This document provides information about JoycePayne Partners, an independent financial planning and investment management firm. They aim to provide customized strategies and solutions to successful individuals, families, and institutions. Their mission is to deliver financial peace of mind through comprehensive financial planning, investment management, and other services. They take a holistic approach to understand each client's unique circumstances and goals.
At Crescendo Wealth Advisors, they regard investment management as both an art and a science. They build customized investment strategies for clients by first understanding each client's unique goals, risk tolerance, and financial situation. Their strategies utilize strategic asset allocation across different asset classes and securities in order to reduce risk and increase the likelihood of achieving the client's investment objectives. They distinguish themselves from other firms by being an independent, fee-based advisor without conflicts of interest from proprietary products or commissions.
Cargile Investment Management is a financial advisory firm based in Midland, Texas that offers Wall Street-caliber services with a personal approach. They use their expertise to help clients navigate complex financial decisions and manage their wealth. Cargile provides comprehensive investment advice, financial planning, insurance advice, and other services to help clients achieve their long-term goals. As an independent firm, they make recommendations based on their in-house research and knowledge of financial markets while keeping clients' best interests in mind.
Foresight provides bespoke financial planning solutions tailored to each client. They take time to understand clients and manage their finances professionally on an ongoing basis. Foresight uses a rigorous 6-stage financial planning process called The Quantum Programme to develop clear, innovative solutions for clients. They ensure clients' financial plans are monitored regularly and updated to meet changing needs.
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.
1) The document discusses a partnership between Infinity Financial Solutions and Bestinvest that provides investment management services to expat clients in Asia.
2) Infinity's role is financial planning - understanding clients' goals and risk tolerance. Bestinvest's role is professional investment management using research and portfolio management expertise to achieve returns.
3) Benefits of the partnership include access to award-winning management, diversification, risk options, dedicated research, currency options, performance monitoring, and relationship with the investment team.
Nimed Capital Limited is an investment banking firm established by experienced industry professionals. It provides investment management and advisory services, as well as corporate finance services. It manages funds for individuals, institutions, and pension funds. It also engages in corporate restructuring, financial restructuring, and capital raising. The company aims to generate superior risk-adjusted returns for clients and deliver innovative solutions to meet clients' financial needs. It is led by a team of professionals with extensive experience in banking, finance, and investment management.
Your Biz Your Life Transition And Liquidity Strat For Bsns Owners Mssbrbbrydges
The document discusses strategies for business owners to transition their business and ensure liquidity for their personal lives. It introduces the Capital Strategies Group which helps business owners develop plans to optimize the value of their business when it's sold, transition it to new generations, or sell portions of it while maintaining involvement. They work with wealth managers to develop comprehensive pre-sale planning and post-sale wealth management plans.
At Crescendo Wealth Advisors, they regard investment management as both an art and a science. They build customized investment strategies for clients by first understanding each client's unique goals, risk tolerance, and financial situation. Their strategies utilize strategic asset allocation across different asset classes and securities in order to reduce risk and increase the likelihood of achieving the client's investment objectives. They distinguish themselves from other firms by being an independent, fee-based advisor without conflicts of interest from proprietary products or commissions.
Cargile Investment Management is a financial advisory firm based in Midland, Texas that offers Wall Street-caliber services with a personal approach. They use their expertise to help clients navigate complex financial decisions and manage their wealth. Cargile provides comprehensive investment advice, financial planning, insurance advice, and other services to help clients achieve their long-term goals. As an independent firm, they make recommendations based on their in-house research and knowledge of financial markets while keeping clients' best interests in mind.
Foresight provides bespoke financial planning solutions tailored to each client. They take time to understand clients and manage their finances professionally on an ongoing basis. Foresight uses a rigorous 6-stage financial planning process called The Quantum Programme to develop clear, innovative solutions for clients. They ensure clients' financial plans are monitored regularly and updated to meet changing needs.
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.
1) The document discusses a partnership between Infinity Financial Solutions and Bestinvest that provides investment management services to expat clients in Asia.
2) Infinity's role is financial planning - understanding clients' goals and risk tolerance. Bestinvest's role is professional investment management using research and portfolio management expertise to achieve returns.
3) Benefits of the partnership include access to award-winning management, diversification, risk options, dedicated research, currency options, performance monitoring, and relationship with the investment team.
Nimed Capital Limited is an investment banking firm established by experienced industry professionals. It provides investment management and advisory services, as well as corporate finance services. It manages funds for individuals, institutions, and pension funds. It also engages in corporate restructuring, financial restructuring, and capital raising. The company aims to generate superior risk-adjusted returns for clients and deliver innovative solutions to meet clients' financial needs. It is led by a team of professionals with extensive experience in banking, finance, and investment management.
Your Biz Your Life Transition And Liquidity Strat For Bsns Owners Mssbrbbrydges
The document discusses strategies for business owners to transition their business and ensure liquidity for their personal lives. It introduces the Capital Strategies Group which helps business owners develop plans to optimize the value of their business when it's sold, transition it to new generations, or sell portions of it while maintaining involvement. They work with wealth managers to develop comprehensive pre-sale planning and post-sale wealth management plans.
