This document provides a 13-year performance summary of the "Strategic Solutions Combo" portfolio for Mr. Sample Client from January 1998 through December 2010. The Combo portfolio outperformed the S&P 500 index with returns of 23.2% annually compared to 4.1% for the index. It also shows lower risk than the index, as measured by standard deviation of returns. Charts compare the growth of a $100,000 investment in the Combo portfolio versus the S&P 500 index over time. Tables also rank the risk and return of the Combo versus other strategies and benchmarks.
1 Current Topics in Business – Wealth Management (MBA6290MargaritoWhitt221
1
Current Topics in Business – Wealth Management (MBA6290)
Financial Planning Project
The purpose of this project is to solidify your concepts on household financial analysis.
Specifically, it requires you to input household financial data in professional financial
planning software (MoneyGuidePro) and analyze strength, weaknesses and make
recommendations from wealth management perspective. The objective is to get hands-on
experience on financial planning process by working with professional wealth
management tools.
The project involves the following tasks:
(i) Data Collection. Survey a household and use the questionnaire worksheet to obtain the
financial data. You do not have to collect responses for each question but try to gather as
much information as possible before getting started with the software. You may want to
modify the survey responses and personal information for privacy purposes.
(ii) Software Registration. MoneyGuidePro is one of the leading financial planning
software and you have access to it for this semester. All data will be deleted after 6
months. Follow these instructions to set up your account:
1. Visit http://learn.moneyguidepro.com
2. Click the Register button
3. Agree to the license agreement
4. Create a User ID and Password
5. Use this Registration code: 14770 (same code for all students).
(iii) Data Entry. Once registered, follow the following steps:
1. Go to “Start Planning” and “Add New Client.” Input basic information.
2. Go to “Fina Metrica Risk Tolerance” and calculate the risk tolerance score.
3. Go to “Budget” to input income and expenses.
4. Go to “Financial Goal Plan” and from the drop-down menu choose “Retirement.”
This is the main section where you will enter most of the financial data.
5. Once all data is entered, create the financial goal plan.
6. Calculate important financial ratios
(iv) Analysis and Recommendations. Prepare a report in your own words on the financial
conditions of the household (2-3 pages). Specifically, highlight the main findings from
the financial goal plan generated by MoneyGuidPro and interpret relevant financial ratios
to strengthen your analysis and recommendations.
Project Submission and Presentation
http://learn.moneyguidepro.com/
2
Upload the following documents in the Blackboard:
1. Project Report (2-3 pages, font 12 double spaced)
2. MoneyGuidePro report (Financial Goal Plan and Risk Tolerance)
3. ZOOM Video Presentation (See tutorial on how to record and share
presentation https://uhdhml.uhd.edu/Play/409)
Zoom Videl Presentation: 8-10 minutes
1. Household description (age, employment, children, goals, etc.)
2. Risk tolerance and Budget
3. Main findings of the financial goal plan generated by MoneyGuidPro and
interpretation of financial ratios (maximize your time in this component)
4. Strengths, weaknesses and recommendations
Grading Rubric
Your grade w ...
Maintaining Credit Quality in Banks and Credit UnionsLibby Bierman
In this session, Sageworks presented different ways that people in the bank can curb credit risk in an effort to maintain and improve credit quality of the portfolio.
1 Current Topics in Business – Wealth Management (MBA6290MargaritoWhitt221
1
Current Topics in Business – Wealth Management (MBA6290)
Financial Planning Project
The purpose of this project is to solidify your concepts on household financial analysis.
Specifically, it requires you to input household financial data in professional financial
planning software (MoneyGuidePro) and analyze strength, weaknesses and make
recommendations from wealth management perspective. The objective is to get hands-on
experience on financial planning process by working with professional wealth
management tools.
The project involves the following tasks:
(i) Data Collection. Survey a household and use the questionnaire worksheet to obtain the
financial data. You do not have to collect responses for each question but try to gather as
much information as possible before getting started with the software. You may want to
modify the survey responses and personal information for privacy purposes.
(ii) Software Registration. MoneyGuidePro is one of the leading financial planning
software and you have access to it for this semester. All data will be deleted after 6
months. Follow these instructions to set up your account:
1. Visit http://learn.moneyguidepro.com
2. Click the Register button
3. Agree to the license agreement
4. Create a User ID and Password
5. Use this Registration code: 14770 (same code for all students).
(iii) Data Entry. Once registered, follow the following steps:
1. Go to “Start Planning” and “Add New Client.” Input basic information.
2. Go to “Fina Metrica Risk Tolerance” and calculate the risk tolerance score.
3. Go to “Budget” to input income and expenses.
4. Go to “Financial Goal Plan” and from the drop-down menu choose “Retirement.”
This is the main section where you will enter most of the financial data.
