MAKING THE CHOICE TO OUTSOURCE. Leveraging third parties to help you stay focused on clients

Size: px
Start display at page:

Download "MAKING THE CHOICE TO OUTSOURCE. Leveraging third parties to help you stay focused on clients"

Transcription

1 MAKING THE CHOICE TO OUTSOURCE Leveraging third parties to help you stay focused on clients

2 Why is TD Ameritrade Institutional making this information available to you? At TD Ameritrade Institutional we are committed to helping Advisors be successful. We continually look for ways to bring thought leadership and best practices ideas to you in order to support your business growth and success. We know how hard you work, and that sometimes it can be difficult to navigate some of the complexities in your business. Although the information included in this document isn t tailored to the circumstances of a particular Advisor, we hope you find it educational, informative, and that it will help you identify opportunities in your business. How should I use this information? TD Ameritrade intends for this information to provide a general overview about the topics covered and to help you identify opportunities in your practice and important issues you should consider in developing a marketing strategy. Because TD Ameritrade Institutional does not provide legal, tax, or compliance advice, this information is not intended to be relied upon as such. While TD Ameritrade Institutional hopes that you find this information educational and thought-provoking, you need to determine whether the information is appropriate and applicable to you and your firm. You should consult with attorneys or compliance experts that understand your particular circumstances before utilizing any of the ideas presented here in your practice. 2

3 There s a value in outsourcing. The efficiency you get from it is something you need. As an independent RIA, you probably find yourself wearing a lot of hats. One minute, you re a financial advisor. The next, an office manager who has to juggle HR, marketing, and IT roles. All of this might leave you wishing you had more time to dedicate to the most important part of your job: serving clients. Kevin T. Grimes, CFA, CFP President and Chief Investment Officer Grimes & Company Good news: There s plenty of help available. By outsourcing certain aspects of your business, you can spend more time and energy on managing your clients portfolios and making sure they get the dedication you want to provide. 3

4 The freedom to choose Being an independent RIA means you get to decide what you keep inhouse and what you outsource. Unlike large brokerage firms that deploy captive technology platforms, compliance procedures, and in-house support departments, independent RIAs are free to choose from a variety of quality providers. And, outsourced help can be temporary: You may just need someone to develop your website, assist you during a busy season, or consult on an IT issue. Don t be afraid to spend money [on outside vendors]. Whatever you spend, just measure your ROI. What are you going to get back? OUTSOURCING BY THE NUMBERS According to a study TD Ameritrade conducted in conjunction with Market Strategies International, 71% of Advisors outsource at least one function % outsource back-office functions Dean Barber, RFC, AIF CEO Barber Financial Group 58 % outsource investment/asset management functions 54 % outsource marketing and practice management functions 1 Market Strategies International,

5 An investment in expertise Don t think of outsourcing as a frivolous or unnecessary cost. It s an investment in expert resources and advice that ultimately may help you provide a better client experience. Below are a few commonly outsourced functions. TECHNOLOGY Many independent RIAs choose to outsource their technology platforms. The tools you use most frequently might integrate well with one another, or not, so you need to be selective with the exact suite of programs that work for you. We outsource quite a bit on the technology side: We ve outsourced portfolio analytics and trading, and that platform really helped us leapfrog from a service perspective. INVESTMENT MANAGEMENT Many independent RIAs choose to outsource the work of investment management to third-party asset management platforms, also known as TAMPs, which take over full discretion of investment management and sharing of fiduciary responsibility in exchange for overlay fees. 27% of Advisors said their top reason for outsourcing investment management functions was that it allowed them to focus on other tasks and save time. 1 Matthew D. Kane President and Principal Compass Ion Advisors, LLC PRACTICE MANAGEMENT Maybe you d like help in managing your firm s day-to-day operations. This could mean outsourcing HR capabilities, such as employee benefits and recruiting. Or perhaps you want to consider using a virtual assistant rather than hiring a full-time staff member. 5

6 MARKETING Some firms employ a full-time marketing employee or team, but you can also seek outside help. And, one entity doesn t have to do it all; shop around to select experts who are proficient in the exact services you re seeking. BACK-OFFICE ACTIVITIES The functions that help your company run smoothly might not need to reside on-site. You can engage third parties to manage your IT, CRM software, workflow, or other efficiency measures. Asking the right questions You ll want to spend some time figuring out what makes the most sense for you to retain in-house and what you want to explore outsourcing. A few questions to get you started: We work with a firm who oversees our marketing efforts; we have a group that has done our website and is working with us on our web presence. And, we have someone who works with us on social media and our marketing calendar. Is there an area of expertise not currently housed in my firm that my clients need? Do I have the necessary talent in-house? If so, do the people who possess it have the bandwidth? If I choose to outsource a function, how else will I use that in-house personnel? How much will it cost? Todd Resnick, CFP Co-Founder and President One Seven How will this benefit my clients? 6

