What Should You Expect From Your Broker-Dealer?
|
|
- Rosemary Harmon
- 8 years ago
- Views:
Transcription
1 What Shuld Yu Expect Frm Yur Brker-Dealer? Yu and yur practice are unique. Yu ffer experience, a niche and clients, and yu have needs and gals t succeed in business. When it cmes t the health and well-being f yur practice, few decisins have a greater impact n yur business than chsing yur independent brker-dealer. Each brker-dealer is different, ffering varius service levels, technlgy, prduct fferings, csts, and payut and cmpensatin packages. With hundreds f brker-dealers t chse frm, hw d yu chse the right ne? The independent brker-dealer (IBD) cmmunity has, since its inceptin, been an imprtant and active part f the American financial culture. Having yur wn independent practice can be very rewarding. Hwever, as a business wner, yu have respnsibilities, including day-t-day ffice management and cmpliance. Having a clear understanding f the capabilities f the firm yu select hw the rganizatin will supprt yu and yur business, and hw it cmpares t ther firms is critical in chsing the right brker-dealer fr yur business. Accrding t Registered Rep. s 2012 Independent Brker/Dealer Reprt Card, Despite a tugh market envirnment and a squeeze n prfit margins, plenty f IBDs large and small are ding an excellent jb f keeping their financial advisrs happy. But analysts and executives predict the brker-dealer landscape may change dramatically in the next few years as the buying and selling f firms accelerates. And because f this, analysts say financial advisrs will need t rethink their career strategies, examine their career aspiratins and prepare fr a ptentially turbulent future. As with any industry, there s always cnslidatin was a busy year fr deal-making and ffered a taste f what culd cme. A number f majr independent brker-dealers merged, which meant a lt f stress and upheaval fr financial advisrs. In additin, IBDs have had t respnd regularly t changes, including a cmplex and challenging tax, legal and regulatry envirnment, a highly cmpetitive service envirnment and demgraphic shifts such as the prjected dubling f the senir ppulatin by 2030, with ne in five U.S. residents age 65 r lder driving new client needs. In respnse, independent brker-dealer firms have invested millins f dllars in advances and enhancements t technlgy, peratins and cmpliance. Imprvements t the training and educatin f hme ffice staff and affiliated financial advisrs have als enhanced the verall effectiveness f IBDs peratinal efficiencies. But is that enugh t retain financial advisrs? Accrding t Investment News, each year, apprximately 9,500 investment prfessinals leave their brker-dealer relatinship fr anther. Althugh financial advisrs typically spend a significant amunt f time explring what a new firm can d fr them, they seldm spend sufficient time explring the dedicated resurces that the ptential new firm has fr mving their business efficiently, r asking themselves a very imprtant questin: Hw vested will this brker-dealer be in my success? 2013 Summit Brkerage Services, Inc. All rights reserved. 1
2 With thusands f brker-dealer firms available, it can be difficult t find a firm that checks ff all the bxes f what s imprtant t yu. Yet, making yur way thrugh the many available ptins, evaluating benefits, weighing ptential dwnsides and determining what life will really be like with a new brkerdealer is critical. Fr example, hw well des the brker-dealer service its advisrs? Hw well capitalized is the brkerdealer? Will the brker-dealer wrk with yu t grw yur practice? Des the brker-dealer prvide upfrnt mney? These are just a sampling f the imprtant factrs yu need t cnsider when chsing the best brker-dealer fr yu. The IBD industry ffers financial advisrs chices n service mdels, rganizatinal preferences and cmpensatin structures. And with mst independent brker-dealers ffering the same financial prducts, the real differentiatr becmes service and culture. While many independent firms refer t their financial advisrs as their partners, is this really the case? Large firms may appear t have greater resurces and better technlgy than smaller firms, but ftentimes an advisr is mre likely t get lst in the crwd. Cntrary t what many advisrs think, smaller brker-dealers ffer the same technlgy bells and whistles as the larger firms. This technlgy is usually utsurced and nt private labeled like many f the larger firms. Plus fr many advisrs a smaller firm ffers advantages and a cultural element that desn t exist anywhere else. There s als a better chance f being heard and mre ften than nt, advisrs will have direct access t decisin makers and will receive mre persnalized service. One example f a firm with a unique and pwerful culture is Summit Brkerage Services. The rganizatin differentiates itself by recgnizing that servicing clients is the mst imprtant benefit their financial advisrs prvide, while servicing the financial advisr is the mst imprtant benefit it prvides. Funded in 1983 by frmer financial advisrs, the cmpany was named the #1 Independent Butique Brker-Dealer tw years in a rw and has als been recgnized as ne f the Tp 50 Independent Brker-Dealers by leading trade publicatins. With a netwrk f mre