Because those nearing retirement have less time to recover from risk, you might consider incorporating a fixed indexed annuity to help you moderate
risk in your financial plan.
Disability insurance fills a very specific
risk in your financial plan, the risk that you'll be unable to work and earn money.
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.
«If the private
plan fails and the government decided to refer to the clause
in Bank Recovery Resolution Directive (a European regulation) that permits extraordinary
financial support, government's popularity could be at
risk of severe deterioration,» he added.
David Reyes is founder of Reyes
Financial Architecture of La Jolla, Calif., a Registered Investment Advisory firm that acts as a fiduciary and specializes
in portfolio
risk management strategies, retirement income distribution and Social Security
planning.
How to qualify: The role of a
financial manager can vary widely, depending on whether you end up
in accounting, auditing,
financial planning or
risk analysis (to name just a few departments that require
financial managers).
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.
«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?»
Among the factors that could cause actual results to differ materially are the following: (1) worldwide economic, political, and capital markets conditions and other factors beyond the Company's control, including natural and other disasters or climate change affecting the operations of the Company or its customers and suppliers; (2) the Company's credit ratings and its cost of capital; (3) competitive conditions and customer preferences; (4) foreign currency exchange rates and fluctuations
in those rates; (5) the timing and market acceptance of new product offerings; (6) the availability and cost of purchased components, compounds, raw materials and energy (including oil and natural gas and their derivatives) due to shortages, increased demand or supply interruptions (including those caused by natural and other disasters and other events); (7) the impact of acquisitions, strategic alliances, divestitures, and other unusual events resulting from portfolio management actions and other evolving business strategies, and possible organizational restructuring; (8) generating fewer productivity improvements than estimated; (9) unanticipated problems or delays with the phased implementation of a global enterprise resource
planning (ERP) system, or security breaches and other disruptions to the Company's information technology infrastructure; (10)
financial market
risks that may affect the Company's funding obligations under defined benefit pension and postretirement
plans; and (11) legal proceedings, including significant developments that could occur
in the legal and regulatory proceedings described
in the Company's Annual Report on Form 10 - K for the year ended Dec. 31, 2017, and any subsequent quarterly reports on Form 10 - Q (the «Reports»).
Presidential hopeful Hillary Clinton's
plan aims to tackle excessive
risk - taking
in the
financial sector.
Hillary Clinton unveiled a
plan that aims to tackle excessive
risk - taking
in the
financial sector and calls for breaking up too - big - to - fail banks.
Just consider the
financial risks entrepreneurs run, for example, if they give company stock to their children as part of a long - term estate -
planning strategy — only to have the IRS step
in years later and challenge the claimed taxable value of the gifts.
Risks and uncertainties include, among other things, the uncertainties inherent in research and development; the uncertainties inherent in business and financial planning, including, without limitation, risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
Risks and uncertainties include, among other things, the uncertainties inherent
in research and development; the uncertainties inherent
in business and
financial planning, including, without limitation,
risks related to Pfizer's business and prospects, adverse developments in Pfizer's markets, or adverse developments in the U.S. or global capital markets, credit markets or economies generally; and competitive developm
risks related to Pfizer's business and prospects, adverse developments
in Pfizer's markets, or adverse developments
in the U.S. or global capital markets, credit markets or economies generally; and competitive developments.
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.
This discussion also does not consider any specific facts or circumstances that may be relevant to holders subject to special rules under the U.S. federal income tax laws, including, without limitation, certain former citizens or long - term residents of the United States, partnerships or other pass - through entities, real estate investment trusts, regulated investment companies, «controlled foreign corporations,» «passive foreign investment companies,» corporations that accumulate earnings to avoid U.S. federal income tax, banks,
financial institutions, investment funds, insurance companies, brokers, dealers or traders
in securities, commodities or currencies, tax - exempt organizations, tax - qualified retirement
plans, persons subject to the alternative minimum tax, persons that own, or have owned, actually or constructively, more than 5 % of our common stock and persons holding our common stock as part of a hedging or conversion transaction or straddle, or a constructive sale, or other
risk reduction strategy.
As Credit Karma's Chief
Financial Officer, Joseph manages the company's financial planning, forecasting, record keeping and risk as it continues to expand aggressively, following several years in which the company doubled both its member base and employee h
Financial Officer, Joseph manages the company's
financial planning, forecasting, record keeping and risk as it continues to expand aggressively, following several years in which the company doubled both its member base and employee h
financial planning, forecasting, record keeping and
risk as it continues to expand aggressively, following several years
in which the company doubled both its member base and employee headcount.
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.
However, given the uncertainties caused by the
financial crisis, the Harper Government introduced the «
risk adjustment factor»
in its October 2010 Update of Economic and Fiscal Projections, whereby the average of the private sector economic forecasts for nominal GDP was adjusted downwards for fiscal
planning purposes.
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.
In these positions, they have also gained significant and diverse management experience, including strategic and
financial planning, public company
financial reporting, compliance,
risk management and leadership development.
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.
Corporate defined benefit
plan sponsors have pulled many levers
in recent years
in an effort to reduce the
financial risk of pension obligations.
The Comprehensive Capital Analysis and Review (CCAR) is an annual exercise by the Federal Reserve to assess whether the largest bank holding companies operating
in the United States have sufficient capital to continue operations throughout times of economic and
financial stress and that they have robust, forward - looking capital -
planning processes that account for their unique
risks.
Before 2008, few
financial planners focused on what is called «sequence
risk» — the danger that big losses early
in retirement can upset your
plan to live off your investments.
The CBIRC has
plans to regulate financing guarantee companies to manage
financial risk in the banking and insurance industries.