7 Finding an outsourcing partner Of course, you ll want to spend time researching and selecting an appropriate vendor for the business you want to outsource. A couple of places to start: CENTERS OF INFLUENCE: Trusted industry partners and contacts who refer business to you via word of mouth may be able to offer recommendations, based on their own partnerships. AFFINITY SERVICES PROGRAM: TD Ameritrade Institutional s Affinity Services Program connects Advisors with more than 150 third-party providers who can offer expertise in a wide variety of solutions independent RIAs commonly outsource. Connect with any of these providers on your own, or talk to one of our Strategic Relationship Consultants to determine which would be the right fit for your business. Affinity Services Providers offer expertise in areas including: Growth (marketing, branding, lead generation) Wealth management (charitable giving, 401(k) administration, portfolio analysis) Efficiency (back-office support, outsourced IT, workflow integration) Client experience (segmentation, financial solutions, caregiving support) Risk management (ERISA bonds, errors and omissions, risk analytics) Human capital (mergers and acquisitions [M&A], coaching and staffing, employee benefits) You re not supposed to be an expert in everything. Outsourcing certain tasks, projects, or functions might make you a better, more well-rounded firm. Spend some time thinking about how to integrate third-party expertise and resources into your business so that you can focus on what matters most providing great service to your clients. 7

8 Access to Affinity Services Program vendors is provided solely as a service to independent Advisors using the brokerage, execution and custody services of TD Ameritrade Institutional. These services are offered at a discount directly through the participating vendors. Participating vendors are independent and are not employees or agents of TD Ameritrade. TD Ameritrade does not guarantee nor is it responsible for the quality or accuracy of any vendor s product or service. In no instance should the listing of a vendor be construed as a recommendation or endorsement by TD Ameritrade. Furthermore, TD Ameritrade does not recommend or endorse any security described by any vendor. Advisors have not received remuneration for participation in providing testimonials. Advisor testimonials may not represent the experience of all Advisors using TD Ameritrade brokerage services. The Advisors mentioned are not affiliated with TD Ameritrade Institutional. TD Ameritrade does not recommend or endorse any Advisor that utilizes its brokerage or custodial services. More information about the Advisors is available on the SEC website. TD Ameritrade and all third parties mentioned are separate and unaffiliated and are not responsible for each other s policies or services. TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank TD Ameritrade.

Become an RIA with minimal client disruption

Become an RIA with minimal client disruption Perspective Become an RIA with minimal client disruption Protecting your clients during a transition Minimizing transitional disruption You ve worked hard to build a strong base of loyal clients who trust

More information

Using Unitized Managed Accounts in 401(k) Plans

Using Unitized Managed Accounts in 401(k) Plans Content provided by Using Unitized Managed Accounts in 401(k) Plans by Fred Reish and Bruce Ashton Compliments of Why is TD Ameritrade Institutional making this information available to you? At TD Ameritrade

More information

TD Ameritrade Retirement Plan Provided by TD Ameritrade Trust Company

TD Ameritrade Retirement Plan Provided by TD Ameritrade Trust Company Retirement Plan Solutions TD Ameritrade Retirement Plan Provided by TD Ameritrade Trust Company A solution that delivers outstanding investment flexibility and ease of administration all from a recognized

More information

TD Ameritrade Institutional, Division of TD Ameritrade, Inc.TD Ameritrade, Inc., member FINRA/SIPC/NFA, is a subsidiary of TD Ameritrade Holding

TD Ameritrade Institutional, Division of TD Ameritrade, Inc.TD Ameritrade, Inc., member FINRA/SIPC/NFA, is a subsidiary of TD Ameritrade Holding TD Ameritrade Institutional, Division of TD Ameritrade, Inc.TD Ameritrade, Inc., member FINRA/SIPC/NFA, is a subsidiary of TD Ameritrade Holding Corporation. TD Ameritrade is a trademark jointly owned

More information

Tech/Ops agenda. Wednesday, February 6

Tech/Ops agenda. Wednesday, February 6 Tech/Ops agenda Need help finding the right tech, making the most of what you already have or streamlining your daily operations? We ve got you covered with sessions and other experiences to help you drive

More information

TD Ameritrade Institutional s Technology Triple Threat

TD Ameritrade Institutional s Technology Triple Threat TD Ameritrade Institutional s Technology Triple Threat Bob Mahoney, Director, Technology Solutions This material is designed for an investment professional audience, primarily Registered Investment Advisors

More information

The DOL Fiduciary Rule. Questions & answers by Fred Reish. Retirement Plan Solutions. Content provided by. Compliments of

The DOL Fiduciary Rule. Questions & answers by Fred Reish. Retirement Plan Solutions. Content provided by. Compliments of Retirement Plan Solutions Content provided by The DOL Fiduciary Rule by Fred Reish Compliments of The law and analysis contained in these questions and answers are current as of June 2016, are general

More information

How to Have the Best Group Practice Retirement Plan

How to Have the Best Group Practice Retirement Plan How to Have the Best Group Practice Retirement Plan [Editor s Note: This is a guest post from Konstantin Litovsky, a blog advertiser and the founder Litovsky Asset Management, a wealth management firm

More information

Custodian Information. TD Ameritrade and you. Providing your financial advisor with solutions and resources to help you pursue financial success.