than 330 financial advisrs perating frm mre than 225 ffices thrughut the United States, the Cmpany maintains a butique firm f high-quality, high-prducing financial advisrs. Its philsphy remains as it has frm the start: t treat its financial advisrs as its clients. In the search fr the ideal brker-dealer partner, yu shuld carefully cnsider what type f affiliatin will prvide the best fit nt nly fr where yur business is nw, but mre imprtantly, where yu want yur business t g. Des the ptential brker-dealer currently have the prgrams and persnnel in place t prvide the type f supprt yu need? Will it in the future? Can the ptential firm help yu prvide a better client experience? Hw will the ptential brker-dealer make ding business easier r better? Like larger brker-dealer firms, Summit ffers a full cmplement f investment prducts and services, including traditinal brkerage services, fee-based prducts, annuities and ther insurance-related prducts, mutual funds and alternative investments. And it ffers cmpetitive pay-uts and prvides 2013 Summit Brkerage Services, Inc. All rights reserved. 2
3 business planning supprt, marketing prgrams, state-f-the-art technlgy, and easy (and encuraged) access t senir management. Anther significant cultural difference can be fund n the cmpliance frnt. Hnestly ask yurself if yur firm takes a cnsultative apprach t addressing cmpliance matters, r des it sht first and ask questins later? Summit believes in the cnsultative apprach that is, wrking with its financial advisrs t develp highly cmpliant slutins t particular needs. Evidence f this cmmitment t cmpliance can be seen in Summit Brkerage s maintenance f ne f the highest ratis f cmpliance persnnel t financial advisrs in the industry, assuring that all matters are addressed timely and apprpriately. Summit als vests itself in the success f its financial advisrs by prviding Summit Slutins, a cmprehensive platfrm fr its financial advisrs t grw and develp their practices. Incrprating sme f the industry s best-f-breed technlgy, mst widely respected caches, and best available training and cntinuing educatin, Summit Brkerage financial advisrs are presented with unlimited pprtunities t grw their practices. Additinally, fr thse financial advisrs interested in adding additinal financial advisrs t their ffice, Summit Brkerage will wrk t identify and transitin financial advisrs int that ffice. Under certain circumstance, Summit Brkerage will even prvide upfrnt financial supprt t incentivize a financial advisr t jin the ffice. Balancing the prs and cns f bth larger and smaller brker-dealers invlves ding yur hmewrk and asking the right questins. Shane Westhelter, AEP, CLU, LUTCF, f Dublin, CA, has cmpiled a cmprehensive checklist that can help yu evaluate yur ptins. 1. Culture and character. What is the character after yu are cntracted r things are nt ging well? Ask fr a hme ffice due diligence meeting, s that yu can bserve the internal culture and try t judge their true character the best that yu can. Asking fr references frm thers wh are already with the firm is als wise, but keep in mind they mst likely will nt give yu a unhappy representative as a reference. The best way t judge is t research the grwth and lst rate f prducers ver the past several years. If mre advisrs are jining and few are leaving, then it may be ne t cnsider. 2. Integrated Technlgy platfrms. What can they supprt and prvide? Is cnslidated statement reprting available? What des the website and representative access t infrmatin lk like? What systems are in place fr trade placement, research, illustratin generatin, client service and cmmunicatin with the hme ffice staff? D they ffer discunted sftware prgrams that yu may want fr yur business? Is it an pen platfrm, r are yu limited t using nly their selected vendrs and prgrams? 2013 Summit Brkerage Services, Inc. All rights reserved. 3
4 3. Cmpliance versight. This is an area that yu need t make sure yu like. The better the cmpliance, the better prtected yu and yur clients will be. The cmpliance department shuld be yur ally yur team f prfessinals that help keep yu ut f litigatin and prtect yur clients frm making the wrng investment r prduct decisin. Knw what they expect, what they permit and hw their system wrks. What is the ad apprval rate, turn-arund timeframe, prduct apprval rate, and d they ffer supprt t help yu edit, craft r get it thrugh the system? Als, yu may want t knw hw ften they audit yur ffice, and wh will be ding the audits lcal staff, hme ffice staff r a third-party cnsulting firm? D they prvide guidance and file structure, r is it up t yu t find ut as needed? 4. Business develpment, caching, mentring and marketing supprt. Successin planning, business planning and marketing are key items t cnsider. It is nt always abut the mney, as the right business develpment supprt can increase yur bttm line mre than a cmmissin cntract increase. D they have nging training, webinars, lcal and/r reginal meetings t help yu learn abut prducts, running yur business as a business r new technlgy platfrms? D they have a marketing department that can assist yu in ad design, marketing materials and/r any frm f lcal r reginal marketing supprt? Will they help yu evaluate yur business if yu decide t retire r sell yur business? Will they help finance a transactin t buy a practice r if yu want t sell yur practice? 