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50 Resources for

financial planning association

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Background on the Social Security Debate: Social Security is a "Pay as you go system" where today's workers pay benefits to today's retirees. Approximately 48 million people currently receive social security benefits. This number includes 33 million retired workers and their dependents, 7 million survivors of deceased workers, and 8 million disabled workers and their dependents....; Tags: Operational accounting, Financial Planning Association, Social Security, worker, payroll, asset, benefit; White papers 2005-05-19
Financial Literacy and the Life Cycle: Financial literacy should include the ability to understand financial choices, plan for the future, spend wisely and manage and be ready for life events such as job loss or saving for retirement. At the heart of the definition of financial literacy, is the term "Informed," as emphasized previously. It is...; Tags: Financial accounting, Financial Planning Association, financial, decision-making, job, benefit; White papers 2004-12-16
Cash is King, But Marketing Is Everything!: The greatest obstacle financial planner’s face with prospective clients is the client’s fear of whether they can trust the planner. After all, he tells them that he understands how to manage their money, security and future better than they do. They must believe in him and what he is offering...; Tags: Marketing research, Financial Planning Association, marketing, strategy, security; White papers 2003-12-01
Contributions Including A Decreased Loan Life In The Mortgage Decision: The article explains that client may face many issues when selecting a mortgage, and financial planners can play an intricate role in the decisions that must be made. This article addresses the 15-year versus 30-year maturity decision and the number of points to pay in the context of the impact...; Tags: Mortgages, Financial Planning Association, financial planner, mortgage, asset, analysis, tool; White papers 2003-12-01
Mirror, Mirror On The Wall: Helping Small-Business Owners See The Big Investment Picture: Most entrepreneurs have more than half of their wealth tied up in their own companies. This creates a lack of diversification that they often fail to recognize as a problem. As entrepreneurs themselves, planners understand the small-business owner’s motivation to over-invest in themselves. Planners say the decision of how much...; Tags: Entrepreneurship, Investment, Financial Planning Association, entrepreneur, small business, liquidity, motivation, wall; White papers 2003-07-01

