Financial Advisor Quotes

If we were not impressed by job titles, suits, and jargon, we would demand that financial advisors show us their personal bank statements before they tell us what we could or should do with our own money.

An unrenewed mind is a mind that lacks the knowledge of God’s Word. A lack of knowledge about the Word keeps us from maturing spiritually.

I take my investment advice from my dentist, because he’s just as likely to lose me money as a financial advisor.

But most important, it made me look as if I ate hidden heirlooms—and financial advisors—for breakfast.

Everything we will ever need for life and eternity has already been placed within our spirits.

God desires that we position ourselves to hear His voice so we can receive the Word that will change our lives forever.

Faith is a practical expression of the confidence we have in God and His Word, while trust is a practical expression of our commitment to God and His Word.

by the way, you’ll never hear them referred to as “brokers.” They are called registered representatives, financial advisors, wealth advisors, vice president of this, that, or the other thing.

By making the Word our final authority and making a quality decision to place our faith in God at all costs, we experience His best in every situation.

A sure indication of a lack of trust is frustration. In other words, whenever a situation robs us of our peace, we are not trusting God.

When you look into the mirror of the Word, you will see your true identity. It reveals your spiritual reality and shows you who you are at the core—within your spirit—so that you can make any necessary adjustments.

There is a correlation between how much we care about what others think of us and how much time, energy, and money we waste in a month.

The longer you work, the more money you’ll have for retirement. But the longer you work, the less time you’ll have to enjoy that retirement. — Wall Street Journal

There was the President's Chief Financial Advisor, who was standing in the middle of the room trying to balance the budget on top of his head, but it kept falling off.

It's Esmé Squalor!" an Elder cried. "She used to be the city's sixth most successful financial advisor, but now she works with Count Olaf!" "I heard the two of them are dating!" Mrs. Morrow said in horror. "We are dating!" Esmé cried in triumph. She climbed aboard Olaf's motorcycle and tossed her helmet to the ground, showing that she cared no more about motorcycle safety than she did about the welfare of crows.

Here are a few key guidelines to consider: Spend less than you earn—invest the surplus—avoid debt. Do simply this and you’ll wind up rich. Not just in money. Carrying debt is as appealing as being covered with leeches and has much the same effect. Take out your sharpest knife and start scraping the little bloodsuckers off. If your lifestyle matches—or god forbid exceeds—your income, you are no more than a gilded slave. Avoid fiscally irresponsible people. Never marry one or otherwise give him or her access to your money. Avoid investment advisors. Too many have only their own interests at heart. By the time you know enough to pick a good one, you know enough to handle your finances yourself. It’s your money and no one will care for it better than you. You own the things you own and they in turn own you. Money can buy many things, but nothing more valuable than your freedom. Life choices are not always about the money, but you should always be clear about the financial impact of the choices you make.

What is to be learned from this case scenario? Choose a financial advisor who is endorsed by an enlightened accountant and/or his clients with investment portfolios that in the long run outpace the market. If you don’t have an accountant, hire one. Another

Don't get so busy on your career that you forget to have a life. You CAN do both. You can make lots of money, become a millionaire AND enjoy time with family, friends AND be a great role-model as a parent. - Neil B Wood - The Best Practices of Successful Financial Advisors

The Saudis considered the petroleum under their soil a gift from God, but accessing its value laid within man’s capacity. Until the Saudis developed the capabilities themselves, they would simply import the human capital they needed to make that petroleum valuable. This meant importing Aramco to run the oil industry, IBI and, later, other companies to build modern cities and transportation, and even American financial advisors to create a modern banking system. The trick was to buy what they did not have from the outside, and then to make it their own.

The central control center of the soul is the mind. Therefore, the mind is the battlefield and will determine whether or not we have victory or defeat in our Christian lives. This is why the Bible instructs us to renew our minds with God’s Word. The Word keeps us in God’s perfect will for our lives.

Some things are good for our image but bad for our pockets.

The mismanagement of money makes many overpaid people seem underpaid.

The Chief of the Army was there, together with four other generals. There was the Chief of the Navy and the Chief of the Air Force and a sword swallower from Afghanistan, who was the President’s best friend. There was the President’s Chief Financial Advisor, who was standing in the middle of the room trying to balance the budget on top of his head, but it kept falling off.

Why aren’t you as wealthy as you should be? It may be because of the way you operate your household. Would a business, especially a very productive one, ever hire a key employee without doing a serious background check and an in-depth interview? No! Yet most people, even those with high incomes, hire financial advisors after obtaining little or no background information about these “employment candidates.” Some

Because I have developed my trust in God, I am no longer disturbed by irritating circumstances. Whenever they arise, I simply look to Him and say, “Lord, I trust you, and I know that everything will be just fine.