ARDIZ Business Consulting specializes in providing strategic consulting services to help clients achieve growth. They work with businesses of all sizes across various industries. Their services include business planning, development, strategy, mentoring, sales, marketing, and technology. They have decades of experience working with clients globally to solve challenges and improve performance.
Belleair Wealth Strategies provides financial planning and investment management services. They use a team-based approach to understand clients' goals and design customized solutions. As part of Raymond James, they have access to extensive resources like research, asset management, and specialists in areas like retirement and business planning. Their process involves understanding the client, designing a plan, implementing it, and ongoing management. They aim to help clients achieve their goals through a commitment to the client's interests and the discipline of their process.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' varying risk tolerances and investment goals. Their active management approach aims to maximize returns while carefully managing downside risks.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Infinity Financial Solutions partners exclusively with Tilney Bestinvest to provide investment management services to clients in Asia. Tilney Bestinvest uses rigorous research and asset allocation to construct diversified portfolios across multiple asset classes that aim to achieve consistent, risk-adjusted returns. Infinity acts as clients' primary contact and works with clients to determine appropriate investment objectives and risk tolerance, then hands off portfolio management to the professional investment managers at Tilney Bestinvest. Infinity and Tilney Bestinvest provide regular updates and access to investment professionals to monitor clients' portfolios over time.
Business Consultancy Profile - Icon ConsultancyTamer El Gawish
Icon Consultancy is a Dubai-based management and investment consulting firm. It specializes in strategic planning, real estate consulting, risk management, accounting, and advisory services. The company aims to provide comprehensive solutions and expert advice to support businesses and analyze investment opportunities through rigorous analysis and industry expertise.
The document discusses developing an effective client value proposition (CVP). It explains that a CVP is a clear articulation of the value and outcomes clients experience by working with a business. It provides examples of value maps and value propositions that focus on outcomes for clients rather than what the business does. The document emphasizes that an effective CVP must be backed up by delivery of value through client experiences, and it discusses factors like branding, relationships, and consistency that determine value delivery. It stresses the importance of planning implementation to communicate the value proposition successfully.
The document provides details about Mohammad Wahid Abdullah Khan's experience as a consultant and business owner. It outlines his various roles including as a financial counselor, deputy managing director, founder of Wahid Consulting Group, CEO of Wak Business Support, and CEO of Warm Associates. The document describes the services offered by the companies he established such as accounting, auditing, marketing, human resources, and more. It provides an overview of his career progression and accomplishments in consulting and managing businesses over the past decade.
This document provides an investment strategy recommendation for a valued client. It introduces Mr. Donald T McNeill Jr. as the financial advisor presenting the recommendation. The recommendation involves collaboration between the client, their advisor, Brinker Capital, and various asset managers. The goal is to understand the client's objectives, allocate assets across different investment opportunities accordingly, monitor performance, and make adjustments when needed to continue meeting the client's goals.
Loyalty Consulting UK is a leading customer loyalty consulting firm in the UK financial services sector, headed by Mark Bergdahl and employing experienced consultants. The firm provides strategic consulting, operational support, and technology implementation services to help clients develop and optimize loyalty programs. Clients praise Loyalty Consulting UK for their expertise and contributions to designing successful global loyalty strategies and initiatives.
RIA Pitch Book - Artifex Advisor Services Frank Serebrin
Artifex Advisor Services provides investment management consulting services to help registered investment advisors improve their processes and operations. This includes back office solutions, process improvement strategies, employee development, and investment management. Artifex seeks to help firms eliminate waste, determine root causes of issues, and create efficient operations through their DMAIC process improvement methodology. They also provide strategic consulting to help firms with growth, marketing, succession planning, and more. Artifex offers twelve customized portfolio models with different risk profiles for clients.
The document summarizes the United States budget for NASA and discusses its impact. It outlines that NASA's budget was increased by $421 million for 2010 but the space exploration budget saw a cut of $212.3 million. It also discusses job losses at NASA centers with the retirement of the space shuttle and analyzes legislation passed to support science and technology programs.
The board was updated on a pilot study of an after-school sports program involving 181 students in grades 3-5 across two school districts. Students in intervention schools participated in organized skill-building activities in soccer, tennis, track and field or volleyball, while control schools had regular after-school programming. Results showed improvements in skills, fitness, and behavior for students in the intervention schools compared to controls. Parents also reported benefits like increased social skills, fitness, time spent with family, and involvement in their child's education.
This document provides an overview of characters and events in a multi-generational legacy family. It introduces siblings Ingwë and Lalaith who differ in personality, as well as their boisterous cousins. Later, Godric is born to Farnsworth and Archie and proves to be mischievous. Elendil has an accident with the dishwasher and dies. Godric grows into a charming but troublesome young man, while his cousin Gok is a well-behaved artist. The document follows the antics and development of multiple generations within the family.
