The document provides advice on how financial advisors can establish trust with clients and differentiate themselves. It emphasizes understanding clients' needs, being honest, competent, and focusing on clients rather than products. Advisors should actively listen to clients, develop tailored strategies, and regularly revisit risk profiles. Communication through newsletters and meetings adds value by reporting on promises made and strategies. Advisors cannot promise market outperformance or guaranteed returns, but can deliver clear processes and service. The current environment provides opportunities for fee-based advisors as credibility in the industry has fallen.
Financing Your Business: When and How to Use Debt and Equity
This presentation discusses the importance of managing debt and equity for business growth. It covers different types of debt and equity, including loans, lines of credit, stock options, and how they work. Key metrics like working capital are discussed to measure financial health. Maintaining open relationships with lenders and getting advising are recommended to plan financing strategies and prepare for different scenarios that may impact the business. Tools like financial dashboards can help track trends to keep goals on track.
The document provides an overview of key players in the middle market, including trends, buyers, and advisors. It notes that the middle market has become more fragmented with the rise of specialized private equity firms and independent sponsors. There is also greater availability of capital from a more diverse set of investors like family offices and search funds. New technologies are helping bridge information gaps and connect middle market participants.
Create a strategic roadmap for 2020 and beyondnetwealthInvest
Learn from Brad Fox, Managing Director at SmartBrave Consulting, as he guides you through the process of creating an effective strategic roadmap to not just future-proof your business, but a strategy to thrive in 2020 and beyond.
Scott droney - financing start-up and growthScott Droney
Scott Droney is provide financial services spectrum as well as data processing and managing segments. Since most of its financial services were retail focused, the need to build scale and skill in the transaction processing domain became imperative.
some financial advisors offer a multitude of services, while others are more specialized. Nearly, anyone can call themselves a financial advisor, financial planner, or financial coach, with minimum qualifications. In general,TCM Financial Services incorporate more than more of these categories.
The document discusses managing a client's debt and home equity in an optimal way. It emphasizes creating congruent goals for debt repayment and investments to maximize growth over the long term. A key part of managing debt involves understanding a client's specific needs and life goals, regularly reviewing rates and market trends, and finding opportunities to consolidate debt at lower rates.
Financing Your Business: When and How to Use Debt and Equity
This presentation discusses the importance of managing debt and equity for business growth. It covers different types of debt and equity, including loans, lines of credit, stock options, and how they work. Key metrics like working capital are discussed to measure financial health. Maintaining open relationships with lenders and getting advising are recommended to plan financing strategies and prepare for different scenarios that may impact the business. Tools like financial dashboards can help track trends to keep goals on track.
The document provides an overview of key players in the middle market, including trends, buyers, and advisors. It notes that the middle market has become more fragmented with the rise of specialized private equity firms and independent sponsors. There is also greater availability of capital from a more diverse set of investors like family offices and search funds. New technologies are helping bridge information gaps and connect middle market participants.
Create a strategic roadmap for 2020 and beyondnetwealthInvest
Learn from Brad Fox, Managing Director at SmartBrave Consulting, as he guides you through the process of creating an effective strategic roadmap to not just future-proof your business, but a strategy to thrive in 2020 and beyond.
Scott droney - financing start-up and growthScott Droney
Scott Droney is provide financial services spectrum as well as data processing and managing segments. Since most of its financial services were retail focused, the need to build scale and skill in the transaction processing domain became imperative.
some financial advisors offer a multitude of services, while others are more specialized. Nearly, anyone can call themselves a financial advisor, financial planner, or financial coach, with minimum qualifications. In general,TCM Financial Services incorporate more than more of these categories.
The document discusses managing a client's debt and home equity in an optimal way. It emphasizes creating congruent goals for debt repayment and investments to maximize growth over the long term. A key part of managing debt involves understanding a client's specific needs and life goals, regularly reviewing rates and market trends, and finding opportunities to consolidate debt at lower rates.
The document discusses the services provided by a financial advisory firm, including wealth management, investment banking, private equity, and being a one-stop solution for all financial needs. The firm has over 30 years of collective experience in areas like equity and debt placement, M&A, and structuring transactions. They customize solutions by understanding client needs and maintain high standards of integrity and professionalism.
WORKING WITH BANKERS AND PRIVATE INVESTORS TO FUND YOUR BUYOUTKris Geysels
This document summarizes steps for business owners to fund a buyout of their own company through working with bankers and private investors. It discusses identifying financial needs, funding sources like debt, equity and mezzanine financing, building trust with bankers and investors, and negotiating terms. It also addresses contingencies if the business performs below expectations after the deal and emphasizes the importance of relationship management in that scenario.
This document discusses the various stages of mergers and acquisitions (M&A) deals and fundraising, including preparation, execution, documentation, and exit opportunities. It outlines the key questions and challenges companies may face at each stage. The company, Corporate Professionals Capital Pvt. Ltd., then offers its solutions and services to guide companies through the entire M&A and fundraising process, from initial assessment and valuation to completing documentation and ensuring a successful exit for investors.
