The document discusses a registered representative and investment advisor representative. It notes that they are not affiliated with Cambridge or the Gaxiola Financial Group. It provides a Twitter handle of #TGF2012.
This document provides information about real estate investor workshops being held by Wealth Migrate in Midrand, Durban, and Cape Town on specific dates in May and June 2017. It includes disclaimers about the content shared at the workshops being for informational purposes only and not constituting financial advice. The document then discusses some of the top reasons people attend these workshops, which include learning about different investment options, diversifying assets, and hedging against currency risk. It also covers principles of investing like understanding macroeconomic factors, conducting due diligence on partners and risks, and managing assets. Overall, the document aims to educate attendees on real estate investment strategies and opportunities.
Roy Williams founded Prestige Wealth Management Group to provide personalized CFO services including comprehensive financial planning, tax planning, investment management, retirement planning, estate planning, and insurance. The document emphasizes listening to clients to understand their unique goals and situations, then developing a customized and holistic plan. It highlights services like in-house financial planning, tax preparation, and estate planning to ensure all aspects of clients' financial lives are addressed. The goal is helping clients achieve financial security and independence to focus on their priorities.
Building wealth and protecting legacies for families, businesses, and those most important to them.
To learn more please visit our website: http://mfg.nm.com/
Jack Boston is a financial advisor at Allied Wealth Partners in Parsippany, NJ. The document discusses the benefits of working with a financial advisor and provides an overview of the services they can provide. It addresses common misconceptions that financial advisors are only for the wealthy or that their advice is too expensive. Finally, it outlines situations such as marriage, having children, retirement, or inheritance that may prompt someone to consult with a financial advisor to develop a comprehensive financial plan.
This document discusses 10 strategies for high-net-worth families to build and protect their wealth. Strategy 4 focuses on effectively using surplus assets that are unlikely to be needed during retirement. It recommends gifting surplus assets to family members to avoid high taxes, purchasing a tax-exempt life insurance policy to shield assets from taxes, or giving to charity to create a charitable legacy while gaining tax relief. The strategy aims to protect assets from taxes and creditors by removing surplus funds from one's estate.
This document discusses the importance of financial planning and outlines the benefits of working with a Certified Financial Planner (CFP) professional. It notes that comprehensive financial planning can help people achieve their life goals, retire comfortably, and have peace of mind. While financial planning is not regulated in most provinces, working with a CFP who abides by an ethical code can increase the likelihood of staying on track financially. The document encourages vetting any financial advisor's credentials and experience.
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
This document provides information about real estate investor workshops being held by Wealth Migrate in Midrand, Durban, and Cape Town on specific dates in May and June 2017. It includes disclaimers about the content shared at the workshops being for informational purposes only and not constituting financial advice. The document then discusses some of the top reasons people attend these workshops, which include learning about different investment options, diversifying assets, and hedging against currency risk. It also covers principles of investing like understanding macroeconomic factors, conducting due diligence on partners and risks, and managing assets. Overall, the document aims to educate attendees on real estate investment strategies and opportunities.
Roy Williams founded Prestige Wealth Management Group to provide personalized CFO services including comprehensive financial planning, tax planning, investment management, retirement planning, estate planning, and insurance. The document emphasizes listening to clients to understand their unique goals and situations, then developing a customized and holistic plan. It highlights services like in-house financial planning, tax preparation, and estate planning to ensure all aspects of clients' financial lives are addressed. The goal is helping clients achieve financial security and independence to focus on their priorities.
Building wealth and protecting legacies for families, businesses, and those most important to them.
To learn more please visit our website: http://mfg.nm.com/
Jack Boston is a financial advisor at Allied Wealth Partners in Parsippany, NJ. The document discusses the benefits of working with a financial advisor and provides an overview of the services they can provide. It addresses common misconceptions that financial advisors are only for the wealthy or that their advice is too expensive. Finally, it outlines situations such as marriage, having children, retirement, or inheritance that may prompt someone to consult with a financial advisor to develop a comprehensive financial plan.
This document discusses 10 strategies for high-net-worth families to build and protect their wealth. Strategy 4 focuses on effectively using surplus assets that are unlikely to be needed during retirement. It recommends gifting surplus assets to family members to avoid high taxes, purchasing a tax-exempt life insurance policy to shield assets from taxes, or giving to charity to create a charitable legacy while gaining tax relief. The strategy aims to protect assets from taxes and creditors by removing surplus funds from one's estate.
This document discusses the importance of financial planning and outlines the benefits of working with a Certified Financial Planner (CFP) professional. It notes that comprehensive financial planning can help people achieve their life goals, retire comfortably, and have peace of mind. While financial planning is not regulated in most provinces, working with a CFP who abides by an ethical code can increase the likelihood of staying on track financially. The document encourages vetting any financial advisor's credentials and experience.
The Retirement 101 Enrollment Presentation is the companion piece to the Retirement 101 Enrollment Guide, the marquee collateral in the Nationwide Retirement enrollment drive. Together they exceeded the 2011 standard entity first-year deposits goal of $84.8M by 25%, netting new participant deposits of $112.4M in its first year.
The document discusses the need for Niinue, a Kenyan marketplace investment platform that uses debt-equity crowdfunding. It notes that young Kenyan entrepreneurs struggle to access capital from banks to fund innovations, while middle-class Kenyans' individual investments often fail. Niinue aims to address this by allowing entrepreneurs to raise capital from many small investors, and investors to pool and spread their risks across multiple businesses. The platform facilitates equity crowdfunding through structured debt investments to comply with Kenyan laws.
Worth Magazine: How can a financial advisor help professional athletes avoid ...Magnus Financial Group LLC
Pioneer Financial at Northwestern Mutual provides financial services and advice to high-net worth individuals and families. The firm has 25 associates who serve clients nationwide from their New York City office. The article discusses how professional athletes often struggle financially due to lack of experience managing large sums of money earned over short careers. It emphasizes the importance of financial planning and education to help athletes avoid common pitfalls like excessive spending and risky investments. A trusted financial advisor can help create a written plan and serve as an objective resource to help maintain an athlete's financial stability over the long term.
This document provides information on starting a business, including what qualities make a successful entrepreneur, the steps to legally start a business, and options for financing a new business venture. It discusses the importance of developing a business plan that describes the business, management team, marketing strategy, and financial projections. The document also outlines various financing options for startups, such as personal loans, lines of credit, and term loans. It promotes the financing and consulting services available through the Business Development Bank of Canada.
Niinue is a marketplace investment platform that enables Kenya's middle class to invest in short, medium, and long-term opportunities. It uses debt-equity crowdfunding to allow investors to make small investments in startups and growing companies, spreading their risk across multiple ventures. By pooling capital from many investors and investing in scalable companies, Niinue aims to generate high returns for investors while also providing capital to entrepreneurs.
Your financial adviser can help you in many ways such as managing your cash flow, investing your money, assisting with savings plans, putting your debt to work, helping you realize your goals, and planning for retirement. They can also help protect your assets, look after your estate, keep you informed and explain financial concepts. Overall, an adviser works to help you achieve your financial objectives and live the lifestyle you want now and in the future.
This document provides instructions for investors to use the Niinue investment platform. It explains how to register an account as either a Standard, Silver, Gold, or Platinum investor, with each level providing additional benefits and access to more features. It then outlines the key sections of the platform, including viewing investment opportunities, communicating with entrepreneurs, investing in campaigns, and accessing employment, bidding or directorship opportunities based on investor level. The tutorial aims to guide new investors on navigating the platform and taking advantage of the resources available to evaluate and make investments wisely.