Long term evaluation of IL programme slidesTina Hohmann
Results from a survey among IL workshop participants
after 6-24 months. Comparison with short term feedback. Using self-assesment methods
Presentation for IATUL 2014
Recycling provides 5 important benefits:
1) It conserves natural resources like land, oil, and minerals by making products from recycled materials instead of extracting new resources.
2) It saves energy since recycling aluminum, for example, takes 95% less energy than producing aluminum from bauxite ore.
3) It reduces air and water pollution compared to making products from raw materials.
4) It saves landfill space by keeping recyclable materials out of landfills and incinerators.
5) It creates more jobs and can be cheaper than trash disposal through landfills and incinerators.
This document provides an overview of FHA loan programs and how they can help borrowers in California's declining housing market. It outlines key features of FHA loans including lower down payment requirements, more flexible credit and debt-to-income ratios, ability to use co-signers and gifts for down payments, and financing for renovations. The summary describes how FHA loans provide alternatives for borrowers with imperfect credit, limited savings, or properties needing repairs by allowing lower credit scores, bank-owned properties, and no required reserves. It concludes by noting other FHA programs like streamlined refinances and reverse mortgages as well as cases where FHA may not be suitable like non-owner occupied homes or borrowers
PerformancePoint Server 2008 Project aimed to help organizations improve performance by creating dashboards to monitor, analyze, and plan using a single application. The project goals were to create dashboards showing company trends filtered by different options and see how key performance indicators could help organizations make better decisions. Sample MDX code is provided to filter labor costs by employee to analyze an individual employee's contribution across projects. Screenshots demonstrate sample KPIs in Excel and reports developed in Excel that were imported into a PerformancePoint dashboard deployed to SharePoint.
The document discusses WebQuests, which are inquiry-oriented activities that use online resources to promote student-centered learning. WebQuests enhance higher-order thinking skills and can be either short-term for knowledge acquisition or long-term for in-depth analysis. The key parts of a WebQuest include an introduction, task, process, evaluation, and conclusion. The document provides guidance on planning and creating a WebQuest, including choosing a topic, developing the various parts, and getting it published online.
Mubaloo is a smartphone application development company that develops apps for major platforms like iPhone, Android, and Blackberry; they provide strategic mobile consulting, creative marketing, and software development services to help businesses create apps for brand extension, extending intellectual property, generating profit, and engaging customers, suppliers, and employees. Mubaloo has experience developing a variety of app types including games, office tools, location-based services, and more, and prides itself on using agile development methodologies, project management practices, and app marketing capabilities.
Desertification is a major threat in Africa, particularly in the Sahel region just below the Sahara desert. It occurs when dryland areas are degraded due to factors like overgrazing, drought, and harmful agricultural practices. This causes a reduction in vegetation which can lead to increased desertification. As the land becomes desert and less fertile, it affects local populations through issues like migration, poverty, lack of food, and higher death rates. The Sahara desert is expanding southward by around 30 miles per year, worsening the problem. Unless patterns of degradation are reversed, Africa may only be able to feed 25% of its population by 2025 due to the impacts of desertification.
ARDIZ Business Consulting specializes in providing strategic consulting services to help clients achieve growth. They work with businesses of all sizes across various industries. Their services include business planning, development, strategy, mentoring, sales, marketing, and technology. They have decades of experience working with clients globally to solve challenges and improve performance.
Belleair Wealth Strategies provides financial planning and investment management services. They use a team-based approach to understand clients' goals and design customized solutions. As part of Raymond James, they have access to extensive resources like research, asset management, and specialists in areas like retirement and business planning. Their process involves understanding the client, designing a plan, implementing it, and ongoing management. They aim to help clients achieve their goals through a commitment to the client's interests and the discipline of their process.
Tilney Bestinvest provides award-winning investment management services and model portfolios for high net worth individuals. They have a dedicated research team that conducts in-depth analysis of funds and fund managers to select top investments. Working with Infinity Financial Solutions, Tilney Bestinvest offers both model and bespoke portfolio options to meet clients' varying risk tolerances and investment goals. Their active management approach aims to maximize returns while carefully managing downside risks.
The document summarizes the roles of Infinity Financial Solutions and Tilney Bestinvest in providing investment management services to clients. It states that Infinity acts as the financial planner, developing investment plans based on clients' goals and risk tolerance. Tilney Bestinvest then acts as the specialist investment manager, using research and expertise to select investments and manage the portfolios to achieve the objectives. The partnership is designed to provide clients with professional financial planning and investment management services.
Infinity Financial Solutions partners exclusively with Tilney Bestinvest to provide investment management services to clients in Asia. Tilney Bestinvest uses rigorous research and asset allocation to construct diversified portfolios across multiple asset classes that aim to achieve consistent, risk-adjusted returns. Infinity acts as clients' primary contact and works with clients to determine appropriate investment objectives and risk tolerance, then hands off portfolio management to the professional investment managers at Tilney Bestinvest. Infinity and Tilney Bestinvest provide regular updates and access to investment professionals to monitor clients' portfolios over time.
