Tag: Financial

PhD in Clinical Psychology #fordham #university, #rams, #undergraduate, #graduate, #college, #school, #higher #education, #bachelor,


PhD in Clinical Psychology


The program is accredited by the Commission on Accreditation of the American Psychological Association (APA). Questions related to the program s accreditation status should be directed to the Commission on Accreditation:

Recent Achievements

Dr. Keith Cruise is co-principal investigator for a new grant to improve practices and outcomes for youth in the juvenile justice system at risk of negative after-effects from trauma. The Office of Juvenile Justice and Delinquency Prevention funded this collaborative effort under the direction of staff at the National Center for Mental Health and Juvenile Justice. Center for Trauma Recovery and Juvenile Justice. as well as various state and county level justice departments.

Congratulations to four of our CPDP faculty who have have been awarded six new research grants (5 of which are federally-funded, and 5 multi-year) that total almost $1-million in total direct costs. All of these grants focus on cross-cultural and/or vulnerable, underrepresented minority (URM) populations.

School settings URM youth

Our new research projects add to our CPDP faculty s multi-million dollar research portfolio across numerous faculty. These new projects also bolster our existing strengths in each of our core training areas. As detailed in the last column of the table above, each of the new projects contributes to our training in:

  • Biomedical, Psychosocial, Sociocultural aspects of Clinical Psychology
  • Our rigorous cross-cutting Training Priorities (i.e. Research Methodology, Research Ethics Forensic Issues, Assessment Techniques, and Advanced Analytics)
  • Our four core training settings and the vulnerable populations in these settings (i.e. School, Healthcare, Forensic Mental Health, and Community Engaged Ethics Research; children, adolescents, older adults; and vulnerable and understudied populations such as HIV, refugees, low SES, etc.)

Overview of newly funded research projects

  • Dr. Cruise has two new projects. The first is funded by the National Center for Mental Health and Juvenile Justice. This project will implement a new screening tool for juvenile justice community diversion centers. The second project is funded by SAMHSA and provides trauma support for youths who are at risk of, or already involved with the juvenile justice system. Both projects focus on Forensic Mental Health Settings vulnerable, low-income URM youth.
  • Dr. Rivera Mindt has a new project funded by the Alzheimer s Association that examines how genetic (APOE 4) and nongenetic (cerebrovascular, sociocultural) risk factors contribute to cognitive neural abnormalities in aging HIV+ Latinas/os. Trainees will collect and analyze data using novel Research Methodologies (i.e. genetics, neuroimaging, sociocultural), and this project incorporates Biomedical and Sociocultural training within a Healthcare setting with vulnerable, low-income URM older adults.
  • Dr. Rosenfeld received support from a Health Disparities/Equities Research Supplement to his NCI-funded R21 grant and contributes to our Research Ethics Forensic Issues training. This project focuses on health disparities by adding a sample of Latina/o cancer patients to an on-going study to validate a new measure of prognostic understanding. This project occurs in a Healthcare setting and involves research with Latina/o cancer patients.
  • Dr. Yip has a new project funded by the National Institute of Minority Health and Health Disparities and contributes to our Sociocultural training. This project adds a sample of Chinese adolescents to a study of ethnic/racial discrimination, sleep disturbance and health to an on-going study exploring the same associations among Black and Hispanic youth funded by the NSF. This project takes place in public School settings and involves ethnically diverse youth.

Associated Faculty

Tags : , , , , , , , , , , , , , , , , , , , , , , ,

Special Event Company NC, Event – Meeting Planners, financial planners raleigh nc.#Financial #planners #raleigh


financial planners raleigh nc

Financial planners raleigh nc

Nicholas Institute Launch

Nicholas Institute for Environmental Policy Solutions

Financial planners raleigh nc

NHL All-Star Weekend Party

Financial planners raleigh nc

‘The Who’ Tour Fan Kick-off

Teen Cancer America

Financial planners raleigh nc

Museum Grand Opening

The Mint Museum

What makes us different

The Special Event Company is a strategic, creative, one-stop shop for comprehensive meeting and event planning. With 28 years of award-winning special event planning experience, we’ll see that your event is flawless, whether it’s a corporate meeting or a fundraiser for a nonprofit.

