This course provides a comprehensive analysis of current economic and market conditions as presented in Fritz Meyer's June 2025 investment outlook webinar. Designed for financial professionals, the session explores the divergence between soft and hard economic data, recent GDP forecasts, inflation trends, and Federal Reserve policy updates. It also covers labor market dynamics, consumer spending, market valuation metrics, and the role of demographic wealth distribution in economic activity. Participants will gain actionable insights into interpreting key indicators such as the PCE deflator, yield curve behavior, and the equity risk premium. The course equips advisers with timely context to support client communications and investment decision-making.
If you run a fee-only practice adhering to fiduciary standards, or aspire to do so, this course is 'must see CE/CPE.' A teacher in Utah Valley University's financial planning program, Professor Craig Israelsen, Ph.D., details a systematic way to manage a profitable professional practice consistent with doing what's best for clients. The class ostensibly shows how to drive investment expenses to deliver a broadly diversified portfolio personalized to each client for as little as 10 basis points but in doing so reveals a way for practitioners to be compensated with an ongoing fee for adding personal advice on tax, financial planning, and specialized investments. Understanding how investment costs erode wealth is essential to a professional practice. This course explores the long-term impact of fund expenses and advisory fees on both portfolio accumulation and retirement income. Through detailed analysis and real-world examples, attendees learn how small differences in costs'measured in basis points'can lead to large differences in outcomes. The session also introduces the seven asset/12 category portfolio as a practical model for building low-cost, diversified portfolios. Advisors gain insights into managing sequence-of-returns risk, aligning asset allocation with withdrawal strategy, and helping clients preserve and grow their retirement savings.
The purpose of this course is to educate financial professionals on the principles and benefits of building diversified, multi-asset portfolios for long-term success. The course emphasizes the importance of spreading risk across uncorrelated asset classes, such as stocks, bonds, real estate, and commodities, to manage volatility and enhance returns. Key topics include the 7Twelve portfolio model, the impact of portfolio costs, the necessity of rebalancing, and the role of low-correlation assets in stabilizing portfolios. Attendees also learn how to align portfolio strategies with client goals and set realistic expectations by using appropriate benchmarks. The course provides actionable insights to help advisors construct portfolios that balance risk and return effectively over time.
This course explores the sustainability of retirement portfolio withdrawals using historical data and a diversified, multi-asset portfolio model. Led by Craig L. Israelsen, Ph.D., the presentation analyzes the maximum sustainable annual withdrawal rate over 31 rolling 25-year periods from 1970 to 2024, illustrating how portfolios can remain viable even after decades of distributions. The course challenges the conventional 4% withdrawal rule, providing evidence that higher withdrawal rates'up to 10% or more in some periods'may be sustainable when portfolios are properly diversified and costs are managed. Participants will gain insights into the importance of asset allocation, the role of sequence-of-returns risk, and the benefits of using a percentage-based withdrawal strategy. This research-driven analysis provides investment advisers and financial planners with practical, data-backed guidance for helping clients navigate retirement income planning with greater confidence.
This class is designed for CFPs, CPAs, and Registered Investment Advisors who manage money professionally and act as fiduciaries.It focuses on equipping financial professionals with insights into key economic trends and data that shape investment strategies.Participants will explore topics like the recent surge in U.S. worker productivity, the strength of job formation, and the implications of rising household net worth on consumer spending and GDP growth.Additionally, the course delves into retail sales trends, housing market signals, and inflation moderation to provide a comprehensive understanding of the current economic landscape. By synthesizing these insights, advisors can better navigate complex financial environments and enhance their decision-making for clients.
This 4813 word analysis is based on a class entitled, Financial Advising Neurodivergence by Dr. Frank Murtha.
It is not a restatement of that class. It is not duplicative. Rather it is new information applying lessons from the transcript in practice. This class builds on learning objectives in Financial Advising Neurodivergence, the first in this series about neurodivergence.
Neurodivergence Advising In Practice offers practical steps practitioners can take with clients. It translates the Learning Objectives from Financial Advising Neurodivergence into advisor actions and repeatable processes that can be applied in client interactions.
The focus is on how communication, interpretation, and execution intersect in real-world advisory practice with respect to financial advising client neurodivergence.
The analysis helps put client behavior in context. Clients process information differently and may require more structured decision environments. Advisors learn to identify situations in which standard communication approaches may introduce risk. It helps practitioners identify where misunderstandings are likely to occur and proactively designs interactions to prevent them.
Throughout the class, concepts are translated into action steps. Each slide improves the likelihood that actions are understood and carried out effectively.
This approach reflects professional responsibility. Advisors are not to diagnose or categorize clients but are responsible for adapting processes to support informed decision-making by clients with neurodivergence.
The class specifies ways to reduce ambiguity, verify comprehension, and create conditions where clients can engage with confidence and act with clarity.
Recommendations to clients affected by neurodivergence should be communicated in a way that respects client differences while maintaining consistency, transparency, and accountability.
When communication, behavior, and execution are aligned, advisory work becomes more reliable, more client-centered, and more effective. Clients with neurodivergence are, thus, able to achieve better outcomes from financial planning advice.
The class for investment adviser representatives focuses on compliance with the SEC's marketing rule, particularly for performance advertising. Key topics include creating compliant performance advertisements, understanding and adhering to rules regarding hypothetical and actual performance, and ensuring that advertisements are fair, balanced, and substantiated. The course emphasizes maintaining policies, procedures, and records to avoid SEC enforcement actions and the complexities of creating performance composites versus using representative accounts. Practical advice on balancing marketing objectives with compliance requirements and managing resources effectively for performance advertising is also provided.