Robert Rubin, a former Secretary of the United States Treasury, one of those who sign their names on the banknote you just used to pay for coffee, collected more than $120 million in compensation from Citibank in the decade preceding the banking crash of 2008. When the bank, literally insolvent, was rescued by the taxpayer, he didn’t write any check—he invoked uncertainty as an excuse. Heads he wins, tails he shouts “Black Swan.” Nor did Rubin acknowledge that he transferred risk to taxpayers: Spanish grammar specialists, assistant schoolteachers, supervisors in tin can factories, vegetarian nutrition advisors, and clerks for assistant district attorneys were “stopping him out,” that is, taking his risks and paying for his losses. But the worst casualty has been free markets, as the public, already prone to hating financiers, started conflating free markets and higher order forms of corruption and cronyism, when in fact it is the exact opposite: it is government, not markets, that makes these things possible by the mechanisms of bailouts. It is not just bailouts: government interference in general tends to remove skin in the game.

One can even imagine that inflation tends to improve the relative position of the wealthiest individuals compared to the least wealthy, in that it enhances the importance of financial managers and intermediaries. A person with 10 or 50 million euros cannot afford the money managers that Harvard has but can nevertheless pay financial advisors and stockbrokers to mitigate the effects of inflation. By contrast, a person with only 10 or 50 thousand euros to invest will not be offered the same choices by her broker (if she has one): contacts with financial advisors are briefer, and many people in this category keep most of their savings in checking accounts that pay little or nothing and/or savings accounts that pay little more than the rate of inflation.

How long have you been a financial advisor? At least ten years is what you want to hear. Experience is an important factor. You want to know that the person giving you advice has been through good and bad economic times. What certificates, licenses, or accreditations do you have? Your advisor has got to be licensed to give you advice. Nobody, and I mean nobody, should be giving financial advice in any way, shape, or form if they have not taken the time to get the necessary credentials to give you that advice. At the very least, you want your advisor to have one if not more of the following certifications and licenses: ~ CERTIFIED FINANCIAL PLANNER™ (CFP®) ~ Chartered Financial Consultant (ChFC) ~ Personal Financial Specialist (PFS) ~ NAPFA-Registered Financial Advisor ~ Financial Planning Association (FPA) ~ A Series 7 license ~ A Series 6 license ~ Registered Investment Advisors License

It is not patriotic to admire foreign dictators. It is not patriotic to cultivate a relationship with Muammar Gaddafi; or to say that Bashar al-Assad and Vladimir Putin are superior leaders. It is not patriotic to call upon foreign leaders to intervene in American presidential elections. It is not patriotic to cite Russian propaganda at rallies. It is not patriotic to share an adviser with Russian oligarchs. It is not patriotic to appoint advisers with financial interests in Russian companies. It is not patriotic to appoint a National Security Advisor who likes to be called “General Misha,” nor to pardon him for his crimes. It is not patriotic when that pardoned official calls for martial law. It is not patriotic to refer to American soldiers as “losers” and “suckers.” It is not patriotic to take health care from families, nor to golf your way through a national epidemic in which half a million Americans die. It is not patriotic to try to sabotage an American election, nor to claim victory after defeat. It is not patriotic to try to end democracy.

Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

In the documentary program Passive Investing: The Evidence the Fund Management Industry Would Prefer You Not See, many of the world's top economists and financial academics voice the futility of buying actively managed funds. But as the title suggests, it's the program most financial advisors will never want you watching.

It is way less foolish to throw your money away than it is to use it to buy and then consume things such as cigarettes.

The thing to remember is that happiness has no past and no future. It is what it is right now. Experience it while you can. Happiness not enjoyed today can’t be saved for the future. It is lost forever.

In India, advisors may receive incentives as referral fees, commission, brokerage, etc. from various financial services organizations including banks. In

be prudent to get a declaration from the advisor that he does not receive any compensation from banks or other financial organizations for recommending you their products or services. The

Before hiring, evaluate the 5 Cs – Character (trust, ethics, integrity, independence), Capacity (education, experience, holistic perspective), Collateral (what you get in return), Conditions (scope of work, fees, confidentiality) and Capital (financial soundness of advisor).

We provide our clients with services they can count on. Our financial advisors can help you achieve financial independence.

Financial Advisor: “A Plan for Your Retirement” College Alumni Association: “Leave a Meaningful Legacy” Fine-Dining Restaurant: “A Meal Everybody Will Remember” Real Estate Agent: “The Home You’ve Dreamed About” Bookstore: “A Story to Get Lost In” Breakfast Bars: “A Healthy Start to Your Day

Financial advisors have a fiduciary duty to correctly document your age, income, savings, financial experience, and risk assessment. They are required not to match conservative investors with risky investments and to make their clients aware of the difference. This is the main point of contention on Broker-Dealer Sales Representative complaints for arbitration.