This document discusses challenges faced by deaf and hard-of-hearing (D/HH) individuals in employment. It notes that D/HH people experience higher unemployment rates compared to hearing people, due in part to misperceptions about their capabilities. However, entrepreneurship is one pathway around inaccessible workplaces. The document highlights that D/HH individuals are more likely than hearing people to be self-employed or business owners. It discusses how investing in D/HH entrepreneurs can help create jobs, enhance economic power, and uplift the D/HH community while tapping into an $86 billion market. Spotlighting successes of D/HH entrepreneurs and businesses can help shift perceptions and enrich opportunities for the D/HH ecosystem.
The document discusses various aspects of personal finance and money management. It emphasizes the importance of budgeting, tracking expenses, controlling spending, and maximizing savings. It notes that budgets can help reduce stress, financial arguments, and protect from unexpected costs. The document provides tips for developing a spending plan, including changing one's mindset around money and identifying personal weaknesses and temptations. It also stresses the importance of the entire family being involved in the money management process.
This document discusses the role of angel investors in franchising and retail. It provides background on angel investors, noting that they typically provide early-stage private capital, actively participate in investments, and offer founders advice and guidance. Statistics show angel investing has grown significantly in recent decades. The document also explores trends in venture capital funding and successful industries like Internet and software, advising angels to target fast-growing mobile and Internet markets to find great investment opportunities.
How to use property to build long term wealth. How to pay a Home Loan down in under half the time WITHOUT affecting your lifestyle, prepare for a golden retirement and understand the secret of building a Property Portfolio.
#CU12: Making not-for-profits profitable - John Peacock at Connecting Up 2012Connecting Up
Charities, community groups and associations cannot distribute dividends to members, but the term not-for-profit is actually a misnomer. John's session will cover the various ways an entity that wishes to make profits and build up reserves should approach this goal.
The document summarizes the key findings of a report on angel investing in the UK. It found that the profile of angel investors is changing, with more women and younger individuals becoming angels. Specifically, 14% of angels are now women, up from 7% in 2008, and 44% are under 45 years old. Angels are also becoming more ethnically diverse. The survey found that angels are more active investors than in the past, with a median of 4 investments per angel compared to 2.5 in a 2008 survey. It calls for continued efforts to raise awareness and attract a more diverse pool of angel investors to support entrepreneurship.
This document provides tips and advice for improving one's financial situation in the new year. It discusses setting financial goals, creating a money roadmap with short and long-term goals, earning more through freelance work or a side business, reviewing life insurance needs due to major life changes, talking about money with family, and estate planning with a will. It also includes statistics about financial resolutions and savings goals.
This document provides an introduction to investments, including financial markets, instruments, and asset classes. It discusses stocks, bonds, mutual funds and other investment vehicles. It also covers key investing concepts such as market indices, returns, risks, costs and taxes associated with different asset types. The document aims to educate readers on investment basics and analyzing different investment products.
The pressures of running a business while looking for funding causes many founders to underestimate the importance of creating a clear fundraising strategy. You don’t want to waste your time seeking capital without a clear timeline and plan. In this workshop, the experienced investors and entrepreneurs will guide you on how to best prepare, plan and execute a strategy that’s best suited to your business.
This workshop will also address the specifics of what it means to raise capital as a female founder and provide practical tips, checklists, templates and interactive exercises so you can start applying these to your company and Own Your Raise.
Key topics addressed include:
What’s the landscape of raising money for female founders?
What does raising capital mean for me and for my business?
Is my company ready to raise?
How much should I raise?
What’s the process and timeline of raising from angels/VCs?
How can I best prepare to raise my first outside capital?
How do I figure out and understand who the right investors are for my company?
How can I best align running my company and running a fundraising round?
What are the resources out there that can help me fundraise?
By attending this workshop, you will:
Understand what raising outside capital means for you and your business
Have a clear understanding of how to create a fundraising strategy that makes sense for you and for your company
Learn about resources to help you fundraise
Get checklists and templates for planning and executing your raise
Get access to the slides & recording
Please note that this is a woman-only event. Use of “women” & “female” is inclusive of and welcomes trans women, nonbinary folks, and anyone who identifies with womxnhood in any way that is significant to them.
The document appears to be describing a financial advisor and their credentials. It states that the Registered Representative offers securities through Cambridge Investment Research Inc., a Broker/Dealer that is a member of FINRA and SIPC. It also states that the Investment Advisor Representative works for Cambridge Investment Research Advisors, Inc., which is a Registered Investment Advisor. However, Cambridge and the Gaxiola Financial Group are not affiliated. It provides a Twitter handle of #TGF2012.
From Facebook to Banquets: Identity, Institutions, and Uprisings - Tom Sleecyborgology
The document discusses concepts related to collective identity formation and social movements. It explores how dissenting identities can develop in "free spaces" like religious institutions that are removed from state control. These identities are expressed through cultural symbols and practices. Boundary-setting rituals in oppositional groups can strengthen internal solidarity. The document also examines how repressive state actions can either quash social movements or increase their legitimacy, and how censorship can turn banned texts into extraordinary ones that take on new significance.
Presentación1 gif de cardiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiioooooooooooooooo...locadesalud
O documento discute a fisiopatologia cardiovascular, incluindo a anatomia e fisiologia do sistema cardiovascular e as condições patológicas que afetam o coração e os vasos sanguíneos.
This document discusses research on whether new information and communication technologies are associated with social isolation. It summarizes findings from studies that looked at core social networks, social support, and civic engagement. The research found no evidence that internet and mobile phone use is linked to smaller core networks or less social support. Findings also showed that internet users may have more diverse social networks and receive more social support than non-users. So new technologies do not appear to be associated with greater social isolation.
The document discusses the need for Niinue, a Kenyan marketplace investment platform that uses debt-equity crowdfunding. It notes that young Kenyan entrepreneurs struggle to access capital from banks to fund innovations, while middle-class Kenyans' individual investments often fail. Niinue aims to address this by allowing entrepreneurs to raise capital from many small investors, and investors to pool and spread their risks across multiple businesses. The platform facilitates equity crowdfunding through structured debt investments to comply with Kenyan laws.
Worth Magazine: How can a financial advisor help professional athletes avoid ...Magnus Financial Group LLC
Pioneer Financial at Northwestern Mutual provides financial services and advice to high-net worth individuals and families. The firm has 25 associates who serve clients nationwide from their New York City office. The article discusses how professional athletes often struggle financially due to lack of experience managing large sums of money earned over short careers. It emphasizes the importance of financial planning and education to help athletes avoid common pitfalls like excessive spending and risky investments. A trusted financial advisor can help create a written plan and serve as an objective resource to help maintain an athlete's financial stability over the long term.
This document provides information on starting a business, including what qualities make a successful entrepreneur, the steps to legally start a business, and options for financing a new business venture. It discusses the importance of developing a business plan that describes the business, management team, marketing strategy, and financial projections. The document also outlines various financing options for startups, such as personal loans, lines of credit, and term loans. It promotes the financing and consulting services available through the Business Development Bank of Canada.
Niinue is a marketplace investment platform that enables Kenya's middle class to invest in short, medium, and long-term opportunities. It uses debt-equity crowdfunding to allow investors to make small investments in startups and growing companies, spreading their risk across multiple ventures. By pooling capital from many investors and investing in scalable companies, Niinue aims to generate high returns for investors while also providing capital to entrepreneurs.