Financial planners raleigh nc

We are trusted & connected

With headquarters in Cary, NC, a satellite location in California, and two international locations in London and Sydney, our event specialists have unparalleled connections and partnerships all over the world.

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Financial planners raleigh nc

Tags : , , ,

Investment Advisory Services -Highland Capital – Providing Trust – Confidence to Investors for more


A dedicated and experienced team of professionals.

Financial investors trust

VP Client Services

Financial investors trust

Mark Cronin
CFA, Portfolio Manager

Financial investors trust

Brian Escobedo
Associate Portfolio Manager, Analyst

Financial investors trust

Rhonda Harper
Account Administrator

Financial investors trust

Matt Hogle

Financial investors trust

Eric Leong
Portfolio Manager/ Quantitative Researcher

Financial investors trust

Constance Lich
Executive Assistant

Financial investors trust

J. David Luce
Portfolio Manager

Financial investors trust

Bart McMurry
Director of Equity Investments

Financial investors trust

Grant McMurry
Director VP Client Services Marketing

Financial investors trust

Jed Miller
Director of Fixed Income

Financial investors trust

Zelma Newberry
Marketing/Client Services

Financial investors trust

Richard Nolan
Director VP Client Services Marketing

Financial investors trust

Scott Notowich
Sr. Vice President Private Wealth and 401K

Financial investors trust

Andrew O Sullivan
Portfolio Manager/Fixed Income

Financial investors trust

Robert Page

Financial investors trust

J. Scott Rader
Vice President Marketing Client Service

Financial investors trust

Sandra Runyan

Financial investors trust

Denise Spivey

Financial investors trust

Steve Stack

Financial investors trust

David Thompson
CFA CIO Director

Financial investors trust

Mike Tindal
Director of Taft-Hartly Services Marketing

Financial investors trust

Wayne Warren

Financial investors trust

Todd Wishnia
VP Client Services

Financial investors trust

Steve Wishnia

Financial investors trust



6075 Poplar Avenue

Memphis, TN 38119

Phone: (901) 761-9500

Fax: (901) 761-5631


1035 Greenwood Blvd.

Lake Mary, FL 32746


6075 Poplar Ave.

Memphis, TN 38119


605 Bel Aire Blvd.

Mobile, AL 36606

Financial investors trust

Financial investors trust

©Highland Capital Management. All Rights Reserved.

Important Disclosure Information Highland Capital Management, LLC (“Highland”) is an SEC registered investment adviser headquartered in Memphis, Tennessee. Highland may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

Highland’s website is limited to the publication of general information pertaining to its advisory services, together with access to additional investment-related information and publications. Accordingly, the publication of Highland’s website on the internet should not be construed by any existing or prospective client as Highland’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.

Certain portions of Highland’s website contain discussions of, or provide access to, Highland’s commentaries as of a specific prior date. Due to various factors, including changing market conditions, such discussions may no longer be reflective of current positions or recommendations. Moreover, no existing or prospective client should assume that any such discussions serve as the receipt of, or a substitute for, personalized advice from Highland or from any other investment professional.

Tags : , ,

Protege Academy #protege #academy #of #cosmetology #campus #at #east #lansing #(call #517-324-3388), #16800 #chandler


Start in East Lansing or Mt. Pleasant, then travel the world!

Protégé Academy is Mid-Michigan’s most advanced school of cosmetology. We are a TIGI Creative School with locations in East Lansing and Mt. Pleasant. Our cosmetology program offers an exciting learning experience in a state of the art facility and a unique study abroad opportunity. Financial aid is available for those who qualify.