This document provides information about raising funds from angel investors. It discusses the Halo Business Angel Network (HBAN) which connects investors with early stage companies. HBAN has invested over €5.7 million in 20 startups through angel syndicates. The document outlines various funding options and notes that seeking angel investors requires equity investment and will involve missed forecasts or lost contracts. It provides tips for approaching angels, including having a one page teaser, 10 minute presentation, full business plan and use of proceeds plan. HBAN can help companies decide if they are ready for funding, provide templates, introduce them to regional angel groups, and help syndicate investment deals.
This document discusses various options for financing a business, including debt and equity financing. It addresses four key questions about financing needs and uses: how much is needed, what the funds will be used for, where to find the funds, and how they will be paid back. Debt financing involves taking a loan that must be repaid with interest, while equity financing involves raising money in exchange for ownership. Common sources of financing mentioned include bank loans, SBA loans, private investors, and crowdfunding. The business plan is identified as an important tool for communicating financing needs and managing the business.
Raising finance and exit strategies for your businessFit For Business
This document announces a networking breakfast event to discuss raising finance and exit strategies for companies. It will feature a speaker from EnvestorsMENA discussing challenges SMEs face in securing funding, what investors look for in proposals, and differences between angel investors and venture capital. The target audience appears to be business owners and founders seeking to better understand financing options and appealing to investors.
Gave a talk at Venture University on 12/5/18 on the importance for VCs to create lasting partnerships with the ecosystem especially the Corporate Innovation partners. Also gave practical hacks to build your power network as VCs.
Bovill briefing - Evidencing Suitability - June 2016bovill
It’s been on the agenda for ages, and yet suitability remains the FCA’s over-riding concern in the Wealth Management and Financial Advice sectors. We’re now five years on from the 2011 ‘Dear CEO’ letter, but it’s clear from recent supervisory activity that the regulator believes the majority of client files are still failing to evidence suitability. The recent spate of s166 skilled person notices, issued in the wake of the 2015 wealth sector suitability review, are a sure sign that patience has run out.
Kildare Artisan Netwok Funding application ken germaine may2013Brian Andrews
There are several sources of funding available for new business applications including personal investments, bank loans, credit unions, overdrafts, financing, grants, and friends/family. When applying for financing, you must demonstrate where the business needs to go, what extra resources are required and when, and how the investment will provide a return. Funding sources include local enterprise boards which provide grants and loans if the business is manufacturing/trade focused and approved in advance. Private investors like business angels may want a stake in the company and require it to be a limited company. Bank applications require thorough documentation like a business plan, financial statements, and credit check, as the application will be assessed centrally not by a local manager. Proper documentation
Mergers and Acquisitions: Preparing for Change Bailey LeRoux
The document discusses avoiding mistakes during transactions by providing lessons learned from experience. It summarizes an event presented by Bryan Livingston and Paul Puri of M&A International, the world's leading mid-cap investment banking organization. The document provides information on transaction planning, potential buyer motivations, types of transactions, and examples of enhancing transaction prices.
Structuring and Financing a Partner BuyoutGreg Tobben
Buying Out a Business Partner or Shareholder: Structuring and Financing the Deal
When an entrepreneur starts a new business, planning for a buyout of a business partner years in the future is rarely a top priority- but maybe it should be.
As businesses grow and evolve, so too do ownership or shareholder groups. The same partners or investors who took a company from startup to $20 million in revenues aren’t necessarily the right people to grow the company from $20 to $50 million, or $50 to $150 million, and so on.
Layer in retirements, partnership disputes and absentee or non-strategic owners receiving generous compensation, and making changes in ownership becomes increasingly more important (and costly) as the business grows.
On the next few pages, we’ll discuss:
1. When a Partner Buyout is a Solution
2. Valuing the Business
3. Structuring a Partner Buyout
4. Financing a Partner Buyout
5. Questions a Business Owner Should Ask When Raising Capital
6. Using an Investment Banker to Raise Capital for the Buyout
About Access Capital Partners:
Access Capital Partners is a middle market investment bank that provides strategic advisory services, raises capital for companies (growth, refinancing, restructuring, acquisitions, partner buyouts, management buyouts, leveraged buyouts), and helps business owners sell or recapitalization their companies.
We are shareholder centric and have deep experience in the middle market. With over 100 transactions representing over $8 billion in volume, business owners leverage our experience as they navigate through inflection points and ultimately achieve personal liquidity.
Tough times call for tougher measures! As Indian economy transitions from legacy to tech age, businesses including start-ups will face tough times on finance front. The presentation aims to help users understand the basics of managing their finances in difficult times and also on how to innovatively use financial engineering and intellect to tide over the rough weather.
The document provides an overview of finance as a career path. It discusses what finance is, whether finance is the right field, and different career options in finance including banking, investment banking, asset management, financial planning, corporations, and the public sector. It also mentions some of the large accounting firms, insurance companies, hedge funds, and private equity firms as potential employers. Finally, it lists some professional designations like CSI, CFP, and CFA and recommends ways to prepare for a career in finance such as taking accounting courses, networking, staying up to date on financial news.