Business Consultancy Profile - Icon ConsultancyTamer El Gawish
Icon Consultancy is a Dubai-based management and investment consulting firm. It specializes in strategic planning, real estate consulting, risk management, accounting, and advisory services. The company aims to provide comprehensive solutions and expert advice to support businesses and analyze investment opportunities through rigorous analysis and industry expertise.
The document discusses developing an effective client value proposition (CVP). It explains that a CVP is a clear articulation of the value and outcomes clients experience by working with a business. It provides examples of value maps and value propositions that focus on outcomes for clients rather than what the business does. The document emphasizes that an effective CVP must be backed up by delivery of value through client experiences, and it discusses factors like branding, relationships, and consistency that determine value delivery. It stresses the importance of planning implementation to communicate the value proposition successfully.
The document provides details about Mohammad Wahid Abdullah Khan's experience as a consultant and business owner. It outlines his various roles including as a financial counselor, deputy managing director, founder of Wahid Consulting Group, CEO of Wak Business Support, and CEO of Warm Associates. The document describes the services offered by the companies he established such as accounting, auditing, marketing, human resources, and more. It provides an overview of his career progression and accomplishments in consulting and managing businesses over the past decade.
This document provides an investment strategy recommendation for a valued client. It introduces Mr. Donald T McNeill Jr. as the financial advisor presenting the recommendation. The recommendation involves collaboration between the client, their advisor, Brinker Capital, and various asset managers. The goal is to understand the client's objectives, allocate assets across different investment opportunities accordingly, monitor performance, and make adjustments when needed to continue meeting the client's goals.
Loyalty Consulting UK is a leading customer loyalty consulting firm in the UK financial services sector, headed by Mark Bergdahl and employing experienced consultants. The firm provides strategic consulting, operational support, and technology implementation services to help clients develop and optimize loyalty programs. Clients praise Loyalty Consulting UK for their expertise and contributions to designing successful global loyalty strategies and initiatives.
RIA Pitch Book - Artifex Advisor Services Frank Serebrin
Artifex Advisor Services provides investment management consulting services to help registered investment advisors improve their processes and operations. This includes back office solutions, process improvement strategies, employee development, and investment management. Artifex seeks to help firms eliminate waste, determine root causes of issues, and create efficient operations through their DMAIC process improvement methodology. They also provide strategic consulting to help firms with growth, marketing, succession planning, and more. Artifex offers twelve customized portfolio models with different risk profiles for clients.
The document summarizes the United States budget for NASA and discusses its impact. It outlines that NASA's budget was increased by $421 million for 2010 but the space exploration budget saw a cut of $212.3 million. It also discusses job losses at NASA centers with the retirement of the space shuttle and analyzes legislation passed to support science and technology programs.
The board was updated on a pilot study of an after-school sports program involving 181 students in grades 3-5 across two school districts. Students in intervention schools participated in organized skill-building activities in soccer, tennis, track and field or volleyball, while control schools had regular after-school programming. Results showed improvements in skills, fitness, and behavior for students in the intervention schools compared to controls. Parents also reported benefits like increased social skills, fitness, time spent with family, and involvement in their child's education.
This document provides an overview of characters and events in a multi-generational legacy family. It introduces siblings Ingwë and Lalaith who differ in personality, as well as their boisterous cousins. Later, Godric is born to Farnsworth and Archie and proves to be mischievous. Elendil has an accident with the dishwasher and dies. Godric grows into a charming but troublesome young man, while his cousin Gok is a well-behaved artist. The document follows the antics and development of multiple generations within the family.
Long term evaluation of IL programme slidesTina Hohmann
Results from a survey among IL workshop participants
after 6-24 months. Comparison with short term feedback. Using self-assesment methods
Presentation for IATUL 2014
Recycling provides 5 important benefits:
1) It conserves natural resources like land, oil, and minerals by making products from recycled materials instead of extracting new resources.
2) It saves energy since recycling aluminum, for example, takes 95% less energy than producing aluminum from bauxite ore.
3) It reduces air and water pollution compared to making products from raw materials.
4) It saves landfill space by keeping recyclable materials out of landfills and incinerators.
5) It creates more jobs and can be cheaper than trash disposal through landfills and incinerators.
This document provides an overview of FHA loan programs and how they can help borrowers in California's declining housing market. It outlines key features of FHA loans including lower down payment requirements, more flexible credit and debt-to-income ratios, ability to use co-signers and gifts for down payments, and financing for renovations. The summary describes how FHA loans provide alternatives for borrowers with imperfect credit, limited savings, or properties needing repairs by allowing lower credit scores, bank-owned properties, and no required reserves. It concludes by noting other FHA programs like streamlined refinances and reverse mortgages as well as cases where FHA may not be suitable like non-owner occupied homes or borrowers
PerformancePoint Server 2008 Project aimed to help organizations improve performance by creating dashboards to monitor, analyze, and plan using a single application. The project goals were to create dashboards showing company trends filtered by different options and see how key performance indicators could help organizations make better decisions. Sample MDX code is provided to filter labor costs by employee to analyze an individual employee's contribution across projects. Screenshots demonstrate sample KPIs in Excel and reports developed in Excel that were imported into a PerformancePoint dashboard deployed to SharePoint.
