Good Financial Cents

JUNE 11, 2023

In stark contrast, Personal Capital is an investment advisor. This is absolutely key with any financial advisor you talk to, whether in person or online. You can also get information on your performance and asset allocation. And that’s a huge win we can all settle for. Is Personal Capital for Me?

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ClearMoney

NOVEMBER 4, 2021

As with many things in life, the truth is somewhere between the extremes: While both simulated and real-world data suggest momentum may not be suitable as a driver of long-term asset allocations, we believe momentum considerations can be integrated in a cost-effective way to help inform daily portfolio management decisions.

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Asset Allocation Commission Portfolio Assets 52

James Hendries

AUGUST 15, 2022

The Strategic and Tactical Asset Allocation Committee (STAAC) made no changes to its recommended asset allocation for August. This material has been prepared for informational purposes only, and is not intended as specific advic or recommendations for any individual. We could see a retest of 3.5%

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Portfolio Asset Allocation Taxes Investment Advisor 52

Carson Wealth

DECEMBER 1, 2022

Younger investors have a much longer time frame before they need investment proceeds. Talking with a qualified investment advisor can help you develop an asset allocation appropriate for meeting your financial goals. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

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Retirement Planning Risk Tolerance Retirement Budgeting 72

James Hendries

SEPTEMBER 27, 2022

The LPL Research Strategic and Tactical Asset Allocation Committee is increasing its recommended interest rate exposure in its tactical allocation from underweight to neutral. This material is for general information only and is not intended to provide specific advice or recommendations for any individual.

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Asset Allocation Marketing Marketing Assets 52

Brown Advisory

NOVEMBER 29, 2016

Alternatively, nonprofits can boost potential portfolio returns, which often means tolerating more risk and illiquidity, through a recalibration of asset allocation— the single biggest driver of long-term gains. Reassess asset allocation. Choose investment managers with solid long-term performance. Only 12% of U.S.

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Nonprofit Asset Allocation Portfolio Budgeting 52

James Hendries

NOVEMBER 3, 2022

Please contact your financial advisor with questions. This material is for general information only and is not intended to provide specific advice or recommendations for any individual. All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

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Clients Asset Allocation Investment Advisor Assets 52

James Hendries

MARCH 13, 2023

Instead, we got a shockingly fast collapse of a financial institution with over $200 billion in assets, which turned the market’s focus toward the stability of the banking system and what systemic risks banks might be facing. All investing involves risk, including possible loss of principal.

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James Hendries

JUNE 26, 2023

However, the impending end of the Federal Reserve (Fed) rate-hiking campaign, and the economy’s and corporate America’s resilience, help make the bull case that steers LPL Research toward a neutral, rather than negative, equities view from a tactical asset allocation perspective. Diversification does not protect against market risk.

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Marketing Marketing Asset Allocation Valuation 52

James Hendries

NOVEMBER 15, 2022

The Strategic and Tactical Asset Allocation Committee’s (STAAC) S&P 500 year-end fair value target of 4,000-4,100 is based on a price-to-earnings ratio of 17.5 This material has been prepared for informational purposes only, and is not intended as specific advice or recommendations for any individual. IMPORTANT DISCLOSURES.

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Portfolio Taxes Government Investment Advisor 52

James Hendries

OCTOBER 7, 2022

The Strategic and Tactical Asset Allocation Committee (STAAC) upgraded its view of duration to neutral. This material has been prepared for informational purposes only, and is not intended as specific advice or recommendations for any individual. Investing in emerging markets may accentuate these risks.

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Portfolio Taxes Investment Advisor Asset Allocation 52

James Hendries

SEPTEMBER 8, 2022

The Strategic and Tactical Asset Allocation Committee (STAAC) downgraded its view of emerging market (EM) equities in August. This material has been prepared for informational purposes only, and is not intended as specific advice or recommendations for any individual. Investing in emerging markets may accentuate these risks.

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Portfolio Taxes Investment Advisor Asset Allocation 52

Brown Advisory

MARCH 26, 2020

Note that any decision to harvest losses is highly dependent on factors specific to your situation, and should only be made after consultation with tax and investment advisors. Assets should not be sold solely for tax reasons. Please see the end of this presentation for important information. Actual results will vary.

