Podcasts about fsc securities corporation

Advisor Group's Jonathan Belair chats with Christian F. Li, a CFP with The Advisory Group. Christian Li is a founding member and the Vice-President of The Advisory Group, as well as a Registered Representative with FSC Securities Corporation.  He has extensive knowledge in comprehensive financial planning, estate planning, personal and business risk management, and modern portfolio theory, which helps him design sophisticated investment allocation strategies for clients. Christian shares his insight on YCharts and describes the advantages it provides when used for managing client portfolios. He discusses fundamental and technical charts, measuring your indexes and realizing efficiencies.

Wornel Simpson and Kellen Simpson are among the nation's leading investment and insurance industry professionals with over 4 decades of experience. They exhibit a unique approach to ascertaining 21st-century economic and generational trends and opportunities.Wornel Simpson and Associates was established in 1983 as a financial management firm. In 2018, J. Clyde Management (jclydemgmt.com) was created to help develop the innovative ideas of entities seeking next-level business advice and direction.Focusing on family and lifestyle advisory, impact investing, estate planning, family governance, philanthropy management, succession planning, cash management, spending strategies, contract negotiations, marketing, content creation and brand development- Kellen and Wornel are committed to delivering responsible results through responsible actions.Wornel Simpson (B.A.- Political Science, University of California, Davis) is a Registered Representative of FSC Securities Corporation and holds FINRA Series 7, 63, and 65 registrations. He is registered in the states of CA, AZ, CO, FL, GA, ILL, IND, KS, MD, NV, NY, NC, VA, and WA. Wornel is life-licensed in CA, NV, FL, and WA. Kellen Simpson (B.A.- Communications Studies, Long Beach State University) is a licensed Life, Health and Accident Agent in CA and NC.Learn more at: http://www.wornelsimpson.com/Securities and investment advisory services are offered through FSC SECURITIES CORPORATION (FSC), a member of FINRA/SIPC. FSC is separately owned and other entities and/or marketing names, products, or services referenced here are independent of FSC. Insurance is offered through Wornel Simpson.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wornel-and-kellen-simpson-financial-professionals-with-wornel-simpson-and-associates

Wornel Simpson and Kellen Simpson are among the nation's leading investment and insurance industry professionals with over 4 decades of experience. They exhibit a unique approach to ascertaining 21st-century economic and generational trends and opportunities.Wornel Simpson and Associates was established in 1983 as a financial management firm. In 2018, J. Clyde Management (jclydemgmt.com) was created to help develop the innovative ideas of entities seeking next-level business advice and direction.Focusing on family and lifestyle advisory, impact investing, estate planning, family governance, philanthropy management, succession planning, cash management, spending strategies, contract negotiations, marketing, content creation and brand development- Kellen and Wornel are committed to delivering responsible results through responsible actions.Wornel Simpson (B.A.- Political Science, University of California, Davis) is a Registered Representative of FSC Securities Corporation and holds FINRA Series 7, 63, and 65 registrations. He is registered in the states of CA, AZ, CO, FL, GA, ILL, IND, KS, MD, NV, NY, NC, VA, and WA. Wornel is life-licensed in CA, NV, FL, and WA. Kellen Simpson (B.A.- Communications Studies, Long Beach State University) is a licensed Life, Health and Accident Agent in CA and NC.Learn more at: http://www.wornelsimpson.com/Securities and investment advisory services are offered through FSC SECURITIES CORPORATION (FSC), a member of FINRA/SIPC. FSC is separately owned and other entities and/or marketing names, products, or services referenced here are independent of FSC. Insurance is offered through Wornel Simpson.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-wornel-and-kellen-simpson-financial-professionals-with-wornel-simpson-and-associates

Mike Miller and Dan Gardner of FSC Securities corporation discuss retirement plans, the MEP plan available to members of the Electrical Association, and Dan's insight into the complexities and trends of planning for life after work.

Our next W Pulse podcast, Consistency is Key, will premiere on August 19, 2020. Lea Goodman, managing partner of The Legacy One Group in Houston, and a Managing Field Advisor/OSJ of FSC Securities Corporation, will share her personal and professional story as a woman in the financial services industry. Lea's focus on consistency in delivering quality service and support to her clients and embracing innovation have been key to her great success. The W Pulse series, brought to you by Advisor Group, was created by the Firm's Women Forward Initiative and the Women's Advisory Board. 