The document discusses WebQuests, which are inquiry-oriented activities that use online resources to promote student-centered learning. WebQuests enhance higher-order thinking skills and can be either short-term for knowledge acquisition or long-term for in-depth analysis. The key parts of a WebQuest include an introduction, task, process, evaluation, and conclusion. The document provides guidance on planning and creating a WebQuest, including choosing a topic, developing the various parts, and getting it published online.
Mubaloo is a smartphone application development company that develops apps for major platforms like iPhone, Android, and Blackberry; they provide strategic mobile consulting, creative marketing, and software development services to help businesses create apps for brand extension, extending intellectual property, generating profit, and engaging customers, suppliers, and employees. Mubaloo has experience developing a variety of app types including games, office tools, location-based services, and more, and prides itself on using agile development methodologies, project management practices, and app marketing capabilities.
Desertification is a major threat in Africa, particularly in the Sahel region just below the Sahara desert. It occurs when dryland areas are degraded due to factors like overgrazing, drought, and harmful agricultural practices. This causes a reduction in vegetation which can lead to increased desertification. As the land becomes desert and less fertile, it affects local populations through issues like migration, poverty, lack of food, and higher death rates. The Sahara desert is expanding southward by around 30 miles per year, worsening the problem. Unless patterns of degradation are reversed, Africa may only be able to feed 25% of its population by 2025 due to the impacts of desertification.
Apple have a reputation for making simple elegant products that "just work". But for developers, their iTunes App Store is full of FAILs. In this lightning talk, Matt Mayer of ReignDesigns describes some of the problems with the App Store and how to solve them.
United Board Recall & The Elephant In the RoomBuzz Aguirre
The document summarizes events occurring at United Mutual regarding the recall of four directors. Key points:
1) Four United Mutual directors face the first ever recall, allegedly initiated by Director Mike Curtis so he can control the board. However, the recall is actually due to the directors ignoring $5.4 million in incentive bonuses paid to PCM without board approval.
2) The directors facing recall do not want to disclose details of the incentive plan to owners and deny any wrongdoing. Mike Curtis wants transparency around how the bonuses were derived and whether there are other similar undisclosed expenses.
3) At a special United board meeting called to discuss the recall ballot, the board adjourned into closed session
Savant Capital Management is a fee-only wealth management firm that has been providing financial planning, investment management, and integrated wealth management services for over 25 years. They use a team approach to provide individualized attention and services to clients. Savant aims to help clients preserve their capital, pursue steady growth, maximize their assets, enhance their quality of life, and realize personal and financial goals. They take a fiduciary approach and put clients' interests first without conflicts of interest.
This document provides information about "Q" Renaissance Quality Consultants, a business management consultancy firm based in Dubai, Abu Dhabi, and Sharjah. The summary is:
"Q" Renaissance Quality Consultants specializes in designing and delivering complex business transformation programs. They help clients bridge the gap between strategic intent and effective operational delivery. Their expertise includes strategy development, organizational design, program setup and delivery, operational improvement, and ensuring technology effectiveness through total business integration and fit-for-purpose solutions.
At T2 Asset Management, we understand the unique challenges that come with managing investments. With more than 100 years of combined experience, we have served as a trusted partner of individuals, families, and institutions providing investment management guidance and solutions based on a thorough understanding of each client’s situation and goals.
We bring proven expertise to bear on every aspect of a client’s wealth—from accumulation and growth through preservation and distribution.
By taking an objective and proactive approach that reflects the nuances and complexities of each situation, we continue to build trusted relationships.
Asset Management Strategies' mission is to help clients manage wealth today and leave a legacy for tomorrow through strong investment strategies and relationships. Led by President Timothy Knapp for over 20 years, the firm provides wealth management services including trusts and guardianships. It takes an open architecture approach to best serve clients and offers planning for special needs, elder care, and legacies. The firm is committed to caring for clients and contributing to the community.
CreativeCap Advisors is a marketing and investor relations consultancy with extensive knowledge and expertise on the investment management industry. The firm works extensively with newly launched funds to more established managers in helping to solidify their market position and attract new capital. The breadth of service offerings is a testament to the firm’s 360° approach to marketing and investor relations. It is complimented by a dedicated team who are focused on bringing their clients’ business to the next level. The firm takes a holistic approach to reviewing each business and generates a cohesive strategy tailored to each specific client. Through our affiliate networks around the world, the firm excels at elevating and positioning each fund in becoming the most attractive to varying types of capital. CreativeCap Advisors at the core is a business designed to assist and integrate with investment management firms by working alongside C-level executives who are seeking to further expand their business.
