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.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
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.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
This document provides an introduction to investing and key concepts like risk and return. It explains that balancing risk and return is important for achieving financial goals. While higher risk investments offer potential for greater returns, they also carry more uncertainty. The document advocates diversifying investments across different asset classes like stocks, bonds, property and cash to reduce risk. It provides data showing how various asset classes have performed over time, with higher risk assets generally providing higher average returns but also more variability in returns. The key is choosing an appropriate mix of assets based on an individual's risk tolerance and time horizon.
The document outlines 7 common mistakes that investors make: 1) Not having an investment plan, 2) Having too short of a time horizon, 3) Paying too much attention to financial media, 4) Not rebalancing a portfolio, 5) Having overconfidence in managers' abilities, 6) Not enough indexing of investments, and 7) Chasing past performance. The solutions proposed are to have an investment plan, focus on long-term goals rather than short-term fluctuations, ignore most financial news, regularly rebalance a portfolio, recognize that most managers underperform, index most investments, and stick to a plan rather than chasing trends.
This document provides information on active investment management strategies. It discusses how one financial advisor, Steve Miller, transitioned his practice over 20 years to focus on managing volatility and risk through active investment management. Miller works with third-party managers who use sophisticated strategies and constant market monitoring. The transition was gradual as Miller validated the effectiveness of active management, especially during market downturns. He works closely with clients to develop goals and specific risk profiles that the active strategies aim to address.
1) The document introduces John K. Bahr and his wealth management firm, which serves a limited number of clients through a personalized approach focused on communication, service, and education.
2) The firm provides a team of specialists to address clients' various financial needs, and offers services like charitable donations and investment management aimed at being trustworthy.
3) The document outlines common investor mistakes and emphasizes the importance of written goals, financial planning, and ongoing communication between clients and the firm.
The document discusses the importance of taking responsibility for one's financial future and security by committing to goals and taking action. It emphasizes that financial goals are not achieved by chance, but rather through discipline and following a process. The first step is to identify the most important goals and priorities, whether that be increasing income, minimizing taxes, or growing one's net worth, and then work towards them one at a time through a planned process rather than trying to solve all financial needs at once.
AES International is a multi-award winning international wealth management and employee benefits organisation.
Find out why you should join our movement: https://www.aesinternational.com/
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.
This document provides an overview of financial planning and investing. It explains that financial planning can help achieve life goals and outlines the importance of having a plan. It also discusses key investing concepts like risk, return, diversification and different asset classes. The document notes that financial advisers can help create suitable investment portfolios and administer them over the long term. Overall, the summary emphasizes that financial planning and investing are important for working towards financial goals at different life stages.
This document provides an introduction to investing and key concepts like risk and return. It explains that balancing risk and return is important for achieving financial goals. While higher risk investments offer potential for greater returns, they also carry more uncertainty. The document advocates diversifying investments across different asset classes like stocks, bonds, property and cash to reduce risk. It provides data showing how various asset classes have performed over time, with higher risk assets generally providing higher average returns but also more variability in returns. The key is choosing an appropriate mix of assets based on an individual's risk tolerance and time horizon.
The document outlines 7 common mistakes that investors make: 1) Not having an investment plan, 2) Having too short of a time horizon, 3) Paying too much attention to financial media, 4) Not rebalancing a portfolio, 5) Having overconfidence in managers' abilities, 6) Not enough indexing of investments, and 7) Chasing past performance. The solutions proposed are to have an investment plan, focus on long-term goals rather than short-term fluctuations, ignore most financial news, regularly rebalance a portfolio, recognize that most managers underperform, index most investments, and stick to a plan rather than chasing trends.
This document provides information on active investment management strategies. It discusses how one financial advisor, Steve Miller, transitioned his practice over 20 years to focus on managing volatility and risk through active investment management. Miller works with third-party managers who use sophisticated strategies and constant market monitoring. The transition was gradual as Miller validated the effectiveness of active management, especially during market downturns. He works closely with clients to develop goals and specific risk profiles that the active strategies aim to address.
1) The document introduces John K. Bahr and his wealth management firm, which serves a limited number of clients through a personalized approach focused on communication, service, and education.
2) The firm provides a team of specialists to address clients' various financial needs, and offers services like charitable donations and investment management aimed at being trustworthy.
3) The document outlines common investor mistakes and emphasizes the importance of written goals, financial planning, and ongoing communication between clients and the firm.
The document discusses the importance of taking responsibility for one's financial future and security by committing to goals and taking action. It emphasizes that financial goals are not achieved by chance, but rather through discipline and following a process. The first step is to identify the most important goals and priorities, whether that be increasing income, minimizing taxes, or growing one's net worth, and then work towards them one at a time through a planned process rather than trying to solve all financial needs at once.
Many aspects of investing are unpredictable and therefore uncontrollable. When and how much markets rise and fall are factors completely out of the hands of investors. However,
investors have the ability to control many aspects of investing which can lead to a better investment experience. The following questions and answers use data and reasoning to shed light on some key principles that may help improve your odds of
investment success in the long run.
If your company needs to submit a Financial Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2HwkAEs
LWM Consultants provides financial planning and investment management services with the objectives of maximizing returns while minimizing risk of loss. They employ a rigorous selection process to identify high-quality funds and asset managers and construct diversified portfolios. Key aspects of their investment philosophy and process include long-term holding periods, rebalancing annually to control risk, and ongoing monitoring of existing and potential assets. As of 2019, they managed over £127 million in assets across portfolios with varying risk profiles.
This document discusses various financial literacy topics including the time value of money, investing $3,000, brokerage firms, compound interest, stocks, bonds, mutual funds, exchange-traded funds (ETFs), stock market indexes, and initial public offerings (IPOs). It provides examples, questions, and explanations about these key concepts.
