Christopher Financial Group is an independent financial advisory firm located in Conshohocken, PA. The firm's president, Thomas Christopher, offers financial planning and investment management services. Securities are offered through Raymond James Financial Services. The document provides background on Christopher's qualifications and experience, as well as information about the services offered by the firm to help clients achieve their financial goals.
The document discusses financing your dreams through proper financial planning and investment. It emphasizes the importance of saving money on a regular basis to achieve financial goals like buying a house, education, and retirement. It also stresses the need to balance investments between protection, which guarantees returns but is lower risk, and growth, which has higher risk but potential for better returns. Finally, it highlights that financial planning should include protection from risks like premature death, disease, and disabilities to safeguard one's savings and investments.
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.
Traits that shows you are one of the successful entrepreneur | ken collisKen Collis
They originate from various geographic areas, childhoods, levels of pay and social classes, and in addition training levels. While there isn't a foolproof map to entrepreneurial greatness, one thing is consistent.
The document discusses Paul Jackson, a senior vice president and financial advisor at Morgan Stanley Smith Barney. It outlines his commitment to clients, focusing on guiding them to make well-informed financial decisions, helping them achieve their goals, and building long-lasting relationships. The document then introduces two registered associates, Tricia Komen and Nalini Ramesh, who assist advisors by providing administrative and operational support to clients.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
Wealth management involves managing investments for all types of investors to provide better returns and help achieve long-term financial goals such as buying a house, saving for a child's education, or retirement. While often associated with helping affluent individuals create wealth, wealth management in reality means growing one's money exponentially through any investor's investments over time.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
The document discusses financing your dreams through proper financial planning and investment. It emphasizes the importance of saving money on a regular basis to achieve financial goals like buying a house, education, and retirement. It also stresses the need to balance investments between protection, which guarantees returns but is lower risk, and growth, which has higher risk but potential for better returns. Finally, it highlights that financial planning should include protection from risks like premature death, disease, and disabilities to safeguard one's savings and investments.
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.
Traits that shows you are one of the successful entrepreneur | ken collisKen Collis
They originate from various geographic areas, childhoods, levels of pay and social classes, and in addition training levels. While there isn't a foolproof map to entrepreneurial greatness, one thing is consistent.
The document discusses Paul Jackson, a senior vice president and financial advisor at Morgan Stanley Smith Barney. It outlines his commitment to clients, focusing on guiding them to make well-informed financial decisions, helping them achieve their goals, and building long-lasting relationships. The document then introduces two registered associates, Tricia Komen and Nalini Ramesh, who assist advisors by providing administrative and operational support to clients.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Citi's Linda Descano and consumer advocate Elisabeth Leamy share advice for getting your personal finances in order.
Connect: Professional Women’s Network is online community with more than 440,000 members that discusses issues relevant to women and their success. The free LinkedIn group powered by Citi also features videos interviews with influential businesswomen, live Q&As with experts and slideshows with career advice. To learn more and join the conversation in the largest women's group on LinkedIn, visit http://www.linkedin.com/womenconnect.
Wealth management involves managing investments for all types of investors to provide better returns and help achieve long-term financial goals such as buying a house, saving for a child's education, or retirement. While often associated with helping affluent individuals create wealth, wealth management in reality means growing one's money exponentially through any investor's investments over time.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
1) The book provides 5 specific paths to wealth: entrepreneurship, working your way up in a company, becoming a professional, entering sales, or investing well.
2) Becoming wealthy is a matter of developing the right habits and mindsets, not luck, and taking consistent steps like the wealthy have done.
3) Small, consistent actions like saving $100 per month can make you a millionaire over the long run through compound interest. Guarding your integrity and becoming a "no limits" person are also emphasized.
The document discusses different perspectives on what constitutes entrepreneurship. It explores whether running a small business, inheriting a business, self-employment to earn a living or supplement income, or part-time ventures could be considered entrepreneurial. While there is no single definition, entrepreneurship generally involves taking risks to create value through new ideas or organizing efforts.
The Basics of Angel Investing through the eyes of a female angel investor and co-founder of Hera Fund, a female angel group funding female entrepreneurs. Angel investors look for coachability of an entrepreneur because they are writing personal checks from their personal capital, making calculated risks to diversify their portfolios. Venture funding stages and knowledge of what angels are looking for will prepare entrepreneurs for successful angel deals.
Financial coaching provides guidance to help people improve their financial situation and work towards their goals. A financial coach educates clients on topics like budgeting, debt management, retirement savings, and investments to develop a customized plan. They hold clients accountable but don't manage money directly. Coaching empowers clients to implement changes through education and accountability. Popular topics covered include emergency funds, budgeting, debt elimination, saving for goals like education and retirement, and insurance. Financial coaching may benefit those seeking help navigating personal finances and accelerating financial success.
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.