This candidate has extensive experience in mergers and acquisitions, financial and accounting due diligence, valuations, transaction structuring, and negotiation support. They have conducted over 200 financial and accounting due diligence reviews and over 100 valuations across multiple industry sectors. Additionally, they have experience evaluating the financial and commercial viability of outsourcing deals, contract negotiations, pricing, budgeting, and risk mitigation for a large outsourcing company. They also supported leadership teams by analyzing strategic opportunities and facilitating decision making.
WCM is a global merchant banking and private equity firm that provides strategic advisory, financing, and investment services. It has offices in major cities around the world including Beijing, Shanghai, Shenzhen, San Francisco, Los Angeles, and New York. WCM focuses on cross-border transactions and assisting high-growth companies in the US, Asia, and Europe with corporate finance objectives such as pre-IPO financing and M&A deals. It manages over $5 billion in assets and portfolio companies.
This document discusses various sources of financing for businesses, including personal savings, bank loans, equity financing, and other options. It outlines the steps to determine startup costs, anticipated revenue, and personal creditworthiness. Debt financing from banks and credit unions is described as typically requiring good credit history and being best for established businesses. Equity financing involves giving ownership in exchange for funds and is more common for startups, as it does not require debt repayment but dilutes ownership. The document advises reviewing one's personal credit profile and having owner equity of at least 10% when seeking loans. Other tips include ensuring diverse revenue sources and protecting the business with insurance.
Space and suitability - Bovill briefing on FCA regulation June 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the June briefing on Suitability. For more information visit www.bovill.com.
Further information on the event is below:
Suitability has been with us for what can seem like forever. And, like the universe itself, its impact is far reaching and its complexity can at times seem bewildering.
In our briefing we explore themes around suitability and look at the journey firms have been on.
It has been three years since the wealth management ‘Dear CEO letter’. Bovill’s Richard Scrivener – who was at the regulator at the time – looks at some of the issues still troubling parts of the industry as well as the FCA, such as risk-profiling, assessing capacity for loss and what to do with ‘client-directed holdings’.
We give some practical insight into how these issues are being tackled. We also touch on some related areas, for instance, delving into recent Final Notices to spot what is new and what lessons can be learned and looking at more recent regulatory developments.
Acquisition Financing for Fundless Sponsors: 6 Ways to Negotiate Better Indep...Greg Tobben
Independent sponsor economics are paramount for those operating under a fundless sponsor model. Key components such as deal fees, management fees and carried interests are the reason you're in business.
In this presentation, Acquisition Financing for Fundless Sponsors: 6 Ways to Negotiate Better Independent Sponsor Economics, we'll walk through several practices you can use to get more transactions across the finish line and put yourself in a better position when negotiating with capital providers.
About Access Capital Partners:
Access Capital Partners is a middle market investment bank focused exclusively on raising capital for fundless or independent sponsors, operating executives, management teams and family offices.
We've Leveraged Years of Experience in Raising Capital Across a Wide Variety of Situations to Develop a Focused Effort Tailored to the Unique Needs of Independent or Fundless Sponsors.
The document discusses research conducted on the audience for horror movies. It includes a questionnaire to profile viewers and analyzes responses in graphs by gender, age, enjoyment of different aspects of horror movies, and more. The typical audience profile identified is a 16-25 year old male university student who watches horror movies with friends for fun in his free time and enjoys action-oriented genres.
The majority of people who completed the questionnaire were between 14-17 years old. Most respondents reported that they currently buy or have bought NME magazine in the past. When asked what they would like to see in a music magazine, most people selected "Artists or bands you like".
The document discusses the services provided by a financial advisory firm, including wealth management, investment banking, private equity, and being a one-stop solution for all financial needs. The firm has over 30 years of collective experience in areas like equity and debt placement, M&A, and structuring transactions. They customize solutions by understanding client needs and maintain high standards of integrity and professionalism.
WORKING WITH BANKERS AND PRIVATE INVESTORS TO FUND YOUR BUYOUTKris Geysels
This document summarizes steps for business owners to fund a buyout of their own company through working with bankers and private investors. It discusses identifying financial needs, funding sources like debt, equity and mezzanine financing, building trust with bankers and investors, and negotiating terms. It also addresses contingencies if the business performs below expectations after the deal and emphasizes the importance of relationship management in that scenario.
This document discusses the various stages of mergers and acquisitions (M&A) deals and fundraising, including preparation, execution, documentation, and exit opportunities. It outlines the key questions and challenges companies may face at each stage. The company, Corporate Professionals Capital Pvt. Ltd., then offers its solutions and services to guide companies through the entire M&A and fundraising process, from initial assessment and valuation to completing documentation and ensuring a successful exit for investors.
This document provides information about raising funds from angel investors. It discusses the Halo Business Angel Network (HBAN) which connects investors with early stage companies. HBAN has invested over €5.7 million in 20 startups through angel syndicates. The document outlines various funding options and notes that seeking angel investors requires equity investment and will involve missed forecasts or lost contracts. It provides tips for approaching angels, including having a one page teaser, 10 minute presentation, full business plan and use of proceeds plan. HBAN can help companies decide if they are ready for funding, provide templates, introduce them to regional angel groups, and help syndicate investment deals.