EASE ENDOWMENT What is the status quo and what aspects make it attractive? Are there hidden costs of sticking with it that people might not realize? Like financial advisor Gloria Barrett, how can you surface the costs of inaction? Like Cortés, or Sam Michaels in IT, how can you burn the ships to make it clear that going back isn’t a feasible option? Like Dominic Cummings and Brexit, can you frame new things as regaining a loss?

Advisors are only as good as the investments they recommend.

As a personal finance advisor, you will provide guidance on how to manage money more effectively. Take into account techniques such as budgeting, setting financial goals, diversifying investments, and understanding credit. Offer advice about building wealth over time and discuss the importance of creating a plan for achieving long-term financial security. My first request is “What should I do to improve my financial situation?

Singer Rihanna nearly went bankrupt after overspending and sued her financial advisor. The advisor responded: “Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money?

Finally, if you look at the wealth management business, you’ll find just about everyone chasing the same demographic segment: the high-net-worth individual. Not Edward Jones, one of the consistently most successful U.S. brokerage firms. For thirty years, it has focused on customers defined not by how much money they have, but on their attitude toward investing. Jones serves conservative investors who delegate financial decisions to a trusted advisor. In terms of the five forces, this customer segment has been less price sensitive and more loyal.

USING YOUR NEST EGG TO DELAY CLAIMING If you’re fortunate enough to have a nest egg and you want to retire, you can consider withdrawing more savings up front as a way to hold off starting your Social Security benefit. But does the strategy make sense? It well may, and there are some important things to keep in mind. Social Security benefits go up about 7 percent for each year they are not claimed between age 62 and your full retirement age. Wait longer and the reward grows even more: Benefits increase 8 percent annually for each year they are not claimed between full retirement age and 70. Are your financial resources adequate to support your lifestyle without Social Security, so you can delay claiming and lock in the income gains I just described? The issue can get complicated, and those interested may want to talk it over with a financial advisor. Among the considerations are the following: The tax bite: A portion of your Social Security benefit may be subject to income tax (though at least 15 percent is tax free for everyone). Withdrawals from (non-Roth) Individual Retirement Accounts will surely have tax implications. But some research has shown that withdrawing more up front may reduce the tax bite later. Check your situation with an expert. Family income: Is your spouse eligible for Social Security based on his or her work record? This increases your options. Just know that your total income may affect whether your Social Security benefits are subject to income tax, how much, and whether it makes sense to delay claiming. (See Chapter 13 for a discussion of income tax rules and Social Security, including provisional income.) Your investments: Consider reasonable rates of return, including your appetite for risk, in weighing the pros and cons of delaying a claim for Social Security. It’s extremely difficult to beat Social Security’s guaranteed returns. Finally, a note of caution (and common sense): If your nest egg is modest, the strategy of withdrawing savings to delay Social Security may be unwise, because it’s important to have a cushion. Be realistic when calculating how much of a cushion you need.

hated than Charlie. “Your dad didn’t get anything from my family. We had our own financial advisors.” Not that they’d done much good. Look at Charlie now. Understanding dawned in Jordan’s eyes. “You’re Charlotte Devereux.” “Charlie. Go get changed. We’ve got work to do.” Chapter 10 Charlie honestly didn’t know how she would’ve made it through her shift without Jordan. At best, it would’ve ended with everyone unhappy. At worst, Charlie would’ve taken Jordan’s place in prison. The younger woman didn’t say a lot, and obviously didn’t know much about bartending, but she was a hard worker and

If you’ve ever thought that it shouldn’t be so hard to examine your investment portfolio or hold your financial advisor accountable, you’re right. The system distorts your view of your money in the same way that a magician stacks the deck against the audience. It’s not evil or bad, but once you know how the magician does the illusion, you simply cannot be tricked so easily anymore. And once we all are in on the trick, the financial industry will need to improve, because the old, tired illusions won’t work anymore.

So a financial advisor can goad you into taking (or avoiding) an investment risk just by changing how he describes it. If he boots up some fancy software that says you have a 78% chance of meeting your retirement goals, that sounds great. But he can reframe the same result and strike fear into your heart by declaring that “22 out of 100 people with your strategy will end up eating cat food in the dark”—and the next thing you know, he has foisted a bunch of risky stocks onto you that you never wanted.