1. Determine your risk tolerance through a questionnaire to assess your willingness and ability to take risks.
2. Set a return objective of 6-8% annually over 10 years to beat inflation while balancing risk.
3. Choose an asset mix of 60% stocks, 30% bonds, and 10% gold based on risk tolerance and return goal.
Diversify globally across industries to reduce risk.
The Capabilities of Foley and Foley Wealth Strategieslukefields1
This document outlines the financial planning process of Foley & Foley Wealth Strategies. It discusses their mission to provide comprehensive financial advice to build, manage and preserve client wealth. Their approach involves a team-based analysis of all aspects of a client's financial life. Their objective is to accomplish their mission profitably while giving back to the community. The document then describes their three stage financial planning process of analysis, portfolio construction, and education/communication with clients.
This document describes an investment strategy called Biblical Faith Values Investing offered by Creative Financial Designs, Inc. The strategy aims to build diversified portfolios using mutual funds that screen out companies involved in activities inconsistent with biblical values, such as abortion, pornography, gambling, etc. It provides five portfolio models of varying risk levels. The strategy limits investment options but aims to match investors' portfolios with their beliefs and values. Returns are based on actual client account performance and are not guaranteed.
- The document discusses recent developments that have caused market volatility, including diverging central bank policies, the Chinese economic slowdown, and geopolitical tensions. It argues these factors have led investors to reassess risk and reconsider the implications of the Fed raising rates with limited central bank options remaining. It also suggests bond markets may see continued strength due to factors like large central bank bond holdings, pension demand for long-term bonds, and the Fed reinvesting maturing bonds back into the market.
If your company needs to submit a Investment Advice Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/39mhbnB
This document summarizes the key points from a presentation on creating a do-it-yourself investment strategy using low-cost index funds rather than paying high fees to investment advisors. It outlines setting realistic return targets based on an investor's goals and risk tolerance. It then discusses how to construct portfolios using broad asset classes like stocks, bonds, and real estate to achieve the targeted risk-return profile. Benchmarks are used to evaluate performance rather than relying on advisors who are unable to outperform the market on average. The presentation argues this approach allows investors to take ownership of their financial future rather than leaving it to salespeople.
Risk is a result or outcome which is other than what is / was expected. It is the amount of money that an investor can afford to lose in the interim, in his quest for certain return on investments. It is a state of uncertainty. Read more to find out how to access your risk appetite.
Financial planning involves building wealth for retirement through various strategies across one's lifetime. These include superannuation from age 30-60+, wealth creation such as shares and property from age 30-60+, transition to retirement from age 50+, and life insurance and estate planning from age 25+. Financial planning also considers an individual's goals, values, risk tolerance, taxes, and emotions to develop an optimal strategy for successful retirement and tax-effective wealth creation.
If your company needs to submit a Wealth Management Advisory Services Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/37gnhEr
The document discusses studies that have shown a high percentage of active fund managers underperforming benchmarks over periods of 1, 3, 5, and 10 years. However, it notes that simply looking at these statistics in isolation can be misleading, as funds have different time frames and start periods for outperforming benchmarks. Considering the effects of probability, it may not be reasonable to expect a high percentage of funds to outperform at any given time period. The document encourages further exploration of alternatives to passive funds rather than automatically ignoring active managers.
the choice of financial professionals
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Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
The document provides strategies for surviving financially through difficult economic times. It outlines 5 cash flow strategies, 5 investment strategies, and 3 retirement strategies. The cash flow strategies include tracking spending, distinguishing between necessities and luxuries, and having emergency savings. The investment strategies focus on patience, realistic expectations, avoiding emotional decisions. The retirement strategies suggest flexibility, continuing some work, and protecting savings from inflation. The overall goals are to develop strategies to weather economic challenges and make informed financial decisions.
The document provides advice on mutual fund investing from The Financial Literates website. It discusses choosing the right mutual funds by properly diversifying across market caps, fund houses, and types of funds. It emphasizes the importance of matching funds' stated objectives and risks to the investor's goals and risk tolerance. Past performance is not indicative of future returns, and funds should be evaluated based on long-term performance across market cycles.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
The document discusses how investors are strongly influenced by Morningstar fund ratings, preferring highly-rated 4-5 star funds. However, the ratings have little predictive power for future performance. The ratings act as a heuristic for investors but can lead to poor decisions due to anchoring bias, where the initial rating biases estimates of future performance. While intuitive, higher ratings do not necessarily mean better future returns. Understanding how the ratings can bias decisions may help improve investment choices.
The document discusses tax-friendly states for retirees. It notes that according to Kiplinger's, five of the top 10 most tax-friendly states for retirees are in the South, including South Carolina, Georgia, Alabama, Mississippi and Louisiana. It provides examples of low or no taxes on retirement income in Alabama and Pennsylvania. While it acknowledges taxes should not be the only factor in deciding where to retire, it maintains they are an important consideration.
Many aspects of investing are unpredictable and therefore uncontrollable. When and how much markets rise and fall are factors completely out of the hands of investors. However,
investors have the ability to control many aspects of investing which can lead to a better investment experience. The following questions and answers use data and reasoning to shed light on some key principles that may help improve your odds of
investment success in the long run.
If your company needs to submit a Financial Advisory Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/2HwkAEs
LWM Consultants provides financial planning and investment management services with the objectives of maximizing returns while minimizing risk of loss. They employ a rigorous selection process to identify high-quality funds and asset managers and construct diversified portfolios. Key aspects of their investment philosophy and process include long-term holding periods, rebalancing annually to control risk, and ongoing monitoring of existing and potential assets. As of 2019, they managed over £127 million in assets across portfolios with varying risk profiles.
