Historically, market bottoms have often occurred when the S&P has fallen 3 standard deviations or more below the average on the weekly measure. While May 2nd showed us the lowest low since the January 4th top, the current 119-day long decline in the S&P 500 has not yet pulled it three standard deviations south of the average on our weekly chart.
Our analysts work closely with our senior case design analysts and life insurance producers helping develop sophisticated product solutions to meet a client’s unique needs. This includes evaluating financial material, utilizing carrier-specific illustration software, and generating illustrations and marketing material for the design and re-evaluation of estate, wealth transfer, and business succession plans.
Our client service analysts support in the delivery of effective and efficient life insurance policy/plan administration to Thomas Financial Clients, providing a high-touch and memorable experience.
To add or not to add (risk)? We look at the benchmark’s statistical deviation from its mean in order to determine whether to add or to reduce risk. Having arrived at what is, for all intents and purposes, full employment, the Fed has unsurprisingly begun tapping the breaks by raising rates and addressing the size of its balance sheet.
With employer-sponsored healthcare costs expected to rise 7.6% in 2022, employee benefits are a significant investment for any size company. Thomas Financial is dedicated to saving employers time and money, while improving the benefits experience for their employees. Does your benefits advisor provide you with a comprehensive set of cost-controlling options? Check out our Top 5 Pro Tips to keep costs down.
When the market is down, liquidating protective hedges that have increased in value in exchange for less expensive ones is an action that both generates cash and simulates buying additional shares at lower prices. This can make a “spring-loaded” rebound possible while simultaneously producing distributable income to clients without selling shares. For our ZENdex portfolios, this is the picture of opportunity.
Prince Died in 2016 Without a Will or Estate Plan. After six years, the IRS and the estate’s administrators finally agreed to an estate value of $156.4 million. An estate the size of Prince’s could incur up to $84.9 million in estate taxes, due within nine months of the final valuation. Life insurance is a cost-effective and efficient way to fund estate tax obligations for pennies on the dollar. If properly structured, the life insurance death benefit will not be subject to income tax or estate tax.
Historically, taming inflation has increased the risk of recession. In this dance in which the Federal Reserve tries to keep workers employed but with wages whose buying power isn’t destroyed by inflation, those in control of monetary policy cannot afford to have two left feet. We invite you to call us to discuss how this data informs our strategy and how a ZENdex Portfolio could be a powerful addition to your overall investment mix.
Holistic financial planning is an ongoing process, defined and directed by your personal and financial needs and goals, as well as your values. We believe that by taking the time to identify your objectives, you are more likely to develop a sound and workable financial plan, which will enable you to achieve your most important aspirations in the future.
At 7%, inflation is still running hot. Now the Fed is poised to raise short-term interest rates and shrink its balance sheet – both are actions that “tap the brakes” on economic growth. We invite you to call us to discuss how this data informs our strategy and how a ZENdex Portfolio could be a powerful addition to your overall investment mix.
The coaching carousel has never spun faster as we head into the College Football Bowl and Championship season. The recruiting and retention of coaches have been under full public display, particularly at some of the highest-profile athletic programs. So how do powerhouse universities recruit and retain top-tier coaches? Increasingly, it includes split-dollar life insurance as a key part of their compensation package.
We invite you to call us to discuss how this data informs our strategy and how a ZENdex Portfolio could be a powerful addition to your overall investment mix. We weigh the data below heavily when developing our portfolio strategy, in which we aim to maximize the relationship between performance and protection while minimizing taxation.
We can fear it, or we can embrace it. A down market can be unsettling. Taking distributions during a decline can cause long-term damage to your portfolio, especially later in life. A downturn can also be an opportunity if your portfolio is designed to capture it.
Wed. November 17 | 10am PT Asset protection is commonly used to mitigate the effects of future creditors, lawsuits, and other liabilities. Jay Adkisson, attorney and Managing Partner of Adkisson Pitet LLP, explores current planning trends and how life insurance can be an effective asset protection tool when used within trusts and advanced estate planning […]
Wed. November 11 | 10am PT Proposed changes to tax legislation could have significant market and economic impacts. In this special legislative session, Washington insider Andy Friedman discusses what proposed tax changes could mean for retirement investors and small business owners, and offer insights for year-end planning.
Wed. September 29 | 10am PT Ella Chase, co-founder of Wellth Works and a sixth-generation inheritor within a family enterprise, uniquely understands the advisor-client relationship for HNW women. Ella will discuss tactical tools to improve advisor relationships with clients and their family members so that advisors can “stick with the family,” and she’ll address and […]
Wed. August 18 | 10am PT Join sociologist and author Dr. Tracy Brower for an engaging discussion about the future of work, leadership, and engagement and how to best motivate ourselves and employees. Dr. Brower will cover new research, surprising insights, and pragmatic approaches to cultivate and sustain resilience and success through the continuous changes […]
Anyone who has done business with Thomas Financial knows Chief Operating Officer Leslie Darrigo as a fierce client advocate from the underwriting process until the final claim is paid. In recognition of her 37 years of service excellence with Thomas Financial, we are proud to announce her appointment as a Principal and Equity Partner.
Wed. June 23 | 10am PT Andy Friedman is known for his unique insight and analysis of the political landscape and prospective legislation. He will share his views on proposed tax changes and what this could mean for all facets of the financial industry.
Wed. April 15 | 10am PT Paul Sullivan writes the Wealth Matters column for The New York Times covering issues from private banking and wealth management to philanthropy and inheritance. His articles have appeared in publications such as Fortune, Money, and The Financial Times.
