January 15 th, Sales Meeting

Size: px
Start display at page:

Download "January 15 th, Sales Meeting"

Transcription

1 January 15 th, 2013 Sales Meeting 1

2 Graphs from Wells Fargo Housing Data Wrap-Up

3 Graphs from Wells Fargo Housing Data Wrap-Up

4 Graphs from Wells Fargo Housing Data Wrap-Up

5 Graphs from Wells Fargo Housing Data Wrap-Up

6 Data from Wells Fargo Housing Data Wrap-Up

7 Graphs from Wells Fargo Housing Data Wrap-Up

8 Graphs from Wells Fargo Housing Data Wrap-Up

9 Graphs from Wells Fargo Housing Data Wrap-Up

10 Graphs from Wells Fargo Housing Data Wrap-Up

11 Graphs from Wells Fargo Housing Data Wrap-Up

12 Graphs from Wells Fargo Housing Data Wrap-Up

13 Graphs from Wells Fargo Housing Data Wrap-Up

14 Graphs from Wells Fargo Housing Data Wrap-Up

15 Graphs from Wells Fargo Housing Data Wrap-Up

16 Graphs from Wells Fargo Housing Data Wrap-Up

17 2012 Review & Forecast Data Source: Home Price Index 17

18 2012 Review & Forecast 18

19 2012 Review & Forecast 19

20 2012 Review & Forecast Interest Rate History for Residential Mortgages 20

21 2012 Review & Forecast 6 Month Forecast for 30 Year Fixed Rate Mortgages Source: 21

22 2012 Review & Forecast 7% 3.5% When the cost of the mortgage doubles will home prices fall by 50%? Source: 22

23 2012 Review & Forecast Sales by Price Range, by Year Source: CRRA MLS & Broker Metrics 23

24 2012 Review & Forecast Sales Volume and units Sold By Year Source: CRRA MLS 24

25 2012 Review & Forecast CRRA: All MLS Source: CRRA MLS 25

26 2012 Review & Forecast Source: CRRA MLS 26

27 2012 Review & Forecast Source: Broker Metrics 27

28 2012 Review & Forecast % Change -18% +10% +1% +6% +14% +11% -4% +1% +2% -6% 0% +4% 28

29 2012 Review & Forecast % Change +202% +24% +17% +46% +13% -12% -32% -38% +5% +6% +22% +11% 29

30 2012 Review & Forecast 2012 % Change +72% +37% +78% +55% +18% -2% -39% -35% +7% 0% +28% +15% 30

31 2012 Review & Forecast 31

32 2012 Review & Forecast : 32

33 2012 Review & Forecast 33

34 2012 Review & Forecast 34

35 Humans are social. We gain knowledge by sharing knowledge. We are born ready to cooperate, and then we build cultures to magnify this trait. 2 Our preamble charges us with the duty to share the fruits of our experiences with others and to become and remain informed. This idea of sharing knowledge is the essence of Eric Thompson s statement that we will all become masters of the real estate sales process. 3 We strive to become masters of the process being informed about ALL issues affecting real estate. 35

36 So how will we sell real estate in 2030? In the end our clients and customers will shape this answer through their quest for richer and more timely information, greater transparency and well-defined service and performance standards. As REALTORS we recognize these interests of our clients and customers, and we will adapt and join them in their quest. 36

37 Company Goals 1. To be leaders in Real Estate Technology which will permit the most efficient, transparent, free-flow of real estate related information. 2. To be leaders in providing richer, more timely real estate related information. 3. To be Masters of the Real Estate Process by being informed about all issues affecting real estate 4. To be the leading Trusted Real Estate Advisor in our market. 37

of the Charlotte Real Estate Market

of the Charlotte Real Estate Market HELEN ADAMS REALTY of the Charlotte Real Estate Market January 21, 2014 1 Mastery Mastery in one s career and consciousness growth simply requires that we constantly produce results beyond and out of the

More information

12 Months Master Pay Scale Salary Table

12 Months Master Pay Scale Salary Table B-1 Master Pay Scale Salary Table 2017-2018 An employee who does not earn a credited year of service and/or who remains on the same pay step for any other reason (such as being at the maximum pay step)

More information

Click to edit Master title style New Ballgame for 401k Plans

Click to edit Master title style New Ballgame for 401k Plans Click to edit Master title style New Ballgame for 401k Plans Is Your Plan Advisor an Asset or Liability? Speakers: Ty Parrish Senior ERISA Consultant Blue Prairie Group Michael Rom Senior ERISA Consultant

