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ABOUT


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.


OUR PROCESS


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.

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OUR TEAM


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

Vice-President
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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.

CLIENT CENTER


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.

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Monthly Economic Update August 2018

In this month’s recap: earnings and fundamentals encourage Wall Street, while tariff talk continues, inflation pressure mounts, and home sales decline.


THE MONTH IN BRIEF

While investors kept tariffs and trade disputes in mind in August, a new earnings season provided Wall Street with a lift. Blue chips especially benefited: the Dow Jones Industrial Average rose 4.71% for the month. Broadly speaking, strong corporate profits and domestic economic data gladdened the bulls, even as question marks about global commerce flashed.1

DOMESTIC ECONOMIC HEALTH

Was the federal government about to enlarge tariffs on Chinese imports or relax them? The month ended with conflicting signals. In late July, Bloomberg reported that the Trump administration was considering hiking the 10% import taxes, which it planned to impose on $200 billion of Chinese-made goods this fall, to 25%. Yet as the month ended, representatives of the offices of Secretary of State Steven Mnuchin and Chinese Vice Premier Liu He were trying to rekindle trade negotiations, with the possibility of dropping these proposed tariffs.2

Two other developments concerning tariffs made headlines. On July 1, Canada acted to impose a 25% import tax on American steel products and a 10% import tax on assorted U.S. consumer, food, and agriculture exports coming through its borders. On July 25, President Trump and European Commission President Jean-Claude Junker agreed to lower the respective industrial tariffs the U.S. and E.U. had announced and postpone others (such as the planned 25% U.S. tax on European-built autos) pending further talks.3,4

A new report from the Department of Labor showed a net June gain of 213,000 jobs. That topped the 195,000 projected by Bloomberg’s consensus forecast. Headline unemployment increased to 4.0% from 3.8% in June, while the U-6 rate, counting the underemployed, rose 0.2% to 7.8%, but those changes reflected the growth in the labor force participation rate. Wages were rising 2.7% a year at the end of the second quarter.5

Consumer costs, however, were increasing at 2.9% per year, according to the latest Consumer Price Index. That was the highest inflation rate seen since February 2012. Well beneath the headline number, the core CPI (which removes food and fuel prices) was up just 2.3%, annually, through June. The large difference between the two CPIs reflects the impact of a 30.8% year-over-year rise in the price of fuel oil and a 24.3% annualized gain for the cost of gasoline. (The June Producer Price Index showed yearly wholesale inflation running at 3.4%.)6,7

The Institute for Supply Management’s purchasing manager indices looked very strong as spring gave way to summer. In June, ISM’s non-manufacturing PMI achieved a mark of 59.1, improving 0.5 points. The June and July readings for ISM’s manufacturing PMI were also excellent: 60.2, then 58.1. Federal government reports showed durable goods orders increasing 1.0% in June; industrial output, 0.6%; manufacturing output, 0.8%.6,8

On Main Street, consumer confidence held up even as households thought about the potential impact of tariffs on the economy. The Conference Board’s index rose 0.3 points in July to 127.4, and the University of Michigan’s barometer progressed from 97.1 in its preliminary July edition to a final July mark of 97.9.6

 Fresh Department of Commerce data showed consumers spending at a healthy rate at the end of spring. Personal spending was up 0.4% in June, with overall retail sales advancing 0.5%; all this was helped by a gain of 0.4% for personal incomes.6


GLOBAL ECONOMIC HEALTH

China announced moves last month to try and ward off the potential economic impact of U.S. tariffs and to stimulate an economy that had slowed slightly to 6.7% growth during the second quarter. Its central bank poured the equivalent of $74 billion U.S. into its financial system in June, a record. Its government announced a new round of bonds to facilitate localized upgrades in infrastructure and forthcoming tax cuts. Its foreign ministry denied accusations of currency manipulation to stimulate exports. Southeast Asia’s largest economies were still projected for healthy growth in 2018, in some cases matching that of the P.R.C. A median forecast from Bloomberg puts Indonesia’s 2018 GDP at 5.3%; Malaysia, 5.5%; Singapore, 3.1%; Thailand, 4.2%; Vietnam, 6.8%; the Philippines, 6.7%.9,10

What if the Brexit occurred without any deal defining how the European Union and the United Kingdom could continue to do business? That troubling question was on many minds in Europe in July. U.K. Prime Minister Teresa May publicly stated back in 2017 that “no deal for Britain is better than a bad deal for Britain,” and the E.U. has been advising corporations and governments to prepare for the possibility of a “hard” Brexit. A “no-deal” Brexit is a real risk, with the customs border between Northern Ireland (part of the U.K.) and Ireland (part of the E.U.) as the major sticking point. The Netherlands, Belgium, and the U.K. have begun to stockpile cash and resources in case of potential economic shortages or hardships caused by a trade chasm. The projected date for the Brexit is March 29, 2019, but it could be postponed. Fifty-one percent of U.K. respondents to a July Sky News poll felt the Brexit was a bad move for the country, and 78% felt May’s government was doing a poor job of negotiating the separation.11,12


