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In last month's column, "Diamonds in the Rough," I wrote about our dramatic new strategy for reorganizing independent advisory firms. Diamond teams match a senior advisor and two lead advisors with a single associate advisor whose primary job is to sit in every client meeting, taking notes and learning how to be a lead advisor.
Originally designed as a solution to better train young advisors to work directly with clients, we found that in practice diamond teams offered additional benefits such as creating a clear career track for young advisors, a succession plan for lead and senior advisors, an exit strategy for owner-advisors, increasing productivity of all advisors—and consequently making diamond-team firms employers of choice for many young advisors.
As I mentioned last month, it's not easy to get firm owners to buy into paying associate advisors to mostly sit in client meetings. What I didn't talk about then is that to get the many benefits of diamond teams and to operate at maximum efficiency requires one more step: to create and staff a fully functional back-office support group or, as we call it, "centralized client service and operations" (CCSO).
The goal of client service specialists is to take as much off the plates of our advisors as possible so they can focus on servicing their clients, attracting new clients or managing the firm (in the case of owner-advisors). We've built CCSO departments for all of our client firms, whether they use the diamond team structure or not. They more than pay for themselves in advisor productivity and—as a bonus—make their lives easier.
In all of our client firms, the non-professional staff works in our centralized client service departments. They handle all the contacts with custodians or broker-dealers and other vendors, keep the technology systems fully operational, enter financial planning data into software, maintain CRM files, and perform routine client contact such as taking phone calls and emails, setting up appointments, creating and mailing or emailing communications, and gathering information or documents. The sole responsibility of client service specialists is to ensure that every client of their firm feels they are getting the best, most personalized service possible.
The majority of these CCSO positions are filled by non-professional employees such as administrative people and client service or operational representatives. Generally, these employees have little desire to become professional advisors. Instead, they prefer the relatively low stress and shorter hours of back-office work. This dedicated support staff greatly increases the experience and expertise of our back offices, while it reduces both employee turnover and the training and retraining commonly associated with hiring support advisors who eventually move out of these roles into advisory roles.
The typical career path for our dedicated CCSO positions leads to supervisor, manager and eventually to chief operations officer as the firm grows. We find that a supervisor is necessary for every $1 million in annual firm revenue, while at about the $1.5 million revenue mark, firms see the need for a manager to oversee the entire department. These positions will vary from firm to firm, but as a rule of thumb, when we find that one or more of our client service staff is spending more of their time on administrative duties and overseeing other staff rather than directly on client work, it's time to promote one of them to supervisor. Then, when the number of supervisors reaches four or so, including IT, bookkeeping, report generation and custodian or BD interface, we usually create the position of department manager to coordinate all these efforts.
At around $2 million in gross annual revenue, we usually see a need for a chief operating officer emerge in advisory firms to coordinate the efforts of the burgeoning operations staff and to undertake strategic planning for filling the expanding demands on client services. Traditionally, this COO position tends to be filled either full-time or part-time by a reluctant partner who is essentially forced to perform this role by the growing operational demands within the firm. However, we've found that a dedicated client services staff that includes supervisors and managers who have grown in responsibility as the firm has grown are far more qualified to oversee operations. Owner-advisors have ample opportunity to direct operational strategy in management committee meetings (on which the COO sits), but are better off—and happier—leaving the hands-on management of operations to someone more qualified.
The job of a client service specialist does not require advisory knowledge, but it does require a basic understanding of financial planning and investment management processes, and mature customer relationships skills to handle non-advisory questions—all of which can be taught on the job. Some firms use this as an entry-level position for candidates who are pursuing an advisory education, but have not earned a degree or designation in financial planning. However, for reasons stated above, we prefer to promote employees from our administrative staff. CSSs do not attend advisory client meetings, but they do handle the vast majority of the non-advisory follow-up and back-office paperwork.
I should point out that in larger firms, diamond teams also are supported by an investment management department. Usually, within the diamond team structure, one of the lead or the senior advisors (or a group of lead and senior advisors) will develop a specialty in investment management. When a firm reaches sufficient size—usually in the $4 million to $5 million revenue range—one or a group of these advisors will break off from their team to form what's commonly referred to as an investment management department. This department then takes responsibility for managing all of the client assets of the firm, including investment research, security selection, portfolio management and rebalancing in accordance with the overall guidelines set by the investment management committee of the firm. These investment managers also work closely with the lead and senior advisors in each diamond team to customize their client portfolios and to educate those advisors about specific investment decisions and portfolio performance data.
To build an investment management department, at least one of the lead or senior advisors will assume this as their primary role in the company. Often a chartered financial analyst (CFA) is hired to oversee the new department. The investment management department is typically the very last department to be built in the company. Ironically, as the company gets bigger and bigger this department also assumes a diamond team structure with the CFA or portfolio manager at the top of the diamond, two research analysts at first and third base, and a trader at home plate.
Overall, our goal is to make sure that our advisors are spending all their time in the office working with clients, prospecting, setting goals for the business, and nothing else. It is this foundation—built on a client service department and, eventually, an investment management department—that allows senior and lead advisors in each diamond team to work without the need for traditional support advisors, and therefore makes the diamond team structure work. For firms that have not yet adopted a diamond team structure, it creates leverage that enables senior and lead advisors to serve their clients better and more efficiently—and gives them more time to attract new clients and grow their firms.


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Red Sox - 000 001 001 - 2 5 0So ... race you to the Tobin.
Rangers - 200 000 11x - 4 7 0
Texas jumped on Beckett for two quick runs in the first -- Kinsler double, Jones two-out walk, double steal (Varitek did not even get out of his crouch, grrr), Blalock two-run single.
Beckett then set down the next 14 batters, but the Red Sox could do little with Hunter during that time. Hunter was also helped out by some great catches from Kinsler in foul territory and Byrd in right field.
Boston cut the lead to 2-1 when Pedroia singled with two outs in the sixth and Youkilis followed with a double to the gap in right-center. but Beckett allowed single runs in the seventh and eighth.
The closest the Red Sox came to tying the game was in the seventh. Down 2-1, two walks had put runners at first and second with one out. but Varitek struck out (yes, the last pitch was high in the zone) and Lowrie popped to short. Varitek was also the potential tying run with two outs in the ninth, but he grounded harmlessly to third.
No Red Sock had more than one hit. Jason Bay walked three times.
David Ortiz committed an astonishing stupid base-running gaffe leading off the second. He singled to right, and even with the play in front of him, tried to "run" for a double. He was thrown out by 15 feet. And NESN's Dave Roberts actually defended Flo's foolery, saying it was good move because he was "trying to create a spark". As though hitting a leadoff single wasn't any good.
The Yankees beat the Orioles 6-4, to push the Red Sox -- currently on a season-high four-game losing streak -- out of first for the first time since June 7 and are 1 GB.
Josh Beckett (3.35, 139 ERA+) / Tommy Hunter (2.35, 189 ERA+)
Beckett closed out the first half of the season on July 12 with a complete game, three-hit shutout of Kansas City. He will be pitching with nine days of rest. Even with two bad outings in his last ten starts, his ERA over that period is 1.72. ER allowed: 0, 1, 0, 0, 6, 0, 0, 5, 2, 0.
A rookie in both 2008 (three starts, 11 innings) and 2009, Hunter will be making his eighth major league start tonight.
The Boston bats remain quiet. The Red Sox hit .188/.255/.302 in the Toronto series, losing two of three. Last night's game brought their post-ASB line to .202/.257/.302.
Since June 24, Jason Bay is batting .149 and slugging .243 (21 games). ... J.D. Drew is 1-for-his-last-26. ... After a hot June, David Ortiz's hitting has gone back into hibernation: .218/.279/.509 in July (he has four doubles and four home runs among his 12 hits to boost his SLG).
Amalie Benjamin notes:
Friday night against the Blue Jays, Daniel Bard became the first Sox reliever to strike out at least three batters in three consecutive appearances since Alan Embree from Aug. 7-17 in 2002. The last Sox rookie reliever to do it was Craig Skok, in four straight games from July 17-Aug. 7 in 1973.
W L PCT GBIn New York, Sergio Mitre gets the ball against the Orioles. It will be his first major league appearance since September 15, 2007. 7 PM.
Red Sox 55 37 .598 ---
Yankees 55 37 .598 ---
Rays 51 42 .548 4.5
Blue Jays 46 47 .495 9.5
Orioles 41 51 .446 14.0


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Learning resources
Discover activities to support a range of curriculum topics for use in the classroom, in our galleries and beyond.
Please note: In line with government guidance, all school and group visits to the National Science and Media Museum are suspended until further notice.
If you would like to contact us about an existing booking, please email firstname.lastname@example.com.
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Plus our incredible collection—and the inspirational stories it contains—remains open to you and your students online.
Given the uncertainty we are all facing together, it is not possible to say when school and group visits will be available, but we look forward to welcoming you back as soon as we can.
From Early Years to Key Stage 4 and beyond, the National Science and Media Museum provides stunning opportunities to learn about the principles of light and sound and the science behind photography, film and television.
Inspire your class with our exciting interactive science shows, workshops and galleries, experience a documentary in our spectacular IMAX cinema, or explore our learning resources.
Take a journey through the history of photography. Step into a 19th century portrait studio, see hundreds of incredible objects from our collection, and watch the world's first moving colour film.


