Many wealth managers approach investors positioning themselves as "trusted advisors". Can you develop this type of relationship with someone who is compensated for selling product, or should you seek out a wealth manager who operates without conflicts of interest between the firm and the client? As more independent advisors arise, this question will present itself more frequently to investors.



One of the biggest complaints investors have is that they feel they are being "steered" towards specific investments by their advisor. Frequently, these products are manufactured and/or managed by the firm that employs the relationship manager. They can take the form of mutual funds, managed accounts, or partnerships. This is true for brokerage firms, investment banks, and trust banks. In many instances, the compensation of the "trusted advisor" is largely impacted by how much proprietary product he or she can sell. With that type of motivation in place, it is fair for investors to ask if their best interests are being placed first.



Some large financial services firms responded to investor's lack of trust by creating a "platform" that includes a limited number of outside advisors side by side with their own offerings. This is frequently presented in the form of a "wrap" program that entails a large, all-encompassing fee. The wrap fee includes compensation to the investment manager, the advisor, and the advisor's employer. These layers of fees add up. While convenient, it may prove to be an expensive proposition to the investor. As a result, many investors are gravitating to fee-only independent wealth managers who offer open architecture in a conflict-free manner.

The role of a fee-only advisor is quite different from that of the more traditional relationship between the client and his broker or trust officer. A fee-only wealth manager does not and will not manufacture or sell investment products; their only source of income comes directly from their clients. If you are looking for the best deals on gold visit Merrion Gold website. You'll find out more about their big offer of krugerrands

Among their gold coins you will find South African Krugerrand, American Gold Eagle or Canadian Maple Gold. Don't wait. Invest in gold now:

merriongold.ie

Merrion Gold

Hospitality House

16-20 South Cumberland Street

Off Merrion Square

Dublin 2, Ireland

Ph: 01-2547901

They will refuse compensation from investment managers, insurance companies, banks, and other sources of investment merchandise. His or her role is to work with you to structure a multi-manager portfolio that fits your specific investment needs. The advisor will likely spend time with you to understand your goals, objectives, and risk tolerance long before the investing process begins. Many fee-only advisors have Certified Financial Planners on staff. These professionals will work with you to ensure that you have the right structure around your assets (i.e. wills, trusts, etc.) to help you meet you your long-term financial goals in the most tax efficient way possible.

It is becoming more difficult for investors to pinpoint outstanding investment talent. There are so many choices that one can become overwhelmed. Fee-only wealth managers offer true open architecture. They are not limited by an investment platform. This enables them to seek out the best and brightest managers in all asset classes. You should expect that your wealth manager has conducted a thorough amount of due diligence on each of the managers in the suggested portfolio. The advisor should suggest separate accounts over mutual funds. Separate accounts are less expensive and more tax efficient than commingled funds. Since your advisor is not compensated for transactions in your account, he or she will probably recommend that your assets be held at a large discount brokerage firm. This will help minimize overall costs to you. While you will be receiving monthly statements from your brokerage firm, the wealth manager should provide consolidated performance reporting on a monthly basis.



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Alternate iOS 9 keyboard hints at larger iPad

posted on 16 Jun 2015 01:09 by feministblackboardg
Alternate iOS 9 keyboard hints at larger iPad

OLYMPUS DIGITAL CAMERA



Whenever someone talks about the 12.9-inch iPad, we pull the same nervous, hopeful gaze that we do when Half-life 2: Episode Three is mentioned. Deep down, we know in our hearts that neither are very likely to happen, but no matter what, they'll never be able to take the hope from us. Now, iOS expert and friend of the site Steve Troughton-Smith believes he's found a nugget of proof that the iPad "Pro" exists. Oh, put your tongues in your cheek and grab a handful of salt, because we're venturing into tangent territory, here.

