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Henssler Financial Radio

Tune into "Money Talks," Saturdays from 10-11 a.m.
on Atlanta's AM 920 The Answer.

Monday
Dec112017

Money Talks – December 9, 2017

This week on “Money Talks” Troy Harmon, CFA, CVA, covers the market news, including Technology’s current run, the ISM Manufacturing and Services indices, Factory Orders, and International Trade with managing Associate Shawna Theriault, C.P.A., CFP®, CDFA®. Later in the show, Shawna is joined by Principal Jennifer Thomas, CFP®, when they interview Shari Martin, Executive Director of The Cobb Community Foundation. They discuss what the Cobb Community Foundation does, including sponsoring donor advised funds for philanthropic families and organizations. Shawna and Troy round out the show with a listener’s question on web hosting service provider GoDaddy, Inc. 

  

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Monday
Dec112017

Interview: Shari Martin, Executive Director of the Cobb Community Foundation

Principal Jennifer Thomas, CFP®, and Managing Associate Shawna Theriault, C.P.A., CFP®, CDFA®, interview Shari Martin, Executive Director of The Cobb Community Foundation. They discuss how Cobb Community Foundation sponsors donor advised funds for philanthropic families and organizations. Additionally, they discuss the Cobb Community Impact Grant as well as the other types of charitable funds they sponsor.

 

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Monday
Dec112017

Financial Strategy: Donor-Advised Funds

If you are committed to significant charitable gifts, a donor-advised fund is a low-hassle way for individuals and community groups and businesses to establish a planned giving program.

 

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Monday
Dec112017

Market Roundup: Week of Mixed Returns Ends with New Record Highs

The week began on a mixed note with the Dow Jones Industrial Average gaining while the S&P 500 index was off a few points. Indices closed in the red zone on Tuesday, when early market momentum faded during afternoon trading. In economic news, the Census Bureau reported that the international trade deficit increased $3.8 billion to $48.7 billion in October over September. The October increase in the goods and services deficit reflected an increase in the goods deficit of $3.8 billion to $69.1 billion and a decrease in the services surplus of less than $0.1 billion to $20.3 billion. Additionally, the ISM Non-Manufacturing index dipped from 60.1 in October to 57.4 for November. Markets were again mixed on Wednesday, this time with both the Dow and S&P closing in the red while the NASDAQ posted slight gains on a rebound the Technology sector. However, gains in the Technology sector failed to offset losses in the Energy sector. West Texas Intermediate crude oil shed 2.9% today after Energy Information Administration data showed crude-oil inventories fell by 5.6 million barrels in the last week, which was more than expected. Indices closed with gains on Thursday and bounced again on Friday, closing at new record highs. A stronger than expected jobs report may have helped push the Dow and S&P 500 to positive territory. Department of Labor figures showed U.S. employers added 228,000 jobs in November. The results exceeded estimates of 190,000. Additionally, consumer confidence is on the wane for December, as the University of Michigan's consumer sentiment index’s preliminary reading fell to 96.8 from 98.5 in November. Economists were expecting a jump to 99.

 

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Monday
Dec112017

Q&A Time: GoDaddy, Inc.

Shawna Theriault, C.P.A., CFP®, CDFA®, and Troy Harmon, CFA, CVA, round out the show with a listener’s question on web hosting service provider GoDaddy, Inc. 

 

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Monday
Dec042017

Money Talks - December 2, 2017

This week on “Money Talks,” Bil Lako, CFP®, and Troy Harmon, CFA, CVA, are joined by insurance expert Jim Crone, CLU®, CFS®, to discuss the week’s market movements, market dips and corrections, as well as the yield curve in Treasurys. Jim brings to the table a case study of a couple who need insurance for protection purposes, but they are being offered a policy that is trying to accomplish too many goals and contains too many features. Jim explains that going back to the financial plan to determine the insurance need is the best strategy. The experts round out the show with listeners’ questions on annuity retirement income and disability insurance riders. They also provide advice for an inherited 401(k), discuss the rally in Bitcoin, and give their opinions on stocks Whirlpool and Sleep Number.

  

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Monday
Dec042017

Case Study: Consider Your Plan Before Customizing Your Insurance 

Bil Lako, CFP®, and Troy Harmon, CFA, CVA, are joined by insurance expert Jim Crone, CLU®, CFS®, to discuss a case study of a couple who need insurance for protection purposes, but they are being offered a policy that is trying to accomplish too many goals and contains too many features. Jim explains that going back to the financial plan to determine the insurance need is the best strategy.