Our cosmetology students gain advanced education in make-up, cutting, and coloring. At Protégé Academy, you will:

  • learn from internationally trained, trend-setting stylists
  • excel under the coaching and mentorship of our experienced instructors from well-recognized academies
  • use the most innovative products, including TIGI Colour Line, BED HEAD Products, TIGI Cosmetics line. and OPI Nail Products
  • train in our state of the art facility with free parking and easy accessibility
  • study abroad with top TIGI educators and industry greats in New York, London, and Milan, Italy

Our commitment to hair, fashion, and make-up artistry is unparalleled. Our mission is to provide each student with a specialized national, and international education that prepares you for a competitive and successful career. Our graduates are educated in the highest standards of the business, using ethics and techniques that set them apart from others – with placement in the film industry and prestigious salons across the United States. Start your exciting career at Protégé Academy!

East Lansing Location Accredited by NACCAS.
Mt. Pleasant Location Accredited by NACCAS.

The National Accrediting Commission of Career Arts and Sciences is recognized by the United States Department of Education as a national accrediting agency for postscondary schools and departments of cosmetology arts and sciences and massage therapy. Financial Aid for those who qualify.

Protégé Academy participates in the Veterans Educational Benefits program. If you are interested in using your Veterans Educational Benefits at the Academy, please speak with the Financial Aid Director.

Schedule a Tour


Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

Take a hike: Ending client relationships – Journal of Accountancy #client #engagement #letter #financial


Take a hike: Ending client relationships

Consider this scenario: A key deadline is nearing, and the client is just now returning your calls and emails. But instead of responding to the open issues, the client indicates there is no real problem and irately demands that services be completed immediately. It is clearly time to end this client relationship.

Many accountants confess to daydreams of uttering Take a hike! to a less – than – ideal client. While it may seem like a good idea in the moment, such phrasing is not the most desirable way to terminate a client relationship. However, the process of telling a client to take a hike provides a useful analogy to guide a more professional, less risky end to contentious and cooperative client relationships alike. Treat a client termination as if it were a hike through uncharted lands.


Most journeys take expert planning and attention to detail. A client termination requires similar efforts. It is important to remember that both good and bad client relationships may need to end unexpectedly. No signpost indicates when a client relationship takes a wrong turn. The following are tools that may be useful in preparing for an unforeseen client termination:

  • Termination provisions: Including a clear termination provision in an engagement letter, indicating an engagement can be terminated without completion for any reason, can provide significant latitude, if termination becomes necessary. By including such a provision, the CPA firm may reduce the likelihood of a client asserting that the firm cannot withdraw from the engagement.
  • Deadline communication: Clients that are chronically noncompliant with terms of the engagement may need a gentle reminder of their responsibilities in the form of a written communication. Deadlines should be communicated in an engagement letter. A separate stand – alone letter or email may be appropriate if there are concerns about a client’s ability to meet the identified timing. A properly timed communication could even prevent the need for a client termination.
  • Ideal client profile: CPA firms should establish an ideal client profile and regularly evaluate the existing client base against the profile to identify clients that are no longer a fit for the firm. This protocol helps identify potential problem clients before the relationship becomes tenuous.


Any journey will have its own set of pitfalls and obstacles. The same can be said of client relationships. Though no maps, GPS, or satellite imagery guide a termination, awareness can help CPAs through the dangers of a contentious client relationship. It can be easy to overlook negative indicators, especially if the fees are substantial, the relationship is long – standing. or new clients are hard to find. Even more difficult to overcome are strong interpersonal connections between the engagement team and the client. Recognizing a bias toward retaining a client and being mindful of already serious or mounting issues can be the difference between exiting a client relationship unharmed or falling into a conflict. Common indictors may include:

  • Concerns regarding client integrity.
  • Fee or service complaints.
  • Disputes within the client organization.
  • Untimely or incomplete responses to requests.
  • Negative responses to constructive suggestions.
  • Poor attitude toward internal controls.
  • High accounting or management turnover.
  • Dismissive treatment of engagement team members.
  • Disrespectful treatment of client employees.

While counterintuitive, a client’s rapid success or expansion also could be an indicator that the relationship may need to be reevaluated. The client’s successes may require services and expertise that are beyond the CPA firm’s capabilities. However a proactive plan may prevent the CPA from making unintended errors that could result in professional liability claims, if services were to continue.