Historically, many investment groups have in practice outsourced much of the hard but dull, unglamorous work around corporate governance to a small club of consultancies known as “proxy advisors.” The biggest by far are Glass Lewis and Institutional Shareholder Services. Between them, they utterly dominate this niche industry, and are a quietly influential duo at the heart of the crossroads between the corporate and financial worlds. Glass Lewis attends more than 25,000 annual meetings across over 100 markets around the world every year. ISS brags that it covers about 44,000 meetings in 115 countries. Together, they advise thousands of investment groups with cumulatively tens of trillions of dollars’ worth of assets, and make millions of votes every year on their behalf. Many corporate executives resent the often formulaic approach of the proxy advisors, and see relying on them as an abdication of an investor’s responsibility. This is partly self-serving, as they dislike the proxy advisors’ views on compensation, for example. Yet there is an element of truth to it. Most investment groups don’t want the hassle of having to deal with many mundane issues across hundreds or even thousands of companies they own shares in. ISS’s and Glass Lewis’s raison d’être is to relieve them of this headache.

She then remembered the Merrill financial advisors telling her about a selling technique that she’d actually used herself called “Feel. Felt. Found.”… I can understand how you must feel…I felt exactly the same… I found if…

Don’t Retire, Rewire

Sometimes it’s important to work for that pot of gold. But other times it’s essential to take time off and to make sure that your most important decision in the day simply consists of choosing which color to slide down on the rainbow. — Douglas Pagels

Our financial, tax, and legal systems are set up to reward property owners

Real estate offers huge financial advantages to those who will learn the system.

Learned Optimism: Expecting a Positive Outcome In Learned Optimism, Martin Seligman provides information that has tremendous implications for teams that want to develop the persistence to achieve their business goals. Optimistic team members believe they will be successful and believe they are responsible for their success. Pessimistic team members do not believe they will be successful and believe that nothing they do will improve their results. For these reasons, optimistic team members are resilient and will persist when things get tough, while pessimistic team members give up. Seligman led a research team that demonstrated that optimism and helplessness are learned. His work suggests that when team members decide that nothing they do matters, they feel helpless and will do little to improve their situation. The good news that came from discovering that helplessness can be learned is the revelation that optimism can also be learned. Of particular importance is how team members explain setbacks to themselves. Optimistic team members explain setbacks as temporary, specific, and, where appropriate, externally caused. They do not view the event as long-lasting or permanent. They believe that the event is a temporary setback that can be corrected and refuse to consider it a catastrophe. For them, it is a single event with a specific negative impact. Finally, they only own the result if they should. Optimistic team members don't own the negative returns if the market goes down. Pessimistic team members are on the other end of the continuum. They explain setbacks as permanent, pervasive, and personal. They believe the negative setback is long-lasting. They globalize the setback and believe “all hell is breaking loose.” Pessimistic team members also believe that they are responsible for the setback even when they are not. To make matters worse, pessimistic team members tend to play the setback over and over again in their minds. Because we tend to move toward those things we think about, this ruminating can lead to a self-fulfilling prophecy. Teams reflect the attitudes of the individual team members. If team members explain setbacks as temporary, specific, and (where appropriate) externally caused, the team will be optimistic about their future success and will continue to persist. However, if as a group a team tends to explain setbacks as permanent, pervasive, and caused by the team members, the team will develop a pessimistic explanatory style and will quit, giving up on their goals. What seems to be of lesser importance in developing team persistence is how teams and their members explain successes to themselves. It is interesting that explanatory styles are completely turned around when they experience success. Optimistic teams explain the success as permanent, pervasive, and personally caused. Pessimistic teams explain successes as temporary, specific, and externally caused.

You were given three special gifts when you were born: the gifts of life, love, and laughter.

Collegiate Advisors, 8 year old business firm, successfully providing reputed & very useful services to their clients who further provide financial savings, future strategies and success to make, children and their parents, study.

Hannah tells me that you helped protect her from the Hispanics during the riot.” “The Hispanics? Oh, the protest, right.” “Call it what you like, son. This place was crawling with spics, and I am grateful that you took care of my only child.” “Well,” I shrugged. “I guess that’s what boyfriends do.” Spics?? “Only good boyfriends,” Hannah said, still tightly holding my left hand. I could never predict when she’d pour on the affection and when she’d act distant. Were all girlfriends this complicated? “I helped pass that law, you understand,” Mr. Walker said. “I’m an advisor to the senator, and it’s about time someone notable, someone of prestige, took a stand on the influx of hispanics into our once great city. The Hispanics were rioting because of that law, because they’re afraid of justice.” “Oh yeah?” I said. I knew nothing about politics or laws. But I had a feeling I disagreed with him. “But I’ll discontinue this tangent before I begin to preach,” he smiled. “Hannah is giving me the warning look.” “Thank you, Daddy,” Hannah said. “The spics destroyed your car,” he said. “Hannah informed me, and then I read the report in the newspaper.” “That was a good car,” I nodded. “I will miss it.” “Well, let me see what I can do to help,” he said. “I’m a financial consultant to many of our nation’s finest automobile manufacturers, including Mission Motorcycles. You have heard of them?” “I don’t know much about any cars. Or motorcycles,” I admitted. “Well, it just so happens, they owed me a favor and agreed to give me a short-term loan on one of their new electric bikes,” he said. And it was then that I realized we were standing beside a gleaming black, silver, and orange motorcycle. I hadn’t noticed before because our school parking lot always looks like a luxury car showcase, and I’d grown numb to the opulence. A sleek black helmet hung from each handle. Mr. Walker placed his palm on the seat and said, “This bike is yours. Until you get a new car.” “Wow,” I breathed. A motorcycle!! “Isn’t it sexy?” Hannah smiled. “It looks like it’s from the future.” “It does,” I agreed. “I’m almost afraid to touch it, like it’ll fly off. But sir, there’s no way…” “Please don’t be so ungrateful as to refuse, son. That’s low class, and that’s not the Walkers. You are in elite company. Dating my daughter has advantages, as I’m sure she’s told you. You just keep performing on the football field.” “Oh…right,” I said. “I’m gratified I can help,” Mr. Walker said and shook my hand again. “I’m expecting big things from you. Don’t let me down. It’s electric, so you’ll need to charge it at night. Fill out the paperwork in the storage compartment and return them signed to Hannah tomorrow. If you wreck it, I’ll have you drowned off Long Beach. I wish I could stay, but I’m late for a meeting with the Board of Supervisors. Hannah, tell your mother I’ll be out late,” he said and got into the back seat of a black sedan that whisked him away.