More information

Morgan County (Lawrence) Residential Report July 2018

Morgan County (Lawrence) Residential Report July 2018 Morgan County (Lawrence) Residential Report July 2018 Monthly Indicators Recent Figures Trends Total Home Sales Current Month July 2018 177 vs. Prior Month June 2018 163 8.6% vs. Last Year July 2017 116

More information

Investment advisory and brokerage services

Investment advisory and brokerage services Investment advisory and brokerage services A guide to what you should know before investing with us Differences in our services Wells Fargo Advisors can offer brokerage and investment-advisory account

More information

Gain access to the funds you need

Gain access to the funds you need Maintain your investment strategy with securities-based borrowing Gain access to the funds you need As a ready source of funds for a wide range of uses, a securities-based loan or line of credit offers

More information

INVICTUS SECURITIES CORPORATE PROFILE

INVICTUS SECURITIES CORPORATE PROFILE INVICTUS SECURITIES CORPORATE PROFILE A member of the Zimbabwe Stock Exchange Authorised and regulated by the Securities and Exchange Commission of Zimbabwe BACKGROUND INFORMATION Established as Prime

More information

Marshall County Residential Report June 2018

Marshall County Residential Report June 2018 Marshall County Residential Report June 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month June 2018 Marshall County residential* sales vs. Prior Month May 2018 97-7.2%

More information

Alabama Residential Report May 2012

Alabama Residential Report May 2012 www.acre.cba.ua.edu Alabama Residential Report May 2012 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month May 2012 3,826 Alabama home sales for May 2012 totaled vs. Prior Month

More information

Lake Martin Residential Report June 2018

Lake Martin Residential Report June 2018 Lake Martin Residential Report June 18 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month June 18 72 Lake Martin residential* sales for the vs. Prior Month May 18 62 16.1% current

More information

Get more from your account statement

Get more from your account statement Get more from your account statement Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value Get more from your account statement Determining whether your investments are helping

More information

Huntsville Residential Report October 2018

Huntsville Residential Report October 2018 Huntsville Residential Report October 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month October 2018 612 Huntsville residential* sales for the current month totaled 612

More information

Mobile Residential Sales Report March 2019

Mobile Residential Sales Report March 2019 Mobile Residential Sales Report March 2019 Total Residential Sales Current Month March 2019 420 Mobile residential* sales for March '19 totaled 420 units, an increase of 10.2 percent when compared to last

More information

Southeast Alabama Residential Report - Nov 2018

Southeast Alabama Residential Report - Nov 2018 Southeast Alabama Residential Report - Nov 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month November 2018 102 Southeast Alabama residential sales for vs. Prior Month

More information

MONTHLY AND ANNUAL INFORMATION RETURNS. Summary of Changes to Reporting Requirements

MONTHLY AND ANNUAL INFORMATION RETURNS. Summary of Changes to Reporting Requirements MONTHLY AND ANNUAL INFORMATION RETURNS Summary of Changes to Reporting Requirements MONTHLY AND ANNUAL INFORMATION RETURNS Summary of Changes to Reporting Requirements CASH AND INVESTMENTS Information

More information

Baldwin County Residential Report October 2018

Baldwin County Residential Report October 2018 Baldwin County Residential Report October 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month October 2018 548 Baldwin residential* sales during the vs. Prior Month September

More information

Click to edit Master title style New Ballgame for 401k Plans

Click to edit Master title style New Ballgame for 401k Plans Click to edit Master title style New Ballgame for 401k Plans Is Your Plan Advisor an Asset or Liability? Speakers: Ty Parrish Senior ERISA Consultant Blue Prairie Group Michael Rom Senior ERISA Consultant

More information

Athens Residential Report - May 2018

Athens Residential Report - May 2018 Total Residential Sales Current Month May 2018 182 Athens residential* sales for the current vs. Prior Month April 2018 151 20.5% month totaled 182 units, representing a vs. Last Year May 2017 165 10.3%

More information

Lake Martin Waterfront Residential Report July 2018

Lake Martin Waterfront Residential Report July 2018 Lake Martin Waterfront Residential Report July 18 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month July 18 29 Lake Martin Waterfront residential* sales during the current

More information

Birmingham Residential Report- June 2018

Birmingham Residential Report- June 2018 Birmingham Residential Report- June 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month June 2018 1,538 vs. Prior Month May 2018 1,702-9.6% vs. Last Year June 2017 1,552-0.9%

More information

Birmingham Residential Report- November 2018

Birmingham Residential Report- November 2018 Birmingham Residential Report- November 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month November 2018 1,224 vs. Prior Month October 2018 1,250-2.1% vs. Last Year November