This document discusses various financial literacy topics including the time value of money, investing $3,000, brokerage firms, compound interest, stocks, bonds, mutual funds, exchange-traded funds (ETFs), stock market indexes, and initial public offerings (IPOs). It provides examples, questions, and explanations about these key concepts.
1. Determine your risk tolerance through a questionnaire to assess your willingness and ability to take risks.
2. Set a return objective of 6-8% annually over 10 years to beat inflation while balancing risk.
3. Choose an asset mix of 60% stocks, 30% bonds, and 10% gold based on risk tolerance and return goal.
Diversify globally across industries to reduce risk.
The Capabilities of Foley and Foley Wealth Strategieslukefields1
This document outlines the financial planning process of Foley & Foley Wealth Strategies. It discusses their mission to provide comprehensive financial advice to build, manage and preserve client wealth. Their approach involves a team-based analysis of all aspects of a client's financial life. Their objective is to accomplish their mission profitably while giving back to the community. The document then describes their three stage financial planning process of analysis, portfolio construction, and education/communication with clients.
This document describes an investment strategy called Biblical Faith Values Investing offered by Creative Financial Designs, Inc. The strategy aims to build diversified portfolios using mutual funds that screen out companies involved in activities inconsistent with biblical values, such as abortion, pornography, gambling, etc. It provides five portfolio models of varying risk levels. The strategy limits investment options but aims to match investors' portfolios with their beliefs and values. Returns are based on actual client account performance and are not guaranteed.
- The document discusses recent developments that have caused market volatility, including diverging central bank policies, the Chinese economic slowdown, and geopolitical tensions. It argues these factors have led investors to reassess risk and reconsider the implications of the Fed raising rates with limited central bank options remaining. It also suggests bond markets may see continued strength due to factors like large central bank bond holdings, pension demand for long-term bonds, and the Fed reinvesting maturing bonds back into the market.
If your company needs to submit a Investment Advice Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/39mhbnB
This document summarizes the key points from a presentation on creating a do-it-yourself investment strategy using low-cost index funds rather than paying high fees to investment advisors. It outlines setting realistic return targets based on an investor's goals and risk tolerance. It then discusses how to construct portfolios using broad asset classes like stocks, bonds, and real estate to achieve the targeted risk-return profile. Benchmarks are used to evaluate performance rather than relying on advisors who are unable to outperform the market on average. The presentation argues this approach allows investors to take ownership of their financial future rather than leaving it to salespeople.
Risk is a result or outcome which is other than what is / was expected. It is the amount of money that an investor can afford to lose in the interim, in his quest for certain return on investments. It is a state of uncertainty. Read more to find out how to access your risk appetite.
Financial planning involves building wealth for retirement through various strategies across one's lifetime. These include superannuation from age 30-60+, wealth creation such as shares and property from age 30-60+, transition to retirement from age 50+, and life insurance and estate planning from age 25+. Financial planning also considers an individual's goals, values, risk tolerance, taxes, and emotions to develop an optimal strategy for successful retirement and tax-effective wealth creation.
If your company needs to submit a Wealth Management Advisory Services Proposal PowerPoint Presentation Slides look no further.Our researchers have analyzed thousands of proposals on this topic for effectiveness and conversion. Just download our template, add your company data and submit to your client for a positive response. http://bit.ly/37gnhEr
The document discusses studies that have shown a high percentage of active fund managers underperforming benchmarks over periods of 1, 3, 5, and 10 years. However, it notes that simply looking at these statistics in isolation can be misleading, as funds have different time frames and start periods for outperforming benchmarks. Considering the effects of probability, it may not be reasonable to expect a high percentage of funds to outperform at any given time period. The document encourages further exploration of alternatives to passive funds rather than automatically ignoring active managers.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
The document provides strategies for surviving financially through difficult economic times. It outlines 5 cash flow strategies, 5 investment strategies, and 3 retirement strategies. The cash flow strategies include tracking spending, distinguishing between necessities and luxuries, and having emergency savings. The investment strategies focus on patience, realistic expectations, avoiding emotional decisions. The retirement strategies suggest flexibility, continuing some work, and protecting savings from inflation. The overall goals are to develop strategies to weather economic challenges and make informed financial decisions.
The document provides advice on mutual fund investing from The Financial Literates website. It discusses choosing the right mutual funds by properly diversifying across market caps, fund houses, and types of funds. It emphasizes the importance of matching funds' stated objectives and risks to the investor's goals and risk tolerance. Past performance is not indicative of future returns, and funds should be evaluated based on long-term performance across market cycles.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
The document discusses how investors are strongly influenced by Morningstar fund ratings, preferring highly-rated 4-5 star funds. However, the ratings have little predictive power for future performance. The ratings act as a heuristic for investors but can lead to poor decisions due to anchoring bias, where the initial rating biases estimates of future performance. While intuitive, higher ratings do not necessarily mean better future returns. Understanding how the ratings can bias decisions may help improve investment choices.
The document discusses tax-friendly states for retirees. It notes that according to Kiplinger's, five of the top 10 most tax-friendly states for retirees are in the South, including South Carolina, Georgia, Alabama, Mississippi and Louisiana. It provides examples of low or no taxes on retirement income in Alabama and Pennsylvania. While it acknowledges taxes should not be the only factor in deciding where to retire, it maintains they are an important consideration.
Longevity tables in the past have been viewed and applied statically. But people age year by year so tables need a dynamic application ... example? You never reach your expected longevity age for your current age ... it is always older than you now are no matter how old you are.
1) Cost-of-living adjustments (COLAs) increase Social Security benefits each year to offset inflation. These adjustments affect both current and future benefits.
2) COLAs increase benefits by indexing past earnings to current wage levels and then applying the COLA percentage to the primary insurance amount (PIA) each year.
3) Delaying benefits results in substantially higher benefits due to avoiding reductions and getting larger annual COLA increases applied to a higher starting benefit amount.
