This document provides a checklist of questions for interviewing a financial planner. It includes questions about the planner's experience, qualifications, services offered, approach, fees, potential conflicts of interest, and disciplinary history. The goal is to find a competent, qualified professional who can meet your specific financial planning needs. Conducting thorough due diligence on a prospective planner is important for securing your financial future.
What is Financial Planning? Anne Street Partners are experts in Financial Planning and have all the answers! They have put together a range of Fact Sheets which are aimed at helping their customers understand a range of different financial areas. In this fact sheet they discuss what financial planning is, how it can benefit you and basic fundamentals.
Andrew has been helping high net individuals with financial planning since 1996. In his career he has been named one of the top 100 financial planners in the United States and he is a 4 Year Winner from Five Star Professionals.
Ever ask: “How does our retirement plan compare to others?” Learn what Russell Investments believes all excellent DC plans share and actions you can take to help position your plan for excellence.
Defined contribution (DC) plan sponsors face increasingly complex issues. Russell Investments has developed a priority list of eight ideas and actions to help plan sponsors guide their participants toward better decision-making as they save for retirement.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
In today's regulatory environment of increased fee transparency, it is an economic and fiduciary necessity for small business 401(k) sponsors to benchmark their current plan. NS Capital & MJM401k have developed a proprietary analytic tool to help sponsors make sense of their current plan.
What is Financial Planning? Anne Street Partners are experts in Financial Planning and have all the answers! They have put together a range of Fact Sheets which are aimed at helping their customers understand a range of different financial areas. In this fact sheet they discuss what financial planning is, how it can benefit you and basic fundamentals.
Andrew has been helping high net individuals with financial planning since 1996. In his career he has been named one of the top 100 financial planners in the United States and he is a 4 Year Winner from Five Star Professionals.
Ever ask: “How does our retirement plan compare to others?” Learn what Russell Investments believes all excellent DC plans share and actions you can take to help position your plan for excellence.
Defined contribution (DC) plan sponsors face increasingly complex issues. Russell Investments has developed a priority list of eight ideas and actions to help plan sponsors guide their participants toward better decision-making as they save for retirement.
. A true financial advisor should be a well-educated, credentialed, experienced, financial professional who works on behalf of his clients as disputed to serving the interests of a financial institution
In today's regulatory environment of increased fee transparency, it is an economic and fiduciary necessity for small business 401(k) sponsors to benchmark their current plan. NS Capital & MJM401k have developed a proprietary analytic tool to help sponsors make sense of their current plan.
An individual or an organization needs to manage its wealth well. Although, there are varied economic counsellors, for an organization, a financial analyst provides in-depth and logical inputs and reports to decision makers for a favourable economic outcome. Essentially, he researches macro and micro economic situations, with multiple economic inputs, such as company fundamentals, governmental policies, industry trends, business cycles and competitive environment to make business related industry recommendations. Usually, the financial analysts analyses multiple economic parameters and recommends a view on the likely performance of a company's stock. These stock reports could be based on technical or fundamental analysis.
Clark Schaefer Hackett created this buyer’s guide to help you and other plan fiduciaries make an informed decision when hiring a quality auditor for your employee benefit plan audit. This guide covers your fiduciary responsibilities, the timing of a plan audit, audit quality, finding the right auditor and more.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.
10 Questions to Ask when Choosing a Financial Planner
1. Questions to Ask
A
10WHEN C HOOSING
FINANCIAL PLANNER
C ERTIFIED F INANCIAL PLANNER
B OARD OF S TANDARDS, I NC.
2. You may be considering help from a
financial planner for a number of reasons,
whether it’s deciding to buy a new home,
planning for retirement or your children’s
education, or simply not having the time or
expertise to get your finances in order.
Whatever your needs, working with a finan-
cial planner can be a helpful step in securing
your financial future.
Q&
A
It’s your future. Plan it! ®
3. 10
Q U E S T IONS
The questions in this brochure will help you interview
and evaluate several financial planners to find the
one that’s right for you. You will want to select a
competent, qualified professional with whom you
1Q
feel comfortable, one whose business style suits your
financial planning needs. An interview checklist
has been included for your convenience.
WHAT EXPERIENCE DO YOU HAVE?
A Find out how long the planner has been in
practice and the number and types of compa-
nies with which she has been associated. Ask
the planner to briefly describe her work experi-
2Q
ence and how it relates to her current practice.
Choose a financial planner who has experience
counseling individuals on their financial needs.