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Vans Off The Wall Classic T-Shirt - Fuchsia Purple
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If you are not completely satisfied with your purchase, simply return the items to us in their original condition and packaging within 100 days of receipt of your order for either an exchange of product or a refund. Click here to see our full returns information
Nike SB now have some of the biggest names in skateboarding on their roster: Guy Mariano, Stefan Janoski and Eric Koston. If you're out skating or on a run, Nike SB's skate shoes and running shoe crossovers will keep you going, in both comfort and style.View All Nike SB


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In support of UNCTAD's vision of "Prosperity for All", the Division focuses its initiatives on the poorest and most vulnerable developing countries in the world.
The Division aims to address development challenges in Africa and Least Developed Countries (LDCs), as well as in countries with specific geographical barriers, notably Landlocked Developing Countries (LLDCs) and Small Island Developing States (SIDS). The Division offers targeted, analytically-sound policy recommendations and technical assistance to foster inclusive and sustainable development, aligning its work with the 2030 Agenda for Sustainable Development.
The Division conducts evidenced-based research and policy development; publishes flagship reports including the Least Developed Countries Report, and the Economic Development in Africa Report; produces UN-mandated Vulnerability Profiles, tracks progress towards graduation, and prepares smooth transition strategies for LDCs; provides tailor-made and demand-driven technical assistance programmes; supports and facilitates intergovernmental consensus building and coordinates UNCTAD's work on Africa, LDCs, LLDCs and SIDS.
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MEDINA, Ohio--(BUSINESS WIRE)--Jun. 25, 2018--
International Inc. (NYSE: RPM) announced today that it will
release its fiscal 2018 fourth-quarter and year-end results before the
stock market opens on Thursday, July 19, 2018. The results will be
issued via newswire and also will be available on the RPM website at www.RPMinc.com.
Management will host a conference call to discuss the results beginning
at 10:00 a.m. EDT the same day. The call can be accessed by dialing
888-771-4371 or 847-585-4405 for international callers. Participants are
asked to call the assigned number approximately 10 minutes before the
conference call begins. The call, which will last approximately one
hour, will be open to the public, but only financial analysts will be
permitted to ask questions. The media and all other participants will be
in a listen-only mode.
For those unable to listen to the live call, a replay will be available
from approximately 12:30 p.m. EDT on July 19, 2018 until 11:59 p.m. EDT
on July 26, 2018. The replay can be accessed by dialing 888-843-7419 or
630-652-3042 for international callers. The access code is 46126377. The
call also will be available both live and for replay, and as a written
transcript, via the RPM website at www.RPMinc.com.
About RPM
RPM International Inc. owns subsidiaries that are world leaders in
specialty coatings, sealants, building materials and related services
across three segments. RPM's industrial products include roofing
systems, sealants, corrosion control coatings, flooring coatings and
other construction chemicals. Industrial companies include Stonhard,
Chemical and RPM
Belgium Vandex. RPM's consumer products are used by
professionals and do-it-yourselfers for home maintenance and improvement
and by hobbyists. Consumer brands include Rust-Oleum,
and Testors.
RPM's specialty products include industrial cleaners, colorants,
exterior finishes, specialty OEM coatings, edible coatings, restoration
services equipment and specialty glazes for the pharmaceutical and food
industries. Specialty segment companies include Day-Glo,
Wood Finishes, Mantrose-Haeuser,
Brands, Kop-Coat
and TCI.
Additional details can be found at www.RPMinc.com
and by following RPM on Twitter at www.twitter.com/RPMintl.
For more information, contact Barry M. Slifstein, vice president –
investor relations, at 330-273-5090 or email@example.com.
View source version on businesswire.com: https://www.businesswire.com/news/home/20180625006261/en/
Source: RPM International Inc.
RPM International Inc.Barry M. Slifstein, 330-273-5090vice
president – investor firstname.lastname@example.com
RPM International Inc. (NYSE: RPM) owns subsidiaries that are world leaders in coatings, sealants, building materials and related services. From homes to precious landmarks worldwide, their brands are trusted by consumers and professionals alike to protect, improve and beautify. Among its leading consumer brands are Rust-Oleum, DAP and Zinsser. Learn more about RPM brands >>
RPM is a compelling long-term investment.
The percent by which RPM's 10-year total return has bested the S&P 500. More reasons >>
Get the latest news and financial information on why RPM is a good investment Download investor kit >>
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Codycross Pet Shop Answers for all levels in english, if you're stuck and can't complete a level, here you can find all the cheats and hints you need to take the game to the next challenge!
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Whether you want to be a technician, fitter or work in an administration role, we have many opportunities. So if you want to join a progressive company with excellent career prospects please view our latest vacancies.
Company news | Fleet | General | Industry updates
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Registered Number 1612587 VAT Number 322 1657 86
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This print set features 2 of my original watercolor paintings that I hand painted on hot press paper in 2020. All prints are gallery quality Giclée prints on pure white, ultra smooth, 100% cotton rag, acid and lignin free archival paper using archival inks and are individually signed on small white border.
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Advisor Group, the AIG-owned group of independent broker-dealers, said Wednesday that Erica McGinnis is the network's new president and CEO.
McGinnis, who most recently was the group's senior vice president and chief compliance officer, replaces interim Advisor Group head Peter Harbeck, who was tapped to lead the firm in early September after then-CEO and President Larry Roth left the firm to become CEO of Realty Capital Securities.
(RCS, the nontraded REIT broker-dealer and wholesaler arm of RCS Capital, which is led by Nicholas Schorsch, said Wednesday that it was buying Investors Capital, in independent broker-dealer.)
"I have enormous respect for Larry Roth," said McGinnis in an interview with ThinkAdvisor. "He opened doors for me and encouraged me to walk through them, so I owe him a lot."
McGinnis says that she will not try to "fill his shoes."
"We have different skills, and I would love to put some of my focus on the Advisor Group staff of 800 across the firm," she said. "The core of our business is about serving advisors and taking care of these employees, too, since they deliver the great services to our network."
The Advisor Group begins its national conference, ConnectED, in Las Vegas on Saturday. The event ends next Thursday, "and then we return our core management focus to the growth strategies of 2014," she says.
Advisor Group includes more than 6,000 independent reps, who are affiliated with FSC Securities Corp., Royal Alliance Associates, SagePoint Financial and the recently acquired Woodbury Financial.
"We are making the transition smooth for Woodbury," McGinnis said. "As other [broker-dealer networks] have streamlined their operations, we have very much done so as well with our back office. That's allowed us to really go into a growth mode."
In her new role, McGinnis, 42, reports to Stephen Maginn, president and CEO of AIG Financial Distributors. In her earlier role, McGinnis oversaw Advisor Group's supervisory activities and managed nearly 120 home office employees.
Career Transitions
McGinnis joined the network of IBDs in 2004 as director of branch exams and was based in Phoenix. She previously managed operations, training and compliance efforts for Charles Schwab (SCHW), Wells Fargo (WFC) and Ameriprise Financial (AMP).
"I am delighted that Erica will lead our growing broker-dealer network," said Jay S. Wintrob, president and CEO of AIG Life and Retirement, in a press release. "Her strong knowledge of our broker-dealers and the needs and wants of our independent advisors, coupled with her skill and understanding of the changing landscape for the independent financial advice industry, makes her the ideal leader for Advisor Group.
McGinnis says her husband, Matt, 46, decided independently to retire from corporate life with American Express on the same day that Roth moved on from the Advisor Group. "He's leaving that career for a better work-life balance and is delighted to do so," said the newly tapped CEO and president. The couple has two children under age 10 and often ended up traveling to New York at the same time. "It became a bit too much at times," McGinnis said.
When asked if she brings any special quality to her new role as the first woman to head the Advisor Group, McGinnis acknowledges that such a question is "natural to ask" but says her biggest focus is on breaking down barriers in the business and bringing in the next generation of advisors for the network.
"Baby Boomers are retiring at a higher rate than we are recruiting new advisors," she said. "It's crucial to solve that equation in coming years."
Check out Billionaire Schorsch to Buy Investors Capital, Hatterus Funds on ThinkAdvisor.


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It's that time of year again, with the National Association of Music Merchants show due to take place in California, from 23rd to 26th January. As always, NAMM showcases a plethora of new and exciting products, so we've decided to create a rolling story, which we will update as and when new gear is announced.
This is the place to be if you want a comprehensive round-up of all the new NAMM gear for 2014, so check below for information and videos on the most exciting releases. Alternatively, you can CLICK HERE to view a list of new products in our online shop.


