The David J. Yvars (DJY) Group has the type of collective expertise and experience that you can take comfort in. When you forge a business relationship with us, you can feel confident knowing that you're partnering with a seasoned group of professionals dedicated to giving you the best service and advice possible.
As your Financial Advisor, we believe it is our utmost responsibility to provide sound financial planning and investment advice based on our clients individual sets of circumstances.
After more than 30 years in the industry, we've learned the value of sticking to the plan in the face of wild highs and distressing lows, and we believe this approach is more significant today than it has ever been.
It is our mission to keep you abreast of both economic and stock market activity. Below, we provide timely and accurate information provided by Raymond James Financial Services. These articles are contributed by our Chief Investment Strategist, Jeff D. Saut, our Chief Market Technician, Arthur Huprich, and our Chief Economic Researcher, Dr. Scott J. Brown.
Weekly Market Strategy( View )
by Chief Investment Strategist, Jeff D. Saut
Weekly Market Monitor( View )
by Chief Economic Researcher, Dr. Scott J. Brown
Municipal Bond Investor Weekly( View )
by Municipal Specialist, Carolyn Nees
Weekly Interest Rate Monitor( View )
Articles Provided by Forfield, Inc.
Established in 1997, Forefield is the foremost provider of real-time sales, education, and client communication solutions for financial institutions and their advisors. Forefield's Web-based solutions facilitate the communication of client-centric financial planning knowledge and advice that is current, concise, and compliant."
Yahoo! Finance( View )
At Yahoo! Finance, you get free stock quotes, up to date news, portfolio management resources, international market data, message boards, and mortgage rates.
Google Finance( View )
Get real-time stock quotes & charts, financial news, currency conversions, or track your portfolio with Google Finance.
CNN Money( View )
CNN Money offers business news and financial market coverage updated throughout the day.
MarketWatch( View )
Stock Market Quotes, Business News and Financial News from the leading provider MarketWatch.com, wholly-owned subsidiary of Dow Jones & Company, Inc.
Bloomberg Finance( View )
Bloomberg is a premier site for updated business news and financial information. It delivers international breaking news, stock market data and personal financial articles.
401(k)/403(b) Asset Allocations
Studies have found that, over the long run, how your investments are allocated is more important than individual investments, in determining overall performance for diversified portfolios.
It's not necessarily the specific investments you choose, but how those investments are allocated that may make the difference in reaching your financial goals.
Furthermore, the process of selecting an appropriate investment mix encourages you to organize your investments and consider your financial needs and risk tolerance, as well as external factors such as inflation, taxes, interest rates and the current economy.
Asset allocation is designed to help you benefit from:
- Reduced risk
- Preservation of capital
- Increased liquidity
- Quarterly updates
- A portfolio structured to work efficiently under changing market conditions
- An organized listing of assets
The Raymond James Investment Policy Committee
The DJY 401k Solution Asset Allocation Recommendations utilize Raymond James Financial Services and the Raymond James Investment Policy Committee. The committee considers current economic and market conditions and national and international events, as well as interest rates, to develop recommendations for a percentage of assets in each of the four investment categories; stocks, fixed income, cash equivalents, and real estate and other tangible assets.
Each of the Asset Allocation Models are adjusted on a quarterly basis and are available for participants to utilize in formulating an investment strategy relative to their individual risk tolerance.