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Category Archives: Uncategorized
National CFO Survey Results
Today Grant Thornton LLP released the results of a national survey of U.S. Chief Financial Officers (CFOs) and senior comptrollers. The study concluded there is growing optimism about the U.S. economy as 48% say it will improve over the next six months (up from 30% six months earlier). While still tepid, 39% intend to increase [...]
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A Moment To Focus On The Good
One of my favorite economists, Jeff Thredgold, pointed out in his recent newsletter that society tends to focus on negative information. Consequently, he dedicated some time to focusing on the positive developments within the U.S. Here is a sampling of the information he mentioned: The 0.9% decline in the nation’s unemployment rate during the past [...]
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Should We Fear Global Uncertainty?
Recent “cataclysmic” events will be approximately the fifteenth time the world was supposed to end since 1981, when some individuals at Net Worth Advisory Group began their careers as financial advisors. Think about all the crises that have happened and been predicted over the years. Thirty years ago, a Utah man became popular by predicting [...]
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How Do Equity Indexed Annuities Stack Up?
Sales of equity indexed annuities (EIAs) have grown considerably in recent years. These products are positioned as simple investment vehicles that enable the investor to participate in market gains but offer protection from market losses. In reality, these are complex investments and because salespeople are paid large commissions for promoting these products, it’s difficult to [...]
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Does the Threat of High Inflation Justify Portfolio Adjustments?
Inflation has been an increasing concern in the investment markets during the past year. Many wonder what actions they should take to protect their portfolios in the event of hyper inflation. To address this issue, let’s look at the worst 10-year period of inflation on record – 1973 thru 1982. This is a great time [...]
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Is the Bond Market a Concern?
Lately, I’ve had more than a handful of clients express worries that the bond market will continue to decline in value. Consequently, many individuals have wondered whether they should sell their bond positions. When addressing these concerns, I first remind my clients that my goal is not to predict what the markets will do, but [...]
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Excessive 401(k) Fees and What You Can Do
401(k) plans can involve a long list of costs and fees, some of which are covered by the employer and some by the employee. Below is a quick sampling: • recordkeeping fees • annual audit fees • back-end loads • brokerage commissions • contract administration fees • distribution expenses • expense ratios • front-end loads [...]
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What if the Medical Profession Operated Like Financial Services?
Bob Veres has always been a strong supporter of transparency in the financial planning profession, and a constant supporter of the fee-only minority within the industry. Allow me to sum up an excellent article he published in the January 2011 issue of Financial Planning Magazine: Janice and Ralph arrive at the medical healing center to [...]
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Lifelong Investing Resolutions
As we welcome the new year, I thought I would share six sensible investment resolutions published by Dimensional Funds that everyone can utilize: 1) I will not confuse entertainment with advice. I will acknowledge that the financial media is in the entertainment business and their message can compromise my long-term focus and discipline, leading me [...]
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Net Worth Advisory Group Strengthens Senior Management Team