Whether the end of a client relationship is ambiguous or obvious, a client termination is not complete until it is formalized in a written communication to the client. Guidance on drafting the letter is as follows:

  • Omit the reason for the termination: A termination letter is not the time to win an argument with a client. The letter simply represents a method to inform the client that you are no longer providing services and identify the client’s responsibilities going forward. Explaining why the firm is ending services may only upset the client further or create a problem that previously did not exist.
  • Items for clientfollowup: After parting ways, your client will need to be pointed in the right direction to complete its journey. The letter should clearly map out the client’s responsibilities going forward and issues that should be raised with a successor CPA. Matters of particular importance to include are deadlines (statutory, regulatory, or operational), internal control weaknesses or breakdowns, and indicators of potential fraud or violations of laws and regulations. If deadlines are missed or a theft occurs and the CPA had not informed the client of those in writing, the client may blame the CPA firm.
  • Fees: At times, clients assert that CPAs knew they did not provide proper services because they do not request outstanding fees. As a result, whether or not you expect to collect unpaid fees, a termination letter should state the outstanding balance of fees due. A final billing statement may resolve any confusion and could be included as an enclosure with the termination letter.
  • Send a hard copy: Advances in technology have made most interpersonal communications nearly instantaneous. Yet, the professionalism and permanence of an actual mailed letter cannot be ignored. Unless there is a looming deadline or other rare situation, a hard copy of the termination letter should always be sent by a method that will confirm receipt by the client. Further, the letter should be sent via a traceable method to demonstrate delivery and receipt.


The client termination process is no walk in the park. It involves a commitment of will, time, and professionalism. It is not an easy choice or one that should be made on a whim. Once started, the process should be seen through to completion. The following tips will assist in managing this process:

  • Evaluate your mindset: While it is important to assess the client’s actions in making a termination decision, it is equally important to assess your own mentality once the decision to terminate has been made. The goal of a termination is to lessen or avoid a conflict with a client. Failing to maintain a professional attitude throughout the termination could elicit a client response that results in unnecessary stress, reputational damage, or even a professional liability claim.
  • Stick to the path: Once your services have been officially terminated, do not continue to provide services or reengage with the client for additional services. Allowing a client to talk you into providing services is akin to traversing a bridge that you already know to be perilous. It may seem as though you are performing just one more task before concluding the engagement, but continuing to provide services lessens the likelihood that the client will ever accept that the relationship has ended. Just remember, when the relationship terminates, it is a final decision.

Continental Casualty Co. one of the CNA insurance companies, is the underwriter of the AICPA Professional Liability Insurance Program. Aon Insurance Services, the National Program Administrator for the AICPA Professional Liability Program, is available at 800-221-3023 or visit cpai.com .

This article provides information, rather than advice or opinion. It is accurate to the best of the authors’ knowledge as of the article date. This article should not be viewed as a substitute for recommendations of a retained professional. Such consultation is recommended in applying this material in any particular factual situations.

Examples are for illustrative purposes only and not intended to establish any standards of care, serve as legal advice, or acknowledge any given factual situation is covered under any CNA insurance policy. The relevant insurance policy provides actual terms, coverages, amounts, conditions, and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice.

Tags : , , , ,

The Financial Express – Business News, Industry, Personal Finance, Stock Market News #businesses #to

#stock market news today


The Railways need to evaluate whether it should continue to have 125 hospitals, 600 polyclinics and 100 schools directly under its wing, he said.

Outgoing RBI Governor Raghuram Rajan today rejected the idea of the government taking a special dividend from the central bank for recapitalisation of public sector lenders, saying there is no free lunch .

India and Vietnam today called for a reform of the UN and an expansion of the Security Council in both the permanent and non-permanent categories of membership, with enhanced representation from developing countries.

Country s largest two-wheeler maker Hero MotoCorp plans to launch 15 new products in domestic as well as international markets this fiscal, a top company official said today.

Find the Jeep pricing absurd? Here s the reason and why it isn t necessarily bad

New Jaguar sets record as fastest selling car for Tata Jaguar Land Rover

Stable regulatory framework important for investment in auto sector

The system, which would utilise the same machine learning technology used in Microsoft s artificial intelligence (AI) assistant Cortana, is designed to have a long lifecycle.

