Asset Allocation Quotes

On average, 90 percent of the variability of returns and 100 percent of the absolute level of return is explained by asset allocation. ~ Roger G. Ibbotson

10 Steps Process Requirement

So that we can get a clear picture of your current financial position and your future lifestyle desires our 10-step process requires 2 meetings.

Meeting #1 include steps 1 through 5 and should take no longer than 45 minutes. If in meeting #1 we determine that what we do fit with what you are looking for, you will receive 2 very short questionnaires to complete and we will then schedule meeting #2. The first is a very short and simple financial questionnaire. The second is an online communication profile that assesses how you like to be communicated to and how you naturally approach or respond to problems, information, change and risk. Both are very important to us moving forward. They help us be more effective in how we communicate your data to you.

Meeting #2 include steps 6 – 10 and should take no longer than one (1) hour. In this meeting we will identify areas in which you are losing money unknowingly and unnecessarily. We will customize appropriate wealth strategies to help you become more efficient in your finances so that you can achieve your goals and objectives. ~ Annette Wise

I don't often know where my ideas come from. Maybe it's the fact that I'm obsessively regimented in my analysis, borderline autistic. But whether it's bond selection or asset allocation, we can do it better than just about anybody around. ~ Jeffrey Gundlach

As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution.

In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully.

Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal.

Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies.

Clients have come to rely on Annette for insight on tax advantaged savings and retirement options.

Annette's primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal.

Ever the curious soul who is al ~ Annette Wise

From an asset-allocation perspective, when we talk about diversification, we're talking about investing in multiple asset classes. There are six that I think are really important and they are US stocks, US Treasury bonds, US Treasure inflation-protected securities [TIPS], foreign developed equities, foreign emerging-market equities and real estate investment trusts [REITS]. p473 ~ Tony Robbins

Time is the most valuable asset you don't own. You may or may not realize it yet, but how you use or don't use your time is going to be the best indication of where your future is going to take you . ~ Mark Cuban

George Grant's writing is an invaluable asset to Americans in general, and to the pro-life Americans in particular. I am grateful for his leadership and courage to defend the sanctity of life, and to tell the truth at all costs. ~ Beverly LaHaye

An Employee is the most valuable asset for an Organization. ~ Yogesh Chauhan

Creativity is an advertising agency's most valuable asset, because it is the rarest. ~ Jef I. Richards

And human instinct is ancient and reliable, utterly mysterious and possibly capable of great genius. I believe that refined, fluent instincts are a person's most valuable asset. My own instincts have repeatedly guided me against the grain of logic and probability. When I have trusted and followed their direction, they have never been wrong. I don't know how or why. But I know that every significant experience-positive or negative-sharpens them and makes them more accurate. ~ Augusten Burroughs

French, for example, is declining as an international language, but Spanish, Mandarin and Arabic are all languages of the future. Ethnic minority groups in the UK may well prove to be a major asset in this effort. ~ David Graddol

Individual liberty is not an asset of civilization. It was greatest before there was any civilization, though admittedly even then it was largely worthless, because the individual was hardly in a position to defend it. With the development of civilization it underwent restrictions, and justice requires that no one shall be spared these restrictions. Whatever makes itself felt in a human community as an urge for freedom may amount to a revolt against an existing injustice, thus favouring a further advance of civilization and remaining compatible with it. But it may spring from what remains of the original personality, still untamed by civilization, and so become a basis for hostility to civilization. The urge for freedom is thus directed against particular forms and claims of civilization, or against civilization as a whole. It does not seem as though any influence can induce human beings to change their nature and become like termites; they will probably always defend their claim to individual freedom against the will of the mass. ~ Sigmund Freud

The women I'm attracted to have to know their worth. That measurement can only be weighed from the inside, and when that's taken into account and she truly appreciates it? Everything on the outside of her becomes an asset. ~ Riley Murphy

Greatest sin of man kind: neglect to use his greatest asset. ~ Napoleon Hill

When the opportunities come, we may not want to buy another nickel asset, but if something comes cheap enough, we're all about return on equity. ~ Ivan Glasenberg

What's the difference between people who feel successful and people who feel they've failed? The answer is mindset: If you learn and grow from failure, suddenly it becomes a personal asset. People who are successful don't want instant gratification. They don't think about hitting a point of success and never working again. Instead they ask, How do I improve myself and continue to do that consistently over time? ~ Eben Pagan

Procrasdemon will steal the most valuable asset you have - time. ~ Neeraj Agnihotri

In various countries around the world, assets that had previously been in the hands of governments were sold off to the private sector in the hope that this would lead to a more efficient allocation, that these assets would be put to better use. ~ Eric Maskin

Accounting consequences do not influence our operating or capital-allocation decisions. When acquisition costs are similar, we much prefer to purchase $2 of earnings that is not reportable by us under standard accounting principles than to purchase $1 of earnings that is reportable. ~ Warren Buffett

As I get older, my sense of humor is my biggest asset. ~ David Alan Grier

Borrowing other people's culture and adopting other people's way of life does destroy nation's self-respect which is the greatest asset a true citizen can enjoy more than food and clothes, more than all amenities and more than military glory. You can adopt a system of government and a way of life, but can you adopt the past history, travail and tradition out of which that system of government and a way of life were evolved? Can we adopt King Charles, King John, Magna Carta and civil wars and Cromwell as our own? They can always say "We evolved a system and a way of life", but we must always sing in refrain, "We borrowed them". Adopting a culture is not the same as adopting the use of a gadget. It is like tying other peoples' mangoes to your tree, while plucking and throwing away your own. How absurd! ~ Manasa Rao