You accepted the
risks of owning real estate going
in, and owning a home has an important place
in your family's
financial plan.
It is great that you have confidence
in the company you work for and want to buy more stock, but if you are holding too much stock and the company suffers
financial problems, then the stock price inevitably falls thereby causing your retirement
plan balance to be at
risk.
Creating uncertainty
in world
financial markets, the future of the European Union, the pace of globalization, how to strategically
plan for an eventual exit, and how to prepare for potential
risk from this event.
Currently, he is a Board Member of the Latvian Association of Tax Advisors, where he represents the professional interests of tax consultants
in discussions with representatives of the Ministry of Finance and officials of Tax Administration.As a
financial and legal advisor, Ainis has participated
in various investment and management projects, provided consultations on tax
planning, tax legislation, tax
risk evaluation as well as represented his clients
in financial and judicial authorities.
The May 1, 2011 - April 30, 2015 agreements with police dispatchers, telecommunications operators, and public works and building maintenance employees and upper police management: • * increase required employee contributions to participate
in conventional preferred provider organization health
plans, • * provide
financial incentives to employees to switch to consumer - directed
plans or managed - care
plans, • * provide village funding of 40 percent of the deductible for high deductible health
plans with health savings accounts and • * require employee participation
in annual wellness and health
risk assessment screenings
in order to qualify for best rates.
Now, under Cuomo's new budget
plan, roughly $ 850 million out of a $ 5.4 billion surplus — generated by nearly a dozen major
financial settlements finalized last year — would be set aside
in reserves to settle «federal
risks.»
«
Risk tolerance is one of the most important factors that contributes to wealth accumulation and retirement,» said Rui Yao, an associate professor of personal
financial planning in the MU College of Health and Environmental Sciences.
The level of investment
risk will be stated
in the
financial plan and should reflect the
risks you are comfortable with taking.
However, the
risks involved should be explained clearly
in the
financial plan, such as possible loss of capital, the instability of interest rates, repayments of the loan or unexpected life changes, such as redundancy.
Your
financial planner's responsibilities are to make clear recommendations, outline the
risks involved and communicate any possible strengths or weaknesses
in the
plan.
Sheryl has extensive knowledge and competencies
in financial and budget management, accounting, auditing, capital and strategic
planning, contract and
risk management, internal controls, governance, compliance, negotiations, regulatory and government reporting, analysis, and performance measurement.
In addition to the above, I am intrigued by looking at a combination of guaranteed issue whole - life insurance products, social security, and defined contribution
plans to meet more of the
financial needs of teachers while potentially taking some of the
financial risk off of the state.
There is evidence that more effective teachers are more likely to enroll
in the hybrid pension
plan, suggesting that states could reduce the
financial risk associated with strict defined benefit pension systems without sacrificing the desirability of pension
plans to employees.
This includes: providing
financial aid information about postsecondary education, encouraging student enrollment
in rigorous and challenging curricula and coursework, implementing activities that help students obtain a secondary school diploma, supporting students with completing college applications, providing tutors, conducting outreach programs, helping students meet state standards, developing graduation and career
plans, providing extended day learning programs, or offering other activities designed to ensure secondary school completion and postsecondary enrollment of at -
risk children.
(she has a
financial advisor, so I know that is the
plan) She is a rare postion to takes
risks and not have them bite her
in the ass.
«There is a lot of
risk if rates rise and you can not get out of the ARM at the right time,» says Phillip Christenson, a chartered
financial analyst and owner of Phillip James Financial, a financial planning and investment management company in Plymouth, M
financial analyst and owner of Phillip James
Financial, a financial planning and investment management company in Plymouth, M
Financial, a
financial planning and investment management company in Plymouth, M
financial planning and investment management company
in Plymouth, Minnesota.
But if the stock market drop has resulted
in sleepless nights, you may need to reassess your
financial plan and how much
risk you are comfortable taking.
Given this uncertain situation, it's important for those
in or nearing retirement to evaluate their
risk tolerance and adjust their
financial plan accordingly.
Moderating
risk and reward is an important part of building a sound
financial plan, but it's often easier said than done, especially
in difficult
financial times.
Earlier
in his career, Jason spent time within Prudential
Financial's capital markets group, where he supported the firm's capital
planning, asset - liability,
risk, and liquidity management.
Financial Planning Consumer Financial Protection in the Current Economy Academics and policymakers discuss how to make financial products more effective for consumers and their risks more easily un
Financial Planning Consumer
Financial Protection in the Current Economy Academics and policymakers discuss how to make financial products more effective for consumers and their risks more easily un
Financial Protection
in the Current Economy Academics and policymakers discuss how to make
financial products more effective for consumers and their risks more easily un
financial products more effective for consumers and their
risks more easily understood.
The role of forex
risk management comes when a trader,
in order to make great profits, has to minimize if not eliminate the chances of
financial losses by drawing strategies and
plans and properly implementing them
in places they are required.
Keep
in mind that your investment
plan should consider other factors such as inflation, your
risk tolerance and
financial goals.
To provide guidance on how to improve the most important
financial skills and measure progress, the Institute for Financial Literacy has created national standards in five key categories: money management, credit, debt management, risk management, and investment / retirement
financial skills and measure progress, the Institute for
Financial Literacy has created national standards in five key categories: money management, credit, debt management, risk management, and investment / retirement
Financial Literacy has created national standards
in five key categories: money management, credit, debt management,
risk management, and investment / retirement
planning.
According to the other study mentioned
in the WSJ, this one from a professor
in the Personal
Financial Planning department of the University of Missouri, the lower
risk tolerance we have seen since «08 is not a fluke.