This document discusses the importance of creating five-year goals and plans for one's career. It notes that when young, it is easy to become distracted by daily events and lose focus on longer-term goals. Creating a five-year plan can help visualize and work towards future success. The document outlines different considerations for a five-year plan depending on where one is in their career - as a new investor, growing investor, or nearing retirement. It emphasizes the importance of stability and avoiding major losses as one nears retirement.
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.
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
The document provides guidance on developing an effective campaign budget and fundraising plan. It outlines five key rules for creating a realistic budget that reflects priorities and minimizes overhead. It also stresses the importance of breaking fundraising goals down into specific amounts to be raised from different circles of potential donors using various tools over time. Effective fundraising requires asking many people for money in different ways repeatedly. Planning is key, with goals for how much to raise, when it's needed, and who will do the fundraising.
The document describes the Altin Private Enhanced Reserve, a gold investment fund. The fund allocates 90% of assets to physical gold bullion stored in secure depositories. The remaining 10% is allocated to a managed options strategy on precious metals to generate additional returns to purchase more gold bullion. The fund aims to provide investors with institutional-quality gold exposure through a diversified portfolio approach.
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
This document provides an agenda and overview for a workshop on real estate investing held by Saunders Learning Group in Newton, KS. The workshop covers topics like home ownership, mortgage options, determining how much you can afford, and investing in real estate. It discusses current mortgage requirements and types of mortgages like fixed rate, adjustable rate, FHA and conventional loans. The workshop aims to help restore the American dream of home ownership by educating attendees on the new rules of real estate.
The document discusses pricing strategies and techniques for professionals. It introduces the 3D formula for pricing - design, determine, and demonstrate. It also covers the 4 P's of professional selling - promise, picture, proof, and pitch. The document provides an overview of different pricing models and strategies like cost-plus pricing, competitive pricing, and value-based pricing. It emphasizes understanding customer needs and creating value propositions to charge premium prices.
This document provides an introduction to investing for overseas Filipino workers. It discusses why investing is important for OFWs to make their money work for them rather than just saving. It outlines some prerequisites for investing like an emergency fund. It then describes some investment opportunities for OFWs, including mutual funds, stocks, insurance policies with investment components, and bank unit investment trust funds. It provides examples of popular mutual funds and companies to invest in. It emphasizes the importance of investing regularly and being willing to take some risks to achieve higher returns than just saving in a bank. The document is intended to give OFWs a basic overview of investing options.
This document provides an overview of life stage planning from UBS Financial Planning. It discusses understanding one's values and meaning of wealth. It outlines different types of capital - human, financial, and social. It also describes common life stages and events people may experience, and how financial planning can help align goals and wealth over one's lifetime. The document emphasizes getting advice from financial planners to plan for life events and their potential impacts on one's financial situation.
Financial planning involves more than just investment advice - it encompasses tax planning, estate planning, savings goals, and retirement planning. Investment advice focuses on structuring assets to meet financial goals but does not define the goals. When choosing an advisor, it is important to consider their compensation structure and level of control over assets, as advisors with discretionary authority act more as money managers while fee-based advisors take a broader planning perspective centered around client goals.
This document provides guidance on crafting a credible funding ask for an investor pitch. It emphasizes that teams must have a specific funding ask amount by the pitch stage. It discusses factors to consider like valuation methods, typical valuation ranges based on company stage, how much money is needed and for how long. The key is aligning the funding ask amount, valuation, and use of funds to support the company's growth plans and provide a clear path to high investor returns. Contact information is provided to discuss any questions.
The document introduces O'Dell, Winkfield, Roseman & Shipp (OWRS), a new financial firm formed by the collaboration of four individual firms. It provides brief biographies of the four managing partners - Kyle O'Dell, Kyle Winkfield, Joseph Roseman Jr., and Jeremy Shipp - highlighting their areas of expertise and experience in financial advising. The formation of OWRS aims to provide clients with additional resources and an optimal level of service by uniting the expertise of 20 financial advisors across the country.
This document provides an overview of entrepreneurship for cooperatives. It defines entrepreneurial mindset and discusses developing an entrepreneurial mindset through tools like leveraging your assets and aspirations, planning to adapt, building professional networks, and evaluating new product and service ideas. It also covers common drawbacks entrepreneurs face like risk of losing capital and high stress levels. The document concludes by defining cooperatives as people-centered enterprises owned and controlled by members to meet common economic and social needs through democratic management.
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
1) The document discusses considerations for when founders and startups should sell their company, including passion for the business, beliefs, economics, dilution risk, and the team.
2) It recommends founders think about potential acquirers early and maintain transparency with investors and employees about exit plans and valuations.
3) The decision to sell is based on relationships, emotions, and priorities rather than just economics, and founders should consider tactics like maintaining funding alternatives and allowing offers to create an auction.
The document repeatedly lists the same website address www.sirat-e-mustaqeem.com over multiple lines without any other text or context. It is unclear what the purpose or content of the document is from this address listing alone.