WORLD MARKETS

Was July also a good month for foreign shares? Largely speaking, yes. India's major indices and two South American benchmarks made the most dramatic gains. The Sensex advanced 6.16%; the Nifty 50, 5.99%. Brazil's Bovespa topped both with a climb of 8.88%, while Argentina's Merval jumped 12.27%. Mexico's Bolsa advanced 4.27%. Speaking of emerging markets, the MSCI Emerging Markets index added 1.68%, while the MSCI World index improved 3.05% in July.13,14

 In Europe, the German DAX rose 4.06%. France’s CAC 40 ascended 3.53%, while the FTSE Eurofirst 300 gained 3.19%. The United Kingdom's FTSE 100 posted a 1.46% July advance, and Russia's Micex improved 1.10%. Looking at the Asia-Pacific region, Taiwan’s TSE 50 rose 4.28%; Australia’s All Ordinaries, 1.22%; the Nikkei 225, 1.12%; the Shanghai Composite, 1.02%. Hong Kong's Hang Seng slipped 1.29%; South Korea's Kospi, 1.33%. To our north, Canada's TSX Composite gained 0.96%.13


COMMODITIES MARKETS

As stocks attracted investors during a solid earnings season, commodities lost some appeal. All the major energy futures declined across July, along with the four key metals. Oil closed the month at $68.43 on the NYMEX, taking a 7.84% loss. Unleaded gasoline dipped 4.85%; natural gas, 4.93%; heating oil, 3.19%. Copper stumbled 4.48% in July; silver, 3.18%; gold, 2.28%; platinum, 1.28%. COMEX gold was worth $1,223.10 an ounce at the close on July 31; COMEX silver, $15.54 an ounce. The U.S. Dollar Index added just 0.01% during July.1,15

 Some crops did post big gains, while others fell hard. July winners included wheat at +11.57%, corn at +6.36%, cotton at +5.61%, and soybeans at +5.25%. Among the losers: coffee at -2.44%, sugar at -8.77%, and cocoa at -12.88%.15


REAL ESTATE

New reports from the National Association of Realtors and Census Bureau showed home sales weakening in June. The slip in resales was minor: just 0.6%. It was, however, the third consecutive monthly retreat for existing home purchases; in spring, they slowed to a pace unseen since January. Some good news emerged to counter this: the NAR’s pending home sales index rose 0.9% in the sixth month of the year. New home buying fell off 5.3% during June; the May gain was revised to 3.9%.6,16

Home values continued their healthy appreciation. The latest 20-city S&P CoreLogic Case-Shiller index showed home prices up 6.5%, year-over-year, through May. Prospective buyers could take heart in the fact that mortgage rates were little changed in late July from where they were in late June. Freddie Mac’s Primary Mortgage Market Survey from June 26 listed the mean interest rate on the 30-year FRM at 4.55%, the mean rate on the 15-year FRM at 4.04%, and the average interest rate for the 5/1-year ARM at 3.87%; in the July 26 PMMS, the respective numbers were 4.54%, 4.02%, and 3.87%.6,17

 The last month of the second quarter also witnessed less groundbreaking. In June, developers made 12.3% fewer housing starts and arranged 2.2% fewer building permits than in May, according to the Census Bureau.6

T I P   O F   T H E   M O N T H

Summer is an ideal time to organize your tax records. Contact your CPA and ask for a mid-year tax check-up. Opportunities for savings may emerge.


 

LOOKING BACK… LOOKING FORWARD

The Dow Jones Industrial Average and S&P 500 managed to catch up a little versus the Nasdaq Composite in July. Blue chips rose 4.71%, the S&P advanced 3.60%, and the Nasdaq improved 2.15% for the month. The Russell 2000 was not far behind in terms of performance, rising 1.69%. If it seemed that July was not all that volatile, the CBOE VIX’s performance will confirm your assumption; Wall Street’s top gauge of market instability fell 20.26% across July to 12.83, but remained up 16.21% YTD.1,18

The Nasdaq, Dow, Russell, and S&P are all firmly in the green for 2018 at this date. As the closing bell rang on July 31, their year-to-date numbers were as follows: DJIA, +2.82%; S&P, +5.34%; COMP, +11.13%; RUT, +8.81%. When that trading session ended, the four benchmarks settled at these levels: DJIA, 25,415.19; COMP, 7,671.79; S&P, 2,816.29; RUT, 1,670.80.1,18

% CHANGE

Y-T-D

1-YR CHG

5-YR AVG

10-YR AVG

DJIA

2.82

16.10

12.79

12.34

NASDAQ

11.13

20.85

22.31

23.00

S&P 500

5.34

14.01

13.41

12.22






REAL YIELD (%)

7/31 RATE

1 YR AGO

5 YRS AGO

10 YRS AGO

10 YR TIPS

0.84

0.48

0.38

1.65

Sources: barchart.com, bigcharts.com, treasury.gov - 7/31/181,19,20,21

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.