More information

Tuscaloosa Residential Report August 2018

Tuscaloosa Residential Report August 2018 Tuscaloosa Residential Report August 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month August 2018 234 vs. Prior Month July 2018 249-6.0% vs. Last Year August 2017 246-4.9%

More information

Calhoun County Residential Report January 2019

Calhoun County Residential Report January 2019 Calhoun County Residential Report January 2019 Total Residential Sales Current Month January 2019 87 Calhoun County residential sales for the current month totaled 87 units, representing a decrease of

More information

Lake Martin Waterfront Residential Report November 2018

Lake Martin Waterfront Residential Report November 2018 Lake Martin Waterfront Residential Report November 18 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month November 18 17 Lake Martin Waterfront residential* sales during the

More information

New construction loan us bank

New construction loan us bank New construction loan us bank The Borg System is 100 % New construction loan us bank 9-4-2018 Buying a new construction home can involve lots of exciting choices and unique opportunities. When you're ready

More information

SmartStats Report of Properties in MLS Area 3900 (Pleasanton) from Dec 1, 2013 to Dec 20, 2016

SmartStats Report of Properties in MLS Area 3900 (Pleasanton) from Dec 1, 2013 to Dec 20, 2016 SmartStats Report of Properties in MLS Area 39 (Pleasanton) from Dec 1, 213 to Dec 2, 216 Overview Contents In the last 3 years, there were 3969 total properties listed in your requested sample that were

More information

Calhoun County Residential Report August 2018

Calhoun County Residential Report August 2018 Calhoun County Residential Report August 2018 Monthly Indicators Recent Figures Trends Total Residential Sales Current Month August 2018 155 Calhoun County residential sales for the current month totaled

More information

Suggested Topics Suggested Topics Suggested Speakers Suggested Speakers

Suggested Topics Suggested Topics Suggested Speakers Suggested Speakers Bigger and Better Business Strategic Partnerships Fall 2008 Project Seed The Sigma Economic Empowerment Development Project (Project S.E.E.D.) is a Bigger & Better Business program developed to focus on

More information

Yolo County Association of REALTORS 2018 MASTERS CLUB APPLICATION. Deadline: Friday, January 11, 4:00 pm

Yolo County Association of REALTORS 2018 MASTERS CLUB APPLICATION. Deadline: Friday, January 11, 4:00 pm Yolo County Association of REALTORS 2018 MASTERS CLUB APPLICATION Deadline: Friday, January 11, 2018 @ 4:00 pm APPLICANT INFO Name: Company: Current Status in Masters Club (not including this year): YOU

More information

Baldwin County Residential Report July 2018

Baldwin County Residential Report July 2018 Baldwin County Residential Report July 2018 Total Residential Sales Current Month July 2018 647 Baldwin residential* sales during the vs. Prior Month June 2018 736-12.1% current month totaled 647 units,

More information

Corraterie Gestion today

Corraterie Gestion today Wealth Managers since 1984 Corraterie Gestion today QUALITY, INDEPENDENCE AND ABSENCE OF CONFLICT OF INTEREST WE ARE An experienced staff with strong skills and a deep knowledge of the financial environment

More information

Capturing more of the First-time Homebuyer Market

Capturing more of the First-time Homebuyer Market Capturing more of the First-time Homebuyer Market Insights and Lending Solutions for a New Generation 1 of 10 First-time homebuyers A $78 Billion sales opportunity in 2017 In the Mid-Atlantic and Southeast,

More information

Learn more about becoming a homeowner

Learn more about becoming a homeowner Learn more about becoming a homeowner Ethan Hudson Home Mortgage Consultant NMLSR ID 1493892 [Location] [Date] 2 Welcome! By attending this event, you are taking an important step toward your homeownership

More information

VITAL SOLUTIONS VENDOR RISK MANAGEMENT GUIDE VENDOR RISK I S S U E S & IDEAS TO HELP YOU AVOID THE COULD PUT YOU & YOUR BUSINESS AT RISK TODAY.

