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Genuine Relationships, Global Resources

Asset Integration Consultants is not just a name, it's a foundational philosophy. We believe the different areas of your finances should fit together and support each other. Rather than look at investments in isolation or ignore assets we are not managing, we take a holistic approach and view each piece of your financial situation within the context of the greater whole. As life and your circumstances change, so should your financial plan.

You want a solutions provider to oversee the multi-dimensional aspects of your family’s financial affairs. That’s our job. And we do it well.


Mapping The Voyage – Too often, people start with their investment account when plotting their financial future. Our approach begins with a clear understanding of where you are and where you ultimately want to be and a well thought out strategy of how to get there. We are, first and foremost, a planning firm. Our role is to make it possible for you to achieve your personal, financial, and lifestyle aspirations. We are here to guide and counsel you to make sound financial decisions as you set your course for success. We know the waters and how to navigate safely through them.

Managing Risk – Only when the course has been plotted and the ship has been well supplied, should you begin your voyage to the future. Even then, we recognize that there are times to sail – economic winds drive Bull Market returns, times to row – Bear Market headwinds create choppy seas, and most importantly there are also times when it is best to stay in the harbor. Therefore, our management style is to be flexible and opportunistic, while placing emphasis on risk control.

Maintaining Course – As the seas change, the winds shift, and the destination adjusts, it is important to maintain focus on the horizon.  We understand that you require knowledge, not just information. We place significant emphasis on keeping you informed about your position in your voyage and any course corrections that should be made. We have the tools and resources, both state of the art and those of old school reliability, to do just that.

The Waterway From Here To There Is Shorter For Those Who Know The Way - Some will achieve financial success through luck. Most have strategy. They save and invest, grow and protect, and work with advisors to help guide their way. If you’re looking to get somewhere; we know how to set a course. It’s what we do. And we do it well.

How We Work For You

If you are ready to commit to having a team of the industry’s most talented professionals backing you up, we’re ready to do just that. The next step is yours. Schedule an appointment to start your voyage to financial, personal, and lifestyle success.

Schedule A Meeting


A Team You Can Trust

For years, people have turned to Asset Integration Consultants for all of their financial needs. As an independent firm, the team is able to offer more in the way of products, personal service and much-deserved attention.

Sean M. Bennett, CFP® Photo Sean M. Bennett, CFP® Hover Photo

Sean M. Bennett, CFP®

President + CEO
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A graduate of the University of South Carolina, Sean has been providing financial planning assistance to clients since 1992.  After completing his course work at College of Charleston, he received his CERTIFIED FINANCIAL PLANNER™, professional certification from the Certified Financial Planner Board of Standards in 2000.

Sean also serves his community as a member of the South Carolina Senate, representing District 38 (Dorchester, Charleston, and Berkeley Counties).  He has served on the Executive Committee and Board of Directors of the Charleston Regional Development Alliance, serving at Chairman from 2010-11. He is also a past president of the Rotary Club of Summerville, the Greater Summerville/Dorchester County Chamber of Commerce and Summerville Catholic School board.

Sean is a Liberty Fellow, a Riley Fellow of the Diversity Leadership Institute at Furman University, a Fellow of the Aspen Institute's Rodel Fellowship in Public Leadership, graduate of Leadership South Carolina and member of the American Enterprise Institute Leadership Network.

Sean, his wife Tina, and daughters Haile & Hayden Grace reside in Summerville, SC and are members of St. John the Beloved Catholic Church. He enjoys boating, travel, and F3 fitness.

Sean Bennett is a registered representative of Cambridge Investment Research Inc. and investment advisor representative of Cambridge Investment Research Advisors, Inc.


Rebecca Hyer Woods, CLU Photo Rebecca Hyer Woods, CLU Hover Photo

Rebecca Hyer Woods, CLU

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After completing coursework at The American College in Bryn Mawr, Pennsylvania, Becky received her Chartered Life Underwriter (CLU) designation.

Becky is an active member and advocate of the National Association of Insurance & Financial Advisors (NAIFA) where she is a Past President of the Lowcountry Chapter. She is also a member of the Society of Financial Service Professionals and the Greater Summerville/Dorchester County Chamber of Commerce.

Becky and her husband, Allen Woods, are members of the Presbyterian Church on Edisto Island, and she is quite active in tennis leagues across the lowcountry.  They have four grandchildren, Cole, Winnie, Ella, and Caroline.

