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OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
CUSTOMER ID PROGRAM
Customer ID Program. To help the government fight the funding of terrorism and money laundering activities, federal laws* require that Commonwealth obtain, verify, and record information that identifies each person who opens an account.FOR CLIENTS
Core Account Sweep Programs. Additions to cash balances awaiting reinvestment within clients' eligible brokerage accounts are automatically swept into Commonwealth's Core Account Sweep Programs providing Federal Deposit Insurance Corporation (FDIC) insurance. ORDER ROUTING PROCEDURES NFS may then route these orders to various venues for execution. Customers of Commonwealth may also request a written copy of this report. Reports for orders cleared through Pershing, LLC can be found by going to order routing disclosure and entering Commonwealth Financial Network as WHY SOCIAL MEDIA-FUELED INVESTING IS A CALL FOR FINANCIAL The influence of social media is undeniably far-reaching, and the world of investing is no exception. Robinhood, Reddit, and other platforms are creating new avenues for companies to target and reach broader audiences—and giving would-be traders the ability to tap into useful information. 3 REBALANCING STRATEGIES FOR REDUCING RISK Strategy 1: Buy and Hold. Rebalancing is often thought of as a return enhancer. But it can also be thought of as a risk reducer, particularly for those investors who employ a buy-and-hold approach. Without a rebalancing strategy, a balanced equity (e.g., 60/40 stock/bond) portfolio would see an increase in risk for every month,quarter, or year
5 STRATEGIES FOR NETWORKING IN A VIRTUAL WORLD 2) Increase Your Social Media Presence. Now is a great time to create or revisit your profile on LinkedIn, Twitter, Facebook, and Instagram. Make sure you have updated photos and messaging, and remember, being authentic is the key to helping you get the most from any of these platforms. It may be worthwhile to invest some time bolstering your HOW TO DEVELOP A SOCIAL-FIRST MARKETING STRATEGY 7 Steps to Building a Social-First Marketing Strategy. An effective social-first marketing strategy helps build relationships and positions you as an expert. As you are planning, begin by thinking about the social elements of your content and how your audience on social media might react to that content. 1) Know your targetaudience.
OUR ADVISORS
Meet Virgil Kahl, CPA, CFP®, president and owner, Spring Ridge Financial Group. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil chose Commonwealth in 2017 to helpher continue to
SHOULD SOME CLIENTS SELF-INSURE FOR LONG-TERM CARE? According to conventional financial planning, it’s important for high-net-worth individuals to self-insure for long-term care expenses. At Commonwealth and Ash Brokerage, our insurance partner, we would agree that while there's some truth to this idea, most clients (including high-net-worth ones) should consider transferring the riskof long-term care.
BUILDING A BRAND IDENTITY: A CHECKLIST FOR BREAKAWAY ADVISORS For advisors moving from a wirehouse to an independent channel, one of the most important duties is to anchor your new firm’s future with a strong brand identity. COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
CUSTOMER ID PROGRAM
Customer ID Program. To help the government fight the funding of terrorism and money laundering activities, federal laws* require that Commonwealth obtain, verify, and record information that identifies each person who opens an account. ORDER ROUTING PROCEDURES NFS may then route these orders to various venues for execution. Customers of Commonwealth may also request a written copy of this report. Reports for orders cleared through Pershing, LLC can be found by going to order routing disclosure and entering Commonwealth Financial Network as 5 STRATEGIES FOR NETWORKING IN A VIRTUAL WORLD 2) Increase Your Social Media Presence. Now is a great time to create or revisit your profile on LinkedIn, Twitter, Facebook, and Instagram. Make sure you have updated photos and messaging, and remember, being authentic is the key to helping you get the most from any of these platforms. It may be worthwhile to invest some time bolstering your 3 REBALANCING STRATEGIES FOR REDUCING RISK Strategy 1: Buy and Hold. Rebalancing is often thought of as a return enhancer. But it can also be thought of as a risk reducer, particularly for those investors who employ a buy-and-hold approach. Without a rebalancing strategy, a balanced equity (e.g., 60/40 stock/bond) portfolio would see an increase in risk for every month,quarter, or year
OUR ADVISORS
Meet Virgil Kahl, CPA, CFP®, president and owner, Spring Ridge Financial Group. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil chose Commonwealth in 2017 to helpher continue to
ESTATE PLANNING WITH INTENTIONALLY DEFECTIVE GRANTOR TRUSTS An IDGT is an irrevocable trust most often established for the benefit of the grantor’s spouse or descendants. The trust is irrevocable by design in order to remove the underlying trust assets from the grantor’s estate. It should be established with a non-interested party as trustee to avoid its accidental inclusion in the grantor’sestate.