WHAT ARE YOUR QUALIFICATIONS?
A The term “financial planner” is used by
many financial professionals. Ask the planner
what qualifies him to offer financial planning
advice and whether he is recognized as a
CERTIFIED FINANCIAL PLANNERTM professional or CFP ®
practitioner, a Certified Public Accountant/
Personal Financial Specialist (CPA/PFS), or a
Chartered Financial Consultant (ChFC). Look
for a planner who has proven experience in
financial planning topics such as insurance,
tax planning, investments, estate planning or
retirement planning. Determine what steps
the planner takes to stay current with changes
and developments in the financial planning
field. If the planner holds a financial planning
designation or certification, check on his back-
ground with CFP Board or other relevant
professional organizations.
1
4. 3Q WHAT SERVICES DO YOU OFFER?
A The services a financial planner offers
depend on a number of factors including
credentials, licenses and areas of expertise.
Generally, financial planners cannot sell
insurance or securities products such as
mutual funds or stocks without the proper
licenses, or give investment advice unless
registered with state or Federal authorities.
Some planners offer financial planning
advice on a range of topics but do not sell
4Q
financial products. Others may provide
advice only in specific areas such as estate
planning or on tax matters.
WHAT IS YOUR APPROACH TO
FINANCIAL PLANNING?
A Ask the financial planner about the type of
clients and financial situations she typically
likes to work with. Some planners prefer to
develop one plan by bringing together all
of your financial goals. Others provide advice
on specific areas, as needed. Make sure the
planner’s viewpoint on investing is not too
cautious or overly aggressive for you. Some
planners require you to have a certain net
worth before offering services. Find out if the
planner will carry out the financial recommen-
dations developed for you or refer you to
others who will do so.
2
5. 5Q WILL YOU BE THE ONLY PERSON
WORKING WITH ME?
A The financial planner may work with you
himself or have others in the office assist him.
You may want to meet everyone who will be
working with you. If the planner works with
professionals outside his own practice (such as
attorneys, insurance agents or tax specialists)
to develop or carry out financial planning
recommendations, get a list of their names
to check on their backgrounds.
WHATEVER YOUR
NEEDS, WORKING
WITH A FINANCIAL
PLANNER CAN BE
A HELPFUL STEP IN
SECURING YOUR
FINANCIAL FUTURE.
3
6. 6Q HOW WILL I PAY FOR YOUR SERVICES?
A As part of your financial planning agreement,
the financial planner should clearly tell you in
writing how she will be paid for the services
to be provided.
Planners can be paid in several ways:
A salary paid by the company for which the
planner works. The planner’s employer
receives payment from you or others, either
in fees or commissions, in order to pay the
planner’s salary.
Fees based on an hourly rate, a flat rate, or
on a percentage of your assets and/or income.
Commissions paid by a third party from the
products sold to you to carry out the financial
planning recommendations. Commissions are
usually a percentage of the amount you
invest in a product.
A combination of fees and commissions
whereby fees are charged for the amount of
work done to develop financial planning
recommendations and commissions are
received from any products sold. In addition,
some planners may offset some portion of the
fees you pay if they receive commissions for
carrying out their recommendations.
4
7. 7Q HOW MUCH DO YOU TYPICALLY CHARGE?
A While the amount you pay the planner will
depend on your particular needs, the financial
planner should be able to provide you with
an estimate of possible costs based on the
work to be performed. Such costs should
include the planner’s hourly rates or flat fees
8Q
or the percentage he would receive as com-
mission on products you may purchase as part
of the financial planning recommendations.
COULD ANYONE BESIDES ME BENEFIT
FROM YOUR RECOMMENDATIONS?
A Some business relationships or partnerships
that a planner has could affect her profes-
sional judgment while working with you,
inhibiting the planner from acting in your
best interest. Ask the planner to provide you
with a description of her conflicts of interest
in writing. For example, financial planners
who sell insurance policies, securities or
mutual funds have a business relationship
with the companies that provide these
financial products. The planner may also have
relationships or partnerships that should be
disclosed to you, such as business she receives
for referring you to an insurance agent,
accountant or attorney for implementation
of planning suggestions.
5
8. 9Q HAVE YOU EVER BEEN PUBLICLY
DISCIPLINED FOR ANY UNLAWFUL
OR UNETHICAL ACTIONS IN YOUR
PROFESSIONAL CAREER?