Rebecca Hyer Woods is a registered representative of Cambridge Investment Research, Inc. She is registered in SC.

Kirsten Artman Photo Kirsten Artman Hover Photo

Kirsten Artman

Client Services Manager
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With years of customer service experience within the financial services industry, Kirsten is responsible for all client service issues for the firm. Kirsten’s role is to guide our clients through the often-mazelike process of financial organization. Her number one objective is to simplify and streamline the very complicated and cumbersome world of personal finance.

Kirsten is a graduate of the University of Wyoming and resides in Summerville, SC with her husband of 25 years, Jeff. She has one son, Tony, a graduate of Clemson University. They are members of St. Luke’s Lutheran Church.

Kirsten is Life, Accident, & Health insurance licensed in the state of SC and is a registered administrative representative of Cambridge Investment Research, Inc.


The Personal Wealth Portal was designed from the ground up for those who want the most out of their wealth accumulation, management, and protection advisors. We then tailored our service model to incorporate these factors into every facet of our business. The result is a firm that is client-centric, laser focused, and committed to your success.




Monthly Economic Update: September 2017

August brought an overwhelming natural disaster, a threat of war from a foreign dictator, and violence in the streets – so it is little wonder stocks went sideways. The S&P 500 eked out an advance of 0.05% for the month. Economically speaking, there were some positives: improvements in consumer confidence and consumer spending, continued strength in manufacturing, and a comeback for retail sales. The economies of the eurozone and the Asia-Pacific region showed more upside. In the commodities market, gold and gasoline grew more valuable, while the price of oil fell. A seller’s market seemed firmly in place in residential real estate. Investors hung on through the turbulence.1

Americans spent more this summer and felt optimistic about the state of economy. The evidence? The July gain in personal spending and the lofty reading on the Conference Board’s August consumer confidence index. Consumer spending improved 0.3% in July as consumer incomes rose 0.4%. That seemingly had an effect on retail sales, which, in July, had their best month in some time: they advanced 0.6%. The CB index went north to a mark of 122.9, up 2.9 points from its notably high July reading. (The University of Michigan’s consumer sentiment index finished August at 96.8, above its final July reading of 93.4, but slightly lower than its preliminary August mark of 97.6.)2,3

Another important index registered an impressive reading in August: the Institute for Supply Management’s purchasing manager index for U.S. manufacturing. Already at 56.3 in July, it improved to 58.8 last month, indicating strong expansion for the factory sector. At the start of August, ISM’s non-manufacturing sector PMI bore a July reading of 53.9, 3.5 points lower than its June mark; that was still well over the 50-level, delineating growth from contraction.2,4

August also brought news that the economy had grown 3.0% in the second quarter. That word came from the Bureau of Economic Analysis, which revised its first estimate of Q2 growth up from 2.6%.2

The Department of Labor’s latest jobs report found payrolls expanding by just 156,000 new positions in August; June and July gains were respectively revised downward to 210,000 and 189,000. Yearly wage growth stayed at 2.5%, a remarkably weak number given the country’s 4.4% unemployment rate. The U-6 rate measuring “total” unemployment remained at 8.6%. (Before the Great Recession, it was as low as 8.0%; that difference may indicate the nation is not yet at full employment.)5

While the Federal Reserve would like yearly inflation to reach 2.0% as it tightens monetary policy, it is not yet getting its wish. Neither the Consumer Price Index or the Producer Price Index displayed a 2.0% annualized reading in July. The PPI came close at 1.9%; the CPI was at 1.7%. Core consumer inflation was also at 1.7%. Producer prices actually retreated 0.1% in July.3

Regarding the economic impact of Hurricane Harvey, Moody’s Analytics projects the toll will be between $40-$50 billion, with property damage representing more than 80% of that cost. This staggering amount would still be far less than the $130 billion in financial damage from Hurricane Katrina in 2005.6

The euro is having a great year. At the end of August, the currency had gained 14% on the dollar YTD. Its performance is not dissuading stock investors: so far, this year, €20 billion of the €60 billion that left European equities in the past two years has flowed back in, and as CNBC notes, European corporations saw profits rise 25% in the first quarter alone. Eurostat, the European Union’s statistics office, recorded a 0.5% GDP advance for the eurozone in Q1 and 0.6% growth for Q2. UBS economists now think the euro area will achieve 2% GDP this year and 1.6% next year – an improvement over their previous projection.7