BUILDING A BRAND IDENTITY: A CHECKLIST FOR BREAKAWAY ADVISORS For advisors moving from a wirehouse to an independent channel, one of the most important duties is to anchor your new firm’s future with a strong brand identity. SHOULD SOME CLIENTS SELF-INSURE FOR LONG-TERM CARE? According to conventional financial planning, it’s important for high-net-worth individuals to self-insure for long-term care expenses. At Commonwealth and Ash Brokerage, our insurance partner, we would agree that while there's some truth to this idea, most clients (including high-net-worth ones) should consider transferring the riskof long-term care.
ERINKATE GREELEY
ErinKate Greeley is director of application solutions at Commonwealth®, member FINRA/SIPC, the nation’s largest privately held Registered Investment Adviser–independent broker/dealer. ErinKate leads application development and engineering, using her holistic perspective and institutional knowledge to leverage Commonwealth’s toolsets, services, and websites for optimal businesssolutions.
THE INDEPENDENT MARKET OBSERVER On May 26, 1896, Charles Dow first published a list of 12 industrial companies, combining their prices in an index for the first public index of the stock market. Note that phrase, because a standard of measurement— an index —was the necessary first step in transforming a market of stocks (i.e., individual companies) into astock market.
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets. IS INFLATION AS SCARY AS IT SEEMS? In other words, that scary number was a one-off. Core inflation. A simpler way to look at it is to take out food and energy from the headline number, which gets us to what is called core inflation. If we look at that, the 4.2 percent becomes 2.96 percent, which is still not great but is considerably less scary than the initial headline number.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. 8 POTENTIAL RISKS IN YOUR FINANCIAL ADVISORY PRACTICE Risk 1: Competition. The competition present in the financial planning and advice industry is constantly growing and changing. According to market research firm IBISWorld, the revenue in the U.S. industry has grown 5.5 percent over the past five years, and Ameriprise Financial, Bank of America, Morgan Stanley Wealth Management, and Wells Fargo THE BENEFITS OF MANAGED 401(K) ACCOUNTS: ARE THEY REAL?SEE MORE ONCOMMONWEALTH.COM
CUSTOMER ID PROGRAM
Customer ID Program. To help the government fight the funding of terrorism and money laundering activities, federal laws* require that Commonwealth obtain, verify, and record information that identifies each person who opens an account. ORDER ROUTING PROCEDURES NFS may then route these orders to various venues for execution. Customers of Commonwealth may also request a written copy of this report. Reports for orders cleared through Pershing, LLC can be found by going to order routing disclosure and entering Commonwealth Financial Network as 5 STRATEGIES FOR NETWORKING IN A VIRTUAL WORLD 2) Increase Your Social Media Presence. Now is a great time to create or revisit your profile on LinkedIn, Twitter, Facebook, and Instagram. Make sure you have updated photos and messaging, and remember, being authentic is the key to helping you get the most from any of these platforms. It may be worthwhile to invest some time bolstering your 3 REBALANCING STRATEGIES FOR REDUCING RISK Strategy 1: Buy and Hold. Rebalancing is often thought of as a return enhancer. But it can also be thought of as a risk reducer, particularly for those investors who employ a buy-and-hold approach. Without a rebalancing strategy, a balanced equity (e.g., 60/40 stock/bond) portfolio would see an increase in risk for every month,quarter, or year
OUR ADVISORS
Meet Virgil Kahl, CPA, CFP®, president and owner, Spring Ridge Financial Group. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil chose Commonwealth in 2017 to helpher continue to
ESTATE PLANNING WITH INTENTIONALLY DEFECTIVE GRANTOR TRUSTS An IDGT is an irrevocable trust most often established for the benefit of the grantor’s spouse or descendants. The trust is irrevocable by design in order to remove the underlying trust assets from the grantor’s estate. It should be established with a non-interested party as trustee to avoid its accidental inclusion in the grantor’sestate.
BUILDING A BRAND IDENTITY: A CHECKLIST FOR BREAKAWAY ADVISORS For advisors moving from a wirehouse to an independent channel, one of the most important duties is to anchor your new firm’s future with a strong brand identity. SHOULD SOME CLIENTS SELF-INSURE FOR LONG-TERM CARE? According to conventional financial planning, it’s important for high-net-worth individuals to self-insure for long-term care expenses. At Commonwealth and Ash Brokerage, our insurance partner, we would agree that while there's some truth to this idea, most clients (including high-net-worth ones) should consider transferring the riskof long-term care.
ERINKATE GREELEY
ErinKate Greeley is director of application solutions at Commonwealth®, member FINRA/SIPC, the nation’s largest privately held Registered Investment Adviser–independent broker/dealer. ErinKate leads application development and engineering, using her holistic perspective and institutional knowledge to leverage Commonwealth’s toolsets, services, and websites for optimal businesssolutions.