A Several government and professional regulatory
organizations, such as FINRA, your state insur-
ance and securities departments, and CFP
Board keep records on the disciplinary history
of financial planners and advisers. Ask what
organizations the planner is regulated by and
contact these groups to conduct a background
check. (See listing at right.) All financial planners
who have registered as investment advisers
with the Securities and Exchange Commission
or state securities agencies, or who are associ-
ated with a company that is registered as an
10
investment adviser, must be able to provide
you with a disclosure form called Form ADV -
Part II or the state equivalent of that form.
Q CAN I HAVE IT IN WRITING?
A Ask the planner to provide you with a written
agreement that details the services that will
be provided. Keep this document in your files
for future reference.
6
9. TO C H ECK
the Disciplinary History of a
Financial Planner or Adviser
Certified Financial Planner Board of Standards, Inc.
800-487-1497 • www.CFP.net/search
North American Securities Administrators
Association
202-737-0900 • www.nasaa.org
National Association of Insurance Commissioners
816-783-8500 • www.naic.org
Financial Industry Regulatory Authority
800-289-9999 • www.finra.org
Securities and Exchange Commission
800-732-0330 • www.sec.gov
TO F IND
a Financial Planner in Your Area
Financial Planning Association
800-322-4237 • www.fpanet.org
National Association of Personal Financial Advisors
800-366-2732 • www.napfa.org
American Institute of Certified Public
Accountants/Personal Financial Planning Division
888-777-7077 • pfp.aicpa.org
Society of Financial Service Professionals
888-243-2258 • www.financialpro.org
7
11. C H E C K LIST
for Interviewing a Financial Planner
Planner Name: ____________________________________
Company: ________________________________________
Address: __________________________________________
Phone: ______________________ Date: ______________
1 Do you have experience in providing advice on
the topics below? If yes, indicate the number of years.
Retirement planning ________________________
Investment planning ________________________
Tax planning ______________________________
Estate planning ____________________________
Insurance planning ________________________
Integrated planning ________________________
Other ______________________________________
2What are your areas of specialization?
What qualifies you in this field?
________________________________________________
________________________________________________
________________________________________________
________________________________________________
________________________________________________
3 a. How long have you been offering financial
planning advice to clients?
Less than one year
One to four years
Five to 10 years
More than 10 years
b. How many clients do you currently have?
Less than 10 clients
10 to 39
40 to 79
80 +
4 Briefly describe your work history.
________________________________________________
________________________________________________
________________________________________________
________________________________________________
________________________________________________
12. 5 What are your educational qualifications?
Give area of study.
Certificate __________________________________
Undergraduate degree ______________________
Advanced degree ___________________________
Other ______________________________________
______________________________________________
6 What financial planning designation(s) or
certification(s) do you hold?
CERTIFIED FINANCIAL PLANNERTM certification
Certified Public Accountant/Personal Financial
Specialist (CPA/PFS)
Chartered Financial Consultant (ChFC)
Other ______________________________________
7 What financial planning continuing education
requirements do you fulfill? _________ hours
every _________
8 What licenses do you hold?
Insurance
Securities
CPA
J.D.
Other ______________________________________
9 a. Are you personally licensed or registered as an
investment adviser representative with a state(s)?:
Yes No
If no, why not?________________________________
b. Are you or your firm licensed or registered as an
investment adviser with the:
State(s)?____________________________________
Federal Government?
If no, why not?________________________________
c. Will you provide me with your disclosure
document Form ADV Part II or its state equivalent?
Yes No
If no, why not?________________________________
13. 10 What services do you offer? ____________________
________________________________________________
________________________________________________
________________________________________________
11 Describe your approach to financial planning.
________________________________________________
________________________________________________
________________________________________________
12 a. Who will work with me?
Planner
Associate(s) ________________________________
b. Will the same individual(s) review my financial
situation?
Yes No
If no, who will? _______________________________
13 How are you paid for your services?
Fee
Commission
Fee and commission
Salary
Other ______________________________________
14 What do you typically charge?
a. Fee:
Hourly rate $ _________
Flat fee (range) $ _________ to $ _________
Percentage of assets under management
_________ percent
b. Commission:
What is the approximate percentage of the
investment or premium you receive on: stocks
and bonds _________ ; mutual funds _________ ;
annuities _________ ; insurance products
_________ ; other _________
15 a. Do you have a business affiliation with any
company whose products or services you are recom
mending?
Yes No
Explain _______________________________________
________________________________________________