Advisory firms often focus on training their sales reps and ensuring that advertising and web campaigns target appropriate customers. Changes to forms 1099-R and 5498 that require IRA custodians to disclose hard-to-value assets in IRAs could lead to the Internal Revenue Service increasing its enforcement of required minimum distributions. Present bias, or spending money now rather than saving, and failing to appreciate the power of compounded earnings has cost retirement savers $1.7 trillion. A lawsuit alleging that Edison International improperly favored high-fee funds for its 401(k) plan has been rejected by 9th U.S. The Security and Exchange Commission’s Investor Advisory Committee wants the regulator to mandate that standard fees be disclosed--in actual dollar amounts--on customer account statements. Morgan Stanley is building a help desk with more than 10 staffers who will answers questions from financial advisors about complying with the new retirement fiduciary rule. Even though markets have been calm recently, the large equity selloff in the second half of 2015 and in the early portion of 2016 illustrates how quickly investor sentiment can sour. Robo-advisor Betterment has raised another $100 million in venture capital and plans to use the funding to build out additional advice products.
The registered investment advisor community is quickly growing as clients increasingly prefer working with advisors who comply with the fiduciary standard, says Bill Van Law, president of Raymond James’s Investment Advisors Division. Advisors with the Certified Financial Planner distinction tend to have higher levels of trust among clients and earn, on average, 20% more than other advisors, according to a study funded by the CFP Board of Standards and conducted by the Aite Group. The Securities and Exchange Commission has created the office of Risk and Strategy to focus on examining investment advisors and mutual funds.
Many Americans nearing retirement age are pursuing careers with a charitable or civic service nature, which is creating opportunities for financial planners. The Securities and Exchange Commission’s decision to shift resources from broker exams to advisor exams has been driven by necessity, says Marc Wyatt, director of the examinations office. Among black working-age households, 62% have no savings in retirement accounts, while only 37% of working-age white households lack such savings, according to a National Institute on Retirement study. Individuals who are old enough to sneak past the recent termination deadline for using the file and suspend strategy that helps boost Social Security benefits are reportedly being told they are not allowed to use the strategy.
A study of retirement assets during the 2000s has concluded that retirees in the top quintile of wealth have been spending substantially less than their savings allows for. Funding for the Securities and Exchange Commission and the Futures Trading Commission would be doubled by 2021 under the budget recently proposed by President Obama. President Obama’s proposed budget includes provisions that would increase the number of Americans covered by employer-sponsored retirement plans by expanding the use of multiple employer plans.
Bill McNabb, who is the chief of ETF giant The Vanguard Group is warning the industry that the large number of ETFs being launched could create problems for investors. The Department of Labor’s proposed fiduciary standard could create a big increase in orphan accounts, which are accounts that end up being managed by home offices rather than by broker-dealers registered reps, says Paul Sankovich, chief compliance officer at Wells Fargo Advisors Financial Network. The Financial Industry Regulatory Authority (FINRA) is investigating how robo advisors manage risk, says Dawn Calonge, surveillance director at the organization.
Deena Friedman, who skippered the Fidelity Select Retail Fund to an 18.59% return in 2015, has been selected by Bloomberg as the stock picker of the year.
Only one out of every five advisor recruits stays in the industry, but firms can take various steps to improve retention.
The Securities and Exchange Commission has fined Everhart Financial Group nearly $240,000 and ordered the advisory firm to appoint a chief compliance officer after the regulator determined that the company was inappropriately recommending funds with 12b-1 fees for retirement plans.
With weakening economic growth in China and other concerns driving market volatility, billionaire investor George Soros says capital markets currently remind him of conditions that existed during the economic crisis of 2008. For financial advisory firms, implementing customer relationship management technology can be a high stakes and dicey undertaking. Galen Marsh, who as a Morgan Stanley advisor downloaded client data to his home computer without permission, has been sentenced to three years of probation and ordered to pay $600,000 in restitution. Retirement plan fees are falling as 401(k) participants increasingly embrace low-cost products. The proposed Department of Labor fiduciary standard could cost the financial industry in excessive of $2.4 billion in lost transaction revenues, which is more than double most estimates, says Morningstar Analyst Stephen Ellis. A small number of stocks including Amazon, General Electric, Alphabet, Microsoft, and Facebook drove market gains in 2015. Having $30,000 in student debt can cut as much as $325,000 from 401(k) balances by the time an individual reaches retirement. Only 64% of advisors responding to a recent Russell Investments Financial Professionals Outlook survey have a positive outlook for capital markets over the next three years.
Online market gurus have been forecasting rapid growth of web surfers connecting to cyberspace with smartphones and tablets and a decrease in the use of desktops and laptops.
Smart Beta exchange traded funds captured $3 billion in assets in October and $53.7 billion during the first ten months of this year, according to London-based research firm ETFGI. Despite occasional articles about advisors stealing from clients, only 2% of individual advisors have reported criminal charges such as felony convictions or investment related misdemeanors, according to an analysis of industry data by Big Crunch.