Reports revealed that the economies of four Asian nations had a superb second quarter. Malaysia’s yearly GDP reached 5.8%; Thailand’s, 3.7%. GDP surpassed 6% in both the Philippines and Vietnam. The major reason for such robust expansion: a surge in exports. Good news came from China as well: in August, its official factory PMI increased 0.3 points to 51.7, topping Bloomberg’s forecast of 51.3. The country’s official service sector PMI declined 1.1 points, but still looked healthy at 53.4.8,9

Looking around the world, three stock benchmarks had a great August – Brazil’s Bovespa, Argentina’s MERVAL, and Russia’s Micex. The MERVAL rose 9.30%; the Bovespa, 7.46%. The Micex was Europe’s top gainer, adding 5.35%. Both the Shanghai Composite and Hang Seng also performed well – the premier P.R.C. index advanced 2.68%, while Hong Kong’s benchmark improved 2.37%. MSCI’s Emerging Markets Index rose 2.01% for the month. Smaller gains were registered by the United Kingdom’s FTSE 100 (0.80%), Canada’s TSX Composite (0.45%), and Mexico’s Bolsa (0.39%).10,11

August did see some losses. India’s Sensex took one of the harder falls, slipping 2.41%. Spain’s IBEX 35 was not far behind, down 1.93%. India’s narrower index, the Nifty 50, retreated 1.58%; Japan’s Nikkei 225 lost 1.70%. The FTSE Eurofirst 300 lost 1.03%, and Germany’s DAX declined 0.52%. Two tiny losses were taken by France’s CAC 40 (0.16%) and the MSCI World index (0.07%).10,11

Cotton and unleaded gasoline outdid the other major commodities last month. Prices of both futures surged late in August: the former commodity rose 19.63% for the month; the latter, 12.12%.12

All in all, it was a rather good month for metals. Gold gained 2.98% to an August 31 COMEX settlement of $1,326.20. Silver rose 3.64% to close at $17.56 on the same day. Copper advanced 6.00%; platinum, 5.95%. As for the greenback, the U.S. Dollar Index retreated 0.37%. Ag commodities had it tough: cotton aside, wheat dropped 13.91%; corn, 11.19%; sugar, 6.71%; coffee, 8.27%; cocoa, 5.85%; soybeans, 5.69%. WTI crude was the loser among energy futures, sinking 8.37% on the NYMEX to a settlement of $47.05 on August 31. Heating oil advanced 0.84%, and natural gas gained 4.73%.1,12

An imbalance between supply and demand kept home buying in check in August. The National Association of Realtors stated that existing home sales fell for a second straight month in July, slipping 1.3% to the lowest annualized rate of 2017. The cause can be traced to two year-over-year developments: a 9.0% reduction in the supply of homes on the market paired with a 6.2% rise for the median sale price ($258,300 in July). One positive: home sales were still 2.1% improved for the year ending in July. After a 1.9% advance in June, new home buying declined 9.4% in July according to a Census Bureau report.3,13

Between July 27 and August 31, the average interest rate on a conventional mortgage dropped a tenth of a point to 3.82%. That factoid comes from Freddie Mac, which also found average interest rates descending on the 15-year FRM (3.20% to 3.12%) and the 5/1-year ARM (3.18% to 3.14%) across that time frame.14

Rounding up other key real estate indicators, the NAR’s pending home sales index was down 1.3% for July; the 20-city S&P/Case-Shiller home price index displayed a 5.8% annual advance, rising 0.1% in its June edition. As for construction activity, the Census Bureau reported a 4.8% dip for housing starts and a 4.1% fall for building permits during July.2,3

While the S&P 500 had to rally on the last day of the month to post its 0.05% August gain, the two other major stock benchmarks fared better. The Nasdaq Composite rose 1.27% in August; the Dow Jones Industrial Average, 0.26%. As for the Russell 2000, it fell 1.39%. The CBOE VIX was up 3.22% for August. At the closing bell on August 31, here was where they all stood: DJIA, 21,948.10; S&P, 2,471.65; COMP, 6,428.66; RUT, 1,405.28; VIX, 10.59. Across the 52 weeks ending August 31, the PHLX Semiconductor Sector Index returned 39.05%, far outpacing other equity indices and market sectors.1    
















S&P 500






8/31 RATE









Sources: barchart.com, bigcharts.com, treasury.gov – 8/31/171,15,16,17
Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.