It is a mark of how far we have gone on the road to serfdom that government allocation and rationing of oil is the automatic response to the oil crisis. ~ Milton Friedman

She was pleased her demure stature was finally good for something. It was an advantage at last. A boon. An asset. A virtue - She stopped herself from continuing her synonym spiral. There was work to do. ~ Cynthia Hand

Besides a mathematical inclination, an exceptionally good mastery of one's native tongue is the most vital asset of a competent programmer. ~ Edsger W. Dijkstra

MBA students come out with: 'My staff is my most important asset.' Bullshit. Staff is usually your biggest cost. We all employ some lazy bastards who needs a kick up the backside, but no one can bring themselves to admit it. ~ Michael O'Leary

I'm required to do every job well enough that I'd use it as evidence in court - that doesn't come cheaply! Property is a critical asset for individuals. Maintaining the cadastre (legal survey fabric) is an important job and a valuable service. ~ Mark Mason

Life is a great asset we must all endeavor to acquire, keep and daily maintain it well with all due diligence, for without life, all other assets have no real meaning to our lives. ~ Ernest Agyemang Yeboah

I think physical comedy is an amazing asset because it tells a story that's more universal than just language and dialogue. I grew up watching Charlie Chaplin and Buster Keaton. They're very powerful figures in my life. ~ Josh Gad

I didn't belong as a kid, and that always bothered me. If only I'd known that one day my differentness would be an asset, then my early life would have been much easier. ~ Bette Midler

Self-discipline, as a virtue or an acquired asset, can be invaluable to anyone. ~ Duke Ellington

everything you touch will begin to transmute itself into an asset for your benefit. ~ Napoleon Hill

My soul is my great asset and my great misfortune. ~ D.H. Lawrence

There is an optimum rate of discounting the future - mathematically, an optimum interest rate - which depends on how long you expect to live, how likely you will get back what you saved, how long you can stretch out the value of a resource, and how much you would enjoy it at different points in your life (for example, when you're vigorous or frail). "Eat, drink, and be merry, for tomorrow we die" is a completely rational allocation if we are sure we are going to die tomorrow. What is not rational is to eat and drink as if there's no tomorrow when there really is a tomorrow. To be overly self-indulgent, to lack self-control, is to devalue our future selves too much, or equivalently, to demand too high an interest rate before we deprive our current selves for the benefit of our future selves. No plausible interest rate would make the pleasure in smoking for a twenty-year-old self outweigh the pain of cancer for her fifty-year-old self. ~ Steven Pinker

Age is as much an asset for character players as it is for good wine. Human experiences, both good and bad, leave their marks on one's face and bearing. A few lines on the face and a few gray hairs coupled with the idiosyncrasies an actor adopts throughout life help out round out the actor's personality. So far as I'm concerned, the older a character actor gets, the firmer his position is. ~ Strother Martin

Speed is a great asset; but it's greater when it's combined with quickness - and there's a big difference. ~ Ty Cobb

There are five main purposes of central bank cooperation" ... "the provision of international credits and joint efforts to influence asset prices (especially gold and foreign exchange) in circumstances where this might be thought useful. ~ William Smith White

Investing is an activity of forecasting the yield over the life of the asset; speculation is the activity of forecasting the psychology of the market. ~ John Maynard Keynes

It's really a great asset to be willing to fail and blow it, so to speak, and to be okay with just making stuff, sharing it and getting feedback. ~ Chase Jarvis

No group can survive, let alone thrive, unless what is good for the overall community is more important than individual freedom. Take, for example, resource allocation. How can anyone with any intelligence possibly justify, in terms of the overall community, the accumulation and hoarding of enormous material assets by a few individuals when others do not even have food, clothing, and other essentials?" In ~ Arthur C. Clarke

You become strong by doing the things you need to be strong for. This is the way genuine learning takes place. That's a very difficult way to live, but it also has served me. It's been an asset as well as a liability. ~ Audre Lorde

I grew up in Mexico, not the U.S., and the fact is that there just aren't any parts for Latin actresses. I have to persuade people that my accent won't be a problem, but an asset. ~ Salma Hayek

We as central bankers need not be concerned if a collapsing financial asset bubble does not threaten to impair the real economy, its production, jobs and price stability. ~ Alan Greenspan

We conclude that, simultaneously with the organization of the colleges, there should be at Santa Cruz an organization by disciplines, whose units would have a voice in appointments and promotions, in course of programs, and in the allocation of funds for research. ~ Abraham Robinson

Often it's when you come in contact with challenges other people find hard but you find easy that you know you're in possession of a valuable soft asset.3 ~ Reid Hoffman

We have seen that in order to be powerful we have to submit to the laws of the universal forces, and to realise in practice that they are our own. So, in order to be happy, we have to submit our individual will to the sovereignty of the universal will, and to feel in truth that it is our own will. When we reach that state wherein the adjustment of the finite in us to the infinite is made perfect, then pain itself becomes a valuable asset. ~ Rabindranath Tagore

Success in Iraq will be a major setback for terrorists and a major asset for the security of this region. The struggle for Iraq is the struggle for the future of the world. ~ Zalmay Khalilzad

First of all, being a woman is an incredible asset in many ways in making documentaries. You can be less intimidating, you have a heightened emotional sensitivity and you have the ability to listen to multiple conversations at one time and multi-task. ~ Ondi Timoner

Pride is a very dangerous disease that can turn your talent, asset, and achievements into a handicap. ~ Uzoma Nnadi