5. Cntact management systems. It is imprtant fr nt nly transitin purpses but als ease f ding business t knw if the cntact management system that yu currently use will integrate with the brker-dealer s system. Will the data electrnically transfer? Can yu use yur wn cntact prgram r nly ne prvided by the brker-dealer? D they have a paperless capability system r will data need t be inputted manually and stred as paper files? Is the data backed up and can it be accessed remtely? 6. Prducts and services. One f the main functins f a brker-dealer is t act as the cnduit t allw yu t gain access t the prducts and services that yu want fr yur clients. What vendrs d they have selling agreements with? What third-party mney management firms d they allw n their platfrms? Hw many cnference meetings d they prvide? What abut prduct training meetings r business develpment meetings? What is the hme ffice emplyee supprt rati t number f representatives in the firm? What is the average prductin f the current representatives? In additin t asking what the firm can d fr yu, it s als imprtant that yu understand the financial cnditin f the firm yu are cnsidering. With a tugh ecnmic landscape, in the last few years mre than 30 independent firms have clsed. In almst every case, these firms were frced t clse because they lacked the financial strength t cntinue in business and meet their utstanding bligatins. Many f these bligatins arse frm adverse arbitratin awards related t the sale f alternative investments that failed t perfrm, such as Prvident, DBSI and MedCap Funding. As any financial advisr affiliated with ne f thse firms can tell yu, the impact n the advisr s business f having t transitin clients thrugh such a prceeding can be incredibly stressful Summit Brkerage Services, Inc. All rights reserved. 4
5 Because n financial advisr wants t be in the psitin f having t explain t their clients why the firm they chse t assciate with is n lnger in business, Summit Brkerage believes there are fur very imprtant questins yu shuld ask yur existing firm r any prspective firm: What is the firm s net capital and excess net capital? What type f errrs and missins insurance des the firm carry, including what types f claims are cvered and the types f limits? Des the firm make markets and carry its wn inventry, and if s, in what types f securities? What prprietary prducts des the firm ffer, and if they d, will yu be pushed t sell them? Net capital and excess net capital represent sme f the principal measures f a firm s financial strength. Simply put, a firm s net capital is equal t the wner s equity sectin f its balance sheet, reduced by certain items as required under SEA Rule 15c3-1. Excess net capital relates t the amunt by which the firm s net capital exceeds the statutrily required amunt as determined by FINRA. Excess net capital is imprtant because it signifies a firm s ability t withstand ptential adverse awards in excess f insured lsses, market dwnturns, negative perating results and significant lsses in the firm s prprietary trading accunts. This is exactly what happened t several brker dealers that sld significant amunts f the afrementined alternative investments. A lack f financial strength can als be signified by a brker-dealer that tends t underpay its emplyees and advisrs amunts that they are wed, as well as the vendrs with whm it des business. Changing brker-dealers may be ne f the mst imprtant decisins yu make in yur career. Cnduct yur due diligence, ensure that the prspective brker-dealer is financially stable and has a track recrd f prviding the services yu want and need nw and in the future. With the right brker-dealer yu will be able t take care f yur clients, achieve yur financial gals, leverage yur skills and grw yur business. Investment News gt it right: The brker-dealer f the future will be an rganizatin that listens and respnds t the needs f its investment prfessinals and helps them address a changing investr market. It will be an rganizatin that values and develps talent in the hme ffice as well as in the field. The advisry business will fuel the grwth, but efficiency and prductivity will translate the grwth int prfitability. Summit Brkerage Services is that firm. Fr mre infrmatin, visit r call Summit Brkerage Services, Inc. All rights reserved. 5
Online Learning Portal best practices guide
Online Learning Prtal Best Practices Guide best practices guide This dcument prvides Micrsft Sftware Assurance Benefit Administratrs with best practices fr implementing e-learning thrugh the Micrsft Online
More informationIN-HOUSE OR OUTSOURCED BILLING
IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability
More informationRetirement Planning Options Annuities
Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With
More informationThe Importance of Market Research
The Imprtance f Market Research 1. What is market research? Successful businesses have extensive knwledge f their custmers and their cmpetitrs. Market research is the prcess f gathering infrmatin which
More informationCorporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.
Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).
More informationHOW TO SELECT A LIFE INSURANCE COMPANY
HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite
More informationPLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.
PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The
More informationFundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs
Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths
More informationWHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items
WHITE PAPER Vendr Managed Inventry (VMI) is Nt Just fr A Items Why it s Critical fr Plumbing Manufacturers t als Manage Whlesalers B & C Items Executive Summary Prven Results fr VMI-managed SKUs*: Stck-uts
More informationMobile Workforce. Improving Productivity, Improving Profitability
Mbile Wrkfrce Imprving Prductivity, Imprving Prfitability White Paper The Business Challenge Between increasing peratinal cst, staff turnver, budget cnstraints and pressure t deliver prducts and services
More informationFinancial advisr & Consultant Surveys - A Review
INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy
More informationSpecial Tax Notice Regarding 403(b) (TSA) Distributions
Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,
More informationDefining Sales Campaign Automation How e-mail, the Killer App, is best applied to marketing
Defining Sales Campaign Autmatin Hw e-mail, the Killer App, is best applied t marketing Summary: Cmpanies tday are steadily adpting strategies and technlgies t reach prspects, custmers, and partners thrugh
More informationAnnuities and Senior Citizens
Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages
More informationWHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?
WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul
More informationIn addition to assisting with the disaster planning process, it is hoped this document will also::
First Step f a Disaster Recver Analysis: Knwing What Yu Have and Hw t Get t it Ntes abut using this dcument: This free tl is ffered as a guide and starting pint. It is des nt cver all pssible business
More informationWhat Does Specialty Own Occupation Really Mean?
What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin
More informationThe Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant
The Allstate Fundatin Dmestic Vilence Prgram 2015 Mving Ahead Financial Empwerment Grant Due Date: September 1, 2015 Online applicatin: https://www.grantrequest.cm/sid_1010?sa=sna&fid=35296 The Allstate
More informationDALBAR Due Diligence: Trust, but Verify
BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can
More informationData Protection Act Data security breach management
Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing
More informationAim The aim of a communication plan states the overall goal of the communication effort.
Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.
More informationSmall Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman
Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust
More informationTable of Contents. This document is for informational purposes only. MICROSOFT MAKES NO WARRANTIES, EXPRESS OR IMPLIED, IN THIS SUMMARY.
Table f Cntents Tp Pricing and Licensing Questins... 2 Why shuld custmers be excited abut Micrsft SQL Server 2012?... 2 What are the mst significant changes t the pricing and licensing fr SQL Server?...
More informationTypical Interview Questions and Answers
Typical Interview Questins and Answers Why d yu want t wrk fr this cmpany? Why are yu interested in this jb? The interviewer is trying t determine what yu knw and like abut the cmpany, whether yu will
More informationThe Millionaire Real Estate Agent (MREA) Book Club Guide
The Millinaire Real Estate Agent (MREA) Bk Club Guide An MREA bk club is a great way fr agents t strengthen their skills and understanding f The Millinaire Real Estate Agent in a mastermind-type envirnment.
More informationHere are some simple guidelines to follow for making wise investments:
FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs
More informationThinking Different About Alternative Financing Options
Thinking Different Abut Alternative Financing Optins Christpher Mills Senir Business Develpment Officer Federal Natinal Cmmercial Credit This whitepaper will make yu think differently abut alternative
More informationThe Cost of Not Nurturing Leads
The Cst f Nt Nurturing Leads The Cst f Nt Nurturing Leads The legacy yu are stuck in and the steps essential t change it Lisa Cramer President LeadLife Slutins, Inc. lcramer@leadlife.cm 770-670-6702 2009
More informationResearch Report. Abstract: The Emerging Intersection Between Big Data and Security Analytics. November 2012
Research Reprt Abstract: The Emerging Intersectin Between Big Data and Security Analytics By Jn Oltsik, Senir Principal Analyst With Jennifer Gahm Nvember 2012 2012 by The Enterprise Strategy Grup, Inc.
More informationConversations of Performance Management
Cnversatins f Perfrmance Management Perfrmance Management at Ohi State The Secnd Cnversatin ~ Develpment 2011 The Ohi State University Office f Human Resurces Cntents Intrductin Welcme t Develping Emplyees...