Wed. March 18 | 10am PT Join renowned political scientist Ian Bremmer for a trip around the world in 20 minutes. Ian unpacks the geopolitical landscape and its impact on the U.S. economy, climate issues, cybersecurity, and more. He shares why we should feel optimistic about the post-pandemic recovery, as well as the principal global […]
Wed. February 24 | 10am PT Jonathan Godsall provides data-driven insights into how the insurance industry is adapting to meet the expectations of the client of the future. Watch the replay to hear more about the trends reshaping the industry, the changing needs of consumers, and the importance of expanded and enhanced digital capabilities.
Wed. February 17 | 10am PT Andy Friedman provides a comprehensive review of the new Washington landscape and its potential effects on taxes and investing.
Wed. January 27 | 10:00 am PT Dr. Paulo Pinho looks at why COVID-19 has caused challenges finding coverage for jumbo cases and older clients. Dr. Pinho discusses co-morbid conditions and how they exacerbate COVID-19, how reinsurers view COVID-19, the keys to success for the vaccines, and what has to happen before things return to […]
Wed. October 28 | 10:00 am PT Kedra Newsom of Boston Consulting Group engaged the M Community in a robust discussion about women’s wealth and the complex needs of HNW and UHNW women. She shared specific strategies for advisors in this market and how the industry is changing to better reach this audience.
Wed. October 7 | 10:00 am PT M Financial was honored to welcome Paul Ryan, former Speaker of the U.S. House of Representatives, as our fall Future of Insurance keynote speaker. From his two decades in office to the founding of the nonprofit American Idea Foundation, Paul Ryan’s career has focused on public policy and […]
Wed. September 23 | 10:00 am PT Henry Wong & Tod Nasser – John Hancock & Pacific Life Wondering how the current state of the economy and capital markets are impacting carrier portfolios and investments, and what that means for new business? Tod Nasser of Pacific Life and Henry Wong from John Hancock engaged in a panel discussion […]
Wed. September 9 | 10:00 am PT Don Delf, Private Wealth Advisory Leader for PwC US, brought his legacy and expertise in private wealth to answer the trillion-dollar question: What’s top of mind for business owners and family offices heading into elections and uncertainty? Don also explored how elasticity of exemptions is critical in the […]
Wed. August 12 | 10:00 am PT Multi-Impact Asset Management in the Current Economy Tony Arnerich explored current trends related to ESG (environmental, social, governance) investing, intentional investing, and wealth transfer to the next generation. He demonstrated how the pandemic has created opportunities for environmentally and socially responsible investing and the implications to your clients’ […]
Wed. July 29 | 10:00 am PT Investing in the Wake of a Pandemic Scott Clemons, Chief Investment Strategist for Brown Brothers Harriman, examined the data around the pandemic’s effects on the economy. He also discussed the impact for insurance companies managing large amounts of money, what it means for your clients’ portfolios, and the […]
Wed. July 15 | 10:00 am PT Our Global Economy in the Post-Pandemic World KEYNOTE SPEAKER: Zanny Minton Beddoes – The Economist Named one of the Most Powerful Women in the World by Forbes, Zanny Minton Beddoes is a leading voice at the intersection of economics and policy. Known for delivering sophisticated insight on all facets of […]
Wed. June 24 | 12:30 PT COVID = Accelerant for Change AALU/GAMA’s Marc Cadin and Armstrong Robinson examined developing political trends and what financial professionals should expect through election day. They also explored the long-term impact of recent regulatory and legislative actions and identified the top opportunities and threats these regulations will generate for financial […]
Wed. June 17 | 11:00 am PT What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current What do your HNW clients and key advisors need to know about how the reinsurance sector is responding to current market conditions? Marc-Andre Giguere discussed possible ripple effects […]
Wed. June 3 | 10:00 am PT Beyond COVID 19 – How the insurance industry will reimagine their business. Doug French, Ernst & Young’s Managing Principal of Insurance & Actuarial Services, examined the current economic disruption, its impact on the global insurance marketplace, and the effects on wealth transfer for the UHNW client, followed by […]
Wed. June 3 | 10:00 am PT Outlook for the U.S. Life Insurance Industry After COVID-19 Colin Devine, Principal of C. Devine & Associates, examined the current status of the U.S. life insurance industry and how life insurers are doing amid COVID-19. Colin offers deep insights into what to expect in the coming months, the new […]
Wed. May 6 | 10:00 am PT Of the Moment Market Outlook Dr. Quincy Krosby, Prudential’s Chief Market Strategist, discussed how the pandemic is impacting financial markets and the overall economy. Dr. Krosby explored the recent and rapid shift in consumer behavior and the emergence of new technologies for navigating the current landscape, and she […]
Wed. April 22 | 9:30 am PT An Overview of the Political Environment, Prospective Legislation, and Strategies for Investment and Retirement Planning Jeff Bush and Andy Friedman have collaborated on a 2020 presentation that addresses all of the issues brought about by the recent coronavirus pandemic. In his April 22 presentation, Jeff explored the details […]
The U.S. economy continued to move in a positive direction over the first quarter…
Thomas Financial, one of the nation’s leading providers of insurance solutions…
The US economy followed a relatively static Q4 2015 with an equally static Q1 2016…
The Tampa Connection recently presented Thomas Financial Principal Joel Stephens with its 2016 Betty Tribble Citizen of the Year award…
The 2nd quarter was anything but dull for the US and Global stock markets…
Presidential Leadership: Why It Is Different and Why It Matters the Most…
The U.S. economy continued to move in a positive direction in Q3 2016
The U.S. economy continued to add jobs in Q4 2016