Even whole life insurance, as bad as it can be, has a place to do
good in some financial plans.
Not exact matches
Important factors that could cause actual results to differ materially from those reflected
in such forward - looking statements and that should be considered
in evaluating our outlook include, but are not limited to, the following: 1) our ability to continue to grow our business and execute our growth strategy, including the timing, execution, and profitability of new and maturing programs; 2) our ability to perform our obligations under our new and maturing commercial, business aircraft, and military development programs, and the related recurring production; 3) our ability to accurately estimate and manage performance, cost, and revenue under our contracts, including our ability to achieve certain cost reductions with respect to the B787 program; 4) margin pressures and the potential for additional forward losses on new and maturing programs; 5) our ability to accommodate, and the cost of accommodating, announced increases
in the build rates of certain aircraft; 6) the effect on aircraft demand and build rates of changing customer preferences for business aircraft, including the effect of global economic conditions on the business aircraft market and expanding conflicts or political unrest
in the Middle East or Asia; 7) customer cancellations or deferrals as a result of global economic uncertainty or otherwise; 8) the effect of economic conditions
in the industries and markets
in which we operate
in the U.S. and globally and any changes therein, including fluctuations
in foreign currency exchange rates; 9) the success and timely execution of key milestones such as the receipt of necessary regulatory approvals, including our ability to obtain
in a timely fashion any required regulatory or other third party approvals for the consummation of our announced acquisition of Asco, and customer adherence to their announced schedules; 10) our ability to successfully negotiate, or re-negotiate, future pricing under our supply agreements with Boeing and our other customers; 11) our ability to enter into profitable supply arrangements with additional customers; 12) the ability of all parties to satisfy their performance requirements under existing supply contracts with our two major customers, Boeing and Airbus, and other customers, and the risk of nonpayment by such customers; 13) any adverse impact on Boeing's and Airbus» production of aircraft resulting from cancellations, deferrals, or reduced orders by their customers or from labor disputes, domestic or international hostilities, or acts of terrorism; 14) any adverse impact on the demand for air travel or our operations from the outbreak of diseases or epidemic or pandemic outbreaks; 15) our ability to avoid or recover from cyber-based or other security attacks, information technology failures, or other disruptions; 16) returns on pension
plan assets and the impact of future discount rate changes on pension obligations; 17) our ability to borrow additional funds or refinance debt, including our ability to obtain the debt to finance the purchase price for our announced acquisition of Asco on favorable terms or at all; 18) competition from commercial aerospace original equipment manufacturers and other aerostructures suppliers; 19) the effect of governmental laws, such as U.S. export control laws and U.S. and foreign anti-bribery laws such as the Foreign Corrupt Practices Act and the United Kingdom Bribery Act, and environmental laws and agency regulations, both
in the U.S. and abroad; 20) the effect of changes
in tax law, such as the effect of The Tax Cuts and Jobs Act (the «TCJA») that was enacted on December 22, 2017, and changes to the interpretations of or guidance related thereto, and the Company's ability to accurately calculate and estimate the effect of such changes; 21) any reduction
in our credit ratings; 22) our dependence on our suppliers, as
well as the cost and availability of raw materials and purchased components; 23) our ability to recruit and retain a critical mass of highly - skilled employees and our relationships with the unions representing many of our employees; 24) spending by the U.S. and other governments on defense; 25) the possibility that our cash flows and our credit facility may not be adequate for our additional capital needs or for payment of interest on, and principal of, our indebtedness; 26) our exposure under our revolving credit facility to higher interest payments should interest rates increase substantially; 27) the effectiveness of any interest rate hedging programs; 28) the effectiveness of our internal control over
financial reporting; 29) the outcome or impact of ongoing or future litigation, claims, and regulatory actions; 30) exposure to potential product liability and warranty claims; 31) our ability to effectively assess, manage and integrate acquisitions that we pursue, including our ability to successfully integrate the Asco business and generate synergies and other cost savings; 32) our ability to consummate our announced acquisition of Asco
in a timely matter while avoiding any unexpected costs, charges, expenses, adverse changes to business relationships and other business disruptions for ourselves and Asco as a result of the acquisition; 33) our ability to continue selling certain receivables through our supplier financing program; 34) the risks of doing business internationally, including fluctuations
in foreign current exchange rates, impositions of tariffs or embargoes, compliance with foreign laws, and domestic and foreign government policies; and 35) our ability to complete the proposed accelerated stock repurchase
plan, among other things.
«Sit down, run it out
in a
financial plan, and see which was is
best for your family,» he advises.
Whatever a company decides to do, Tannenbaum says it's important to be prepared with strong, supportable
financial projections — and
plan well in advance.
Many
financial planners are doing a poor job at,
well,
planning — both for the future of their own firms and
in grooming the next generation of advisors.
We
plan to track the value, as
well as other pieces
in their collection, to determine if donating any of them
in the future makes
financial sense.
The XY
Planning Network would be a
good place to look for a
financial planner focused on people
in this stage of life.