More informationOrganizational Applications and Solutions SCM and ERP
Dr Sherif Kamel Department f Management Schl f Business, Ecnmics and Cmmunicatin Organizatinal Applicatins and Slutins SCM and ERP Outline Supply chain and value chain definitins Cmpnents, benefits and
More informationImproved Data Center Power Consumption and Streamlining Management in Windows Server 2008 R2 with SP1
Imprved Data Center Pwer Cnsumptin and Streamlining Management in Windws Server 2008 R2 with SP1 Disclaimer The infrmatin cntained in this dcument represents the current view f Micrsft Crpratin n the issues
More informationMaintain a balanced budget primarily the General & Park Funds
EXHIBIT B City f Chic Budget Cntingency Plan P The purpse f the Budget Cntingency Plan is t establish a guideline and general apprach t respnd t adverse financial and ecnmic cnditins that culd negatively
More informationHow much life insurance do I need? Wrong question!
Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be
More informationFixed vs. Variable Interest Rates
Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial
More informationMunicipal Advisor Registration
FACT SHEET Municipal Advisr Registratin SEC Open Meeting Sept. 18, 2013 The Securities and Exchange Cmmissin tday will cnsider whether t adpt a rule that wuld establish a permanent registratin regime fr
More informationSolo 401(k)s Self-Directed Retirement Accounts for Sole Proprietors & Small Business Owners
Sl 401(k)s Self-Directed Retirement Accunts fr Sle Prprietrs & Small Business Owners 2008 Security Trust Cmpany Security Trust Cmpany Security Trust Cmpany is a retirement plan administratr nly and des
More informationThe Cost Benefits of the Cloud are More About Real Estate Than IT
y The Cst Benefits f the Clud are Mre Abut Real Estate Than IT #$#%&'()*( An Osterman Research Executive Brief Published December 2010 "#$#%&'()*( Osterman Research, Inc. P.O. Bx 1058 Black Diamnd, Washingtn
More informationWhat broader insights would you want to explore first to answer the CEO s questions?
Setup The CEO f a majr client has requested a shrt-term study examining a small part f the client s prduct prtfli. The cmpany has a small divisin that manufactures autmatic drip cffeemakers fr the US and
More informationtheir needs. customer, and suggest alternative products when a customer requested product is not available.
Crescent Electrical Supply Cmpany (Denver, CO) - Crescent Electric Supply Cmpany (CESCO) was funded in 1919. Tday, it is ne f the largest electrical distributrs in the United States with ver 140 lcatins
More informationWhat payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?
Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include
More informationChange Management Process
Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses
More informationIn-House Counsel Day Priorities for 2012. Cloud Computing the benefits, potential risks and security for the future
In-Huse Cunsel Day Pririties fr 2012 Clud Cmputing the benefits, ptential risks and security fr the future Presented by David Richardsn Thursday 1 March 2012 WIN: What in-huse lawyers need Knwledge, supprt
More informationONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback
ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT A. Principles and Benefits f Onging Feedback While it may seem like an added respnsibility t managers already "full plate," managers that prvide nging feedback
More informationCheck List Forming a Small Business
Frming a Small Business Intrductin: Each year, thusands f Americans catch the entrepreneurial spirit, launching small businesses t sell their prducts r services. The City f Auburn, Office f Ecnmic Develpment
More informationMulti-Year Accessibility Policy and Plan for NSF Canada and NSF International Strategic Registrations Canada Company, 2014-2021
Multi-Year Accessibility Plicy and Plan fr NSF Canada and NSF Internatinal Strategic Registratins Canada Cmpany, 2014-2021 This 2014-21 accessibility plan utlines the plicies and actins that NSF Canada
More informationLegacy EMR Data Conversions
Legacy EMR Data Cnversins Agenda Abut us Drivers fr EMR Replacement Things t Cnsider Tp 5 Reasns EMR Cnversins Fail Optins fr Legacy EMR Cnversin Case Study Abut Us Health efrmatics is a healthcare IT
More informationHow to Address Key Selection Criteria
Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd
More informationSuccession Planning & Leadership Development: Your Utility s Bridge to the Future