At the W Forum, we showcased four W Forum Visionaries.  We continue with our podcast series featuring each presentation in the event you wish to hear them again or listen to for the first time if you missed them.  Nina Lloyd, Vice President, Opus Financial Advisors, Inc. an advisor affiliated with FSC Securities Corporation, is featured in the next podcast premiering on July 3rd. Throughout this podcast, you will find out how Nina broke the mold!  As a second-generation advisor in a male-dominated field, Nina shares her personal journey to find her place within the financial industry, while also juggling the demands of a young family. Nina discusses how she went from being uncomfortable in her own skin, to growing her business through intentional giving of her unique gifts and strengths. The W Pulse series, brought to you by Advisor Group, was created by the Firm's Women Forward Initiative and the Women's Advisory Board.  This podcast series for Advisor Group's podcast network is accessible on iTunes, Google Play, or your favorite podcast app!

At the W Forum, we showcased four W Forum Visionaries.  During June and July, our podcast series will feature each presentation in the event you wish to hear them again or listen to for the first time if you missed them.   The next visionary we present is Kelly Ryan Smith, an advisor affiliated with FSC Securities Corporation.  Kelly started her financial advisory career in the Boston area and successfully relocated her business to the Carolinas in 2006. Premiering on June 19th, Are You Satisficed?, is the concept of being satisfied with what is satisfactory.  During this podcast, Kelly shares her story of how being satisfied helped Kelly and her husband with a big decision, and how this concept impacts clients' decisions.     The W Pulse series, brought to you by Advisor Group, was created by the Firm's Women Forward Initiative and the Women's Advisory Board.  This podcast series for Advisor Group's podcast network is accessible on iTunes, Google Play, or your favorite podcast app!

What is Auto to the 5th? In short, it’s a way that you can use technology to improve the quality of your retirement plan. Not only does it increase your employees’ participation in the plan, but it also protects you from liability. The first feature of Auto the 5th is automatic enrollment. Auto-enroll is greatly helpful, especially if you are an HR director who’s constantly busy chasing employees trying to get them to participate in the plan. In the past, the process of sending out forms to employees and hoping they not only fill them out but also return them to you was quite the ordeal. Thankfully, this hassle is eliminated with auto-enroll. What happens instead is that employees will receive a notification explaining that they are automatically participating in the company’s 401(k) plan but have the option to opt out. So, how much do you make them auto-enroll for? Let’s say you have a plan that matches 50% of the first 6% of contribution. In this case, we would recommend that you do an auto enroll at 6%—the full extent of the match. “The decision should ultimately be based on the rates that will work best for your employees.” This way, all of the employees are in the plan unless they choose to opt out. If you have trouble with this though, the law does allow you to go down as low as 3%. So when companies ask us what they should auto-enroll we usually say 10%, since that is the number needed to successfully get employees to retirement. However, the decision should ultimately be based on the rates that will work best for your employees. Every situation is different. The key is the 30-day notice. This will protect you under the law so that your employees know they’re able to opt out. If you have questions or would like more information feel free to give me a call or send me an email. I look forward to hearing from you soon. (Securities and advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Michigan 401(k) and Financial Independence are marketing names.)