 

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Monday
Dec042017

Market Roundup: Equities Surged During Week Until Friday’s Abrupt Decline 

The indices kicked off the week with mixed action as the Dow Jones Industrial Average posted gains while the S&P 500 Index and NASDAQ dipped on a variety of economic news. New-home sales ticked up in October with sales rising 6.2% from the revised September rate and increased 18.7% from October 2016. New record levels were hit on Tuesday, as stocks stepped up on progress in the GOP tax bill. Reports that the Senate was close to passing a tax reform bill likely increased investor confidence.  Meanwhile, The Conference Board’s Consumer Confidence was up in November, climbing to 129.5, from 125.9 in October. Furthermore, the trade gap increased at a faster rate than expected in October, as data showed the deficit hit $68.3 billion last month, following a reading of $64.1 billion in September. The Dow closed at a new record peak on Wednesday with Financial shares leading advancers and Technology stocks sold off. Meanwhile, the NASDAQ and S&P 500 shed points. In a new estimate, third quarter U.S. GDP was revised up to 3.3% from the prior estimate of 3.0%. The result exceeded an expected upward revision to 3.2%. On separate note, the Federal Reserve’s Beige Book, which covers economic activity in October through mid-November, showed the economy expanded at a modest-to-moderate pace in all 12 districts. Good news continued Thursday with the Dow closing above 24,000 for the first time and the S&P 500 climbed to a new record level. Technology brands rebounded from Wednesday's dip. Meanwhile, crude oil prices ticked up on OPEC news that the organization and other oil-producing nations have agreed to extend a production cut agreement through to the end of 2018. Despite the record highs during the week, indices dipped on Friday. Stocks rebounded up off session lows, but not enough to escape the red zone for the day. Technology brands sold off while Energy stocks ticked up on a jump in crude oil prices. In the week’s last economic report, the ISM manufacturing index fell from 58.7 in October to 58.2 in November, versus expectations of a lesser drop to 58.4.

 

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Monday
Dec042017

Q&A Time: Insurance Coverage, Inherited 401(k) and Bitcoin Rally

The “Money Talks” hosts address listeners’ questions on annuity retirement income and disability insurance riders. They also provide advice for an inherited 401(k), discuss the rally in Bitcoin, and give their opinions on stocks Whirlpool and Sleep Number.

 

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Monday
Nov202017

Money Talks – November 18, 2017

This week on “Money Talks,” Principal Jennifer Thomas, CFP®, and Managing Associate K.C. Smith, CFP®, join Chief Investment Officer Troy Harmon, CFA, CVA, to discuss the market’s reaction to Congress’ progress on tax reform and whether there is anything in the fundamentals of the market to indicate a pullback may be coming. The experts discuss investors who hold on to a stock because they don’t want to pay taxes on the gains or they don’t want to recognize the loss. They look at GE as a current example, and how a concentrated position can be detrimental to your overall portfolio. They also go in-depth on a listener’s question on an automaker’s claim that the majority of passenger vehicles will be electric by 2023 and how investors can parlay that into an electrical utility play.

  

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Monday
Nov202017

Case Study: A Concentrated Position Can Be Detrimental to Your Portfolio

Principal Jennifer Thomas, CFP®, and Managing Associate K.C. Smith, CFP®, join Chief Investment Officer Troy Harmon, CFA, CVA, to discuss investors who hold on to a concentrated stock position because they don’t want to pay taxes on the gains. They look at General Electric as a current example, and how a concentrated position can be detrimental to your overall portfolio.

 

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Monday
Nov202017

Market Roundup: Mixed Returns on Slipping Energy Prices

Last week was a mixed bag of returns as the Large Caps of the Dow Jones Industrial Average and S&P 500 lost value for a second consecutive week, while the tech-heavy NASDAQ posted gains. The market kicked off the week Monday with slight gains led by Consumer Discretionary sector stocks on a variety of economic news and strong sales numbers. Indices ended the trading day in red territory on Tuesday, pulled down by the Energy and Basic Materials sectors. In economic news, producer prices ticked up in October, as The Producer Price Index jumped up 0.4%, exceeding expectations of a 0.1% increase. Over the past 12 months ending in October, producer prices are up 2.8%, marking the largest rise since an advance of 2.8% for the 12 months ending February 2012. Midweek, the major indices were down again as Energy sector stocks traded lower on a slip in crude oil prices. Additionally, Energy Information Administration figures showed crude inventories increased by 1.9 million barrels last week versus expectations of a one million barrel decrease. While producer prices have risen, that increase hasn't been reflected in consumer prices yet. For October, consumer prices rose a scant 0.1%, according to the Consumer Price Index. Core prices, which excludes food and energy, increased 0.2% for the month. Indices increased on Thursday on news that the labor market is in good health. The advance number for unemployment insurance benefit claims during the week ended November 4 was 1,860,000, a decrease of 44,000 from the previous week's level. This is the lowest level for insured unemployment since Dec. 29, 1973, when it was 1,805,000. Indices lost ground on Friday, bringing both the Dow and S&P 500 into negative territory for the week. The NASDAQ eked out slight gains for the week.

 

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Monday
Nov202017

Q&A Time: Electric Utility Play for Electric Vehicles

Our experts take an in-depth look into a listener’s question on an automaker’s claim that the majority of passenger vehicles will be electric by 2023 and how investors can parlay that into an electrical utility play.