All young people can do is base their options on what the current health - care rules are today, said Carolyn McClanahan, both a certified
financial planner and an M.D. «The number one thing young people need to do is continue to scream at the politicians to get some
good health legislative policy
in place,» said McClanahan, founder and director of
financial planning at Life Planning P
planning at Life
Planning P
Planning Partners.
For baby boomers and Generation X, who tend to be more nervous
in fluctuating markets due to their closeness to retirement, it might be a
good time to review your
financial plan and make changes if necessary.
Being an entrepreneur has many payoffs, but small - business owners need a
well - constructed
financial plan in place to attain these benefits.
Since GM's driverless cars are years away from hitting the road as part of Lyft's service, the automaker
plans to provide short - term car rentals (for a day, week or month) to Lyft drivers
in the immediate future, as
well as lease financing through its GM
Financial arm, said Ammann.
His prior experience includes private equity funding of start - up telecommunications and Internet services companies, as
well as strategic and
financial planning, mergers and acquisitions, and managing finance and accounting activities for both domestic and international businesses
in the telecommunications and Internet services sectors.
The company is also
planning to open 10 more locations
in Canada by the end of its 2019
financial year, hoping to add up to 25 new shops
in Taiwan and China, as
well as build a presence
in Singapore and Malaysia
in the same time frame.
«The first half of 2013 has been very
good for pension
plans,» says Manuel Monteiro, partner
in Mercer's
financial strategy group.
FactSet Research Systems 100
Best Companies rank: 89 The
financial services company based
in Norwalk, Conn. has an employee stock purchase
plan that provides its workers with a 15 % discount.
«The Marines Corps allowed us to make sure we could understand the worst - and
best - case scenarios, take care of everyone else first, and accomplish the mission with minimum casualties,» says James Warren, founder of the Warren
Financial Group, an investment - advisory firm
in Kansas City, Mo. «Those are the same principles we consider when doing investment
planning: How can we accomplish what we want to do with minimum risk
in relationship to the return?»
Fredrick Petrie, author of «The End of Work:
Financial Planning for People With
Better Things To Do,» recommends «taxing» yourself
in order to get more money out of your wallet and into the bank — this way you'll make savings a priority from the get - go, rather than budgeting everything else first and then seeing what is left over for savings.
«Everything was the
best of the
best,» recalled Kennedy, whose firm, Kennedy
Financial Planning, is located
in Colorado.
«When you do a brain dump, you get a clearer picture of what will hurt your
well - being» if you fail to act, added Bradley, a CFP and founder of the Sudden Money Institute, which trains advisors
in financial transitions
planning.
«I very much doubt that that the outcome for anyone with a reasonably
well - constructed portfolio will be determined by the next interest rate hike,» said David Mendels, director of
planning at Creative
Financial Concepts
in New York.
As I wrote earlier this year, there are a variety of sociological, psychological and other forces that thwart our
best - laid
plans to put our
financial houses
in order.
They also allow those investors to avoid the high costs of stock - brokerage commissions and
financial planning fees that eat into returns, as
well as the risks of investing
in individual companies that may choose less - competent leaders or run into unforeseen problems.
Europe needs a stronger banking union, including a cross-Continental guarantor of deposits; structural reforms to improve growth prospects; more monetary easing; and
better plans for budget - cutting
in the countries struggling to convince global investors of their
financial stability, the fund said.
Early
plans include meeting with government customers as
well as those
in the
financial and telecommunications sectors
in North America and Europe
in an effort to «stabilize» those relationships.
At McKay Wealth Management Group, we are fiduciaries working
in your
best interest to service your investment and
financial planning needs.
Follow Beth on LinkedIn for insights on
financial wellness and
well - being, benefits program case studies and
best practices
in retirement
plan design.
With more than 100 lawyers, the office has
well - established practices
in corporate law,
financial services, labor and employment, litigation, real estate and taxation and wealth
planning.
We provide institutional - quality investment services, directly connected to your
financial plan and
in line with strategic benchmarks... as a truly independent advisor, our investment decisions are made purely
in your
best interests.
Such risks and uncertainties include, but are not limited to: our ability to achieve our
financial, strategic and operational
plans or initiatives; our ability to predict and manage medical costs and price effectively and develop and maintain
good relationships with physicians, hospitals and other health care providers; the impact of modifications to our operations and processes; our ability to identify potential strategic acquisitions or transactions and realize the expected benefits of such transactions, including with respect to the Merger; the substantial level of government regulation over our business and the potential effects of new laws or regulations or changes
in existing laws or regulations; the outcome of litigation, regulatory audits, investigations, actions and / or guaranty fund assessments; uncertainties surrounding participation
in government - sponsored programs such as Medicare; the effectiveness and security of our information technology and other business systems; unfavorable industry, economic or political conditions, including foreign currency movements; acts of war, terrorism, natural disasters or pandemics; our ability to obtain shareholder or regulatory approvals required for the Merger or the requirement to accept conditions that could reduce the anticipated benefits of the Merger as a condition to obtaining regulatory approvals; a longer time than anticipated to consummate the proposed Merger; problems regarding the successful integration of the businesses of Express Scripts and Cigna; unexpected costs regarding the proposed Merger; diversion of management's attention from ongoing business operations and opportunities during the pendency of the Merger; potential litigation associated with the proposed Merger; the ability to retain key personnel; the availability of financing, including relating to the proposed Merger; effects on the businesses as a result of uncertainty surrounding the proposed Merger; as
well as more specific risks and uncertainties discussed
in our most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.cigna.com as
well as on Express Scripts» most recent report on Form 10 - K and subsequent reports on Forms 10 - Q and 8 - K available on the Investor Relations section of www.express-scripts.com.
