He has been recognized as one
of the financial planning industry's top young advisors by InvestmentNews magazine.
It created quite the controversy in the financial planning community as planners debated whether he did a service to the public or hurt the reputation
of the financial planning industry.
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.
Spirit AeroSystems Reports Q1 2018
Financial Results; Announces Acquisition
of Asco
Industries;
Plans Debt Refinancing; Announces $ 725 Million Accelerated Share Repurchase
Plan; Increased Dividend by 20 %
When consumers and the
financial industry do come on board, the Committee advises regulating it much like other
financial services products, like supervising bitcoin exchanges with «requirements for business continuity
planning,» and «a forum for fraud prevention and disclosure
of bitcoin's risks and costs.»
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.
A business
plan can also be used by any business — no matter what
industry, location, or size — to formalize a set
of business goals and outline the operational and
financial strategy for meeting those goals.
Fintech companies are transforming the banking experience by offering easy payment processes, opportunities to save consumers» money, ways to promote
financial services such as investments and
planning, and ultimately by driving the
industry into the next generation
of banking.
Trump's discussion
of financial industry rules came ahead
of a
planned executive order directing the Treasury Department to review the policy, which was passed as a
financial industry safeguard after the 2008 crisis.
But even after the Department
of Labor announced a
plan to delay that rule Tuesday, he has a second chance ahead to step up and keep his campaign promise to assert independence from
financial industry special interests.
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.
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.
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.
Industry trade groups like the Investment Company Institute and the Securities
Industry and
Financial Markets Association have come out against state - run
plans, arguing that they will spur a «confusing, state - by - state patchwork
of savings programs» that could lack strict federal controls.
Mohrman - Gillis also noted that to help investors navigate the myriad advisor designations, the CFP Board
plans to release soon an analysis it performed comparing and contrasting the 140 designations on the
Financial Industry Regulatory Authority's website, many
of which are «essentially meaningless» designations.
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.
While I understand the COC is representing the interests
of the
financial services
industry by opposing the Fiduciary Rule, I think their position is myopic - they should be supporting the rule to better represent their much bigger constituency
of 401 (k)
plan sponsors.
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.
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.
300cubits, the team behind the upcoming ICO says that the shipping
industry is «crippled by a lack
of trust» and it
plans to «bring discipline and efficiency» and address the significant
financial losses associated with...
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.
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.
A business
plan should include an executive summary, descriptions
of your products, services and
industry, an analysis
of your competitors, a go - to market strategy, an operating and management
plan,
financial statements and projections, and a background on each principal
of the business.
«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.
Carl H. McCall will chair a commission composed
of experts from the
financial services
industry, consumer advocates, public officials and State regulators to study available options for the creation
of a state - administered retirement savings program for workers whose employers do not offer a retirement
plan.
Tom Baldwin from Kingerlee studied «An Investigation into the
Financial and Environmental Impact
of Site Waste Management
Plans (SWMPs) UK Construction
Industry.»
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.
Stiglitz has advised American president Barack Obama, but has also been sharply critical
of the Obama Administration's
financial -
industry rescue
plan.
The Department
of Environment and
Planning's Division
of Planning provides
financial assistance and strategic focus and direction to Erie County's cultural sector to promote the economic and cultural benefits
of the County's tourism, arts, culture, and heritage
industry.
As part
of his 2017 policy agenda, Governor Andrew Cuomo announced on Sunday a
plan to ban bad actors from the
financial services
industry.
Initially, my efforts were focused on learning about the medical writing
industry; defining the parameters
of the company and developing a business
plan; identifying government regulations and legal considerations; locating sources
of professional,
financial, and emotional support; finding other individuals with complementary skills and expertise (graphic designers, photographers, translators) that could work under the umbrella
of my company as needed; and learning new skills or improving existing ones.
Think budget - friendly fashion brought to you by style
industry leaders; rustic DIY decor tips,
financial advice and
planning for bridesmaids, and a three - part career feature inside the offices
of one
of our favorite wedding brands.
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.
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.»
The
financial planning industry likes to cast doubt on the future
of Canada Pension
Plan.
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.
This is due to Trump's
plan to roll back some
of the
financial industry regulations.
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.
The loan servicing
industry's longstanding failures came into sharp focus three years ago when an analysis
of consumer complaints by the federal Consumer
Financial Protection Bureau found that some companies were pushing struggling borrowers toward default — which essentially ruins their financial lives — by giving them misinformation, by making it difficult for them to refinance their loans and pay lower rates, and by withholding information about affordable payme
Financial Protection Bureau found that some companies were pushing struggling borrowers toward default — which essentially ruins their
financial lives — by giving them misinformation, by making it difficult for them to refinance their loans and pay lower rates, and by withholding information about affordable payme
financial lives — by giving them misinformation, by making it difficult for them to refinance their loans and pay lower rates, and by withholding information about affordable payment
plans.
With over two decades
of experience in the
financial services
industry, he writes about all aspects
of financial planning and retirement.