Morgan Stanley advisors who land clients that need cash management services next year can receive bonuses up to $50,000. Susan Elizabeth Walker, 51, of Plymouth, Minnesota, has been sentenced to more than seven years in the slammer after being found guilty of stealing $1.1 million from at least 24 clients.
The Securities and Exchange Commission has issued a warning regarding outsourced compliance programs based on deficiencies that it has uncovered during examinations.
Providing low-cost tax return preparation to generate financial planning prospects is just one of a variety of successful strategies. During the past year, daily equity market declines and gains exceeding 1% have been common, with investor sentiment quickly changing based on the prevailing outlook for the Federal Reserve’s monetary policy.
File and suspend, which allows one member of a couple to receive a spousal benefit from Social Security while both spouses’ benefits continue to accrue, would be terminated under the budget bill that was recently passed by the House of Representatives. Mounting levels of student debt and declining home ownership among younger people means that many recent college grads will have to work to age 75 before retiring.


The Certified Financial Planner Board of Standards should be raising the requirements to become a certified financial planning. Periodically adjusting asset allocations based on expected returns of different asset classes can generate better returns than traditional target date funds, according to back testing completed by Grantham, May, van Otterloo. Boston-based startup firm Gradifi has launched the Student Loan Paydown Plan, which allows business to make payments toward their employees’ student debt. Impact investors, or those investors seeking to invest in a socially responsible manner, don’t have to sacrifice returns to stay true to their calling, according to a new Wharton School study. In the next five years, private wealth is estimated to grow from approximately $14 trillion to $22 trillion. Traditional advisors can compete with robo-advisors by being prepared to answer tough questions about fees, understanding what services clients value, expanding their referral networks, and clearly articulating the range of services they provide. Advisors should ensure that female clients can find financial planning documents, such as life insurance policies in the event that they outlive their husbands. Advisors need to address frequently overlooked aspects of their digital branding to ensure that their reputation and marketing are assets rather than liabilities. The Department of Labor is moving forward with a rule change intended to help states start retirement plans without running afoul of regulations included in the Employee Retirement Income and Security Act.
Financial services firms are awaiting a list of products that the Department of Labor may restrict from being used in IRAs as part of its fiduciary standard rule. Investors younger than 40 ramped up stock purchases on August 24 when the market tanked 1,000 points at the open, according to Robinhood, which is a stock trading app that is frequently used by Millennials. The Social Security Administration says it will provide retroactive spousal benefits to same-sex couples that were married in states that previously didn’t recognize such matrimonial unions, according to attorneys for plaintiffs. Many advisors may cringe when conversations suffer from akward silence, but such moments can lead to more productive conversations.
Labor Secretary Thomas Perez says he will continue to push for a fiduciary standard for retirement plan advisors even though Republicans and moderate Democrats are concerned that the rule could harm low-income individuals. Advisors need to understand the complex emotions that can accompany sudden wealth in order to best serve their clients. While blissful couples pledge to stay married until death, the reality is that approximately 50% of marriages inthe U.S.
Collecting Social Security early can help retirees assess how much they can spend because the payments are consistent.
The annual household savings rate climbed to 5.5% last year, up nearly a full percentage point from 2013.
Advisors can engage their clients and strengthen relationships by using appropriate teaching styles for each investor’s preferred method of learning. May and June have been tough months for Bill Gross and his Janus Global Unconstrained Bond Fund with investors withdrawing $50 million from the portfolio during the period, according to Morningstar.
The Securities and Exchange Commission recently awarded a whistleblower $3 million for information that helped the regulator crack a complex case of fraud. Advocates of the fiduciary requirement for retirement investment advisors have delivered a petition with 230,000 signatures to the Department of Labor to urge the regulator to support the proposed standard. Industry trade groups are proposing legislation that would require retirement planning advisors to serve in the best interest of clients rather than comply with the Department of Labor’s proposed fiduciary standard, says Steve Saxon, chairman of Groom Law Group. With the recent Supreme Court ruling shooting down state bans on same sex couples, financial planners should be ready to take a variety of estate planning actions with gay clients. In a lawsuit, San Antonio player Tim Duncan is alleging that his former financial advisors, Charles Banks, failed to disclose his own interest in investments that eventually lost $20 million for the superstar.
There will always be a time in your life when you make a mistake that will screw your relationship big time.
In truth, not many people are always open to reconciliation that is why you should approach the broken relationship with utmost care. In this book, Jason Hicks gives insightful advices for your unique situation about getting your ex back. One unconventional tip that you will encounter in Second Chance Romance is the part wherein you have to establish a communication with your ex as soon as possible. Although very successful, the Second Chance Romance does not guarantee that everyone can get their ex back. A good thing about the book is that it offers you a 60-day money back guarantee and it is cheaper compared to other ‘get your ex back’ books. Whether you ended it or your partner did, coming out of any relationship can be painful and stressful. This may seem a bit harsh, but seeing your ex is only likely to bring up all the negative emotions and feelings you had whilst the relationship was ending, and set you back in trying to get over the break-up.
