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Retirement Planning Handbook

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Click here to register for our next event, "Investment Planning: From Growth to Income".

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Click here or click the image above to download a copy of our retirement planning handbook.

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Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL 35243

www.meldfinancial.com

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Securities offered through Triad Advisors, LLC . Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Citations.

1 - fool.com/retirement/2018/01/02/lifetime-income-retirees-need-it-and-heres-how-to.aspx [1/2/18]

2 - ssa.gov/planners/retire/r&m6.html [1/25/18]

3 - cbsnews.com/news/the-top-retirement-decisions-facing-older-workers/ [1/25/18]

4 - nber.org/papers/w24226.pdf [1/18]

5 - ssa.gov/planners/taxes.html [1/25/18]

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Weekly Economic Update - 4/15/29

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

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Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Tip
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Life insurance is not solely for people with spouses and kids. If you are a caregiver to an ill parent, have significant debt, or simply wish to avoid having others pay for your funeral, life insurance coverage could prove very important in the event of your passing.

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Weekly Quote
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“To fly we have to have resistance.”

-Maya Lin

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Weekly Riddle
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Name two English words (longer than two letters) that both begin and end with the letters “he” (in that order).

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Last Week's Riddle
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What is the timepiece with the most moving parts? (It has been around for centuries.)

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Last week's answer:
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The hourglass.

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THE WEEK ON WALL STREET

Stocks broke out of a narrow range on Friday following news that two major banks grew their bottom line in the first quarter. For the week, the S&P 500 rose 0.79%; the Nasdaq Composite, 0.91%. The Dow Jones Industrial Average improved 0.50%. Turning to overseas stocks, the MSCI EAFE index declined 0.09%.1-4

The market spent much of the week in a lull as investors waited for earnings season to begin. Wall Street is paying close attention to both guidance and profit margins.

Big Banks Post Solid Results

Friday, Wells Fargo and JPMorgan Chase both reported Q1 profit growth, and JPMorgan Chase announced record revenue.5

This was welcomed news. Analysts have tempered some of their expectations entering this earnings season, recognizing that slowing global growth, tariffs, and dollar strength may be affecting corporate profits. (The dollar rallied 6.2% in Q1.)6

[Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities.]

Inflation Picks Up

The Consumer Price Index rose 0.4% in March, the most in 14 months. This matched the consensus forecast of economists polled by MarketWatch, who believed rising gas prices would affect the number.

Even with this March jump, annual inflation remained relatively tame at 1.9%.7

What’s Ahead

Note that U.S. stock and bond markets will be closed on Good Friday (April 19).

THE WEEK AHEAD: KEY ECONOMIC DATA

Thursday: March retail sales.

Friday: March housing starts and building permits.

Source: Econoday / MarketWatch Calendar, April 12, 2019

The content is developed from sources believed to be providing accurate information. The forecasts or forward-looking statements are based on assumptions and may not materialize. The forecasts also are subject to revision. The release of data may be delayed without notice for a variety of reasons.

THE WEEK AHEAD: COMPANIES REPORTING EARNINGS

Monday: Citigroup (C), Goldman Sachs (GS)

Tuesday: Bank of America (BAC), BlackRock (BLK), Comerica (CMA), IBM (IBM), Johnson & Johnson (JNJ), Netflix (NFLX), UnitedHealth Group (UNH)

Wednesday: Abbott Labs (ABT), Alcoa (AA), Bank of New York Mellon (BNY), Morgan Stanley (MS), PepsiCo (PEP), U.S. Bancorp (USB), United Rentals (URI)

Thursday: American Express (AMEX), Honeywell (HON), Manpower (MAN), Philip Morris (PM), Schlumberger (SLB), Travelers Companies (TRV), Union Pacific (UNP).

Source: Morningstar.com, April 12, 2019.

Companies mentioned are for informational purposes only. It should not be considered a solicitation for the purchase or sale of the securities. Any investment should be consistent with your objectives, time frame, and risk tolerance. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost. Companies may reschedule when they report earnings without notice.

weekly economic update chart

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

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Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

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Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

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This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

CITATIONS:

1 - quotes.wsj.com/index/SPX [4/12/19]

2 - quotes.wsj.com/index/DJIA [4/12/19]

3 - quotes.wsj.com/index/COMP [4/12/19]

4 - quotes.wsj.com/index/XX/990300/historical-prices [4/12/19]

5 - cnn.com/2019/04/12/investing/wells-fargo-bank-earnings/index.html [4/12/19]

6 - tinyurl.com/y45wuftu [4/12/19]

7 - marketwatch.com/story/higher-gas-prices-boost-cost-of-living-in-march-but-inflation-still-soft-cpi-shows-2019-04-10 [4/10/19]

CHART CITATIONS:

quotes.wsj.com/index/SPX [4/12/19]

quotes.wsj.com/index/DJIA [4/12/19]

quotes.wsj.com/index/COMP [4/12/19]

quotes.wsj.com/index/XX/990300/historical-prices [4/12/19]

markets.wsj.com [4/12/19]

treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield [4/12/19]

treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yieldAll [4/12/19]

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5 Characteristics of a Quality Wealth Manager

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Don’t hire a wealth manager without these qualities.

