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Ally Bank Financial Advisor: A Comprehensive Guide to Financial Planning
Author: Sarah Miller, CFP®, ChFC® – Sarah is a Certified Financial Planner® and Chartered Financial Consultant® with over 15 years of experience in the financial services industry. She specializes in advising clients on retirement planning, investment strategies, and wealth management. Her expertise includes working with clients who utilize online banking platforms such as Ally Bank.
Publisher: Financial Planning Insights – Financial Planning Insights is a leading publisher of financial literacy resources, offering in-depth analyses and practical guidance on various financial planning topics. Their team consists of experienced financial professionals and editors dedicated to providing accurate and unbiased information.
Editor: David Lee, CFA – David is a Chartered Financial Analyst (CFA) with extensive experience in investment management and financial analysis. He has reviewed and edited numerous publications on financial planning and investment strategies.
Keywords: Ally Bank financial advisor, Ally Invest, financial planning, retirement planning, investment strategies, wealth management, online financial advisor, digital financial advice, Ally Bank financial services, robo-advisor, hybrid advisor.
Understanding the Ally Bank Approach to Financial Advice
Ally Bank, known for its high-yield savings accounts and online banking services, offers financial guidance through Ally Invest. While not employing traditional, in-person financial advisors in the same way as some brick-and-mortar institutions, Ally provides several avenues for financial advice catering to different needs and investment styles. Understanding the nuances of the "Ally bank financial advisor" experience is crucial for determining its suitability for your individual circumstances.
1. Robo-Advisors: Automated Financial Planning
Ally Invest's core offering is a robo-advisor platform. This means your investment strategy is largely managed by algorithms and sophisticated software. The "Ally bank financial advisor" in this context is a technological system that assesses your risk tolerance, financial goals (retirement, education savings, etc.), and time horizon to create a personalized portfolio. This portfolio is typically diversified across various asset classes, such as stocks, bonds, and ETFs, aiming for optimal returns based on your profile. The advantages are low fees and 24/7 access, making it convenient for those comfortable with a largely automated approach. However, direct human interaction is limited.
2. Hybrid Approach: Blending Technology and Human Expertise
Ally Invest also offers a hybrid approach, bridging the gap between fully automated robo-advising and traditional financial advisory services. While not explicitly labeled as an "Ally bank financial advisor" in the traditional sense, this option provides access to human financial professionals for specific needs. You might consult with an advisor for more complex planning, such as estate planning, or to discuss significant life changes affecting your financial goals. This blend offers the convenience of technology with the personalized touch of human interaction when needed.
3. Educational Resources: Empowering Informed Decisions
Ally Bank recognizes the importance of financial literacy. Their website provides a wealth of educational resources, articles, and tools designed to help you understand investment strategies, retirement planning, and other crucial financial topics. While not direct advisory services, these resources empower you to make more informed decisions and better manage your finances, complementing any services you receive through Ally Invest. This indirect support functions as a form of supplementary "Ally bank financial advisor" assistance.
4. Investment Options and Strategies
The Ally Invest platform offers a range of investment options, catering to various risk tolerances and investment goals. From low-cost ETFs to actively managed funds, the available choices are designed to help you build a diversified portfolio aligned with your financial aspirations. The allocation strategy, largely determined by the robo-advisor or in consultation with a human advisor if you choose the hybrid approach, is key to long-term financial success. Understanding your investment options and aligning them with your "Ally bank financial advisor" strategy (whether automated or hybrid) is paramount.
5. Fee Structure and Transparency
Transparency is a key feature of Ally Invest. The fees are clearly outlined, providing a clear picture of the costs associated with managing your investments. This transparency helps you understand the value proposition and compare it to other investment options. Understanding the fee structure is crucial when considering whether the "Ally bank financial advisor" services are cost-effective for your specific circumstances.
Methodologies and Approaches Used by Ally Bank Financial Advisors (Indirect and Hybrid)
The methodologies employed by Ally Invest leverage modern portfolio theory (MPT) and other quantitative investment strategies. Risk tolerance questionnaires, sophisticated algorithms, and diversified portfolio construction are central to their approach. The hybrid model incorporates elements of behavioral finance, recognizing the psychological biases that can influence investment decisions. Human advisors, when consulted, may use more qualitative methods, tailoring strategies to individual circumstances and goals.