This document discusses various options for financing a business, including debt and equity financing. It addresses four key questions about financing needs and uses: how much is needed, what the funds will be used for, where to find the funds, and how they will be paid back. Debt financing involves taking a loan that must be repaid with interest, while equity financing involves raising money in exchange for ownership. Common sources of financing mentioned include bank loans, SBA loans, private investors, and crowdfunding. The business plan is identified as an important tool for communicating financing needs and managing the business.
Raising finance and exit strategies for your businessFit For Business
This document announces a networking breakfast event to discuss raising finance and exit strategies for companies. It will feature a speaker from EnvestorsMENA discussing challenges SMEs face in securing funding, what investors look for in proposals, and differences between angel investors and venture capital. The target audience appears to be business owners and founders seeking to better understand financing options and appealing to investors.
Gave a talk at Venture University on 12/5/18 on the importance for VCs to create lasting partnerships with the ecosystem especially the Corporate Innovation partners. Also gave practical hacks to build your power network as VCs.
Bovill briefing - Evidencing Suitability - June 2016bovill
It’s been on the agenda for ages, and yet suitability remains the FCA’s over-riding concern in the Wealth Management and Financial Advice sectors. We’re now five years on from the 2011 ‘Dear CEO’ letter, but it’s clear from recent supervisory activity that the regulator believes the majority of client files are still failing to evidence suitability. The recent spate of s166 skilled person notices, issued in the wake of the 2015 wealth sector suitability review, are a sure sign that patience has run out.
Kildare Artisan Netwok Funding application ken germaine may2013Brian Andrews
There are several sources of funding available for new business applications including personal investments, bank loans, credit unions, overdrafts, financing, grants, and friends/family. When applying for financing, you must demonstrate where the business needs to go, what extra resources are required and when, and how the investment will provide a return. Funding sources include local enterprise boards which provide grants and loans if the business is manufacturing/trade focused and approved in advance. Private investors like business angels may want a stake in the company and require it to be a limited company. Bank applications require thorough documentation like a business plan, financial statements, and credit check, as the application will be assessed centrally not by a local manager. Proper documentation
Mergers and Acquisitions: Preparing for Change Bailey LeRoux
The document discusses avoiding mistakes during transactions by providing lessons learned from experience. It summarizes an event presented by Bryan Livingston and Paul Puri of M&A International, the world's leading mid-cap investment banking organization. The document provides information on transaction planning, potential buyer motivations, types of transactions, and examples of enhancing transaction prices.
Structuring and Financing a Partner BuyoutGreg Tobben
Buying Out a Business Partner or Shareholder: Structuring and Financing the Deal
When an entrepreneur starts a new business, planning for a buyout of a business partner years in the future is rarely a top priority- but maybe it should be.
As businesses grow and evolve, so too do ownership or shareholder groups. The same partners or investors who took a company from startup to $20 million in revenues aren’t necessarily the right people to grow the company from $20 to $50 million, or $50 to $150 million, and so on.
Layer in retirements, partnership disputes and absentee or non-strategic owners receiving generous compensation, and making changes in ownership becomes increasingly more important (and costly) as the business grows.
On the next few pages, we’ll discuss:
1. When a Partner Buyout is a Solution
2. Valuing the Business
3. Structuring a Partner Buyout
4. Financing a Partner Buyout
5. Questions a Business Owner Should Ask When Raising Capital
6. Using an Investment Banker to Raise Capital for the Buyout
About Access Capital Partners:
Access Capital Partners is a middle market investment bank that provides strategic advisory services, raises capital for companies (growth, refinancing, restructuring, acquisitions, partner buyouts, management buyouts, leveraged buyouts), and helps business owners sell or recapitalization their companies.
We are shareholder centric and have deep experience in the middle market. With over 100 transactions representing over $8 billion in volume, business owners leverage our experience as they navigate through inflection points and ultimately achieve personal liquidity.
Tough times call for tougher measures! As Indian economy transitions from legacy to tech age, businesses including start-ups will face tough times on finance front. The presentation aims to help users understand the basics of managing their finances in difficult times and also on how to innovatively use financial engineering and intellect to tide over the rough weather.
The document provides an overview of finance as a career path. It discusses what finance is, whether finance is the right field, and different career options in finance including banking, investment banking, asset management, financial planning, corporations, and the public sector. It also mentions some of the large accounting firms, insurance companies, hedge funds, and private equity firms as potential employers. Finally, it lists some professional designations like CSI, CFP, and CFA and recommends ways to prepare for a career in finance such as taking accounting courses, networking, staying up to date on financial news.
This candidate has extensive experience in mergers and acquisitions, financial and accounting due diligence, valuations, transaction structuring, and negotiation support. They have conducted over 200 financial and accounting due diligence reviews and over 100 valuations across multiple industry sectors. Additionally, they have experience evaluating the financial and commercial viability of outsourcing deals, contract negotiations, pricing, budgeting, and risk mitigation for a large outsourcing company. They also supported leadership teams by analyzing strategic opportunities and facilitating decision making.