5. Once all data is entered, create the financial goal plan.
6. Calculate important financial ratios
(iv) Analysis and Recommendations. Prepare a report in your own words on the financial
conditions of the household (2-3 pages). Specifically, highlight the main findings from
the financial goal plan generated by MoneyGuidPro and interpret relevant financial ratios
to strengthen your analysis and recommendations.
Project Submission and Presentation
http://learn.moneyguidepro.com/
2
Upload the following documents in the Blackboard:
1. Project Report (2-3 pages, font 12 double spaced)
2. MoneyGuidePro report (Financial Goal Plan and Risk Tolerance)
3. ZOOM Video Presentation (See tutorial on how to record and share
presentation https://uhdhml.uhd.edu/Play/409)
Zoom Videl Presentation: 8-10 minutes
1. Household description (age, employment, children, goals, etc.)
2. Risk tolerance and Budget
3. Main findings of the financial goal plan generated by MoneyGuidPro and
interpretation of financial ratios (maximize your time in this component)
4. Strengths, weaknesses and recommendations
Grading Rubric
Your grade w ...
Maintaining Credit Quality in Banks and Credit UnionsLibby Bierman
In this session, Sageworks presented different ways that people in the bank can curb credit risk in an effort to maintain and improve credit quality of the portfolio.
Investing Concept Of Risk And Return PowerPoint Presentation Slides SlideTeam
Every organization needs to adapt to the ever-changing business environment. Sensing this need, we have come up with these content-ready change management PowerPoint presentation slides. These change management PPT templates will help you deal with any kind of an organizational change. Be it with people, goals or processes. The business solutions incorporated here will help you identify the organizational structure, create vision for change, implement strategies, identify resistance and risk, manage cost of change, get feedback and evaluation, and much more. With the help of various change management tools and techniques illustrated in this presentation design, you can achieve the desired business outcomes. This business transition PowerPoint design also covers certain related topics such as change model, transformation strategy, change readiness, change control, project management and business process. By implementing the change control methods mentioned in the presentation, you will be able to have a smooth transition in an organization. So, without waiting much, download our extensively researched change management framework presentation. With our Change Management Presentation slides, understand the need for change and plan to go through it without any hassles.
Proactive Alternatives strategies for the sophisticated HNW investor with actively managed accounts. A currency hedge works well against rising interest rate volatility.
Mansfield Capital Brochure Ppt Mar2009 1110Trader1mm
Mansfield Capital PowerPoint
presentation showing aggregate performance since 2003 with low-volatility program also shown separately. Note: due my institutional client going out of business last year, and for personal reasons, I took a year off off from trading even though I had top rated performance on risk-adjusted basis. Call or write for details. MansfieldCapital@Gmail.com, or 305-915-3307
learn how UMT 360’s powerful Integrated Portfolio Management techniques can help you establish a financial management framework to gain transparency and improve investment decisions across your project, program and asset portfolios.
In a matter of minutes, you can generate a detailed report with a side-by-side comparison that addresses the opportunities discovered in The Retirement Plan Diagnostic™. Communicate the features, benefits and overall impact of your value proposition in a concise format that's co-branded and customized to your firm's unique investment models and menus.
This tool is fully integrated with PlanFinder SM and The Retirement Plan Diagnostic SM for seamless data transfer from previously collected prospective plans. With the Retirement Plan Efficiency Analysis SM , you can save significant time and money while delivering tangible value in client meetings.
Investing Concept Of Risk And Return PowerPoint Presentation Slides SlideTeam
Every organization needs to adapt to the ever-changing business environment. Sensing this need, we have come up with these content-ready change management PowerPoint presentation slides. These change management PPT templates will help you deal with any kind of an organizational change. Be it with people, goals or processes. The business solutions incorporated here will help you identify the organizational structure, create vision for change, implement strategies, identify resistance and risk, manage cost of change, get feedback and evaluation, and much more. With the help of various change management tools and techniques illustrated in this presentation design, you can achieve the desired business outcomes. This business transition PowerPoint design also covers certain related topics such as change model, transformation strategy, change readiness, change control, project management and business process. By implementing the change control methods mentioned in the presentation, you will be able to have a smooth transition in an organization. So, without waiting much, download our extensively researched change management framework presentation. With our Change Management Presentation slides, understand the need for change and plan to go through it without any hassles.
Proactive Alternatives strategies for the sophisticated HNW investor with actively managed accounts. A currency hedge works well against rising interest rate volatility.