Comparing Ally Bank Financial Services to Traditional Advisors
Unlike traditional financial advisors who often charge higher fees based on assets under management (AUM), Ally Invest offers a more transparent and potentially less expensive approach. However, the level of personalized attention is different. If you require extensive hand-holding and personalized attention for complex financial situations, a traditional advisor may be a better fit. Ally Bank's offerings are best suited for those comfortable with a greater level of self-management and who appreciate the convenience and cost-effectiveness of technology-driven solutions.
Conclusion
Ally Bank, through Ally Invest, offers a unique approach to financial advice, blending technology and human expertise to cater to diverse needs and preferences. While not a traditional "Ally bank financial advisor" in the sense of a dedicated personal advisor, their robo-advisor and hybrid options provide accessible and relatively cost-effective financial guidance. The educational resources further enhance the value proposition, empowering individuals to make well-informed financial decisions. Determining the suitability of Ally Invest depends on your individual financial goals, risk tolerance, and comfort level with technology-driven solutions.
FAQs
1. What is the minimum investment required to use Ally Invest? There's no minimum investment requirement for most Ally Invest accounts.
2. What types of accounts does Ally Invest offer? Ally Invest offers brokerage accounts, IRAs (Traditional and Roth), and 529 plans.
3. How much do Ally Invest's services cost? Ally Invest’s fees are clearly outlined on their website and vary depending on the specific account and services utilized.
4. Is Ally Invest FDIC insured? Ally Invest accounts are not FDIC insured; however, securities held in brokerage accounts are protected against brokerage firm failure through the Securities Investor Protection Corporation (SIPC).
5. Can I access my Ally Invest account 24/7? Yes, you can access your account anytime through their online platform or mobile app.
6. What is the difference between Ally Bank and Ally Invest? Ally Bank offers traditional banking products like savings accounts and checking accounts, while Ally Invest focuses on investment management.
7. Can I speak to a human advisor with Ally Invest? While the core offering is robo-advisory, Ally Invest's hybrid options allow for consultations with human financial professionals for specific needs.
8. How do I choose the right investment portfolio with Ally Invest? Ally Invest uses a questionnaire to assess your risk tolerance and financial goals to recommend a suitable portfolio.
9. What happens if the market declines significantly? Ally Invest’s diversified portfolios are designed to mitigate risk. However, all investments carry risk, and market fluctuations can affect the value of your investments.
Related Articles
1. Ally Invest Robo-Advisor Review: A detailed review of Ally Invest's robo-advisor platform, including its features, fees, and performance.
2. Ally Invest vs. Betterment: A comparison of Ally Invest and Betterment, highlighting their strengths and weaknesses.
3. Ally Invest vs. Schwab Intelligent Portfolios: A comparison of Ally Invest and Schwab Intelligent Portfolios, examining their different features and fee structures.
4. Understanding Ally Invest's Fee Structure: A comprehensive guide explaining the different fees charged by Ally Invest.
5. Retirement Planning with Ally Invest: How to utilize Ally Invest for planning a comfortable retirement.
6. Building a Diversified Portfolio with Ally Invest: Strategies for creating a well-diversified investment portfolio using Ally Invest's tools.
7. Ally Invest for Beginners: A beginner-friendly guide to using Ally Invest's platform.
8. Tax Implications of Investing with Ally Invest: An explanation of the tax implications associated with investing through Ally Invest.
9. Ally Invest Customer Service Review: A review of Ally Invest's customer service, covering responsiveness and helpfulness.