VITAL SOLUTIONS VENDOR RISK MANAGEMENT GUIDE VENDOR RISK I S S U E S & IDEAS TO HELP YOU AVOID THE COULD PUT YOU & YOUR BUSINESS AT RISK TODAY. VENDOR 10 I S S U E S & IDEAS TO HELP YOU AVOID THE SERIOUS COMPLIANCE CONSEQUENCES THAT COULD PUT YOU & YOUR BUSINESS AT RISK TODAY. RISK VITAL SOLUTIONS VENDOR RISK MANAGEMENT GUIDE Vital Solutions has

More information

Superintendent of Financial Institutions/Superintendent of Pensions/Registrar of Mortgage Brokers Ministry of Finance Vancouver

Superintendent of Financial Institutions/Superintendent of Pensions/Registrar of Mortgage Brokers Ministry of Finance Vancouver Superintendent of Financial Institutions/Superintendent of Pensions/Registrar of Mortgage Brokers Ministry of Finance Vancouver Join FICOM and make an important contribution to the effective regulation

More information

Celebrating our dedication to our community and our clients.

Celebrating our dedication to our community and our clients. SEVENBRIDGE FINANCIAL GROUP Celebrating our dedication to our community and our clients. Investments Advice Wealth Management n n SevenBridgeFinancial.com ON AUGUST 28, 2015, we relaunched our firm as

More information

MARXER Avocat. The Principality of Liechtenstein, an opportunity for your company and your assets

MARXER Avocat. The Principality of Liechtenstein, an opportunity for your company and your assets The Principality of Liechtenstein, an opportunity for your company and your assets Werdenbergerweg 11 9490 Vaduz Liechtenstein T +423 232 60 10 F +423 232 60 11 11 bd de Sébastopol 75001 Paris France T

More information

HOME BUYERS GUIDE: Financing a New Home Top 10 Things to Know

HOME BUYERS GUIDE: Financing a New Home Top 10 Things to Know Top 10 Things to Know Home Buyers Guide: Top 10 Things to Know Whether you re just dipping your toe into the real estate waters for the first time, or you ve been snooping around MLS for years, first-time

More information

Released: September 7, 2010

Released: September 7, 2010 Released: September 7, 2010 Commentary 2 The Numbers That Drive Real Estate 3 Recent Government Action 10 Topics for Home Buyers, Sellers, and Owners 13 Brought to you by: KW Research Commentary The housing

More information

Mortgage Survival Guide

Mortgage Survival Guide Mortgage Survival Guide The perfect resource for First-Time Homebuyers W R I T T E N B Y: BRYAN KURZMAN BRANCH MANAGER / SR. MORTGAGE LOAN ORIGINATOR NMLS# 613453 TABLE OF CONTENTS: Step 1: Pre-Underwriting

More information

PRIMARY MEMBERSHIP GUIDE

PRIMARY MEMBERSHIP GUIDE PRIMARY MEMBERSHIP GUIDE JOIN FIA FIA is the leading global trade organization for the futures, options and centrally cleared derivatives markets, with offices in London, Singapore and Washington, DC.

More information

David E. Kaplan, CPA, CFA President

David E. Kaplan, CPA, CFA President Part 2A of Form ADV: Firm Brochure Item 1 Cover Page David E. Kaplan, CPA, CFA President December 31, 2017 This brochure provides information about the qualifications and business practices of Cottonwood

More information

The Future of Financial Advice. Jon Stein,

The Future of Financial Advice. Jon Stein, The Future of Financial Advice Jon Stein, CFA @jonstein Founded in 2010, Betterment is the largest independent robo- advisor. $8,000 $7,000 Our mission is to empower people to do what s best for their

More information

Your story is unique. Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you

Your story is unique. Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you Your story is unique Your Financial Advisor can work with Wells Fargo Private Bank to build a team designed around you Investment and Insurance Products: NOT FDIC Insured u NO Bank Guarantee u MAY Lose

More information

Covington & Associates, Inc. 597 Westfield Ave. Westfield, NJ 07090

Covington & Associates, Inc. 597 Westfield Ave. Westfield, NJ 07090 Covington & Associates, Inc. 597 Westfield Ave. Westfield, NJ 07090 (908) 232 4717 (908) 232 4708 FAX Firm Brochure (Part 2A of Form ADV) This brochure provides information about the qualifications and

More information

RBC Dominion Securities Inc. Client Risk Profile Questionnaire (CAD)

RBC Dominion Securities Inc. Client Risk Profile Questionnaire (CAD) Client Risk Profile Questionnaire (CAD) Introduction Preamble To work with you effectively in identifying and implementing an appropriate investment strategy, it is essential that we clearly understand

More information

Christopher A. Rea, CRPS. Corporate Retirement Director Financial Advisor

Christopher A. Rea, CRPS. Corporate Retirement Director Financial Advisor Christopher A. Rea, CRPS Corporate Retirement Director Financial Advisor 101 California Street 3rd Floor, San Francisco, CA 94111 415-693-6063 / MAIN 862-210-6072 / FAX https://fa.morganstanley.com/christopher.rea

More information

Fraser Valley Real Estate Board. Monthly Statistics Package

Fraser Valley Real Estate Board. Monthly Statistics Package Fraser Valley Real Estate Board Monthly Statistics Package July 2018 News Release Fraser Valley Real Estate Board For Immediate Release: August 2, 2018 Inventory builds as summer slowdown hits SURREY,

More information

City of Parkland. Strategic Plan. Parkland The place families call home.