Your financial adviser can help you in many ways such as managing your cash flow, investing your money, assisting with savings plans, putting your debt to work, helping you realize your goals, and planning for retirement. They can also help protect your assets, look after your estate, keep you informed and explain financial concepts. Overall, an adviser works to help you achieve your financial objectives and live the lifestyle you want now and in the future.
This document provides instructions for investors to use the Niinue investment platform. It explains how to register an account as either a Standard, Silver, Gold, or Platinum investor, with each level providing additional benefits and access to more features. It then outlines the key sections of the platform, including viewing investment opportunities, communicating with entrepreneurs, investing in campaigns, and accessing employment, bidding or directorship opportunities based on investor level. The tutorial aims to guide new investors on navigating the platform and taking advantage of the resources available to evaluate and make investments wisely.
This document discusses challenges faced by deaf and hard-of-hearing (D/HH) individuals in employment. It notes that D/HH people experience higher unemployment rates compared to hearing people, due in part to misperceptions about their capabilities. However, entrepreneurship is one pathway around inaccessible workplaces. The document highlights that D/HH individuals are more likely than hearing people to be self-employed or business owners. It discusses how investing in D/HH entrepreneurs can help create jobs, enhance economic power, and uplift the D/HH community while tapping into an $86 billion market. Spotlighting successes of D/HH entrepreneurs and businesses can help shift perceptions and enrich opportunities for the D/HH ecosystem.
The document discusses various aspects of personal finance and money management. It emphasizes the importance of budgeting, tracking expenses, controlling spending, and maximizing savings. It notes that budgets can help reduce stress, financial arguments, and protect from unexpected costs. The document provides tips for developing a spending plan, including changing one's mindset around money and identifying personal weaknesses and temptations. It also stresses the importance of the entire family being involved in the money management process.
This document discusses the role of angel investors in franchising and retail. It provides background on angel investors, noting that they typically provide early-stage private capital, actively participate in investments, and offer founders advice and guidance. Statistics show angel investing has grown significantly in recent decades. The document also explores trends in venture capital funding and successful industries like Internet and software, advising angels to target fast-growing mobile and Internet markets to find great investment opportunities.
How to use property to build long term wealth. How to pay a Home Loan down in under half the time WITHOUT affecting your lifestyle, prepare for a golden retirement and understand the secret of building a Property Portfolio.
#CU12: Making not-for-profits profitable - John Peacock at Connecting Up 2012Connecting Up
Charities, community groups and associations cannot distribute dividends to members, but the term not-for-profit is actually a misnomer. John's session will cover the various ways an entity that wishes to make profits and build up reserves should approach this goal.
The document summarizes the key findings of a report on angel investing in the UK. It found that the profile of angel investors is changing, with more women and younger individuals becoming angels. Specifically, 14% of angels are now women, up from 7% in 2008, and 44% are under 45 years old. Angels are also becoming more ethnically diverse. The survey found that angels are more active investors than in the past, with a median of 4 investments per angel compared to 2.5 in a 2008 survey. It calls for continued efforts to raise awareness and attract a more diverse pool of angel investors to support entrepreneurship.
This document provides tips and advice for improving one's financial situation in the new year. It discusses setting financial goals, creating a money roadmap with short and long-term goals, earning more through freelance work or a side business, reviewing life insurance needs due to major life changes, talking about money with family, and estate planning with a will. It also includes statistics about financial resolutions and savings goals.
This document provides an introduction to investments, including financial markets, instruments, and asset classes. It discusses stocks, bonds, mutual funds and other investment vehicles. It also covers key investing concepts such as market indices, returns, risks, costs and taxes associated with different asset types. The document aims to educate readers on investment basics and analyzing different investment products.
The pressures of running a business while looking for funding causes many founders to underestimate the importance of creating a clear fundraising strategy. You don’t want to waste your time seeking capital without a clear timeline and plan. In this workshop, the experienced investors and entrepreneurs will guide you on how to best prepare, plan and execute a strategy that’s best suited to your business.
This workshop will also address the specifics of what it means to raise capital as a female founder and provide practical tips, checklists, templates and interactive exercises so you can start applying these to your company and Own Your Raise.
Key topics addressed include:
What’s the landscape of raising money for female founders?
What does raising capital mean for me and for my business?
Is my company ready to raise?
How much should I raise?
What’s the process and timeline of raising from angels/VCs?
How can I best prepare to raise my first outside capital?
How do I figure out and understand who the right investors are for my company?
How can I best align running my company and running a fundraising round?
What are the resources out there that can help me fundraise?
By attending this workshop, you will:
Understand what raising outside capital means for you and your business
Have a clear understanding of how to create a fundraising strategy that makes sense for you and for your company
Learn about resources to help you fundraise
Get checklists and templates for planning and executing your raise
Get access to the slides & recording
Please note that this is a woman-only event. Use of “women” & “female” is inclusive of and welcomes trans women, nonbinary folks, and anyone who identifies with womxnhood in any way that is significant to them.
The document appears to be describing a financial advisor and their credentials. It states that the Registered Representative offers securities through Cambridge Investment Research Inc., a Broker/Dealer that is a member of FINRA and SIPC. It also states that the Investment Advisor Representative works for Cambridge Investment Research Advisors, Inc., which is a Registered Investment Advisor. However, Cambridge and the Gaxiola Financial Group are not affiliated. It provides a Twitter handle of #TGF2012.
From Facebook to Banquets: Identity, Institutions, and Uprisings - Tom Sleecyborgology
The document discusses concepts related to collective identity formation and social movements. It explores how dissenting identities can develop in "free spaces" like religious institutions that are removed from state control. These identities are expressed through cultural symbols and practices. Boundary-setting rituals in oppositional groups can strengthen internal solidarity. The document also examines how repressive state actions can either quash social movements or increase their legitimacy, and how censorship can turn banned texts into extraordinary ones that take on new significance.
Presentación1 gif de cardiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiioooooooooooooooo...locadesalud
O documento discute a fisiopatologia cardiovascular, incluindo a anatomia e fisiologia do sistema cardiovascular e as condições patológicas que afetam o coração e os vasos sanguíneos.
This document discusses research on whether new information and communication technologies are associated with social isolation. It summarizes findings from studies that looked at core social networks, social support, and civic engagement. The research found no evidence that internet and mobile phone use is linked to smaller core networks or less social support. Findings also showed that internet users may have more diverse social networks and receive more social support than non-users. So new technologies do not appear to be associated with greater social isolation.
On the Political Origins of Digital Dualism: From Rousseau's Masturbating Hab...cyborgology
This document discusses the concept of "digital dualism" through examining historical texts. It summarizes Rousseau's critique of the Enlightenment as privileging artificial social conventions over natural human instincts. It then discusses the idea of "digital dualism," which views the digital and physical worlds as separate spheres. The document argues that taking spatial metaphors of the internet too literally can lead one to commit "hyperlogocentrism," privileging offline speech over online communication. It suggests avoiding digital dualism by taking a more nuanced view of technology critiques and considering works that do not approach topics in a hyperlogocentric way or commit the fallacy of digital dualism.
This document provides guidance on using social media to build a personal brand. It discusses establishing a brand through profiles on networks like Twitter, Facebook, and LinkedIn. It emphasizes connecting with others, engaging with your network by sharing content, and measuring your results. The key aspects are to select the right networks, build connections, consistently share authentic content, and track both quantitative and qualitative metrics to measure social media success.