Anova digunakan untuk menganalisis perbedaan rata-rata antara tiga kelompok atau lebih. Dokumen menjelaskan syarat, teknik, dan langkah-langkah penggunaan anova, beserta contoh perhitungan untuk menguji perbedaan hasil belajar mahasiswa menggunakan tiga metode pengajaran berbeda.
1) The book provides 5 specific paths to wealth: entrepreneurship, working your way up in a company, becoming a professional, entering sales, or investing well.
2) Becoming wealthy is a matter of developing the right habits and mindsets, not luck, and taking consistent steps like the wealthy have done.
3) Small, consistent actions like saving $100 per month can make you a millionaire over the long run through compound interest. Guarding your integrity and becoming a "no limits" person are also emphasized.
The document discusses different perspectives on what constitutes entrepreneurship. It explores whether running a small business, inheriting a business, self-employment to earn a living or supplement income, or part-time ventures could be considered entrepreneurial. While there is no single definition, entrepreneurship generally involves taking risks to create value through new ideas or organizing efforts.
The Basics of Angel Investing through the eyes of a female angel investor and co-founder of Hera Fund, a female angel group funding female entrepreneurs. Angel investors look for coachability of an entrepreneur because they are writing personal checks from their personal capital, making calculated risks to diversify their portfolios. Venture funding stages and knowledge of what angels are looking for will prepare entrepreneurs for successful angel deals.
Financial coaching provides guidance to help people improve their financial situation and work towards their goals. A financial coach educates clients on topics like budgeting, debt management, retirement savings, and investments to develop a customized plan. They hold clients accountable but don't manage money directly. Coaching empowers clients to implement changes through education and accountability. Popular topics covered include emergency funds, budgeting, debt elimination, saving for goals like education and retirement, and insurance. Financial coaching may benefit those seeking help navigating personal finances and accelerating financial success.
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.
This document discusses the importance of creating five-year goals and plans for one's career. It notes that when young, it is easy to become distracted by daily events and lose focus on longer-term goals. Creating a five-year plan can help visualize and work towards future success. The document outlines different considerations for a five-year plan depending on where one is in their career - as a new investor, growing investor, or nearing retirement. It emphasizes the importance of stability and avoiding major losses as one nears retirement.
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.
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
The document provides guidance on developing an effective campaign budget and fundraising plan. It outlines five key rules for creating a realistic budget that reflects priorities and minimizes overhead. It also stresses the importance of breaking fundraising goals down into specific amounts to be raised from different circles of potential donors using various tools over time. Effective fundraising requires asking many people for money in different ways repeatedly. Planning is key, with goals for how much to raise, when it's needed, and who will do the fundraising.
The document describes the Altin Private Enhanced Reserve, a gold investment fund. The fund allocates 90% of assets to physical gold bullion stored in secure depositories. The remaining 10% is allocated to a managed options strategy on precious metals to generate additional returns to purchase more gold bullion. The fund aims to provide investors with institutional-quality gold exposure through a diversified portfolio approach.
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
This document provides an agenda and overview for a workshop on real estate investing held by Saunders Learning Group in Newton, KS. The workshop covers topics like home ownership, mortgage options, determining how much you can afford, and investing in real estate. It discusses current mortgage requirements and types of mortgages like fixed rate, adjustable rate, FHA and conventional loans. The workshop aims to help restore the American dream of home ownership by educating attendees on the new rules of real estate.
The document discusses pricing strategies and techniques for professionals. It introduces the 3D formula for pricing - design, determine, and demonstrate. It also covers the 4 P's of professional selling - promise, picture, proof, and pitch. The document provides an overview of different pricing models and strategies like cost-plus pricing, competitive pricing, and value-based pricing. It emphasizes understanding customer needs and creating value propositions to charge premium prices.
This document provides an introduction to investing for overseas Filipino workers. It discusses why investing is important for OFWs to make their money work for them rather than just saving. It outlines some prerequisites for investing like an emergency fund. It then describes some investment opportunities for OFWs, including mutual funds, stocks, insurance policies with investment components, and bank unit investment trust funds. It provides examples of popular mutual funds and companies to invest in. It emphasizes the importance of investing regularly and being willing to take some risks to achieve higher returns than just saving in a bank. The document is intended to give OFWs a basic overview of investing options.
This document provides an overview of life stage planning from UBS Financial Planning. It discusses understanding one's values and meaning of wealth. It outlines different types of capital - human, financial, and social. It also describes common life stages and events people may experience, and how financial planning can help align goals and wealth over one's lifetime. The document emphasizes getting advice from financial planners to plan for life events and their potential impacts on one's financial situation.
Financial planning involves more than just investment advice - it encompasses tax planning, estate planning, savings goals, and retirement planning. Investment advice focuses on structuring assets to meet financial goals but does not define the goals. When choosing an advisor, it is important to consider their compensation structure and level of control over assets, as advisors with discretionary authority act more as money managers while fee-based advisors take a broader planning perspective centered around client goals.