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Pioneer Investments' chief investment officer, Kenneth Taubes, and Potomac Research Group's Greg Valliere agreed Tuesday that the sequester cuts due to take effect March 1 would have little effect on the U.S. economy and the markets.
Speaking on a conference call with advisors, one of a series hosted by Pioneer, Taubes first addressed the potential drag on the economy from the sequester's scheduled $85 billion cuts in discretionary spending, pointing out that even with those cuts "total spending will still be up $14 billion" in the current fiscal year, "so we're talking Washington math"—Instead of "actually, really cutting, they're spending less than anticipated."
"From a GDP perspective, it just has less of a positive impact," Taubes said, "it won't cut GDP but will slow down growth of GDP." Putting the $85 billion in cuts into a broader perspective, Taubes said that "on a $16 trillion economy, we're just talking about a reduction in the rate of growth; mandatory spending continues to grow at unsustainable levels. I don't view this as an economic disaster, and the markets aren't terribly concerned with it."
Going beyond the budget numbers, Taubes admitted "we've got a lethargic rate of growth," owing in large measure to government spending cuts on both the federal and local levels.
In the private arena, however, he said "we're in fourth year of recovery, and only last year did we see the interest-rate-sensitive sectors start to rebound, like autos."
He further pointed out that auto sales remained on a healthy track so far this month, despite "higher gasoline prices and FICA cut." Among those higher sales are pickup trucks, which Taubes laid to the recovering housing market.
"Housing continues to improve every recent month," he said. "I suspect we're beginning to be average or slightly below in inventory" of housing, while companies like Lowes and Home Depot are seeing better earnings "on the back of a recovering housing industry."
Returning to the possible drag on GDP from sequester cuts, Taubes said the improving employment situation may "well be ameliorated by higher employment and salaries."
As for other economic issues, Taubes projected that as corporate America was "feeling more confident," that mergers and acquisitions—some of which we've seen already this year, such as Heinz and American Airlines—would "have a big impact" on the economy.
As U.S. companies "are beginning to feel their oats," and since corporate managers are "compensated on equity returns," Taubes said that there would be "continued pressure to improve" those equity returns at their companies. Combined with "very low" financing rates and with credit markets being "more lenient" than is commonly perceived, he expects to see "an increase in M&A and companies will be big buyers of their own stock."
Looking overseas one day after the Italian elections, Taubes said, "every single poll says people in the [eurozone] peripheral countries want to remain within the euro."
What does he read from the Italian election? "Italians are saying we want the euro but we need to see some easing up on the fiscal tightness.
"The pain of implementation can't be fixed in one or two years," he said, noting that it took a good 10 years for Italy to get into its current state. "So if the message is received" by eurozone policymakers—and if "the Germans can stomach those changes"—the results of the Italian election "might be better for the markets over the next year or so."
Turning over the telephone to Valliere, a regular presence at many advisor conferences (such as at FSI's annual meeting in January), the political expert first agreed with Taubes' take on the sequester cuts' impact. "The economic impact will be modest," he said. "Not zero, but modest."
He then turned his ire against the news media.
"Over the next several days we'll be having an extraordinary media event—the scare stories" over the sequester, Valliere said, "have been extraordinary even by hyper Washington political standards."
The real problem, he said, is the media—"CNBC is bad for a lot of your clients"—before predicting that "somebody will blink within the next few months" and there will be a political fix for the sequester.
Speaking again to advisors on the call, Valliere (left) said that "a consensus has come out of the Christmas to New Year's debacle that 'That's it with taxes.'"
While he suggested that "maybe something will happen" with the Buffett rule to increase taxes on millionaires and on the carried interest issue, "I don't see major tax reform this year or next; nobody wants to take a whack at mortgage deductions." For advisors' HNW clients, the message is "no significant tax for some time to come."
Within Washington, he said, there is "recognition that a grand compromise along the lines of Simpson-Bowles won't happen; I don't see the leadership in place, either with Boehner or the White House, to do it."
Moreover, there isn't any market incentive to prod movement in DC on entitlement reform, taxes and spending cuts: "The markets are fat and happy."
Arguing that those markets "have been neutralized to a large extent by the Fed," Valliere went on to predict that Chairman Ben Bernanke would "step down in January of next year; he wants to return to Princeton to write and study," and that Janet Yellen would replace him. "This Fed will stay remarkably accommodative; maybe next year they start trimming back QE3."
He finished his remarks by listing two geopolitical concerns. One, which he called the "sleeper issue of the decade," is cybersecurity. He referenced the recent allegations that part of the Chinese military has been behind cyber attacks on U.S. companies and government agencies.
It's outrageous," he said, predicting that not only that "eventually there will be retaliation" but that "this will be a dominant issue for the next few years." His second big concern: Iran's nuclear ambitions. "The Israelis must be concerned that the Iranians may be able to produce a crude bomb, a dirty bomb," he said, "by this summer."


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Global EZ Finance in Chicago, IL
Global EZ Finance (Loan & Financing Services) is a financial advisory firm in Chicago, Illinois. This financial advisor is listed on Financial Advisory Firms under Financial Advisory Services - Loan & Financing Services.
You can reach us on phone number (773) 777-9720, fax number or email address . Our office is located on 5106 N Cicero Ave, Chicago, IL,
For full contact details to this financial advisor have a look at the the column to your right (or scroll if you're viewing this on a mobile device.)


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To get the most of your SINGER22.com shopping experience, we recommend upgrading your browser.
Starting in 2006, Rory began designing clothes out of her mother's kitchen. Her mom, a movie producer, thought, "How different can it be to produce a line of clothes than producing a movie?†Developing her first collection based off of one silk tunic called the "Rizzo†that came in bright colors and prints. This tunic was versatile and fit every body type with its simple silhouette.
Neighboring fashion stores saw the piece and instantly wanted part of the action. Word spread about Rory's design so quick that Rory and her mother could barely produce enough quantities fast enough. As a result, the Rory Beca fashion brand was born that summer in Los Angeles.
Rory Beca is one of the fastest growing collections across the United States, Europe and Asia. It should be noted that it's also one of the most in-demand collections. Rory Beca started as a small brand known for tops and dresses to a full collection in just five short years. Shoppers can buy Rory Beca clothing at over 250 high-end boutiques and department stores like Nordstrom, Saks Fifth Avenue and Neiman Marcus worldwide. The ever-growing fashion brand can also be found through online retailers.
Rory Edelman is what makes this brand special. Staying true to her relaxed and simple Californian vibes, her clothing remains versatile and sweet. Rory Beca has been featured in Lucky, InStyle, Elle, Nylon, People Style Watch and many more. Celebrities that have been pictured wearing Rory Beca include Blake Lively, Rachel Bilson, Ashley Tisdale, Kate Bosworth, Kim Kardashian, Kristen Bell, Reese Witherspoon and tons more.


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Advisors can't be drawn with a broad brush. Some like to be their own portfolio manager. Others believe they possess special insight into a given asset class or sector or vehicle. Still others—perhaps most—heed Clint Eastwood's famous dictum that "A man has to know his own limitations" and choose to focus on advisory duties other than managing money. They thus set an asset allocation for their clients based on risk tolerance and goals, and choose professional money managers to whom they hand off investment picking.
This is the ninth year that Investment Advisor is partnering with Prima Capital to assist advisors in their investment outsourcing duties by recognizing the Top Separately Managed Account Managers of the Year in multiple categories. For the first time in the SMA Managers of the Year franchise, one individual manager will be recognized as the best of the best during Envestnet's Advisor Summit in Chicago on May 2 and in the pages of Investment Advisor.
Prima may have had a slight name change—following Envestnet's 2012 acquisition it is now called Envestnet | Prima—but it hasn't changed its raison d'etre: to conduct due diligence on money managers that goes far beyond gathering and publishing performance figures.
"We've been at this for a while," explains Gib Watson, who founded Prima Capital in 1999 and is now vice chairman of Envestnet. Throughout that time, "our focus has been on bringing institutional grade research and the due diligence process into the high-net-worth market." Watson (left), who has sat on every SMA Managers of the Year awards committee, says Prima focuses not only on quantitative and performance analysis but also holdings-based analysis.
"We're seeking to understand the quality of the firm," including the people there, and determine whether there is "clarity in the manager's alpha thesis" that is repeatable and sustainable, Watson said. Put another way, Prima determines whether SMA managers have "developed discipline in their investment process to capture market inefficiencies, bring it into the portfolios" and retain it, using methodology "that allows those managers to capture future market inefficiencies as they become available."
While historical outperformance is "great," says Watson, "we also look at risk-adjusted returns and relative risk-adjusted returns," and how well these managers have performed under "different market cycles and in different market conditions." The process doesn't end when Prima recommends a manager. "Every quarter, we conduct a holdings-based performance attribution: how much [of that performance] is generated by asset allocation or sector allocation, how much by market timing and trading. What we expect is that the bulk of your alpha will come from your alpha thesis, not asset allocation or sector allocation, not market timing or trading expertise."
Born in the wirehouses and spurred by the creation of wrap programs, separately managed accounts allow for more customization of a client's portfolio, better tax planning and allowances for certain restrictions in a portfolio based on the client's preferences. For higher-net-worth clients, SMAs can be a much more efficient way to access top money managers at a lower-than-institutional-level price point.
"Traditional SMAs remain strong" in the marketplace, but UMA programs "are growing rapidly," Watson says. Quoting Cerulli data published last year, he says that SMA asset allocations have increasingly favored municipal bond managers at the expense of large-cap value domestic equity managers.
Cliff Stanton (left), CIO of Envestnet | Prima and another member of the selection committee, says bluntly that "any investment is a packaging of risks." With advisors as Prima's clients, Stanton's team focuses on "the risk exposure prevalent" in every manager's portfolio on which his team conducts due diligence. "We need to convey that to advisors, that this is what you're getting" with a specific manager. Providing information on "the risks driving returns" in those SMA managers' portfolios, Stanton says, gives advisors the tools to accurately determine "the risk profile of your [client's] entire portfolio."
Prima's 10 analysts work as a team, adding their individual expertise in evaluating managers, and using returns and holding data gathered by Prima's data services group. Stanton's analysts also hold onsite meetings, observing managers' day-to-day operations at their firms to determine "what are the roles and responsibilities; how are decisions made; what type of overrides exist; or [what kind of] risk management tools are in use to override the decision makers."
So on a macro level, what trends does Stanton see among those money managers? "What's becoming more common is what you can characterize as certain factor bets—momentum, high liquidity, high leverage," he reports. In 2012, he says there were "meaningful differences" in performance between "higher beta, higher volatility stocks" and stocks with lower beta and volatility. High-quality stocks were up 15% in 2012, he says, while lower quality stocks were up 21%. Acknowledging that some advisors "always want a high-quality stock picker while others might want lower quality managers, by having each kind of manager" in a client's portfolio, "you're going to ameliorate risk."
Stanton has seen "a shift in asset flows to equity products again," though in 2012 there were outflows from equity managed products, mutual funds and SMAs. While Stanton is concerned about those outflows in a year when the S&P 500 was up 16%, he suggests it's "understandable from a behavioral finance perspective." As for fixed income—in the SMA world most fixed income money is in munis—he admits that while "return expectations for fixed income are greatly muted," within SMAs "more customization strategies are possible even in fixed income."


