything to happen to her. I called our adviser and
we were able to get her to the counseling center.
Clip 3
It took a while for her to start to feel better, but some other sisters and I never left her side. Now,
when we have reunions or get together years after college, we look back at that time and see how
much it changed us. None of us really knew what to do or say that first night, but eventually we
found the words and the ways to be there for each

Gene Panasenko
Protect and Grow. Conversations with Financial Consultant. In the last several years, as we have
seen some of the major financial conglomerates collapse, when Wall Street carries some negative
connotation, investors' attention turns to the companies who work primarily with Main Street,
specifically those folks who create capital and own assets. A lot of these businessess would not
strike you as super wealthy, yet it is the small businesses that proved to be the most resilient during
the hard economic times. LPL Financial came to the forefront relatively recently, in 2008–2009,
when many financial giants like Lehman Brothers and Bear Stearns went belly up, and the
companies like Merrill Lynch and Goldman Sachs went through some very ... Show more content
Example–a lot of financial consultants use only the basic Series 6 license. A lot less folks have
registrations. I received my Series 7 many years ago as one of my first licenses. Eventually, about
10 years ago I studied and passed exams for my Series 9 and 10, Options Principal and General
Securities Sales Supervisor. The knowledge acquired allowed me to have a lot better understanding
of many aspects of this business and bring more value to the clients. –OK, Let's get back to the
original question. Say, a potential client came to you not with 20k, but several million dollars. But
these kinds of clients already have their own tax and legal advisors whose opinion means a lot to the
clients. And in case their opinion differs from your advice... –I always applaud when my existing or
potential clients sit down for a meeting with their tax advisors and attorneys, the people that advise
them on the very important issues in their lives. The CPA, attorney and Financial consultant should
be the three very important professionals in the clients' lives. –Could you please talk for a minute
about the CPAs? –Certified Public Accountant is the highest level for a tax professional. There are
many bookkeepers and accountants, but only a small percentage of them are CPAs. Regular
accountants and bookkeepers, regardless of how nice and pleasant they may be, can not, for
example, represent the client with IRS, should any problem occur. Since many of the clients are
successful

Essay about Seminar One Exercises
Samantha Curtis
FIN 101
February 23, 2015
1. Research some economics concepts regarding the value of labor. How do the business cycles and
the health of the economy affect the value of your labor? In terms of supply and demand, what are
the optimal conditions in which to sell your labor? How might further education increase your
mobility in the labor market (the value of your labor)?
a. When the value of labor is down, the economy is down. When the events from the world begin to
change (recession), than the balance between supply and demand change. Sometimes demand and
supply change so much that one or the other cannot keep up with the other. Whatever happens
between supply and demand, us as buyers and sellers react, than overall this ... Show more content
It is good to see an advisor with questions about any of these because sometimes one thinks they are
on the right track, when really they are thousands of dollars off.
3. Examine your budget and distinguish between wants and needs. How do you define a financial
need? What are your fixed expenses, or costs you must pay regularly each week, month or year?
Which of your budget categories must your provide for first before satisfying others? To what extent
is each of your expenses discretionary–––under your control in terms of spending more or less for
that item or resource? Which of your expenses could you reduce if you had to or wanted to for any
reason?
a. A financial need is something that you cannot live without. For example a financial need for me is
food. I need food to survive. Another financial need for me would be paying rent. I need a stable
place to live, because being stable will ensure more in my future. I must provide to my living
category first. This includes rent, food, and utilities. Without these I wouldn't be stable enough for a
job, which with no job I will not have a budget. I try to save money, so when it comes to wants, I try
my hardest not to purchase them. If I could reduce one of my expenses it would be probable be the
amount I pay on my utilities. I could try to reduce them in the household, which will reduce the
price that I owe.
4. Using the format of a cash flow statement (you can search for examples of the