This document provides guidance on crafting a credible funding ask for an investor pitch. It emphasizes that teams must have a specific funding ask amount by the pitch stage. It discusses factors to consider like valuation methods, typical valuation ranges based on company stage, how much money is needed and for how long. The key is aligning the funding ask amount, valuation, and use of funds to support the company's growth plans and provide a clear path to high investor returns. Contact information is provided to discuss any questions.
The document introduces O'Dell, Winkfield, Roseman & Shipp (OWRS), a new financial firm formed by the collaboration of four individual firms. It provides brief biographies of the four managing partners - Kyle O'Dell, Kyle Winkfield, Joseph Roseman Jr., and Jeremy Shipp - highlighting their areas of expertise and experience in financial advising. The formation of OWRS aims to provide clients with additional resources and an optimal level of service by uniting the expertise of 20 financial advisors across the country.
This document provides an overview of entrepreneurship for cooperatives. It defines entrepreneurial mindset and discusses developing an entrepreneurial mindset through tools like leveraging your assets and aspirations, planning to adapt, building professional networks, and evaluating new product and service ideas. It also covers common drawbacks entrepreneurs face like risk of losing capital and high stress levels. The document concludes by defining cooperatives as people-centered enterprises owned and controlled by members to meet common economic and social needs through democratic management.
Brother and Sister Hopeful are struggling financially and in debt. The author provides principles to help them get out of debt and achieve financial independence. These include creating a family budget and financial goals, paying off debts, avoiding interest payments, keeping good financial records, and investing savings in low-risk assets once debts are paid off. The Hopefuls are advised to cut spending, pay down high-interest credit cards, and educate themselves on personal finance basics.
1) The document discusses considerations for when founders and startups should sell their company, including passion for the business, beliefs, economics, dilution risk, and the team.
2) It recommends founders think about potential acquirers early and maintain transparency with investors and employees about exit plans and valuations.
3) The decision to sell is based on relationships, emotions, and priorities rather than just economics, and founders should consider tactics like maintaining funding alternatives and allowing offers to create an auction.
The document repeatedly lists the same website address www.sirat-e-mustaqeem.com over multiple lines without any other text or context. It is unclear what the purpose or content of the document is from this address listing alone.
Anova digunakan untuk menganalisis perbedaan rata-rata antara tiga kelompok atau lebih. Dokumen menjelaskan syarat, teknik, dan langkah-langkah penggunaan anova, beserta contoh perhitungan untuk menguji perbedaan hasil belajar mahasiswa menggunakan tiga metode pengajaran berbeda.
1. Peradaban Mesir Kuno berkembang di sepanjang Sungai Nil yang subur. Masyarakat Mesir dibagi menjadi enam tingkatan dan kepercayaan mereka melibatkan banyak dewa seperti Amon-Ra.
2. Peradaban Mesopotamia berkembang di antara Sungai Tigris dan Efrat. Bangsa Sumeria memiliki tulisan paku dan ziggurat, sedangkan bangsa Babilonia dikenal dengan Kitab Hukum Hammurabi dan Taman Gantung Bab
Este documento describe un visor mágico que permite a los lectores colorear mentalmente las imágenes al observarlas detenidamente. Al concentrarse, los niños podrán usar su imaginación para añadir color a las figuras en blanco y negro del visor.
This company provides a wide range of web and mobile app development services including web solutions, mobile app design, enterprise solutions, e-commerce, big data, and UI/UX design. They have experience in industries such as education, e-commerce, financial services, energy, telecom, media, entertainment, and real estate. The company has delivered over 400 projects to 1200 customers, has offices in 6 countries, and 120+ professionals. Their mobile apps have been downloaded over 200 million times and they have over 12 years of experience in the industry.
Panda Adaptive Defense 360 is the first and only product in the market to combine in a single solution Endpoint Protection (EPP) and Endpoint Detection & Response (EDR) capabilities.
Do you want to get to know more about Adaptive Defense 360?
- Test a demo: http://bit.ly/21jl4Bi
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Cervical cancer is the leading cause of cancer in women in Africa. Infection with human papillomavirus (HPV) is the main risk factor for cervical cancer. Persistent HPV infection can cause chronic inflammation in the cervix through activation of inflammatory pathways. This review discusses research from the University of Cape Town that shows how the HPV virus activates inflammatory pathways like the cyclooxygenase (COX)-prostaglandin pathway in cervical cancer. This pathway promotes tumor progression by enhancing angiogenesis, immune cell recruitment, and tissue remodeling. Factors like seminal fluid can also increase inflammation in the cervix and modulate cancer risk.
The document introduces The Bridgeway Group, a wealth management firm. It provides an overview of the firm's services, which include investment consulting, portfolio management, relationship management, and advanced planning. It describes the firm's vision of helping clients make informed financial decisions and its wealth management process, which involves discovery meetings, investment planning, and regular progress meetings. It also discusses how the firm adds value through suitable asset allocation, low-cost solutions, portfolio rebalancing, behavioral coaching, and total return strategies. The firm's advisors are supported by Commonwealth Financial Network.