WCM is a global merchant banking and private equity firm that provides strategic advisory, financing, and investment services. It has offices in major cities around the world including Beijing, Shanghai, Shenzhen, San Francisco, Los Angeles, and New York. WCM focuses on cross-border transactions and assisting high-growth companies in the US, Asia, and Europe with corporate finance objectives such as pre-IPO financing and M&A deals. It manages over $5 billion in assets and portfolio companies.
This document discusses various sources of financing for businesses, including personal savings, bank loans, equity financing, and other options. It outlines the steps to determine startup costs, anticipated revenue, and personal creditworthiness. Debt financing from banks and credit unions is described as typically requiring good credit history and being best for established businesses. Equity financing involves giving ownership in exchange for funds and is more common for startups, as it does not require debt repayment but dilutes ownership. The document advises reviewing one's personal credit profile and having owner equity of at least 10% when seeking loans. Other tips include ensuring diverse revenue sources and protecting the business with insurance.
Space and suitability - Bovill briefing on FCA regulation June 2014Bovill
Bovill - the UK financial services regulatory consultancy - runs regular briefings. These are the slides from the June briefing on Suitability. For more information visit www.bovill.com.
Further information on the event is below:
Suitability has been with us for what can seem like forever. And, like the universe itself, its impact is far reaching and its complexity can at times seem bewildering.
In our briefing we explore themes around suitability and look at the journey firms have been on.
It has been three years since the wealth management ‘Dear CEO letter’. Bovill’s Richard Scrivener – who was at the regulator at the time – looks at some of the issues still troubling parts of the industry as well as the FCA, such as risk-profiling, assessing capacity for loss and what to do with ‘client-directed holdings’.
We give some practical insight into how these issues are being tackled. We also touch on some related areas, for instance, delving into recent Final Notices to spot what is new and what lessons can be learned and looking at more recent regulatory developments.
Acquisition Financing for Fundless Sponsors: 6 Ways to Negotiate Better Indep...Greg Tobben
Independent sponsor economics are paramount for those operating under a fundless sponsor model. Key components such as deal fees, management fees and carried interests are the reason you're in business.
In this presentation, Acquisition Financing for Fundless Sponsors: 6 Ways to Negotiate Better Independent Sponsor Economics, we'll walk through several practices you can use to get more transactions across the finish line and put yourself in a better position when negotiating with capital providers.
About Access Capital Partners:
Access Capital Partners is a middle market investment bank focused exclusively on raising capital for fundless or independent sponsors, operating executives, management teams and family offices.
We've Leveraged Years of Experience in Raising Capital Across a Wide Variety of Situations to Develop a Focused Effort Tailored to the Unique Needs of Independent or Fundless Sponsors.
The document discusses research conducted on the audience for horror movies. It includes a questionnaire to profile viewers and analyzes responses in graphs by gender, age, enjoyment of different aspects of horror movies, and more. The typical audience profile identified is a 16-25 year old male university student who watches horror movies with friends for fun in his free time and enjoys action-oriented genres.
The majority of people who completed the questionnaire were between 14-17 years old. Most respondents reported that they currently buy or have bought NME magazine in the past. When asked what they would like to see in a music magazine, most people selected "Artists or bands you like".
This questionnaire asks respondents to choose the best photo from options 1 through 4, identify which photo uses the most techniques from the same options, and select the worst photo from 1 through 4. It then asks for the respondent's overall opinion of the pictures and what could be improved in any of the photos.
This document contains the results of a questionnaire about audience preferences for watching films. It shows that most respondents were between 17-51 years old and male or female. Regarding film genres, horror, comedy and action were most popular. Respondents said they hear about new films mostly through online sources, TV ads and trailers. They enjoy films for entertainment, escape and fun storylines. Opinions on horror films varied, but those who enjoyed them liked the suspense and adrenaline. Common expectations for horror films included suspenseful music, jumpy scenes and gory or disturbing plots. Most felt horror films were scarier to watch at night.
This document advertises opportunities at a global consulting firm for quantitative professionals to build portfolio risk and modelling teams. The roles range from associate to director with salaries between £45-150k. Candidates should have strong knowledge of portfolio modelling, risk assessment, and capital requirements. A degree in applied mathematics/engineering/physics plus postgraduate qualification is required, along with excellent programming skills in C++ and experience with Monte Carlo techniques. Duties include building bespoke risk models, conducting research, and advising financial clients.
The document summarizes the results of a questionnaire about viewership of social realism films. It finds that teenagers aged 15-18 make up 70% of viewership compared to 30% for ages 19-22. Teenagers have more free time to watch films since they do not work. Females make up 55% of viewers and are more interested in social issues portrayed in social realism films compared to males. Only 33% of respondents watch social realism films, which often focus on themes like child labor, abuse, drugs, and culture. Cafes and pubs are considered the best locations to depict issues in social realism films. Male characters are typically more powerful than females. Music plays an important role
The document discusses the importance of personal financial planning, which involves determining financial goals and objectives, understanding priorities, and creating a realistic plan to meet goals by periodically reviewing investments and adjusting as needed. It covers various concepts relevant to financial planning like risk profiling, goal planning, compound interest, and the roles and responsibilities of a financial planner in developing and maintaining an effective plan. The overall message is that financial planning leads to sustainable wealth creation and peace of mind.