Successin Planning & Leadership Develpment: Yur Utility s Bridge t the Future Richard L. Gerstberger, P.E. TAP Resurce Develpment Grup, Inc. 4625 West 32 nd Ave Denver, CO 80212 ABSTRACT A few years ag,
More informationA Walk on the Human Performance Side Part I
A Walk n the Human Perfrmance Side Part I Perfrmance Architects have a license t snp. We are in the business f supprting ur client rganizatins in their quest fr results that meet r exceed gals. We accmplish
More informationCaptive outsourcing models
Captive utsurcing mdels India TP hygiene wrkshp Presenter: Vishnu Bagri Octber 23, 2013 2013 Transfer Pricing Assciates Hlding B.V. BACKDROP + India has evlved as a premier utsurcing hub fr IT, ITES, engineering
More informationWe will record and prepare documents based off the information presented
Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we
More informationResearch Findings from the West Virginia Virtual School Spanish Program
Research Findings frm the West Virginia Virtual Schl Spanish Prgram Funded by the U.S. Department f Educatin Cnducted by R0cKMAN ETAL San Francisc, CA, Chicag, IL, and Blmingtn, IN Octber 4, 2006 R0cKMAN
More informationIEMA Practitioner Volume 14 Supporting Information www.iema.net/practitioner/14
IEMA Practitiner Vlume 14 Supprting Infrmatin www.iema.net/practitiner/14 Title: Engaging and Re-engineering the Supply Chain Authr: Sam Balch Organisatin: Glbal Actin Plan There are a number f reasns
More informationInternet and Social Media Solicitations: Wise Giving Tips
Internet and Scial Media Slicitatins: Wise Giving Tips Charities use a wide variety f methds t slicit charitable dnatins. New and pwerful technlgies utilize nt just the internet and email, but als scial
More informationFACT SHEET BORROWING THROUGH SUPER. Prepared by Brett Griffiths, Director Superannuation Consulting e bgriffiths@vincents.com.au
FACT SHEET BORROWING THROUGH SUPER Prepared by Brett Griffiths, Directr Superannuatin Cnsulting e bgriffiths@vincents.cm.au FACT SHEET Since September 2007 Self Managed Superannuatin Funds (SMSF s) can
More informationOperating as an S corporation may be wise for several reasons:
S Crpratin Facts S crpratins are similar t LLCs in that they prvide wners with limited liability prtectin while ffering the tax structure f a partnership. Many entrepreneurs have tw gals when chsing a
More informationA Quick Read on the State of Small Business and the Small Business Success Index 2009 Baseline Study of Small Business Success
A Quick Read n the State f Small Business and the Small Business Success Index 2009 Baseline Study f Small Business Success March 12, 2009 Spnsred by: Netwrk Slutins, LLC and Rbert H. Smith Schl f Business,
More informationSelf-Directed IRA Investment Possibilities Investment Creativity with Security Trust Company
Self-Directed IRA Investment Pssibilities Investment Creativity with Security Trust Cmpany Security Trust Cmpany Security Trust Cmpany is a retirement plan administratr nly and des nt prvide legal, tax,
More informationCONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.
This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented
More informationCASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT
CASSOWARY COAST REGIONAL COUNCIL POLICY ENTERPRISE RISK MANAGEMENT Plicy Number: 2.20 1. Authrity Lcal Gvernment Act 2009 Lcal Gvernment Regulatin 2012 AS/NZS ISO 31000-2009 Risk Management Principles
More informationCCPRF. Request for Proposals. Monitoring Services. November 25, 2009
CCPRF Request fr Prpsals Mnitring Services Nvember 25, 2009 Table f Cntents SECTION I... 1 1.1 INTRODUCTION AND OPPORTUNITY... 1 1.2 OBJECTIVES OF RFP... 1 1.3 STATEMENT OF WORK... 1 SECTION II... 2 2.1
More informationThe actions discussed below in this Appendix assume that the firm has already taken three foundation steps:
MAKING YOUR MARK 6.1 Gd Practice This sectin presents an example f gd practice fr firms executing plans t enter the resurces sectr supply chain fr the first time, r fr thse firms already in the supply
More informationCHASE: YOUR RESOURCE FOR ALL YOUR FINANCIAL NEEDS
CHASE: YOUR RESOURCE FOR ALL YOUR FINANCIAL NEEDS I lst tw dealerships when my manufacturer ended my franchise in 2009. Chase was the ONLY bank t help me get back in the game. Nt nly did they prvide me
More informationGartner Magic Quadrant Salesforce Automation 2009
Gartner Magic Quadrant Salesfrce Autmatin 2009 Sage CRM Slutins Opinin Brief Released July 24, 2009 Q. What is the Gartner Magic Quadrant (GMQ) fr SFA? A. The Gartner Magic Quadrant fr SFA is an analyst