| ally bank financial advisor: Soldier of Finance Jeff Rose, 2013-09-03 Too much debt? Not enough savings? It's time to become a battle-ready financial warrior, prepared to tackle any money challenge. Modeled on the Soldier's Handbook, which is issued to all new U.S. Army recruits, Soldier of Finance is a no-nonsense, military-style training manual to overcoming financial obstacles and building lasting wealth. Financial planner and experienced army veteran Jeff Rose has divided this book into 14 modules, each section covering an essential element of financial success. You will learn how to: Evaluate your position and commit to change Target and methodically eliminate debt Clean up your credit report Create tactical budgets Build emergency savings Invest for the short and long term Determine an affordable mortgage size, insurance needs, and more. Complete with tales from the trenches and useful tools including quizzes, debriefings, and more, Soldier of Finance is the survival guide you need to face down your finances and bring order and prosperity to your life. |
| ally bank financial advisor: Retire Inspired Chris Hogan, 2016-01-12 When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. But for too many Americans, that's the fate that awaits unless they take steps now to plan for the future. Whether you're twenty five and starting your first job or fifty five and watching the career clock start to wind down, today is the day to get serious about your retirement. In Retire Inspired, Chris Hogan teaches that retirement isn't an age; it's a financial number an amount you need to live the life in retirement that you've always dreamed of. With clear investing concepts and strategies, Chris will educate and empower you to make your own investing decisions, set reasonable expectations for your spouse and family, and build a dream team of experts to get you there. You don't have to retire broke, stressed, and working long after you want to. You can retire inspired! |
| ally bank financial advisor: Creating Strategic Value through Financial Technology Jay D. Wilson, Jr., 2017-03-23 Lessons in innovation from key FinTech trends and successes Creating Strategic Value through Financial Technology explores the growing Financial Technology (FinTech) industry to provide insight on how traditional financial institutions and FinTech companies can boost innovation and enhance valuation in a complex regulatory environment. In plumbing the depth and breadth of several niches within in the FinTech sector, author Jay Wilson uncovers key themes that have contributed to the industry's success; in this book, he maps them together to provide useful guideposts for investors, entrepreneurs, and traditional institutions looking to facilitate growth as technology and financial services collide. With an expert's perspective on FinTech history and outlook, certain trends and examples of value-enhancing strategies stand out. FinTech niches covered include: payments, crowdfunding, alternative/marketplace lending, the blockchain, and technology solutions in the context of banking, insurance, and investment companies. There is no denying the growing importance of technology in the financial services industry, and the FinTech sector offers valuable solutions for a diverse array of financial services providers and their customers. This book guides you through several niches of the FinTech sector, and highlights the most important takeaways from recent endeavors. Navigate the financial technology sector Enhance customer and product offerings Improve efficiency and cost structure Enhance profitability and company valuation from the intersection of technology and finance Innovation and customer preference is a key driver of FinTech's growth. Customers are demanding better value and convenience, and the organizations that provide it are reaping the rewards of growth. As financial regulations grow more and more complex, and customers are presented with more and more options, it is becoming imperative for traditional institutions to modernize processes and carve out a place in the future of financial services. Creating Strategic Value through Financial Technology provides a handbook for navigating that space, with practical guidance on how FinTech companies and traditional financial institutions can enhance profitability and valuation from the trends. |
| ally bank financial advisor: Fintech and Cryptocurrency Mohd Naved, V. Ajantha Devi, Aditya Kumar Gupta, 2023-10-23 FINTECH and CRYPTOCURRENCY Dive into the world of fintech and cryptocurrency through the engaging perspectives of this diverse group of authors and uncover the intricate connections between technology, finance, and cryptocurrency that make this a must-have for anyone intrigued by the future of digital society. Digital currencies, decentralization of money, and the growth of new technologies like blockchain, the Internet of Things, and machine learning have produced new opportunities and difficulties for banking and finance, as well as users of these services in electronic commerce. New banking and finance technologies may improve operational efficiency, risk management, compliance, and client pleasure, but they can decrease barriers and introduce new concerns, such as cybersecurity risk. Cryptocurrencies with smart contracts for payments and trading, as well as AI systems with adaptive algorithms that allow picture and speech recognition, expert judgement, group categorization, and forecasting in a variety of fields, are instances of increased automation. Simultaneously, the potentials pose risks and raise regulatory concerns. The rise of blockchain technology and its widespread use have had a significant impact on the operation and management of digital systems. At the same time, researchers and practitioners have paid close attention to digital finance. Blockchain’s first applications were limited to the production of digital currency, but it has now been expanded to include financial and commercial applications. Innovative digital finance has had a huge impact on business and society since it has been extensively adopted by businesses and consumers. As a result, the goal of this edited book is to expand and deepen our knowledge of the business possibilities of novel blockchain and digital financial applications. |