Mansfield Capital Brochure Ppt Mar2009 1110Trader1mm
Mansfield Capital PowerPoint
presentation showing aggregate performance since 2003 with low-volatility program also shown separately. Note: due my institutional client going out of business last year, and for personal reasons, I took a year off off from trading even though I had top rated performance on risk-adjusted basis. Call or write for details. MansfieldCapital@Gmail.com, or 305-915-3307
learn how UMT 360’s powerful Integrated Portfolio Management techniques can help you establish a financial management framework to gain transparency and improve investment decisions across your project, program and asset portfolios.
In a matter of minutes, you can generate a detailed report with a side-by-side comparison that addresses the opportunities discovered in The Retirement Plan Diagnostic™. Communicate the features, benefits and overall impact of your value proposition in a concise format that's co-branded and customized to your firm's unique investment models and menus.
This tool is fully integrated with PlanFinder SM and The Retirement Plan Diagnostic SM for seamless data transfer from previously collected prospective plans. With the Retirement Plan Efficiency Analysis SM , you can save significant time and money while delivering tangible value in client meetings.
Food Processing and Preservation Presentation.pptxdengejnr13
The presentation covers key areas on food processing and preservation highlighting the traditional methods and the current, modern methods applicable worldwide for both small and large scale.
Hotel management involves overseeing all aspects of a hotel's operations to ensure smooth functioning and exceptional guest experiences. This multifaceted role includes tasks such as managing staff, handling reservations, maintaining facilities, overseeing finances, and implementing marketing strategies to attract guests. Effective hotel management requires strong leadership, communication, organizational, and problem-solving skills to navigate the complexities of the hospitality industry and ensure guest satisfaction while maximizing profitability.
Vietnam Mushroom Market Growth, Demand and Challenges of the Key Industry Pla...IMARC Group
The Vietnam mushroom market size is projected to exhibit a growth rate (CAGR) of 6.52% during 2024-2032.
More Info:- https://www.imarcgroup.com/vietnam-mushroom-market
2. •Strategic Solutions - Suitability Profile
•Prepared at the request of, and for: Mr. Sample Client
•Cli
ent or C
lie
nt'
s
3. •
•
•Run Date: 3/22/2011
•Flexible Plan Investments, Ltd.
Illustrated Research Report (Jan '98 through Dec '10)
•Strategic Solutions
Combo
•StrategiesWeights
•Managed Income Aggressive (SSMIA) 35.00%
•Market Leaders Strategic Cons - MS25 (MS) 30.00%
•Self-Adjusting Trend Following (STF ) 35.00%
•Prepared at the request of, and for: Mr. Sample Client
•Capital Market Line Analysis (Hypothetical)
•ComboSSMIA
•STF
•MS
•Index
•5% T-Bill^DJIA
•0
% •0 % 1 0 % 19% 29% 38%
•Return(%)
•^OT
C
•35
%
•30
%
•25
%
•20
%
•15
%
•10
%
•Risk(SD%)
•$1,600,000
•$1,400,000
•$1,200,000
•$1,000,000
•$800,000
•$600,000
•$400,000
•$200,000
•$
0
•Comparative Growth of $100,000 (Hypothetical)
•Combo
Index
Max.
Return Risk RAR(2) Beta Alpha Loss
Growthof $100,000(atReturnrate)
3years5 years Period(1) Index(1) Combo
S&P 500 (Index) 4.1% 19.6% 0.06 1.00 0.0% -54.7% $112,806 $122,243 1998 $133,427 33.4% $154,786 54.8%
Combo (Combo) 23.2% 12.8% 1.58 0.19 20.1%-10.8% $187,047 $283,955 1999 $161,500 21.0% $244,359 57.9%
ManagedIncomeAgg (SSMIA 22.8% 15.4% 1.29 0
.
2
1 18.8%-32.8% $185,038 $278,892 2000 $146,809 -9.1% $284,196 16.3%
MS25 (MS) 8.9% 5.6% 1.07 0.17 5.8% -7.9% $129,259 $153,379 2001 $130,675 -11.0% $382,692 34.7%
SelfAdjTF (STF ) 32.6% 30.4% 0.98 0.32 28.5%-29.0% $233,212 $410,128 2002 $100,111 -23.4% $472,029 23.3%
Dow Jones Indstr Avg (^DJIA 3.2% 18.8% 0.01 0.91 -0.8% -53.0% $109,891 $117,023 2003 $127,615 27.5% $640,770 35.7%
NASDAQ Composite (^OTC) 4.4% 27.5% 0.05 1.20 0.1% -77.4% $113,800 $124,042 2004 $143,783 12.7% $689,381 7.6%
(2) RAR = Risk-Adjusted Return. See Glossary of Terms. ^
See Indexes in Glossary of Terms.
