Published: Wed, 21 Oct 2020 15:59:41 +0000
Market Blog Now that we have your attention with that eye-grabbing title, there’s definitely something to the idea that stocks perform better the year after a sitting president wins reelection. “Think about it—usually when a president wins reelection, it means … Continue reading →
Published: Wed, 21 Oct 2020 14:59:01 +0000
Daily Insights Markets opened slightly lower. US equities are flat this morning following Tuesday’s solid session. Optimism over stimulus talk progress prevails, even though Senate approval may be a big hurdle to completing a deal. Improving earnings results so far … Continue reading →
Published: Tue, 20 Oct 2020 15:59:08 +0000
Market Blog The 10-year US Treasury yield, at 0.77% as of October 19, is still near historical lows set earlier this year. Historically, 10-year Treasury performance for the next 10 years has tended to track the Treasury yield at the … Continue reading →
Published: Tue, 20 Oct 2020 14:58:30 +0000
Daily Insights US equities look to rebound from Monday’s selloff. The S&P 500 Index opened higher this morning after lack of progress on stimulus talks contributed to broad-based losses Monday. Investors may start looking ahead to a post-election stimulus package, … Continue reading →
Published: Mon, 19 Oct 2020 14:58:15 +0000
Daily Insights Stocks opened higher. Reports over the weekend suggested the White House may be able strike a stimulus deal with the US House Democrats before the election, but the odds are still long, and early 2021 appears more likely. … Continue reading →
Published: Fri, 16 Oct 2020 20:00:21 +0000
Market Blog Index Performance S&P 500 Index: 0.2% Dow Jones Industrial Average: 0.1% Nasdaq Composite: 0.8% US and International Equities Markets generally finished higher this week, the third straight weekly gain for the S&P 500 Index and capped off by … Continue reading →
Published: Fri, 16 Oct 2020 15:58:23 +0000
Market Blog There are many charts that caught our attention this week, and today we share the top 5 charts we’re watching. The S&P 500 Index recently had a four-week losing streak and fell nearly 10% along the way, while … Continue reading →
Published: Fri, 16 Oct 2020 14:59:55 +0000
Daily Insights Markets opened higher. US equities opened higher, bucking the trend from Thursday’s mixed trading. The bulls are taking the lead this morning, brushing aside the resurgence of COVID-19 cases in Europe. House Speaker Nancy Pelosi and US Treasury … Continue reading →
Published: Thu, 15 Oct 2020 15:56:57 +0000
Economic Blog We continue to monitor real-time COVID-19 and economic data to provide insight into how the pandemic is affecting economies around the world. Traditional economic data sometimes can be too slow to pick up the changes that are occurring. … Continue reading →
Published: Thu, 15 Oct 2020 14:58:33 +0000
Daily Insights Stocks opened sharply lower. Stocks opened sharply lower in the face of dimming hopes of a pre-election stimulus package, rising jobless claims, and surging COVID-19 cases, particularly in Europe. Concerns that renewed restrictions would slow Europe’s economic recovery and … Continue reading →
Published: Wed, 14 Oct 2020 15:58:51 +0000
Market Blog With Election Day just under a month away and voting already taking place in many states, it is still anyone’s guess who will win on November 3. With all of the noise surrounding the election, we prefer to … Continue reading →
Published: Wed, 14 Oct 2020 14:58:17 +0000
Daily Insights Markets mixed overnight. S&P 500 Index opened little changed after taking a breather yesterday amid noisy headlines around fiscal stimulus and vaccine trials. Asian markets finished mixed with South Korea, China, and Australia trading lower, while European stocks … Continue reading →
Published: Tue, 13 Oct 2020 17:27:16 +0000
Market Blog The 10-year Treasury yield has stayed in a narrow range since April 2020, helped by a supportive Federal Reserve and ongoing concerns about the COVID-19 pandemic. As shown in LPL’s Chart of the Day, the 10-year Treasury yield … Continue reading →
Published: Tue, 13 Oct 2020 14:58:09 +0000
Daily Insights Stocks open slightly lower as earnings season begins. Once launched by Alcoa, the unofficial start to earnings season now begins with several financial firms reporting. The S&P 500 Index opened slightly weaker Tuesday morning following four straight up … Continue reading →
Published: Mon, 12 Oct 2020 14:58:42 +0000