This document discusses market equilibrium and how markets work. It contains the following key points:
1) Markets integrate the combined knowledge of all participants, with trading aggregating vast amounts of dispersed information into security prices.
2) People trust market pricing every day to provide an accurate estimate of current value for goods like fish or stocks. A stock's price reflects all known information about a company.
3) Few mutual funds survive and beat their benchmarks over 10-year periods, highlighting the difficulty of consistently outperforming the market.
4) It is better to let the market work for you by harnessing its collective knowledge, rather than trying to outwit it and compete with all other investors.
How much can you spend in your retirement? Answering this pivotal question requires you look hard at your current spending and how long you can expect to live – and at new approaches to using both factors in your plan.
When you co-sign a loan for someone else, you take on full responsibility for the debt if they default. Co-signers end up paying the loan 75% of the time when the primary borrower defaults. Co-signing is especially risky for student loans, as many graduates struggle financially and default rates are rising. While it's difficult, the best way to help someone is not by co-signing but by offering a cash gift instead to avoid potential damage to your own finances and credit over many years.
Humans are not naturally wired for disciplined investing and tend to make decisions based on emotions instead of reason. Many investors follow emotional cycles of optimism and fear that can lead them to make poor choices, especially during periods of market volatility. However, research shows that maintaining a long-term, disciplined investment strategy focused on diversification and ignoring attempts to time the market has been rewarded with strong returns. The key is focusing on the factors within an investor's control, such as their asset allocation and sticking to a thoughtful plan, rather than trying to predict unpredictable market movements.
The document analyzes stock market performance and correlations across different world markets from 2003-2012. It shows that returns varied widely between countries, with some like Norway and Austria achieving over 75% returns while others like Greece and Ireland saw declines of over 25%. The US market achieved average annual returns of 28.7% during this period. Charts also show that correlations between different regions were strongest between the US and other developed markets like Canada, the UK, and Europe, while Japan had a lower correlation to other markets.
There is a cost to indexing that most investors are unaware of. It is called “reconstitution.”
A blog post is scheduled for 8 Feb 2017 discussing this article.
http://wp.me/p2Oizj-Hh
Retirees often spend too much early in retirement and risk running out of money. While conventional wisdom says retirees spend 75% of what they did working, rising costs of healthcare, housing, education, and supporting family means retirees' expenses may not decrease as expected. Many also retire earlier than planned due to illness or because they can afford to. This misguided notion that spending will decrease leads to faulty retirement planning and savings. To better manage spending in retirement, people should realistically assess their spending habits and make plans to cut costs where possible through budgeting and spending less on unnecessary items.
Introduction To Financial Planning And Wealth AdviceFrank Agliotti
The document provides information about Wisdom for Wealth, a financial planning and wealth advice practice established in 2000. It discusses the benefits of financial planning such as maintaining capital and income, minimizing taxes, and achieving financial independence in retirement. It also outlines the investment management services provided, including developing personalized investment strategies, selecting reputable money managers, and taking a long-term diversified approach. Clients benefit from a team approach with their personal financial planner and support staff.
The document discusses risk profiling and determining a client's appropriate risk tolerance. It explains that risk profiling aims to identify the risk level required to meet investment objectives, risk capacity, and risk tolerance. It then outlines six risk profiles from conservative to very aggressive based on defensive vs growth asset allocations and time horizons. The final section provides 15 sample questions for financial advisors to ask clients to better understand their situation and needs to create tailored financial plans.
Diaz Invest's News Letter - September 2015Primson Diaz
News Letter Contents..
Say NO to emotions in Investing
Simple Approach to Investing
Fund Manager Interviews
Mutual Fund News & Performance Chart, etc…
More information
Please visit
www.diazinvest.com
Investing makes it possible for many of us to achieve important lifetime goals, such as retirement. That’s why we employ an investment approach based on almost nine decades of data, analysis and research, insights from behavioral finance and close relationships with leading academics. There are four key concepts which play a vital role in the construction and management of our portfolios. Together, they add up to a distinctive long-term, approach we call Asset Class, or evidence-based, Investing
Here at Financial Hospital we build a solid foundation for you to reach your desired destiny of financial stability through proper foundation and execution of financial planning as well as financial goals. As ever, we would like to be a part of your success. Since 2004, Financial Hospital has successfully serviced each and every client's from India or abroad. Be it Financial Planning, Tax advice or investment planning in equity, debt or alternate category; our team backed by strong research and latest economic trends, are always ready to serve our beloved investor's any queries or needs. Today, with the rich experience of our professional team comprise of CA's, MBA''s, CFP's and other technocrats, a thorough knowledge of the markets, strong leadership, innovative and focused research and having 7 office across India, Financial Hospital itself defines its value and success story.
Financial planning involves more than just retirement - it is about planning for financial needs at every stage of life. At Future Wealth Planners, financial advisers follow a six step process to develop personalized financial plans and strategies for clients and ensure their plans remain relevant as clients' needs change over time. The six steps include assessing a client's current situation, setting financial goals, identifying any issues, presenting a personalized financial plan, implementing the recommended strategies, and ongoing review meetings.
Lenox Advisors provides comprehensive wealth management services to help clients simplify their financial lives. They develop a personalized financial plan through a team of specialists covering areas like financial planning, asset allocation, insurance, estate planning, and more. The plan coordinates all aspects of a client's financial life to help protect and preserve their wealth while providing a single point of contact.
Our guide to wealth creation will help you manage your money the right way and plan for the life you want. We will help you create a strategy that will play a vital role in your financial future.
Our independent financial services firm strives to define our commitment to clients and the community through our actions, and we welcome the opportunity to elevate your financial strategies.