Custodian Information. TD Ameritrade and you. Providing your financial advisor with solutions and resources to help you pursue financial success. Custodian Information TD Ameritrade and you Providing your financial advisor with solutions and resources to help you pursue financial success. Our mission is to support the relationship between you and

More information

Determining Compensation: Operations Manager

Determining Compensation: Operations Manager Determining Compensation: Operations Manager Excerpt from Adding the Dedicated Management Position Guidebook AT A GLANCE Compensation is a central pillar of human capital management, and when compensation

More information

Making decisions that will affect your life and the lives of those you care about is a deeply personal experience.

Making decisions that will affect your life and the lives of those you care about is a deeply personal experience. TD Wealth Making decisions that will affect your life and the lives of those you care about is a deeply personal experience. At TD, we believe that each client s needs and goals are truly unique, and that

More information

WHEN SHOULD AN RIA TRANSACT (OR NOT)?

WHEN SHOULD AN RIA TRANSACT (OR NOT)? Market Backdrop WHEN SHOULD AN RIA TRANSACT (OR NOT)? While the severe economic and market downturn of 2008-2009 affected a wide array of sectors, the asset and wealth management industry may have been

More information

TD AMERITRADE TDA 1887: Veo Open Access Animation. 11/22/11 Storyboard v 4.0

TD AMERITRADE TDA 1887: Veo Open Access Animation. 11/22/11 Storyboard v 4.0 TD AMERITRADE TDA 1887: Veo Open Access 11/22/11 Storyboard v 4.0 1. : Static Screen Experience Truly Open Integration 2. : Show text on the screen Have more control over your technology solution. 3. :

More information

How Financial Advisors Get Paid and

How Financial Advisors Get Paid and How Financial Advisors Get Paid and Why it Matters to You January 2012 Helping you take care of your money so you can do more of what you love! How Financial Advisors Get Paid and Why It Matters to You

More information

THE COMMONWEALTH CHOICE A Partnership That Benefits You

THE COMMONWEALTH CHOICE A Partnership That Benefits You THE COMMONWEALTH CHOICE A Partnership That Benefits You Because there are so many financial advisors out there, you re free to choose the one you believe is best suited to help you meet your objectives

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

Key employee retention and retirement. Key employee benefits can be your key to success

Key employee retention and retirement. Key employee benefits can be your key to success Key employee retention and retirement Key employee benefits can be your key to success 1 The right benefits can make all the difference Take a moment to think about the success of your business. How much

More information

Pre-Think Your Estate Plan

Pre-Think Your Estate Plan SOUND INCOME STRATEGIES, LLC The secret to a great retirement is our middle name Pre-Think Your Estate Plan Your Guide to Saving Your Family and Beneficiaries from Unnecessary Grief and Taxes Inside: 10

More information

Unified Managed Account Exchange UMAX - Envestnet. How-To Guide for Registered Investment Advisors

Unified Managed Account Exchange UMAX - Envestnet. How-To Guide for Registered Investment Advisors Unified Managed Account Exchange UMAX - Envestnet How-To Guide for Registered Investment Advisors 2017 TABLE OF CONTENTS I. INTRODUCTION... 1 What Is UMAX - Envestnet?... 1 How Can UMAX - Envestnet Help

More information

THE COMMONWEALTH ALLIANCE PROGRAM WHY IT ADDS UP TO WORK WITH US

THE COMMONWEALTH ALLIANCE PROGRAM WHY IT ADDS UP TO WORK WITH US THE COMMONWEALTH ALLIANCE PROGRAM WHY IT ADDS UP TO WORK WITH US The Bridgeway Group Matthew B. Dupon, CFP, AIF Sean A. Montgomery, CFP Theresa M. Mahoney 301 E Colorado Blvd, Suite 500 Pasadena, CA 91101

More information

Our mission is to support the relationship between you and your advisor by providing security of your assets and the best service, technology, and pro

Our mission is to support the relationship between you and your advisor by providing security of your assets and the best service, technology, and pro TD Ameritrade And You Providing your financial advisor with solutions and resources to help you achieve financial success. Our mission is to support the relationship between you and your advisor by providing

More information

Separate Account Exchange. How-To Guide for Investment Managers

Separate Account Exchange. How-To Guide for Investment Managers Separate Account Exchange How-To Guide for Investment Managers Table of Contents I. INTRODUCTION... 1 II. INVESTMENT MANAGER APPROVAL PROCESS... 1 III. THE SEPARATE ACCOUNT EXCHANGE (SAE) ROSTER... 2 IV:

More information

Benefit from a new fiduciary approach

Benefit from a new fiduciary approach RUSSELL INVESTMENTS DEFINED CONTRIBUTION FIDUCIARY OUTSOURCING SERVICES Benefit from a new fiduciary approach INVESTED. TOGETHER. New challenges require new solutions In a world where many employees will

More information

Rookie Mistake #7. What is a Capitalization Table and what does it say about my Company?