Contact For More Information: Tyra Jeffries, Founder + CEO | tyra.jeffries@creativecapadvisors.com
This document describes a consulting, advisory and management solutions firm that provides services to small and medium enterprises and high net worth individuals. The firm has offices in Dubai, Nicosia, and Zurich and offers services including corporate finance, transaction support, company establishment, financial outsourcing, risk management, human capital solutions, and individual wealth and estate planning. The firm's clients are high net worth individuals whose wealth is often tied up in both corporate and private assets, and the firm takes a holistic approach to advising on both types of holdings.
The document discusses Canaccord Genuity Wealth Management's (CGWM) focus on providing a unique and bespoke client experience through their advisors. CGWM aims to attract entrepreneurial advisors who can create tailored solutions for unique clients. They are investing $60 million to grow their wealth management business and increase assets under administration from $10 billion to $15 billion in the next three years. CGWM positions itself as a forward-thinking, independent, and boutique investment management firm to differentiate in a changing industry.
Tax & Capital Management 360 is a financial planning firm that provides innovative, independent solutions for lasting success. They work with clients across the US to help manage investments, taxes, and finances through customized plans. Plans are designed using a comprehensive approach that combines prudent tax planning and investment management. The firm aims to help clients achieve lasting financial stability and success.
Wealth Management For Entrepreneurs (Client Journey)Robert Wilcocks
Wilcocks & Wilcocks provides wealth management services for entrepreneurs through their CLEARER program. The 7-step program includes clear thinking discovery, lifestyle financial planning, evidence based investing, allowance and tax planning, risk management, estate planning, and review. The goal is to help clients plan better, invest better, and live better by gaining clarity on their goals and situation, creating a financial plan, implementing optimized investments, managing risks, and ensuring assets pass smoothly to beneficiaries.
Emirates Chartered Accountants & Its Associate Professional Firms (Emirates Chartered Accountants Group) are ISO 9001-2008 Certified International Chartered Accountants Firms having its head quarters in Dubai. Blossomed and nurtured in the emerging Business Capital of the world, it flourished among the business sector from Small and medium sized companies to business conglomerate. The timely service complemented by the quality oriented attitude and customer centric approach together equates the firm as one of the proficient Accounting firms in Dubai.
The document summarizes the services of Concert Wealth Management, a registered investment advisory firm. It offers integrated financial planning and investment management solutions for high net worth individuals and families. As an independent financial advisor, it provides objective advice without ties to any single vendor. The firm consists of four companies that offer wealth management, business consulting, services for investment advisors, and institutional investment management. It focuses on helping clients achieve their financial goals through comprehensive planning and customized investment strategies.
The document provides information about the Chudom Hayes Wealth Management Group of Morgan Stanley Smith Barney. It introduces Kyle Chudom and Eric Hayes, the founding member and vice president. It describes the group's mission to help families manage their finances to focus on what brings them joy. It outlines their approach of developing financial plans, diversifying portfolios, maintaining objectivity, and minimizing costs and taxes. The document also highlights the benefits of working with an experienced team and the firm's resources to help clients achieve their goals.
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.
Zonaris Capital is a financial advisory and investment banking firm. Its mission is to be a premier one-stop solution provider for all financial needs, with a focus on client retention, exceeding expectations, and upholding best practices. It offers corporate fundraising, equity placement, and strategic advisory services. Zonaris aims to customize solutions for clients' needs through a team with extensive experience in investment banking, mergers and acquisitions, and debt and equity placement. The firm focuses on key sectors like infrastructure, power, real estate, and automotive.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. It discusses planning for retirement and wealth protection, and highlights Raymond James' resources and advantages, including their focus on individual investors, size and stability, and account protection. The presentation aims to determine if a relationship would be mutually beneficial.
The document introduces Wealth Guidance Group and Raymond James, outlining their commitment to clients, team, process, and capabilities. They aim to determine if a relationship would be mutually beneficial by understanding the client's needs and designing customized solutions using Raymond James' extensive resources and independent platform. Raymond James focuses on individual investors, has full resources as a large firm, and maintains a culture of independence to serve clients' best interests.
The document discusses wealth management and financial planning services provided by McKinley Carter Wealth Services. The services include comprehensive investment strategies, retirement planning, estate planning, banking/debt services, risk management, career/business consulting, and institutional investment/retirement plan services. McKinley Carter aims to help clients effectively manage their finances to achieve their goals and priorities in life.
Matthew Kallman is a financial advisor at Morgan Stanley Smith Barney whose mission is to help clients meet their personal financial goals through building long-term relationships and providing trusted advice. He conducts business ethically and puts clients' interests first. Kallman believes in asset allocation, diversification, minimizing risk and volatility, and allowing time in the market to achieve long-term returns. He works closely with clients to develop an investment strategy tailored to their individual needs and goals.
Positive Global is a leading procurement and finance consultancy firm in India that provides sourcing, trade finance, project financing, and other financial services. It has a network of experts and offices globally to source and finance projects internationally. The company aims to be a reputed one-stop solution for clients' financial and sourcing needs through establishing long-term relationships.