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Taxes Marketing Marketing Clients 52

Brown Advisory

MARCH 26, 2020

Note that any decision to harvest losses is highly dependent on factors specific to your situation, and should only be made after consultation with tax and investment advisors. Assets should not be sold solely for tax reasons. Please see the end of this presentation for important information. TAX LOSS HARVESTING 101.

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Taxes Marketing Marketing Clients 52

ClearMoney

MARCH 1, 2022

2 It is reasonable to assume a portion of that trading activity represented asset allocation changes motivated by market viewpoints, rather than buy-and-hold position accumulation. DISCLOSURES The information in this document is provided in good faith without any warranty and is intended for the recipient’s background information only.

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James Hendries

MARCH 6, 2023

The LPL Research Strategic and Tactical Asset Allocation Committee (STAAC) recommends a slight overweight allocation to equities, favors value over growth, small caps over large caps, and the energy, healthcare, and industrials sectors. LPL Financial doesn’t provide research on individual equities.

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Trade Brains

OCTOBER 16, 2024

It is one of the oldest with 22 years of operating in the Asset Management industry. Their funds include Active funds, Absolute Funds, Liquid Funds, Overnight Funds, Gilt Funds, Tax Plans, Large Cap, Dynamic Asset Allocation Funds, and others. Investors must therefore exercise due caution while investing or trading in stocks.

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Manufacturing Tax Planning Sales Distribution 52

Walkner Condon Financial Advisors

MARCH 15, 2023

If you had 500 stocks in your portfolio not every stock will be up at the same time, and when allocations have to be adjusted for any reason due to imbalances in the portfolio or due to rising cash, losses can be recognized to help offset gains. Here is some information on low cost index funds.

Financial Advisor 52

Financial Advisor Taxes Asset Allocation Portfolio 52

James Hendries

JUNE 20, 2023

LPL’s Strategic and Tactical Asset Allocation Committee (STAAC) recommends a neutral tactical allocation to equities, with a modest overweight to fixed income funded from cash. IMPORTANT DISCLOSURES This material is for general information only and is not intended to provide specific advice or recommendations for any individual.

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Marketing Marketing Economy Communication 52

James Hendries

DECEMBER 4, 2022

The LPL Research Strategic & Tactical Asset Allocation Committee (STAAC) continues to hold a cautious view and an underweight to the S&P 500 consumer discretionary sector, from an asset allocation perspective. Faster than expected deceleration in inflation and the economy avoiding a recession altogether (i.e.,

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Retail Marketing Marketing Sales 52

Brown Advisory

SEPTEMBER 29, 2020

While the prudent investment standard should apply here as with all fiduciary investment decisions, the range of options is fairly wide depending on the situation—from a model that resembles a pension portfolio to one that is closer to the Yale Endowment Model. Other factors to consider include: The targeted residuum (i.e.,

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Management Nonprofit Assets Risk Tolerance 52

Brown Advisory

SEPTEMBER 29, 2020

While the prudent investment standard should apply here as with all fiduciary investment decisions, the range of options is fairly wide depending on the situation—from a model that resembles a pension portfolio to one that is closer to the Yale Endowment Model. CHOOSING THE RIGHT INVESTMENT APPROACH.

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Management Nonprofit Assets Risk Tolerance 52

James Hendries

NOVEMBER 15, 2022

One equity market debate discussed frequently in the LPL Research Strategic & Tactical Asset Allocation Committee (STAAC) is the growth vs. value style reversal experienced the past 12 months. The LPL Research STAAC continues to favor a tilt toward value from an asset allocation perspective. IMPORTANT DISCLOSURES.

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Marketing Marketing Asset Allocation Valuation 52

WiserAdvisor

DECEMBER 13, 2023

Understanding the advantages of beginning early and strategizing to combat the gap if you are starting later, is key to making informed and effective decisions for your retirement journey. Adapt your approach Late starters should consider a strategic shift in their asset allocation.

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Retirement Risk Tolerance Retirement Planning Taxes 45

James Hendries

JULY 3, 2023

A Fed pause is likely coming soon, if it’s not already here, as inflation continues to ease, supporting the case for staying fully invested. LPL’s Strategic and Tactical Asset Allocation Committee (STAAC) recommends a neutral tactical allocation to equities, with a modest overweight to fixed income funded from cash.