| ally bank financial advisor: The Perfect Fit Lynne Henderson Marks, Dominique Isbecque, 2002-10 Image Consulting has been identified as one of the top home-based professions for the new millennium. This is the first book that outlines in detail how to design an image consulting business, the training you will need and how to market and promote your services. Also included is a section on resources, sample documents, media lists and consulting tools and training. This is a MUST HAVE if you want to start a successful image business. |
| ally bank financial advisor: Rich Bitch Nicole Lapin, 2015-03-01 Talking about money sucks; but so does being broke. Do your eyes glaze over just thinking about the mumbo-jumbo of finance? Do you break out into hives at the thought of money? Well, sister, you are not alone. In RICH BITCH, money expert and financial journalist Nicole Lapin lays out a 12-Step Plan in which she shares her experiences, mistakes and all, of getting her own finances in order. No lecturing, just help from a friend. And even though money is typically an off-limits conversation, nothing is off-limits here. Lapin rethinks every piece of financial wisdom you've ever heard and puts her own fresh, modern, sassy spin on it. Sure, there are some hard-and-fast rules about finance, but when it comes to your money, the only person who can spend it is you. Should you invest in a 401(k)? Maybe not. Should you splurge on that morning latte? Likely yes. Instead of nickel-and-diming yourself, Nicole's advice focuses on investing in yourself so you don't have to stress over the little things. But in order to do that, you have to be able to speak the language of money. After all, money is a language like anything else, and the sooner you can join the conversation, the sooner you can live the life you want, RICH BITCH rehabs whatever bad habits you might have and provides a plan you can not only sustain, but thrive with. It's time to go after the rich life you deserve, and confident enough to call yourself a RICH BITCH. |
| ally bank financial advisor: New Every Day Dave Meurer, 2018-11-20 Alzheimer's. It barges into your life, breaks your heart, bewilders your mind, disrupts your plans, impacts your finances, and consumes enormous amounts of time and energy. When someone you love has Alzheimer's, you need more than just information on the disease--you need a break. You need a laugh. You need a friend by your side who knows exactly what you're going through. Award-winning humorist Dave M. Meurer is that friend. Packed with practical information--like how to get the DMV to take away the car keys or how you shouldn't insist on correcting your loved one's misperceptions--and plenty of true stories from his own experiences navigating life with a loved one who suffers from Alzheimer's, New Every Day offers hard-earned wisdom and even some badly needed comic relief for readers journeying down this difficult road. With compassion born of experience, Meurer helps caregivers develop the ability to relax, adapt, and even sometimes laugh again. |
| ally bank financial advisor: Introduction to Information Systems R. Kelly Rainer, Brad Prince, 2021-08-17 Introduction to Information Systems, 9th Edition teaches undergraduate business majors how to use information technology to master their current or future jobs. Students develop a working understanding of information systems and information technology and learn how to apply concepts to successfully facilitate business processes. This course demonstrates that IT is the backbone of any business, whether a student is majoring in accounting, finance, marketing, human resources, production/operations management, or MIS. |
| ally bank financial advisor: The Index Card Helaine Olen, Harold Pollack, 2016-01-05 “The newbie investor will not find a better guide to personal finance.” —Burton Malkiel, author of A RANDOM WALK DOWN WALL STREET TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse. They’re wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4 x 6 card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life. |
| ally bank financial advisor: The Market for Retirement Financial Advice Olivia S. Mitchell, Kent Smetters, 2013-10-31 The market for retirement financial advice has never been more important and yet more in flux. The long-term shift away from traditional defined benefit pensions toward defined contribution personal accounts requires all of us to be more sophisticated today than ever before. However, the landscape for financial advice is changing all over the world, with new rules and regulations transforming the financial advice profession. This volume explores the market for retirement financial advice, to explain what financial advisors do and how to measure performance and impact. Who are these professionals and what standards must they abide by? How do they make money and what are their incentives? How can one protect clients from bad advice, and what is good advice? Does advice alone effect changes in personal habits? Answering these questions, along with new technology that will decrease the delivery costs of advice, will play a transformative role in helping more households receive the quality financial advice that they need. Accordingly, this volume illuminates the market and regulatory challenges so as to enhance consumer, plan sponsor, and regulator decisions. |