Rookie Mistake #7. What is a Capitalization Table and what does it say about my Company? THE TECHNOLOGY VENTURE ALLIANCE Rookie Mistake #7 What is a Capitalization Table and what does it say about my Company? The Mistake Entrepreneurs are often confused when a potential investor asks to see

More information

A guide to the fiduciary role in a retirement plan

A guide to the fiduciary role in a retirement plan Retirement Plan Solutions Content provided by: Compliments of TD Ameritrade Institutional A guide to the fiduciary role in a retirement plan Understanding your status, supporting plan sponsors as fiduciaries,

More information

BECOME THE KEY TO YOUR CLIENTS WEALTH PRESERVATION

BECOME THE KEY TO YOUR CLIENTS WEALTH PRESERVATION COVER STORY BECOME THE KEY TO YOUR CLIENTS WEALTH PRESERVATION HOW TO USE LPL S HELP TO LEAVE NO OPPORTUNITY BEHIND PLAN 32 LPL Magazine Winter 2016 Only 18% of affluent investors are receiving estate

More information

Fidelity Podcast: Eric Dowley, Health Savings Accounts

Fidelity Podcast: Eric Dowley, Health Savings Accounts Fidelity Podcast: Eric Dowley, Health Savings Accounts MIKE SHAMRELL: Welcome, everyone. Thanks for joining. This is the Fidelity Podcast Series. I m your host, Mike Shamrell. Today we are joined by Eric

More information

INVESTMARK 3(21) FIDUCIARY SERVICES PROGRAM

INVESTMARK 3(21) FIDUCIARY SERVICES PROGRAM INVESTMARK 3(21) FIDUCIARY SERVICES PROGRAM The Investmark 3(21) Service is a Co Fiduciary solution which provides plan fiduciaries with a proven partner to assist in fulfilling the fiduciary obligations

More information

[ PURCHASE AT A DISCOUNT ]

[ PURCHASE AT A DISCOUNT ] [ ABOUT THE COMPLIANCE SOLUTIONS REPORT ] The Financial Planning Association (FPA) and ActiFi are proud to announce the completion of the third of a planned total of seven technology reports: the Compliance

More information

2015 Plan Sponsor Sentiment Survey. December 2015

2015 Plan Sponsor Sentiment Survey. December 2015 2015 Plan Sponsor Sentiment Survey December 2015 Table of Contents Study Overview 3 Executive Summary 4 Detailed Findings RIAs and Plan Sponsors 6 Retirement Plan Priorities 14 Regulatory Matters 21 Appendix:

More information

Learn More About: Glass Jacobson Financial Group 401(k) Plan Services

Learn More About: Glass Jacobson Financial Group 401(k) Plan Services Learn More About: Glass Jacobson Financial Group 401(k) Plan Services NAVIGATING THE PATH TO FINANCIAL SUCCESS Glass Jacobson has played a proactive role in creating financial success for businesses and

More information

TAX LAW WHAT THE NEW HOW TO MAXIMIZE YOUR VALUE AS A FINANCIAL ADVISOR AND BUSINESS OWNER UNDER THE NEW TAX LAW MEANS FOR YOU

TAX LAW WHAT THE NEW HOW TO MAXIMIZE YOUR VALUE AS A FINANCIAL ADVISOR AND BUSINESS OWNER UNDER THE NEW TAX LAW MEANS FOR YOU WHAT THE NEW TAX LAW HOW TO MAXIMIZE YOUR VALUE AS A FINANCIAL ADVISOR AND BUSINESS OWNER UNDER THE NEW TAX LAW MEANS FOR YOU advice. The tax LPL Financial does not give tax or legal advice. Individuals

More information

YOUR 401(k) PLAN MADE EASY RETIREMENT SAVINGS PLAN

YOUR 401(k) PLAN MADE EASY RETIREMENT SAVINGS PLAN YOUR 401(k) PLAN MADE EASY RETIREMENT SAVINGS PLAN As a member of the Association, you instantly access the benefits of leveraged expertise in the construction industry, regulatory representation, and

More information

DocuSign /Laser App Anywhere

DocuSign /Laser App Anywhere User Guide DocuSign /Laser App Anywhere TD Ameritrade Institutional versions Get Started Guide Get started with DocuSign and Laser App Anywhere Thank you for your interest in the TD Ameritrade Institutional

More information

TD AMERITRADE Holding Corporation

TD AMERITRADE Holding Corporation www.amtd.com TD AMERITRADE Holding Corporation TD AMERITRADE Holding Corporation, through its brokerage subsidiaries, (1) combines innovative trading technology, easy-to-use and understand trading tools,

More information

CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN

CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN CHOOSE TO SIMPLIFY... AND IMPROVE... YOUR COMPANY RETIREMENT PLAN TM By choosing ECCA PayrollPlus, you instantly access the benefits of leveraged expertise in payroll & tax administration. Now do the

More information

TD Ameritrade Institutional 2019 RIA Sentiment Survey

TD Ameritrade Institutional 2019 RIA Sentiment Survey TD Ameritrade Institutional 2019 RIA Sentiment Survey January 8, 2019 This material is designed for an investment professional audience, primarily Registered Investment Advisors (RIAs). TD Ameritrade Institutional,

