Roper: I guess you could say CFA got involved in the fiduciary issue with the first study I wrote for the organization in 1986 on abuses
in the financial planning industry, though I'm not sure what the word «fiduciary» meant when I started that research.
Her experience
in the financial planning industry showed Sandra that money is often an intimidating subject for women.
Not exact matches
While Aidan Garrib, global macro strategist for Pavilion Global Markets
in Montreal, likewise doubts the Trump administration's ability to effect his
plans in the time frame that investors» widely expect, one area he thinks will get some traction is
financial industry deregulation.
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.
EA's
plans to sell
in - game upgrades for real money,
in randomized packages known
in the
industry as «loot boxes» or «loot crates,» produced a massive outcry last Fall, severely damaging the game's
financial performance.
Hong Kong unveiled
plans last year to encourage biotech companies to list
in the city by loosening listing rules to much fanfare from the
financial industry and investors.
«Being
in the insurance and
financial services
industry, I'm always looking for ways to set myself apart, build my business and add value for my clients,» says Randy Rosler, a
financial advisor with MetLife's Strategic
Planning Group.
When Hong Kong unveiled
plans last year to encourage biotech companies to list
in the city by loosening listing rules, the
financial industry and investors cheered.
What to include: Business
plans vary in length — anywhere from 20 to 50 pages — but typically cover the same topics, such as: Cover Page (essential contact information); Executive Summary (what your business does and what market need it solves); Company Overview (profile of company and successes); Industry Analysis (details about the market); Customer Analysis (who are the customers); Competitive Analysis (identify key competitors); Marketing Plan (your brand and how do you plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five ye
plans vary
in length — anywhere from 20 to 50 pages — but typically cover the same topics, such as: Cover Page (essential contact information); Executive Summary (what your business does and what market need it solves); Company Overview (profile of company and successes);
Industry Analysis (details about the market); Customer Analysis (who are the customers); Competitive Analysis (identify key competitors); Marketing
Plan (your brand and how do you plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yea
Plan (your brand and how do you
plan on getting it in front of customers); Operations Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yea
plan on getting it
in front of customers); Operations
Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and Financial Plans (revenue projections for three to five yea
Plan (daily and yearly operational processes for success); Management Team (identify key company personnel); and
Financial Plans (revenue projections for three to five ye
Plans (revenue projections for three to five years).
Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions
in the
industries and markets
in which United Technologies and Rockwell Collins operate
in the U.S. and globally and any changes therein, including
financial market conditions, fluctuations
in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand
in construction and
in both the commercial and defense segments of the aerospace
industry, levels of air travel,
financial condition of commercial airlines, the impact of weather conditions and natural disasters and the
financial condition of our customers and suppliers; (2) challenges
in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies
in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including
in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including
in connection with the proposed acquisition of Rockwell; (7) delays and disruption
in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and
industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension
plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes
in political conditions
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate, including the effect of changes
in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates
in the near term and beyond; (16) the effect of changes
in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations
in the U.S. and other countries
in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result
in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including
in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective
financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted
in their operation of their businesses while the merger agreement is
in effect; (21) risks relating to the value of the United Technologies» shares to be issued
in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.
Sloan suggests being open about your
financial situation, discussing your business
plan and demonstrating knowledge about your place
in the
industry.
Bolstered by an improved economy, the
financial planning, advice, and investment
industry saw an 11 percent increase
in sales
in 2010, according Sageworks.
Malik this week also filed an arbitration claim against the bank with the
Financial Industry Regulatory Authority (FINRA), and he separately
plans to file a discrimination complaint against the company
in New York state court, according to the report.
Steve has been
in the
financial industry for over 20 years, during which time he co-founded and was the Chief Executive Officer of Investment Planning Counsel Inc. (IPC) which was sold to IGM Financial in 2004, a member of the Power Financial group of c
financial industry for over 20 years, during which time he co-founded and was the Chief Executive Officer of Investment
Planning Counsel Inc. (IPC) which was sold to IGM
Financial in 2004, a member of the Power Financial group of c
Financial in 2004, a member of the Power
Financial group of c
Financial group of companies.
While the
industry has been evolving for several years, lawsuits against advisors and
plan providers have picked up speed
in the last few years, according to Conor Weir, managing director and a
financial consultant at Retirement Benefits Group.
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.
Simmons is widely recognized as a trailblazer
in the Canadian
financial planning industry.
After becoming a Certified
Financial Planner ™ Practitioner and working in and studying the financial services industry for several years, Jim concluded that in order for individuals and families to be truly successful in their financial and investment planning they needed a highly trained, independent financial advisory team, loyal only to them and compensated only
Financial Planner ™ Practitioner and working
in and studying the
financial services industry for several years, Jim concluded that in order for individuals and families to be truly successful in their financial and investment planning they needed a highly trained, independent financial advisory team, loyal only to them and compensated only
financial services
industry for several years, Jim concluded that
in order for individuals and families to be truly successful
in their
financial and investment planning they needed a highly trained, independent financial advisory team, loyal only to them and compensated only
financial and investment
planning they needed a highly trained, independent
financial advisory team, loyal only to them and compensated only
financial advisory team, loyal only to them and compensated only by them.