| ally bank financial advisor: Fund Your Future Julie Stav, 2004-05-31 The popular television financial planner and broker shares the secrets of making one's long-term financial goals come true, explains how to set financial goals, and offers helpful advice on how to get the most out of one's mutual funds and 401(k) plans. Reprint. |
| ally bank financial advisor: Ernst & Young's Personal Financial Planning Guide Ernst & Young LLP, Martin Nissenbaum, Barbara J. Raasch, Charles L. Ratner, 2004-10-06 If you want to take control of your financial future and unlock thedoors to financial success, you must have a plan that will allowyou to find good investments, reduce taxes, beat inflation, andproperly manage money. Whether you're new to financial planning or a seasoned veteran,this updated edition of Ernst & Young's Personal FinancialPlanning Guide provides valuable information and techniques you canuse to create and implement a consistent personalized financialplan. It also takes into consideration the new tax rules thataffect home ownership, saving for college, estate planning, andmany other aspects of your financial life. Filled with in-depth insight and financial planning advice, thisunique guide can help you: * Set goals * Build wealth * Manage your finances * Protect your assets * Plan your estate and investments It will also show you how to maintain a financial plan inconjunction with life events such as: * Getting married * Raising a family * Starting your own business * Aging parents * Planning for retirement Financial planning is a never-ending process, and with Ernst &Young's Personal Financial Planning Guide, you'll learn how totailor a plan to help you improve all aspects of your financiallife. |
| ally bank financial advisor: Form 10-K. United States. Securities and Exchange Commission, 1949 |
| ally bank financial advisor: The Financial Advisor's Success Manual David Leo, Craig Cmiel, 2017-12-07 Do you want to become a million-dollar financial advisor, boost client satisfaction, and dramatically expand your business? This book provides all the answers and strategies you need to do just that. Complete with proven techniques, expert insights, and practical tips to maximize your profitability, The Financial Advisor’s Success Manual will show you how to break the cycle of moderate growth by teaching you how to: Develop a differentiation strategy Define and implement your six core client-facing processes Balance the cost of services with the value delivered Enhance client loyalty Perfect your personal marketing and sales approach You didn’t start your financial services firm with a goal of modest gains. So don’t settle for that! By implementing the methodologies and strategies in this manual, you can grow your business beyond your wildest expectations--all while serving your clients better. |
| ally bank financial advisor: Investor and Industry Perspectives on Investment Advisers and Broker-Dealers Angela A. Hung, Noreen Clancy, Jeff Dominitz, Eric Talley, Claude Berrebi, 2008-03-12 In theory, financial professionals are relatively distinct: A broker-dealer conducts transactions in securities on behalf of itself and others; and an investment adviser provides advice to others regarding securities. Different laws regulate each type of professional, but boundaries have blurred. This report examines current business practices and investor understanding of each type. |
| ally bank financial advisor: Intelligent M & A Scott Moeller, Chris Brady, 2014-06-23 Almost 70% of mergers fail, yet deals are essential for growing world-class companies. Therefore they must use all the tools and techniques at their disposal to improve their chances of success. Applying the techniques advocated in this book can help managers beat the odds - and employees themselves - to have an impact on whether a deal will be successful both for the company and for themselves. This book looks at the process of a merger or acquisition and pinpoints the areas where business intelligence can raise the odds of success in each phase of the deal. Using techniques developed by governmental intelligence services and a wide range of recent case studies, quotations and anecdotes, the expert authors from the renowned Cass Business School show how to build success into any M&A situation. The first edition of Intelligent M&A was written in 2006 and published in 2007. This preceded the peak year (2007) of the last merger wave, including the excesses in a number of industries and deals (e.g., financial services with RBS’ dramatically failed acquisition of ABN AMRO as a key example), and the global economic downturn that led to a completely new way of operating for many industries and companies. Therefore, there is a need to update the book to incorporate not just more relevant and up-to-date case studies of deals but to show the ‘new’ way of operating in a post-Lehman environment. Chapters will be comprehensively re-written and populated with new and relevant case studies. |