a Scottish proverb advises, “Be happy while you are alive because you are a long time dead.

The problem with this argument is that it can be hard to find a true expert who does not have a conflict of interest. It is illogical to think that someone who is not sophisticated enough to choose a good portfolio for her retirement saving will somehow be sophisticated about searching for a financial advisor, mortgage broker, or real estate agent.

Jill buys an index mutual fund that tracks the overall stock market, never touching her money and earning the same return as the overall stock market. Average Joe "tinkers" with his portfolio, purchasing some mutual funds through his financial advisor and investing in stocks whenever he gets a particularly juicy tip from his neighbor. Joe earns the same return as the average investor in the stock market.

For some companies and investors, it’s all a bit of financial fun. Castle Partners, L.P., a pooled investment vehicle registered in Delaware, bought properties through its Oregon affiliate Castle Advisors using several companies with variations on the name COTD, an apparent play on the seafood menu phrase “Catch Of The Day.” One real estate developer held property in a company called Boondoggle LLC. Another bought six houses with My Financial Workout.

The fact is that the financial advisor must find ways to distinguish himself not just during the initial sales process, but equally importantly on an ongoing basis to keep his clients from going elsewhere.

A dearth of fiduciaries willing to place client interests foremost forces individuals to take responsibility for their investment portfolios. In the profit-motivated world of Wall Street, fiduciary responsibility takes a backseat to self-interest. What benefits the stockbroker (commissions), the mutual fund manager (large pools of assets), and the financial advisor (high fees) injures the investor. When profit motive meets fiduciary responsibility, profits win and investors lose. Understand

To give you an example of a referral process template in a more general sense, let’s look at a fictional financial advisor using the S.O.N.A.R. process a concept adapted from the book How to Get Your Competition Fired by Randy Schwantz. The process follows five steps as you speak with an existing client and keys off the Contrast Principle, with a focus on positioning that encourages the client to suggest they refer you to a friend, rather than you asking for a referral.

Direct-sold retail funds can be great for investors, but sometimes they can work against the fund companies that market them. Throughout the recent bear market, advisor-sold funds did a better job in retaining their assets because financial advisors were able to prevent clients from selling in a panic. A little handholding goes a long way in convincing clients to ride out the turbulent markets.

