Sep 122014
 

Franklin BradfordWhat is value investing? It’s a term that is used often in the investment industry. Here is an easy to understand explanation of value investing from our “Financial Intelligence” video series.
Note: This video was originally posted on August 7, 2013. Since we’ve been asked about this term lately, we decided to post it again. Let me know what you think.

Franklin Bradford, CMT
Senior Vice President
Wealth Consultant

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value investing

Aug 292014
 

Robert Saik, CEO of The Agri-Trend Group of Companies, is a Professional Agrologist and a Certified Agricultural Consultant. As founder of The Agri-Trend Group, Robert has been involved in the development of many new business processes and concepts.

The changing world of agricultural

Rob Saik tracks agricultural trends that affect the economy and investors’ portfolios. Greg Powell connected with Rob via Skype for an interview concerning these trends and how they impacts investors. The world is changing dramatically in many areas and agricultural change is increasing at a high right. While the average person may assume that agriculture is behind the times, Rob knows this is not true. In fact, most of the growth in agriculture is because of technology and the data being collected.

Agricultural investment opportunities

North America is one of the few regions that produces more food than it consumes. This is providing unique opportunities for investors because of the use of technology. Traditional farming has implemented so much technology that much of it is automated. For this reason farmers are sitting in their air conditioned tractor cabs engaging in agricultural conversations on Twitter and surfing the internet.

As Rob Saik travels the world researching farmers he has discovered that if the technology is there, farmers adopt it very fast. To Rob, this answer the question of whether agriculture can feed the world. With the way farmers are embracing and using technology, Rob is convinced agriculture will be able to tackle the world food supply needs.

The agricultural threat

Currently there is a cultural push to use locally grown food. While that works on a local level, that food supply model will not feed an entire city or the world. The anti- GMO (Genetically Manipulated Organisms) mindset threatens our ability to feed the world. This movement is fueled by emotion and is not based on science. This movement causes panic policies to be made on these emotions. The farming industry represents only 2% of the US population and they don’t really have a voice for how agriculture really works. This is one of the biggest dangers facing agriculture. There is a lot of great science happening in the agricultural industry and that information is not being presented to the masses.

Overcoming the threat to agricultural

Educating the general public will help overcome this threat. Technology and science are bringing enormous positive strides in agriculture and if people could understand it, it could help keep improving agriculture and set us up for a brighter future.

More information on agriculture trends:

The AgAdvance Journal: a free publication covering how biotech, robotics, data, drone technology, and other industries are changing agriculture. Visit agadvance.com

The Agriculture Manifest: book by Rob Saik on Amazon.com

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Agri-Trend has been nominated one of Canada’s 2012 Top 50 Best Managed Companies and was recognized by Venture Magazine as one of Alberta’s 2013 top 25 Most Innovative Organizations.

Rob Saik is a Director of Westerner Park, 2014-2015 Chairman of Agri-Trade Show, past Director of the Red Deer Chamber of Commerce, and serves on The Red Deer Chamber of Commerce Ag Policy Committee as well as Advisor to The Canadian Management Council, The Farm Progress Show and The Red Deer College Donald School of Business.

He is a passionate keynote speaker addressing audiences on the importance of modern agriculture. He is also the author of, “The Agriculture Manifesto” – 10 Key Drivers That Will Shape Agriculture in the next Decade.
In 2006 Rob Saik was recognized as Distinguished Agrologist of the Year by the Alberta Institute of Agrology. He is passionate about pursuing business opportunities in the Agricultural Sector.
Rob Saik and Agri-Trend are not affiliated with LPL Financial.

Greg Powell is President and CEO of fi-Plan Partners, an independent investment firm in Birmingham, AL, serving clients across the nation through financial planning, wealth management and business consulting. fi-Plan Partners creates strategies in the best interest of their clients using both fee based investing and transactional investing.

Aug 132014
 

How bad can it get?

I’m talking about all the world event headlines that are going on right now. Some days you turn on the TV or read the news headlines and you end up shaking your head at what is being reported. As an investor, you need to remember that these are just headlines. The events are not finalized when the headline comes out.

Current world event headlines

There are many world event headlines hitting the news right now. We all know that the Portuguese bank is in a bad situation. The ebola outbreak is making big headlines as international air travel could be heavily impacted. These are big headlines but if they don’t pan out, they will not affect our economy at all.

Interest rates are also another big headline but if you are watching the economic data, rates will probably not go up until later in the year. The drama in Russia is a big headline but if it comes to a resolution, it also will not affect the economy.

The outcome of the Israel and Gaza strip conflict is still to be determined. ISIS is making big headlines and it is good for us to be concerned about this terrorist group but again the impact on our economy is still unsure.

The investor’s response to world event headlines

The question you need to be asking when watching or reading the news is, “How could this world event really impact my portfolio?” The message coming from the media can cause some investors to over react. At fi-Plan Partners we are conducting diligent research and data analysis to make portfolio decisions that are in the best interest of our clients and not influenced by the media.

Greg Powell, CIMA
President/CEO
Wealth Consultant
Email Greg here

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Greg Powell is President and CEO of fi-Plan Partners, an independent investment firm in Birmingham, AL, serving clients across the nation through financial planning, wealth management and business consulting. fi-Plan Partners creates strategies in the best interest of their clients using both fee based investing and transactional investing.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The economic forecasts set forth in the presentation may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

Jul 312014
 

Viewer question:

I would like to know how Treasury Floating Rate Notes work, how they are purchased, sold, and the pros and cons, etc.”