More information

What You Need To Know About the Pass-Through Income Deduction

What You Need To Know About the Pass-Through Income Deduction What You Need To Know About the Pass-Through Income Deduction [Update after publication: The original post included an error which affected a great deal of the post and its recommendations. It has now

More information

Questions to Ask Your Financial Advisor

Questions to Ask Your Financial Advisor Questions to Ask Your Financial Advisor About Him or Her Are you acting in a fiduciary capacity? If not, why not? What is your education and background? How long have you been practicing? Are you registered

More information

401(k) FIND OUT ABOUT

401(k) FIND OUT ABOUT PLAN SPONSOR GUIDE FIDELITY Advisor-Delivered 401(k) FIND OUT ABOUT (SEE PAGE 5) THE VALUE OF AN ADVISOR. THE STRENGTH OF FIDELITY. Sponsoring a retirement plan can be complex. What you want from your

More information

Americans & Taxes: An Individual Investor Survey

Americans & Taxes: An Individual Investor Survey Americans & Taxes: An Individual Investor Survey Investors weigh in on the new Tax Cuts & Jobs Act March 1, 2018 TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade

More information

Defined Contribution Pension Solutions Supporting you on every step of the journey

Defined Contribution Pension Solutions Supporting you on every step of the journey Intended for pension fund trustees and their investment consultants only. Not to be distributed to pension scheme members. Defined Contribution Pension Solutions Supporting you on every step of the journey

More information

2017 Break Away to Independence Survey. December 18, 2017

2017 Break Away to Independence Survey. December 18, 2017 2017 Break Away to Independence Survey December 18, 2017 About the Survey TD Ameritrade Institutional set out to understand what motivates and influences seasoned financial advisors at full service broker-dealers

More information

The Limited Liability Company Guidebook

The Limited Liability Company Guidebook The Limited Liability Company Guidebook Copyright 2017, Breglio Law Office, LLC Breglio Law Office 234 E 2100 South Salt Lake City, UT 84115 (801) 560-2180 admin@bregliolaw.com Thanks for taking some time

More information

CONSTRUCTION INDUSTRY ADVISOR

CONSTRUCTION INDUSTRY ADVISOR Fall 2017 CONSTRUCTION INDUSTRY ADVISOR Year-end tax planning Explore 2017 s key areas Does your company need a controller or CFO? New AIA contracts emphasize insurance requirements Reviewing retainage,

More information

Plan Participants: The Key to Developing Your Retirement Business

Plan Participants: The Key to Developing Your Retirement Business WORKSITE FINANCIAL SOLUTIONS Plan Participants: The Key to Developing Your Retirement Business Worksite Financial Solutions White Paper Executive Summary Table of Contents: 3 The Trouble with the Status

More information

401(k) Advisory Services

401(k) Advisory Services 401(k) Advisory Services Carl Grund III, CFP, AIF, CPWA Financial Advisor Signature Financial Partners, LLC 8607 Westwood Center Drive 3rd Floor Vienna, VA 22182 t: (703) 287-7128 f: (703) 893-4595 cgrund@sfpfinancial.com

More information

UNIT 6 1 What is a Mortgage?

UNIT 6 1 What is a Mortgage? UNIT 6 1 What is a Mortgage? A mortgage is a legal document that pledges property to the lender as security for payment of a debt. In the case of a home mortgage, the debt is the money that is borrowed

More information

BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM

BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM BINARY OPTIONS: A SMARTER WAY TO TRADE THE WORLD'S MARKETS NADEX.COM CONTENTS To Be or Not To Be? That s a Binary Question Who Sets a Binary Option's Price? And How? Price Reflects Probability Actually,

More information

THE FUTURE IS FIDUCIARY

THE FUTURE IS FIDUCIARY THE FUTURE IS FIDUCIARY INSIDE: Why acting as a fiduciary and taking a lifecycle approach to wealth management can help build trust and deepen relationships POSITION YOUR PRACTICE TO UPHOLD CLIENTS BEST

More information

11 Biggest Rollover Blunders (and How to Avoid Them)

11 Biggest Rollover Blunders (and How to Avoid Them) 11 Biggest Rollover Blunders (and How to Avoid Them) Rolling over your funds for retirement presents a number of opportunities for error. Having a set of guidelines and preventive touch points is necessary

More information

Workplace pensions Frequently asked questions. This leaflet answers some of the questions you may have about workplace pensions

Workplace pensions Frequently asked questions. This leaflet answers some of the questions you may have about workplace pensions Workplace pensions Frequently asked questions This leaflet answers some of the questions you may have about workplace pensions July 2013 Page 1 of 16 About workplace pensions Q1. Is everyone being enrolled

More information

How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money WEALTH

How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money WEALTH How to Control Your Own Destiny, Generate More Fees and Explode Your Wealth By Structuring Your Own Deals Using Little of Your Own Money A Business Designed for Brokers That ll Increase Your Fees and Explode

More information

Asset Protection. A planning, conversation, and resource guide

Asset Protection. A planning, conversation, and resource guide Asset Protection A planning, conversation, and resource guide LOREM IPSUM A PLANNING, CONVERSATION, AND RESOURCE GUIDE Use this guide to help create a plan for protecting those you love and what you have.