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View all TeSys D
TeSys D reversing contactor - 3P(3 NO) - AC-3 - <= 440 V 18 A - 120 V AC coilShow more characteristics
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Main rangeTeSys product nameTeSys D product or component typeReversing contactor device short nameLC2D contactor applicationMotor controlResistive load utilisation categoryAC-3AC-1 device presentationPreassembled with reversing power busbar poles description3P power pole contact composition3 NO [Ue] rated operational voltagePower circuit: <= 690 V AC 25...400 HzPower circuit: <= 300 V DC [Ie] rated operational current25 A (at <60 °C) at <= 440 V AC AC-1 for power circuit18 A (at <60 °C) at <= 440 V AC AC-3 for power circuit motor power kW4 kW at 220...230 V AC 50 Hz7.5 kW at 380...400 V AC 50 Hz9 kW at 415...440 V AC 50 Hz10 kW at 500 V AC 50 Hz10 kW at 660...690 V AC 50 Hz motor power HP (UL / CSA)1 hp at 115 V AC 60 Hz for 1 phase motors3 hp at 230/240 V AC 60 Hz for 1 phase motors5 hp at 200/208 V AC 60 Hz for 3 phases motors5 hp at 230/240 V AC 60 Hz for 3 phases motors10 hp at 460/480 V AC 60 Hz for 3 phases motors15 hp at 575/600 V AC 60 Hz for 3 phases motors control circuit typeAC at 50/60 Hz [Uc] control circuit voltage120 V AC 50/60 Hz auxiliary contact composition1 NO + 1 NC [Uimp] rated impulse withstand voltage6 kV conforming to IEC 60947 overvoltage categoryIII [Ith] conventional free air thermal current10 A (at 60 °C) for signalling circuit25 A (at 60 °C) for power circuit Irms rated making capacity140 A AC for signalling circuit conforming to IEC 60947-5-1250 A DC for signalling circuit conforming to IEC 60947-5-1300 A at 440 V for power circuit conforming to IEC 60947 rated breaking capacity300 A at 440 V for power circuit conforming to IEC 60947 [Icw] rated short-time withstand current40 A 40 °C - 10 min for power circuit84 A 40 °C - 1 min for power circuit145 A 40 °C - 10 s for power circuit240 A 40 °C - 1 s for power circuit100 A - 1 s for signalling circuit120 A - 500 ms for signalling circuit140 A - 100 ms for signalling circuit associated fuse rating10 A gG for signalling circuit conforming to IEC 60947-5-150 A gG at <= 690 V coordination type 1 for power circuit35 A gG at <= 690 V coordination type 2 for power circuit average impedance2.5 mOhm - Ith 25 A 50 Hz for power circuit [Ui] rated insulation voltagePower circuit: 690 V conforming to IEC 60947-4-1Power circuit: 600 V CSA certifiedPower circuit: 600 V UL certifiedSignalling circuit: 690 V conforming to IEC 60947-1Signalling circuit: 600 V CSA certifiedSignalling circuit: 600 V UL certified electrical durability1.65 Mcycles 18 A AC-3 at Ue <= 440 V1 Mcycles 32 A AC-1 at Ue <= 440 V power dissipation per pole0.8 W AC-32.5 W AC-1 Front coverWithout interlocking typeMechanical mounting supportPlateRail standardsCSA C22.2 No 14EN 60947-4-1EN 60947-5-1IEC 60947-4-1IEC 60947-5-1UL 508 product certificationsBVGLGOSTDNVCCCLROS (Lloyds register of shipping)RINACSAUL connections - terminalsControl circuit: spring terminals 1 cable(s) 2.5 mm²flexible without cable endControl circuit: spring terminals 2 cable(s) 2.5 mm²flexible without cable endPower circuit: spring terminals 1 cable(s) 4 mm²flexible without cable endPower circuit: spring terminals 2 cable(s) 4 mm²flexible without cable end operating time12...22 ms closing4...19 ms opening safety reliability levelB10d = 1369863 cycles contactor with nominal load conforming to EN/ISO 13849-1B10d = 20000000 cycles contactor with mechanical load conforming to EN/ISO 13849-1 mechanical durability15 Mcycles maximum operating rate3600 cyc/h 60 °C Complementary coil technologyWithout built-in suppressor module control circuit voltage limits0.3...0.6 Uc (-40…70 °C):drop-out AC 50/60 Hz0.8...1.1 Uc (-40…60 °C):operational AC 50 Hz0.85...1.1 Uc (-40…60 °C):operational AC 60 Hz1...1.1 Uc (60…70 °C):operational AC 50/60 Hz inrush power in VA70 VA 60 Hz cos phi 0.75 (at 20 °C)70 VA 50 Hz cos phi 0.75 (at 20 °C) hold-in power consumption in VA7.5 VA 60 Hz cos phi 0.3 (at 20 °C)7 VA 50 Hz cos phi 0.3 (at 20 °C) heat dissipation2…3 W at 50/60 Hz auxiliary contacts typetype mechanically linked 1 NO + 1 NC conforming to IEC 60947-5-1 type mirror contact 1 NC conforming to IEC 60947-4-1 signalling circuit frequency25...400 Hz minimum switching current5 mA for signalling circuit minimum switching voltage17 V for signalling circuit non-overlap time1.5 ms on de-energisation between NC and NO contact1.5 ms on energisation between NC and NO contact insulation resistance> 10 MOhm for signalling circuit contact compatibilityM2 compatibility codeLC2D Environment IP degree of protectionIP20 front face conforming to IEC 60529 protective treatmentTH conforming to IEC 60068-2-30 pollution degree3 ambient air temperature for operation-40…60 °C60…70 °C with derating ambient air temperature for storage-60…80 °C operating altitude0...3000 m fire resistance850 °C conforming to IEC 60695-2-1 flame retardanceV1 conforming to UL 94 mechanical robustnessVibrations contactor open: 2 Gn, 5...300 HzVibrations contactor closed: 4 Gn, 5...300 HzShocks contactor open: 10 Gn for 11 msShocks contactor closed: 15 Gn for 11 ms height99 mm width90 mm depth90 mm net weight0.707 kg Packing Units Package 1 Weight0.730 kg Package 1 Height1.190 dm Package 1 width1.140 dm Package 1 Length1.100 dm Contractual warranty Warranty18 months
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Instruction sheetFormatSizeDateAdd to My Documents2 x LC1D..3, LC2D..3, LAD9V.. Contactors and reversing contactors 9 to 32 A with spring terminals and accessories (Version A06)prp.document.label.format pdfSize 987.1 KBDate 6/1/16
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Courtesy of the cocktail-creation wizards at Patrón, here are some amazing new drink recipes that will make your Super Bowl party the talk of the town no matter which team you're pulling for!
Lime of Scrimmage
2 oz Patrón Silver Tequila
2 oz Fresh Lime-Lemon Sour
1 oz Cranberry sauce
1 oz Cranberry Juice
.5 oz Grenadine
Method: Shake all ingredients with ice and strain into a rock glass.
Garnish: Lime slices/ Dry cranberries
The Blitz
2 oz Ultimat Vodka
4 oz Fresh Lemonade
2 oz Fresh Orange juice
Splash of soda
Method: Build in a tall glass filled with ice
Garnish: With orange & lemon
End Zone Rita
2 oz Patrón Silver
1 oz Monin Watermelon Syrup
1 oz Fresh Sweet & Sour
1 oz Fresh Lime Juice
6 thin sliced cucumber slices
Method: Shake all ingredients with ice, pour over fresh ice in rocks glass.
Garnish: Watermelon Slice
Touchdown Paloma
1.5 oz Patrón Silver Tequila
1 oz Elderflower Liqueur
3 oz Pink grapefruit juice
2 oz Club soda
Method: Pour ingredients in a Collins glass filled with ice, then stir well and serve.
Garnish: Grapefruit
X's and O's
1 oz Patrón XO Cafe
1 oz Patrón XO Cafe Dark Cocoa
1 oz Monin Cinnamon syrup
4 oz Almond Milk
Method: Shake and strain into a glass with crush ice
Garnish: Whipped cream on top & Cinnamon
Hot Route
1 oz Patrón XO Cafe
1 oz Patrón XO Cafe Dark Cocoa
5 oz Fresh brewed coffee
1 oz Caramel Syrup
Method: Pour all ingredients in a heat resistant glass mug
Garnish: Whipped cream


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Antiquity Coin & Company
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Company Profile: It is critical for attorneys to handle credit card transactions between their trust and operating accounts correctly. With LawPay, attorneys can accept credit cards with confidence.
LawPay's unique processing program correctly separates earned and unearned fees in compliance with ABA Rules of Professional Conduct and most state bar IOLTA guidelines. Why trust your payments to anyone else?