This document is a risk profile questionnaire that assesses an individual's investment objectives, time horizon, risk tolerance, experience, and financial situation. It includes questions about when investment objectives may change, intentions for the portfolio at the end of the stated period, main investment goals in terms of risk and return, investing knowledge and experience, level of potential portfolio decline that would prompt action, attitude toward risk over the proposed investment term, objectives in terms of income and growth, actions that would be taken in the event of an urgent cash need, and size of the portfolio relative to overall wealth. The questionnaire is to be completed, signed, and returned to the individual's financial advisor.
What have you learnt from your audience feedback?chloegs
The document discusses audience research conducted for a social realism film trailer targeting 16-25 year olds. A questionnaire given to the target audience found that they enjoyed the genre and were not distressed by scenes of drugs/alcohol. Feedback on the trailer found that it successfully established the genre through its style, locations, and lack of dialogue. Elements like a scream and violent scenes were engaging for viewers. While the trailer was successful overall, the document notes fighting scenes could be improved.
This document outlines the 10 step process for designing an effective questionnaire: 1) Specify the information needed, 2) Determine the interview method, 3) Design question content, 4) Structure questions properly, 5) Determine question wording and phrasing, 6) Establish question sequence, 7) Design the form and layout, 8) Reproduce the questionnaire, 9) Pretest the questionnaire using personal interviews with a sample similar to the target population, and 10) Edit and finalize the questionnaire based on pretest results. The goal is to obtain all necessary information through clear, unbiased questions in a logical order that motivates respondents to answer accurately.
A Framework Driven Approach to Model Risk Management (www.dataanalyticsfinanc...QuantUniversity
Model risk and the importance of model risk management has gotten significant attention in the last few years. As financial companies increase their reliance on quants and quantitative models for decision making, they are increasingly exposed to model risk and are looking for ways to mitigate it. The financial crisis of 2008 and various high profile financial accidents due to model failures has brought model risk management to the forefront as an important topic to be addressed. Many regulatory efforts (Solvency II, Basel III, Dodd-Frank etc.) have been initiated obligating banks and financial institutions to incorporate formal model risk management programs to address model risk. Regulatory agencies have issued guidance letters and supervisory insights to assist companies in developing model risk management programs. In the United States, as the Dodd-Frank act is implemented, newer guidance letters have been issued that emphasize model risk management. Despite these efforts, in practice, financial companies continue to struggle in formulating and developing a model risk management program. A lot of companies acknowledge and understand the model risk management guidelines in spirit but have practical challenges in implementing these guidance letters. In our prior article on model risk , we discussed many drivers to address model risk and challenges in integrating model risk into the quant development process. In this talk, we will discuss ten best practices for the implementation of an effective model risk management program. These best practices have evolved from discussions with industry experts and consulting projects we have worked with in the recent years to create robust risk management programs. These best practices meant to provide practical tips for companies embarking on a formal model risk management program or enhancing their model risk methodologies to address the new realities
The document discusses various methods for collecting data, including using existing data, observations, self-reporting, and different types of instruments like questionnaires and interviews. It provides details on structured vs unstructured observations and interviews, open-ended vs closed-ended questions, and advantages and disadvantages of different data collection methods. The document also covers guidelines for developing instruments, evaluating instruments through pilot testing, and quantitative vs qualitative measurement of variables.
1. The document discusses portfolio selection using the Markowitz model.
2. The Markowitz model aims to find the optimal portfolio, which provides the highest return and lowest risk. It does this by analyzing different combinations of securities to identify efficient portfolios.
3. The document provides details on the tools and steps used in the Markowitz model for portfolio selection, including analyzing expected returns, variance, standard deviation, and coefficients of correlation between securities.
This document discusses portfolio analysis and selection based on modern portfolio theory. It defines key terms like portfolio, phases of portfolio selection, the Markowitz model, efficient frontier, diversification and the optimum portfolio. The Markowitz model uses a mean-variance framework to identify efficient portfolios that maximize return for a given level of risk. An optimum portfolio provides the highest expected return for its risk level by balancing risk across different asset classes through diversification.
This document discusses portfolio selection and the basic problem faced by investors of determining which risky securities to include in their portfolio given uncertain outcomes. It covers Harry Markowitz's approach to solving this problem by focusing on an investor's initial wealth, holding period, terminal wealth, and preference for diversification. Key aspects covered include calculating portfolio expected returns and risk, indifference curves, and the risk preferences of different types of investors including risk-averse, risk-neutral, and risk-seeking.