Daily Insights Stocks add to last week’s solid gains. While most attribute the recent bump up in stocks to stimulus and position jockeying ahead of Election Day, earnings season has quietly snuck up on us and will be a big … Continue reading →
Published: Fri, 09 Oct 2020 20:03:07 +0000
Market Blog Index Performance S&P 500 Index: 3.7% Dow Jones Industrial Average: 3.3 % Nasdaq Composite: 4.6% US and International Equities The S&P 500 Index posted its best week in more than three months, boosted by renewed stimulus talks and … Continue reading →
Published: Fri, 09 Oct 2020 15:58:14 +0000
Market Blog In the recent LPL Market Signals video, LPL Financial Chief Market Strategist Ryan Detrick, Equity Strategist Jeff Buchbinder and Asset Allocation Strategist Barry Gilbert discussed the upcoming election, looking at it from all different angles, and more, including: … Continue reading →
Published: Fri, 09 Oct 2020 14:58:48 +0000
Daily Insights Markets move higher. US equity markets opened in the green following Thursday’s positive session. Renewed stimulus talks, with targeted business-aid hopes, are influencing today’s action. Asian markets were mixed, with China’s stock market higher after their holiday, while … Continue reading →
Published: Thu, 08 Oct 2020 15:59:41 +0000
Economics Blog Stimulus talks in Washington, DC, are getting a lot of attention from investors—and for good reason. The midpoint of the two offers—roughly $1.6 trillion from the White House and $2.2 trillion from US House Democrats—is about 9% of … Continue reading →
Published: Thu, 08 Oct 2020 14:58:15 +0000
Daily Insights Stocks opened higher. Sentiment is getting a lift this morning from speculation that piecemeal stimulus, if not more, may be forthcoming as Treasury Secretary Steven Mnuchin and House Speaker Nancy Pelosi are slated to talk again today. Markets also … Continue reading →
Published: Wed, 07 Oct 2020 16:59:13 +0000
Market Blog In the recent LPL Market Signals video, LPL Financial Chief Market Strategist Ryan Detrick and Equity Strategist Jeff Buchbinder discussed recent market volatility, the president contracting COVID-19, and more, including: COVID-19 in the White House The latest on … Continue reading →
Published: Wed, 07 Oct 2020 14:58:10 +0000
Daily Insights S&P 500 opens higher on better stimulus tone. Markets moved to a risk-off stance Tuesday after President Donald Trump halted stimulus negotiations. The S&P 500 Index finished the day down 1.4%, but the broad US index moved higher … Continue reading →
Published: Wed, 07 Oct 2020 14:58:04 +0000
Market Blog Stocks fared well during the third quarter despite September’s weakness, with the S&P 500 Index returning about 9%. The quarterly gain brought the return through the first nine months of the year to 5.6%. Here we peel back … Continue reading →
Published: Tue, 06 Oct 2020 16:01:18 +0000
Market Blog The third quarter was characterized by the carry-over of economic momentum from the second quarter, as states continued to lift restrictions to reopen their economies. Perhaps it was no surprise that some of the hardest hit and most … Continue reading →
Published: Tue, 06 Oct 2020 15:05:32 +0000
Daily Insights S&P 500 opens near flat following Monday rally. The MSCI Asia Pacific Index climbed overnight, although China’s markets were closed for a holiday. Most major European indexes are showing modest gains midday. Federal Reserve Chair Jerome Powell will … Continue reading →
Published: Tue, 06 Oct 2020 14:09:49 +0000
Market Blog Index Performance View expanded table. View expanded table. View expanded table. US and International Equities The S&P 500 Index gave back some gains in September after a strong five-month run, with most sectors finishing in the red. The … Continue reading →
Published: Mon, 05 Oct 2020 15:07:36 +0000
Daily Insights Stocks open solidly higher on President Trump’s improving health. Today the S&P 500 Index will try to start another winning streak coming off its first positive week in the last five. Reports that President Donald Trump may leave … Continue reading →
Published: Mon, 05 Oct 2020 15:01:51 +0000
Market Blog As concern over the upcoming election continues to build, one of the questions we’re getting is whether investors should sell ahead of the election for fear the party they don’t want to win takes over the White House. … Continue reading →
Published: Fri, 02 Oct 2020 20:04:54 +0000
Market Blog Index Performance S&P 500 Index: 1.8% Dow Jones Industrial Average: 1.9% Nasdaq Composite: 1.5% US and International Equities As news concerning President Trump affected Friday’s markets, the S&P 500 Index still managed to end the week higher. Energy has … Continue reading →
