Disclaimers

Disclaimers

The commentary on this website reflects the personal opinions, viewpoints, and analyses of Ashby Daniels (Content Creator) and is published and provided for informational and entertainment purposes only. Any opinions are those of Ashby Daniels and not necessarily those of Raymond James. All opinions are as of this date and are subject to change without notice. Any information provided is for informational purposes only and does not constitute a recommendation.

The information on this site constitutes the Content Creator’s own opinions (and any guest bloggers posting from time to time) and it should not be regarded as a description of services provided by Raymond James Financial Services, Inc. or Shorebridge Wealth Management.

The opinions expressed on this website are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product.  It is only intended to provide education about the financial industry.  The views reflected in the commentary are subject to change at any time without notice.

Nothing on this website constitutes investment advice, performance data or any recommendation that any security, portfolio of securities, investment product, transaction or investment strategy is suitable for any specific person.  Any mention of a particular security and related performance data is not a recommendation to buy or sell that security.

From reading this site, I cannot assess anything about your personal circumstances, your finances, or your goals and objectives, all of which are unique to you, so any opinions or information contained on this site are just that – an opinion or information.  You should not use this site to make financial decisions and I highly recommended you seek professional advice from someone who is authorized to provide such advice.

Any indices referenced for comparison are unmanaged and cannot be invested into directly. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.

I like to share links to articles and information which I find to be interesting and/or of potential value to other readers. It is in no way an endorsement by me or by anyone associated with me.

I will occasionally link to books/items on Amazon.  I receive no payment for any purchases resulting from using these links.

Privacy Policy:

We will never share or resell our reader’s names or email addresses.

This site contains links to other websites (which may include message boards or forums).  We are not responsible for the privacy practices or the content of such sites.  Please understand that any information that is disclosed in these areas becomes public information.  We have no control over its use and you should exercise caution when deciding to disclose your personal information.

Thanks for reading.  Please feel free to send me an email to ask a question about anything related to retirement, personal finance or investments.

Other Disclaimers:

Investors should consider the investment objectives, risks, charges and expenses of an exchange traded product or mutual funds carefully before investing. The prospectus contains this and other information and should be read carefully before investing. The prospectus is available from your investment professional [or from the fund company] and should be read carefully. Diversification and strategic asset allocation do not ensure a profit or protect against a loss.  Investments are subject to market risk, including possible loss of principal. 

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Prior to making an investment decision, please consult with your financial advisor about your individual situation.

ETF shareholders should be aware that the general level of stock or bond prices may decline, thus affecting the value of an exchange-traded fund. Although exchange-traded funds are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indexes, the funds may not be able to exactly replicate the performance of the indexes because of fund expenses and other factors. Every type of investment, including mutual funds, involves risk. Risk refers to the possibility that you will lose money (both principal and any earnings) or fail to make money on an investment. Changing market conditions can create fluctuations in the value of a mutual fund investment. In addition, there are fees and expenses associated with investing in mutual funds that do not usually occur when purchasing individual securities directly.

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person’s situation. RMDs are generally subject to federal income tax and may be subject to state taxes. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.Consult your tax advisor to assess your situation.

Donors are urged to consult their attorneys, accountants or tax advisors with respect to questions relating to the deductibility of various types of contributions to a Donor-Advised Fund for federal and state tax purposes. To learn more about the potential risks and benefits of Donor Advised Funds, please contact us.

The information contained on this site does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. 

Rebalancing a non-retirement account could be a taxable event that may increase your tax liability.

The case studies presented on this site are for illustrative purposes only. Individual cases will vary. 

Indexes:

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Dividends are not guaranteed and must be authorized by the company’s board of directors. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise.

The Dow Jones Industrial Average (DJIA), commonly known as “The Dow” is an index representing 30 stock of companies maintained and reviewed by the editors of the Wall Street Journal. Keep in mind that individuals cannot invest directly in any index. Past performance does not guarantee future results. Investment yields will fluctuate with market conditions. Keep in mind that there is no assurance that any strategy will ultimately be successful or profitable nor protect against a loss.

The Russell 2000 Index measures the performance of the 2,000 smallest companies in the Russell 3000 Index, which represent
approximately 8% of the total market capitalization of the Russell 3000 Index. 