Asset class investing is a passive investment approach that focuses on allocating investments across broad asset classes rather than individual stocks or sectors. It draws on academic research showing that asset allocation has a great impact on returns, and that focusing on pre-defined asset classes can provide truer market returns than alternative strategies. The document discusses how asset class investing works to simplify the investment process for investors by focusing on large institutional funds designed for specific asset classes.
Greg Royce is the Founder and Chief Investment Officer of Maximus, a low-net exposure, long/short equity strategy focused on the Industrials and Materials sectors.
Greg Royce is the Founder and Chief Investment Officer of Maximus, a low-net exposure, long/short equity strategy focused on the Industrials and Materials sectors.
Greg Royce is the Founder and Chief Investment Officer of Maximus, a low-net exposure, long/short equity strategy focused on the Industrials and Materials sectors.
This document describes MASECO's RationalPortfolio approach to investing. It begins by explaining why their approach is different from more common approaches that promise market-beating returns or perfect timing of asset allocation shifts. MASECO's approach is based on empirical evidence and investment theory. They focus on minimizing costs, managing emotions, and keeping portfolio risk aligned through strategic rebalancing. The document then discusses how MASECO builds client portfolios using suitable asset classes and constructing a diversified "Return Engine" balanced by defensive assets. Key decisions in constructing the Return Engine include overseas diversification and including alternative assets classes.
Our approach to life-based Retirement Planning is very simple. We call it Design. Build. Protect. We design a plan built around your life. We help you clarify the plan and work towards achieving your goals allowing you to prioritize your family, worth and legacy.
Steve Redelsperger • Cadaret, Grant & Co., Inc.
- Risky business: How to create a better investor behavioral profile by Kellye Whitney
- October lives up to volatility reputation
- Creating tax-advantaged financial strategies (Gary Strawn, Transamerica Financial Advisors, Inc.)
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.
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.
Investing Rules You Should Never Break is a concise and practical guide that provides investors with essential principles for successful and sustainable investing. This e-book covers the fundamental rules that every investor should follow to avoid costly mistakes and achieve their financial goals.
The book offers insights and advice on how to create a diversified investment portfolio, manage risks, and maximize returns. It also includes strategies for managing emotions and avoiding common behavioral biases that can lead to poor investment decisions.
Investing Rules You Should Never Break is an excellent resource for both novice and experienced investors who want to improve their investment outcomes. The tips and strategies presented in this e-book are actionable and backed by research, making it a reliable guide for anyone seeking to invest wisely and profitably.
This document provides an overview of wealth management and different investment strategies and asset classes. It discusses wealth creation through disciplined investment approaches. It also covers reducing risk in a portfolio through diversification across different assets, sectors, geographic regions, and companies. The document then examines various asset classes like cash, bonds, equities, and property and how to build a diversified portfolio combining different assets.
Similar to Dedicated to-your-lifelong-success (20)
The Dynamic Implications of Sequence Risk on a Distribution Portfolio Journal...Better Financial Education
A practical method for advisers to measure exposure to sequence risk is through evaluation of the current probability of failure rate (which I've later renames as iteration failure rate to reflect measurement of the Monte Carlo simulation rather than the plan itself - two different things). This paper lead to a deeper investigation of failure rates thus leading to two subsequent papers discovering the three-dimensional nature of simulations over various time periods and allocations, as well as application of longevity to the simulation modeling.
Can You Pick The Next Winner?
Asset Class Performance 2002‐2021 of various global markets.
Pick any color in any earlier year and see what
happened in any later year. Bottom go up and top go down randomly.
*Note the 20 year results also
change asset class positions
over the years (don't predict
the future).
This document presents data on annual stock market returns in the US from 1926 to 2021. It shows that the market had positive returns in 75% of years, and the average annualized return was 10.2%. However, nearly two-thirds of yearly returns were at least 10 percentage points above or below the average. It also notes that more than two-thirds of down years were followed by up years, such as the 5% loss in 2018 followed by a 30.4% gain in 2019. The document concludes that investors who can withstand short-term volatility and maintain a long-term perspective tend to be rewarded in the stock market.
Prototype software example of aging model incorporating both portfolio and lo...Better Financial Education
This first appeared in blog post that describes the graphs in more details
https://blog.betterfinancialeducation.com/sustainable-retirement/what-are-the-three-paradigms-of-retirement-planning/
Prototype software example of aging model incorporating both portfolio and longevity percentile statistics along with consumer spending trend line of “Real People” (which is not based here on spending percentile statistics, but on research averages). Starting balance $500,000 with $36,000 Social Security. Two simple graphs by age answer many retiree questions about potential future spending and balances. Creates a whole different discussion. Also illustrates why age 95 is a poor reference for planning since it doesn’t plan or consider aging into future ages from the beginning of retirement.
Finding the parallels between flying a jet and helping people
develop financial plans may be difficult for the average person, but for Larry R. Frank Sr., the similarities between these two activities are crystal clear.
A question of equilibrium - can there be more buyers than sellers? Or more se...Better Financial Education
Have you ever wondered who is buying if so many people are selling?
The notion that sellers can outnumber buyers on
down days doesn’t make sense. What the newscasters should say, of course, is that prices adjusted lower because would-be buyers weren’t prepared to pay
the former price.
What happens in such a case is either the would-be sellers sit on their shares or prices quickly adjust to the point where supply and demand come into balance and transactions occur at a price that both buyers
and sellers find mutually beneficial. Economists refer
to this as equilibrium.
The Happiness Equation as it relates to investing is an interrelationship between your perceptions and expectations of investing and events. How do you manage happiness when you can't manage the markets?
A mistake many inexperienced sailors make is not having a plan at all. They embark without a clear sense of their destination. And once they do decide, they often find themselves lost at sea in the wrong boat
with inadequate provisions.
Destination, contingencies when trouble comes up, course corrections, bad weather and more can happen on the journey. How do you properly prepare for sailing is much the same as investing.