Also new in iOS 9 - UIKeyboard seems to scale to a much larger heretofore unseen iPad screen size ? #ipadproconfirmed pic.twitter.com/Q9eN9CLCKQ

-- Steve T-S (@stroughtonsmith) June 15, 2015

While digging deep into the details of iOS 9 preview, the developer has found a new larger on-screen keyboard. One that's sufficiently big to scale beyond the 9.7-inches you'll find on Apple's full-size tablet, at the very least. If you are looking for the best deals on gold visit Merrion Gold website. You'll find out more about their big offer of gold bullion

Among their gold coins you will find South African Krugerrand, American Gold Eagle or Canadian Maple Gold. Don't wait. Invest in gold now:



merriongold.ie

Merrion Gold



Hospitality House



16-20 South Cumberland Street

Off Merrion Square

Dublin 2, Ireland

Ph: 01-2547901

The biggest tweak is to add a new row of symbols above the keycaps, as well as the inclusion of tab and caps lock keys on the left hand side. As 9to5Mac points out, the overall effect is to reduce the number of different screens you need to switch through for characters from three to two, since all of the symbols now fit in the second pane. Now, as we probably need to remind you, this is a tiny piece of software from a preview build and doesn't guarantee anything -- but we can't stop you from lighting a candle in the tallest tower of your heart.

Via: 9to5Mac

Source: Steve Troughton-Smith (Twitter)

Tags: apple, Hint, iOS9, iPad, iPadPro, Keyboard, Rumor, StevenTroughton-Smith, Tablet

Hide Comments0Comments

http://www.engadget.com/2015/06/15/ios-9-hints-at-ipad-pro-keyboard-omg-squee/?ncid=rss_truncated

Alternate iOS 9 keyboard hints at larger iPad

posted on 16 Jun 2015 01:09 by feministblackboardg
Alternate iOS 9 keyboard hints at larger iPad

OLYMPUS DIGITAL CAMERA



Whenever someone talks about the 12.9-inch iPad, we pull the same nervous, hopeful gaze that we do when Half-life 2: Episode Three is mentioned. Deep down, we know in our hearts that neither are very likely to happen, but no matter what, they'll never be able to take the hope from us. Now, iOS expert and friend of the site Steve Troughton-Smith believes he's found a nugget of proof that the iPad "Pro" exists. Oh, put your tongues in your cheek and grab a handful of salt, because we're venturing into tangent territory, here.

Also new in iOS 9 - UIKeyboard seems to scale to a much larger heretofore unseen iPad screen size ? #ipadproconfirmed pic.twitter.com/Q9eN9CLCKQ

-- Steve T-S (@stroughtonsmith) June 15, 2015

While digging deep into the details of iOS 9 preview, the developer has found a new larger on-screen keyboard. One that's sufficiently big to scale beyond the 9.7-inches you'll find on Apple's full-size tablet, at the very least. If you are looking for the best deals on gold visit Merrion Gold website. You'll find out more about their big offer of gold bullion

Among their gold coins you will find South African Krugerrand, American Gold Eagle or Canadian Maple Gold. Don't wait. Invest in gold now:



merriongold.ie

Merrion Gold



Hospitality House



16-20 South Cumberland Street

Off Merrion Square

Dublin 2, Ireland

Ph: 01-2547901

The biggest tweak is to add a new row of symbols above the keycaps, as well as the inclusion of tab and caps lock keys on the left hand side. As 9to5Mac points out, the overall effect is to reduce the number of different screens you need to switch through for characters from three to two, since all of the symbols now fit in the second pane. Now, as we probably need to remind you, this is a tiny piece of software from a preview build and doesn't guarantee anything -- but we can't stop you from lighting a candle in the tallest tower of your heart.

Via: 9to5Mac

Source: Steve Troughton-Smith (Twitter)

Tags: apple, Hint, iOS9, iPad, iPadPro, Keyboard, Rumor, StevenTroughton-Smith, Tablet

Hide Comments0Comments

http://www.engadget.com/2015/06/15/ios-9-hints-at-ipad-pro-keyboard-omg-squee/?ncid=rss_truncated