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.
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.
These risks and uncertainties include food safety and food - borne illness concerns; litigation; unfavorable publicity; federal, state and local regulation of our business including health care reform, labor and insurance costs; technology failures; failure to execute a business continuity
plan following a disaster; health concerns including virus outbreaks; the intensely competitive nature of the restaurant
industry; factors impacting our ability to drive sales growth; the impact of indebtedness we incurred
in the RARE acquisition; our
plans to expand our newer brands like Bahama Breeze and Seasons 52; our ability to successfully integrate Eddie V's restaurant operations; a lack of suitable new restaurant locations; higher - than - anticipated costs to open, close or remodel restaurants; increased advertising and marketing costs; a failure to develop and recruit effective leaders; the price and availability of key food products and utilities; shortages or interruptions
in the delivery of food and other products; volatility
in the market value of derivatives; general macroeconomic factors, including unemployment and interest rates; disruptions
in the
financial markets; risk of doing business with franchisees and vendors
in foreign markets; failure to protect our service marks or other intellectual property; a possible impairment
in the carrying value of our goodwill or other intangible assets; a failure of our internal controls over
financial reporting or changes
in accounting standards; and other factors and uncertainties discussed from time to time
in reports filed by Darden with the Securities and Exchange Commission.
The wholesale gutting of defined benefit
plans and the ascendancy of 401 (k)
plans was likely one of the greatest sellouts of the American worker
in history and one of the most generous gifts to the
financial services
industry which benefits lavishly from fees charged on the accounts.
Holders of this gold - standard designation
in the
financial services
industry must take college - level
financial planning courses, log at least 3 years» experience
in financial planning, and pass a 10 - hour examination.
So, not only do more women need to get engaged
in their retirement
planning, the
industry of
financial advice needs to devote the resources needed not just to manage women's investments, but also to help them understand the basics of portfolio construction and the importance of asset allocation.
He has over 20 years of experience
in the insurance and
financial services
industry and has served as a
planned giving consultant for multiple charitable organizations.
The CBIRC has
plans to regulate financing guarantee companies to manage
financial risk
in the banking and insurance
industries.
However, after enormous bailouts of the largest
financial institutions
in the country, as well as the auto
industry, and even more monetary ease than
in 2003 (accompanied by TARP, the stimulus
plan, QE, and QE2); we started another cyclical bull market within the secular bear market.
The only comprehensive retirement training organization
in the
financial services
industry focused exclusively on educating professionals on the nuances of Social Security retirement
planning, the organization creates and provides a training course on Social Security retirement benefits and claiming strategies and provides advisors with the opportunity, for those inclined to do so, to sit for a comprehensive exam that if completed successfully will provide them with the Certified
in Social Security Claiming Strategies designation.
In fact, Yi's rather positive viewpoint regarding Bitcoin was somewhat expected by analysts, given his pro-market philosophy and his
plans to liberalize the Chinese
financial industry.
Ours is the only comprehensive retirement training organization
in the
financial services
industry focused exclusively on educating professionals on the nuances of Social Security retirement
planning.
«I am now watching Australian agriculture
in terms of what the
financial planning industry has been through.
After more than a decade at Lane
Industries, Inc.
in Northbrook as a vice president of finance and a director of
financial planning, she elected to move into the nonprofit field to give back and be part of an organization whose mission she was passionate about.
Hear him: «Let me assure you that if I am elected President, the world will have no cause to worry about Nigeria as it has had to recently; that Nigeria will return to its stabilising role
in West Africa; and that no inch of Nigerian territory will ever be lost to the enemy because we will pay special attention to the welfare of our soldiers
in and out of service; we will give them adequate and modern arms and ammunition to work with; we will improve intelligence gathering and border controls to choke Boko Haram's
financial and equipment channels; we will be tough on terrorism and tough on its root causes by initiating a comprehensive economic development
plan promoting infrastructural development, job creation, agriculture and
industry in the affected areas.
Lakewood, CO About Blog James Osborne is a Certified
Financial Planner ® professional who has spent his career
in the investment management
industry, helping clients manage their portfolios and
plan for retirement, legacy and lifetime goals.
The U.S. Department of Education's
plan to grant states broad flexibility under the No Child Left Behind Act will free up as much as $ 800 million
in money school districts now must set aside for tutoring students, but may mark a significant
financial blow to an education
industry that has grown up around serving low - performing schools.