The MSCI EAFE (Europe, Australasia, and Far East) is a free float-adjusted market capitalization index that is designed to measure developed market equity performance, excluding the United States & Canada. The EAFE consists of the country indices of 22 developed nations. 

The MSCI Emerging Markets is designed to measure equity market performance in 25 emerging market indices. The index’s three largest industries are materials, energy, and banks. 

The FTSE NAREIT All Equity REITs Index is a free-float adjusted, market capitalization-weighted index of U.S. Equity REITs. Constituents of the Index include all tax-qualified REITs with more than 50 percent of total assets in qualifying real estate assets other than mortgages secured by real property. 
The Barclays US Aggregate Bond Index is a broad-based flagship benchmark that measures the investment grade, US dollar-denominated, fixed-rate taxable bond market.

The Bank of America (BofA) Merrill Lynch US High Yield Master II Index measures the performance of short-term US dollar denominated below investment-grade corporate debt publicly issued in the US domestic market. Qualifying securities must have at least 18 months to final maturity at the time of issuance, at least one-year remaining term to final maturity as of the rebalancing date, a fixed-coupon and a minimum amount outstanding of $100 million. It is capitalization-weighted. 

The 3 Month Treasury Bill Rate is the interest rate for investing in a government issued treasury security that has a maturity of 3 months.

Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns.

Companies engaged in business related to a specific sector are subject to fierce competition and their products and services may be subject to rapid obsolescence. There are additional risks associated with investing in an individual sector, including limited diversification. Investing in small-cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. Stocks of smaller or newer or mid-sized companies may be more likely to realize substantial growth as well as suffer more significant losses than larger or more established issuers. Though it can help mitigate risk in a portfolio, asset allocation does not ensure a profit or protect against loss.

There are special risks associated with investing with bonds such as interest rate risk, market risk, call risk, prepayment risk, credit risk, reinvestment risk, and unique tax consequences. To learn more about there risks and the suitability of these bonds for you, please contact our office.

International investing involves additional risks such as currency fluctuations, differing financial accounting standards, and possible political and economic instability. 

Investing in emerging markets can be riskier than investing in well-established foreign markets. Investing involves risk and investors may incur a profit or a loss. Holding investments for the long term does not insure a profitable outcome. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Any examples are hypothetical for illustration purposes only. Actual investor results will vary. Currencies investing are generally considered speculative because of the significant potential for investment loss. Their markets are likely to be volatile and there may be sharp price fluctuations even during periods when prices overall are rising. Any securities mentioned is not a recommendation to buy or sell any individual security or any combination of securities. 

Insurance:

Gurantees are based on the claims paying ability of the inssuing company. Long Term Care Insurance or Asset Based Long Term Care Insurance Products may not be suitable for all investors. Surrender charges may apply for early withdrawals and, if made prior to age 59.5, may be subject to a 10% federal tax penalty in addition to any gains being taxed as ordinary income. Please consult with a licensed financial professional when considering your insurance options.

These policies have exclusions and/or limitations. The cost and availability of Long Term Care insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of Long Term Care insurance. Guarantees are based on the claims paying ability of the insurance company.

Anuities:

While a contract owner may benefit from tax deferral under an IRA or other qualified plan without the use of an annuity contract, annuities may provide additional investment and insurance or annuity benefits to individual contract owners. The tax treatment may not be important for purchasers using the contract in connection with certain qualified plans. A fixed annuity is a long-term, tax-deferred insurance contract designed for retirement.

It allows you to create a fixed stream of income through a process called annuitization and also provides a fixed rate of return based on the terms of the contract. Fixed annuities have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you’re not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. You should also know that a fixed annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them.

Variable Annuities: Any withdrawals may be subject to income taxes and, prior to age 59 1/2, a 10% federal penalty tax may apply. Withdrawals from annuities will affect both the account value and the death benefit. The investment return and principal value will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. An annual contingent deferred sales charge (CDSC) may apply. 

Other:

Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Securities offered through Raymond James Financial Service, Inc., Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.  Shorebridge Wealth Management is not a registered broker-dealer and is independent of Raymond James Financial Services.

 

Never Miss A Post!

I won't clog your inbox. Just one email per week, every Friday.

We won't send you spam. Unsubscribe at any time. Powered by ConvertKit