Payne Wealth Partners: 2014 4th Quarter Client Commentary


“Change is the law of life. And those who look only to the past or present are certain to miss the future.”

– John F. Kennedy

Change for the Better

Planning Commentary

The old adage tells us “nothing is certain but death and taxes.”  If allowed the liberty, we would also add “change” to this list of certainties.  Our world is constantly changing, some for the better and some for the worse.  Do we even remember life before smart phones and electronic tablets?  Remember life before the internet?  Remember those large bag phones people would use in their cars?

Change is certainly occurring within the technologies that we employ to serve and engage our clients- and all for the better.  As we prepare for year-end there are a number of exciting initiatives that your Payne Wealth Partners planning team is working to advance.  One particular initiative is advancing the level of direct client access to our technology used in the wealth planning process.  During the fourth quarter we plan to launch our new client planning site which will be accessible 24 hours a day.  This will be tailored to each individual client and will include information and tools such as the following:

  • Your current net worth with many underlying values updated daily
  • The ability to run customized reports that illustrate cash flow, estate planning concepts, net worth projections and other key personal financial statistics.
  • A vault that provides secure storage for files and for sharing data back and forth, such as the documents our team prepares for your tax package
  • Wealth-tracking illustrations that evaluate net worth trends

This technology is a significant enhancement to our firm’s ability to deliver high-end wealth planning information to our clients on a continual basis.  Increased engagement with our clients and utilization of industry-leading technology is more important than ever as the financial, economic and tax landscapes continue to change how our planning must respond to the challenges faced by our high net worth clients.

At this time we are in the final testing phases and making some revisions prior to the introduction of this platform to our clients, but expect this platform to be available soon!


Posted: October 15, 2014perryBusinessExit

Authored by: N. Perry Moore, CBEC™, CFP®, ChFC®

Direct Phone: 812-602-6306


Investor Reactions

Investment Commentary

2014 PWP Invest Commentary Table

Over the past year, strong stock market gains have been driven by an increase in economic activity and higher corporate profits.  However, many investors have become complacent about risk as indicated by well-below average volatility levels in the equity markets.  This is a red flag to us and an indication that maybe caution is in order.  As you can see in the chart below, the maximum decline in the S&P 500 Index so far this year was -5.8%, which happens to be equal to the largest pullback experienced in 2013.

Both this year’s pullback and the decline in 2013 fall below the average yearly decline of the past 34 years which is -14.2%.  Likewise, although investors saw significant equity gains in 2013 of close to 30% with minimal variability, we would expect a reversion to more normal levels of risk and returns going forward.

2014 4th Q Investment Comm. ChartSource:  J.P. Morgan Asset Management

As always, we welcome your questions and comments concerning your investments, and we certainly appreciate the trust and confidence you have placed in us.  Thank you for your business!


Posted: October 15, 2014chadBusinessExit

Authored by: Chad A. Sander,CFP®

Direct Phone: 812-602-6302


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The information in this material is only as current as the date indicated, and may be superseded by subsequent market events or for other reasons. While all information prepared in this document is believed to be accurate, any statements of opinion constitute only current opinions of Payne Wealth Partners, Inc., which are subject to change and which Payne Wealth Partners, Inc. does not undertake to update. Accordingly, you should not put undue reliance on these statements. The information does not attempt to examine all the facts and circumstances that may be relevant to an individual’s financial needs. Payne Wealth Partners, Inc. is not soliciting any action based on these statements.

Contact Our Offices

Payne Wealth Partners, Inc.
Keystone Financial Consulting
601 N Cross Pointe Blvd
Evansville, IN 47715
Phone: 812-477-6221
Toll Free: 888-477-6221
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