September might pose some difficulties for the markets. By September 30, Congress must pass a budget or face a federal shutdown; additionally, Treasury Secretary Steven Mnuchin has stated that the U.S. will hit its debt ceiling on September 29. Tensions over these matters in Washington could greatly affect Wall Street. North Korea remains a threat. The Federal Reserve may begin shrinking its $4.5 trillion bond portfolio before Q3 ends, and the European Central Bank might soon scale back its easing effort. It could be that the bulls will saunter past all this, but there are certainly enough caution flags to make institutional investors think twice this month. Perhaps a retreat can be avoided as the third quarter concludes.18

UPCOMING ECONOMIC RELEASES: What else will investors watch in September? The key news releases include: July factory orders (9/5), the August ISM service sector PMI and a new Federal Reserve Beige Book (9/6), the August Producer Price Index (9/13), the August Consumer Price Index (9/14), August retail sales, industrial output, and the initial University of Michigan September consumer sentiment index (9/15), August housing starts and building permits (9/19), a Federal Reserve rate decision and August existing home sales (9/20), August new home sales and the latest Conference Board consumer confidence index (9/26), August hard goods orders and pending home sales (9/27), the third estimate of Q2 growth from the Bureau of Economic Analysis (9/28), and then, the August personal spending report, the August PCE price index, and the final September consumer sentiment index from the University of Michigan (9/29).

Sean M. Bennett, CFP®
President + CEO

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. The Russell 2000 Index measures the performance of the small-cap segment of the U.S. equity universe. The CBOE Volatility Index® (VIX®) is a key measure of market expectations of near-term volatility conveyed by S&P 500 stock index option prices. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. The MERVAL Index (MERcado de VALores, literally Stock Exchange) is the most important index of the Buenos Aires Stock Exchange. The Bovespa Index is a gross total return index weighted by traded volume & is comprised of the most liquid stocks traded on the Sao Paulo Stock Exchange. The MICEX 10 Index is an unweighted price index that tracks the ten most liquid Russian stocks listed on MICEX-RTS in Moscow. The SSE Composite Index is an index of all stocks (A shares and B shares) that are traded at the Shanghai Stock Exchange. The Hang Seng Index is a free float-adjusted market capitalization-weighted stock market index that is the main indicator of the overall market performance in Hong Kong. The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. The FTSE 100 Index is a share index of the 100 companies listed on the London Stock Exchange with the highest market capitalization. The S&P/TSX Composite Index is an index of the stock (equity) prices of the largest companies on the Toronto Stock Exchange (TSX) as measured by market capitalization. The Mexican Stock Exchange, commonly known as Mexican Bolsa, Mexbol, or BMV, is the only stock exchange in Mexico. The BSE SENSEX (Bombay Stock Exchange Sensitive Index), also-called the BSE 30 (BOMBAY STOCK EXCHANGE) or simply the SENSEX, is a free-float market capitalization-weighted stock market index of 30 well-established and financially sound companies listed on the Bombay Stock Exchange (BSE). The IBEX 35 is the benchmark stock market index of the Bolsa de Madrid, Spain’s principal stock exchange. Nikkei 225 (Ticker: ^N225) is a stock market index for the Tokyo Stock Exchange (TSE).  The Nikkei average is the most watched index of Asian stocks. The Nifty 50 (NTFE 50) is a well-diversified 50-stock index accounting for 13 sectors of the Indian economy. It is used for a variety of purposes such as benchmarking fund portfolios, index-based derivatives and index funds. The FTSE Eurofirst 300 measures the performance of Europe’s largest 300 companies by market capitalization and covers 70% of Europe's market cap. The DAX 30 is a Blue-Chip stock market index consisting of the 30 major German companies trading on the Frankfurt Stock Exchange. The CAC-40 Index is a narrow-based, modified capitalization-weighted index of 40 companies listed on the Paris Bourse. The MSCI World Index is a free-float weighted equity index that includes developed world markets, and does not include emerging markets. The US Dollar Index measures the performance of the U.S. dollar against a basket of six currencies. The PHLX Semiconductor Sector IndexSM (SOXSM) is a modified market capitalization-weighted index composed of companies primarily involved in the design, distribution, manufacture, and sale of semiconductors. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.
1 - barchart.com/stocks/indices#/viewName=performance [8/31/17]
2 - marketwatch.com/economy-politics/calendars/economic [8/31/17]
3 - investing.com/economic-calendar/ [8/31/17]
4 - instituteforsupplymanagement.org/ISMReport/NonMfgROB.cfm [8/3/17]
5 - foxbusiness.com/markets/2017/09/01/us-hiring-cools-off-with-156000-new-jobs-in-august.html [9/1/17]
6 - nytimes.com/2017/08/28/business/economy/texas-hurricane-harvey-economic-impact.html [8/28/17]
7 - cnbc.com/2017/08/29/money-managers-bounce-back-in-european-equities-despite-stronger-euro.html [8/29/17]
8 - asia.nikkei.com/Politics-Economy/Economy/Exports-power-Southeast-Asia-s-economic-growth [8/21/17]
9 - bloomberg.com/news/articles/2017-08-31/china-factory-gauge-signals-economic-output-resilient-in-august [8/31/17]
10 - markets.on.nytimes.com/research/markets/worldmarkets/worldmarkets.asp [8/31/17]
11 - msci.com/end-of-day-data-search [8/31/17]
12 - money.cnn.com/data/commodities/ [8/31/17]
13 - inman.com/2017/08/24/existing-home-sales-dip-for-second-month-in-a-row/ [8/24/17]
14 - freddiemac.com/pmms/archive.html?year=2017 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F31%2F16&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F31%2F16&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F31%2F16&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F31%2F12&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F31%2F12&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F31%2F12&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F31%2F07&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F31%2F07&x=0&y=0 [8/31/17]
15 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F31%2F07&x=0&y=0 [8/31/17]
16 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [8/31/17]
17 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [8/31/17]
 18 - cnbc.com/2017/08/09/september-market-surprises-that-could-be-spookier-than-north-korea.html [8/9/17]

