Personal Financial Adviser

Ameriprise Financial Services – The Best Personal Financial Adviser

In today’s growing consumer market, where one has plethora of options to choose from for almost all goods and services, many companies have managed to maintain their goodwill and win the rat race with a simple rule – consumer is the king!

Some companies have carved their niche with prompt and accurate customer services and support system. A leading name among financial advisory services today is – Ameriprise Financial Services or the AFS.

Ameriprise Financial Services initiated as a small company from a local office, and have managed to expand a fortune. They are best known for their online financial advisory services and personal consultation.

Their strategy for the same is to use a handy advisor locator. The best part of using this locator is that you do not need to give any personal details. On the company’s web portal simply key in your zip code. The locator would automatically supply a list of Ameriprise Financial Services Advisors with in your vicinity. Be rest assured that you won’t be contacted unless & until you yourself opt to call an agent.

Besides the regular functions of the web portals, Ameriprise Financial Services’ website offers enormous wealth of information on all aspects regarding financial planning. An individual’s financial planning primarily depends on their budget and the financial requirements. However, at the end financial planning remains one’s personal decision. Yet, all of us need to have a clear understanding of our goals from the same.

The personal advisors at Ameriprise Financial Services understand these basics and hence their website details the very core information like:

i. The fundamentals of investment
ii. Tips for paperwork
iii. Information that we must put forward before the advisor to make the best of his services. This way he or she would give you the best possible recommendations for your personalized financial planning needs.

How the Ameriprise Financial Services’ Advisor works?

Ameriprise Financial Services’ personal financial planner initially offers a free consultation session. Here, he or she would help you identify your financial goals. He or she would present before you the realistic & concrete picture of your current scenario and your actual needs. That is your financial stand today and what it requires to meet what you want.

In the following sessions, the advisors would help you synchronize the goals, that is prioritizing the needs & wants. He or she would then prepare the information you need. Next, He or she would present this information in a way that it clarifies all your doubts. Hence the advisor would help you understand the best possible ways to achieve your financial goals.

Ameriprise Financial Services advisors are always there for you in order to answer your questions. Yet, they are just advisors and they would leave the final decisions for the client or customer.

Finally a written plan would be developed. As per your requisites and goals it would also be modified until completion.

That is not all. You advisor would also help you implement the plan with regular meetings. Ensuring that the customer stays on the track to achieve their financial objectives and goals, they would guide you through the required changes as well.

What are the other services provided by Ameriprise Financial Services?

1. Insurance

Ameriprise Financial Services also deals with insurance. They provide:

i. Life Insurance
ii. Health Insurance
iii. Disability Insurance
iv. Long Term Care Insurance
v. Home Insurance
vi. Auto Insurance

2. Banking & Lending Agency

Ameriprise Financial Services is also an efficient banking & lending agency so they help you through money management & financial planning in the practical terms.

3. Investment Products
Ameriprise Financial Services’ investment products include the following:
i. IRAs
ii. Annuities
iii. Stocks
iv. Bonds
v. Mutual Funds

UBS Financial Services

UBS Financial Services – What Do They Do?

UBS Financial Services is a global company that provides a full range of financial services to individual clients and companies all over the world. In an increasingly globalized world economy that the kind of international expertise that UBS Financial Services can offer is a distinct advantage to all types of client that need to manage their wealth. UBS offers a service that reflects the global nature of financial markets.

UBS Financial Services has offices on every continent. It operates in Switzerland, the United States, Canada, South America, Europe, the Middle East, Asia and Africa. If even this comprehensive network does not put you near a branch of UBS Financial Services you can use the banking online service. UBS Financial Services online banking offers the convenience of making decisions from the comfort of your own home and provides the same range of wealth management and investment services.

Individual customers can benefit from a complete range of financial services. UBS Financial Services offers annuities,401K plans, securities, mutual funds, fund management, wealth management, life and health insurance programs and trust funds. In addition UBS Financial Services can provide an attorney network, Roth IRA accounts, estate planning, account management, retirement distribution analysis, educational funds and fund management and lines of credit. In other word UBS Financial Services offers all the services you would expect to find in a worldwide financial service.

For businesses of all sizes UBS Financial Services offers a comprehensive range of services. UBS Financial Services can provide a customized package consisting of employee stock ownership management, retirement services, corporate cash management, consulting and a global expansion option. Whatever size of business you run UBS Financial Services has something to offer.

If your business already operates globally then UBS Financial services can offer specialized services including rates and currency calculators, equities, fixed income, investment options and help with employee benefit and retirement packages

Non-profit agencies can benefit from UBS Financial Services because the company is sensitive to the specialist needs of this sector. UBS Financial Services is aware of the regulations that effect the disbursement of funds in the non-profit sector. Government agencies, banks and other other lending agencies work with UBS Financial Services enabling the company to develop a unique expertise in this field that can benefit large or small non-profit agencies.

UBS Financial Services operates a specialised online trading system that allows the client to input trades directly. A client who needs advice can work with a financial advisor to develop a portfolio of investments using the expert knowledge of UBS Financial Services. Both companies and individuals can take advantage of this service. This can be done in one of two ways. A brokerage account can have a flat rate fee on each trade or can be charged on the assets in the account. An individual or company that have a high number of trades will benefit from the second type of fee structure if they keep an steady balance in their asset account.

