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The Certified Specialist in Planned Giving CM program is designed to teach the body of knowledge required for planned giving professionals and others who may be called upon to participate in the planned giving process. This mark provides training and knowledge in taxes, investments, financial planning, trusts and estates.
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Candidates are required to meet ethics standards and pass a certification examination covering the following areas: retirement planning, investing, estate planning, annuities, business insurance, employee benefits, life insurance and disability income insurance. To many employers, clients, and government leaders, the MAAA designation denotes professionalism and credibility.
The program covers personal financial planning and investment-related content. Individuals must complete all coursework and graduation requirements for the Master of Science degree. The PFS designation program addresses many areas of the financial planning process including estate planning, retirement strategy, investment selection, education planning, and risk management. Certificants are qualified to help clients understand the various options and nuances of financial services, capable of developing a customized plan services that fit their unique set of circumstances.
The Retirement Income Certified Professional SM designation is obtained by completing retirement planning course work that focuses on creating an effective retirement income plan for clients who are nearing or are in retirement. By completing coursework focused on key retirement issues such as income gaps, taxation, asset management, and estate planning, a Retirement Income Certified Professional SM is trained to help clients assess retirement preparedness and confidently address their income needs throughout retirement.
Strong overall consumer fundamentals such as a strengthening labor market, solid consumer confidence and improving household balance sheets could lead to above-average retail sales growth for the holiday season, in our view.
Risks include cost inflation, congested ports and a shortage of workers, all of which could have a dampening impact on holiday sales totals. The overall retail industry has experienced an average of 4. Here are additional holiday growth outlooks for compared to the prior year:. Several retail industry participants placed holiday season orders early this year, in anticipation of strong consumer demand and longer shipping times.
Historically, consumers have benefited from day-after-Thanksgiving Black Friday promotions and discounts. Promotional activity this season could be lower than previous years, in our view, because longer shipping times have lowered inventory levels for several retailers.
Typically, fewer promotional discounts could lead to higher gross profit margins for retailers, but we believe higher labor costs and increased global shipping costs could lead to relatively flat gross margins this holiday season. Compared to last year, retailers have one more day to attract shoppers — 29 days total between Thanksgiving and Christmas.
However, given the extra day is a weekday, we believe there could be a modest positive impact on total sales.
We believe apparel, accessories and jewelry could be category sales leaders for the holiday season. Given consumers are more frequently leaving home for work, school and social activities, there are more occasions to buy and wear apparel. In summary, we believe that retail industry holiday season sales growth could exceed consensus forecasts based on strong consumer fundamentals. If you have holdings in the Consumer Discretionary and Consumer Staples sectors, you could consider scheduling a portfolio review with your financial advisor.
The personalized advice they offer will help ensure investment selections remain appropriate for your financial goals, risk tolerance and time horizon. View more insights. John Snyder may only conduct securities business with residents of states in which the advisor is properly registered.
We already set Halloween early. If we look at the Christmas holiday, that is coming in earlier than we originally planned last year. So, I think we feel really nicely positioned. At the same Goldman conference on Sept. The views expressed in this article are as of the date published and are subject to change without notice at any time based upon market and other factors. All information has been obtained from sources believed to be reliable, but its accuracy is not guaranteed.
There is no representation or warranty as to the current accuracy, reliability or completeness of, nor liability for, decisions based on such information and it should not be relied on as such.
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