City of Parkland. Strategic Plan. Parkland The place families call home. City of Parkland Strategic Plan Parkland The place families call home. May 2016 Table of Contents Page i Table of Contents Table of Contents Table of Contents... i Parkland Mission... 1 Methodology...

More information

About us and our services

About us and our services SUPERANNUATION ACCOUNTING SERVICES About us and our services S SUPERANNUATION ACCOUNTING A We designed our services with one objective in mind to take the stress and worry out of SMSF. Superannuation Accounting

More information

Seller Financing/Owner Carry Since Dodd-Frank. Scott Peterson, Esq.

Seller Financing/Owner Carry Since Dodd-Frank. Scott Peterson, Esq. Seller Financing/Owner Carry Since Dodd-Frank Scott Peterson, Esq. Financial Reform Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank ) Federal Government s response to our recent

More information

Construction projects: manage risk to achieve success

Construction projects: manage risk to achieve success Construction projects: manage risk to achieve success By: Gareth Byatt, Principal Consultant Risk Insight Consulting Date: 12 th August 2017 Summary: This Paper discusses risk management on construction

More information

Guide to buying your first home. July 2016

Guide to buying your first home. July 2016 Guide to buying your first home July 2016 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first

More information

INVESTMENT FORUM AN ADAPTIVE PORTFOLIO CONSTRUCTION APPROACH EDITION

INVESTMENT FORUM AN ADAPTIVE PORTFOLIO CONSTRUCTION APPROACH EDITION INVESTMENT FORUM AN ADAPTIVE PORTFOLIO CONSTRUCTION APPROACH 20 13 EDITION RISK MANAGEMENT An Adaptive Portfolio Construction Approach At Pioneer Investments, we believe that combining specialized investment

More information

First Time Home Buyer Guide. Are you ready to learn the steps to homeownership?

First Time Home Buyer Guide. Are you ready to learn the steps to homeownership? First Time Home Buyer Guide Are you ready to learn the steps to homeownership? Is this your first time going through the home buying process? If so, don t worry, this guide is designed to answer any questions

More information

FOR EMPLOYERS. Business Valuation. Proposal. Presented to Sample Company. Presented by <Producer Name> Based on financials from

FOR EMPLOYERS. Business Valuation. Proposal. Presented to Sample Company. Presented by <Producer Name> Based on financials from FOR EMPLOYERS Business Valuation Proposal Presented to Sample Company Presented by Based on financials from 2009-2011 BB9868SBVAL-07 t130719015x ML 13-004228 Important Notes These pages

More information

Investing As We Age. Key Highlights. Innovative Research Group, Inc. September 26, Prepared for: Toronto Vancouver

Investing As We Age. Key Highlights. Innovative Research Group, Inc. September 26, Prepared for: Toronto Vancouver Innovative Research Group, Inc. Toronto Vancouver www.innovativeresearch.ca Key Highlights Investing As We Age September 26, 2017 Prepared for: Investor Office Ontario Securities Commission 20 Queen Street

More information

Why Non-Profit Boards MUST Reduce Investment Costs and How They Can Do It

Why Non-Profit Boards MUST Reduce Investment Costs and How They Can Do It Why Non-Profit Boards MUST Reduce Investment Costs and How They Can Do It by Craig D. Price, CFP and Will Thompson, CFP, CFA Abstract: This white paper demonstrates the dramatic impact of investment fees

More information

Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings

Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Get there. Your way. Lifetime Retirement Planning with Wells Fargo Advisors 1 Guaranteed income for

More information

fisgard capital investment brochure building brighter financial futures

fisgard capital investment brochure building brighter financial futures fisgard capital investment brochure building brighter financial futures June 2017 from our ceo Welcome to a better way to invest. Value investing lets you know your money is well-invested and growing.

More information

Global banking outlook Transforming banking for the next generation

Global banking outlook Transforming banking for the next generation Global banking outlook Transforming banking for the next generation i Global banking outlook Leaner but larger? Transforming banking The next decade will bring both evolution and revolution for banks.