More information

One pathway to more personalized investment portfolios

One pathway to more personalized investment portfolios Self-Directed Plan Services One pathway to more personalized investment portfolios Self-Directed Brokerage Accounts Content provided by Integrated Retirement Initiatives, LLC Compliments of Table of contents

More information

USAA s Unique Strategy for the Advisor Market

USAA s Unique Strategy for the Advisor Market USAA s Unique Strategy for the Advisor Market May 15, 2017 by Robert Huebscher Keith Sloane serves as head of third-party distribution for USAA Investments. Mr. Sloane previously served as a senior vice

More information

CONSTRUCTION INSIDER. Winter 2018

CONSTRUCTION INSIDER. Winter 2018 CONSTRUCTION INSIDER Winter 2018 DOES YOUR COMPANY NEED A CONTROLLER OR CFO? NEW AIA CONTRACTS EMPHASIZE INSURANCE REQUIREMENTS REVIEWING RETAINAGE, IN CONCEPT AND PRACTICE HENDERSON HUTCHERSON & MCCULLOUGH,

More information

Users Guide for SA expats Saving and investing in the UK

Users Guide for SA expats Saving and investing in the UK Users Guide for SA expats Saving and investing in the UK The decision to move to the UK is not an easy one, and as we explained in our previous Users Guide for SA expats expat money matters sorted, the

More information

This is the Human-Centric Investing Podcast with John Diehl, where we look at the world of investing for the eyes of our clients. Take it away, John.

This is the Human-Centric Investing Podcast with John Diehl, where we look at the world of investing for the eyes of our clients. Take it away, John. Human-Centric Investing Podcast February 2, 2019 Episode 25, Social Security: How will benefits be taxed? Host: John Diehl, John Diehl, Sr. Vice President, Strategic Markets, Hartford Funds Featured Guest:

More information

need help navigating investment responsibilities?

need help navigating investment responsibilities? CONSULTING RESEARCH GROUP POSITION PAPER need help navigating investment responsibilities? Five Questions for Defined Contribution Plan Sponsors SUMMARY These days, plan sponsor resources are stretched

More information

Investment outsourcing options for your pension plan

Investment outsourcing options for your pension plan Fiduciary solutions for CORPORATE PENSION PLANS Investment outsourcing options for your pension plan INVESTED. TOGETHER. Managing complexity Managing a pension plan is not getting any easier. Rapid-fire

More information

Fiduciary Insights. OUTSOURCING DEFINED BENEFIT PLANS: You re Already Halfway There

Fiduciary Insights. OUTSOURCING DEFINED BENEFIT PLANS: You re Already Halfway There OUTSOURCING DEFINED BENEFIT PLANS: You re Already Halfway There OVER THE PAST TWO DECADES, PLAN SPONSORS HAVE ACCEPTED THE OUTSOURCING OF DEFINED CONTRIBUTION PLAN FUNCTIONS AS THE BEST WAY TO MANAGE SUCH

More information

Your Relationship with an Eagle Strategies Financial Advisor

Your Relationship with an Eagle Strategies Financial Advisor Your Relationship with an Eagle Strategies Financial Advisor PROTECTION. RETIREMENT. INVESTMENT. ESTATE. Trusted Guidance. Comprehensive Solutions. The value of professional advice. It is a common practice

More information

Pairs Trading Futures Don Roberts

Pairs Trading Futures Don Roberts Pairs Trading Futures Don Roberts TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. 2015 TD Ameritrade

More information

SOLVING THE CHALLENGES OF SMALL AND MID-SIZED RETIREMENT PLANS

SOLVING THE CHALLENGES OF SMALL AND MID-SIZED RETIREMENT PLANS SOLVING THE CHALLENGES OF SMALL AND MID-SIZED RETIREMENT PLANS SPONSORED BY A GROWTH OPPORTUNITY IN MANAGING FIDUCIARY RESPONSIBILITY 1 SOLVING THE CHALLENGES OF SMALL AND MID-SIZED RETIREMENT PLANS The

More information

Daniel Miller, Fundrise: Yeah, thank you very much.

Daniel Miller, Fundrise: Yeah, thank you very much. Crowdfunding For Real Estate With Daniel Miller of Fundrise Zoe Hughes, PrivcapRE: I m joined here today by Daniel Miller, co- founder of Fundrise, a commercial real estate crowd sourcing platform. Thank

More information

AUSTIN CAPITAL TRUST COMPANY

AUSTIN CAPITAL TRUST COMPANY AUSTIN CAPITAL TRUST COMPANY Providing for the long-term financial security and safety of assets PROTECTING RESOURCES BY PROVIDING THE RIGHT SERVICES Austin Capital Trust Company s role is to help protect

More information

How PE Operating Partners Are Paid, Hired Special Report: All About PE Operating Partners

How PE Operating Partners Are Paid, Hired Special Report: All About PE Operating Partners How PE Operating Partners Are Paid, Hired Special Report: All About PE Operating Partners David Snow, Privcap: Today, we are joined by Joe Healey and Ben Sanders of Korn Ferry. Gentlemen, welcome to Privcap.