The document describes the pension and retirement plan consulting services offered by nwk group. They provide comprehensive services including assessing existing retirement plans, searching for new investment managers and plan providers, drafting investment policy statements, evaluating plan performance, and educating employees. Their goal is to help employers design and manage superior retirement benefits packages and help individuals manage their overall wealth and investments.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
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"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.
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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.
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.
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
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1. Extensive experience, objective advice
and creative thinking—all highly valued
for the confidence they bring
to the financial lives of our clients.
2. COMPREHENSIVE
FINANCIAL PLANNING
AND INVESTMENT
MANAGEMENT
SERVICES
JoycePayne Partners is an independent, fee-only firm providing comprehensive financial planning and investment management
services that serve the best interests of successful individuals and families.
Our mission is to provide innovative financial management strategies and solutions tailored to the unique circumstances of each
individual, family and institution we serve.
What sets us apart in our arena is as much attitude as it is aptitude. We work hard to function as a client’s Personal Chief Financial
Officer. We get to know our clients extremely well – their dreams and their challenges – so the services we provide are always
individualized and the solutions we recommend are always customized. We approach each new client introduction with the
expectation of forming a lifelong relationship.
Quite simply, we deliver financial peace of mind.
3. Our Clients
Our clients include business executives, mid-career
corporate managers, entrepreneurs, heirs, investment
managers, medical and university professionals,
financially independent retirees, as well as large
families with shared assets. They live close-by and
around the world. They come to us with a variety of
objectives—building and transferring wealth across
generations and to charity; enjoying a secure stream
of retirement income; solving complex tax and estate
planning issues; and selling their businesses and
investing the proceeds.
Experience tells us there are two shared characteristics
that make JoycePayne Partners a key ally of them all.
They value their time and want to save as much
of it as possible for personal priorities. And they are
serious about growing and protecting their financial,
intellectual, social and personal capital.
Experience also tells us the only way to discover if
there is a natural, mutually-beneficial connection
between a potential client and JoycePayne Partners
is to, at a minimum, have a conversation—
something we always welcome.
And we know that our clients demand the highest
level of competence. We have been perennially select-
ed as one of the Top 100 Wealth Advisors in the U.S.
by Worth Magazine and as one of the Top 100
Independent Financial Advisors by Barron’s.
4. Stewardship
To be of genuine worth to our clients, we must enjoy
the complete confidence of our clients. Trust forms
the foundation of our role as stewards—fiduciaries—
who give top priority to every area of our clients’
financial well-being and their overall interests. When
a client feels completely assured about our ability,
our honesty, our intelligence, our integrity, our
creativity, our experience, our confidence, our
passion – we have that client’s trust.
Core Values
The fundamental, albeit general, definition of
stewardship is “the careful and responsible The way we conduct our day-to-day business and,
management of resources.” Focusing in a bit, it is indeed, the very culture of our firm are mirror images
the personal responsibility for taking care of property of the professional qualities and ethics we value most.
or financial affairs.
Personalization: We look at a client and see the
Of course, understanding the intent of stewardship whole person, not just his or her financial picture.
is one thing, putting it into practice is another. That
is why we can never put enough emphasis on the Objectivity: We put the interests of our clients first,
fact that being a steadfast steward of our clients’ operating on a fee-only basis and accepting no
assets is a concept – a commitment – against which income from financial product sellers.
we vet every recommendation we make and every
action we take. Individual Excellence: Our employees drive the
success of our clients by following a simple mantra, “If
it’s worth doing, it’s worth doing exceptionally well.”
Responsiveness: We are a proactive firm. When we
recognize a need or discover an opportunity, we act –
not when it’s convenient, but right away.
Open Communication: We meet often with our
clients, communicate clearly, acknowledge our failings,
learn from our mistakes, and celebrate success.
Innovation: We are one financial services firm that
doesn’t hesitate to acknowledge creativity as a powerful
tool in both the development and implementation of
client solutions.
Trust and Integrity: These are the two “must have”
attributes that shape every belief we hold and inform
every decision we make.
5. Financial Strategy
The starting point is always the same – the clearly defined goal of the client. With our eyes squarely on that destination, we
build a cohesive financial strategy that combines a comprehensive financial plan and thoughtful investment management. As we
move toward the goal (guided by the strategy developed), designated action steps are implemented, tactical modifications are
made, and progress is methodically benchmarked.
Investment Philosophy
We manage clients’ investments by configuring their portfolio and maximizing returns within the context of individual risk
tolerance, tax status, time realities, wealth objectives, and unique circumstances – with an ever-vigil eye on the protection of
capital in all market conditions. We use carefully tailored stakes in traditional asset classes of stocks, bonds and cash, and
non-traditional investments. Our investments are guided by rigorous academic research, our own empirically sound research
and investment experience, and research from leading economists. Investment decisions are executed to limit tax liabilities
as well as managerial and transactional expenses.