| ally bank financial advisor: Personal Finance Workbook For Dummies Sheryl Garrett, 2012-02-01 Hands-on tools and strategies to boost your financial fitness From analyzing assets to planning for retirement, this new edition of Personal Finance Workbook For Dummies gives you the information and resources you need to get your finances under control. Personal Finance Workbook For Dummies walks you through a private financial counseling session, using worksheets, checklists, and formulas for assessing financial health, providing for day-to-day financial management, making wise financial decisions, and investing for financial growth. Addresses the latest changes in tax and credit laws and regulations Strong focus on behavioral finance and how these issues impact decision-making with regard to personal money management Tips to plan for big-ticket purchases Expanded coverage on building and managing wealth Information on how effective asset allocation can help reduce volatility and/or increase opportunity Websites and ideas on how to get the most bang for your buck in everyday household expenditures From budgeting and cutting expenses to getting out of debt and planning for retirement, Personal Finance Workbook For Dummies is a solution for those looking to avoid bankruptcy as well as those looking for something to help them plan for a successful financial future. |
| ally bank financial advisor: Research Handbook on Alternative Finance Franklin Allen, Meijun Qian, 2024-04-12 Promoting a comparative perspective, this comprehensive Research Handbook aids in the understanding of alternative finance and its values in a global setting. Readers are encouraged to view alternative finance through the lens of economic mechanisms rather than terminology. |
| ally bank financial advisor: Robo-Advisors in Management Gupta, Swati, Taneja, Sanjay, Kumar, Vijay, Ozen, Ercan, Vardari, Luan, 2024-04-22 In the ever-evolving landscape of management, the introduction of robo-advisors has introduced challenges and opportunities that require careful examination. Organizations grapple with the profound impact of these automated systems on decision-making processes, resource allocation, and strategic planning. The need for a comprehensive understanding of how robo-advisors integrate into various management functions and sectors has become paramount. Decision-makers, researchers, and students seeking clarity in this transformative period are faced with a shortage of literature that bridges theoretical insights with practical applications. Robo-Advisors in Management stand out as a pioneering solution to this crucial gap in the existing body of knowledge. This book does not merely explore the challenges presented by robo-advisors; it delves into the heart of these challenges and navigates the diverse applications of these technologies in sectors ranging from wealth management to healthcare and real estate. By seamlessly blending theoretical foundations with real-world scenarios, the book equips both professionals and academics with the tools needed to comprehend and harness the potential of robo-advisors. It is an invaluable resource for decision-makers looking to optimize their strategies, researchers seeking in-depth insights, and students aspiring to navigate the intersection of management and fintech. |
| ally bank financial advisor: Mediaweek , 1995 |
| ally bank financial advisor: Savings Fitness Barry Leonard, 2007-12 Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations. |
| ally bank financial advisor: The Physician's Guide to Personal Finance Jeff Steiner, 2013-08-10 An outline review of personal finance for physicians. |
| ally bank financial advisor: One Year to an Organized Financial Life Regina Leeds, Russell Wild, 2009-12-29 The New York Times-bestselling author of One Year to an Organized Life delivers a weekly system to ease financial worries by getting organized. |
| ally bank financial advisor: Risk Profiling and Tolerance: Insights for the Private Wealth Manager Joachim Klement, 2018-05-01 If risk aversion and willingness to take on risk are driven by emotions and we as humans are bad at correctly identifying them, the finance profession has a serious challenge at hand—how to reliably identify the individual risk profile of a retail investor or high-net-worth individual. In this series of CFA Institute Research Foundation briefs, we have asked academics and practitioners to summarize the current state of knowledge about risk profiling in different key areas. |
| ally bank financial advisor: Two Couples William Flagg Magee, 2018-02-02 While home from training with the Marine Corps, Mark runs into his old friend Allison. Theyve known each other for years, spending summers hanging out, although nothing romantic has ever flourished between them. In fact, she wants to set him up on a blind date. Her roommate, Sophie, is visiting with her brother, Brian, and Allison thought they all might get along. This double blind date sets things in motion that none of the participants could have guessed. The minute Sophie sees Mark, she falls in lovealthough he takes some convincing. Allison ends up seducing Brian on their first date. Hesitant, insecure, and inexperienced, Brian is a slow learner when it comes to relationships, but he figures things out quickly enough. Amazingly, the two couples get married four days later. As the years pass, their journeys lead in opposite directions, but the bonds of friendship keep each couple close. Their love is sometimes stretched but never breaks. Despite drama, the couples handle problems on a united front. Not all sudden marriages last, but some last forever when true love arrives unannounced. |
