Sentences with phrase «used in financial planning»

A model used in financial planning that tries to link age with investing.

Life insurance is commonly used in financial planning to help families cover debts once a loved one has passed away.

This is one reason why HELOCs are used in financial planning.

This is one reason why HELOCs are used in financial planning.

Life insurance is commonly used in financial planning to help families cover debts once a loved one has passed away.

Should you use it in your financial planning?

PUAs are a great tool for those that choose to use it in their financial planning and wealth building.

One of the tools that you can use in financial planning is life insurance.

Not exact matches

Office automation systems are also often used to track both short - term and long - term data in the realms of financial plans, workforce allocation plans, marketing expenditures, inventory purchases, and other aspects of business.

Below, Jason and Julie share the spreadsheet models they used for reaching financial independence and planning for their years in retirement.

But in a new survey of 250 business owners by Bank of America's Merrill Lynch division, only 39 % said they used an expert — like a management consultant, financial adviser or commercial banker — to develop a succession plan.

Management uses these non-GAAP financial measures in making financial, operating and planning decisions and in evaluating the company's performance.

However, in reality, many individuals use the services of an accountant whether it's to help with tax returns, to improve their financial planning or even to assist with debt problems.

In a sense, a business plan used for seeking funding is part of a negotiation taking place between you and your prospective financial backers.

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.

Like the income and cash - flow statements, the balance sheet uses information from all of the financial models developed in earlier sections of the business plan; however, unlike the previous statements, the balance sheet is generated solely on an annual basis for the business plan and is, more or less, a summary of all the preceding financial information broken down into three areas:

Like a branch concept being used by Citi in New York, the centrepiece of RBC's so - called retail store is a futuristic financial - planning table designed to impress upon consumers just how far banking has come from the days of long lines and not - so - great service.

The Company uses the non-GAAP financial measures set forth in the news release in connection with its own budgeting and financial planning internally to evaluate the performance of the business, including to allocate resources and to evaluate results relative to incentive compensation targets.

Management believes non-GAAP information is useful for investors, when considered in conjunction with Gilead's GAAP financial information, because management uses such information internally for its operating, budgeting and financial planning purposes.

I define financial planning as continually preparing how to use limited resources to fund ever - changing goals in the face of unrelenting uncertainty.

Among the things that prompted the creation of the inquiries were: financial difficulties facing DB pension plans and related concerns about DB funding rules; long simmering and unresolved legal issues, the most prominent of which revolve around the use of surpluses in DB plans; ambiguity about how EPP regulations apply to new hybrid plans; a lack of harmonization among Canadian regulatory laws; and declining coverage by EPPs in general and DB plans in particular.

That same day, LINE Corporation, the company behind the LINE messaging app, which is one of the most widely used in several Asian countries, revealed plans to integrate a new range of «financial services, including a place to exchange and transact virtual currencies, loans, and insurance,» into the app itself.

As part of your overall financial plan, you may wish to preserve some principal for use in an emergency or to leave a legacy for heirs.

Provides the strategic rationale and relative weightings of the financial and non-financial performance metrics or criteria used in the annual and performance - vested long - term incentive components of the Plan;

None of our clients use a stock broker and insurance agent — which means they aren't affected by the rule at all unless their plan's financial advisor gives rollover recommendations in addition to investment advice.

Planning for the future — but still not confident Despite using various financial tools for retirement savings such as RRSPs (45 per cent), cash savings (43 per cent), or TFSAs (39 per cent), 45 per cent of Canadians are still not confident that they will have enough money in retirement to afford the lifestyle they want.

This process is used in other countries, most notably the Netherlands, where the Central Planning Bureau plays an active role in the costing of the election platforms and the forecasting of the financial resources available.

Because of a recent change in the Free Application for Federal Student Aid (FAFSA), grandparents can soon use their tax - efficient 529 plans to help pay college costs earlier without impacting students» chances for federal financial aid.»

IFA FinPlan, powered by eMoney, is a robust technology where IFA clients can keep their financial accounts, investments and spending organized in one easy - to - use personal financial management dashboard, and dedicated IFA Wealth Advisors can in turn produce comprehensive and personalized financial plans.

Additionally, if you interact with Fidelity directly as an individual investor (including joint account holders) or if Fidelity provides services to your employer or plan sponsor, we may exchange certain information about you with Fidelity financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.

