 Net Worth is an Indicator of Financial Health: Companies and PeopleNet worth and financial success is something that is not
always visual. Consistent growth in net worth is an indicator of positive
financial health, but when liabilities grow faster than assets, or the value of
assets drop, the result is negative net worth. Net worth calculate by
subtracting liabilities (owed debt) from assets owned. Net worth is estimated
for both individuals and companies and is an accurate determination of how much
something (or someone) is worth. Net worth can fluctuate based on assets decreasing
or increasing in value, or acquiring more or paying off debt. Read More >>
 What Does an Inverted Yield Curve Mean to Investors?An inverted yield curve for U.S. Treasury bonds is the most
consistent indicator of a recession and signals to investors a recessionary
period is approaching or is already underway.
Due to the duration risk of holding assets over time, a
normal yield curve shows that bonds with a longer maturity have a higher yield and
pay more interest than short-term bonds. Investors usually demand higher rates
of return if their money is invested for a more extended period. Read More >>
 The Human Side of Wealth ManagementAn advisor’s advanced skills determine
how to best manage the client’s wealth through human attributes outside of
technology. The financial services industry has classified “advice”
as financial planning, not investment advice (the selection of investments),
which is just one part of wealth management. If Robo-advisors have done nothing
else, they have revealed that much of the investment
advice in selecting investments can be automated. With technology doing
much of the work as it relates to the investment selection part of the
equation, investors need to think more broadly about their financial planning. Read More >>
 529 Savings Plans: For Education Expenses and Estate Planning?529 plans are becoming popular in estate planning thanks to
the 2017 Tax Reform Act. A 529 plan is a state-sponsored tax-advantaged plan designed
for saving for future education expenses that are authorized by Section 529 of
the Internal Revenue Code. If used for education, the assets grow tax-free.
Since 529 plans came into existence in 1996, they have grown to $328 billion in 31.1 million accounts according to Strategic Insight. Read More >>
October 2019 Newsletter Approval 2718551.1
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