Swiss Kenko Company Limited is offering with the SANYIKO ERP REVENUE SOLUTION a strong package that helps grow Revenue in County Covernments and increases accountability.
This document discusses Equilibrium Wealth Management's investment philosophy and approach. It emphasizes balancing return, risk, and capital preservation. It highlights the firm's experienced team and strategic partnerships with LPL Financial and HighPoint Advisor Group. The investment strategy focuses on asset allocation, including non-traditional investments, to reduce risk and increase returns for clients based on their individual tolerance for risk.
John Labunski Provider of financial services based in Plano, Texas. The company offers estate planning, life insurance, income strategies, annuities and retirement planning services to its clients.
John Labunski, the former CEO of Bank of America and one of the most influential figures in banking in the last two decades, will be retiring this week. His retirement marks a momentous occasion for a man who has devoted his life to transforming the financial world.
This document provides an overview of the "Prosperity System" developed by Invesco and Ellen Rogin. It outlines a 5-step process: 1) Create a vision for your life and finances. 2) Understand your current financial situation. 3) Design a customized plan to meet your goals. 4) Take action to implement the plan. 5) Enjoy the journey and find ways to give back. The document notes some tools and factors to consider in each step, such as creating a net worth statement, choosing investments based on risk tolerance, and automating savings. It emphasizes the importance of regular investing, perspective on spending vs saving for the future, and maintaining a sense of gratitude.
The Family Business Life Cycle: Creating & Distributing WealthNicola Wealth
Wealth can be created at each stage of the life cycle of the family business. The foundation established early on will create a harvest at a later time. Many families experience turbulence when transitioning their businesses (and wealth) to the next generation. It needn’t be so. Being proactive in your approach to this critical subject can successfully prepare the recipients of your wealth and ensure the continuity of your business, and your legacy. We know what issues typically arise at each step along the journey—the key for clients is to anticipate and prepare for them throughout the various stages.
This document provides information on financial planning and why it is important. It discusses preparing for future needs like education, medical expenses, and retirement. It then asks questions to help determine if an advisor is needed based on one's investment knowledge and time. For those who don't need an advisor, the document outlines what a financial planner can help with, such as identifying goals, interpreting financial issues, and managing risk. It also discusses the steps in financial planning and the services provided by VVS Ventures, the promoting financial planning company.
This document discusses various financial, retirement, asset management, estate, insurance, tax, and money/children planning questions that keep people up at night. It addresses questions about tracking financial assets, allocating bonuses and income, owning assets, converting IRAs, having enough for retirement, drawing down funds, reducing investment risk, performance benchmarks, allocating accounts, diversifying with hedge funds or REITs, reducing taxes, updating estate documents, using trusts, having the right insurance, exercising stock options, teaching children about finances and philanthropy. It invites the reader to contact Lenox Advisors if they have any such concerns for integrated financial planning services.
This document outlines various financial, retirement, asset management, estate, insurance, tax, and money/children planning questions that keep people up at night. It suggests contacting Lenox Advisors for help addressing questions around financial asset aggregation and tracking, asset allocation, income deferral, asset ownership, Roth IRA conversions, retirement savings adequacy, draw down sequencing, portfolio risk reduction, investment performance benchmarks, account diversification, tax management, estate planning documents, insurance coverage amounts and types, capital gains and loss management, and establishing financial values for children. Lenox Advisors provides integrated financial planning and advisory services to help answer these types of questions.
Nelson Obus of Wynnefield Capital, Inc. is an American businessman and hedge fund manager As an out-spoken critic of the SEC, Nelson Obus is the president of Wynnefield Capital, Inc., an employee-owned hedge fund, specializing in value stocks of small-cap companies.
Final 2013 11 04 financial bootcamp for women the basicsTina Powell
Financial Bootcamp for Women - The Basics. A presentation geared to women beginning to take charge of their financial lives. Simple and easy-to-understand tips.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' varying risk tolerances and investment goals. Their active management approach aims to maximize returns while carefully managing downside risks.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolios tailored to meet clients' risk tolerance and investment goals. Their active management approach aims to deliver consistent, above-average returns through careful risk monitoring and adjustments to asset allocation over time.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals through their partnership with Infinity Financial Solutions. Tilney Bestinvest utilizes a rigorous research process and active asset allocation strategy to maximize returns while controlling risk for clients. Their investment philosophy focuses on in-depth fund research, risk management, and investing in top-performing funds across various asset classes. Infinity acts as the primary client contact and financial planner, while handing off portfolio management to the specialized investment professionals at Tilney Bestinvest.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' individual needs and risk tolerances. Their active management approach focuses on risk monitoring, research-driven decisions, and adjusting asset allocations to maximize returns over the long run.
This chapter introduces the importance of financial planning and provides an overview of the Ernst & Young approach. Key points include:
- Financial planning gives people options to deal with uncertainties and take advantage of opportunities by saving, investing wisely, and protecting families.
- This book from Ernst & Young aims to help readers take charge of their finances by introducing fundamentals of financial planning.
- Recent tax law changes from the Taxpayer Relief Act of 1997 and IRS Restructuring and Reform Act of 1998 are incorporated into the guidance.
- Chapter 1 is meant to help readers assess their financial situation and determine goals as a starting point for developing a financial plan.
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BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Tdasx: Unveiling the Trillion-Dollar Potential of Bitcoin DeFi
7 savvy secrets_rev
1. Registered Representative, Securities offered through Cambridge Investment Research Inc., a Broker/Dealer, Member
FINRA/SIPC.
Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.
Cambridge and the Gaxiola Financial Group are not affiliated.
Twitter Handle #TGF2012
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
1 not be construed as specific tax, legal, financial planning or investment advice.
3. Agenda
Four Generations of Growth and Change
Seven Savvy SECRETS to Financial Success
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
3 not be construed as specific tax, legal, financial planning or investment advice.
4. Four Generations of Growth and Change
Growing Up
A woman’s attitude towards money
is largely based on
what society’s expectations
were of women
during her youth.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
4 not be construed as specific tax, legal, financial planning or investment advice.
5. Four Generations of Growth and Change
How Things Have Stayed The Same
Prince Charming Myth
When I grow up,
I’m going to marry
a rich man
who will take care of me
and I’ll live
happily ever after.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
5 not be construed as specific tax, legal, financial planning or investment advice.
6. Four Generations of Growth and Change
How Things Have Stayed The Same
Frog to Prince Ratio 50:1
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
6 not be construed as specific tax, legal, financial planning or investment advice.
7. Seven Savvy SECRETS to Financial Success
1. Solid financial foundation
2. Employment benefits
3. Charitable giving
4. Retirement planning
5. Experienced financial counsel
6. Transition planning
7. Staying on track
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
7 not be construed as specific tax, legal, financial planning or investment advice.
8. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
Before anything else, preparation is the key to success.
– Alexander Graham Bell
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
8 not be construed as specific tax, legal, financial planning or investment advice.
9. 1. Solid Financial Foundation
Emergency Fund
• How much do you need?
• How should it be invested?
• How should it be titled?
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
9 not be construed as specific tax, legal, financial planning or investment advice.
10. 1. Solid Financial Foundation
Managing Credit
• Remember Layaway?
• Buy now/Pay forever
• Managing Debt
• Paying Off Debt
‒ Transferring Balances
‒ Payment Strategies
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
10 not be construed as specific tax, legal, financial planning or investment advice.
11. 1. Solid Financial Foundation
Your FICO Score Matters
• Why it matters
• Monitoring your score
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
11 not be construed as specific tax, legal, financial planning or investment advice.
12. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
Not taking advantage of an employer’s match is like leaving money on the table
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
12 not be construed as specific tax, legal, financial planning or investment advice.
13. 2. Employment Benefits
Traditional 401(k)
• Pre-tax dollars
• Contribution Limits
• Catch-up Contributions
• Employer Matching
• Loans
• Distributions
• Taxation at Time of Distribution
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
13 not be construed as specific tax, legal, financial planning or investment advice.
14. 2. Employment Benefits
Roth 401(k)
• After-tax dollars
• Contribution Limits
• Catch-up Contributions
• No Employer Matching
• Loans
• Distributions
• Tax-free Growth
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
14 not be construed as specific tax, legal, financial planning or investment advice.
15. 2. Employment Benefits
Conversion and Rollover Considerations
• During employment
• After termination of employment
Taxation
• Converting from Traditional 401(K) to Roth 401(K)
• Rollover from traditional 401(K) to Traditional IRA
• Rollover from traditional 401(K) to Roth IRA
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
15 not be construed as specific tax, legal, financial planning or investment advice.
16. 2. Employment Benefits
Business Owners and Self Employed
Qualified Plans
• SEPs and SIMPLEs
• Individual 401(k)
• Other
Nonqualified Plans
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
16 not be construed as specific tax, legal, financial planning or investment advice.
17. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
3. C is for Charitable giving
Many persons have a wrong idea of what constitutes true happiness. It is not
attained through self-gratification but through fidelity to a worthy purpose.
–Helen Keller
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
17 not be construed as specific tax, legal, financial planning or investment advice.
18. 3. Charitable Giving
• Single women give more than single men1
• Married men and married women give more than single men2
• Women who participate in donor education programs are more likely to give3
• 70% of all CEOs and Officers of not-for-profit organizations are women4
Sources: 1The 2010 Study of High Net Worth Philanthropy, sponsored by Bank of America Merrill Lynch, researched and written by The Center on Philanthropy at Indiana
University, November 2010. This study reflects the attitudes and behaviors of more than 800 respondents throughout the United States with household income greater than
$200,000 and/or net worth (excluding the value of their residence) of at least $1,000,000.
2Giving USA, 2010
3“The Case for Better Philanthropy, The Future of Funding for Women and Girls”
4Women & Philanthropy, 2004, and Giving USA, 2006
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
18 not be construed as specific tax, legal, financial planning or investment advice.
19. 3. Charitable Giving
Ways to be Philanthropic
Inside every woman is a potential major philanthropist waiting to emerge.
–Joan M. Fisher, Philanthropist
Simple Direct Support Donor-Advised Private
Donations Organizations Funds Complex
Foundations
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
19 not be construed as specific tax, legal, financial planning or investment advice.
20. 3. Charitable Giving
Ways of Transferring Wealth
1. Pay As You Go
2. UGMA/UTMA Accounts
3. 529 Savings Plan
2/3 of grandparents say they want to help fund their grandchildren’s education
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
20 not be construed as specific tax, legal, financial planning or investment advice.
21. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
3. C is for Charitable giving
4. R is for Retirement planning
57% of women over 65 are facing retirement alone.
–Source: U.S. Census Bureau, Current population Survey, Annual Social and Economic
Supplement, 2008, Internet release date: June 2009
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
21 not be construed as specific tax, legal, financial planning or investment advice.
22. 4. Retirement Planning
Today’s retirees are responsible for creating the majority of their retirement income
On your own
44%
18%
63%
19%
19%
Pension Social Secutity Earned Income Investments and other
Source: Income of the Aged Chartbook, 2008, Social Security Administration. Chart of key sources of retirement income for households with annual incomes of $56,000 or more.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
22 not be construed as specific tax, legal, financial planning or investment advice.
23. 4. Retirement Planning
Today, individuals are inclined to work beyond age 65
0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50%
Plan to work in early retirment years 24%
Plan to work throughout entire retirement 47%
Plan not to work in retirment 16%
Source: “MFS Retirement Survey Shows Income Planning Needed for Pre-Retirees,” MFS Investment Management, March 18, 2008
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
23 not be construed as specific tax, legal, financial planning or investment advice.
24. 4. Retirement Planning
Today, the retirement age reflects that we’re living longer
Benefit Reduction Full Retirement
Year of Birth1
Retire at Age 622 Age 663
1943-1954 25.00% –
1955 25.83% + 2 months
1956 26.67% + 4 months
1957 27.50% + 6 months
1958 28.36% + 8 months
1959 29.17% + 10 months
1.If you were born on January 1st, you should refer to the previous year.
2.Percentages are approximate due to rounding
3.If you were born on the 1st of the month, we figure the benefit as if your birthday was in the previous month. You must be at least 62 for the entire month to receive benefits.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
24 not be construed as specific tax, legal, financial planning or investment advice.
25. 4. Retirement Planning
Strategies for Maximizing Social Security
“File and Suspend”
• High earning spouse files for own benefit at FRA to
make low earning spouse eligible for spousal benefit
• High earning spouse immediately suspends own benefit
to earn delayed credits until age 70
“Claim now, claim more later”
• High earning spouse claims spousal benefit at age 66
• Low earning spouse filed for own benefit (at FRA)
• High earning spouse switches to own benefit at age 70
Source: Horses Mouth, 5 Keys to Profitable Social Security Planning, Elaine Floyd, CFP® 12/9/2010
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
25 not be construed as specific tax, legal, financial planning or investment advice.
26. 4. Retirement Planning
The Medicare Part D Prescription Drug Coverage
The Doughnut Hole* – The gap in coverage where the participant must pay 100% of the next $3,610 of
prescription drug charges. This results in a total out of pocket expense on the first $6,440 in prescriptions of
$4,550. After doughnut hole, coverage resumes with participant paying 5% (after $6,440 in prescriptions)
$2,530 $3,610 $6,447.50
*Some coverage variability exists; this is a general description
Source: College For Financial Planning
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
26 not be construed as specific tax, legal, financial planning or investment advice.
27. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
3. C is for Charitable giving
4. R is for Retirement planning
5. E is for Experienced financial counsel
The world is full of experts, but great communicators are always in short supply.
–Nick Murray, The New Financial Advisor
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
27 not be construed as specific tax, legal, financial planning or investment advice.
28. 5. Experienced Financial Counsel
What Advised Investors Say
The "value I have received from
my financial advisor was more 79%
than worth the cost“
Their portfolio has done better
over the past two years compared 62%
with most people they know
Advisor "did not explain
the risks of the market as well 12%
as he/she should have"
Source: Envestnet, National surveys of 1,023 investors with $250,000 in assets or more and 504 financial advisors were conducted via the internet between April 14 and 30, 2010 for advisors and April 21 and 27 for
investors by the national polling firm of Mathew Greenwald & Associates.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
28 not be construed as specific tax, legal, financial planning or investment advice.
29. 5. Experienced Financial Counsel
Integrated Wealth Management
Tax Planning
Family Governance
Risk Management
Legacy Planning
Charitable Solutions
Retirement Advice
Liability Management
Investment Guidance
Neither Nuveen Investments Wealth Management Services nor its employees offer tax or legal advice. You must consult with your personal legal or tax advisor regarding your
personal circumstances..
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
29 not be construed as specific tax, legal, financial planning or investment advice.