2005
2006
$150,842
$174,645
4.9%
15.8%
$749,633
$823,147
8.7%
9.8%
2007 $185,186 6.0% $974,642 18.4%
2008 $111,868 -39.6% $940,526 -3.5%
2009 $146,812 31.2% $1,394,305 48.2%
2010 $168,959 15.1% $1,526,435 9.5%
•(1) As defined in Glossary of Terms
•Returns are net of 2.20% management fee. A Maximum Establishment Fee of 1.2% has been deducted at inception.
Research Report Disclosures and Glossary of Terms are an integral part of this presentation.
PAST RESEARCH REPORT RESULTS DO NOT GUARANTEE FUTURE RESULTS. See "Risk Considerations" in Brochure Form ADV Part II and Schedule H.
Inherent in any investment is the potential for loss as well as the potential for gain.
A list of recommendations made within the immediately preceding year is available upon request.
4. •Flexible Plan Investments, Ltd.
•Illustrated Research Report (Jan '98 through Dec '10)
Strategic Solutions
•Combo
•Prepared at the request of, and for: Mr. Sample Client
•Run Date: 3/22/2011
•Returns are net of 2.20% management fee. A Maximum Establishment Fee of 1.2% has been deducted at inception.
Research Report Disclosures and Glossary of Terms are an integral part of this presentation.
PAST RESEARCH REPORT RESULTS DO NOT GUARANTEE FUTURE RESULTS. See "Risk Considerations" in Brochure Form ADV Part II and Schedule H.
Inherent in any investment is the potential for loss as well as the potential for gain.
A list of recommendations made within the immediately preceding year is available upon request.
•$1,600,000
•$1,400,000
•$1,200,000
•$1,000,000
•$800,00
0
•$600,00
0
•$400,00
0
•$200,00
0
•$
0
•Comparative Growth of $100,000 (Hypothetical)
•Abbreviations/terms from Capital Market Line Analysis table on previous
page.
•Combo
Index
5. •
•Flexible Plan Investments, Ltd.
•Illustrated Research Report (Jan '98 through Dec '10)
Strategic Solutions
•Combo
•Prepared at the request of, and for: Mr. Sample Client
•Run Date: 3/22/2011
•Returns are net of 2.20% management fee. A Maximum Establishment Fee of 1.2% has been deducted at inception.
Research Report Disclosures and Glossary of Terms are an integral part of this presentation.
PAST RESEARCH REPORT RESULTS DO NOT GUARANTEE FUTURE RESULTS. See "Risk Considerations" in Brochure Form ADV Part II and Schedule H.
Inherent in any investment is the potential for loss as well as the potential for gain.
A list of recommendations made within the immediately preceding year is available upon request.
•25
%
•Return(%)
•20
%
•15
%
•10
%
•Capital Market Line Analysis
(Hypothetical)
•Abbreviations/terms from Capital Market Line Analysis table on previous
page.
•S
T
F
•Combo SSM I
A
•MS
•35
%
•30
%
•Index
•5
%T
-
B
i
l
l^DJIA
•0
%
•^OT
C
•0 % 1 0 % 19% 29% 38%
•Risk(SD%)
6. •Run Date: 3/22/2011
• Strategic Solutions - Illustrated Research Report (Jan '98 through Dec '10)
Prepared at the request of, and for: Mr. Sample Client
RISK LEVEL STRATEGY RETURN RISK RAR BETA ALPHA MAX RISK LEVEL
Managed Income Aggressive 22.8% 15.4% 1.29 0.00 19.8% -32.8%
Self-Adjusting Trend Following 32.6% 30.4% 0.98 0.39 29.2% -29.0%
Global Select 10.6% 14.5% 0.53 0.52 7.1% -31.3%
A Better Buy and Hold 8.6% 20.4% 0.28 0.91 4.6% -56.9%
Bear Necessities 7.6% 18.6% 0.25 0.55 4.0% -48.8%
Political Seasonality Index 5.5% 20.6% 0.12 0.78 1.6% -52.5%
S&P 500 4.1% 19.6% 0.06 1.00 0.0% -54.7%
HIGHEST HIGHEST
Combo 23.2% 12.8% 1.58 0.19 20.1% -10.8%