Title: Opening Development: The Job of market research consultant in india In the consistently developing scene of business in India, remaining in front of the opposition requires a profound comprehension of market elements, customer conduct, and arising patterns. This is where statistical surveying specialists assume a significant part. With their ability in information examination, industry bits of knowledge, and vital direction, statistical surveying experts enable organizations to pursue educated choices and explore the intricacies regarding the Indian market. In this article, we dig into the meaning of market research consultant in india and how they drive development and advancement. Exploring Different Business sectors: India is a place that is known for variety, where every district has its own exceptional social, financial, and social elements. Statistical surveying advisors have the aptitude to explore through these assorted business sectors, giving important experiences customized to explicit areas. Whether it's comprehension shopper inclinations in metropolitan communities like Mumbai and Delhi or taking advantage of the thriving business sectors of Level 2 and Level 3 urban areas, statistical surveying advisors offer limited systems that reverberate with the interest group. Uncovering Customer Bits of knowledge: Purchaser conduct is continually developing, affected by elements, for example, financial changes, mechanical progressions, and social movements. Statistical surveying experts utilize a scope of philosophies, including overviews, center gatherings, and information examination, to reveal well established customer experiences. By figuring out the requirements, goals, and trouble spots of the objective segment, organizations can tailor their items, administrations, and promoting methodologies to resound with buyers on a significant level. Recognizing Arising Patterns: In the present quick moving business climate, keeping up to date with arising patterns is vital for keeping an upper hand. Statistical surveying advisors have practical experience in pattern examination, observing business sector developments, contender exercises, and mechanical advancements. By distinguishing arising patterns from the beginning, organizations can gain by new open doors and turn their systems in like manner. Whether it's the ascent of online business, the reception of reasonable practices, or the developing interest for computerized arrangements, market research consultant in india give priceless prescience to direct business choices. Relieving Dangers: Each undertaking involves a specific level of hazard, whether it's entering another market, sending off another item, or extending tasks. Statistical surveying specialists direct careful gamble evaluations, recognizing possible entanglements and moderating elements that could influence business achievement. Through thorough market examination, contender benchmarking, and situation arranging, statistical surveying specialists empower organizations to go with informed risk-the executives choices, limiting vulnerabilities and boosting open doors for development. Driving Advancement: Development is the soul of business achievement, powering development, separation, and supportability. Statistical surveying experts cultivate a culture of development by uncovering neglected needs, distinguishing market holes, and investigating undiscovered open doors. By utilizing market knowledge and shopper experiences, organizations can improve items, administrations, and plans of action that reverberate with the advancing requirements of the market. Whether it's creating state of the art advancements, troublesome plans of action, or advancement showcasing methodologies, statistical surveying experts engage organizations to remain in front of the development bend. All in all, statistical surveying experts assume a basic part in opening development and deve

Financial advisors and other pundits tend to support the approach they feel most comfortable with or are otherwise licensed or incentivized to provide, with little consideration for what may be best for any given individual.

Financial planning will never go out of style since everyone wants to safeguard their future, and there are many ways to achieve it. You can invest your money on your own, or you can work with an expert like David Snavely. Do-it-yourself financial planning choices are abundant these days. You must learn how to survive in retirement on Social Security, a pension, or a lifetime of savings through an employer-sponsored retirement plan. For older adults who are nearing retirement, extending the life of their money is their top concern. Financial advisors with the necessary credentials

The service of financial planning is not one-size-fits-all, says David Snavely. A customer may lose money using a style or method that works for one. For each customer, a financial advisor must create a unique plan. If your adviser lacks these qualities, it might be time to move on. These qualities can be very beneficial to you.

When we think about retirement, a lot of things come to our minds. We need proper planning For a relaxed post-retirement life. All the working people know the importance of financial planning for retirement. However, a financial advisor like David Snavely can offer advice that can make your retirement planning more safe.

David Snavely is a highly respected investment advisor with over 40 years of experience in retirement planning and financial strategy. David specializes in helping clients secure their financial futures through personalized investment solutions, including Equity Index Annuities.

If rebalancing seems a little intimidating, the good news is this work can be done for you automatically by the right fiduciary advisor.

Understanding Financial Risks and Companies Mitigate them? Financial risks are the possible threats, losses and debts corporations face during setting up policies and seeking new business opportunities. Financial risks lead to negative implications for the corporations that can lead to loss of financial assets, liabilities and capital. Mitigation of risks and their avoidance in the early stages of product deployment, strategy-planning and other vital phases is top-priority for financial advisors and managers. Here's how to mitigate risks in financial corporates:- ● Keeping track of Business Operations Evaluating existing business operations in the corporations will provide a holistic view of the movement of cash-flows, utilisation of financial assets, and avoiding debts and losses. ● Stocking up Emergency Funds Just as families maintain an emergency fund for dealing with uncertainties, the same goes for large corporates. Coping with uncertainty such as the ongoing pandemic is a valuable lesson that has taught businesses to maintain emergency funds to avoid economic lapses. ● Taking Data-Backed Decisions Senior financial advisors and managers must take well-reformed decisions backed by data insights. Data-based technologies such as data analytics, science, and others provide resourceful insights about various economic activities and help single out the anomalies and avoid risks. Enrolling for a course in finance through a reputed university can help young aspiring financial risk advisors understand different ways of mitigating risks and threats. The IIM risk management course provides meaningful insights into the other risks involved in corporations. What are the Financial Risks Involved in Corporations? Amongst the several roles and responsibilities undertaken by the financial management sector, identifying and analysing the volatile financial risks. Financial risk management is the pinnacle of the financial world and incorporates the following risks:- ● Market Risk Market risk refers to the threats that emerge due to corporational work-flows, operational setup and work-systems. Various financial risks include- an economic recession, interest rate fluctuations, natural calamities and others. Market risks are also known as "systematic risk" and need to be dealt with appropriately. When there are significant changes in market rates, these risks emerge and lead to economic losses. ● Credit Risk Credit risk is amongst the common threats that organisations face in the current financial scenarios. This risk emerges when a corporation provides credit to its borrower, and there are lapses while receiving owned principal and interest. Credit risk arises when a borrower falters to make the payment owed to them. ● Liquidity Risk Liquidity risk crops up when investors, business ventures and large organisations cannot meet their debt compulsions in the short run. Liquidity risk emerges when a particular financial asset, security or economic proposition can't be traded in the market. ● Operational Risk Operational risk arises due to financial losses resulting from employee's mistakes, failures in implementing policies, reforms and other procedures. Key Takeaway The various financial risks discussed above help professionals learn the different risks, threats and losses. Enrolling for a course in finance assists learners understand the different risks. Moreover, pursuing the IIM risk management course can expose professionals to the scope of international financial management in India and other key concepts.