Samsung announces swap for Galaxy Note 7 with Galaxy S7 variants

Xiaomi Mi Max: Phablet with long-lasting battery for heavy users

From UrbanClap to OTJ247, take to tech to slay the chores and really enjoy the festive season

Odisha Chief Minister Naveen Patnaik today launched the Biju Kanya Ratna Yojana (BKRY) and inaugurated 1,000 anganwadi buildings here as part of the celebration marking birth centenary of legendary Biju Patnaik.

The extraordinary life of Mother Teresa, who worked relentlessly for the upliftment of the destitute and who will be declared a saint by the Roman Catholic Church, must be brought alive on the silver screen, says India s acclaimed veteran filmmaker Shyam Benegal.

Tags : , , , , , , , , , ,

College Education Grants for Military Personnel, financial aid for military spouses in college.#Financial #aid


Armed Forces Financial Aid Grants

The United State Army offers the Spouse Education Assistance Program (EAP) which is a To honor veterans and reward U.S.military personnel, each branch of the service puts forth financial aid for student-soldiers. Some programs are specific to the Army, Navy, Air Force, Marines and U.S. Coast Guard, but others are offered to anyone serving. The United States department of Veterans Affairs administers the most widely recognized educational benefit for soldiers going to college The Montgomery G.I. Bill

The Montgomery G. I. Bill is a long-standing military benefit that facilitates college funding for those who serve in branches of the U.S. Armed Forces. The program is administered in two distinct chapters: Montgomery G.I. Active Duty and Montgomery G.I. Selected Reserve.

Montgomery Bill Active Duty (Chapter 30) aid guarantees up to 36 months worth of benefits for soldiers enrolled at institutions of higher education. The $50,000 eligibility is subject to additional funding allowances for active duty Army personnel who make individual contributions to their Montgomery accounts. The $600 buy-up program opens the door for additional student aid totalling over $5000 for each contributing participant. Generally, veterans remain eligible for Montgomery G.I. Bill funding for at least ten years following service, and additional resources are earned by committing to Army Reserve contracts.

The most recent incarnation of the initiative, The Post-9/11 G.I Bill, provides educational resources for approved education in these areas:Financial aid for military spouses in college

  • Graduate studies
  • Undergraduate degree pursuits
  • Vocational school
  • Technical school
  • On-the-job training
  • Flight school
  • Distance learning
  • Licensure
  • Entrepreneurial instruction
  • Tutoring
  • Testing

The United State Army supports education for military family members, with the Stateside Spouse Education Assistance Program (SEAP). Army grants help spouses of soldiers who are serving within the United States, Europe, Korea and Japan. The program is a need-based initiative, with maximum awards totalling in the hundreds of annual tuition dollars for each successful applicant. Successful candidates are pursuing their first 4-year college degrees at approved schools. Part-time enrollment must be maintained, in order to qualify for SEAP assistance, and ongoing participation requires a 2.0 GPA.

The Spouse Tuition Aid Program (STAP) is for Navy service members who are serving overseas, and their families. Qualified applicants reside with active duty service-members, and attend college full or part time. Funds may be applied in the pursuit of undergraduate or graduate degrees. Participants attend accredited institutions of higher education that are approved by the U.S. Department of Education.

Air Force

The Air Force Tuition Assistance Program (TA) benefits active duty Airmen engaging in higher education. The program pays up to 100% of tuition costs for education that is voluntary and conducted during off-duty hours. The current maximum benefit for TA participants is $4500 each academic year. Qualified educational pursuits are conducted at two and four-year colleges, universities, technical schools and community colleges. Distance and correspondence learning options also qualifiy for assistance under this Air Force program

Like other branches of the armed forces, the Air Force provides educational support for ROTC students. The Scholarships for Outstanding Airmen program (SOAR) nominates up to 50 candidates annually, to compete for college assistance in technical, health, foreign language and other fields.


Marines benefit from federally sponsored education initiatives at the undergraduate level and beyond. Programs like the Marine Deployed Education Program provide undergraduate courses for afloat marines, with 100% of tuition costs absorbed by the government. The Marine Corp College Fund is a supplemental resource that, when combined with G.I.Bill, covers most college costs for eligible participants.