The HRC has determined that it will phase out as soon as practicable
in 2009 the
financial planning perquisite, as
well as a similar benefit provided to legacy Wachovia senior
It's important to focus on what you can do today as
well as down the road, said Douglas Boneparth, a certified
financial planner at Life and Wealth
Planning in New York City.
One of their
best new features is their new Retirement
Planning Calculator that pulls
in your real data after you've linked all your account, and spits out future
financial scenarios based on a sophisticated Monte Carlo simulation.
In addition to meeting with a
financial team, Keith Ellis, co-founder of SHP Financial, said it's important to discuss financial planning with your family
financial team, Keith Ellis, co-founder of SHP
Financial, said it's important to discuss financial planning with your family
Financial, said it's important to discuss
financial planning with your family
financial planning with your family as
well.
Managers at Fortune 500 corporations love how our MyDeptPlan © business
financial planning software increases team productivity by allowing departments to configure their budget
in a way that tracks their day - to - day operations
best.
As an overlay on Collaborative PBM Cloud ™, AdvanceESM ™ (Enterprise Service Manager) extracts and consolidates information across all departments of the PBM, providing
plan sponsors with a 360 ° view enhancing critical health /
financial decision - making resulting
in best outcomes.
While a uniform fiduciary standard would be disruptive to the retirement
plan industry
in the short - term, I believe it's
in the
best interest of all retirement
plan stakeholders — participants, fiduciaries, and even
financial advisors —
in the long - term.
Fidelity believes one of the
best ways to do that over the long term is by considering an appropriate amount to invest
in a diversified portfolio of stock mutual funds, exchange - traded funds (ETFs), or individual stocks as you
plan and implement an investment strategy that fits your time horizon, risk preferences, and
financial circumstances.
Over its now 40 - year history, the CERTIFIED
FINANCIAL PLANNERTM marks have emerged as the dominant professional standard
in the United States and, through the
Financial Planning Board of Standards (FPSB),
in 22 other countries as
well.
Founded
in 1946, the firm is a leading provider of investment management, retirement
planning, portfolio guidance, brokerage, benefits outsourcing, and many other
financial products and services to more than 20 million individuals and institutions, as
well as through 5,000
financial intermediary firms.
Written by NCEO founder Corey Rosen, this issue brief discusses as of mid-2016 the extent and growth of employee ownership; survey data on ESOPs and corporate governance as
well as ESOPs and executive compensation; research on the effect of ESOPs on corporate performance; the 2012 shared capitalism study of Great Place to Work applicants; data on employee ownership and employee
financial well - being; the NCEO's analysis of data on ESOPs and default rates; trends
in broad - based equity compensation
plans; equity compensation and corporate performance; the impact of ESOPs and other broad - based
plans on unemployment; legislative and regulatory issues for employee ownership; and international developments
in broad - based
plans.
His commitment to SkyWest's people, coupled with his management of partner carrier relationships,
financial planning and internal controls have helped ensure SkyWest is
best positioned
in one of the most highly competitive segments of the industry.
Someone with at least five years of experience, preferably more, who wants to serve clients»
best interest and is likeminded
in terms of our
financial planning and investment management approach.
But if you
plan to move again
in a couple of years, you might be
better off renting from a
financial standpoint.
Things can go wrong
in life — and
in financial planning — even when the
best intentions are exercised.
Financial figures and charts presented
in a pretty blue three - ring binder mean virtually nothing without the context of why we
plan on quitting a perfectly
good job.
Well, suppressing one's emotions regarding the fear of deep market losses might help an investor stick with their
financial plan in a mild correction, but
in the early 2000s and again
in 2008, many an Elephant reared up and sent the rider on a precipitous fall of his or her own.
Even with a $ 408 million
financial hit due to tax reform, the company remains
in good shape as it transitions to Series 6 production and raised its 2018 guidance as it
plans to bring back some Series 4 capacity to meet its 2 + year backlog of demand.
Bernstein puts sophisticated
planning tools and expert advice to work for individuals, families and smaller institutions,
in order to help them make
well - informed
financial decisions and achieve their goals, despite the uncertainties of the market.
The Auditor General,
in her Observations on the
financial statements, stated that «having accrual - based budgeting results
in improved
financial oversight as the
plans and related results are on the same basis of accounting and therefore result
in better transparency and accounting.
It may be the furthest out, but any
good financial plan starts with calculating how much money you'll need to live on during your retirement years, putting a strategy
in place to get there, and then addressing your shorter term needs.