The document provides information about G.F.S. Brokerage Network and its owner Richard Guntner. It discusses the importance of having a financial plan and strategy for households and families, just as flights and voyages require plans. It describes the process of developing a financial strategy, which includes assessing a client's current financial situation, creating goals and wishes, and determining if those goals are achievable within the desired time frame. The strategy is then implemented and updated annually with help from other advisors. Thompson Financial Group is also introduced as providing complementary financial services and products through a team approach since 1889.
This document provides an overview of financial planning services to help clients achieve their goals. It discusses the importance of addressing financial comfort, retirement planning, taxes, family needs, education, and legacy building. It then outlines a comprehensive wealth advisory process that includes discovery of client goals, analysis of their financial situation, development of a customized plan, implementation with a team of experts, and ongoing monitoring. The goal is to help clients gain confidence and security in their financial future by staying disciplined and focused on long-term objectives, rather than being swayed by short-term emotions in the markets.
The document provides information about Endorphin Wealth Management, a financial planning firm that offers personalized wealth management services and strategies. They help clients achieve their financial goals at every stage of life, from starting out to retirement. Endorphin advisers get to know each client's unique situation and priorities to develop tailored investment and planning solutions. The firm aims to guide clients towards financial success and security now and in the future.
How To Know if Being a Financial Advisor is Right for YouBuzz Marketing Pros
The document discusses the career of a financial advisor and what it takes to succeed in that role. It outlines that financial advisors help people with investments, financial planning, and other money matters. It states that to be a financial advisor, it is important to be social and build client relationships through activities like seminars or referrals. A college degree in finance, accounting, business or related fields is typically preferred by employers. While licensing may be required depending on services provided, financial planning programs are available to meet educational needs. The career outlook is described as growing due to increasing demand for retirement and investment advice.
This document provides an overview of HawsGoodwin Investment Management's wealth management process and philosophy. It discusses the benefits of a disciplined, globally diversified approach that incorporates asset allocation, rebalancing, tax management strategies, and minimizing behavioral biases. The goal is to help clients preserve their lifestyle in changing markets by avoiding unnecessary risks and losses through an ongoing process of wealth planning, estate planning, investment planning, and portfolio monitoring.
The document advertises a career in financial planning, describing it as flexible, financially rewarding, and helping people achieve life goals. It notes there are over 17,500 certified financial planners in Canada and over 133,000 worldwide. The Financial Planning Standards Council is dedicated to developing standards for financial planning certification and licenses the CFP certification trademarks in Canada.
My Harvest Field, Inc. is a team of dedicated, experienced, and licensed financial professionals focused on wealth management and retirement planning. They represent a diverse cultural and business experience to best assist clients in planning for the future. As an independent agency, they have flexibility to work with various insurance brands to address specific client needs. Their mission is to help clients achieve goals and protect financial security through education and superior service.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the planning process, and how to choose a financial planner. Specifically, a financial plan can help organize your finances, set goals, and make better financial decisions. The process involves gathering information, setting goals, developing recommendations, and monitoring progress. When choosing a planner, the document recommends selecting a CFP professional who is held to high standards of education, experience, ethics and fiduciary responsibility.
This document provides a high-level overview of personal financial management from a faith-based perspective. It covers topics such as earning and acquiring wealth through providing valuable services, managing wealth through budgeting and saving, and passing on wealth through estate planning and wills. The document emphasizes that money should be viewed as a tool to be used responsibly rather than a master to be obsessed over. It also stresses the importance of credit history and budgeting to financial success.
10 reasons why you need a financial advisor for investment successSadique Neelgund
This document discusses 10 reasons why an investor needs a financial advisor for investment success. It uses everyday examples to illustrate how a financial advisor can help guide investors in the same way that a coach, mentor, teacher, friend or family doctor provides guidance. A financial advisor can help set goals and strategies, educate on different financial instruments, ensure decisions align with goals, and periodically review plans to account for changes - all with the investor's interests in mind. The overall message is that just as other professionals provide expertise, a financial advisor can help investors make well-informed financial decisions and achieve their objectives.
John Kendall of Independent Financial Advisers Lighthouse Financial Advice Limited provides financial advice to clients. He has 30 years of experience in large companies advising at board level. His financial planning process involves understanding a client's circumstances and goals, assessing their financial situation, developing recommendations, implementing plans, and providing regular reviews. He advises on areas like retirement planning, estate planning, business ownership, and taxation to help clients ensure they have sufficient funds.
Sean McGrath of Capital Wealth Management recommends a pragmatic and tactical investment strategy for 2014 that focuses on trend analysis of economic indicators and making monthly adjustments based on market conditions. He advises utilizing exchange-traded funds to add diversification and liquidity. McGrath also believes in learning from past successful investment strategies during periods of rising interest rates and market uncertainty.
If you are between 25- 45 yrs. of Age,Working & Serious about achieving success in your Financial Future, here are some guidelines.......... which can help you.