Mr. Bourland is the founding shareholder of Bourland, Wall & Wenzel, P.C., a Fort Worth, Texas law firm which represents individuals, closely held and family businesses, professional practices and nonprofit entities (including charitable organizations) within its areas of legal practice. Mr. Bourland was born in Fort Worth, Texas on October 2, 1943.  He earned a B.A. from Baylor University and his J.D. from Baylor University School of Law.  He earned his LL.M. in Taxation from University of Miami, Florida.  Additionally, he was a Captain in JAGC, USAF, 1970-1975. Mr. Bourland was admitted to practice law in Texas in 1969 and is Board Certified in Estate Planning and Probate Law (Texas Board of Legal Specialization).  He is a member of the American Bar Association; State Bar of Texas and its Real Estate, Probate and Trust Law Section (Real Estate, Probate and Trust Law Council, 1993-1996); Tarrant County Bar Association (Director, 1987-1989); Tarrant County Probate Bar Association; Fort Worth Business and Estate Council (Chair, 1992-1993); and a Fellow of the American College of Trust and Estate Counsel. Mr. Bourland’s practice is directed to business, tax, estate planning, trusts, probate, charitable entity and charitable giving law. Mr. Bourland has been/is currently a guest lecturer in estate planning at Baylor University School of Law (where he is adjunct professor of law, co-teaching the Nonprofit Organizations course), Baylor University School of Business, Southern Methodist University School of Law, University of Texas School of Law and The Center for American and International Law.  He speaks regularly throughout the United States on subjects within his practice areas at seminars conducted by, among others, American Bar Association, American Law Institute, Texas Bar Association, American Institute of CPAs, Salk Institute for Biological Research and Texas Society of CPAs, Notre Dame, Duke and Tulane Universities. Additionally, he speaks regularly to churches and church leaders on the creation of church foundations and the governance of church organizations.  Mr. Bourland has contributed on subjects within his practice areas to publications including the New York Times, Nation’s Business, Business Week and Money magazine.   Mr. Bourland is a co-author of Keeping Your Church Out of Court , first, second and third editions. Broker Dealer Disclosure Investing involves risks in regards to all of the investment products mentioned in this commentary, including the potential loss of principal. International investing involves additional risks including risks associated to foreign currency, limited liquidity, government regulation, and the possibility of substantial volatility due to adverse political, economic and other developments. Investments in commodities may entail significant risks and can be significantly affected by events such as variations in the commodities markets, weather, disease, embargoes, international, political, and economic developments, the success of exploration projects, tax and other government regulations, as well as other factors. Due to volatility within the markets mentioned, opinions are subject to change and the information presented here should not be used to make investment decisions. Past performance cannot guarantee future results. The views expressed are not the opinion of FSC Securities Corporation, and should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Relative Strength is based on the study of historical price movements and past price trend patterns. There is no assurance that these movements or trends can or will be duplicated in the near future. Historical precedent does not guarantee future results. Conclusions expressed regarding relative strength are personal opinions; and may not be construed as recommendations to buy or sell anything. The S&P (SPX) is an unmanaged composite index considered to be representative of the US stock market in general. Indexes are not available for direct investment. Returns assume reinvestment of dividends but might not include taxes, fees, and other investment related costs. Past performance is not indicative of future results. Potential for profits is accompanied by possibility of loss. Technical Analysis is based on the study of historical price movements and past trend patterns. There is no assurance that these movements or trends can or will be duplicated in the near future. It logically follows that historical precedent does not guarantee future results. Conclusions expressed in the TA section are personal opinions; and may not be construed as recommendations to buy or sell anything.

I wanted to touch on two important topics briefly today, starting with the question of how much your employees need to save to successfully retire. We’ll then address the ‘Rule of 72,’ which gives you the ability to figure out how long it will take for your investments to double in value, as well how long it will take social security to eat into your spending power. In general, we tell people you need to save 10% to retire. It’s a little more complicated than that though because you need to figure out what percentage of your current income you need. We call this the ‘income replacement ratio’ or ‘income replacement formula.’   As a hypothetical scenario, let’s say we had a 40-year-old worker who makes $50,000 a year and knows he wants to retire at 66. It sounds simple to just say he needs 80% of his income—$40,000—but you have to consider inflation. Inflation chews into your spending power. We know we have inflation to battle against, but how? “Most 401(k) providers do calculations that tell you how much income you’ll be able to replace.”   This is where the Rule of 72 comes in. We can use this rule to engineer what your retirement needs to look like in the future. For the purpose of this example, let’s say our national average inflation rate was 3%. We’d then take 72 and divide by that three, giving us 24. This tells us that in 24 years, your spending power would be cut in half. If we go back to our 40-year-old who wants to retire in 26 years, he would need $80,000, not $40,000.Now, you might be thinking that this sounds too complicated and that your employees would never be able to figure it out. However, most 401(k) providers will do the calculations that will tell you how much income you’ll be able to replace. Some will even take that lump sum and turn it into a monthly income. If you’d like a list of these providers, I’d be happy to provide you one. This is mission critical. If your employees don’t know what they need to save for retirement, they are going to arrive at a point where they don’t have enough money to fund their retirement. This sounds like it can get difficult, but we provide a service to our clients called a ‘gap analysis.’ This takes a look at what you have in your plan, what you’re saving, and how it gets you to your retirement.  If you’d like a sample report of the gap analysis or you have any questions for us, give us a call. We would love to hear from you.   (Securities and advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Michigan 401(k) and Financial Independence are marketing names.)