More information

(k) prospecting

(k) prospecting 401(k) prospecting 207 401(k) PROSPECTING If you are trying to make 401(k) business the focal point of your practice, or simply want to become more effective in capturing 401(k) business, this course will

More information

2018 RIA Sentiment Survey

2018 RIA Sentiment Survey 2018 RIA Sentiment Survey Independent RIAs Look Ahead to 2018 January 9, 2018 RIAs like what s ahead in 2018 The tax plan is the #1 item to impact client portfolios, say independent registered investment

More information

How Do I Find the Right Financial Advisor?

How Do I Find the Right Financial Advisor? MichaelSilver.com How Do I Find the Right Financial Advisor? October 3, 2018 Presented by: Janell Wilson, CPA Partner at MichaelSilver 22 Years of Experience Accounting and assurance leadership team Expertise

More information

Disability Insurance Introduction

Disability Insurance Introduction Disability Insurance Introduction I ll be doing a series of posts over the next few weeks on disability insurance. The subject is sufficiently broad, and sufficiently important, that one post isn t going

More information

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

More information

Let s Plan Your Future Together

Let s Plan Your Future Together Let s Plan Your Future Together Comprehensive Financial Planning insight2wealth.com (800) 878-1665 Life Happens We Listen ABOUT INSIGHT WEALTH STRATEGIES Insight Wealth Strategies is a comprehensive financial

More information

TANDEMMODELS. TandemModels is delivered to investment managers in a single platform environment.

TANDEMMODELS. TandemModels is delivered to investment managers in a single platform environment. TANDEMMODELS TandemModels is delivered to investment managers in a single platform environment. Seamlessly Managing Your Clients Portfolios A study by Aite Group reported: RIA firms (Investment managers)

More information

AVAILABLE EXCLUSIVELY TO OUR MEMBERS IT WASN T. by accident

AVAILABLE EXCLUSIVELY TO OUR MEMBERS IT WASN T. by accident AVAILABLE EXCLUSIVELY TO OUR MEMBERS IT WASN T by accident Life can be complicated... Family. Friendships. Career. Health. Investments. Kids & grandkids. College. Home. Nest Egg. Vacation. Money. Retirement.

More information

In most cases, it s beneficial to roll your 401(k) or 403(b) into an IRA. Almost 95% of funds in IRAs come from retirement plan rollovers.

In most cases, it s beneficial to roll your 401(k) or 403(b) into an IRA. Almost 95% of funds in IRAs come from retirement plan rollovers. INVESTMENT ROLLOVER Transferring your money in your 401(k) or 403(b) to an IRA is often a wise financial decision but, like all other financial decisions, you need to know the facts. This guide will explain

More information

Make one day today with

Make one day today with Make one day today with Contact us By telephone 08456 000 00 1 By typetalk (18002) 08456 000 00 1 By Minicom 08456 10 10 56 By post By web The One account, Woodland Place, Pinetrees Road, Norwich NR7 9EJ

More information

WCG ISC Portfolios. Registered As: WCG Wealth Advisors, LLC. Doing Business As: The Wealth Consulting Group

WCG ISC Portfolios. Registered As: WCG Wealth Advisors, LLC. Doing Business As: The Wealth Consulting Group Item 1 Cover Page Wrap Program Brochure WCG ISC Portfolios Registered As: WCG Wealth Advisors, LLC Doing Business As: The Wealth Consulting Group Registered Investment Advisor 8925 West Post Road Suite

More information

SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY

SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY SUNTRUST PRIVATE WEALTH MANAGEMENT SIGNATURE FINANCIAL ADVICE THAT REFLECTS YOUR INDIVIDUALITY BE YOURSELF; EVERYONE ELSE IS ALREADY TAKEN. - OSCAR WILDE Your life, your needs, your dreams and ambitions:

More information

Outsourced Investment Management

Outsourced Investment Management Outsourced Investment Management Make Better Use of Your Time It s a simple truth in this industry: the more time you spend with current and prospective clients, the more successful you will be. Outsourcing

More information

Retirement Planning Newsletter Spring 2015

Retirement Planning Newsletter Spring 2015 Retirement Planning Newsletter Spring 2015 Notice something different? The retirement services business of Great-West Financial has a new name Empower Retirement! Our goal is to help you replace for life

More information

Millennial Saving & Investing Habits. What Today s Financial Advisors Need to Know About the Next Generation of Investors

Millennial Saving & Investing Habits. What Today s Financial Advisors Need to Know About the Next Generation of Investors Millennial Saving & Investing Habits What Today s Financial Advisors Need to Know About the Next Generation of Investors The Findings The millennial generation can often be a mystery. Many industries are

More information

It s Time. Plan Today for Your Tomorrow.