More informationFACILITIES DESIGN & CONSTRUCTION OFFICE OF ENERGY MANAGEMENT UTILITY SERVICES, REPORT ON LONG-RANGE PLAN 2014
FACILITIES DESIGN & CONSTRUCTION OFFICE OF ENERGY MANAGEMENT UTILITY SERVICES, REPORT ON LONG-RANGE PLAN 2014 TABLE OF CONTENTS Intrductin......1 Descriptins f Current Cntract Gals and Strategies fr Lng
More informationWells Fargo Works for Small Business : Diverse Community Capital
Prgram Guidelines Wells Farg Wrks fr Small Business : Diverse Cmmunity Capital Nvember 2015 2015 Wells Farg Bank, N.A. All rights reserved. Table f cntents Backgrund Overview Parameters and Guidelines
More informationFINANCIAL SERVICES FLASH REPORT
FINANCIAL SERVICES FLASH REPORT Draft Regulatry Cmpliance Management Guideline Released by the Office f the Superintendent f Financial Institutins May 5, 2014 On April 30, 2014, the Office f the Superintendent
More informationWhat is an SBA Loan? SBA Loans
SBA Lans The State Bank is a Preferred SBA (Small Business Administratin) Lender. The State Bank has delegated authrity t underwrite and apprve SBA lans n behalf f the SBA, thereby greatly expediting the
More informationService Request Form
New Prfessinal Services Order Frm Editable PDF Service Request Frm If yu have any questins while filling ut this frm, please cntact yur CDM, email Prfessinal Services at PS@swipeclck.cm, r call 888-223-3250
More informationexpertise hp services valupack consulting description security review service for Linux
expertise hp services valupack cnsulting descriptin security review service fr Linux Cpyright services prvided, infrmatin is prtected under cpyright by Hewlett-Packard Cmpany Unpublished Wrk -- ALL RIGHTS
More information2008 BA Insurance Systems Pty Ltd
2008 BA Insurance Systems Pty Ltd BAIS have been delivering insurance systems since 1993. Over the last 15 years, technlgy has mved at breakneck speed. BAIS has flurished in this here tday, gne tmrrw sftware
More informationResearch Report. Abstract: Advanced Malware Detection and Protection Trends. September 2013
Research Reprt Abstract: Advanced Malware Detectin and Prtectin Trends By Jn Oltsik, Senir Principal Analyst With Jennifer Gahm, Senir Prject Manager September 2013 2013 by The Enterprise Strategy Grup,
More informationPhi Kappa Sigma International Fraternity Insurance Billing Methodology
Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t
More informationSWARTHMORE GIFT PLANNING
SWARTHMORE GIFT PLANNING Gift Basics Thank yu fr serving as a 50 th reunin gift planning representative fr yur class. Yur supprt fr the Cllege and yur membership in the Swarthmre Legacy Circle will serve
More informationUNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES
UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative
More information10/19/2015 DIGITAL SCHOOL COUNSELING
0/9/05 Cunseling in a Digital Schl Envirnment and its Effect n Student Success KELSEY J. DEPOMPEI K- SCHOOL COUNSELOR VIRTUAL COMMUNITY SCHOOL OF OHIO 3 Objectives and Agenda Participants will: Identify
More informationGetting Ready for Finance
Getting Ready fr Finance When yur business needs finance it is imprtant t plan yur apprach t ptential lenders prir t making the appintment t present yur applicatin. The reasn fr this is that a well-prepared
More informationSuccession management in the Queensland Public Service
Successin management in the Queensland Public Service February 2009 Table f cntents Intrductin... 3 What is successin management?... 3 Why d successin management?... 3 Wh des successin management apply
More informationBusiness Plan Overview
Business Plan Overview Organizatin and Cntent Summary A business plan is a descriptin f yur business, including yur prduct yur market, yur peple and yur financing needs. Yu shuld cnsider that a well prepared
More informationOctober 14, 2015. Cara Fitzpatrick, Michael LaForgia. and Adam Playford. Tampa Bay Times. 490 First Avenue South. St. Petersburg, FL 33701
Octber 14, 2015 Cara Fitzpatrick, Michael LaFrgia and Adam Playfrd Tampa Bay Times 490 First Avenue Suth St. Petersburg, FL 33701 Cara, Michael and Adam, In fllw up t ur phne call, this letter prvides
More informationWithin the program, students combine two or more areas of study into one interdisciplinary program. Current program options include:
Liberal Studies 2010-11 Prgram Descriptin Eastern Oregn University s Liberal Studies prgram ffers students an pprtunity t devise a persnalized prgram f study in an interdisciplinary apprach relevant t
More informationTAKING OWNERSHIP OF HEALTH CARE
