Welcome to Our
Economic Summit
Your Name / Logo/ Company Here
Tonight’s Agenda
 2015 Economic Update
 Strategies to Consider
 Questions & Answers
All examples provided are hypothetical and meant for illustrative purposes only. State income tax laws can be different from
Federal income tax laws depending on your state. Be sure to take this into account before making any decisions. Individual
situations will vary so please consult a tax advisor to address your specific situation.
Five Key Areas of Financial Planning
 Protection
 Retirement Plan
 Investments
 Tax Planning
 Estate Planning
Let’s take a
non-emotional
look at some
key facts!
Is the stock
market
overdue
for a
correction?
Technically speaking…YES!
• The S&P has gone over 1,250 days and nearly
doubled in price with no major setbacks since its last
drop of 10%.
• S&P averages approximately one correction a year.
• Some argue that equity markets have been
technically overdue since the end of 2012.
(Source: Barron’s 4/27/2015)
It’s not the longest streak
investors have seen…
October 1990 –
October 1997
2,553 days
Gain of 223%
(Source: Barron’s 4/27/2015)
In April the
NASDAQ
reached a
15-year high!
While the index
recovered….
conditions have
changed!
Let’s compare…
2000
2015
$393 billion
#2
$759 billion
#1
$147 billion
#10
Wasn’t public
$388 billion
#3
Didn’t Exist
$228 billion
#4
$525 billion
#1
$21 billion
$466 billion
#2
(Source: Reuters 4/23/2015)
Wall Street’s
top strategists
are all bullish
for 2015
(Source: Barron’s 12/13/2015)
Increased volatility has returned to the equity markets
Dow Jones Industrial Average
Source: www.tradingeconomics.com
Interest Rates
Interest Rates
101
Federal Funds Rate is still near 0%
Fed Chair Janet Yellen is
clearly caught between the
economy and markets in
deciding the first rate rise.
"She seems to be hinting that
they're going to have to raise
rates one way or the other as
long as the economy is
growing at all."
Chris Low
Chief Economist FTN Financial
Key Interest Rates are Low in Most Countries
What about
OIL prices?
Oil prices still need to be monitored
Recent Job Reports Looked Strong!
What will
the future
bring?
Our GOAL is to monitor your situation!
Safety is at a premium !
Investors need
to prepare for
any
environment!
What does this mean for you?
What Can We Do Now?
Meet With You!
Confirm your risk tolerance is where
it should be for your situation.
Rebalance – Where appropriate
Capital Gains & Loss Tax Harvesting
Review Your Retirement Plans
It might be a
good time to
Re-evaluate your
risk tolerance.
 Conservative?
 Moderate?
 Aggressive?
The Stock Market vs. Your Portfolio
An index, whether S&P 500 or the Dow Jones, isn’t a
measure of your portfolio.
It’s what your portfolio is doing, not what “the
market” is doing, that is important.
Your portfolio doesn’t always move in lock step with
any single market or index.
Indexes cannot be invested in directly, are unmanaged and
do not incur management fees, costs and expenses.
Emotions can
often play a
large role in
how people
manage their
money.
What Has History Taught Us ?
It’s near impossible to consistently predict market
declines or increases.
It’s equally as hard to predict how long a market
decline or increase will last.
It’s almost impossible to consistently predict the
absolute best time to get in or out of the market!
We review
changes
for our clients
regularly.
What can you expect from us?
 Constant communication
 More frequent discussions
 We are constantly reviewing economic, tax,
estate and investment issues for our clients
Our role as your advisor:
 We will maintain a non-emotional objective
 We will avoid knee-jerk reactions
 We will assist you in making decisions that are
always in your best interest!
 WE WILL BE HERE FOR YOU!!!
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Today
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Thank You!
We appreciate the
opportunity to assist
with YOUR financial needs!
The views expressed are not necessarily the opinion of
Insert Broker-dealer name. Information is based on sources believed to be reliable, however, their accuracy or
completeness cannot be guaranteed.
Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or
protect against loss in periods of declining values. Past performance is no guarantee of future results.
This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice.
Contents provided by APFA,Inc.
Copyright 2015 APFA, Inc.