Non-Traditional Investments
While “thinking outside the box” is in danger of becoming a cliché, it certainly continues to have merit as an investment
tactic. One alternative path we offer is participation in our non-traditional investment limited partnerships which pool funds
from clients and friends of the firm to invest in hedge, private equity, venture capital, mezzanine and distressed debt, and
managed futures funds. Our unique access to normally hard-to-access, non-traditional funds provides a link for our clients to
these institutional quality and scale investments. These investments lower portfolio risk via diversification, mitigate against
the effects of down markets, and provide opportunity to generate returns which add to wealth.
6. Services
Personal CFO
Why do we call ourselves a client’s Personal Chief Financial Officer and not a financial planner? Taken at face value, financial
planning suggests a somewhat limited scope and standardized services. Our take on financial services falls more into the
big-picture category of financial strategy.
Financial Planning
Our style is holistic – not only getting to know clients, but getting to know them completely. Well enough to actually be
part of their goal-setting process.
Strategic Planning
Managing unusually complex financial and business transactions is all in the strategy and built on true understanding
and unrestricted customization: from exercising employee stock options to diversifying concentrated stock positions;
from financing primary homes in the United States to purchasing second homes outside the country; and from negotiating
compensation and retirement packages to structuring recapitalizations and complete sales of companies.
Family Office Services
Families with substantial shared assets have tremendous opportunities to benefit their families and communities. At
the same time, they also face many challenges in making sure these benefits are used wisely in the lives of younger
generations, charities and family businesses.
Emerging Wealth
As success grows, so do financial resources. We have a special Emerging Wealth Program to advise corporate executives
on the fast track, entrepreneurs with rapidly growing business, and medical professionals early in their practices.
Institutional Retirement Plans
We work with many companies seeking corporate retirement plan investment and administrative management. Together
with the plan sponsor, we act as fiduciary for the 401(k) plans we manage. We simplify the investment process. We offer a
transparent fee structure. We are full-service providers in all aspects of the plan administration process.
Concierge Services
As innovative financial stewards, we help our clients make wise investments in all areas of their lives, such as primary and
secondary residences; office properties; automobiles and boats; checking accounts and financial training for younger
family members; and even college and graduate school admissions.
7. Our Team
Michael Joyce, CFA, CFP
Founder and President, Michael is responsible for the overall strategic direction of our clients and our firm.
Michael is good at what he does. He is routinely recognized as one of Barron s Top 100 Independent
Financial Advisors in America, as a Top 100 Wealth Advisor by Worth Magazine, and one of the Top 150
Advisors for Doctors by Medical Economics.
A Chartered Financial Analyst and Certified Financial Planner, Michael is Chairman Emeritus of the Board
of Directors of the National Association of Personal Financial Advisors (NAPFA), President of the NAPFA
Consumer Education Foundation, and a member of the Board of Directors of the Virginia Small Business
Financing Authority.
He holds a Bachelor of Science in Finance from The Pennsylvania State University and a Master of Business
Administration from Drexel University.
Jack E. Payne, CFA
Partner and Chief Investment Officer, Jack is responsible for investment research and management of
client investment portfolios and the development of comprehensive personalized financial strategies. He is
a Chartered Financial Analyst, a member of the Philadelphia Chapter of the CFA Institute and Rotary
International, and serves on the Boards of Directors of Youth Education in the Arts, the Community Music
School of Allentown, and the New Bethany Christian School.
He holds a Bachelor of Science in Finance from The Pennsylvania State University and a Master of
Business Administration in Finance and Entrepreneurship from the William Simon School of Business at
the University of Rochester.
RICHMOND: 804.358.2702 BETHLEHEM: 610.882.3882
joycepaynepartners.com
8. Richmond VA Office: Bethlehem PA Office:
9030 STONY POINT PARKWAY
JOYCEPAYNE 74 WEST BROAD STREET
SUITE 100
PARTNERS SUITE 320
RICHMOND VA 23235 BETHLEHEM PA 18018
joycepaynepartners.com
804.358.2702 610.882.3882
804.358.9436 FACSIMILE 610.882.9928 FACSIMILE
SEC Disclosure Statement
JoycePayne Partners (JPP) is a U.S. Securities and Exchange Commission Registered Investment Advisory firm. We do not render or offer to render personalized investment advice or financial
planning advice through this medium. This medium is limited to providing you with general information on our services and provides a way for you to contact us. Advice can only be rendered after
all of the following conditions are met:
1. Delivery of our Form ADV Part II to you.
2. Execution of an Investment Advisory and/or Financial Planning Engagement Letter between us.
3. Payment of the planning retainer fee or investment advisory retainer fee by you to JPP.
Other Disclosures:
The information in this brochure is based on data gathered from sources which we believe to be reliable. It is not guaranteed as to accuracy, does not purport to be complete and is not
intended as the primary basis for investment decisions. Additionally, it should not be construed as advice meeting the particular investment needs of any investor. All references made to
investment or portfolio performance are based on historical data; one should not assume that this performance will continue in the future.