Merging Asset Allocation And Longevity Insurance: An Optimal Perspective On Payout Annuities: This paper revisits the importance of longevity insurance—while discussing the concerns with a strategy consisting purely of fixed payout annuities—and then addresses the proper asset allocation between conventional financial assets and payout annuity products. Its focus is on maximizing a suitably defined objective function in an intuitive, comprehensible and practical...; Tags: Asset management, Investment, Financial Planning Association, annuity, asset allocation, asset, modeling, insurance, health care, financial, strategy; White papers 2003-06-01
Coming Out of the Chaos: Launching or managing a financial services business is a large challenge. Some financial advisors seem to have all the pieces in place in their practices. Production is high. They work reasonable hours. They show up at their children’s school events and turn their cell phones off. They take three-week-long vacations...; Tags: Financial accounting, Financial Planning Association, advisor, financial, cell phone, job, security, phone, e-mail; White papers 2003-04-01
The Decision to Pay Points when Borrowing: The article talks about the current low interest rates, many individuals are buying personal residences, refinancing existing mortgages and taking out second mortgages. When evaluating whether your client should pay points in connection with obtaining a mortgage loan, it is important to look beyond simply the lowered payment from the...; Tags: Mortgages, Financial Planning, Financial Planning Association, mortgage, interest rate, spreadsheet, payment; White papers 2003-04-01
Funding a Private Retirement Plan Using Employer Stock and Stock Options: This article presents an integrated planning approach for the corporate client whose primary retirement portfolio investments are employer stock and stock options. It also defines models for quantitatively setting retirement savings goals, determines annual or lump-sum funding amounts, and comments on published techniques for liquidating the options to both minimize...; Tags: Stock options, Investment, Regulations, Financial Planning Association, ESOP, stock option, stock, technique, tax; White papers 2003-03-01
Bearing Up Under The Bear: The extreme volatility of the market really unnerved many investors. Of course, nobody was complaining in the late ’90s when it was volatile all the way up. Most planners agree that the biggest lesson their clients have learned during the bear market is that their tolerance for risk isn’t what...; Tags: Strategy, Financial Planning Association, risk, investor, volatility; White papers 2003-01-01
Are Variable Annuities Right For Your Clients?: In some situations, investing in variable annuities (VAs) may be a good choice, while in others investing in securities held within a taxable account may be more appropriate. The primary objective of this article is to develop client profiles for potential VA owners and for current VA owners who might...; Tags: Taxes, Free trade, Investment, Financial Planning Association, NASD, SEC, tax, annuity, mutual fund, insurance, financial, benefit, sales, security; White papers 2003-01-01
Planners Instill New Reality for Retirement Planning for Corporate Executives: With 401(k) accounts worth less, stock options under water and accounting scandals rocking corporate America, planners are noticing some changes with their corporate executive clients. While the root of the generally conservative mood among executives could be traced to Enron’s bankruptcy, the local economic climate and the financial health of...; Tags: Investment, Financial accounting, Financial Planning Association, 401(k) plan, bankruptcy, stock option, accounting, stock, financial; White papers 2003-01-01
Real Estate Fundamentals: Rule 2, You Have to Negotiate: Many financial planners believe they are good negotiator. Negotiations play a critical role in the purchase and sale of real estate. One can leave huge amounts of money on the table without even knowing it if one lacks negotiating skills. Current theories espouse the value of so-called "win-win" strategies; however,...; Tags: Free trade, Financial Planning Association, negotiation, real estate, strategy, theory, benefit; White papers 2003-01-01
Comparing Alternative Investment Strategies Using Risk-Adjusted Performance Measures: Despite the recommendation of dollar-cost averaging as a superior investment strategy by numerous financial advisors, some studies find it to be suboptimal using a traditional Sharpe ratio performance-ranking metric. However, recent research questions the use of the Sharpe ratio as the preferred performance measure. Using the Sortino and the upside...; Tags: Investment, Financial Planning Association, investment strategy, Sharpe Ratio, asset, performance, financial; White papers 2003-01-01
Real Estate Fundamentals: The Importance Of Interest Rates and Leverage: Depending on a variety of personal and financial considerations, ownership of a given property may be an ideal for one buyer and totally inappropriate for another; therefore, the primary task of an advisor is to counsel the client on the implications of a transaction. The advisor may be a real...; Tags: Financial Planning Association, real estate, interest rate, advisor, knowledge, financial, benefit; White papers 2003-01-01
Alternative Investments: Is Now the Time?: The article talks about all the equities, all the time, the down market has turned the conversation rapidly to alternative investments. Whether with hedge funds, private equity, venture capital, managed futures, commodities or private REITs, investors are looking for anything with a negative correlation to stocks and bonds. Until now,...; Tags: Financial services, Financial Planning Association, equity, investment, REIT, hedge fund, private equity, venture capital, bond, advisor, stock, financial; White papers 2002-10-01
Hedging Strategies For Protecting Appreciation In Securities And Portfolios: Despite recent U.S. stock market weakness, many clients and trusts still have securities or portfolios with large amounts of appreciation and low cost basis. A developing legal standard is placing a higher level of scrutiny on the diversification decision-making process. Also, there is a growing belief that all reasonable diversification...; Tags: Financial Planning Association, appreciation, strategy, tax, security, financial; White papers 2002-08-01
Changing Equity Premium Implications For Wealth Management Portfolio Design And Implementation: The wealth management investment model of diversified multi-asset-class/style portfolios, implemented by selecting style-consistent active managers, has served wealth manager clients well. However, during the last few years, there has been a growing consensus that future market returns will be less than long-term historical averages. To date, there has been no...; Tags: Financial Planning Association, environment; White papers 2002-06-01
Advising Investment Clients About Mortgage Debt: The goal of this article is to help planners advise clients about mortgage debt and investments. An example would be helping a client choose between paying down his or her mortgage versus investing more in the stock market. The article develops a method to assess risk/return trade-offs, demonstrates the impact...; Tags: Financial Planning Association, investment, stock market, stock, tool; White papers 2002-06-01
Asset Allocation Strategies And Their Effect On Risk And Return From 1996 To 2000: This article talk about the recent volatility in the market has made investors much more aware of the potential risk in their investment portfolios. This article examines the effect that eight broadly defined such as Government Bonds, Corporate Bonds, High Yield Bonds, Foreign Stocks, Utility Stocks etc. investment categories would...; Tags: Asset management, Investment, Financial Planning Association, asset allocation, investment strategy, volatility, bond, asset, stock; White papers 2002-03-01