HoyleCohen Wealth Management

Congratulations to HC Senior Financial Planner, Ryan Ragoza, CFP? on completing the required coursework and fulfilling the number of years in field experience for the CFP? Designation (Certified Financial Planner). The CERTIFIED FINANCIAL PLANNER? certification is?the standard?for financial planning. CFP? professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow. The two-part education requirement includes both (1) completing coursework on financial planning through a CFP Board Registered Program, and (2) holding a bachelor's degree or higher (in any discipline) from an accredited college or university. The CFP? exam is a 170-question, multiple-choice test that consists of two 3-hour sessions over one day. The exam includes stand-alone and scenario-based questions, as well as questions associated with case studies. The experience requirement is a rigorous 4000-6000 hours of hands-on experience with a mentor(s) geared to prepare the trainee for successful client guidance. Thank you, Ryan, for your continued pursuit of knowledge and dedication to providing top-notch service to our clients. On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony.

Please join us in congratulating HC Wealth Advisor Ismar Zildzic on his completion of the required coursework and passing of the examinations for the ChFC Designation (Chartered Financial Consultant). The ChFC designation was rolled out by the American College of Financial Services in 1982 as a competitor to the CFP credential. It requires the same core curriculum needed for the CFP, plus additional coursework that further hones an applicant’s skills as a professional?wealth manager. To become a ChFC, a candidate needs to pass a total of eight courses covering all facets of financial planning. In addition, they need to have worked full-time for three of the last five years in a related field. An undergraduate or graduate degree from an accredited institution counts toward one year of business experience. Thank you, Ismar, for your continued pursuit of knowledge and top-notch service to our clients. On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony.

Happy Work Anniversaries to Brandon Bol, MSF, CFP? & Laurie Shandley. Your dedication to providing top-notch customer service and enhancing the lives of your co-workers, your communities, and our clients, is what makes HoyleCohen one of the best places to work in the industry. Thank you for all you do! On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony.

Tax loss harvesting is a tax strategy used to systematically or opportunistically sell specific securities at a loss to offset prior or planned realized capital gains. Tax loss harvesting reduces taxable capital gains or, in some cases, other types of income. In this piece written by our Invesment Operations Manager, Laurie Shandley, an overview of how tax loss harvesting works and the benefits and considerations when using this strategy are outlined. DISCLAIMER: The information provided here is general in nature and is shared for information purposes only; nothing herein should be interpreted as investment or tax advice. Any and all tax laws and/or specific tax rates referenced are subject to change. It should not be assumed that the future performance of any specific investment or investment strategy will be profitable. Always consult your CPA/tax advisor/attorney (or reach out to us;) to discuss your specific situation. All investments carry the risk of loss, including the permanent loss of principal. Past performance is no guarantee of future results. This information is as of September 1, 2024 but may be subject to change in the future.

In this latest edition of Econ Updates, Steve Taddie from HoyleCohen Wealth Management breaks down key economic trends, including higher growth, decreasing inflation, and improving forecasts for 2024. Watch for insights on stock market performance, job data, and the Federal Reserve’s next moves. Disclaimer: For information purposes only and should not be interpreted as legal, tax or financial advice. Always consult your CPA/tax advisor/attorney (or reach out to us) to discuss your specific situation. Past performance is no guarantee of future results. On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony. https://lnkd.in/g9vd4i_6