The massive
financial investment the charter school
industry made
in Malloy's last gubernatorial campaign appears to be paying off yet again as Governor announces a new
plan to cut state spending.
New Profit, Inc., a
financial group that invests
in Achievement First Inc. and other private companies associated with the education reform
industry, told investors
in their annual report last year that, «Over the next five years, Achievement First
plans to grow to a network of 38 schools serving more than 12,000 students.»
Remember, indie authors are businesspeople
in the publishing
industry, and budgets and
financial planning are critical to success.
Christopher Dziklinski, Charted Retirement
Planning Counselor (SM) has over 13 years of experience
in the
financial services
industry.
Rob Hassenrik,
Financial Consultant and Chartered Retirement Planning Counselor (SM) at DFCU Financial Partners, brings more than 21 years of experience in the financial services industry and specializes in 401 (k) rollovers, retirement planning and college
Financial Consultant and Chartered Retirement
Planning Counselor (SM) at DFCU Financial Partners, brings more than 21 years of experience in the financial services industry and specializes in 401 (k) rollovers, retirement planning and college p
Planning Counselor (SM) at DFCU
Financial Partners, brings more than 21 years of experience in the financial services industry and specializes in 401 (k) rollovers, retirement planning and college
Financial Partners, brings more than 21 years of experience
in the
financial services industry and specializes in 401 (k) rollovers, retirement planning and college
financial services
industry and specializes
in 401 (k) rollovers, retirement
planning and college p
planning and college
planningplanning.
An expert with over 20 years
in the
Financial Services industry, Wes brings a background in Financial Investments, Insurance, Estate Planning & tax processes plus Debt Relief with a unique perspective and understanding of financia
Financial Services
industry, Wes brings a background
in Financial Investments, Insurance, Estate Planning & tax processes plus Debt Relief with a unique perspective and understanding of financia
Financial Investments, Insurance, Estate
Planning & tax processes plus Debt Relief with a unique perspective and understanding of
financialfinancial issues.
The Consumer
Financial Protection Bureau (CFPB) recently announced
plans to downsize its Office of Students and Younger Consumers division - a part of the CFPB involved
in oversight of the student loan
industry.
With over 40 years of experience
in the
financial services industry, he serves on the boards of the St. Louis Estate Planning Council and the St. Louis chapter of the Society of Financial Service Professionals and is a Past President of the St. Louis chapter
financial services
industry, he serves on the boards of the St. Louis Estate
Planning Council and the St. Louis chapter of the Society of
Financial Service Professionals and is a Past President of the St. Louis chapter
Financial Service Professionals and is a Past President of the St. Louis chapter of NAIFA.
She has more than 28 years of experience
in the
financial services industry, is a Certified Financial Planner (CFP ®) and has a Certificate in Personal Financial Planning from University of California, Irvine E
financial services
industry, is a Certified
Financial Planner (CFP ®) and has a Certificate in Personal Financial Planning from University of California, Irvine E
Financial Planner (CFP ®) and has a Certificate
in Personal
Financial Planning from University of California, Irvine E
Financial Planning from University of California, Irvine Extension.
With over two decades of experience
in the
financial services
industry, he writes about all aspects of
financial planning and retirement.
An expert with over 20 years
in the
Financial Services industry, Wes brings a background in Financial Investments, Insurance, Estate Planning & Tax processes plus Debt Relief with a unique perspective and understanding of financia
Financial Services
industry, Wes brings a background
in Financial Investments, Insurance, Estate Planning & Tax processes plus Debt Relief with a unique perspective and understanding of financia
Financial Investments, Insurance, Estate
Planning & Tax processes plus Debt Relief with a unique perspective and understanding of
financialfinancial issues.
We're
planning on getting a deal on a house
in a couple years or so once the Canadian
financial industry catches up with the rest of the world and the housing market tanks (Yes it will happen — if you deny this, you might as well deny gravity, dummy).
I would say that this Joe fellow could be one of the
financial planners who is new
in the
industry, doesn't explain the MER's well to his clients, and has just lost one (or more) big clients because they talked to a group
plan representative.
The Certified
Financial Planner ™ Board has been one of the industry's foremost advocates in promoting holistic, comprehensive financial planning, and the CFP ® credential, while not sufficient, is a good sign that your advisor has the training to view your money within the context of y
Financial Planner ™ Board has been one of the
industry's foremost advocates
in promoting holistic, comprehensive
financial planning, and the CFP ® credential, while not sufficient, is a good sign that your advisor has the training to view your money within the context of y
financial planning, and the CFP ® credential, while not sufficient, is a good sign that your advisor has the training to view your money within the context of your life.
With the CollegeInvest Direct Portfolio College Savings
Plan, you not only benefit from considerable federal and Colorado tax benefits, but you also gain the advantage of investing with two major players
in the
financial services
industry: Vanguard and Ascensus Broker Dealer Services, Inc., («ABD»)