| ally bank financial advisor: How to Invest in Structured Products Andreas Bluemke, 2009-09-15 This book is essential in understanding, investing and risk managing the holy grail of investments - structured products. The book begins by introducing structured products by way of a basic guide so that readers will be able to understand a payoff graphic, read a termsheet or assess a payoff formula, before moving on to the key asset classes and their peculiarities. Readers will then move on to the more advanced subjects such as structured products construction and behaviour during their lifetime. It also explains how to avoid important pitfalls in products across all asset classes, pitfalls that have led to huge losses over recent years, including detailed coverage of counterparty risk, the fall of Lehman Brothers and other key aspects of the financial crisis related to structured products. The second part of the book presents an original approach to implementing structured products in a portfolio. Key features include: A comprehensive list of factors an investor needs to take into consideration before investing. This makes it a great help to any buyer of structured products; Unbiased advice on product investments across several asset classes: equities, fixed income, foreign exchange and commodities; Guidance on how to implement structured products in a portfolio context; A comprehensive questionnaire that will help investors to define their own investment preferences, allowing for a greater precision when facing investment decisions; An original approach determining the typical distribution of returns for major product types, essential for product classification and optimal portfolio implementation purposes; Written in a fresh, clear and understandable style, with many figures illustrating the products and very little mathematics. This book will enable you to better comprehend the use of structured products in everyday banking, quickly analyzing a product, assessing which of your clients it suits, and recognizing its major pitfalls. You will be able to see the added value versus the cost of a product and if the payoff is compatible with the market expectations. |
| ally bank financial advisor: Worry Free Retirement Brian Fricke, 2008-11 It takes more than money to be able to Do What You Want, When You Want, Where You Want. Brian Fricke (Certified Financial Planner) gives you simple and easy to understand terms with real-life examples. Yes, names and circumstances have been changed to protect client confidentiality. Full of practical proven and street tested strategies. Now, with WORRY FREE RETIREMENT, Fricke one of Americas Top Wealth Managers shares with you the same advice and strategies he gives to his clients. Written in simple and easy to understand plain English. He reveals stuff like: The single biggest Money Mistake couples make. Should you pay off your mortgage? My $10,000 challenge. Don't be an ATM to your kids or grandkids. Tax strategies you must know about. Your biggest risk if you retire before age 65. Do you really need life insurance at retirement? Silly, stupid mistakes I've seen people make and Much more! |
| ally bank financial advisor: Broke Millennial Takes On Investing Erin Lowry, 2019-04-09 A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth. |
| ally bank financial advisor: The Youth Advisor Anthony Kent, 2015-05-05 The Youth Advisor: A Young Adult's Guide to Success is a non-fictional manuscript. The parable focuses on preventive measures for our youth that will keep them from making costly mistakes, while giving them additional tools to help achieve financial success. The book provides factual stories and advice to make sure young adults graduate from high school and college successfully, while budgeting money effectively; so that he or she may purchase a car, buy a home, and invest money for retirement. |
| ally bank financial advisor: The Financial Crisis Inquiry Report Financial Crisis Inquiry Commission, 2011-05-01 The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to examine the causes, domestic and global, of the current financial and economic crisis in the United States. It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government.News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com. |
| ally bank financial advisor: Safety and Soundness Issues Related to Bank Derivatives Activities United States. Congress. House. Committee on Banking, Finance, and Urban Affairs, 1994 |
| ally bank financial advisor: Creating Strategic Value through Financial Technology Jay D. Wilson, Jr., 2017-03-22 Lessons in innovation from key FinTech trends and successes Creating Strategic Value through Financial Technology explores the growing Financial Technology (FinTech) industry to provide insight on how traditional financial institutions and FinTech companies can boost innovation and enhance valuation in a complex regulatory environment. In plumbing the depth and breadth of several niches within in the FinTech sector, author Jay Wilson uncovers key themes that have contributed to the industry's success; in this book, he maps them together to provide useful guideposts for investors, entrepreneurs, and traditional institutions looking to facilitate growth as technology and financial services collide. With an expert's perspective on FinTech history and outlook, certain trends and examples