More information

SCHOOL OF AMERICAN BALLET, INC. FINANCIAL STATEMENTS AUGUST 31, 2012

SCHOOL OF AMERICAN BALLET, INC. FINANCIAL STATEMENTS AUGUST 31, 2012 FINANCIAL STATEMENTS INDEPENDENT AUDITORS REPORT To the Board of Directors of School of American Ballet, Inc. We have audited the accompanying statement of financial position of School of American Ballet,

More information

ACTRIS (ABoR) Loan Officer Program Overview

ACTRIS (ABoR) Loan Officer Program Overview ACTRIS (ABoR) Loan Officer Program Overview Research indicates that homebuyers are changing the way they search for a new home: 80% search and view Property Listings online (ie: via Realtor MLS, Search

More information

Form ADV Part 2A Brochure and Form ADV Part 2B Brochure Supplement

Form ADV Part 2A Brochure and Form ADV Part 2B Brochure Supplement Item 1 Cover Page Hutchinson & Ziegler Financial Advisors, Inc. Form ADV Part 2A Brochure and Form ADV Part 2B Brochure Supplement Updated: March 31, 2014 1010 B Street, Suite 325 San Rafael, CA 94901

More information

Investor Presentation

Investor Presentation Investor Presentation 2017 www.gerdau.com 1 Outlook Gerdau Highlights 2 Better outlook for steel consumption Region / Country (in mt and %) 2017f 17/16 World 1,535 1.3% European Union 158 0.5% NAFTA 135

More information

Pension Innovation. Hugh O Reilly President and Chief Executive Officer OPTrust

Pension Innovation. Hugh O Reilly President and Chief Executive Officer OPTrust Pension Innovation Hugh O Reilly President and Chief Executive Officer OPTrust About OPTrust A defined benefit and jointly sponsored pension plan With almost 90,000 members and retirees * 2016 Top 100

More information

The Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement

The Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement The Main Line Group at Morgan Stanley Helping Clients To and Through Retirement Two Town Place Suite 100, Bryn Mawr, PA 19010 855-598-6732 / toll-free 610-542-2944 / main 267-744-4100 / fax www.morganstanleyfa.com/themainlinegroup

More information

Northward Capital Australian Equity Trust Product Disclosure Statement

Northward Capital Australian Equity Trust Product Disclosure Statement Northward Capital Australian Equity Trust Product Disclosure Statement 10 August 2009 Northward Capital Pty Limited (ABN 97 113 618 938) (AFSL 294368), investment manager of the Trust. This Product Disclosure

More information

Speaker Biographies. Andrea Brookes Senior Benefits Consultant, Sentinel Benefits & Financial Group

Speaker Biographies. Andrea Brookes Senior Benefits Consultant, Sentinel Benefits & Financial Group Speaker Biographies Andrea Brookes Senior Benefits Consultant, Sentinel Benefits & Financial Group Andrea is a Senior Benefits Consultant at Sentinel Benefits & Financial Group with more than ten years

More information

SEEKING A BALANCE OF SAFETY AND TOTAL RETURN

SEEKING A BALANCE OF SAFETY AND TOTAL RETURN SEEKING A BALANCE OF SAFETY AND TOTAL RETURN PRUDENTIAL SHORT-TERM CORPORATE BOND FUND, INC. MORNINGSTAR OVERALL RATING Class R Class A, Q, and Z Positive performance in the past 26 out of 27 years Portfolio

More information

Investor Presentation December 2014

Investor Presentation December 2014 Investor Presentation December 2014 Disclaimer FORWARD LOOKING STATEMENTS The statements contained in this presentation include statements concerning our expectations, beliefs, plans, objectives, goals,

More information

Envestnet to Acquire PIEtech Creator of MoneyGuide. Investor Presentation

Envestnet to Acquire PIEtech Creator of MoneyGuide. Investor Presentation Envestnet to Acquire PIEtech Creator of MoneyGuide Investor Presentation March 14, 2019 Safe Harbor Disclosure This presentation contains forward-looking statements. These forward-looking statements include,

More information

Investor Presentation

Investor Presentation Investor Presentation 2017 www.gerdau.com 1 Outlook Gerdau Highlights 2 Better outlook for steel consumption Region / Country (in mt and %) 2017f 17/16 World 1,535 1.3% European Union 158 0.5% NAFTA 135

More information

Copyright Top Agent Magazine

Copyright Top Agent Magazine ANTHONY MUSCARELLA When Anthony Muscarella joined Advisors Mortgage Group in 2006, the company had only an emerging local presence in New Jersey. Advisors Mortgage has since grown to a multi-state mortgage

More information

STRATEGIC PLAN

STRATEGIC PLAN 3 LOS ANGELES FIRE AND POLICE PENSIONS Three-Year 2015-18 STRATEGIC PLAN To Serve Those Who Protect Board of Fire and Police Pension Commissioners Fiscal Year 2015-16 Robert von Voigt President Elected

More information

New Stable Value Fund Coming Soon to Your 401(k) Plan.