When setting expectations,
it’s helpful to see the range of outcomes experienced
by investors historically. For example, how often have
the stock market’s annual returns actually aligned with
its long-term average? Better yet, how often are the markets positive?
This document outlines a general plan to address various financial issues in three phases: retirement income, lost survivor income, and estate planning. It lists possible sources of income or solutions for each phase, such as pensions, social security, retirement savings, life insurance, and trusts. The plan emphasizes putting solutions in writing, reviewing them periodically, and deciding on a plan by considering available resources that can only be used once.
The world is risky. The future is uncertain. And many of the decisions we make can have a pro-found impact on our future welfare. Risk cannot be eliminated, but it can be managed.
Blog post for further perspective http://wp.me/p2Oizj-I8 (scheduled to post 17 May 17).
Robo-advisor portfolios may be well diversified, they also contain construction gaps that should not be present in well-constructed portfolios.
Post discussing this in broader context schedule for 3 May 2017 http://wp.me/p2Oizj-HV
Robo-advisor portfolios may be well diversified, they also contain construction gaps that should not be present in well-constructed portfolios.
Post discussing this in broader context schedule for 3 May 2017 http://wp.me/p2Oizj-HV
This paper essentially demonstrates to academics and the profession that the current method of computing retirement income essentially arrives at a single solution applicable only to today; it does not model the future as currently interpreted. Our paper contrasts the difference between a calculation and a "multi-cast" simulation model.
Our research summary paper is published in the Journal of Financial Planning, Nov 2016. A link to the paper is available here "Combining Stochastic Simulations and Actuarial Withdrawals into One Model." ( http://bit.ly/2eLBUq9 )
Our working paper documenting our research project won the CFP® Board Best Research Paper Award at the 2016 Academy of Financial Services ( http://academyfinancial.org/ ) annual conference through an academic panel using a blind review process. "Certainty of Lifestyle: Contrasting a Simulation Over a Fixed Period versus Multiple Period Models" ( http://bit.ly/2dWtuNz )
In early Nov 2016, two blogs will post going into more insights from the research: Just where does the fear of outliving our money come from? Part I with link to Part II. ( http://wp.me/p2Oizj-H2 )
There are a number of different methods of calculating investment return, depending on what you’re trying to measure. Perhaps the most basic is total return, which is simply an investment’s ending balance expressed as a percent of its beginning balance. Total return includes capital appreciation and income components; it assumes all income distributions are reinvested. To annualize total return, you’ll need to calculate the compound annual return, which generally requires using a financial calculator. It’s important to keep in mind that you need a greater percentage gain after a losing year in order to break even on your investment.
More discussion of this when blog posts 22 Feb 2017 http://wp.me/p2Oizj-Hk
The article discusses an alternative approach to experiencing the costs of index reconstitution, called “Asset Classes,” which allow the fund manager broader leeway as to when to buy or sell, along with a broader range of holdings. This discussion begins in the section called “Decision Two: Indexing or Asset Class Investing?”
The Asset Class approach, also referred to by others as "Factor Investing," is based on what has become to be called “Evidence Based Investing” due to roots discussed in the linked "Factor Investing" article, that come from academic (peer reviewed and repeatable results) foundation that continues to this day.
My blog post discussing this article is scheduled to post 8 Feb 2017 http://wp.me/p2Oizj-Hh
Most people look at the benefits they would receive today when making their decision about when to begin receiving their Social Security. They also underestimate how long they may live unless they already have medical issues that are known to reduce longevity.
These two impulses cause many couples to begin their benefits too early which has an adverse effect for survivor income. When one person dies, the lowest benefit “goes away” and the highest benefit “remains.”
The article below explains how that works with a couple and their Social Security benefits at various ages.
This brief slideshow discusses some elements necessary to recognize that our emotions and reactions to investing and markets often hurt results. Discipline and a focus on what you can control are important to success.
There is an investing approach that is based on discipline and evidence from research in both the finance and behavioral finance sciences.
Scheduled to post to Better Financial Education blog 11 Jan 2017 http://wp.me/p2Oizj-vH
Most people don’t know how their Social Security benefit is determined. Being unaware leads to this very common question – Will working longer increase, or decrease my Social Security benefit?
Working longer, even part time, will NOT reduce your benefit. And in some cases, may increase your benefit.
The blog post discussing this will appear 28 Dec 2016 http://wp.me/p2Oizj-GY
1. “Good fortune is what happens when
opportunity meets with planning”
—Thomas Edison
Dedicated to Your Lifelong Success
2.
3. How did our financial lives
become so complicated?
4.
5. Navigating Your Financial Future
Achieving financial comfort, planning for a secure retirement, mitigating taxes, taking care
of family, making sure children (or grandchildren) get an education, building a legacy...
For most Americans, these are extremely important issues.
But many of us feel unprepared and ill-equipped to deal with all of them in a coordinated,
knowledgeable way.
Many investors are frustrated, worried and uncertain where to turn. They have no idea how
to get from where they are today to where they want to be in the future.
For some, working with an experienced and trusted Independent Wealth Advisor may
be the answer.
We provide personalized financial solutions that take into account all aspects of your
financial life and offer guidance, clarity of thought, and expertise to help you gain
confidence in a more secure financial future.
Dedicated to Your Lifelong Success — 1
“The only question with wealth
is what you do with it”
— John D. Rockefeller
7. Dedicated to Your Lifetime Success — 3
How you manage emotions and stay focused can
have a significant impact on your financial future.
The Challenge of Emotion
8. We believe that investor emotions can play a major part in the success or failure of an investment
portfolio as well as the overall wealth plan. For most of us, money is bound up with powerful
emotions such as security, confidence and even, sometimes, fear. But the emotions of investing
can cause you to lose focus on important areas of your financial life, most of which have
absolutely nothing to do with the stock market.