30. 5. Experienced Financial Counsel
Build a Relationship with your Financial Advisor
• Keep them involved in your progress
• Use them as a resource
• Take part in review meetings
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
30 not be construed as specific tax, legal, financial planning or investment advice.
31. 5. Experienced Financial Counsel
Know what there is and where to find it
• Location of important financial documents and/or
computer files
• Telephone numbers of financial counselors
– Financial Advisor
– Accountant
– Attorney
• Debts and Assets
– Dollar amount of your debts and assets
– Retirement Assets
– Debt repayment schedules
• Insurance Coverage
– Home owners
– Life/Health/Disability/Long term care
– Automobile
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
31 not be construed as specific tax, legal, financial planning or investment advice.
32. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
3. C is for Charitable giving
4. R is for Retirement planning
5. E is for Experienced financial counsel
6. T is for Transition planning
90% of women will be the sole financial decision-maker at some point in their life.
–Source: Center for Women’s Business Research 2006
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
32 not be construed as specific tax, legal, financial planning or investment advice.
33. 6. Transition Planning
Death of a Spouse
• General Statistics
• Sorting through and making changes to paperwork
– Beneficiary
– Checking, savings and brokerage accounts
– Wills
– Powers of Attorney
• Health Insurance
– COBRA
– Individual coverage
• Impact of changes to retirement planning
– Retirement accounts
– Life insurance proceeds
– Change in financial goals
– Long Term Care
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
33 not be construed as specific tax, legal, financial planning or investment advice.
34. 6. Transition Planning
Divorce
• Cash Flow Issues
• Distribution of assets and liabilities
• After the divorce is final
– Sorting through and making changes to
paperwork
– Understanding impact of changes to
retirement planning
– Lifestyle changes
– Wealth transfer
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
34 not be construed as specific tax, legal, financial planning or investment advice.
35. 6. Transition Planning
Estates and Trusts
• Estate Planning
– Distribution of wealth after passing
– Estate, gift, and generation-skipping transfer taxes
– Estate tax exclusion amount
– Titling of assets
– Probate process
– Planning for disability or incapacity
• Trusts
– Benefits and costs
– Role in estate planning
– Common types
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
35 not be construed as specific tax, legal, financial planning or investment advice.
36. 6. Transition Planning
Specific Concerns for Female Creators of Wealth
Wealth Transfer Strategies - Qualified Terminal Interest Property (QTIP)
Available Exemption
Amount
Credit Shelter Beneficiaries
Trust
At the death of the
second spouse
Children of First
QTIP Trust
Marriage
Balance Unlimited
Martial Deduction
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
36 not be construed as specific tax, legal, financial planning or investment advice.
37. Seven Savvy SECRETS to Financial Success
1. S is for Solid financial foundation
2. E is for Employment benefits
3. C is for Charitable giving
4. R is for Retirement planning
5. E is for Experienced financial counsel
6. T is for Transition planning
7. S is for Stay on track
Even if you're on the right track, you'll get run over if you just sit there
–Will Rogers
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
37 not be construed as specific tax, legal, financial planning or investment advice.
38. 7. Staying on Track
Female College Enrollment
Total Fall Enrollment in Degree-Granting Institutions
60% 56% 57%
54%
50%
40%
40%
29%
30%
20%
10%
0%
1947 1967 1987 1997 2008
Source: U.S. Department of Education, National Center for Education Statistics, Biennial Survey of Education in the United States; Opening Fall Enrollment in Higher
Education, 1963 through 1965; Higher Education General Information Survey (HEGIS), "Fall Enrollment in Colleges and Universities" surveys, 1966 through 1985; and 1986 through
2008 Integrated Postsecondary Education Data System, "Fall Enrollment Survey" (IPEDS-EF:86-99), and Spring 2001 through Spring 2009. (This table was prepared September
2009.)
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
38 not be construed as specific tax, legal, financial planning or investment advice.
39. 7. Staying on Track
Guarding Against Identity Theft
• Checking Account Balance
• What’s in your wallet?
• Gel Pens
• Secure Websites
Handbag image
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
39 not be construed as specific tax, legal, financial planning or investment advice.
40. 7. Staying on Track
What is a secure website?
• HTTPS (Hyper Text Transfer Protocol Secure) is a
secure version of the Hyper Text Transfer Protocol
(http).
• Secure means of transferring data where secure
ecommerce transactions, such as online banking
transactions and other financial transactions are
involved.
• https:// = Secure Site
• Don’t forget to check for the “S”
http/https image
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
40 not be construed as specific tax, legal, financial planning or investment advice.
41. 7. Staying on Track
In 2009, 8 million firms were at
least 50% owned by women
Employing more than 23 million workers
Generating nearly $3 trillion in revenues
to the U.S. economy
Source: Center for Women’s Business Research, “The Economic Impact of Women-Owned Businesses in the United States”, October 2009
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
41 not be construed as specific tax, legal, financial planning or investment advice.
42. Seven Savvy SECRETS to Financial Success
1. Solid financial foundation
2. Employment benefits
3. Charitable giving
4. Retirement planning
5. Experienced financial counsel
6. Transition planning
7. Staying on track
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
42 not be construed as specific tax, legal, financial planning or investment advice.
43. Resources
• Women & Money, Owning the Power to Control Your Destiny, Suze Orman, 2007
• Women Don’t Ask, Linda Babcock and Sara Laschever, 2007
• Reinventing Fundraising: Realizing the Potential of Women’s Philanthropy, Sondra C. Shaw
and Martha A. Taylor, 1995
• Women’s Philanthropy Institute: http://www.philanthropy.iupui.edu/philanthropicservices/WPI/
• Pink Magazine: http://www.pinkmagazine.com
The opinions expressed in these resources do not necessarily reflect the views of Nuveen Investments. Nuveen
assumes no liability for the content of any resource provided, including, without limitation, the accuracy, subject
matter, quality or timeliness of the content. The fact that such resources have been provided does not constitute an
endorsement, authorization, sponsorship by or affiliation with Nuveen with respect to any resource provided or its
sponsor.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
43 not be construed as specific tax, legal, financial planning or investment advice.
44. Glossary of Terms
529 plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher
education expenses of a designated beneficiary. It is named after section 529 of the Internal Revenue Code. The detailed
behavior of 529 plans is determined by state legislation, and while most plans allow investors from out of state, there can be
significant state tax advantages and other benefits, such as matching grant and scholarship opportunities, protection from
creditors and exemption from state financial aid calculations, for investors who invest in 529 plans within their state of residence.
Donor-Advised Fund is a charitable giving vehicle set up under the tax umbrella of a public charity, which acts as sponsor to
many Funds.
Private Family Foundation has an endowment fund with which it invests and then uses the investment returns to fund public
charities. If a private foundation does not invest in public charities then the private foundation may directly perform the function
of a public charity by using the investment returns as the funding.
Private Operating Foundation is any private foundation that spends at least 85% of its adjusted net income or its minimum
investment return, whichever is less, directly for the active conduct of its exempt activities. Certain private foundations that
provide long-term care facilities are treated as operating foundations only for the purposes of the excise tax on failure to
distribute income.
A Qualified Terminal Interest Property Trust or “QTIP” is an irrevocable trust that is created at the death of the grantor, often in
conjunction with a Credit Shelter Trust. It can be drafted to preclude the surviving spouse from appointing the remainder to a
second spouse or children from a second marriage.
Roth 401(K) is a type of employer-sponsored retirement plan that allows a worker to save for retirement on a post-tax elective
deferral basis.