Navy (Marine Option) Reserve Officer Training Corps scholarships provide educational funding for worthy would-be-officers who make Marine Corps Reserve commitments.

The Admiral Mike Boorda Seaman-to-Admiral Educational Assistance Program offers annual grants to eligible Sailors and Marines. Boorda awards are valued between $500-$3000 each. Active duty service members accepted to the following programs are invited to apply for educational funding:

  • Enlisted Commissioning Program
  • Marine Enlisted Commissioning Education Program
  • Medical Enlisted Commissioning Program

Coast Guard

The Coast Guard Mutual Assistance (CGMA) program offers annual grants worth $150 each, to help with college bills. The supplemental resource is reserved for ancillary education expenses, outside tuition costs, like books, housing, and supplies. Coast Guard service members and their immediate families qualify for Coast Guard Grants.

Like other federally backed financial aid for military service members, CGMA assistance applies to testing costs, if required. That means college entrance exam fees, like those charged for the SAT and ACT tests, are covered by grants.

Tags : , , , , , ,

Jay Tobias #financial #advisor, #financial #planner, #investments, #ria, #cfp, #registered #investment #advisor, #independent #financial


Jay Tobias Bend, Oregon

Jay S. Tobias is a financial advisor employed by LPL Financial in Bend, Oregon. With over 23 years of experience and 4 exams passed, Jay Tobias maintains the following registrations:

Investment Advisor
Jay Tobias is registered with the SEC as an Investment Advisor, which is defined as someone who is paid to provide advice about securities. Investment advisors can also be paid to manage investment portfolios or offer financial planning services. Other terms commonly used for investment advisors include Investment Advisor Representative (IAR) and Registered Investment Advisor (RIA).

Mr. Tobias is also registered with FINRA as a Broker (sometimes referred to as a broker-dealer registered rep. or RR ). Brokers are the sales personnel who work for larger brokerage firms. These firms (also known as broker-dealers ) are in the business of buying and selling securities such as stocks, bonds, mutual funds and other investment-related products. These firms are also registered with FINRA and can engage in securities transactions on behalf of its customers (as broker) or for its own account (as dealer).

Advisor data current as of May 15, 2017

Fees and Services

Types of fees charged:

  • Percentage of Assets
  • Hourly Charges
  • Commissions
  • Fee Only

Advisory services offered:

  • Financial Planning
  • Portfolio Management for Individuals
  • Portfolio Management for Businesses/Institutional
  • Educational Seminars
  • Securities Portfolio Management
  • Selection of Other Advisors
  • Wrap Fee Program
  • Other Advisory Services

State Registrations

Financial advisors must register with each state in which they conduct business. Below is a record of each state where Jay Tobias maintains an active registration.

For those interested in managing some of your investments on your own we have more research tools that may be of assistance. Below is a sample list of funds from our Mutual Funds Research Topic. where you can sort and filter mutual funds based on annual performance, ratings, fees and much more. We also publish an up-to-date Online Brokers Research Topic which lists current promotions and a Smart Rating Score for each firm.

Mutual Funds Research Topic

Find Highest-Rated
Mutual Funds >>

Data updated on May 15, 2017 via the following sources:
SEC Investment Advisor Public Dislcosure: adviserinfo.sec.gov
FINRA BrokerCheck: brokercheck.finra.org

Tags : , , , , , , , , , , , , , , , , , , , , ,

Find a CERTIFIED FINANCIAL PLANNER – Professional or Advisor, PlannerSearch, financial planner cincinnati.#Financial #planner


Find Your Financial Planner Now

Financial planner cincinnati

Choosing a CERTIFIED FINANCIAL PLANNER (CFP ) professional is as important as choosing a doctor or lawyer; it’s a very personal relationship. Many CFP professionals specialize in working with certain types of clients, such as small-business owners, executives or retirees. Some specialize in certain areas of planning such as retirement, divorce or asset management. We recommend you interview at least three CFP professionals to find the right one that best serves your needs.