Brendan is Chief Executive Officer of Clark Capital Management Group. As the Firm’s leader in defining and executing its vision and strategy, Brendan is tasked with aligning Clark Capital’s mission with its stakeholders’ needs. He oversees all of the Firm’s business lines, including custom-tailored strategies for high-net-worth investors, 40 Act products and strategist model delivery, and works to develop and enhance strategic partnerships while creating opportunities for growth. Brendan’s leadership of the Executive Team ensures that Clark Capital maintains its consistent, firm-wide focus on delivering world-class asset management strategies and services to advisors and investors. Brendan joined Clark Capital in 2001 and held positions of increasing responsibility, including Executive Vice President of Business Development. In this capacity, he played a key role in significantly increasing the Firm’s assets under management. Most recently as President, Brendan led the transformation of Clark Capital into a world-class asset management firm, directing all business development and marketing efforts and overseeing the creation and execution of key strategic relationships with broker-dealer partners and national platforms. He earned a B.S. in Economics from the University of Delaware, holds the Chartered Financial Analyst® designation and is a member of the CFA® Institute and the CFA® Society of Philadelphia. Broker Dealer Disclosure, Branch Address and Branch Phone Investing involves risks in regards to all of the investment products mentioned in this commentary, including the potential loss of principal. International investing involves additional risks including risks associated to foreign currency, limited liquidity, government regulation, and the possibility of substantial volatility due to adverse political, economic and other developments. Investments in commodities may entail significant risks and can be significantly affected by events such as variations in the commodities markets, weather, disease, embargoes, international, political, and economic developments, the success of exploration projects, tax and other government regulations, as well as other factors. Due to volatility within the markets mentioned, opinions are subject to change and the information presented here should not be used to make investment decisions. Past performance cannot guarantee future results. The views expressed are not the opinion of FSC Securities Corporation, and should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Relative Strength is based on the study of historical price movements and past price trend patterns. There is no assurance that these movements or trends can or will be duplicated in the near future. Historical precedent does not guarantee future results. Conclusions expressed regarding relative strength are personal opinions; and may not be construed as recommendations to buy or sell anything. The S&P (SPX) is an unmanaged composite index considered to be representative of the US stock market in general. Indexes are not available for direct investment. Returns assume reinvestment of dividends but might not include taxes, fees, and other investment related costs. Past performance is not indicative of future results. Potential for profits is accompanied by possibility of loss. Technical Analysis is based on the study of historical price movements and past trend patterns. There is no assurance that these movements or trends can or will be duplicated in the near future. It logically follows that historical precedent does not guarantee future results. Conclusions expressed in the TA section are personal opinions; and may not be construed as recommendations to buy or sell anything.

Imagine you’re getting ready to go on a great vacation and as your plane gets ready for takeoff, the flight attendant says, “Ladies and gentlemen, the captain would like me to inform you that there is an 85% chance that we will not get you to your destination on time and safely.” Are you going to stay on that flight? No way! Not with an 85% chance of failure! What we have learned in our 30 years of experience working with 401(k)s is that 85% of your employees have an 85% chance of not making it to retirement on time and safely. That’s what this series is going to be all about. We have written a book called “Tracking Retirement” where we used our experience to put all the secrets to creating a successful 401(k) plan together in one place for both you and your participants. Our goal is to help you help them to create paychecks for life for themselves. “We have put all our expert advice in one place.” Over the course of the next year, we’ll discuss topics surrounding your 401(k) and ways you can improve it for yourself and your participants. We will be sending a video out every other week covering a 401(k) topic, including how to reverse engineer your 401(k) expenses to reduce plan costs and how to get Uncle Sam to pick up 30% or 40% of the bill. The Pension Protection Act says that if you use specific automatic features in your 401(k), you can get complete fiduciary liability. Guess what? Those same features improve the quality of the plan for those participants trying to create those paychecks for life. If you like what you’ve heard so far, stay tuned for our next post. If you have any questions in the meantime, don’t hesitate to give us a call or send us an email. We look forward to hearing from you soon.   (Securities and advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Michigan 401(k) and Financial Independence are marketing names.)