When was the last time you measured the level of risk you are comfortable exposing your assets?

 When was the last time you compared that level of risk with the actual risk that your accounts are exposed?

Does My Portfolio Fit Me?



Comprehensive Wealth Management

Asset Integration Consultants is not just a name, it's a foundational philosophy. We believe the different areas of your finances should fit together and support each other. Rather than look at investments in isolation or ignore assets we are not managing, we take a holistic approach and view each piece of your financial situation within the context of the greater whole. As life and your circumstances change, so should your financial plan.

How We Work For You


Investment Advisory Services

In a well-constructed portfolio, each investment fulfills a specific function and is appropriate for your unique situation. We provide objective, unbiased investment recommendations that are based upon your personal needs, so that you can make smarter investment decisions. We add value with our investment advice by aligning your personal preferences and priorities.

The Value of the Investment Policy Statement

Investment Risk Management

We combine cutting edge technology with real world experience to identify your acceptable levels of risk and reward with unparalleled accuracy. Then we build investment portfolios that align with your investment goals and expectations while focusing on downside protection. We know that the best financial decisions are made when expectations are met and emotional reactions are minimized.

How Does Risk Affect You?

Does My Portfolio Fit Me?


Retirement Planning

Knowing that you will have enough money in retirement is critical to any financial plan. Our team helps you understand your current financial path, empowering you to make changes if necessary. We also help clients nearing retirement reposition their portfolio from an accumulation focus to that of distribution.

Retirement Income Planning is Different


We help you identify financial risks and discuss different types of insurances to help protect yourself and your family from risks you cannot afford to take on your own.

What Questions Should You Ask?

Cash Flow Management

Budgeting is deciding how you will spend your money so that you are making regular progress toward your goals. We will help you understand the difference between good and bad debt, talk about setting aside for emergencies and special opportunities, and if needed, help you gain control over your spending.

How Can You Reduce Debt?

Tax Planning

Taxes are a significant lifetime expense. Although we do not offer tax preparation, we review your tax situation and look for opportunities to reduce your tax bill. We work in conjunction with your tax professional to assist in looking at the big picture and not just the current tax year.


Located in Historic Downtown Summerville, South Carolina

Located in Historic Downtown Summerville, South Carolina


121 South Cedar Street
Summerville, SC 29483




(843) 821-3009


(800) 867-5590


(843) 851-0516