New Stable Value Fund Coming Soon to Your 401(k) Plan. New Stable Value Fund Coming Soon to Your 401(k) Plan. The Kohler Co. 401(k) Savings Plan Announcing an important change to the Kohler Co. 401(k) Savings Plan fund lineup. Take time to understand the change

More information

AIMS AMP CAPITAL INDUSTRIAL REIT MANAGEMENT LIMITED

AIMS AMP CAPITAL INDUSTRIAL REIT MANAGEMENT LIMITED AIMS AMP CAPITAL INDUSTRIAL REIT MANAGEMENT LIMITED As Manager of AIMS AMP Capital Industrial REIT 1 Raffles Place, #21-01 One Raffles Place Singapore 048616 (Constituted in the Republic of Singapore pursuant

More information

CRA Working Group. June 14 th, 2018

CRA Working Group. June 14 th, 2018 CRA Working Group June 14 th, 2018 Call Details CRA Working Group June 14 th, 2018 Event password: CRA2018 Conference line: 240-454-0879 Meeting number: 660 787 180 *Today s call will be recorded and made

More information

Deutsche Small Cap Value Fund

Deutsche Small Cap Value Fund SUPPLEMENT TO THE CURRENTLY EFFECTIVE PROSPECTUS AND SUMMARY PROSPECTUS The previously scheduled shareholder meeting to approve the merger of the (the Fund ) into Deutsche Small Cap Core Fund has been

More information

FINANCIAL STATEMENT ANALYSIS JOHN WILD

FINANCIAL STATEMENT ANALYSIS JOHN WILD page 1 / 5 page 2 / 5 financial statement analysis john pdf Financial statement analysis (or financial analysis) is the process of reviewing and analyzing a company's financial statements to make better

More information

Rich Dad, Poor Dad Robert Kiyosaki and Sharon Lechter, 1997

Rich Dad, Poor Dad Robert Kiyosaki and Sharon Lechter, 1997 Rich Dad, Poor Dad Robert Kiyosaki and Sharon Lechter, 1997 This is the first book in the series that launched American Robert Kiyosaki to the top of the wealth writing, speaking and how to teach your

More information

IDENTIFYING SMALL BALANCE COMMERCIAL LOAN OPPORTUNITIES

IDENTIFYING SMALL BALANCE COMMERCIAL LOAN OPPORTUNITIES IDENTIFYING SMALL BALANCE COMMERCIAL LOAN OPPORTUNITIES Rebecca Kasow VP, Commercial Lending November 7th, 2017 Nexera Holding LLC dba Newfi Lending Managing your webinar interface Your Participation Open

More information

Get more from your account statement

Get more from your account statement Get more from your account statement Get more from your account statement Determining whether your investments are helping you work toward your financial goals requires that you stay informed regarding

More information

Deutsche International Growth Fund (formerly Deutsche Global Growth Fund)

Deutsche International Growth Fund (formerly Deutsche Global Growth Fund) Summary Prospectus December, 207 Deutsche International Growth Fund (formerly Deutsche Global Growth Fund) Class/Ticker A SGQAX C SGQCX R SGQRX R6 SGQTX INST SGQIX S SCOBX Before you invest, you may want

More information

YOUR GUIDE TO STRATEGIC PROPERTY INVESTMENT. Unlock your next investment opportunity

YOUR GUIDE TO STRATEGIC PROPERTY INVESTMENT. Unlock your next investment opportunity YOUR GUIDE TO STRATEGIC PROPERTY INVESTMENT Unlock your next investment opportunity Sound Property Group We are a property investment and education company specialised in sourcing strategic real estate

More information

Subsequent Years Distribution* Initial

Subsequent Years Distribution* Initial ¹A premium occurs when an underlying fund s market price is higher than its, and a discount occurs when an underlying fund s market price is lower than its. CUSIPs Fee CUSIPs Ticker Income Target Global

More information

Global Wealth Management Market: Size, Trends & Forecasts ( ) June 2018

Global Wealth Management Market: Size, Trends & Forecasts ( ) June 2018 Global Wealth Management Market: Size, Trends & Forecasts (2018-2022) June 2018 Global Wealth Management Market: Coverage Executive Summary and Scope Introduction/Market Overview Global Market Analysis