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Wine & Beer
Our wine gift baskets are perfect for New Year's gifts, Holiday gifts, Christmas gifts, or any occasion throughout the year including New Home Housewarming gifts, Graduation gifts, Birthday gifts, Mother's Day gifts, Father's Day gifts and more. Our Wine gift baskets include high quality, well known gourmet food and upscale wines from all over the world. We are proud to be one of the only gift basket companies who can ship wine and champagne to over 40 states.


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Events & Exhibitions on 01/25/2018
- Fri, 07/28/2017 - 9:00am to Wed, 02/07/2018 - 5:00pm
This exhibition features the winners of the annual Art of Science competition organized by UCSB's Schuller Lab and Center for Science and Engineering Partnerships at the California NanoSystems Institute. The UCSB Library is proud to showcase these eye...
- Wed, 09/20/2017 - 8:00am to Thu, 05/31/2018 - 5:00pm
This new work by Rose Briccetti was created as a companion to the UCSB Library exhibition "Botanical Illustrations and Scientific Discovery-- Joseph Banks and the Exploration of the South...
- Mon, 09/25/2017 - 8:00am to Thu, 05/31/2018 - 5:00pm
The UCSB Library presents Botanical Illustrations and Scientific Discovery—Joseph Banks and the Exploration of the South Pacific, 1768–1771, an examination of the impact of 18th century botanical illustrations.
Hours for Special...
- Wed, 09/27/2017 - 8:00am to Sat, 09/15/2018 - 5:00pm
Thanks in part to Hollywood's insatiable desire for superhero blockbusters, the nearly 100-year old comic book industry in the United States has seen a major resurgence in sales and public interest since 2010. Despite the rising mainstream attention, the comic book industry remains largely...
- Thu, 01/18/2018 - 8:00am to Thu, 11/15/2018 - 5:00pm
Hours for Art & Architecture differ from regular UCSB Library hours. Please check before visiting.
A photographic study of the James Bay Cree taken in four Cree villages in northern Quebec in 1973 at a time when the Cree were starting their negotiations with the...


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These honey-glazed bars are crumbly, richly sweet and incredibly nutty. The combination — thanks in particular to the floral notes added by freshly grated nutmeg — is a bit like baklava, only transformed into a more substantial bar-style cookie. If you want to go crazy, toss some walnuts and pecans in there, too.
Start to finish: 1 hour (plus cooling)
Makes 24 bars
For the crust:
1/2 cup (1 stick) unsalted butter, room temperature
1/2 cup packed brown sugar
1 teaspoon vanilla extract
1 egg
1 1/2 cups all-purpose flour
For the topping:
1 cup pine nuts, toasted
1 cup chopped hazelnuts, toasted
1 cup chopped pistachios, toasted
1 cup packed brown sugar
1/2 cup (1 stick) unsalted butter, room temperature
1/4 teaspoon salt
1 teaspoon freshly grated nutmeg
1/2 cup honey
1 teaspoon rosewater (optional)
Heat the oven to 350 F. Coat a 9-by-13-inch baking pan with cooking spray, then line it with parchment paper.
To make the crust, in a medium bowl, use an electric mixer to beat together the butter, brown sugar and vanilla until creamy. Add the egg and beat until smooth and well combined. Stir in the flour. Press the dough into the bottom of the prepared baking pan in an even layer. Bake for 10 to 12 minutes, or until golden brown.
Meanwhile, to prepare the topping, in a medium bowl mix together the pine nuts, hazelnuts, pistachios, brown sugar, butter, salt and nutmeg.
When the crust is baked, spread the nut mixture evenly over the top. Return the pan to the oven and bake for another 13 to 15 minutes, or until the topping is browned and set up.
While the bars bake, in a small bowl stir together the honey and rosewater, if using. As soon as the bars come out of the oven, drizzle the honey mixture evenly over the top. Set aside and allow to cool completely. Once the bars are cool, run a sharp knife around the edge, then flip out onto a cutting board. Remove the parchment paper and cut into 24 bars. Store in an airtight container at room temperature for up to a week.
Nutrition information per bar: 270 calories; 150 calories from fat (56 per cent of total calories); 17 g fat (6 g saturated; 0 g trans fats); 30 mg cholesterol; 28 g carbohydrate; 1 g fibre; 20 g sugar; 4 g protein; 30 mg sodium.
By Alison Ladman


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Column: Baseball still smells of drug use
There's something different about spring training this year. It came early because of the World Baseball Classic, and Tim Lincecum came without his long locks.
Much, though, remains the same.
The sweet smell of freshly mowed grass still awakens the dreams and hopes of baseball fans everywhere. All teams are World Series contenders, and all players are going to have the season of their lives.
And the stench of drugs continues to permeate the game.
The former MVP of the National League is under suspicion again, his name linked to a Florida anti-aging clinic. Ryan Braun hit more home runs than anyone in the National League last year after a 50-game suspension for testing positive to elevated testosterone was overturned. He said he could explain it and had nothing to hide.
Then there's Alex Rodriguez, who admitted to using steroids during his biggest years but claims he is clean now. An investigation by the Miami New Times suggests differently, with A-Rod implicated in documents allegedly showing he received performance-enhancing substances from the now-closed Biogenesis of America LLC clinic.
Meanwhile, two players suspended for testing positive last year to PEDs arrived at spring training with new multimillion-dollar contracts given to them by owners who have no interest in policing the sport.
And, just for old time's sake, lawyers for Barry Bonds were in court Wednesday trying to get his steroids-related conviction overturned.
Let commissioner Bud Selig brag about improved drug testing all he wants. The fact remains that a decade after players were first tested for steroids in Major League Baseball - and more than two decades after steroids were added to baseball's banned list - we still don't know if what we're seeing on the field is to be believed.
The drugs are different, that's for sure. As testing has improved, players have for the most part moved on to better and less detectable performance enhancers like testosterone and human growth hormone. They're still getting caught occasionally but, as usual, the users always seem to be one step ahead of the testers.
Those who do get busted probably figure the risk is worth the reward. Consider the case of Melky Cabrera, who was having such a big season last year for the San Francisco Giants that he might have won the batting title had he not tested positive for testosterone just when the Giants could have used him the most.
Cabrera got the rest of the summer off, and had to watch TV to see the Giants win the World Series. No matter, because the Toronto Blue Jays thought so much of his new hitting prowess that they gave him a two-year, $16 million contract - by far the biggest deal of his career.
Bartolo Colon also got caught for testosterone and wasn't around when the Oakland A's needed him in the playoffs. The A's punished him by giving him a million-dollar raise - to $3 million - for this season, plus a chance to earn as much as $2 million more in incentives.
Baseball's announcement last month that it would begin in-season tests for human growth hormone and increase efforts to detect testosterone was, surely, another step forward in catching cheats, even if it didn't go far enough. Selig called it a ''proud and great day for baseball'' but the reality is there are still not enough tests, and certainly not enough targeted toward suspected cheaters.
But what is the incentive not to cheat? There is none, unless not getting in the Hall of Fame when your career is over counts.
Do the Blue Jays really believe Cabrera is a top-of-the-line slugger when he's not on something? Maybe. Or maybe they're just betting $16 million that he won't be caught using something again.
As for Colon and the A's, it's possible the team just believes he's suddenly a better pitcher at the age of 39. Happens, I guess, but remember this is the same team that signed Manny Ramirez to a contract after he was suspended not once, but twice, for failing drug tests.
Meanwhile, the Yankees keep defending A-Rod even while baseball investigators try to figure out what he did or didn't get from the lab in Florida. Though they surely regret giving Rodriguez a contract that still has $114 million left on it, there's always the chance he could somehow find the fountain of youth, too.
And just the other day the manager of the Milwaukee Brewers was talking about how tough it was that Braun was linked to PEDs once again. What Ron Roenicke didn't mention was that Braun's suspension for elevated testosterone levels was overturned only because of a technicality and not because he didn't actually test positive.
Yes, improved testing will help ensure a more level playing field in baseball. Someday there might even be a slate of players we can induct in the Hall of Fame without wondering how they did it.
But until owners stop throwing money at players they know or suspect of being juiced, the game will always have a lousy smell.
Tim Dahlberg is a national sports columnist for The Associated Press. Write to him at tdahlberg(at)ap.org or http://twitter.com/timdahlberg