It s Time. Plan Today for Your Tomorrow. It s Time. Plan Today for Your Tomorrow. www.ctseniorlaw.com What We Do ESTATE PLANNING Wills & Powers of Attorney Living Trusts Health Care Directives Estate Tax Reduction Trusts Retirement Planning ELDER

More information

ASSISTING INVESTMENT STEWARDS WITH INVESTMENT GOVERNANCE

ASSISTING INVESTMENT STEWARDS WITH INVESTMENT GOVERNANCE ASSISTING INVESTMENT STEWARDS WITH INVESTMENT GOVERNANCE Written by: Robert Burns, CFA, AIF, Director of Institutional Consulting Services for Raymond James Financial KEY TAKEAWAYS A well-thought-out and

More information

Monthly Treasurers Tasks

Monthly Treasurers Tasks As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonights presentation, we ll cover the basics of how you should perform these. Monthly

More information

independent, integrated & simple

independent, integrated & simple chart a unique course to a successful retirement plan independent, integrated & simple www.embarkplans.com embark created and distributed by : I am excited to present you with information about our retirement

More information

Financial Advisors Writing to Get Your Message to Your Target Audience

Financial Advisors Writing to Get Your Message to Your Target Audience Financial Advisors Writing to Get Your Message to Your Target Audience Presented by: Roger Wohlner RLW Associates, LLC Freelance financial writer/blogger/advisor Blog: The Chicago Financial Planner rwohlner@comcast.net

More information

HEWINS FINANCIAL ADVISORS, LLC SEC File Number:

HEWINS FINANCIAL ADVISORS, LLC SEC File Number: Item 1: COVER PAGE HEWINS FINANCIAL ADVISORS, LLC SEC File Number: 801 56865 Firm Brochure (Part 2A of Form ADV) August 30, 2016 Contact: Diane Kelvie, Chief Compliance Officer 203 Redwood Shores Parkway,

More information

Workplace pensions - Frequently Asked Questions

Workplace pensions - Frequently Asked Questions Workplace pensions - Frequently Asked Questions This leaflet answers some of the questions you may have about workplace pensions. Q1. Is everyone being enrolled into a workplace pension? Q2. When will

More information

The Information in this Guide Is Your Key to Retirement Planning Success:

The Information in this Guide Is Your Key to Retirement Planning Success: Enrollment Guide Dear Staff Member: Unpredictability it s the one thing about the future we can all agree on. But while it s true that none of us can see the future, we can take steps to prepare for it.

More information

The research, analysis, and writing for this report were conducted in concert with the following ECHELON professionals: Tyler Resh Vice President

The research, analysis, and writing for this report were conducted in concert with the following ECHELON professionals: Tyler Resh Vice President Authorship The research, analysis, and writing for this report were conducted in concert with the following ECHELON professionals: Daniel Seivert CEO and Managing Partner dseivert@echelon-group.com Aaron

More information

ABA Retirement Funds Program (the Program ) 408(b)(2) Service Provider Fee Disclosure

ABA Retirement Funds Program (the Program ) 408(b)(2) Service Provider Fee Disclosure ABA Retirement Funds Program (the Program ) 408(b)(2) Service Provider Fee Disclosure This report provides a summary of information about the investments, trustee, recordkeeping, administrative, and self-directed

More information

5 WAYS A STARTUP BUSINESS CAN GET A BUSINESS LOAN

5 WAYS A STARTUP BUSINESS CAN GET A BUSINESS LOAN 5 WAYS A STARTUP BUSINESS CAN GET A BUSINESS LOAN 5 Ways a Startup Business Can Get a Business Loan Most entrepreneurs think that because they are only starting their business that there is no chance of

More information

Retirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE

Retirement Investments Insurance. Pensions. made simple TAKE CONTROL OF YOUR FUTURE Retirement Investments Insurance Pensions made simple TAKE CONTROL OF YOUR FUTURE Contents First things first... 5 Why pensions are so important... 6 How a pension plan works... 8 A 20 year old needs to

More information

Seven Considerations Before Creating a Family Office

Seven Considerations Before Creating a Family Office Seven Considerations Before Creating a Family Office Should I create a family office to manage my wealth and investments? This is a question that many wealthy families with over $100 million in investable

More information

Your invitation to TD Wealth Private Investment Advice

Your invitation to TD Wealth Private Investment Advice Your invitation to TD Wealth Private Investment Advice It isn t just about where you are today, it s about where you see yourself tomorrow Add our momentum to yours Imagine the heights you could reach

More information

HEWINS FINANCIAL ADVISORS, LLC SEC File Number:

HEWINS FINANCIAL ADVISORS, LLC SEC File Number: Item 1: COVER PAGE HEWINS FINANCIAL ADVISORS, LLC SEC File Number: 801 56865 Firm Brochure (Part 2A of Form ADV) August 28, 2017 Contact: Gennady Bekasov, Chief Compliance Officer 203 Redwood Shores Parkway,

More information

This presentation is part of a three part series.

This presentation is part of a three part series. As a club treasurer, you ll have certain tasks you ll be performing each month to keep your clubs financial records. In tonight s presentation, we ll cover the basics of how you should perform these. Monthly

More information

Efficiency Key to Long-Term Growth Advisors seeking more face time with restless clients

Efficiency Key to Long-Term Growth Advisors seeking more face time with restless clients Time Management & Outsourcing Toolkit Advisors seeking more face time with restless clients With a growing sense that the worst of the economic troubles may be over, financial advisors are working hard

More information