The document appears to be design boards or mood boards for various projects. It includes themes, inspirations, clients, colors, and multiple designs for items like bags, footwear, accessories, home goods, and clothing. There are design boards for multi-compartment bags, belts, waist coats, footwear, ponchos, wall hangings, portfolios, folders, clutches, journals, tissue holders, neck pieces, earrings, wallets, handbags, pop tiles, integrated term projects, saree borders, baby bed sheets, party wear, cell phones, magazine covers, basic sleeves, basic skirts, and tops. Each design board includes the theme, inspiration, client, and color along
The document discusses risk and return in investments. It defines key concepts such as realized and expected return, ex-ante and ex-post returns, sources and measurements of risk including standard deviation and coefficient of variation. It also discusses the risk-return tradeoff and how higher risk investments require higher potential returns to compensate for additional risk.
Portfolio analysis (PA) is a technique used to analyze organizations with multiple business units or product lines. PA helps managers allocate resources by assessing each business unit's market share, industry growth, competitive strengths, and attractiveness. Common PA models include the BCG matrix, GE model, and life cycle matrix. The BCG matrix analyzes market share and growth to classify business units as stars, cash cows, dogs, or question marks. The GE model rates industry attractiveness and competitive strength to identify build, maintain, or divest categories. PA aids strategic decisions like balancing risk and return across a portfolio.
This document provides information on Vie Finance S.A., including their contact information, board of directors, company history, strategy, services, and business concept. Vie Finance is a Greek financial services firm founded in 2011 that provides investment banking, fund management, insurance, securitization, and consulting services. Their strategy involves delivering winning solutions to customers through integrity, professionalism, and trust. They aim to be the preferred financial advisor for their clients.
Treating customers fairly what ce os must know- finalStephenRosling
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1. Being a Trusted Adviser
Frank Mulcahy
Senior Wealth Manager
Certified Financial Planner
2. What do clients want from
their financial advisers?
Respondents were asked what factors influenced them
the most when they selected a financial adviser?
• “Focus on understanding my needs first” as the most
important criteria
• A strong personal referral from an existing client
• Helps me understand my situation in a new way I hadn’t
previously considered
Source: Huthwaite Asia Pacific
3. In contrast the survey found the two biggest negatives
for a prospective client are that:
• The financial adviser did most of the talking
• The adviser already had a solution ready when they first met
4. What are the personal traits client
expect from a trusted adviser?
e
• Concern: focus on clients needs and not on your product and
services
• Candour: being honest, not pretending to know, and not
exaggerating
• Competence: knowing how your services meet the needs of
the client
5. How do you set yourself apart?
Clients are increasing shopping around before selecting an
adviser. How do set yourself apart from the crowd?
Taking your client through your investment process
• A discovery meeting Fact find the hard and soft facts
• Let the client do the talking
• “Actively Listen” to the clients
• Confirm to the client you have understood
• Develop a strategy that meets those needs
6. Managing Expectation – Risk profiling
Why is getting a clients risk profile right so important?
• It is the foundation of the right investment strategy for the client
• Builds confidence in your investment process
• Compliance
• Helps the client to stay invested/maintain the strategy
• Clients have short memories and you need to regularly revisit this
conversation
7. Risk and return are related
Educate the client on the relationship between risk and return
GoldCore Strategic Portfolios
9. Risk Profiling Other Considerations
• Ensure there is sufficient liquidity to maintain their
lifestyle income
• What stage is the client in the lifecycle
• Use the results of the GoldCore risk questionnaire
• You now have a reliable basis to select the right
portfolio for the client
10. How do you deal with clients during times of extreme market volatility?
Performance of the MSCI World Index from 1999 to today
11. Get the client to focus on what they can control
• Asset allocation and rebalancing
• Putting in place strategies to meet their goals and objectives
• Patience – it takes time for the strategy to succeed
• Minimise costs and taxes
• Stop reading the financial press
12. The Benefit of time in the market
------- MSCI World Index 1990 - 2011
13. Illustrate the benefit of a globally diversified approach
------ Strategic Balanced Portfolio 1999 – 2011 (50% bonds & 50% Real assets)
------- MSCI World Index 1999 - 2011
14. Communication
Communication is all important for any adviser but particularly
for a fee based adviser
It is an opportunity to communicate the value you add to clients
financial lives
• Quarterly newsletters
• Semi-annual meetings
• Lunch/Phone calls just to say hello – builds the relationship
Separates you from the “product sale person” who only make
contact when a sale can be made
15. Communication (Cont)
What value have you added to the client?
It is all about delivering on your promises and
communicating this to the client
16. Promise only what you can deliver
What an adviser can deliver What an adviser cannot deliver
• Clear investment process • Market outperformance due to alpha
• Excellent service • Cost free advice
• Regular contact • Guaranteed return
• Being available for clients when • Protection from all world and life
they need you events
• Regular review of the strategy
• Risk Management
17. Managing Expectations
Headlines from the press
• “Bosses still downbeat on economic prospects”
• “The struggle to deal with the Greek crisis has major implications for Ireland”
• “Tough choices to be made on economy”
• “Bankers escape punishment and then hound customers”
• “We can be the new Argentina”
• “When will our money run out?”
• “Another Anglo mess to be unravelled?”