Provided by Meld University

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, May 14th at Greystone Golf & Country Club, Founder’s Clubhouse. There is no cost to register, but seating is limited.

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We spend our entire lives trying to build wealth. We accumulate a pool of funds and investments that allows our children to go to college, enables our families to travel the world, and prepares us to finally retire with confidence.

But it’s not enough to save, socking money away and earning bare-minimum interest. You and your financial future are best served by managing your hard-earned dollars in such a way to ensure every financial goal you have becomes a financial reality.

For that, you need an extensive financial education, or in most cases a wealth manager. But not just any wealth manager will do. You need one who will make the most of your investments without playing fast and loose with your money. There are a lot of options out there, so how do you separate the good from the not-so-good?

To help, we’ve pulled together our list of the top qualities to look for in a wealth manager, starting with...

Integrity

Integrity in the world of wealth management boils down to a commitment to do what’s best for clients, no matter what.

In many cases, wealth managers are compensated based on how much money they bring in to a firm — their so-called assets under management. That means it’s in their best interests to sell their services to a broad range of clients, regardless of whether or not they can serve them or serve them well. It also means you’ve got to be highly selective in who you choose to manage your money.

There are certain designations in the financial planning world that come with fiduciary responsibilities, such as the CERTIFIED FINANCIAL PLANNER™ designation. A CFP® is a good place to start because they are bound to certain ethical standards that ensure your interests are put first. But, a big part of determining integrity happens during your initial conversations. For example, does the wealth manager ask detailed questions about you and your goals? If the answer is “yes,” there’s a good chance you’ve found a wealth manager with integrity.

Situational Awareness

While we all want to increase our wealth, designing effective investment strategies involves more than just figuring out what vehicles will make you the most money as fast as possible.

Good wealth managers will take stock of your financial past, present and future. They will assess your financial goals and risk tolerance, and they will design a plan that gets you where you want to go, incurring as little risk as possible. They will also evaluate your tax situation and retirement accounts to make sure you are strategy is optimizing your potential gains while minimizing your tax liability and other expenses.

In the world at large, they call that situational awareness. At Meld Financial, we apply situational awareness with our knowledge of investing to build a comprehensive wealth management plan. A large part of this process is our proprietary program called Situational Investing. Over the years, it has become core to how we work with our clients to help them achieve financial success.

Investing Experience

Anyone can research the value of different vehicles and develop an opinion on what works best in a given financial situation. But you don’t really know until you’ve been there. That’s why you want a wealth manager with experience.

The past decade has been an interesting one in the world of wealth management. We’ve seen lows in the markets, followed by a strong recovery that has restored our faith in the financial system, albeit slowly. And it’s brought to light the critical importance of having a seasoned wealth manager by your side.

It’s easy to make someone money when things are going well. But what happens when things start to shift? That’s when experience becomes paramount in the world of wealth management. An experienced wealth manager will know when to invest and when to seek protection for those investments.

Financial Knowledge

With that experience comes knowledge, which is vital to the wealth management process. There are countless ways for you to invest your money, with varying rates of return and levels of financial commitment. Good wealth managers invest their time to understand which investments are right for your specific situation. That involves continuing education, of course, but also research and analysis.

And in the best-case scenario, that pursuit of knowledge is fueled by passion and a commitment to making each client’s goals a financial reality.

A Team of Financial Professionals

Finding a good wealth manager is important. More important is finding a good wealth manager who’s part of an incredible team of financial professionals. After all, wealth management is a comprehensive service. To get your money’s worth, your wealth manager should have a team of experienced and capable advisors well-versed in everything from financial planning and tax planning, to estate and retirement planning.

With a strong team behind them, wealth managers can provide a comprehensive financial plan and get all aspects of your financial life aligned around a strategy for long-term success.

The right wealth manager for you is out there. To find him or her, you’ve got to know what you’re looking for. This list should set you on the right track.

Want to learn more about the team at Meld Financial and how we can help you achieve your financial goals? Click here to schedule a meeting that will kickstart a strong relationship and secure your financial future. If you’d rather take some time to learn on your own, visit our Meld University home page.

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Click here to register for our next event, "Investment Planning: From Growth to Income".

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Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL 35243

www.meldfinancial.com

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Securities offered through Triad Advisors, LLC . Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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