 

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Monday
Nov132017

Money Talks - November 11, 2017

This week on “Money Talks,” Troy Harmon, CFA, CVA, is joined by Managing Associate D.J. Barker, CWS®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss the breather the market took this week from the steady rally of the past month. They discuss why the market looks expensive and what investors can do for their portfolios. D.J. and Jarrett discuss a common financial planning situation where a family is concerned about protecting assets from an heir’s future ex-spouse. The experts round out the show answering listener questions on injecting money into the economy; tax loss selling Under Armour, Kroger, and Allergan; and an investor who wants to pause on his retirement savings.

  

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Monday
Nov132017

Case Study: Keeping Family Assets Away from a Future Ex-Spouse

Troy Harmon, CFA, CVA, is joined by Managing Associate D.J. Barker, CWS®, and Senior Associate Jarrett McKenzie, CFP®, CWS®, to discuss a common financial planning situation where a family is concerned about protecting assets from an heir’s future ex-spouse.

 

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Monday
Nov132017

Market Roundup: Run of Consecutive Weekly Positive Returns Ends 

Indices landed in new record territory on Monday, as Energy stocks ramped up on an increase in crude oil prices. West Texas Intermediate crude gained 3.1% to settle at $57.35 a barrel. The S&P 500 Index’s five-day winning streak was snapped Tuesday, slipping less than 0.1% for the day. The tech-heavy NASDAQ also fell while the Dow Jones Industrial Average gained nearly 0.1%. Small gains on Wednesday led to record highs for the three major indices, as a jump among technology brands bolstered a dip in financials. A bit of a breather came on Thursday when Technology brands traded lower. In economic releases, the Department of Labor showed new jobless claims increased by 10,000 to 239,000, missing expectations. Trading was mixed on Friday with the Dow and S&P 500 closing in the red zone while the NASDAQ ticked up slightly. Consumer confidence is on the wane for November according to the University of Michigan's consumer sentiment index. The index reading slipped 2.9 points to 97.8 versus expectations of 100.9. Trepidation over proposed tax reform took a toll on large caps during the week, ending what had been a run of consecutive weekly positive returns. 

 

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Monday
Nov132017

Q&A Time: Injecting Money into the Economy, Tax Loss Selling, and More

The “Money Talks” experts answering listeners’ questions on injecting money into the economy; tax loss selling Under Armour, Kroger, and Allergan; and an investor who wants to pause on his retirement savings.

 

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Monday
Nov062017

Money Talks - November 4, 2017

This week on “Money Talks,” Troy Harmon, CFA, CVA, is joined by fellow Research Analyst Nick Antonucci, CVA, and Managing Associate Shawna Theriault, CPA, CFP ®, CDFA ®, to discuss the week’s market movements, sector analysis, and economic releases including consumer confidence, housing news, and the ISM Manufacturing index. Shawna shares some advice for families when it comes to planning for incapacity, whether it be for aging parents who can no longer take care of themselves, or an accident that leaves you unable to make financial or health decisions for yourself. The experts address a variety of listener questions including the run up of the Financials sector, IRA rollovers, bond ladders, and electronic accessories company Zagg, Inc.

  

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Monday
Nov062017

Case Study: Even Married Couples Need to Discuss Power of Attorney

This week, Managing Associate Shawna Theriault, CPA, CFP®, CDFA®, joins Chief Financial Officer Troy Harmon, CFA, CVA, and Research Analyst Nick Antonucci, CVA, to share some advice for families when it comes to planning for incapacity, whether it be for aging parents who can no longer take care of themselves, or an accident that leaves you unable to make financial or health decisions for yourself.

 

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Monday
Nov062017

Market Roundup: Slight Gains for Large Caps, Buoyed by Earnings and Economic Reports

The benchmark indices were mixed last week as large caps and tech stocks performed well, while small caps took quite a hit. The S&P 500 closed the week posting gains for the eighth straight week. The market kicked off the week with lackluster performance as the major indices closed in the red zone on Monday. One bright spot was an economic report that showed personal income ticked up in September. Nominal income edged up 0.4% last month versus a 0.2% increase in August, and exceeded expectations of a 0.2% jump. Corporate earnings releases boosted the market on Tuesday with Consumer Discretionary, Energy and Technology sectors showing leadership. Consumer confidence reached its highest level in almost 17 years in October, according to The Conference Board's Consumer Confidence Survey. Boosted by what is perceived as a strong jobs market and improving business conditions, consumers expressed confidence in the present economy while expecting it to improve in the near term. Midweek, the indices closed mixed with the Dow Jones Industrial Average and S&P 500 Index stepping up while the NASDAQ shed points. Moves were mixed in the wake of comments from the Federal Open Market Committee's two-day meeting. The Fed left interest rates unchanged at 1% to 1.25%, but said it would consider lifting them before year’s end on signs the economy was gaining momentum. Additionally, the president nominated a new chairman of the central bank to succeed Janet Yellen. Friday was dominated by economic reports the Purchasing Managers’ Index and the ISM Non-Manufacturing Survey. PMI registered 54.6 in October, up from 53.1 in September, while the services sector grew in October, registering 60.1, which is the highest reading since the index debut in 2008.

 

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