Market Leaders Strategic Gro - MS80 12.9% 11.8% 0.84 0.43 9.4% -17.1%
Market Leaders Strategic Agg - MS100 13.7% 13.2% 0.81 0.48 10.2% -20.3%
Lifetime Evolution Aggressive 7.7% 11.4% 0.41 0.64 3.7% -33.4%
Classic 8.8% 14.3% 0.41 0.37 5.4% -44.9%
Dynamic Fund Profiles - Balanced 7.1% 10.5% 0.40 0.38 3.8% -23.7%
Lifetime Evolution Equity Only 8.2% 13.8% 0.39 0.62 4.6% -39.7%
Dynamic Fund Profiles - Growth 7.7% 12.7% 0.37 0.46 4.2% -28.8%
Dynamic Fund Profiles - Aggressive 7.9% 14.4% 0.35 0.51 4.4% -31.3%
Evolution II 6.6% 13.7% 0.27 0.56 3.0% -33.9%
Systematic Advantage 5.6% 11.2% 0.24 0.47 2.1% -31.8%
For a Better World 5.8% 13.6% 0.21 0.57 2.2% -32.7%
HIGHER HIGHER
Market Leaders Strategic Mod - MS40 10.6% 7.7% 1.00 0.26 7.4% -10.9%
Market Leaders Strategic Bal - MS60 12.0% 9.9% 0.91 0.35 8.6% -13.8%
Select Alternatives - 100% EMF 8.2% 7.0% 0.75 0.11 5.1% -7.4%
Faith Focused Investing Moderate 5.9% 6.1% 0.49 0.33 2.3% -9.0%
Faith Focused Investing Balanced 6.3% 7.1% 0.47 0.33 2.7% -10.5%
Select Alternatives 7.2% 9.0% 0.47 0.13 4.1% -20.5%
Lifetime Evolution Moderate 6.6% 8.1% 0.46 0.66 2.4% -22.9%
Faith Focused Investing Growth 6.7% 8.2% 0.46 0.33 3.2% -12.0%
Faith Focused Investing Aggressive 7.5% 10.4% 0.44 0.33 4.1% -15.0%
Dynamic Fund Profiles - Moderate 6.1% 7.3% 0.43 0.25 2.9% -16.6%
Lifetime Evolution Moderate Growth 7.3% 10.3% 0.43 0.65 3.2% -30.1%
Next Generation Asset Allocation-Aggressive 6.4% 9.9% 0.36 0.29 3.2% -22.1%
LOWER LOWER
Market Leaders Strategic Cons - MS25 8.9% 5.6% 1.07 0.17 5.8% -7.9%
Global Maturities 7.0% 5.1% 0.80 0.07 4.0% -7.7%
Faith Focused Investing Conservative 5.0% 4.1% 0.50 0.32 1.4% -6.5%
Lifetime Evolution Conservative 5.5% 5.2% 0.50 0.53 1.5% -11.7%
Dynamic Fund Profiles - Conservative 5.4% 5.6% 0.44 0.16 2.3% -11.6%
Lifetime Evolution Income Only 4.7% 4.1% 0.42 0.07 1.7% -8.2%
Managed Income 4.0% 3.4% 0.32 0.02 1.1% -4.8%
Next Generation Asset Allocation-Moderate 4.6% 6.0% 0.28 0.16 1.5% -17.8%
Managed Income - 100% EMF 3.1% 4.8% 0.03 0.03 0.1% -10.1%
LOWEST LOWEST
•Returns are net of 2.20% management fee. A Maximum Establishment Fee of 1.2% has been deducted at inception.
Research Report Disclosures and Glossary of Terms are an integral part of this presentation.
PAST RESEARCH REPORT RESULTS DO NOT GUARANTEE FUTURE RESULTS. See "Risk Considerations" in Brochure Form ADV Part II and Schedule H.
Inherent in any investment is the potential for loss as well as the potential for gain.
A list of recommendations made within the immediately preceding year is available upon request.
7. •Illustrated Research Report - Disclosures
•If the Universe Components consist of Evolution Funds, since FPI would receive a fee for its sub-adviser activities, the client will receive a pro-rata credit on his billing.
Rafferty Asset Management, LLC serves as the Funds’ Investment Adviser and Flexible Plan Investments, Ltd. serves as the Funds’ sub-adviser. Read the Direxion Funds
Prospectus and Flexible Plan Investments’ Brochure Form ADV Part II Carefully Before Investing. In deciding whether to invest in the Funds described, you should carefully
consider
8. •Illustrated Research Report - Glossary of Terms
•Alpha:Alpha is a measurement of the risk-adjusted rate of return of a security. The alpha of the benchmark (e.g., the S&P 500) is always equal to zero. Given its level of risk, alpha
measures