Global Trends

Global Trends For the Financial Service Industry

As the economic crisis continues to unfold, the financial service industry faces serious challenges. The crisis is rooted in continuous imbalances, including long periods of low interest rates, rapidly rising asset prices, and massive credit and savings imbalances. The 2007 and 2008 Reports from the World Economic Forum predicted these changes as continuous risk to the market.

Earlier decades of exceptional growth and capitalism at its best have now caused the market to adapt to tighter credit, growing government intervention, slowing pace of globalization, and no economic growth. With increasing regulations in the United States and decreasing availability of credit, the industry faces a significant risk of stunted growth. The global recession is also affecting the financial sector because of capital markets and decreased aggregate demand, according to Max von Bismarck, Director and Head of Investor Industries.

This article will provide leaders, employees and investors in the financial service industry with five unique and timely trends to keep in the forefront of their growth strategies for the next five years. These five key trends will shape the post financial crisis in a holistic and systematic manner.

FIVE KEY TRENDS

GLOBAL BANKING. According to the World Bank, although many banks such as American Express, Citibank and JPMorgan Chase conduct business in multiple countries, they are relatively regional in the United States. In order to grow, the financial industry will have to infiltrate emerging markets. For companies that have a more aggressive growth strategy, the spread to emerging markets such as Africa and Asia presents unparalleled opportunities for profit and increased market share.

IT PLATFORM SHARING. Network World confirms that financial service firms’ business strategies must be altered for the new dynamics and intricacies of today’s market. Immediate access to information and integration along product lines and geography are a must for future success. With the need to supply information to a global market, firms must decrease cost. One cost effective initiative is the use of platform sharing; like cell phone companies that collaborate with local companies in order to decrease cost and increase access, financial firms can do the same.

E-BANKING. A special report from The Economist sees that with 3.5 billion people with cell phones and an expected 10-20% year over year growth, personal and business banking transactions are conducted through cell phones more and more. Thus, E-banking capability is quickly becoming an increasing requirement in order to compete in the marketplace. E-banking capabilities provide companies with essential flexibility and differentiation in the market through Internet-based service applications.

MOBILE MONEY. The increase of mobile phone usage in emerging markets makes mobile money a safe, low cost initiative for the financial sector. It is an easier way to transfer money to family and friends, money is sent, and payments and withdrawals can be made without ever going to a physical bank or payment center. M-Pesa, an early developer of mobile money, concluded that mobile money “has enormous social and economic benefits.”

SELF-SERVICE. Self-service and the customer should be a primary focus for firms in this new financial service world, according to IBM. AppViewXS is a self-service portal firms can purchase, so customers can check the status of their account and gain instant access to available services. Customer questions and concerns are addressed more quickly, states an IBM representative. This technology automates many processes; the result is that staff workload is reduced while representatives operate faster and more efficiently.

Financial service firms need to have sustainable, steady expansion in the emerging markets in order to grow in the future. Deloitte and Touche Research reports that financial service firms have not positioned themselves to capitalize on more geographically dispersed opportunities. More than 93 percent of the executives interviewed for this report acknowledged that their firms “are not operating in a globally integrated fashion.”

The same report states that financial firms need to invest away from veteran or mature markets and toward emerging markets because “by 2025, veteran markets will be rivaled by other markets with faster growing economies and increasingly sophisticated financial product appetites.” USA based firms can look toward Japanese and African markets for expansion opportunities. Kennedy Consulting analysts believe that the market will rebound from the global financial crisis in 2011, but there will not be any return to the robust levels prior to 2007 until much later in the decade; hopefully, the five key trends in this report will help the leaders, employees and investors in the financial service industry to look toward a robust sound future.

In addition to grow

Financial Services

Article On Financial Services

Economic growth brings growth in financial industries. Financial Industries refers to financial services. Growth in financial industries always creates abundant of financial jobs for the job seekers. The finance manager are more favorable to handle the complexity in financial transaction and also manage growing amount of investments. They also need to handle different types of financial services like mergers and acquisitions, raise capital and assess global financial transaction.

As economic expands there will be financial growth over the next decades. If we talk about the career in this sector than there are number of career opportunities in financial sectors like commercial banking, banking, insurance etc. This sector creates lots of best job opportunities and best career growth for job seekers.

There are some different kinds of financial services provided by the finance industries like commercial banking, insurance sector, banking (private and public), Foreign Exchange services, Investment services etc.

Commercial Banking

Commercial Banking includes loan issuance (credit appraisal, account management), mortgage services, leasing, credit card banking, international finance, trade credit, trust services and overall operational handling.

Insurance Sector

Insurance sector consist of the insurance brokerage, insurance underwriting where job seeker can have the job like insurance broker, Stock brokers etc.

Investment Banking

Considered as the most glamorous area in finance, investment banking includes corporate finance, mergers and acquisitions, project finance, trading, structured finance, management of financial assets, trade of securities and financial advice. Other types of banking service includes like capital market bank, Bank card, private bank etc.