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Barclays said it recruited 16 advisors from Merrill Lynch (BAC) and eight other firms, including Goldman Sachs (GS) and U.S. Trust with a total of $15 billion in assets under management and $35 million in trailing 12-month fees and commissions.
Morgan Stanley (MS) grabbed one advisor from Wells Fargo and three reps from JPMorgan (JPM) with about $434 million in assets, and Raymond James (RJF) has added two advisors from Merrill Lynch with about $124 million in assets and $1 million fees and commissions.
Morgan Stanley Wealth Management said last week that Calvin Mason joined the wirehouse in Pueblo, Colo.., from Wells Fargo (WFC). He has had yearly production of $1.44 million and prior assets of $144 million.
Advisors Steven Sheresky, Jeffrey Sheresky and Jeffrey Samsen moved to Morgan Stanley in Midtown Manhattan from JPMorgan Chase. The team has prior assets of $290 million.
Barclays Grabs 16 Advisors
Barclays announced last week that it has hired 16 advisors, or investment representatives for its Wealth and Investment Management division, in seven of its offices across the United States.
"We are pleased to welcome these talented individuals to Barclays," said Mitch Cox, head of wealth management for Barclays, in a press release. "These hires underscore our commitment to attracting top-performing professionals who seek Barclays' unique, in-depth approach, of guiding clients to customized solutions that extend far beyond their investment portfolio."
The newly recruited reps by location are:
- In New York, Ramon Hache, Stephen Brazell and Joseph Chung and Steven Guggenheimer moved to Barclays from Deutshe Bank, while Steven Guggenheimer and George Zaki came over from Bank of America-Merrill Lynch. Also coming to Barclays in New York are Jonathan Mann, previously with AllianceBernstein.
- In Houston, Don Childress came to Barclays from Goldman Sachs, along with Jeff Collins and Neil Stone.
- In Beverly Hills, Calif., Watt Webb was recruited by Barclays from Bank of New York Mellon and Warren Cohn from Bank of America-U.S. Trust. In addition, Adams Morgens joined the Barclays' Los Angeles office from UnionBanc.
- In Boston, Barry Pederson came over to Barclays from Morgan Keegan. Pederson joined the brokerage business in 1993 after 12 seasons with the National Hockey League.
- In Chicago, Adam Strauss moved to Barclays from Goldman Sachs.
- In Miami, Ileana Platt and Rafael Urquidi joined the wealth group from Credit Suisse.
Also, Barclays said last week that it opened an office in Beverly Hills, as part of the organization's continued efforts in growing its Wealth and Investment Management business in the Americas. It has four advisors in that location.
"We remain focused on strengthening our wealth management offering in the Americas," said Cox, in a press release. "Growth in Southern California continues to be a priority for Barclays and underscores our commitment to delivering highly customized investment solutions to serve the complex needs of ultrahigh-net-worth clients in the region." Raymond James' Recruits
Raymond James said Thursday that Jeff Faucette and Tony Williams of Huntington, W. Va., left Merrill Lynch to join Raymond James & Associates, the firm's traditional, employee-advisor channel.
"We are pleased that this team of seasoned advisors chose to join Raymond James," said Rusty Clark, local complex manager for Raymond James, in a press release. "Their success is a result of experience, talent and a strong sense of doing what is best for their clients. We look forward to supporting them as they grow their business."
The team, also known as the Williams Faucette Advisory Group of Raymond James, has managed more than $124 million in client assets and had annual fees and commissions of close to $1 million in the recent year or so of business.
"We were looking for a firm that reflects the values that are most important to us and our clients," said Faucette, vice president, investments, in a statement. "We were drawn to Raymond James' conservative approach and its ability to persevere through the economic challenges over the past years, all while achieving 100 consecutive quarters of profitability."


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While the vast majority of financial advisors believe they should educate clients about how Social Security will factor into their retirement finances, many are uncertain about how they should go about doing this — and they don't realize that such knowledge can be an entry point for new lead generation.
So says PlanMyBenefit.com President and co-founder Seth Stewart, who is in the business of training a nationwide network of financial advisors to become Social Security counselors. The advisor program, available through PlanMyBenefit's sister site pmbplanner.com, offers five 30-minute online modules, approved for CE credits in some states, along with a "maximization" calculator and FINRA-reviewed marketing materials. A total of 123 FA firms and independents in 40 states currently are members, according to Stewart.
"Most Americans spend more time planning a vacation than they do in planning one of the largest financial decisions of their lives: when to elect Social Security," Stewart said Tuesday in New York during an interview with ThinkAdvisor. "We spend a lot of time educating advisors. It's a disservice to your clients not to coordinate benefits."
Stewart (left) pointed to a November 2011 Financial Literacy Center working paper, prepared for the Social Security Administration, which finds that nearly nine out of 10 professional financial advisors believe that it is their role to educate clients about Social Security, even though only 22% describe themselves as very knowledgeable about the topic.
PMB members have access to the Jeffersonville, Ind.-based firm's prospect origination program, offered on a "pay as you go" system as a supplement to the workshops or separately.
New leads are generated on a daily basis, and some potential clients have already completed a first appointment fact finder. "Unlike other lead programs, our prospects are requesting to meet with an advisor that understands Social Security," according to PMB's marketing materials.
The end result for clients is thousands of dollars in additional Social Security payments, said Stewart, who admits to waking up in the middle of the night thinking about ideas for coordinating retirement income planning strategies that include Social Security, 401(k)s, IRAs, pensions and personal savings.
"I've spent hours and hours on the ssa.gov site," Stewart said. "By not coordinating Social Security benefits, advisors could be costing their clients more than $100,000 over a lifetime in some cases."
Currently, he added, he is urging advisors to look into Roth conversions over the course of three to five years to maximize clients' tax brackets. "Unless you think taxes will be reduced in the future, it's a no-brainer to convert."
Read law professors William Byrnes and Robert Bloink on Time Is Running Out for Social Security's File and Suspend—Cash In Now at ThinkAdvisor.


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Inspiration: April Edition
For 4 additional entries:
3. Subscribe to Cherish Everyday on Youtube. Leave a separate comment on this post letting me know that you've completed this.
Many of the other Creative Team Members are also hosting this same giveaway today. Make sure you visit Becky's blog, here, to find your way to other chances to win. Good luck!