Money that was earned is way less slippery than money that was stolen, won, or inherited.

Singer Rihanna nearly went bankrupt after overspending and sued her financial advisor. The advisor responded: “Was it really necessary to tell her that if you spend money on things, you will end up with the things and not the money?”30

Financial advisors must provide holistic advice, not just risk management advice. If it's risk management only, they are insurance advisors.

and authority but also leads directly to the central issue of being clear about purpose. Do we know why we are having a conversation or what our purpose is in calling a meeting? When you are meeting with a financial advisor or lawyer, visiting your doctor, or being introduced to your new head of marketing, do you ask yourself, What is the purpose of this meeting? Your purpose defines the task and the kind of relationships you want to create. When you come together with another person, you jointly and automatically define the situation: What is it we are here to do? What is each of our roles in the situation? What do we expect of each other? What kind of relationship can this

If you're looking for a fiduciary advisor in the Northville area, we can help. Our Fiduciary advisor Northville at Financial Strategies Group, INC of experts, is ready and waiting to partner with you to create an estate plan or financial plan tailored specifically to your needs. We make it our goal to ensure all of our clients get the most out of their money while still enjoying peace of mind about what will happen if they ever become incapacitated or pass on unexpectedly.

Whether or not working for money is a waste of time depends on whether or not the money is needed, or will be wasted.

Following Henry’s counsel, Lee Higg’s partners advised the leading corporations of the day, such as American Telephone and General Electric, and the partners carefully avoided even a hint of self-interest. When James Storrow, Jr, a Harvard graduate from a prominent Boston family and a Lee Higg partner, became the lead banker and advisor to General Motors, he refused to permit the firm to own shares of the company. This policy cost Lee Higg a fortune in missed profits as General Motors shares soared in value, but it preserved the firm’s venerable reputation. Storrow insisted that his partners stick “closely to the things which we are trained to analyze and know how to weigh in the balance.”10

Quickbooks Proadvisor support +1-877-383-3611 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article.

We’re so far committed to the independence camp that we’ve done things that make little sense on paper. We own our house without a mortgage, which is the worst financial decision we’ve ever made but the best money decision we’ve ever made. Mortgage interest rates were absurdly low when we bought our house. Any rational advisor would recommend taking advantage of cheap money and investing extra savings in higher-return assets, like stocks. But our goal isn’t to be coldly rational; just psychologically reasonable.

Let’s look at how some successful brands we all know about have positioned the purchasing of their products as the resolution to external, internal, and philosophical problems: TESLA MOTOR CARS: Villain: Gas guzzling, inferior technology External: I need a car. Internal: I want to be an early adopter of new technology. Philosophical: My choice of car ought to help save the environment. NESPRESSO HOME COFFEE MACHINES: Villain: Coffee machines that make bad coffee External: I want better-tasting coffee at home. Internal: I want my home coffee machine to make me feel sophisticated. Philosophical: I shouldn’t have to be a barista to make a gourmet coffee at home. EDWARD JONES FINANCIAL PLANNING: Villain: Financial firms that don’t listen to their customers External: I need investment help. Internal: I’m confused about how to do this (especially with all the tech-driven resources out there). Philosophical: If I’m going to invest my money, I deserve an advisor who will thoughtfully explain things in person.

Rene Neyrey is a well-established Financial Advisor who has been a member of the American Society of Financial Services Professionals since 1986.

After suffering the loss of a loved one, do nothing but keep your money safe and sound for at least one year. If you want to find the best financial advisor, look in the mirror—for no one will care about your money more than you do.

Our political leaders promote themselves through publicists, financial advisors and powerful military/businesses agendas. We see widespread corruption in democracy while small networks of thoughtful people have the unenviable task of keeping alive the flame of spirituality, justice and sustainable living. We need to: convert our factories to factories of constructive materials not destructive weapons employ our scientists to develop tools for mass construction not weapons of mass destruction employ words not weapons with our so-called enemies establish Ministers for Peace in our government, not Ministers for (so-called) Defence explore causes and conditions for war establish intelligence gathering to develop ethics and social responsibility

Act as if every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, and stick to low-cost index funds, and you’ll do just fine.