THE INDEPENDENT MARKET OBSERVER On May 26, 1896, Charles Dow first published a list of 12 industrial companies, combining their prices in an index for the first public index of the stock market. Note that phrase, because a standard of measurement— an index —was the necessary first step in transforming a market of stocks (i.e., individual companies) into astock market.
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
CUSTOMER ID PROGRAM
Customer ID Program. To help the government fight the funding of terrorism and money laundering activities, federal laws* require that Commonwealth obtain, verify, and record information that identifies each person who opens an account. BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
ESTATE PLANNING WITH INTENTIONALLY DEFECTIVE GRANTOR TRUSTSSEE MORE ONCOMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. THE INDEPENDENT MARKET OBSERVER On May 26, 1896, Charles Dow first published a list of 12 industrial companies, combining their prices in an index for the first public index of the stock market. Note that phrase, because a standard of measurement— an index —was the necessary first step in transforming a market of stocks (i.e., individual companies) into astock market.
COMMONWEALTH FINANCIAL NETWORK® Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed. LearnMore.
OPTIMISTIC OUTLOOK FOR EMERGING MARKETS IN 2021?SEE MORE ONCOMMONWEALTH.COM
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
PROSPECTING FOR HIGH-NET-WORTH CLIENTS Prospecting for High-Net-Worth Clients. Brian Glazer, ChFC®. 08.07.19 in Marketing & Practice Management. High-net-worth investors (HNWIs) typically have liquid financial assets (e.g., cash on hand or an asset that can be readily converted to cash) of between $1 million and $5 million. And ultra-HNWIs have more than $25 million in liquid assets.FOR CLIENTS
For a list of fees charged by Commonwealth for brokerage accounts and related services, please see the Schedule of Miscellaneous Account andService Fees below.
CUSTOMER ID PROGRAM
Customer ID Program. To help the government fight the funding of terrorism and money laundering activities, federal laws* require that Commonwealth obtain, verify, and record information that identifies each person who opens an account. BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUSTSEE MOREON COMMONWEALTH.COM
ESTATE PLANNING WITH INTENTIONALLY DEFECTIVE GRANTOR TRUSTSSEE MORE ONCOMMONWEALTH.COM
BUILDING A TRUE MERITOCRACY: THE IMPORTANCE OF DIVERSITY Building a True Meritocracy: The Importance of Diversity and Inclusion. Even leaders who don’t intrinsically value diversity and inclusion have learned that they improve corporate resiliency and help the bottom line. In fact, McKinsey, Deloitte, and BCG have all published quantitative research on the benefits of diversity. THE INDEPENDENT MARKET OBSERVER On May 26, 1896, Charles Dow first published a list of 12 industrial companies, combining their prices in an index for the first public index of the stock market. Note that phrase, because a standard of measurement— an index —was the necessary first step in transforming a market of stocks (i.e., individual companies) into astock market.
OUR ADVISORS
Meet our advisors. Sumedha brought with her more than a decade of experience in the banking and financial services industries when she joined Armstrong, Fleming & Moore. A solo practitioner, Virgil has built a perennial top-producing firm within Commonwealth from the ground up. With the support of her team of 10, Virgil choseCommonwealth in
CAREERS AT COMMONWEALTH Turning our advisors into raving fans starts by doing the same for our employees. We foster an environment of excellence, growth, rewards, and fun in equal measure, so our employees genuinely enjoy coming to work. And thanks to our staff, we've hauled in the honors to prove it. Careers. Open Roles. IS INFLATION AS SCARY AS IT SEEMS? Energy commodities. What also needs to be considered in the numbers, especially for energy commodities, is that current prices are being compared with a very low base, which makes year-over-year values look significant. For instance, the price of oil currently stands at pre-COVID levels ($62 per barrel) after plunging to low double digits in April 2020 as the economy came grinding to a halt.OUR HISTORY
Our History. Commonwealth opened its doors in 1979 as a small Massachusetts broker/dealer with big aspirations. The company was born from founder Joe Deitch's retail financial planning practice, the Cambridge Group. By creating his own independent broker/dealer, Joe aimed to foster the common good of advisors, their clients, and homeoffice
WHAT IT MEANS TO BE A FIDUCIARY—AND WHY IT MATTERS Are you a fiduciary? It’s a question advisors are hearing from clients—and asking themselves—with more frequency. In recent years, the topic of what it means to be a fiduciary has moved to the forefront, with the DOL fiduciary rule (vacated in 2018 with new proposals re-emerging in 2020), Regulation Best Interest (Reg BI), and Form CRS piquing interest and raising awareness among investors. 3 REBALANCING STRATEGIES FOR REDUCING RISK Strategy 1: Buy and Hold. Rebalancing is often thought of as a return enhancer. But it can also be thought of as a risk reducer, particularly for those investors who employ a buy-and-hold approach. Without a rebalancing strategy, a balanced equity (e.g., 60/40 stock/bond) portfolio would see an increase in risk for every month,quarter, or year
THE SCIENCE OF SUCCESS: WHY POSITIVE THINKING MATTERS The Science of Success: Why Positive Thinking Matters. Kol Chu Birke, CFP®. 12.17.19 in Marketing & Practice Management. You’ve heard the phrase, “the power of positive thinking,” probably more times that you can count. Obviously, you can’t just sit back and think about growing your business without putting in any effort and expect to BUILDING A BRAND IDENTITY: A CHECKLIST FOR BREAKAWAY ADVISORS For advisors moving from a wirehouse to an independent channel, one of the most important duties is to anchor your new firm’s future with a strong brand identity. WHAT REG BI MEANS FOR FINANCIAL ADVISORS What Reg BI Means for Financial Advisors. Starting on June 30, the Regulation Best Interest Rule (Reg BI) will set a new standard of conduct for broker/dealers. It requires that a broker/dealer and its associated persons must always act in the best interest of their retail customers when recommending securities or investment strategies ABOUT THE INDEPENDENT MARKET OBSERVER About. Brad McMillan is chief investment officer and a managing principal at Commonwealth Financial Network®, a Registered Investment Adviser–broker/dealer based in Waltham, Mass., and San Diego, Calif. He is the primary spokesperson for Commonwealth’s investment divisions. Brad earned degrees from Dartmouth College (BA), MIT (MS inreal
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GO WHERE YOU GROW.