Paul Jackson is a senior vice president and financial advisor at Morgan Stanley Smith Barney who focuses on providing wealth management strategies to successful individuals, families, and businesses. His commitment is to make a meaningful difference in his clients' lives by guiding them to make well-informed financial decisions and help them achieve their goals. He works closely with clients to understand their needs and objectives, develop a comprehensive financial plan, implement appropriate strategies, and regularly review performance.
This document provides an introduction to Shafik Hirani's private wealth management practice. It summarizes his credentials, experience, approach to financial planning, and the services offered. The document emphasizes that Hirani takes a holistic approach focused on the client's goals and psychology of wealth rather than just products. It also outlines the typical financial planning process used by his practice.
The document is a marketing brochure for First Capital Financial Concepts, an integrated wealth management firm. It summarizes the firm's services as providing a holistic, client-centered approach to managing all aspects of a client's finances through coordination of their various advisors. The firm claims to optimize clients' wealth through strategies to reduce taxes, risks, and costs while increasing income and protecting assets. Clients work directly with a designated Capital Coach who serves as a single point of contact and provides comprehensive reporting on their entire financial situation.
RSA Financial Group is a financial advisory firm established in 1983 that helps both businesses and individuals achieve their financial goals through comprehensive financial planning and implementation. The firm believes in developing a deep understanding of each client's unique situation and goals to design customized strategies and solutions. It offers services including retirement planning, insurance, investment management, business succession planning, and charitable giving strategies.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of personal finance.
This document provides guidance on creating a personal financial plan. It discusses why financial planning is important, how to get started with the process, and how to choose a financial planner. Specifically, creating a financial plan helps set goals, make smart financial decisions, and feel secure about your long-term finances. The process of financial planning involves gathering your financial information, setting goals, developing recommendations, and monitoring your progress. When choosing a financial planner, it is best to select one with CFP certification who is held to high ethical standards and can consider all aspects of your unique financial situation.
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
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.
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.
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.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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.
1. Christopher Financial Group LLC
161 Washington Street, Suite 225
Conshohocken PA 19428
(610)897-2713
Thomas.Christohper@raymondjames.com
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
2. Disclaimer
This document is neither a solicitation nor an offering to sell securities of any kind.
On the contrary, this document is designed to acquaint you with the credentials, background and
beliefs of Thomas V Christopher and his team.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
3. WHAT CAN A FINANCIAL PLAN ACCOMPLISH?
An airplane cannot leave the runway without a flight plan; a ship cannot sail without a plotted
course—and a family cannot contemplate a successful financial journey, especially across more
than one generation, without a comprehensive financial, investment and estate plan. Our job—
indeed, our mission in life and business—is to help people make such a comprehensive plan, and
then guide them through the completion of that plan, year after year.
This process is always less complicated and easier than folks expect. We start by assessing:
Where you are: This means examining what you own, what you earn and what your
expenses are. This is information gathering. It doesn’t address where you’re going or how
you’re going to get there. But it does provide a clear and shared understanding of the very
first thing you have to know when starting any journey—exactly where you’re starting
from.
What you would do if you could: This objective is quite straightforward because it
usually focuses on very few threshold issues. What are your hopes and dreams? What
you would like to accomplish financially for yourself, and the people you care about? At
what age do you want to retire? What are you going to need to do or want to do for your
parents as they grow older? Do you want to provide for your children’s educational
needs?
With that information, we calculate—can we get there? We help you turn those resources, needs
and dreams into concrete financial goals by addressing such questions as:
1. What will things you want to do cost?
2. What’s the gap between where you are now and where you want to be? And how much
time do we have to close that gap?
3. Are you willing and able to commit to putting enough money away, and give those
monies a chance to earn a potential return, to close the gap in the allotted time?
If we find that we can reach your needs and dreams, you’ve already got the foundation and the
framework of a sound financial plan. If we find that we cannot fund all your needs and dreams in
the time we have, then we have to reexamine and consider putting some items on stand-by. There
will be decisions to make, but once the process has a clear destination, we will have laid out a
plan for your life’s goals.
We will work to insure the plan and its outcome against the risk such as disability, loss of life,
career changes, relocation and other life circumstance that affect us all.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
4. WHY WORK WITH A FINANCIAL ADVISOR?
A financial advisor can take a “big picture” view of your financial situation and make
financial planning recommendations that are appropriate for you no matter the market’s
current performance.