Quickbooks Proadvisor support +1-877-383-3611 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article.

Quickbooks ProAdvisor support +1-877-788-4840 Want to take your financial consulting practice to the next level, earn client trust, and easily connect with a vast pool of potential customers? Certification as a QuickBooks ProAdvisor brings you these and many more benefits. And the best part is, you can boost your business at no cost with just a few hours of your time. By joining the QuickBooks ProAdvisor program and completing a test, your ProAdvisor certification demonstrates your superior knowledge of the QuickBooks system. You will be prepared to provide both expert business and financial consulting. Certification as a QuickBooks ProAdvisor will improve your efficiency and increase the success of your practice. We’ll discuss these and more benefits in detail later in this article. QuickBooks makes their certification program easy by providing free training resources, such as self-guided modules, webinars, and even live course options. You do not need to be a bookkeeper or an accountant or have any specific education certificates or degrees. By investing just one or two hours a day, you can become a certified QuickBooks ProAdvisor in as little as two weeks.

Financial advisor and author Nick Murray summed this up best when he said, “There is virtually always an apocalypse du jour going on somewhere in the world. And on the rare occasions when there is not, journalism will simply invent one, and present it 24/7 as the incipient end of the world.

Agents need to be many things all at once. At times you will wear the hats of legal counsel, therapist, financial advisor, friend, organizer, market expert, and salesperson.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

Best Financial Advisors is your solution to finding a financial advisor in New Zealand. We know how daunting the process can be, and our main goal is to help you find a shortcut through the process. Our team takes the time to curate a list of highly reputable financial advisors. This not only helps cut down on your research time, it also helps ensure that you're finding an advisor that can handle your needs.

Best Financial Advisors is your solution to finding a financial advisor in New Zealand. We know how daunting the process can be, and our main goal is to help you find a shortcut through the process. Our team takes the time to curate a list of highly reputable financial advisors. This not only helps cut down on your research time, it also helps ensure that you're finding an advisor that can handle your needs.

Glacier Wealth Management’s vision has been to build full-service wealth management, estate planning, and insurance advising firm. We recognize clients’ goals and needs are specifically unique to their individual situations. We manage finances through a comprehensive approach integrating investment advice, tax, and cost analysis strategies. We bridge the gap between financial advisors, accountants, attorneys, and insurance agents when structuring personal and business finances.

Since Rosenthal came up with the recommendation idea, Morgan Stanley has been working on a next-best-action (NBA) system to provide its advisors with financial insights to present to clients.

Unlike during the previous Gaza operation in 2012, the Iron Dome supply did not run out. After Operation Pillar of Defense I had instructed the army to accelerate production of Iron Dome projectiles and batteries. We accomplished this with our own funds and with generous American financial support. I now asked the Obama administration for an additional $225 million package to continue the production line after Protective Edge. He agreed, and with the help of Tony Blinken, the deputy national security advisor who later became Biden’s secretary of state, the funding provision sailed through both houses of Congress. I deeply appreciated this support and said so publicly. I was therefore very disappointed when the administration held back on the IDF’s request for additional Hellfire rockets for our attack helicopters. Without offensive weapons we could not bring the Gaza operation to a quick and decisive end. Furthermore, as the air war lingered, the administration issued increasingly critical statements against Israel, calling some of our actions “appalling”2 and thereby opening the moral floodgates against us. Hamas took note. As long as it believed that we couldn’t deliver more aggressive punches, and that international support was waning, it would continue to rocket our cities. Unfortunately, it was aided in this belief by an international tug-of-war. On one side: Israel and Egypt. On the other: Turkey and Qatar, which fully supported Hamas. I worked in close collaboration with Egypt’s new leader, el-Sisi, who had deposed the Islamist Morsi a few months earlier. Our common goal was to achieve an unconditional cease-fire. The last thing el-Sisi wanted was a Hamas success in Gaza that would embolden their Islamist allies in the Sinai and beyond. Hamas’s exiled leader, Khaled Mashal, who escaped the Mossad action in Jordan, was now in Qatar. Supported by his Qatari hosts and Erdogan and ensconced in his lavish villa in Doha, Mashal egged Hamas to keep on fighting. To my astonishment, Kerry urged me to accept Qatar and Turkey as mediators instead of the Egyptians, who were negotiating with Hamas representatives in Cairo for a possible cease-fire. Hamas drew much encouragement from this American position. El-Sisi and I agreed to keep the Americans out of the negotiating loop. In the meantime the IDF would have to further degrade Hamas’s fighting and crush their expectations of achieving anything in the cease-fire negotiations.

As financial advisor Carl Richards says, “Risk is what’s left over after you think you’ve thought of everything.