Financial planner cincinnati

Evaluate your full financial picture or work with a CERTIFIED FINANCIAL PLANNER (CFP ) professional to help you navigate your own numbers to determine what makes sense to you.

Financial planner cincinnati

Financial planner cincinnati

Work with a CERTIFIED FINANCIAL PLANNER (CFP ) professional who is required to complete extensive training and continuing education and can help you with big picture planning as well as portfolio management. A good resource for finding a CFP® professional is the Financial Planning Association’s website, PlannerSearch.org.

Financial planner cincinnati

Financial planner cincinnati

The best approach is to work with a CERTIFIED FINANCIAL PLANNER (CFP ) professional who will provide a customized plan to help you understand the risks and provide a roadmap for a successful retirement.

Financial planner cincinnati

Financial planner cincinnati

The best approach to determine how fast you can and should eliminate debt is to work with a CERTIFIED FINANCIAL PLANNER (CFP ) professional. These individuals are highly trained and specialize in improving the financial well-being of single professionals, couples and families.

Financial planner cincinnati

Financial planner cincinnati

If you’re looking for broad-based advice about various aspects of your financial life, hire a CERTIFIED FINANCIAL PLANNER (CFP ) professional. These professionals must pass an extensive exam and meet other education and ethics requirements to gain the credential.

Financial planner cincinnati

Financial planner cincinnati

The Financial Planning Association (FPA), a professional membership organization for the financial planning community, is a good place to find a CERTIFIED FINANCIAL PLANNER (CFP ) professional. FPA member planners can help people assess their financial health, set realistic financial and personal goals, and develop comprehensive plans to meet those goals.

Financial planner cincinnati

Financial planner cincinnati Financial planner cincinnati

Planning for Life Events

FPA offers resources designed to help individuals understand the importance of financial planning and the value of objective advice from a financial planner. Below are a selection of these helpful resources. Visit our Planning for Life Events page for more helpful resources.

Financial planner cincinnati

A Financial Primer for the Contemporary American Household

In the melting pot that is today’s America, would you believe that “traditional” husband-and-wife family households are now in the minority.

Financial planner cincinnati

Financial Matters Following a Loved Ones Death

Making sensible financial planning decisions after the loss of a family member or personal friend can be quite a challenge.If designated to.

Financial planner cincinnati

How Owning Rental Properties and Stocks Can Be Similar

In today’s turbulent market, why not rent out your portfolio — yes, rent out your portfolio! Okay, maybe that’s not entirely possible.However.

Financial planner cincinnati

Charitably Inclined?

As we approach the Holiday Season, our thoughts of giving usually rise. Whether it be for family and friends or for those in need, or causes.

Financial planner cincinnati

4 Steps Toward Good Financial Decisions

Making good financial decisions sits at the base of financial success. Really all financial advice revolves around that one goal — helping you.

Financial planner cincinnati

No Substitute

If advertising trends are any indication, more and more of us are experiencing increased levels of what I’ll call “yield fatigue”. New.

Financial planner cincinnati

Checklist for Year-End Planning

I recently attended a large public seminar that focused on educating consumers about the value of financial planning. The headliner of the.

Financial planner cincinnati

Determine if You’re Ready to Start Investing

Life is good. You love where you live. You’re flourishing at work. Your income is growing, and so, too, is your bank account. Everything, it.

Financial planner cincinnati

Location, location, location

You have probably heard the old real estate adage – location, location, location – meaning the location of your house has a great impact on.

Financial planner cincinnati

Top 10 Reasons I m Thankful

I’m thankful that I’m not a turkey!I’m thankful that I have the gift of sight so that I can see the changing of the leaves and my little girls.

Financial planner cincinnati Financial planner cincinnati

What is The Financial Planning Association?

The Financial Planning Association (FPA ) is the largest membership organization for CFP professionals in the U.S. and also includes members who support the financial planning process.