This may be somewhat difficult to do if you are trying to get over a long-term relationship. Being newly single is an excellent time to catch up with friends, who can often get a bit neglected when you're in a long-term relationship. When you're lonely it can be really easy to jump straight into another relationship, the new person seeming to fill the gap your ex left in your life. The best advice for getting over the break-up of a long-term relationship is to remember to always be moving forward. When the basic methods for getting over a breakup doesn't work, you may have special issues that are preventing you from true healing. Dealing with a break-up can be the hardest thing especially when that person has been the center of your world. Moving away may seem extreme, but sometimes it can be one of the best decisions you can make (depending on your finances, of course). Those include services on its 401(k) platform and additional features for use by financial advisors.
Now, recent data suggests the use of such portable devices has exploded, which underscores the need for advisors to ensure that their websites are well equipped to handle smartphone and tablet traffic.


Instead, it is making it easier to obtain the credentials, writes Rick Kahler, who is president of financial planning firm Kahler Financial Group. During that period, furthermore, women are expected to control two-thirds of private wealth. La Placa and a handful of other team members that collectively manage $3 billion in assets have left the San Francisco office of Deutsche Bank to start their own firm.
The news is being celebrated by PC users who are hoping that the operating system will eradicate many of the frustrating issues with Windows 8 that have led to sharp criticism of Microsoft. And the hardest part is you do not realize the extent of the damage until after your ex walks right out of the door. It is a program wherein the author will guide you step-by-step into building a strong foundation for a renewed romance. He uses his knowledge in human psychology and applies it to romantic relationships to help you find the trigger points that will help you get back with your ex.
Conventional tips often say that you should give your ex all the time and space that he or she wants. There is always a chance that people will become afraid of taking Jason Hick’s advice because they are constantly worrying that they might screw it. For less than the price of a date, you will be able to get all the necessary help you need and, if you decide to have your money back, Jason Hicks will even let you keep the material you bought.
Moving on from a long-term relationship can be especially tough, as you need to give yourself more time to mourn the relationship and readjust to your new life.A  But the sooner you can rediscover yourself as an individual and start enjoying your life again, the healthier and better you will feel. Try and remember all the things you used to do when you were single or before you met your ex. Going for dinner, to the movies, or even just getting a coffee can all be an excellent opportunity for you to share your feelings with friends, take your mind off your ex and have fun!
But focusing only on the good things in the partnership will just make you yearn for a perfect ideal of the relationship that doesn't really exist.
However, 'rebound' relationships are rarely successful, and often buried feelings rise to the surface and cause real problems. Don’t sit around reminiscing about the good old days or living your life in reverse. The best advice we've ever read on this subject was found in a report from Tigress Luv, the Breakup Guru.
If you throw into the mix the occasional premature death of a spouse, then it becomes clear that a substantial portion of advisors’ married clients are likely to become single. Then, you wallow in sadness and get desperate, while thinking of the ways on how to get your ex back.
His advices do not fall on the generic ‘get your ex back’ tips either, some are very unconventional that it will blow you away.
That might be helpful but there is a good chance that by the time your ex is ready to talk, he or she might be telling you that he or she has got someone new.
Or that people will be uncomfortable with unconventional advices for a very sensitive issue.
Rediscover old hobbies, meet with friends or simply spend some time on your own, remembering all the benefits of being single! Although it's hard, when you find yourself feeling lonely and reminiscing about the past, don't forget about the bad parts.
You need to give yourself time to grieve your relationship and re-establish a sense of yourself as an individual before you commit to another person. This person could have been your spouse, a long-term partner, someone you lived with, a parent to your child or someone you were starting to get serious about. It might even come to the point of depression, especially if you are constantly rehashing what went wrong and reminiscing all the good times you had together. Although moving to a new house is another option, but a less complicated type of move in comparison to a relocation, it may still be easier for someone to keep in contact with their ex through people they know. In his book, Jason explains the importance of having an immediate conversation with your ex and gives you advice on how to apologize without appearing desperate or needy. The Second Chance Romance helps you re-evaluate the value of your relationship and assess your self to help you build a stronger relationship foundation for your renewed romance. If you and your ex-partner had a lengthy period of arguing before you broke up, it could be beneficial to enjoy the peace and sense of empowerment that comes from making all your own decisions again. The road to recovery may seem like a long journey and it can be pretty scary to think whether you are ever going to find someone else.
If you want to get your ex back, you have to either accept help now or not, it is still ultimately your choice.
This is also a good time to do something your ex perhaps didn't approve of or something you wouldn't have done as part of a couple, such as get a dramatic haircut, go traveling or change your job. However, staying in bed and moping at home will not only NOT bring your ex back, it’ll only make you miss them more and the longer it will get you down. So if relocating to a new town or city seems like running away, it shouldn’t be taken out of context as simply giving up. Time does heal though, even if it may take longer for some, but there are better ways to make it easier for you to get over an ex. It can also mean starting an exciting new life with a new career and new friends and maybe even down the road a new love interest. Relocation should be thought of as a brave decision because not everyone has the courage to do this on their own.



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