And don't forget the perquisites section, which in GE management case can include life insurance premiums, leased cars, personal use of aircraft, financial and tax planning, and relocation benefits that can be hefty.

Among those who plan to work in retirement out of financial necessity, a survey by the Transamerica Center for Retirement Studies found 43 % expected to use the money to cover essential expenses, 37 % to pay for health care, and 20 % to save more for retirement.2

If you're worried that you won't have enough income for the lifestyle you want in retirement, you might want to discuss with a financial advisor or insurance professional about the potential benefits of using annuities as part of your overall retirement plan.

In addition, effective use of credit is often a key component of sophisticated financial plans.

Edward Jones is not affiliated with any of the sponsoring firms of such professional designations and the use or attainment of a particular professional designation in no way implies that either Edward Jones or its associates provide financial planning services or investment advisory services.

To use smart algorithms responsibly, companies — particularly financial services firms — must identify potential problems early and have a well - conceived plan for addressing and removing unintended bias before it leads to discrimination in their lending practices, as well as potential discriminatory biases that may reach beyond lending and affect other aspects of a company's operations.

Management uses certain of these non-GAAP measures, including Adjusted EBITDA and segment Adjusted EBITDA, as key metrics in the evaluation of underlying Company and segment performance, in making financial, operating and planning decisions and, in part, in the determination of cash bonuses for its executive officers and employees.

In this context, the term «financial advice» is more broadly encompassing than the term «financial planning» used to be in previous versions of the Code of Ethics and Standards of ConducIn this context, the term «financial advice» is more broadly encompassing than the term «financial planning» used to be in previous versions of the Code of Ethics and Standards of Conducin previous versions of the Code of Ethics and Standards of Conduct.

The financial measure used in the Executive Bonus Plan (as defined below) for each of our named executive officers, other than Mr. Fowler, is year - over-year growth in Oracle's non-GAAP pre-tax profits, as defined below.

The financial metrics of revenue and net profit have been used under HP's annual bonus plan for many years, and the MBO metric was added in fiscal 2011.

I use my financial planning knowledge to develop recommendations for your situation, lay out pros and cons of various strategies, and break down your path forward in an easy - to - understand way.

To that end, Matrisian suggests advisors adopt a goals - based approach, which doesn't necessarily have to use so - called holistic financial planning, but still represents a shift in the conversation.

Download a financial calculator template developed by Bon Appétit Management Company for use in district - wide nutrition services financial planning.

The multi-year tables in New York State's just - released Enacted Budget Financial Plan for fiscal 2015 make continued use of Governor Andrew Cuomo's new fiscal conjuring device: a lump - sum, below - the - line reduction in future projected spending, based on the assumption that the governor will «propose, and negotiate with the Legislature to enact budgets that hold State Operating Funds spending growth to 2 percent.»

This will bring to $ 1.3 billion the amount of non-recurring windfall money that Cuomo has used to at least temporarily offset recurring operating expenses over the past four fiscal years, according to a table included in the financial plan update.

The MTA has an almost $ 2 billion more in new resources than it anticipated in its five - year financial plan, and should consider using it to...

In addition, the Financial Plan has come to depend on the use of timing - related adjustments, shifts and categorizations of spending, within the Budget and off - budget, to present a lower rate of growth in spending than would otherwise be the case, clouding the actual change in State spendinIn addition, the Financial Plan has come to depend on the use of timing - related adjustments, shifts and categorizations of spending, within the Budget and off - budget, to present a lower rate of growth in spending than would otherwise be the case, clouding the actual change in State spendinin spending than would otherwise be the case, clouding the actual change in State spendinin State spending.

The city's financial plan forecasts a surplus of $ 1.6 billion in FY 2014, which will be used to help balance the $ 73.9 billion FY 2015 budget, and out - year budget gaps of $ 2.6 billion in FY 2016, $ 1.9 billion in FY 2017 and $ 3.1 billion in FY 2018.

Our mission is to provide a carefully planned, stimulating environment in which children can develop a solid foundation and love of learning, using the Montessori Method regardless of gender, race, ethnicity, or financial ability.

Our mission is to provide a carefully planned, stimulating environment in which children can develop a solid foundation and love of learning, using the Montessori Method regardless of gender, race, ethnicity, or financial ability.