We know that remaining patient and disciplined can be extremely difficult, especially when
stocks or other assets are soaring or plummeting. The way our brains are hard-wired can cause
us to make emotional decisions about our money at precisely the wrong moments.
As the Cycle of Market Emotions chart above illustrates, many investors tend to “buy high” and
“sell low.” Markets are sometimes prone to sharp and erratic movements, which can precipitate
panic and cause investors to sell at inopportune times. Conversely, during a strong bull market,
investors often rush into the market because they feel “elated” and buy at the peak.
Ultimately, this kind of emotional, short-term behavior can have detrimental consequences,
including dramatic portfolio underperformance.
Moving in and out of markets and asset classes can result in investors missing those relatively
small number of days when markets soar unexpectedly. It’s therefore vital that you stick to your
plan — especially during periods when the financial markets are behaving in extreme ways.
Staying Focused on What Really Matters
4 — Dedicated to Your Lifelong Success
OPTIMISTIC
EXCITED
ELATED
CONCERNED
NERVOUS
FRIGHTENED
RELIEVED
OPTIMISTIC
Greatest Potential Risk
Greatest Potential
Opportunity
“Time to buy”
“Time to re-evaluate”“Time to sell”
“This is only temporary
”
ALARMED
StayingFocusedonWhatReallyMatters
9. As the chart below shows, a 2013 study found that from 1993 – 2012, the average investor did
substantially worse than major indices.
According to this study, the average equity investor had annual returns of just 4.25%. Over the
same period, the S&P 500 returned an annual average of 8.21%. This “behavior gap” of 3.96%
(more than a 50%) experienced by the average investor reflects the cost of letting emotions guide
investing.
To put this in dollar terms, if you’d invested $100,000 in the S&P 500 over this period, it would
have been worth $484,560. However, if you’d invested like the average equity investor in this
study, you’d only have $229,890. The $254,669.79 difference between these two results is a dramatic
demonstration of the potential value of patience and discipline. Our prudent investment approach
can help you maintain your long-term goals without being derailed by emotional responses to
short-term market activity.
Beyond investing, we believe that almost every area of your financial life can benefit from a
disciplined, thoughtful approach.
Please note that the fact that buy-and-hold has been a successful strategy in the past does not guarantee
that it will continue to be successful in the future.
The Cost of Emotions
Average Investor vs. Major Indices 1993 - 2012
Dedicated to Your Lifelong Success — 5
Average stock investor and average bond investor performances were used from a DALBAR study, Quantitative Analysis of
InvestorBehavior(QAIB),03/2013.QAIBcalculatesinvestorreturnsasthechangeinassetsafterexcludingsales,redemptions,
andexchanges.Thismethodofcalculationcapturesrealizedandunrealizedcapitalgains,dividends,interest,tradingcosts,sales
charges, fees, expenses, and any other costs. After calculating investor returns in dollar terms (above), two percentages
are calculated:Total investor return rate for the period and annualized investor return rate.Total return rate is determined by
calculatingtheinvestorreturndollarsasapercentageofthenetofthesales,redemptions,andexchangesfortheperiod. Thefact
thatbuy-and-holdhasbeenasuccessfulstrategyinthepastdoesnotguaranteethatitwillcontinuetobesuccessfulinthefuture.
Average
Fixed Income
Investor
0.98%
Inflation
2.43%
Average
Equity Fund
Investor
4.25%
S&P 500
8.21% Barclays
Bond Index
6.34%
Equities Behavior Gap = 4.32% Fixed Income Behavior Gap = 5.56%
10. OurWealthAdvisoryProcess
In order to help you maximize your potential for success in all areas
of your financial life, we take a comprehensive approach.
We believe that the most important way we help you stay disciplined, focused and on track
is our comprehensive wealth advisory process. This process is designed to uncover your full
range of financial needs, from wealth creation to wealth protection to preserving your legacy
— and create a plan to help get you there.
6 — Dedicated to Your Lifelong Success
Analysis
Analyze Your Total Investment
& Wealth Situation
Monitoring
Monitor Your Plan &
Review Regularly
Implementation
Implement Plan With Your
Team of Other Professionals
Development
Develop Custom,
Comprehensive Solutions
Discovery
Your Unique Goals
& Objectives
The
Wealth
Solution
Your Wealth Advisory Process
11. Discovery
One of the most important components of any successful advisory relationship is truly under-
standing who you are as a person. With our Discovery Process we focus on what is most
important to you, both financially and personally. We will look at all the major aspects of your
financial life, including your specific values and goals as well as your time horizon, income
and liquidity needs and ability and willingness to take risk. Together, we will define your
personal definition of financial success and work with you to translate this into prioritized
goals. As part of this step, we will also make a “Mutual Commitment” to working together
and putting your plan in place.
Analysis
In order for us to thoroughly understand your situation, we will take a comprehensive
inventory of your current financial position, including strengths as well as any gaps
or weaknesses. We will also analyze the effectiveness, composition and expenses of
your existing portfolio. We will analyze specific items for action to make sure that
your goals and financial situation are aligned.
Development
Based on our analysis, we will develop a long-term wealth plan focused on getting you from
where you are today to where you want to be in the future. Through this process, we will
address any items that need clarification, and make alterations based on any additional
information. We think that an open, honest dialogue about your financial needs, beliefs,
expectations, and concerns is critical to any successful advisory relationship.
Implementation
The next step is the implementation of your plan. In addition to creating your investment
portfolio we will also work with a team of financial professionals to address all of the
non-investment action items we’ve identified. You will also receive an Investment Policy
Statement (IPS), which documents what we have agreed to and assigns responsibility
and accountability.