• “Bankrupted by the bailout”
18. Challenging Investment Myths
Current investment myths
“It has been a bad ten years for the equity markets”
The GoldCore growth portfolio has returned 8.06%pa in the last
10 years
“It is a bad time to invest with so many risks”
MSCI index of global stocks has returned 30.80% in 2009
and 12.30% in 2010
“Cash is a safe investment”
What about inflation? Current cash deposit rates have a net yield
of +2%. Annual inflation of 3.2% as at April 2011
19. The Opportunity for Fee
Based Advisers
New Clients
• Existing Commission/distributor structure is broken as it has
failed clients
• Major players credibility has been damaged, they did not
understand risk and return
• Clients are looking for answers
• Changing regulatory environment
20. The Opportunity for Fee
Based Advisers (Cont)
Existing Clients
• Rediscover your existing clients
• As your trusted adviser we are constantly looking for better
ways to service you. We have developed a new
investment/planning process that is adding significant value
to our clients
• Call to action and make the appointment
21. Positioning
• Independent advisory firm
• Holistic approach to advice
• Investment process
• Academic approach to investing
• Educate clients
• Lower costs
22. There has never been a better or more important
time to be a financial adviser
Your clients need you to help them climb out of
the bunker and work proactively on developing
new long-term plans
Frank.Mulcahy@goldcore.com
Editor's Notes
NotesTop: Recent research on the Australian Advisory market by Huthwaite Asia Pacific provides real insight into what clients expect from their financial advisers.Is there anything on that list that is missing that you would expect to be there?Notice there is no mention of products or investment solutions or the highest returns.This illustrates that clients do not find investments, investment returns as important as adviser believe. So focus on things the client interested and that is himself Survey of 430 directors and senior managers across industries
So as advisers why do we spend so much talking about our products? Is it because that is what we have been trained to do and comfortable talking about?It is often part of our DNA but once in a discovery meeting actively listen to yourself are you talk too much
Concern – again stop talking and listen to the clientCandour – not making predictions about the markets or economyCompetence today is a great example where you as advisers are taking time out to obtain a detailed understanding of the investment solution you recommend to your clients. Compare this to New Ireland or Irish Life that email you a commission structure and key features document and off you go
This gives the client an understanding that you are really interested in his situation and the person to make a difference in their financial lives.Actively listen means being wholly present for the client not trying to think how you are going to respond, how much your going to earn or you need to email someone on your return to the officeIt is clear that advisers need to develop a thorough understanding of the client’s goals and objective, specific issues, history and circumstances. Advisers are often too busy looking in their "tool box" for sales strategies to really listen to clients and take time to understand what they really want to achieve.
As part of this first meeting you need to determine the clients risk profile. It very important to get it right.
A key concept that you must ensure the client understands and accepts. If you do not creating real trouble for you at a later stage
I find the GoldCore risk definitions very useful in this regard.Engage client in the conversation. Well Mr Client this is the historical returns and the best and worst return years. How much capital are comfortable losing in anyone year.
An example of this a retire with ARF ensure that you have 2/3 years cash, maintain 7/8 years in bonds and the balance in the growth assets.This will allow the client maintain the strategy in periods of high volatility.
So how many of your clients called you up to sell their portfolios in 2002/2003 or in 2007 to 2009?It at times like this is where advisers can really add value , because people will make mistakes by selling low and buying high - and you're there as a professional to keep them from making those mistakes. Return 1.90% SD 15.75Get them to focus what they can control
NotesWe can provide this tools to you so you can generate your only analysis. Return 7% SD 16%
GoldCore Portfolio balanced portfolio returned 6.7% SD 6.96MSCI index performed 1.90%pa SD 15.75%
So when are the communication opportunities?Quarterly newsletters :GoldCore prepare a quarterly letter and you can white label and send it to your clientsSA : GoldCore prepare semi annual reports use this an opportunity to sit down with your clients
What is your value add?
Guaranteed return being misnomer or inaccurate name used in the fund management business. As we know from the recent crisis there is always risk with a counterpart that provides a guarantee even if it is a government Comprised of a derivative and a cash depositAviva launched a protected product with a AIB as the counterparty providing the guarantee
So how do we deal client that have been traumatised by the wall of fear, anger and regret that is perpetuated by media on a daily basis?Get the client to focus on what they control and dealing with the investment myths that have built up in recent years.
1.2. There is a global recovery in place and your client need to know about it. A point that many clients find hard to understand from the burnt out bunker if the irish market.Positioning: The starting point for their investment strategy is the global equity markets p63 of the matrix book3. Client is setting himself guaranteed loss of 1%pa. How about 5/10 years? Do a monte carlo projection illustrate how long their capital will last if they keep it in cash.
Irish clients have had a terrible investment experience sold products they did not understand and now counting the costThe changing regulatory environment is a real challenge for the industry but also an opportunity to help clients minimise the damage it can cause to their wealth
Find out what is important to them. What they trying to achieve? Show them that you are concerned interest and ready to helpWould you be interested in setting up an appointment to find out more?As your trusted adviser we are constantly looking for better ways to service you. We are now in a position to provide you access