Floating rate notes became popular in the 1970s. When interest rates are low, they become a popular option for people. They can be a good way to hedge yourself against inflation or rising interest rates. The Treasury Floating Rate Note is the first new product the Treasury has offered in 17 years.

Understanding floating rate notes

Banks and businesses can issue floating rate notes because they can extend their maturities. It can be compared to your home equity line of credit and your fix rate mortgage (more in the video).

Why would the treasury issue floating rate notes?

Floating rates extend the maturities on their short term treasury bills into these floating rate notes so they don’t have to constantly be refinanced. They are willing to take on a more interest rate risk. If interest rates do go up, tax payers are going to have to pay that interest. They are designed for short term cash and they are mostly being bought by bonds that use money markets.

Are floating rate notes a good investment?

We are not recommending floating rate notes but they may be appropriate for some investors on a case by case basis. To determine if floating rate notes are a good investment for you, we would need to talk with you and look at your specific situation and needs.

It’s important to know that the interest rate to floating rate notes is very low. It is not much higher than what you would get in a traditional treasury. There is a concern that the return is not as good as you could get somewhere else and you have a maturity of two years.

If you would like to talk with me about floating rate notes, please give me a call or email me here.

Franklin Bradford, CMT
Senior Vice President
Wealth Consultant
Email Franklin Bradford here

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fi-Plan Partners is an independent investment firm in Birmingham, AL, serving clients across the nation through financial planning, wealth management and business consulting. fi-Plan Partners creates strategies in the best interest of their clients using both fee based investing and transactional investing.

Government bonds Notes and Treasury bills are guaranteed by the US government Treasury Floating Rate Notes pay varying amounts of interest quarterly until maturity. Interest payments rise and fall based on discount rates in auctions of 13-week Treasury bills.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

Jul 182014
 

Receive the investing answers you need by sending us your comments and questions. This way we know exactly what you want to hear in our vlogs. If you subscribe to this vlog in the right side bar of this page, you will receive an email notification every time we post a new Investors’ Insights. We promise to keep your email confidential.

How often should you review your 401K?

You should evaluate and review your 401k every 90 days because as the markets change, so will your returns in your 401k. It’s amazing to me how many people believe they can retire just because they have a 401k yet they never bother to look at it. That’s just like someone saying, “Well, I must have money in the bank because I have a checkbook.” It just doesn’t work that way.

Avoid these mistakes with your 401k

Just because you have a 401k doesn’t mean you’re on track to retire and achieve your dreams and goals. You might not be putting in enough money on a regular basis to help you reach your goals. Also, the funds allocated in your 401k might be underperforming.

Another mistake many people make is setting up their 401k just like another person who works with them. You should never do this because they could have different retirement and lifestyle goals than you. Also, they may be able to handle more volatility in their portfolio than you can.

The best way to set up your 401k

The best way to make sure your 401k is set up to work towards your goals and the lifestyle you want to have in retirement is to create a financial blueprint. By doing this, you are able to project what kind of rate of return your 401k needs in order for you to reach your goals.

How to consistently track and review your 401k

A financial blueprint will also help you track your 401k so you know the returns it is generating for you. Then you will know if you are really on track to achieve your retirement goals.

Once you set up these basic fundamentals, you will need to review your 401k every 90 days so you can make adjustments according to the changes in the markets.

The 401k that performs the best

The 401k that performs the best is the one where the owner was very active in it and updated it on a regular basis. I have encountered many situations where two different people set up their 401k’s exactly the same but the one that out performed the other did so because that person had a financial blueprint, stayed on top of it, tracked it, and made adjustments with the market’s fluctuations.

How to Create a financial blueprint

I would love to help you create a custom financial blueprint that will help you maximize and review your 401k. You can work with me and our entire team of specialists to build Your Financial House©. You can find out more about that process here. Then you can live confidently knowing you have a plan that is guiding you towards your specific dreams and goals.

Please send me an email here or give me a call at (205) 989-3498. I would enjoy talking with you.
Review your 401k video image
Greg Powell, CIMA
President/CEO
Wealth Consultant
Email Greg here

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Greg Powell is President and CEO of fi-Plan Partners, an independent investment firm in Birmingham, AL, serving clients across the nation through financial planning, wealth management and business consulting. fi-Plan Partners creates strategies in the best interest of their clients using both fee based investing and transactional investing.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

Jul 022014
 

Inflation vs Deflation

Investors need to have a good understanding of inflation vs deflation because each can impact investments in different ways. Here are two simple definitions to help you better understand inflation vs deflation.

Inflation is prices going up

There are two causes of inflation:

  1. When there is little supply but a lot of demand
  2. Where costs go up for a business so they charge more for the product or service

(More in the video)

Deflation is prices going down but no one is purchasing

When companies keep lowering their prices but no one is buy their goods, they begin to lay people off. That is called a deflationary spiral.

If you have any questions regarding inflation vs. deflation and how it might affect you, please call me or send me a comment below. Also, if are any investing terms that you would like to know more about, please send them to me in the comment section below.

Franklin Bradford, CMT
Senior Vice President
Wealth Consultant

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Franklin Bradford is a Chartered Market Technician and part of the Portfolio Strategies Team at fi-Plan Partners, an independent investment firm in Birmingham, AL, serving clients across the nation through financial planning, wealth management and business consulting. fi-Plan Partners creates strategies in the best interest of their clients using both fee based investing and transactional investing.
inflation vs deflation definitions