Financial Advisor Career
Senior Paper
When I was 10, my mom and dad got divorced. For 3 years after that me and my mom had basically
nothing. No heat, no food, we were lucky to have a house. Ever since then, I knew I wanted to help
people with financial trouble, which is why I enrolled in Business Academy at New Market Skills
Center. As I have been studying there, I have picked up a myriad of skills I can use in the real world.
I help with multiple blood drives and lead tours around the campus every week. But the most
important skill I've picked up in my short time at New Market is how to control and budget your
money, which I feel is a skill everybody needs, but not everyone has this crucial skill. With that
mindset I have decided that I want to pursue a career in ... Show more content on Helpwriting.net ...
While I was observing there, I got to experience a normal day as a bank teller and got to have a one
on one conversation with Robert Hoffman, a financial advisor. The thing that stuck out the most
while talking to Mr. Hoffman was how he explained his job, "Most Americans don't understand
finances. Financial planning is much like a GPS, You need to know where you are and where want
to be, it's my job to tell you how to get there"(Hoffman). What he said stuck to me not only because
he explained his job so simply but also because he's passionate about his job and was excited that
I'm interested in doing what he does. Also while shadowing, I got the chance to interview a member
consultant, Laura Grunenfelder. When I asked about her typical day, she said "A typical day for me
is making sure my team has the tools they need to complete their job, making sure we've satisfied
our customers expectations and keeping the branch safe and secure"(Grunenfelder). When I asked
about what technology is used she said "Computers are so important to being a teller. If the system
crashes, it slows us down a lot. We also use social media to advertise our branch, we have team
members overseeing our social media accounts"(Grunenfelder). With the information I have
gathered on my job shadow I am finding myself more drawn to this career than I ever have

The Las Vegas Group : A Culture Of Positive Reinforcement...
During this time my team mates and I worked closely with national heads among the different
departments of WFA, leading to new opportunities and accolade. While such an environment
certainly created opportunities for Neuroticism, the attitude and personality traits of the team
members kept neurotic behaviors at a minimal.
"You guys are such a breath of fresh air; we are going to miss you when you are gone." S, L. (2016,
June 28). [Personal interview]. The Las Vegas group introduced a culture of positive reinforcement
and can do attitude that reflected in the successful completion of the project. Perhaps, due to a lack
of local leadership such a culture had dissipated at the New York office and needed to be
reintroduced. Artifacts, one will find when wandering around the Las Vegas office are medals for
excellent service called Best Shots, Letters of Appreciation, Banners and Awards reflecting the
accolade received by the individual employees and the team as a whole. WFA has an almost infinite
inventory of awards management can give to employees and even employees to each other for a job
well done. When wandering the New York office, such displays were missing. These artifacts reflect
the shared values of team work and excellent service, the fact that each employee is heavily
decorated reflects that these are standards not exceptions. The assumption is that that a high
standard of team work and excellent service leads to better work flows, which leads to client

What I Learned From The Video Essay
Video Summary
What I learned from the video is the following.
Have access to my money
Know where important information is kept.
Have an emergency bag with important items in.
I have not thought about having access to my own money as such of a important step after a disaster
like Katrina. When banks are everywhere I never thought having access to my money is such of
important step to getting back on my feet. Most of the times when I visit my bank all I need to have
access to my account is my social security number.
Most of my important information like birth certificate, social security, immunization records, tax
documents and health insurance is kept in a brief case under my parents bed. This includes both my
parents and siblings. I think it would be better to turn this information into digital version and save
them into a thumb drive or even upload them to a safe cloud database in order to have access to this
information anywhere there is internet access. From watching the video, having access to
information like this is important to stablish my identity in order to get help like social security
benefits and FEMA benefits when a natural disaster strikes.
Also from the video I realized that having an emergency bag ready to go incase of an emergency is
important. This bag should include a change of clothes, family members contact information a type
of identification and money in cash.
Personal Document File
The process I took when creating this folder is

Roh Financial Adviser

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