There are three primary reasons for having a financial
advisor: expertise, time and emotion. Smart, successful people hire
There are thousands of investment alternatives. The rules for coaches all the time. Tiger Woods,
investing are complicated. Just as you do not fill your own who is arguably the greatest golfer
cavities or perform your own physical exams, it makes sense ever, still works with a golf coach.
to have a seasoned professional help with your “financial He doesn’t say, “Oh, I know
physical.” everything there is to know about
golf, I’m done learning.” He uses a
Then there is the issue of time. Do you have the time to golf coach to keep getting better.
evaluate the investment alternatives? Study your portfolio to Academy Award-winning actress
see when investments should be changed? Helen Hunt still works with an
Finally, consider emotion. Countless studies have shown that acting coach. Some of the world’s
investors tend to buy high and sell low. As the markets heat most successful CEOs have
up, they hear about the gains their friends are making and business coaches. Because they
they invest…often just before a market top. They buy high. know that to achieve extraordinary
Then when the market drops, they panic and sell. They sell results you’ve got to keep learning,
low. A financial advisor helps you resist these financial and a good coach teaches you
mood swings and follow a disciplined plan. through honest feedback and
objective criticism; and can often
A financial advisor can help you find the appropriate see or anticipate things you cannot.
financial products for you.
David Bach,
While you may have started planning using financial software
packages, magazines or self-help books, we have the Smart Couples Finish Rich
expertise to help you evaluate your level of risk in your
portfolio and adjust your plan due to changing family
circumstances. What you’re paying for when you hire an
advisor is not information—you can get that from anywhere.
You’re paying for experience—the difference between
information and wisdom.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
5. Thomas V Christopher, CEP®, AWMA®, CRPC®
PERSONAL DETAILS
Full name Thomas V Christopher
Email Thomas.Christopher@raymondjames.com
Phone (610)897-2698
Address 161 Washington Street, Suite 225
Conshohocken, PA 19428
Website www.christopherfinancialgroup.com
FaceBook www.facebook.com/ChristopherFinancialGroupLLC
PERSONAL STATEMENT
Christopher Financial Group Founder and President Tom Christopher manages and coordinates
the financial affairs for a select group of families and business.
Thomas V Christopher CEP®, AWMA®, CRPC® is Founder/President of Christopher Financial
Group and a registered investment advisor representative with Raymond James Financial
Services. I am also the Founder and CEO of Tower Financial as well as a Branch Manager with
RJFS. I have been designing and implementing portfolios for over seventeen years.
Prior to forming Christopher Financial Group I was a Managing Director of Investments with
Wachovia Securities. I have been an active figure in the financial services industry for over
seventeen years during which time I have obtained the Certified Estate Planner (CEP®),
Accredited Wealth Management Advisor (AWMA®) and Chartered Retirement Planning
Counselor (CRPC®) designations.
I understand the multiple roles clients expect their advisors to play, I strive to provide the “360
degrees of financial coverage” clients desire.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
6. MISSION STATEMENT
As independent professional advisors, we can offer you a personalized financial strategy, not a
generic investment program. Your individual portfolio will be based on your unique situation,
your attitudes, preferences and goals. It will be designed to account for change, both in the
market and in your circumstances, so that it can work with you and for you at every stage of your
life.
Our approach to investing is straightforward: we focus on becoming your partner in building the
future you desire. As we work together, our advisors will thoroughly explain the investment
strategies recommended, so that you'll be fully comfortable with all aspects of your investment
program. Every decision we make will be focused on achieving the results you want. Our
mission is to help our clients achieve financial independence through professional advice, sound
risk management, quality investment products, and personal, efficient service.
EXPERIENCE
President 2009-NOW
Christopher Financial Group LLC
Investment Executive and Branch Manager RJFS
Managing Director Investments Wachovia Securities 1994-2009
EDUCATION
Certified Estate Planner 2010
National Institute of Certified Estate Planners, CEP®
Accredited Wealth Management Advisor 2007
College for Financial Planning AWMA®
Chartered Retirement Planning Counselor 2006
College for Financial Planning CRPC®
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
7. INDUSTRY HONORS
Raymond James Executive Council 2011, 2012, 2013
Executive Council is awarded to advisors for achieving production levels along with a
commitment to excellent customer service. (Membership is based mainly on assets under management,
education, credentials and fiscal year production. Requalification is required annually.)
Premier Advisor 2006, 2007, 2008, 2009
Premier Advisor Program- To qualify for the “Premier Advisors Program” at Wachovia
Securities, Financial Advisors must be in the firm’s top 15 percent of advisors and a commitment
to professional service. Requalification required annually.
CHRISTOPHER FINANCIAL AND RAYMOND JAMES
In July of 2009, Christopher Financial Group LLC was founded when Thomas V. Christopher
decided to start his own Family office style firm. We searched for an NASD (now FINRA)
broker/dealer that had their same philosophy of providing superior client service and putting
client’s needs first. We decided on Raymond James Financial Services Inc., a broker/dealer firm
specializing in working with independent financial planners. With help from our first-class team,
we are able to help clients turn financial goals and objectives into realities.
A key member of our team is our broker/dealer, Raymond James. You can read more about
Raymond James on their website at www.RaymondJames.com. The following is quoted from
their site.
All financial plans are not created equal. At Raymond James, each financial advisor has the
unique freedom to offer objective, unbiased advice. Which means everything we do is client
focused. Not transaction focused.