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FINRA and the SEC recently acted on issues as diverse as the fleecing of 31 NFL players, including Terrell Owens, via high-risk casino securities, a registered representative who managed to conduct a Ponzi scheme under his firm's nose, short sales that were not in compliance, and a China-based firm charged with reporting and disclosure failures.
Casino Deal Costs NFL Players; Broker Barre
Broker Jeffrey Rubin of Lighthouse Point, Fla., has been barred by FINRA from the securities industry for making unsuitable recommendations to his client, an unnamed NFL player, who ended up losing about $3 million. Thirty other NFL players joined in the scheme, believing that the illiquid, high-risk securities sold in connection with a casino that ended up going bankrupt would pay off. They did for Rubin, for a while, but not for anyone else.
Rubin's company, Pro Sports Financial, provided financial-related "concierge" services to professional athletes for an annual fee. Between March 2006 and June 2008, while he was a registered broker at Lincoln Financial Advisors Corp. and Alterna Capital Corp., Rubin, 38, recommended that one of his NFL clients invest a total of $3.5 million, the majority of his liquid net worth, in four high-risk securities. Rubin recommended and facilitated the largest investment, $2 million, in the Alabama casino project without the knowledge or approval of his employer member firm.
Rubin referred other investors to the casino project while employed by Alterna Capital and International Assets Advisory, ]also without the firms' knowledge or approval. From approximately January 2008 through March 2011, 30 additional clients of Rubin's concierge firm, all NFL players, invested approximately $40 million in the casino project. Rubin received a 4% ownership stake and $500,000 from the project promoter for these referrals.
According to Yahoo Sports in a September report, some former and current players who lost money in Rubin's scheme include Owens, Plaxico Burress, Clinton Portis, Fred Taylor, Jevon Kearse, Kyle Orton, Santonio Holmes and Santana Moss.
Owens is suing Rubin over his losses connected to the casino, and Buffalo Bills wide receiver Roscoe Parrish won a judgment against Rubin last year over an incorporated entity he said he did not authorize, as well as for failure to repay an investment in the casino. Other football players have sued a law firm over the casino, and an investigation is under way into the relationship between Rubin and NFL agent Drew Rosenhaus. The National Football League Players Association is reviewing Rosenhaus' role in facilitating Rubin's interaction with the players; if Rosenhaus is found to have violated NFLPA's agent regulations, he could find himself in trouble as well.
Rep's Ponzi Scheme Gets Lincoln Financial a FINRA Fine
FINRA fined and censured Lincoln Financial for failing to prevent a Ponzi scheme operated by one of its registered representatives. The firm has already paid $5.63 million in restitution to investors, and now will pay an additional $175,000, although it neither admits nor denies the findings of supervisory failure that allowed the representative to set up and run the scheme.
The representative, already subject to an open regulatory body investigation, was accepted by the firm and allowed to operate a branch office. The office of supervisory jurisdiction manager was not informed of the inquiry, and the advertising review department, despite having qualms about proposed advertising for the representative's approved outside business, also never raised the issue with the OSJ. There were other notable conflicts of interest as well.
The representative's outside email was never checked, and other red flags were ignored, which allowed the representative to fraudulently solicit and sell investments in a purported bond fund.
Deutsche Bank Securities Censured, Fined by FINRA
Deutsche Bank Securities was censured and fined $175,000 by FINRA and ordered to pay restitution of $10,314.44, plus interest, to clients, on findings that it sold corporate bonds to those clients without setting a fair price for those bonds. The firm has neither admitted nor denied the findings, but has accepted the sanctions.
In addition, FINRA also found that sale reports included incorrect short interest positions, failures to designate price differences when sales were based on prior times than the current market, incorrect execution times and failures to designate transactions that used weighted prices, among other deficiencies. The firm also failed to repair many rejected submissions to OATS and failed to highlight those that were repaired when they were resubmitted.
FINRA Fines, Censures KBC Securities on Reporting Failures, Short Sales
KBC Securities USA, formerly known as KBC Financial Products USA, faced a fine of $157,500 and FINRA censure over short sales and failures in reporting. The firm neither admitted nor denied FINRA findings that it failed to transmit last sale reports of transactions in consolidated quotation system (CQS) securities and NMS securities to the FNTRF within 90 seconds after execution, and that it failed to mark some of those reports as late. The firm was also cited on failures involving TRACE-eligible securities and supervisory failures, as well as for executing short sales on more than 450,000 shares for its proprietary account in the securities of financial firms covered by the SEC 2008 Emergency Order, and the firm was not otherwise entitled to the market maker exemption to the Emergency Order. The firm also failed to mark short sales as short and accepted short-order sales in equities from another person, or for its own account, without borrowing the security, making a bona fide arrangement to borrow it, or having reasonable grounds to believe that it could be borrowed for delivery on the date due.
China-Based Company, CFO to Pay More Than $1 Million in Combined Settlement
Keyuan Petrochemicals and its former CFO, South Carolina-based Aichun Li, have agreed to pay more than $1 million combined to settle SEC charges of accounting and disclosure violations. Keyuan, which was formed through a reverse merger in April 2010, was charged with systematically withholding information from shareholders on numerous related party transactions between May 2010 and January 2011, and also on a secret off-balance sheet cash account used for illicit purposes.
The unreported transactions, which involved Keyuan's CEO, controlling shareholders of the company, and entities that were controlled by management or its family members, spanned everything from sales of products and purchases of raw materials to loan guarantees and short-term financing.
The secret account paid for cash bonuses to senior officers, travel and entertainment expenses and an apartment rental for the CEO, and cash and noncash gifts to Chinese government officials; it also meant that the company misstated in its financial statements cash, receivables, construction-in-progress, interest income, other income, and general and administrative expenses.
Li's part in all this was to sign off on the company's registration statements and quarterly reports, despite all the unreported goings-on. She simply ignored the red flags and information about the transactions although she was hired to ensure the company's compliance with U.S. accounting and financial reporting regulations.
In addition to accepting other penalties, Keyuan agreed to pay $1 million and Li to pay $25,000 in settling the SEC's charges; the settlement must be approved by the court. Neither one admits nor denies the charges, and the investigation is continuing.


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Reciprocal play therapy is a comprehensive family intervention designed to help children with autism discover the pleasures of human contact and communication.
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BOSTON -- The Senate passed a comprehensive anti-gun violence bill on Thursday that strengthens background checks and seeks to improve school safety, but also dropped a key provision from House legislation that would have given police chiefs more discretion to deny rifle permits.
The late change to the bill appeared to be enough to secure the support of the local chapter of the National Rifle Association, but gun control advocates blasted senators for weakening the legislation in the face of mounting pressure from gun owners.
Sen. James Timilty, a Walpole Democrat who carried the bill in the Senate, said he supported removing the provision that would allow police chiefs discretion in issuing firearms licenses for rifles. The bill still allows chiefs discretion in issuing handgun licenses."This was something that I felt very strongly about," Timilty told reporters, stating that the amended bill would "reflect the constitution." Asked if he expected to receive the support of the Gun Owners Action League after the change, Timilty said, "I would imagine that many of their members would be happy if they calmly view the totality of what we did."
"There was no pressure from angry gun owners," Timilty added.
Under current law, local licensing authorities must give people who pass a background check a firearms identification card. Police chiefs, however, have the discretion to issue a license to carry a handgun. The House bill, and the bill that emerged earlier this week from Senate Ways and Means, proposed to extend the same discretion for handguns to firearm identification cards for rifles and shotguns.
The Senate voted 28-10 for a Sen. Michael Moore amendment to remove that section of the bill, while retaining the ability of police chiefs to deny FID cards if the applicant fits into a category on the prohibited persons list, such as someone convicted of a felony. The overall bill cleared the Senate on a voice vote, and is now likely destined for a conference committee with the House and just 14 days left in the formal session.
The bill also requires suicide prevention training for school personnel and improved communication between schools and law enforcement in the event of an emergency. Every school district would be required to have at least one school resource officer, except vocational school which can share with their participating municipalities.
The Massachusetts Coalition to Prevent Gun Violence said that while it supported the inclusion of background checks for private gun sales and the ability to trace guns used in crimes it could not support the amended Senate bill.
"The Mass. Coalition to Prevent Gun Violence is disappointed by the Senate's actions today, which significantly weaken the gun violence prevention legislation passed by the House. Removing discretion from police chiefs makes it more difficult to keep rifles and handguns out of the hands of those who pose a risk of suicide or domestic violence, in addition to the public at large," the coalition said in a statement.
Jim Wallace, executive director of the Gun Owners Action League, said it could be the first time in state history that the organization has supported a gun control bill of this magnitude in Massachusetts.
"For the most part, we said today if we could change this one paragraph, we're going to make history. Today we made history," Wallace said. "There's a couple small amendments I want to look at, but I think we're there."
GOAL took a "neutral" position on the House gun bill, but hardened its stance as the bill moved into the Senate and vowed to fight to remove the "suitability determination" powers for police chiefs from the legislation. Wallace said GOAL had not been overruled by the NRA, which had a representative at the State House Thursday.
Asked about the lobbying effort over the past week in the Senate, Wallace said, "I never like to use the word pressure because it means I'm bullying somebody. I think our opinion certainly was there. I think our members made the calls and the emails that they needed to make. And it was an education process too. It's not just a matter of slamming your fist on the table and demanding somebody vote some way."
Sen. Anthony Petruccelli, an East Boston Democrat who voted against the Moore amendment because Boston Police Commissioner William Evans thought discretion was an important piece of the bill, said he would have support the bill had it been roll called.
"I think that Sen. Timilty did a real good job coming up with a comprehensive reform bill that will make it safer for kids but not infringe upon the second amendment rights of lawful gun owners in Massachusetts. I think it's a great balance," Petruccelli said.
Sen. Cynthia Creem, a Newton Democrat, called the Moore amendment "a huge step backward" and said she didn't know how she would vote on the bill if the suitability standard section isn't added back by the conference committee.
"I understand the NRA weighed in and that was some influence to people," Creem said. "Frankly, it wasn't until today that I had any inkling that that amendment would have any traction. Obviously I was not lobbied by the NRA."
Sen. Stephen Brewer, of Barre, said he would not have supported any legislation that he thought would unfairly infringe on the rights of his constituents to legally carry weapons for recreation, and suggested the Moore amendment was the opening he was looking for to allow him to support the bill and improve safety for children.
Senate Minority Leader Bruce Tarr said the bill would make licensing more sensible and sends mental health information to the national background check database. Tarr also noted a provision that requires private gun sales to take place at either a licensed dealer or using a "web portal.""I think in the past, these kinds of bills have been very narrowly focused, and have sought to achieve one objective or another and have been somewhat divisive. I think in this case, we have a comprehensive bill that addresses some subjects that have been very elusive over the years, and some that needed to be addressed, like mental health issues, like how do we respond effectively to gun issues in schools," Tarr said. "I think rather than being a divisive exercise, this was a unifying exercise."Tarr, who often calls for roll calls on items up for a vote in the Senate, said he "absolutely" would have supported the final version of the bill if there had been a roll call, and he said members were already recorded on one of the "divisive" issues, so a roll call on the final bill could arguably be seen as "perfunctory.""I think once that issue was addressed, there wasn't a need to take a vote on something I think the Senate as a whole felt very strongly about," Tarr said.
National Rifle Association lobbyist John Hohenwarter the Senate's changes were "positive for gun owners," and said the bill is "in much better shape than it was when it came over from the House." Hohenwarter said the "web portal" is an "interesting concept" and said there are "unanswered questions" about how the federal background database compliance would work.
State Senate passes gun law, curbs power of police chiefs
BOSTON -- The Senate passed a comprehensive anti-gun violence bill on Thursday that strengthens background checks and seeks to improve school safety, but also dropped a key provision from House legislation that would have given police chiefs more discretion to deny rifle permits.