Published: Fri, 02 Oct 2020 17:57:59 +0000
Market Blog First and foremost, we wish President Donald Trump and First Lady Melania Trump a swift and full recovery. This October surprise raises the already high level of political uncertainty markets are dealing with as Election Day approaches. As … Continue reading →
Published: Fri, 02 Oct 2020 15:01:51 +0000
Daily Insights President Donald Trump and First Lady Melania Trump test positive for COVID-19. First, we wish the President and the First Lady a swift and full recovery. This October surprise raises the already high level of political uncertainty that … Continue reading →
Published: Thu, 01 Oct 2020 18:08:17 +0000
Economic Blog With the election drawing near, politicians, pundits, and especially voters will be paying even closer attention to the state of the US economy. It’s been a wild ride since the outbreak of COVID-19 around the world, and with … Continue reading →
Published: Thu, 01 Oct 2020 16:23:08 +0000
Market Blog “October: This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August, and February.” Mark Twain After a historic 60% rally, stocks pulled back … Continue reading →
Published: Thu, 01 Oct 2020 15:00:15 +0000
Daily Insights Stimulus hopes give stocks a lift. Stocks ended a down month with solid gains on Wednesday, the fourth gain in five sessions. Markets are looking to add to those gains this morning to kick off October (and the … Continue reading →
Published: Wed, 30 Sep 2020 17:58:27 +0000
Market Blog In the recent LPL Market Signals video, LPL Financial Chief Market Strategist Ryan Detrick and Equity Strategist Jeff Buchbinder discussed recent equity weakness and why it isn’t a major warning, along with COVID-19 worries and more, including: Recent … Continue reading →
Published: Wed, 30 Sep 2020 16:32:12 +0000
The first presidential debate is now in the books, with two more (maybe) ahead and a vice presidential debate on October 7. The debate was raucus, occasionally uncouth, and more than a little surreal for viewers at home. But did … Continue reading →
Published: Wed, 30 Sep 2020 15:05:55 +0000
Daily Insights Stocks opened higher. US equities reversed earlier losses following a contentious US presidential debate Tuesday night that raised more questions of a potentially contested election. On the flipside, House Speaker Nancy Pelosi noted positive discussions with US Treasury … Continue reading →
Published: Tue, 29 Sep 2020 16:00:03 +0000
Market Blog An old Wall Street adage says bond markets are smarter than equity markets, so when stocks encounter volatility, investors often look to the bond market for clues about the potential severity of equity market weakness. The option-adjusted spread … Continue reading →
Published: Tue, 29 Sep 2020 14:58:36 +0000
Daily Insights S&P 500 Index opens near flat after gains in four out of the last five sessions. US stocks saw broad gains Monday with a cyclical tilt as value stocks, led by energy and financials, kept pace with growth; … Continue reading →
Published: Tue, 29 Sep 2020 13:58:16 +0000
Market Blog The first presidential debate is tonight, September 29, with millions of people expected to tune in to see how each candidate handles the pressure. With tensions heightened amid an election that may be much closer than the polls … Continue reading →
In doing so, VyStar Investment Services is proud to have a relationship with LPL Financial, who offers a full range of investment products and services and enhanced technologies.
LPL Financial is a Registered Investment Advisor and a broker/dealer, which means that an LPL Financial Advisor can offer you both investment advisory and brokerage services. We want to make sure you are aware of some of the important considerations you need to take into account when deciding which type of service serves your investment goals and needs.
LPL Financial is a Registered Investment Advisor with the Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940. As a Registered Investment Advisor, LPL Financial is a fiduciary to its advisory clients and, as such, is obligated to act solely in the best interests of clients and make full and fair disclosure of all material conflicts of interest. LPL Financial and its financial advisors offer a number of investment advisory programs and services, including discretionary wrap programs such as Strategic Asset Management (SAM), Model Wealth Portfolios (MWP) and Personal Wealth Portfolios (PWP), mutual fund asset allocation programs such as Optimum Market Portfolios (OMP) and financial planning services.