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Marketing Marketing Banking Valuation 52

James Hendries

NOVEMBER 22, 2022

Recent wholesale inflation tells a similar story of a peak in pricing pressures, which has been the expectation of the Strategic and Tactical Asset Allocation Committee (STAAC) at LPL Research. This material is for general information only and is not intended to provide specific advice or recommendations for any individual.

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Marketing Marketing Valuation Asset Allocation 52

International College of Financial Planning

MAY 29, 2023

The scope of wealth management goes beyond traditional financial planning and investment advisory services, encompassing a more holistic approach to personal finance. Wealth managers collaborate with their clients to develop customized strategies for asset allocation, tax planning, estate planning, and risk management.

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Wealth Management Management Estate Planning Financial Planner 40

Brown Advisory

JULY 1, 2016

Changes in their assumed rate of return can impact decisions ranging from asset allocation to the spending level that a portfolio can rationally support. Our Investment Solutions Group spends considerable time trying to gauge the long-term outlook for stocks since it is central to asset allocation decisions and recommendations.

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Investing Investments Portfolio Assets 52

Brown Advisory

JULY 1, 2016

Changes in their assumed rate of return can impact decisions ranging from asset allocation to the spending level that a portfolio can rationally support. Our Investment Solutions Group spends considerable time trying to gauge the long-term outlook for stocks since it is central to asset allocation decisions and recommendations.

Investing 52

Investing Investments Portfolio Assets 52

James Hendries

JANUARY 13, 2023

And on the asset allocation side, the team’s preference for value stocks throughout the year turned out to be a win. All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy. All investing involves risk, including possible loss of principal.

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Marketing Marketing Valuation Banking 52

James Hendries

AUGUST 15, 2022

We maintain our preference for equities over fixed income and cash in our recommended tactical asset allocation. This material is for general information only and is not intended to provide specific advice or recommendations for any individual. Conclusion. Click here to download a PDF of this report. IMPORTANT DISCLOSURES.

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Marketing Marketing Economy Valuation 52

Brown Advisory

NOVEMBER 20, 2018

Along with achieving strong long-term returns, protecting our clients’ capital is a critically important part of our challenge as investment advisors. An important tool in this regard is diversification, or spreading risk across various asset classes and investment opportunities, each of which has a different return profile.

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Investing Investments Assets Portfolio 52

Brown Advisory

NOVEMBER 20, 2018

Along with achieving strong long-term returns, protecting our clients’ capital is a critically important part of our challenge as investment advisors. An important tool in this regard is diversification, or spreading risk across various asset classes and investment opportunities, each of which has a different return profile.

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Investing Investments Assets Portfolio 52

WiserAdvisor

DECEMBER 29, 2022

Further, it helps to avoid concentrating all your money on investments that provide a return that is not at par with inflation, such as bank accounts, money market accounts, etc. Capital appreciation is one of the primary objectives of investing. Investing increases your money’s value by offering you returns over time.

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Investments Investing Financial Advisor Planning 52

WiserAdvisor

MARCH 22, 2023

Whether you are just starting your career or are nearing retirement age, understanding Roth 401(k) matching can help you make more informed decisions about your financial future. A financial advisor can help you understand the intricacies of the Roth 401(k) match. You can also consider hiring a financial advisor for this purpose.

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Retirement Financial Advisor Taxes Accounting 45

ClearMoney

FEBRUARY 22, 2022

The report examined the results of two types of funds7, each holding a mix of stocks and bonds: Balanced: Minimal change in allocation to stocks. Tactical Asset Allocation: Periodic shifts in allocation to stocks. Arnott, “Tactical Asset Allocation: Don’t Try This at Home,” Morningstar, September 20, 2021.

Asset Allocation 52

Asset Allocation Commission Portfolio Assets 52

James Hendries

JULY 6, 2022

For more risk-tolerant investors or investors with neutral positioning, we would consider increasing equity allocations slightly, as the LPL Research Strategic and Tactical Asset Allocation Committee (STAAC) has done in July as more evidence that the market’s bottoming process is progressing has emerged. IMPORTANT DISCLOSURES.

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