TAKING OWNERSHIP OF HEALTH CARE TIPS FOR PARENTS AND CAREGIVERS Are yu ready fr the day when yu take yur sn r yur daughter fr a medical appintment and the dctr r medical staff says t yu, as the parent
More informationCounselor in Training Program
Tukwila Parks and Recreatin Cunselr in Training Prgram D yu want t be a camp cunselr in the future? Then the Cunselr in Training (CIT) prgram is just fr yu! CITs wrk alng side camp cunselrs where they
More informationImplementing an electronic document and records management system using SharePoint 7
Reprt title Agenda item Implementing an electrnic dcument and recrds management system using SharePint 7 Meeting Finance, Prcurement & Prperty Cmmittee 16 June 2008 Date Reprt by Dcument Number Head f
More informationPoint2 Property Manager Quick Setup Guide
Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the
More informationProfessional Leaders/Specialists
Psitin Prfile Psitin Lcatin Reprting t Jb family Band BI/Infrmatin Manager Wellingtn Prfessinal Leaders/Specialists Band I Date February 2013 1. POSITION PURPOSE The purpse f this psitin is t: Lead and
More informationAMWA Chapter Subgroups on LinkedIn Guidance for Subgroup Managers and Chapter Leaders, updated 2-12-15
AMWA Chapter Subgrups n LinkedIn Guidance fr Subgrup Managers and Chapter Leaders, updated 2-12-15 1. Chapters may nt have an independent grup n LinkedIn, Facebk, r ther scial netwrking site. AMWA prvides
More informationResearch Report. Abstract: Security Management and Operations: Changes on the Horizon. July 2012
Research Reprt Abstract: Security Management and Operatins: Changes n the Hrizn By Jn Oltsik, Senir Principal Analyst With Kristine Ka and Jennifer Gahm July 2012 2012, The Enterprise Strategy Grup, Inc.
More informationCMS Eligibility Requirements Checklist for MSSP ACO Participation
ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.
More informationHUMAN RESOURCES. Solutions for Human Resource Management in Microsoft Dynamics GP. White Paper. Date: February 2007. http://www.microsoft.
HUMAN RESOURCES Slutins fr Human Resurce Management in Micrsft Dynamics GP White Paper Date: February 2007 http://www.micrsft.cm/dynamics Table f Cntents Intrductin... 3 Familiar t Yur Peple... 3 Cmmn
More informationPatient Participation Report
Patient Participatin Reprt In 2011, Westngrve Partnership decided t establish a PPG (Patient Participatin Grup) that wuld allw us t engage with ur patients, receive feedback frm them and ensure that they
More informationExecutive Summary. ERISA allows for the Delegation of Fiduciary Responsibility to independent investment professionals. www.theadvisorlab.com.
Page 2 ERISA allws fr the Delegatin f Fiduciary Respnsibility t independent investment prfessinals. Executive Summary Many wners/executives f businesses that spnsr 401(k) plans dn t have the faintest idea
More informationUnderstanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference
Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin
More informationWhite Paper. Calculating ROI for GPS Tracking. Jack Duncan ERP Integration. 2912 NW 156th Street Edmond, OK 73013 405.749.1105
White Paper Calculating ROI fr GPS Tracking Jack Duncan ERP Integratin 2912 NW 156th Street Edmnd, OK 73013 405.749.1105 Hw can we plt the prjected ROI fr a GPS System? Successful implementatin f a GPS
More informationPlease rate the statements below from 1 5 based on whether you agree or disagree.
Academics Please rate the statements belw frm 1 5 based n whether yu agree r disagree. 1. I believe Niagara Falls public schls d a gd jb preparing students t be successful. 2. During the past 3 years,
More informationOnline Network Administration Degree Programs
Online Schls, Degrees & Prgrams Blg Abut Archives Cntact Online Netwrk Administratin Degree Prgrams A Netwrk Administratr is smene respnsible fr the maintenance and perfrmance f cmputer hardware and sftware
More informationCOUNSELING DEFINITIONS
Client TERM COUNSELING DEFINITIONS DEFINITION The client is the business, if it exists. In the case f a prspective business, the client is the individual. In-Business: Cmpleted required registratin(s),
More informationBEYOND THE BAR CLIENT SERVICE AND PRACTICE DEVELOPMENT: BECOMING A SUCCESSFUL LAWYER AN ASSOCIATE S MARKETING CHECKLIST 2.0
BEYOND THE BAR CLIENT SERVICE AND PRACTICE DEVELOPMENT: BECOMING A SUCCESSFUL LAWYER AN ASSOCIATE S MARKETING CHECKLIST 2.0 Rss Fishman, J.D. CEO, Fishman Marketing, Inc. 2000-2009 Fishman Marketing, Inc.
More information