Under its investment advisory programs and mutual fund asset-allocation programs, LPL Financial and its financial advisors provide ongoing investment advice and monitoring of client portfolios. These services may be on a discretionary basis, which means that you do not need to direct your LPL Financial Advisor to make trades, rebalance your portfolio or make other investment decisions for your account. For such services, clients pay LPL Financial a fee for investment management, brokerage, custody and administrative services. The fee, which is negotiated between the LPL Financial Advisor and client, is typically a percentage fee based on the value of the assets in the account. These ongoing services and fees are set out in the Investment Advisory Agreement between LPL Financial and the client, which can be terminated at any time by the client.
As an alternative, or in addition to ongoing investment advice in an advisory program, clients may engage with an LPL Financial Advisor for financial planning services. The client pays a flat fee or hourly fee for this type of service, which is not ongoing. As noted above, when LPL Financial acts as a Registered Investment Advisor, it is required to disclose all material conflicts of interest between LPL Financial and its advisory clients. LPL Financial delivers to its advisory clients at the time of engagement a Form ADV disclosure brochure that contains important information about LPL Financial and the LPL Financial Advisor, the advisory services to be provided, the fees to be paid for such services, and material conflicts of interest. Such disclosure brochures may be obtained by visiting www.lpl.com and selecting “Working with an Advisor,” then “Learn More About Disclosure.” When considering whether to engage an LPL Financial Advisor, it is important that you carefully read the account agreements and disclosures that are provided to you.
Investing in mutual funds involves risk, including possible loss of principal. Asset allocation does not ensure a profit against a loss.
LPL Financial is also a broker/dealer registered with the SEC and a member of the Financial Industry Regulatory Authority (FINRA). In addition, LPL Financial is registered as a broker/dealer with each of the 50 states. As a broker/ dealer, LPL Financial includes the following services:
In a brokerage relationship, clients typically pay a commission to LPL Financial on each transaction in the account. The amount of the commission in a brokerage relationship varies depending on the security or investment product selected by the client. For mutual funds, the commission or sales load is typically paid upfront, is charged directly against the investment and is based on the amount of assets invested. For example, if you have $1,000 and want to invest it in a mutual fund Class A share with a 5% front-end load through a brokerage relationship, the $50 sales charge you must pay comes off the top, and the remaining $950 is invested in the fund. Mutual funds typically offer multiple share classes that have different fees and expenses and pay brokers in different ways. The applicable sales charge is described in the prospectus or other offering document of the investment product provided to the client in connection with the investment. As a broker/dealer, LPL Financial may also receive other types of fees and compensation, such as trail payments (also called 12b-1 fees) and markups.
When LPL Financial acts as a broker/dealer, it has a duty to deal fairly with its brokerage clients. When an LPL Financial Advisor makes a recommendation about a security in a brokerage relationship, LPL Financial has an obligation to determine that the recommendation is suitable for the client based on the client’s stated investment objective, risk tolerance, tax status and other financial information provided by the client. The LPL Financial Advisor has no duty to provide ongoing investment advice with respect to a brokerage account. LPL Financial does not take discretion from its brokerage clients; in other words, LPL Financial will only place transactions for its brokerage clients upon direction from the client. The LPL Financial obligation to disclose detailed information to clients about the nature and scope of its business, fees, conflicts of interest and other matters is more limited.
Investing in mutual funds involves risk, including possible loss of principal.
In some cases, an advisory relationship may cost you more than a brokerage relationship. However, in other cases, a brokerage relationship may cost you more. These questions and the information above will help you determine what level of service and pricing structure is appropriate for you. Keep in mind that your needs and goals may change over time, and how you transact business with your LPL Financial Advisor may change as well. As such, this should be a topic you review with your LPL Financial Advisor over the course of your relationship. If you have any questions about the differences between an advisory and brokerage relationship, you should ask your LPL Financial Advisor, who is a valuable resource to help you make the investment decisions that are suitable for you.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
Contact a VyStar Investment Services LPL Financial Advisor today by phone (904) 908-2495 or email VISMarketing@vystarcu.org.
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