The teams at HoyleCohen are proud to announce that we have been ranked among the Best Places to Work in San Diego by the San Diego Business Journal. This marks our ninth consecutive year to have received the award for Best Places to Work and our fourth consecutive in the medium business category, now that we are 50+ employees! It is a testament to the culture we have created and continue to work hard to cultivate here at HoyleCohen. Creating an active culture within a business is no easy task; it takes resilience, many tough decisions, constant evolvement, and, most importantly, a strong team that believes in creating the best professional environment for all employees. Thank you to our incredible teams, as this honor belongs to all of our employees who work tirelessly to grow together and support each other with the shared goal of excellent client service provided from a place of mutual respect and passion. And thank you to the?San Diego Business Journal?for recognizing the region's best employers. Disclosures provided by San Diego Business Journal: Companies voluntarily participated in a two-part survey process to determine the Best Places to Work in San Diego. The first part consisted of evaluating each nominated company's workplace policies, practices, philosophy, systems, and demographics. The second part consisted of an employee survey to measure the employee experience. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process in San Diego, analyzed the data, and determined the final rankings. Additional Disclosures: HoyleCohen applied for this award, and the information for the ranking was compiled by HoyleCohen and may or may not be verified by Best Companies Group. The award should not be viewed as representative of any one client’s experience and should not be taken as an indication of performance by HoyleCohen and any of its clients. Neither HoyleCohen nor any of its employees were required to be a member of an organization to be eligible to receive this award. HoyleCohen did not pay a fee to apply for this award. However, the firm does purchase goods or services from the publisher of the award, such as subscriptions to the publication. On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony. The awards listed are based on information submitted by HoyleCohen prior to its merger into The Colony Group on September 1, 2024. ?

What makes a company a decent investment??? In this short video Steve Taddie & Kittiwat Sripom, CFP?dive deeper into how seemingly good companies might not always be good investments and vice versa. Analyzing factors that can affect the real, current, and future value of a company such as: - The state of the industry - Rising input costs - Inaccurate/underestimated market expectations - Investment in the future - The ability to navigate economic turmoil Ultimately our Investment Committee(s) and the teams we partner with look for and characterize companies that can often make good investments by looking at their management teams, where they are in relation to their peers/competition in their industries, what type of market share they hold (or are expected to hold), if they have a competitive advantage with respect to barriers for competition, and of course if they have a strong and healthy balance sheet with steadily growing revenues and earnings. For more information check out the full video by clicking below or reach out to us! https://lnkd.in/g9CcHy-m Disclaimer(s):?The information in this video is educational and general in nature and is not intended to be, nor should it be construed as, specific investment, tax, or legal advice. Individuals should seek advice from their wealth advisor or other tax advisors before undertaking actions in response to the matters discussed. Investments involve risks. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment.?All investments include risk of loss that clients should be prepared to bear. On 09/01/24, HoyleCohen, LLC ("HoyleCohen") merged with and into The Colony Group (“Colony”). Clients of HoyleCohen assigned their advisory agreements to Colony.

Planning for Medicare and other healthcare costs is a critical part of building a comprehensive retirement plan. We understand how daunting it can be to research and compare the many moving parts of Medicare and take that next step to enroll or change your plan. If you missed our hosted annual Medicare Made Clear?webinar you can check out the full recording by clicking below. Hosted by Diane Sampson of Sampson Insurance Services - A lot of information was addressed including eligibility criteria, enrollment timelines, coverage options, and Medicare Supplement vs. Medicare Advantage plans. Diane also talked about the very impactful changes coming to Part D Drug coverage in 2025 due to changes mandated in the Inflation Reduction Act. Enjoy! https://lnkd.in/gdj7Z9CQ *This event is only for educational purposes and no plan-specific benefits or details will be shared. The information in this presentation is educational and general in nature and is not intended to be, nor should it be construed as, specific investment, tax, or legal advice. Individuals should seek advice from their wealth advisor or other tax advisors before undertaking actions in response to the matters discussed.

"The economy has demonstrated more strength than many surveys and leading economic indicators have forecasted. Much of this is due to the resilience of our consumption-based economy, powered by employed consumers with real wage gains, and invested consumers with rising portfolio income powered by increasing portfolio values. This is important because consumption makes up roughly 65% of our economic activity (St. Louis Fed)." Check out the Q3 2024 Market Review by Steve Taddie, Peter Mueller and the Investment Committee here at HoyleCohen.

"Just because a company has a valuation multiple that is higher or lower than the “market” does not instantly make it expensive or cheap. You must go a bit deeper, understanding the company’s business environment, the make-up of the index used as a benchmark, and the rate of change expected in the metric used in the valuation analysis, as a starting point." What is the valuation of a company comprised of? Why do some companies trade at 5x PE ratio and some trade at 50? How do analysts produce earnings expectations? This short article by HC Senior Portfolio Manager, Steve Taddie, dives into some of the factors that affect the valuation of companies and how the market indexes are composed.