Supporting organization is a public charity created by the U.S. Internal Revenue Code in 26 USCA 509(a)(3). A supporting
organization either makes grants to, or performs the operations of, a public charity similar to a private foundation.
Traditional 401(K) is a type of employer-sponsored retirement plan that allows a worker to save for retirement while deferring
income taxes on the saved money and earnings until withdrawal. All assets in 401(k) plans are tax deferred.
UGMA/UTMA state laws that allow any adult to contribute to a custodian account in a minor child's name without having to
name a legal guardian or establish a trust.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
44 not be construed as specific tax, legal, financial planning or investment advice.
45. Important Disclosures
For use by financial advisors and clients in consultation with their financial advisors. Clients should
consult their financial advisors regarding any unknown terms and concepts. Financial advisors
should consider the suitability of the manager, strategy and program for its clients on an initial and
ongoing basis.
This presentation is provided for educational and informational purposes only, and should not be
construed as specific tax, legal, financial planning or investment advice. The statements contained
herein are the opinions of Nuveen Investments Wealth Management Services. All opinions and
views constitute our judgments as of the date of writing and are subject to change at any time
without notice. Please note that this information should not replace a client’s consultation with a
professional advisor regarding their tax situation. Nuveen is not a tax advisor. Clients should
consult their professional advisors before making any tax or investment decisions. This
presentation should not be regarded by recipients as a substitute for the exercise of their own
judgment. This presentation contains numerous assumptions. Different assumptions could result in
materially different results. Neither Nuveen Investments nor any of its
affiliates, directors, employees or agents accepts any liability for any loss or damage arising out of
the use of all or any part of this presentation. Certain information was obtained from third party
sources, which we believe to be reliable but not guaranteed. All investments carry a certain degree
of risk, including possible loss of principal, and there is no assurance than an investment will
provide positive performance over any period of time. Past performance is no guarantee of future
results.
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
45 not be construed as specific tax, legal, financial planning or investment advice.
46. Nuveen Investments Wealth Management Services
Women and Money:
Seven Savvy SECRETS to Financial Success
This presentation is provided for informational and educational purposes only and should not be
construed as specific tax, legal, financial planning or investment advice.
06/11 For use with Financial Advisors and Clients in Consultation with their Financial Advisors
47. Registered Representative, Securities offered through Cambridge Investment Research Inc., a Broker/Dealer, Member
FINRA/SIPC.
Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.
Cambridge and the Gaxiola Financial Group are not affiliated.
Twitter Handle #TGF2012
This presentation is provided for informational and educational purposes only and should NUVEEN INVESTMENTS
47 not be construed as specific tax, legal, financial planning or investment advice.
Editor's Notes
Looking ahead to what we’re going to learn today.
If you were to divide the audience into 4 groups, based on age, each group would have a different perception and comfort level around their financial affairs. These differences are strongly based on what society’s expectations were for women during their youth.Compare each generation…..But one thing that has most likely been each woman’s wish, at least once in there lifetime…….each generation has probably dreamed that
Read the screen.It’s a great dream, but we really should have a plan B……Because that dream isn’t always the reality
Frog-to-Prince ratio = 50:1
Today, people are intent that they need to know about the markets and be knowledgeable around all areas of investment in order to be successful.That’s simply not so. Let’s take a look at Seven Savvy Secrets that can help you reach your life goals.These secrets offer insight in how to manage the many complexities of your financial life.
Before you can begin the game of life and of building wealth, you need to have a solid financial foundation. That means mastering the ability to not only manage your assets, but to manage your liabilities.Read quote. Being prepared means mastering the ability to not only manage your assets, but to manage your liabilities.Part of being prepared is making sure that if you run into a snag, there’s a safety net in place.
Review rules and benefits around having an emergency fund
Managing credit is also important. When would you consider borrowing money? To purchase an appreciating asset: home or education examplesRemember Layaway? If you’ve let your debt get away from you, there’s no time like the present to get things back on track:Consider using savings to pay off debt. Take notice of interest rates on each of your cardsTransfer balances when availablepay off cards charging highest interest rates more aggressively
Your FICO score is used for more than just to obtain more credit. It has become a character source for employers, property managers and more.Your score is made up of 5 components: Types of credit in use: 10% New Credit: 10% Length of Credit History: 15% Amounts Owed: 30% Payment History: 35%Credit Agencies: Experian EquifaxTransunionwww.annualcreditreport.com
Whether you work for someone else, or you own your own business, you are most likely going to be responsible for your own retirement funding.Taking advantage of qualified plans becomes an important part of the funding puzzle.
Employer matching is like a Buy One Get One Free, or 50% Off Sale!IRA – Individual Retirement Account;401(k) – employer-sponsored tax-deferred retirement account Retirement savings and investments through qualified plansRoth versus traditional 401(K)For those just entering the workforce or who believe their earning potential will increase greatly over time, the Roth 401(K) may provide a tax advantage over time.Required Minimum Distribution considerations:There is one other difference between Roth IRAs and Roth 401(k)s. Roth IRAs are not subject to required minimum distributions (RMD). However, there are required minimum distributions from Roth 401(k)s. They are not taxable, but any distributions reduce the future tax free growth. This minor problem can be overcome, however. Upon retirement, you have the option to roll the Roth 401(k) into a Roth IRA. This will stop any future required minimum distributions on all the money for your entire lifetime.
Roth IRAs and Roth 401(K) are similar to their traditional counterparts. However, there are differences. Let’s review
An individual can convert traditional 401(k) funds to a roth count. There may be advantages to some who chose to do so. However, there are also disadvantages (mainly, an immediate tax liability) and one should carefully consider both sides of the argument before making that decision. When one terminates, there are considerations…..Rollover into IRA, conduit, rulesIt’s always important to look at how these different actions will be taxed.
Today, there is a growing number of self-employed, and many of them are women. One of the trends we see in the industry today is that self-employed and small business owners fail to take advantage of qualified plans and therefore find their retirement nest eggs significantly underfunded.If you are a business owner, consider the benefits of qualified plans.If you are a business owner and you are trying to attract and retain key personnel, you may want to consider offering a nonqualified plan, or deferred compensation plan as an additional form of compensation. If you are a participant in a nonqualified plan, it is worthwhile to take time with an advisor to understand the particulars of your specific arrangement
Is there anyone in this room who has never wanted to give something to someone or some cause?Statistics show that women are indeed more philanthropic than men. To me, charity is this: giving the right thing to the right person/cause at the right time and it benefits us both.There are ways that you can be philanthropic and it can provide you a benefit as well….a benefit beyond self satisfaction
Read points 1-3As we have continued to control more of the investment wealth, we have also continued to become more involved in the business of giving. (point 4)There are many ways one can be charitable.
If you have a desire to give the right thing to the right person/organization at the right time so it benefits you both, talk to your advisor about the many options that are available to you.From the simplest method of making a direct donation, to the most complex of foundations, there is a fit for you. Keep in mind that the more complex, the more costly it is to create. But, talk to you advisor to learn more.
Here’s another way to be charitable: Giving to the familyOne specific desire I have is to help insure my grandchildren with get the start they need, whether I’m there or not. 2/3 of grandparents today say they want to help pay for their grandchildren’s education.There are three options to consider:Direct payment to college for tuition – maintain control, but if death prior to child completing college, assets may not be set aside in the estate.UGMA/UTMA – Moves it out of the estate/lose control529 Plan – moves it out of the estate/maintain controlAnd you have the option of superfunding:
61% of people in the US who are between the ages of 44 and 75 are more afraid of running out of money in retirement then they are of actually dying.To address these fears, we need to understand what it’s going to take to retire, what income resources are going to be available for us and how can we maximize those resources.