More information

DWS MassachusettsTax-Free Fund DWS Mid Cap Value Fund

DWS MassachusettsTax-Free Fund DWS Mid Cap Value Fund SUPPLEMENT TO THE CURRENTLY EFFECTIVE PROSPECTUSES, SUMMARY PROSPECTUSES AND STATEMENTS OF ADDITIONAL INFORMATION OF EACH OF THE LISTED FUNDS Class T shares are not available for purchase. DWS MassachusettsTax-Free

More information

BLX Group LLC. 777 S. Figueroa St., Suite Los Angeles, California CRD Number

BLX Group LLC. 777 S. Figueroa St., Suite Los Angeles, California CRD Number BLX Group LLC 777 S. Figueroa St., Suite 3200 Los Angeles, California 90017 213-612-2200 www.blxgroup.com CRD Number 111923 March 27, 2018 Form ADV, Part 2A This Brochure provides information about the

More information

Make an important contribution to the effective regulation of the financial services sector to support economic stability of B.C.

Make an important contribution to the effective regulation of the financial services sector to support economic stability of B.C. Superintendent of Financial Institutions/Superintendent of Pensions/Registrar of Mortgage Brokers/CEO of Credit Union Deposit Insurance Corporation (CUDIC) Ministry of Finance Vancouver, B.C. Make an important

More information

Common Pitfalls in Investing

Common Pitfalls in Investing Common Pitfalls in Investing NASCUS State Summit September 12, 2012 CUNA Mutual Group Proprietary Reproduction, Adaptation or Distribution Prohibited CUNA Mutual Group A Look in the Rear View Mirror Housing

More information

Forward-Looking Information

Forward-Looking Information 2017 Year in Review Forward-Looking Information This presentation contains, and future oral and written statements of the Company and its management may contain, forward-looking statements within the meaning

More information

BUSINESS & ACTION PLAN FOR

BUSINESS & ACTION PLAN FOR 2016 BUSINESS & ACTION PLAN FOR REALTY EXECUTIVES COMPANY NAME REALTY EXECUTIVES, Page 2 I. EXECUTIVE SUMMARY The plan describes the objectives and strategies for the continued development of REALTY EXECUTIVES

More information

WHAT S SO SPECIAL? Mastering Special. Purpose Entities

WHAT S SO SPECIAL? Mastering Special. Purpose Entities WHAT S SO SPECIAL? Mastering Special Purpose Entities What is an SPE, and how is it different from a subsidiary company? A special purpose entity (SPE), sometimes called a special purpose vehicle (SPV),

More information

New Zealand Certificate in Financial Services Programme

New Zealand Certificate in Financial Services Programme New Zealand Certificate in Financial Services Programme Level 5 This programme is specifically designed for individuals who are working in the financial services industry and who want New Zealand AFA status

More information

NATIONWIDE MORTGAGE COLLABORATIVE NONPROFIT MEMBER APPLICATION

NATIONWIDE MORTGAGE COLLABORATIVE NONPROFIT MEMBER APPLICATION NONPROFIT MEMBER APPLICATION Organization: Contact Person: Address: Telephone: Nonprofit NMC Readiness Assessment: 1. Does the organization have a strategic plan to increase your homeownership line of

More information

Launching a New Line of Business to Serve Plan Sponsors and Their Participants

Launching a New Line of Business to Serve Plan Sponsors and Their Participants PROFILES IN EVOLVING BUSINESS MODELS Launching a New Line of Business to Serve Plan Sponsors and Their Participants An advisory firm formalizes its support for retirement plans to diversify its revenue

More information

Institutional Class. Wells Fargo Small Company Value Fund

Institutional Class. Wells Fargo Small Company Value Fund Prospectus May 1, 2018 U.S. Equity Funds Fund Wells Fargo Small Company Value Fund Institutional Class SCVNX As with all mutual funds, the U.S. Securities and Exchange Commission ("SEC") has not approved

More information

Comprehensive Retirement Plan Services Presented Exclusively for: Sample Corporation

Comprehensive Retirement Plan Services Presented Exclusively for: Sample Corporation Comprehensive Retirement Plan Services Presented Exclusively for: Sample Corporation Today s Agenda Who we are Our mission, values, and team Scope of services Due diligence, education, fiduciary fitness,

More information

Girl Advisory Board. Have Questions About GAB?

Girl Advisory Board. Have Questions About GAB? Girl Advisory Board Want to meet other older Girls Scouts from our Council or service unit? Do you have ideas about events you would like to see Council or your service unit offer for older girls? If so,

More information