of value-enhancing strategies stand out. FinTech niches covered include: payments, crowdfunding, alternative/marketplace lending, the blockchain, and technology solutions in the context of banking, insurance, and investment companies. There is no denying the growing importance of technology in the financial services industry, and the FinTech sector offers valuable solutions for a diverse array of financial services providers and their customers. This book guides you through several niches of the FinTech sector, and highlights the most important takeaways from recent endeavors. Navigate the financial technology sector Enhance customer and product offerings Improve efficiency and cost structure Enhance profitability and company valuation from the intersection of technology and finance Innovation and customer preference is a key driver of FinTech's growth. Customers are demanding better value and convenience, and the organizations that provide it are reaping the rewards of growth. As financial regulations grow more and more complex, and customers are presented with more and more options, it is becoming imperative for traditional institutions to modernize processes and carve out a place in the future of financial services. Creating Strategic Value through Financial Technology provides a handbook for navigating that space, with practical guidance on how FinTech companies and traditional financial institutions can enhance profitability and valuation from the trends. |
| ally bank financial advisor: Safety and Soundness Issues Related to Bank Derivatives Activities: Without special titles United States. Congress. House. Committee on Banking, Finance, and Urban Affairs, 1994 |
| ally bank financial advisor: Bailout Nation Barry Ritholtz, 2009-06-15 An engaging look at what led to the financial turmoil we now find ourselves in Bailout Nation offers one of the clearest looks at the financial lenders, regulators, and politicians responsible for the financial crisis of 2008. Written by Barry Ritholtz, one of today's most popular economic bloggers and a well-established industry pundit, this book skillfully explores how the United States evolved from a rugged independent nation to a soft Bailout Nation-where financial firms are allowed to self-regulate in good times, but are bailed out by taxpayers in bad times. Entertaining and informative, this book clearly shows you how years of trying to control the economy with easy money has finally caught up with the federal government and how its practice of repeatedly rescuing Wall Street has come back to bite them. The definitive book on the financial crisis of 2008 Names the culprits responsible for this tragedy-from financial regulators to politicians Shows how each bailout throughout modern history has impacted what happened in the future Examines why the consumer/taxpayer is left suffering in an economy of bubbles, bailouts, and possible inflation Ritholtz operates a hugely popular blog, www.ritholtz.com/blog Scathing, but fair, Bailout Nation is a voice of reason in these uncertain economic times. |
| ally bank financial advisor: HOW TO GENERATE INCOME WITH PASSIVE INCOME APPS Favour Eyo, In How to Generate Income with Passive Income Apps, embark on a journey through the digital age's innovative landscape where financial independence is not just a goal but a tangible reality. This guide illuminates the transformative role of passive income apps, positioning them as the cornerstone for those seeking additional revenue streams with minimal active involvement. Explore the vast opportunities presented by these apps as they leverage cutting-edge technology to automate income generation. From insightful chapters on investing and cashback rewards to navigating the world of surveys, this book provides a comprehensive roadmap for individuals looking to build wealth effortlessly in the digital era. Discover how the fusion of technology and financial strategy can empower you to set, forget, and watch your income grow. Earning Effortlessly is your go-to resource for unlocking the potential of passive income apps, offering practical insights and actionable strategies to bring your financial goals within reach. |
| ally bank financial advisor: Merchant banking regulations pursuant to the Gramm-Leach-Bliley Act of 1999 United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions, 2001 |
| ally bank financial advisor: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| ally bank financial advisor: Bank On Yourself Pamela Yellen, 2010-03-23 The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book. |
| ally bank financial advisor: Bankers Monthly , 1925 |
| ally bank financial advisor: Independent Energy , 1993 |
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Manage your money with Ally: online banking, auto financing, and investments. Financial products designed to help you pursue your goals.
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Manage your Ally vehicle account online. Make payments, get your FICO Score, set up alerts and more. Download the Ally app to get started.
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Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company. Ally Bank, the company's direct banking subsidiary, offers an array of deposit and mortgage products and …
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Online banking with a sense of purpose. Ally offers industry-leading online banking services. Convenient & secure banking. Ally Bank, Member FDIC.
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