Monitoring
Your plan is never static. That’s why we’ll make our Discovery Process part of our ongoing
meetings, so that your plan always reflects your life. We will monitor your plan closely
and provide you with clear and concise reporting. In addition, as financial markets rise and fall,
your portfolio’s exposure to stocks, bonds, cash and other investments will tend to fluctuate
as well. Through periodic rebalancing we will make sure your portfolio maintains its target
allocations. This helps control the level of risk in your portfolio and minimizes emotional
decision making.
Dedicated to Your Lifelong Success — 7
12. Your Team of Experts
We’ve been reminded repeatedly in recent years that navigating financial markets is not an easy
task. Additionally, the intricacies of building a plan that takes into account investments, estate
planning, tax strategies, wealth protection and preservation and other components can make
coordinating your financial life a difficult job.
We take great care in assembling a team of financial professionals who will work in concert to make
sure all aspects of your financial life are being addressed.
In addition to our wealth advisory services, your team may include:
• Certified Public Accountant
• Estate Attorney
• Insurance Specialist
Depending on your needs we may bring in other experts and planning professionals, such as a
Valuation Specialist or a Charitable Giving Specialist, to address specific issues.
We will coordinate each professional’s individual expertise and incorporate their recommenda-
tions into your wealth plan as appropriate. We can also integrate any of your current financial
professionals into our team approach.
Having your own team of experts working closely together helps maximize the effectiveness of
your plan and makes sure it stays in synch, with every item properly addressed.
We take great care in assembling a team of
financial professionals who will work in
concert to make sure all aspects of your
financial life are being addressed.
8 — Dedicated to Your Lifelong Success
YourTeamofExperts
15. Addressing All Your Wealth Needs
In order to help you maximize your potential for success in all areas of your financial life, we
take a comprehensive approach.
As the chart on the left shows, these can include:
Wealth Enhancement
This process can be key to creating and maintaining your financial comfort. It can include:
• Managing resources and your portfolio
• Tax planning and tax efficiency issues
• Personal savings
• Simplifying your financial life
• Education funding
Wealth And Income Protection
We work to ensure that your wealth is protected against catastrophic losses, an extended
illness or disability and identity fraud. Business owners might also want to consider
strategies to protect their wealth and the value of their businesses.
Wealth Transfer
Proper estate planning is the most effective way to help ensure that you are able to provide for the
financial health and well-being of your family. It also can reduce or prevent much of the stress that
so often occurs when heirs attempt to sort out a family member’s estate.
Charitable Giving
We help you fulfill any philanthropic goals you might have and maximize the effectiveness
of your charitable legacy.
We are not a legal or tax advisor. The tax and legal information herein is general in nature and should not be considered legal or tax advice.
Consult an attorney or tax advisor for specific information on your individual situation.
AddressingALLYourWealthNeeds
Dedicated to Your Lifelong Success — 11
16. The Wealth Solution
With the many demands on your time and the complexities of the financial decisions you face, it
no longer makes sense to face life’s transitions without the kind of comprehensive wealth advisory
approach we provide.
• Process Driven Approach
Our distinct, comprehensive process helps us identify, understand, and create dynamic and
flexible long-term wealth solutions for our clients.
• Team of Experts
We understand that your investment portfolio is only one aspect of your whole financial
picture, which is why we work with a team of experts, to determine the most beneficial
course of action and strategy for all of your wealth needs.
• Managing the 3 Major Financial Risks
We help you plan for and control the 3 major risks investors must contend with:
– Investment Risk — we focus on the right portfolio allocation for your situation, with a
special emphasis on minimizing one of the great enemies of wealth — volatility.
– Behavior Risk — we are committed to being your financial “conscience,” so you don’t let
emotions compromise the integrity of your portfolio and financial future.
– Longevity Risk — with many Americans now spending three or more decades in retirement,
we help you plan for a long and comfortable retirement.
When you think about what you have achieved in life, one fact is illuminated: You and your
wealth can do an enormous amount of good for many, many people — not just yourself and
your family, but your community, even the world at large.
In the end, then, you have a responsibility to make smart decisions about your wealth so that it
can do as much good as possible. You owe it to yourself and to the people and organizations you
care about most to work with an independent Wealth Advisory firm, like ours, who can help you
do the job right.
WorkingTogether
12 — Dedicated to Your Lifelong Success
“Being rich is having money; being wealthy is having time.”
— Henry Ward Beecher
17.
18. Dedicated to Your Lifelong Success
LWI Financial Inc. (“Loring Ward”) is an investment adviser registered with the Securities and Exchange Commission.
Securities transactions may be offered through Loring Ward Securities Inc., member FINRA/SIPC. B 13-043 (Exp. 04/15)
19.
20. R A SECURE RETIREMENT • MITIGATING
TAXES • PROTECTING OUR LIFESTYLE
TAKING CARE OF FAMILY • BUILDING A
CY • ACHIEVING FINANCIAL COMFORT
PLANNING FOR A SECURE RETIREMENT
MITIGATING TAXES • PROTECTING OUR
LIFESTYLE • TAKING CARE OF FAMILY
LY • BUILDING A LEGACY • ACHIEVING
NANCIAL COMFORT • PLANNING FOR A
RE RETIREMENT • MITIGATING TAXES •
ECTING OUR LIFESTYLE • TAKING CARE
LY • BUILDING A LEGACY • ACHIEVING
FINANCIAL COMFORT • PLANNING FOR
URE RETIREMENT • MITIGATING TAXES
ECTING OUR LIFESTYLE • TAKING CARE
LY • BUILDING A LEGACY • ACHIEVING
NANCIAL COMFORT • PLANNING FOR A
RE RETIREMENT • MITIGATING TAXES •
PROTECTING OUR LIFESTYLE • TAKING
ARE OF FAMILY • BUILDING A LEGACY •