Financial planner cincinnati Financial planner cincinnati

Financial planner cincinnati

Tags : , ,

Financial Advisor – Career Rankings, Salary, Reviews and Advice #business #ethics

#business careers


Financial Advisor Overview


It’s an exciting time to be a financial advisor, since several decades ago, the position didn’t really exist. You were either a stockbroker or a community banker or even in insurance sales, according to James Kinney, a certified financial planner and founder of the New Jersey-based Financial Pathways. Now, however, financial advisors perform all these roles, from small independent practices to big investment firms.

“As a larger portion of the industry shifts away from the banks, brokers and insurance companies, additional opportunities have opened,” writes Eric Schaefer of the Virginia-based wealth management, investment and financial planning firm Savant Capitalin an email. “As this transition takes place, many advisors have gone independent or created ensemble relationships in new businesses. These new businesses need young, energetic and driven professionals to leverage the time of senior advisors and provide for the future continuity of the business.”

Put simply, financial advisors meet with clients and counsel them on their finances. This could mean sitting down and creating budgets to firming up retirement plans to giving advice about investing. Financial advisors can also invest a client’s funds and meet with him or her regularly to discuss their investments. Some are also licensed to sell insurance. Many times, financial advisors help plan a safe, comfortable future for their clients, but they’re also called upon when the unexpected occurs –perhaps an aging parent suddenly requires a live-in nurse, a couple plans on divorcing or a child needs to transfer to an expensive private school. Financial advisors may step in and make sense of these fiscal troubles and create a plan for moving forward. For that reason, Schaefer explains, “Good financial advisors and good teachers tend to have a lot of traits in common.” He points out that advisors must be able to listen to their clients; explain complex ideas in easy-to-understand ways; and be able to sympathize with their clients.

This is expected to be one of the faster-growing occupations over the next decade, with a projected growth rate of 30 percent through 2024, according to the Labor Department. That’s an additional 73,900 new positions on top of the 249,400 jobs financial advisors held in 2014. The retirement of baby boomers in need of financial planning advice is one driver of the expected growth. Still, employment may be tempered by the increasing number of online advisory tools, which may divert clients from seeking financial advice in person.

Quick Stats

$81,060 Median Salary

3.3% Unemployment Rate

73,900 Number of Jobs


The median annual salary for financial advisors was $81,060 in 2014, with the lowest-paid earning less than $35,500 and the highest-paid earning more than $187,199. On top of their salaries, many advisors also earn substantial bonuses. The best-paid financial advisors live in the metropolitan areas of Danbury, Connecticut; Panama City, Florida; and Great Falls, Montana.

75th Percentile. $139,350

25th Percentile. $52,590

How much do Financial Advisors make in your city?

See current salary offers for jobs in this field


To be a financial advisor, you need financial expertise and a desire to help people. A bachelor’s degree is typically a good starting place, but you can choose a broad range of degrees – from finance to business to something entirely different. Increasingly, universities have begun offering financial planning degrees, too.

However, Schaefer says, “My colleagues and I agree that 80 percent of our job is psychology, and only 20 percent is financial. I know successful owners of financial advisory firms that specifically recruit psychology majors for this reason. Though a business or economics degree will better prepare a professional to take industry exams or explain financial products, the ability to understand the core concerns and goals of a client or prospective client is much more valuable.”

The Certified Financial Planner exam is required to become a CFP –a distinction that looks good to employers. You can also acquire other designations if you want to specialize in a certain area of financial planning. For instance, you can complete the necessary coursework and exam to acquire the Chartered Retirement Plans Specialist, or CRPS, designation. And if you plan on buying or selling stocks or selling insurance, you’ll need to procure state-specific licenses.

Job Satisfaction

Average Americans work well into their 60s, so workers might as well have a job that’s enjoyable and a career that’s fulfilling. A job with a low stress level, good work-life balance and solid prospects to improve, get promoted and earn a higher salary would make many employees happy. Here’s how this job’s satisfaction is rated in terms of upward mobility, stress level and flexibility.

Upward Mobility. Above Average
Opportunities for advancements and salary

Stress Level. Above Average
Work environment and complexities of the job s responsibilities

Flexibility. Average
Alternative working schedule and work life balance

Similar Jobs

Tags : , , , , , , , ,