Today, the burden of providing a retirement income stream falls more heavily on the individual than ever before. This shift began to change with the introduction of IRAs in 1974, but more rapidly began to change with the introduction of 401(k)s in 1983. the most recent study indicates that 63% of an individual’s retirement income will come from their own savings, including 401(k) and IRA contributions.Because of the low savings rate of many individuals, will face significant shortfalls in their retirement net egg. In fact, there is currently a $4.5trillion deficit in retirement income.
This increased expectation is driving many individuals to believe that they’ll continue to work beyond age 65, to compensate for the shortfalls in their retirement plan.Almost ¾ of the pre-retirees from this survey said they plan to work at least during their early years of retirement. But, they have not considered whether they’ll actually be able to work beyond 65:Desire is one thing, but for many, health issues, skill set and market demand could get in the way of the ability to work…at least to the level they anticipate.Referring back to the chart, almost half, 47%, of these individuals said they plan to work for the rest of their lives;Yet, in 2010, according to the US Census Bureau, less than 16% of retirees were part of the labor force.
Here are some things you need to know around social security. It can be a very important part of your retirement plan.Individuals who are 62 this year will see their benefits reduced by 25% if they elect to begin receiving benefits in 2011.That penalty increases to 30% for individuals who are 51 this year and are planning to retire at 62.The penalty is even greater for the spouse, should she/he choose to retire at 62 and claim the spousal benefit over their own.There are benefits to delaying retirement.Delayed retirementYou may choose to keep working even beyond your full retirement age. If you do, you can increase your future Social Security benefits in two ways.Each additional year you work adds another year of earnings to your Social Security record. Higher lifetime earnings may mean higher benefits when you retire. Also, your benefit will increase automatically by a certain percentage from the time you reach your full retirement age until you start receiving your benefits or until you reach age 70. The percentage varies depending on your year of birth. For example, if you were born in 1943 or later, we will add 8 percent per year to your benefit for each year that you delay signing up for Social Security beyond your full retirement age. NOTE: If you decide to delay your retirement, be sure to sign up for Medicare at age 65. In some circumstances, medical insurance costs more if you delay applying for it
There are strategies that could increase the total benefits over time for individuals who can delay receiving social security benefits until age 70 for at least one of the spouses.Two particular strategies are these:File and Suspend and Claim now, claim more later.For file and suspend, (read slide)Claim now, claim more later works a little differently. Here (read slide)These strategies can increase the cumulative benefit, and are worth considering. Your advisor can look at your personal situation and help you make decisions more effectively around this benefit.
One of the most overlooked expenses regarding retirement is healthcare.If you retire early, you’ll have to purchase a health insurance policy that will carry you over until you’re 65 and qualify for Medicare. The associated cost can be very high and the coverage may or may not be as comprehensive as you currently have. These costs should become part of your retirement budget.At 65, most individuals will qualify for Medicare. There are several parts, A, B, D and C, and it can get a bit confusing. But with this coverage, you can expect that only about 50% of your medical expenses will be covered.In fact, a couple between the ages of 65 and 85 can expect to pay $245,000 is expenses that aren’t covered by Medicare.One major component of that expense is the result of the Medicare Pare D shortfall, known as the donut hole.Medigap is private insurance that can be a supplement to Medicare. There are several options and several cost structures. Your advisor can help you effectively make decisions around these options.
How many of you change the oil in your car, or perform other maintenance on your car, as needed?I am in the industry, yet I rely on financial counsel to monitor my progress and I ensure that I stay on track and make the best decisions for me and my family around all of the things we’ve already gone over and then some.I hire a mechanic because he specializes in auto repair. I hire a financial advisor because he specializes in financial security.If you aren’t working with an advisor, I’d urge you to begin the process of finding someone who is right for you and will help you reach your financial goals.
To investors, there is great value in this relationshipIn a recent survey, 79% of Advised Investors agreed that the value they received from their Financial Advisor was more than worth the cost.In addition, 62% said their portfolio performed better over the past two years compared with most people they know.Even though many Advised Investors seem to feel that their portfolio performed relatively well, improved investment performance is only one area where we as Advisors can add value for our clients..NEXT SLIDE
Integrated wealth management involves coordinating all of the interconnected areas of a client’s financial life.Without question, Financial Advisors aim to provide their clients with improved investment results. However, there is an opportunity to add significant value in areas other than investment return.This is the crucial feature of the value of integrated wealth management and it is precisely this point that we must convey to our clients.Let’s take a look at a hypothetical example of how we can add tangible value without increasing a client’s investment returns…
Your financial advisor should become a very important part of your life. A couple of things to help you stay organized and work best with your advisor.
Your financial advisor can also act as a resource to keeping your most important information organized and available to those you entrust to have access to it when the time comes, either at your death or time of incapacity.Here is a list of items that should be easily accessible by you…
According this this statistic, 90% of us will be the sole financial decision maker at some point in our life. Death and Divorce…..two words that our industry thinks about first when they think about working with women. Let’s look quickly at things to keep in mind should you or someone you know be faced with the loss of a spouse through death or divorce.
Average age for widows - 56 yearsAverage life expectancy for women – 80.4; Average life expectancy for men – 75.2Review slide and specifically address COBRA:Consolidated Omnibus Budget Reconcilation of 198636 month coverage period
Statistic on divorce:50% of all 1st marriages end within 15 years65% of all other marriages end within 5: Cash flow considerations: emergency fund should be in your own nameDivision of property considerations: Taxation of asset, basis of asset and growth potential.
It’s important to work with your advisor and estate planning attorney to insure that things are in order at your death, to minimize your estate tax liability and insure that your wealth is transferred according to your wishes.Read Slide
For those who have enough wealth to utilize their estate exemption amount ($5mm), a QTIP trust may be an attractive tool to maintain control over remaining assets until the death of the second spouse.A QTIP trust precludes the surviving spouse from assigning the remaining interest.
Probably the most important piece of advice that I can offer is to stay on track. Check in with your advisor and see how you’re doing. What has changed that will impact your plan.And speaking of change, let’s look at a couple of non-investment related tidbits that can make your journey that much easier…
As a group, women need to continue to position ourselves for greater success. Education is key.While college attendance has increased for all high school graduates, as of the 2008 school year, more women are choosing to go to college than men. This is placing us firmly on more equal grounds. For the first time, there is actually one group where women earn more than men: women <30, with college education earn on average 8% more than their male colleagues.
Staying on track also means making sure nothing happens to interfere with your goals. Protecting yourself against identity theft if simply put, good preventative medicine for the savvy investor.Here are four things you can begin doing right now that will minimize the probability of you becoming a victim:Checking account balances should be kept at a minimum……use this account to pay expenses, not to accumulate cash. How many credit cards are you carrying in your wallet today? Consider reducing that to just one, the one with the smallest amount of credit available. If you are planning to shop, of course you may want to modify, but for day-to-day, keep the cards at a minimumGel Pens protect against identity theft. Check washing can be prevented by using gel pens when writing checks. This ink won’t wash off. Secure websites – see next slides
Before you enter personal information on a website, make sure it’s secure.Review slide.
Staying on track is what so many women are doing today, and very successfullyRead slideIf U.S. based women-owned businesses were their own country, they would have the 5th largest GDP in the world, trailing closely behind Germany, and ahead of countries including France, United Kingdom and Italy.