Build your business at Commonwealth today—and wherever tomorrow takes you. See how we help our independent financialadvisors thrive.
With Commonwealth since 2003, Nichole has built a dynamic advisory business in three states that just keeps growing. Read Nichole's story.
Since joining
Commonwealth in 2007, John continued his firm's evolution with a transition to a fee-based business in 2018. Read John's story.
INDEPENDENT MARKET OBSERVER DAILY UPDATES CIO Brad McMillan provides daily coverageon how the
COVID-19 pandemic is affecting the markets and economy. RANKED #1 BY J.D. POWER Commonwealth has been ranked "Highest in Independent Advisor Satisfaction Among Financial Investment Firms" for the seventhstraight time
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YOU BELONG HERE
Dually registered, 100 percent advisory, or something in between—come to Commonwealth as you are and grow your business, your way. Partner with a firm that values the same things you do: freedom, choice, and culture. Impossible? Not here. ALL MODELS, SUPPORTED What does success look like for you? You decide and we'll get you there, no matter which business model you choose—today or in thefuture.Right Arrow
PASSION FOR PEOPLE
We treat our advisors, staff, and community like family. It's been the secret to our success for more than 40 years, and that's something we'll never change.Right Arrow QUALITY AND COMMUNITY Commonwealth's story was built one advisor at a time. Let's build yours here. You'll find the solutions and expertise to move your business forward, backed by our best resource: the best people. Explore why advisors continue to choose us to help them succeed.Learn More
WHAT CAN YOU EXPECT IN TRANSITION? See the difference a dedicated team makes.Learn More
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WORK WITH US! EXPLORE OUR CAREERS PAGE AND SEE HOW WE'RE SERIOUS ABOUT WHAT WE DO (WITHOUT TAKING OURSELVES TOO SERIOUSLY).Careers
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WHAT WE'RE THINKING
WEALTH PLANNING & INVESTING HELP CLIENTS STAY ON TRACK WITH THIS 10-POINT YEAR-END FINANCIALPLANNING CHECKLIST
Anna Hays, JD, LLM
10.07.20
MARKETING & PRACTICE MANAGEMENT DOES YOUR PERSONAL BRAND CONVEY WHAT YOU THINK IT DOES?Kristen Terpstra
09.23.20
11.23.20
BENEFIT OR BACKFIRE: NAVIGATING THE IRREVOCABLE MEDICAID TRUST From family dynamics to tax implications, here’s what you and your clients should consider before implementing an irrevocable Medicaidtrust.
11.20.20
HOW TO CHOOSE THE BEST BROKER/DEALER FOR YOU Choosing the best broker/dealer means looking beyond a big name, shiny sign-on bonus, and slick marketing to consider the importance of fit.Here's how.
11.18.20
KEEPING EVERYONE ENGAGED: TIPS FOR VIRTUAL TRAINING Need to present to your clients virtually? Learn eight tips for becoming a master of virtual meetings.All Insights
ARE WE A GOOD FIT?
Hi, I'm Andrew, the managing principal in charge of business development. I can't wait to learn more about you and share ourCommonwealth story.
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WALTHAM
29 Sawyer Road, Waltham, MA 02453-3483 Toll-Free 800.237.0081Phone 781.736.0700
Fax 781.736.0793
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110 West A Street, Suite 1800, San Diego, CA 92101-3706 Toll-Free 877.347.1982Phone 619.471.9700
Fax 619.471.9701
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