It all starts by taking the time to fully understand your personal circumstances, and then building
a one-on-one relationship. Your advisor can then meticulously tailor a long-term plan based
solely on your financial well-being and your specific goals. And as your needs evolve, your
advisor will monitor, manage and adapt your portfolio along with them.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
8. CHRISTOPHER FINANCIAL GROUP
Our Clients
Christopher Financial Group’s President Thomas V Christopher helps those who want their
money to work as hard as they do.
Typically, our clients are families, business owners or professionals, and what we call hard-
working Middle Americans.
We help investors with a wide range of investment needs, from clients investing $25 per month
in college accounts to investors with million dollar portfolios. Each gets individual
recommendations and attention because we know advice is personal. Many clients come to us
when they are retiring for help with their retirement plan choices. We have developed a specialty
in pension-distribution.
Our clients want help and advice in choosing the right investments and strategies for their
situation. Our clients want those investments monitored in accordance with their objectives and
goals. Our clients want to be updated and informed of new alternatives and changes in the
economy or tax laws.
Some of the ways we keep our clients informed are through monthly letters that can be sent by
mail, fax or email, semi-annual portfolio reviews and quarterly calls. We also host workshops
throughout the year as well as provide meetings for our client’s and their businesses or for
client’s employers. We offer some seminars that are open to the public and we are available as a
program speaker for clubs and organizations.
We work with clients who lead busy lives. Our job is to make sure their money enables them to
continue to do all the things they enjoy and to provide for current and future needs.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
9. CHRISTOPHER FINANCIAL GROUP TEAM MEMBERS
We believe very strongly that this
industry requires a team approach.
The information to absorb is
massive. Certainly, clients require
quick response to their questions
and problems. Only through a
dedicated team can the information
Thomas V Christopher CEP®, AWMA®, CRPC® be absorbed, appropriate
President/Branch Manager recommendations made and prompt,
efficient service given to you—the
Tom understands the multiple roles clients expect their client..
advisors to play. With experience and certifications in
personal banking, retirement planning and wealth
management, I strive to provide the "360 degrees of
financial coverage" clients desire.
For over 17 years, Thomas has helped individuals, families, and organizations plan and manage
their financial worlds to achieve their short and long term goals. Tom resides in Gladwyne, PA
with his wife and 10 year old son.
Sandra Ley- Service Associate
Sandra specializes in streamlining and improving existing programs and systems. With an
extensive background in problem solving and management, she will truly excel as the firms
Operations Manager.
She is a self motivated individual who possesses a strong work ethic with proven abilities in
administrative, organizational and technical support.
Richard Woodville - Relationship & Planning Associate
Richard joined Christopher Financial in 2012 and brings with him a depth of experience and
knowledge of the highest level. Richard holds has a BA in economics from the University of
Pennsylvania and an MBA from the Harvard Business School. Richards’s career started wtih
IBM in sales and marketing and most recently with UBS Financial and Wells Fargo Advisors.
Additionally Richard was an officer in the US Navy.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
10. REFERENCES
We can provide a list of folks, similar to you that we have assisted with their financial goals
These individuals have kindly consented to answer questions about the character and expertise of
Thomas V Christopher, CEP®, AWMA®, CRPC® and his company, Christopher Financial
Group LLC. The clients listed have not been selected on the basis of investment performance,
but rather on the basis of either the length of their client relationship, their reputation and
creditability or both. We do not know if the clients listed approve or disapprove of our services.
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC
11. OUR CORE BELIEFS
We believe the primary risk of life in the 21st century will not be market risk, but outliving
ones money.
Risk has changed, because life has changed. Our goal is to help our clients retire without
compromising lifestyle, or any real concern about outliving one’s income.
We believe that inflation is a long-term constant.
Inflation is a silent compounding tax. From 1950 through 2010, the cost of living increased every
year but one.1 Investments have to deliver an after tax return better than the cost of living. At
just an average annual inflation rate of 3% over the last 20 years $50,000 would need to grow to
$109,000 to provide the same standard of living.
We know that selling at the bottom and buying at the top is natural, that is why it is so
important to have an advisor.
Investors are emotional. These emotions can lead investors to freeze from fear at the bottom and
have greed become uncontrollable at the top.
We believe that there is a time to have your financial offense on the field and a time to have
your financial defense on the field.
Which is why we employ a Technical Trend based portfolio management style with an emphasis
on risk avoidance. (Please Request a copy of our white paper for full details)
Your Rights as a Client:
Courteous service
A trustworthy and competent financial advisor
Suitable recommendations
Timely transactions at the best available prices
Full disclosure of costs and risks
Clear communications
Comprehensive statements and trade confirmations
Prompt error and complaint resolution
Strict confidentiality
1
Bureau of Labor Statistics, ftp://ftp.bls.gov/pub/special.requests/cpi/cpiai.txt
Christopher Financial Group is an independent company. Securities offered through Raymond James Financial
Services Inc. member FINRA/SIPC