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© Robert Yoder – Fotolia.com
|Welcome to our sermons page.
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|Battling for the truth
|2 Timothy 1:8-18 (Part of the 2 Timothy series).
|Preached by Rev. Kevin Fear on November 4, 2018 (Sunday Morning - Emmanuel).


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Personal, strategic motivations for Obama in Asia19/11/2012 0
BANGKOK (AP) — For President Obama, expanding U.S. influence in Asia is more than just countering China or opening up new markets to American businesses. It's also about building his legacy.
Fresh off re-election, Obama will make a significant investment in that effort during a quick run through Southeast Asia that begins Sunday. In addition to stops in Thailand and Cambodia, the president will make a historic visit to Myanmar, where his administration has led efforts to ease the once pariah nation out of international isolation.
The trip marks Obama's fourth visit to Asia in as many years. He kicks off his schedule in Bangkok. With a second term now guaranteed, aides say Obama will be a regular visitor to the region over the next four years as well.
"Continuing to fill in our pivot to Asia will be a critical part of the president's second term and ultimately his foreign policy legacy," said Ben Rhodes, Obama's deputy national security adviser.
The president's motivations in Asia are both personal and strategic.
Obama, who was born in Hawaii and lived in Indonesia as a child, has called himself America's first "Pacific president." The region gives him an opportunity to open up new markets for U.S. companies, promote democracy and ease fears of China's rise by boosting U.S. military presence in area.
The president, like many of his predecessors, had hoped to cement his foreign policy legacy in the Middle East. He visited two major allies in the region, Egypt and Saudi Arabia, on one of his first overseas trips as president and attempted to revive peace talks between Israel and the Palestinians.
But those talks stalled, and fresh outbursts of violence between Israel and the Palestinians make the prospects of a peace accord appear increasingly slim. The Obama-backed Arab Spring democracy push has had mixed results so far, with Islamists taking power in Egypt and progress in Libya tainted by the deadly attacks on the U.S. Consulate in Benghazi. Obama hasn't been back to the region since 2009.
In Asia, however, Obama will be viewed as something of an elder statesman when he returns less than two weeks after winning re-election. The region is undergoing significant leadership changes, most notably in China, where the Communist Party tapped new leaders last week. Japan and South Korea will both hold new elections soon.
"Most of the leaders he'll meet with will not have a tenure as long as he will as president," said Michael Green, an Asia scholar at the Washington-based Center for Strategic and International Studies. "So he'll go into this in a very strong position."
The centerpiece of Obama's whirlwind Asia tour is his visit to Myanmar. It will be the first time a U.S. president has visited the former pariah state.
Myanmar has become something of a pet project for Obama and his national security aides, who have cheered the country's significant strides toward democracy. Obama lifted some U.S. penalties on Myanmar, appointed a permanent U.S. ambassador and hosted democracy leader Aung San Suu Kyi at the White House this year.
Many of the same strategic motivations behind Obama's larger focus on Asia are at play in Myanmar, which is known by the U.S. as Burma.
The country long has oriented itself toward China, but the easing of sanctions gives American businesses a chance to gain a foothold there. It's also an opportunity for the Obama administration to show other nations in the region, and elsewhere in the world, that there are benefits to aligning with the U.S.
Still, there's little denying that history has been a draw for Obama's team when it comes to its dealings with Myanmar. That's led to criticism from some human rights groups that say Obama's visit is premature given that the country continues to hold political prisoners and has been unable to stem some ethnic violence.
"This trip risks being an ill-timed presidential pat on the back for a regime that has looked the other way as violence rages, destroying villages and communities just in the last few weeks," said Suzanne Nossel, the U.S.-based director of Amnesty International.
But the White House believes that "if we want to promote human rights and promote American values, we intend to do so through engagement," Rhodes said Saturday as Obama flew to Asia.
He said it was important for Obama to convey the message about "the type of action we'd like to see locked in, in Burma as it relates to political reform, as it relates to economic reform, and national reconciliation."
Obama's other stops in the region also underscore the potential pitfalls of going all-in in Asia.
Thailand's 2006 coup, which led to the ouster of the prime minister, strained relations with the U.S. and raised questions in Washington about the stability of its longtime regional ally. Cambodia, where Obama's visit also marks the first by a U.S. president, has a dismal human rights record.
White House officials have emphasized that Obama is visiting Cambodia because it is hosting the East Asia Summit, an annual meeting the U.S. now attends. Aides say the president will voice his human rights concerns during his meeting with Hun Sen, Cambodia's long-serving prime minister.
Still, human rights groups fear Obama's visit will be seen within Cambodia as an affirmation of the prime minister and a sign to opposition groups that the U.S. stands with the government, not with them.
Secretary of State Hillary Rodham Clinton was also traveling to Thailand where she was going to join Obama. Clinton then was to fly to Myanmar with Obama on Air Force One. It will be the last joint trip for the president and his secretary of state, the once presidential rival who went on to become Obama's peripatetic chief diplomat. Clinton is planning on leaving the administration.
November 17, 2012
Source: USA Today


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Despite fears they might lose clients when going independent, 79% of advisors who switched to the indie model in the last two years say the majority of clients stuck by their side, Schwab Advisor Services reported Tuesday.
Forty advisors interviewed by Koski Research for Schwab Advisor Services in February and March said that client retention was one of their top three concerns when they moved to the independent model. Yet these advisors in their "sophomore" year who custody with Schwab said that not only did their clients agree to make the transition with them, but 60% were immediately on board when told about the change.
"As one of the fastest growing segments of the financial services industry, it is clear that the appetite for independent advice is expanding as more and more advisors turn to the RIA space," said Jon Beatty (right), senior vice president of sales and relationship management with Schwab Advisor Services, in a statement. "With industry growth comes more choice for advisors as they seek out a path to independence."
Schwab cites industry research by Cerulli Associates that finds that the RIA industry has seen an 8% annual growth rate, more than doubling industry assets under management to $2.8 trillion from $1.3 trillion over the past 10 years.
Move to Indie Model Takes About Two Years
From the initial thought to the actual move, it took an average of two years to go independent, according to the interviewees, who have worked in the industry for 15 years on average and manage a median $100 million in assets.
Freedom, control, independence and personal service were the words they used to describe what they were looking for when they decided to make the move.
The vast majority of advisors, 98%, noted "the ability to provide more personalized service to clients" as being a very or somewhat important aspect in the decision to become an RIA. A full 95% spoke of "the preference to work for yourself," while 93% mentioned the desire to earn a higher income. Also important was the need to "protect personal reputation" by moving to the independent model.
'I Am Happier Now as an Independent Advisor'
And now that they are independent, all advisors interviewed said that if they had to do it over again, they would still make the decision to go indie. Nine in ten advisors said their firm is now better positioned for growth, while three in four wished they would have made the decision to turn independent sooner. "Over 90% say, respectively, 'I am happier now as an independent advisor' and 'I recommend going independent to other financial advisors,'" Schwab reported in the executive summary of its survey results. "The advice they would give other advisors is one of caution but action: be prepared, but just do it—don't wait."
Schwab helps advisors explore options for independence and offers the services of an advisor transition services team that works with them to develop a customized plan for their specific circumstances.
Schwab recently launched a new RIA Economic Discovery Tool that provides an at-a-glance hypothetical view of the financial benefits associated with the RIA channel as compared to other advisory models. After selecting an advisory model along with a few key estimates, advisors receive an economic analysis of an RIA's earning potential, income growth and firm value over time. The analysis outlines what they stand to gain by switching to the independent channel.
—–Read More Advisors on the Move in 2013: Diamond on AdvisorOne.


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Bad Dürrheim in the Black Forest boasts the double distinction of being a salt-water spa and a climatic health resort, which makes it ideal for a successful health break.
Bad Dürrheim is a pretty town whose precious salt water makes it the only salt-water spa in the Black Forest. It is also a climatic health resort thanks to the pleasantly bracing mountain climate in these Alpine foothills and the low levels of humidity. For visitors this means just one thing: the ultimate in health and relaxation.
Take time out in the salt-water spa
Numerous sports, wellness options and health facilities provide the perfect combination between an activity holiday and a health-focused break. A salt-water cure relieves stress on the joints and muscles with the help of soothing salt-water baths, strengthens the heart and circulation, clears the airways and boosts skin regeneration. The salt required comes directly from Bad Dürrheim's salt reserves.
Solemar and Dead Sea salt grotto
At the Solemar centre visitors can enjoy an array of water attractions and experience blissful warmth in the six themed saunas that make up the 3,200 m² Schwarzwald sauna complex. The 23°C Dead Sea salt grotto, where the humidity never rises above 50 per cent, is also wonderfully relaxing. Its pure ionised air, combined with soothing sounds and lighting, soon reveals its positive effects.
Outdoor Activities in the Black Forest
Bad Dürrheim also encourages visitors to put together their own formula for enjoying outdoor activities: in the extensive spa gardens, on more than 100 kilometres of cycling and walking routes or on three Nordic walking trails. The popular holiday region between the Black Forest and the Swabian Alb also offers many exciting discoveries.
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