The second half of the year started with some promise: earnings and fundamentals largely came through and brightened the mood of investors contending with unanswered questions about global trade. July was the S&P 500’s fourth straight winning month, and 2018 is the twelfth year in the past 90 years in which the S&P has had an April-July win streak. In all previous 11 years featuring such a streak, the S&P advanced across the rest of the year. Will history repeat in 2018? Maybe not, but 11 for 11 is certainly encouraging. A strong finish to 2018 is by no means assured, as trade and diplomatic concerns, probable Federal Reserve rate hikes, and perhaps even a slowing U.S. business cycle cloud the horizon. The market will also exit earnings season this month, and that may leave less for investors to get excited about. Late-summer doldrums could certainly overtake Wall Street, but that does not rule out the possibility of a bullish fourth quarter.22

 


Q U O T E   O F   T H E   M O N T H

Drive thy business or it will drive thee

Benjamin Franklin

 


 UPCOMING RELEASES

What will investors pay attention to across the rest of August, in addition to the remaining earnings calls? They will look at the latest jobs report from the Department of Labor and ISM’s newest non-manufacturing PMI (8/3), the July PPI (8/9), the July CPI (8/10), July retail sales and industrial output (8/15), the Census Bureau’s latest snapshot of residential construction activity (8/16), the initial August University of Michigan consumer sentiment index and the Conference Board’s July leading indicators index (8/17), the NAR’s July existing home sales report (8/22), the Census Bureau’s latest new home sales announcement (8/23), July hard goods orders (8/24), a new Conference Board consumer confidence index (8/28), the second estimate of Q2 economic expansion and the NAR’s report on July pending home sales (8/29), July consumer spending figures and the July PCE price index (8/30), and lastly, the final August University of Michigan consumer sentiment index (8/31).



T H E  M O N T H L Y   R I D D L E

The 22nd and 24th Presidents had the same biological mother and father, yet were not brothers.
How was this possible?

 

LAST MONTH’S RIDDLE: Getting into it is often easy, as it may not require speech or much thought. It is often very difficult to get out of, though. What is it?

ANSWER: Trouble.

 


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Please feel free send us their contact information via phone or email. (Don’t worry – we’ll request their permission before adding them to our mailing list.)

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Thanks,




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 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 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 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 MERVAL Index (MERcado de VALores, literally Stock Exchange) is the most important index of the Buenos Aires Stock Exchange. The Mexican Stock Exchange, commonly known as Mexican Bolsa, Mexbol, or BMV, is the only stock exchange in Mexico.  The MSCI Emerging Markets Index is a float-adjusted market capitalization index consisting of indices in more than 25 emerging economies. The MSCI World Index is a free-float weighted equity index that includes developed world markets and does not include emerging markets. 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 FTSEurofirst 300 Index comprises the 300 largest companies ranked by market capitalisation in the FTSE Developed Europe Index. The FTSE 100 Index is a share index of the 100 companies listed on the London Stock Exchange with the highest market capitalization. The MICEX 10 Index is an unweighted price index that tracks the ten most liquid Russian stocks listed on MICEX-RTS in Moscow. The FTSE TWSE Taiwan 50 Index consists of the largest 50 companies by full market value and is also the first narrow-based index published in Taiwan. The All Ordinaries (XAO) is considered a total market barometer for the Australian stock market and contains the 500 largest ASX-listed companies by way of market capitalization. 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 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 Korea Composite Stock Price Index or KOSPI is the major stock market index of South Korea, representing all common stocks traded on the Korea Exchange. 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 US Dollar Index measures the performance of the U.S. dollar against a basket of six currencies. 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.

CITATIONS:
1 - barchart.com/stocks/indices?viewName=performance [7/31/18] 
2 - bloomberg.com/news/articles/2018-07-31/u-s-china-said-to-seek-to-restart-talks-to-defuse-trade-war [7/31/18]
3 - piie.com/blogs/trade-investment-policy-watch/trump-trade-war-china-date-guide [7/24/18]
4 - investors.com/news/economy/trade-war-trump-juncker-announce-deal-pulling-back-from-u-s-eu-from-brink/ [7/25/18]
5 - fortune.com/2018/07/06/june-2018-jobs-report/ [7/6/18]
6 - investing.com/economic-calendar/ [7/31/18]
7 - tradingeconomics.com/united-states/inflation-cpi [7/12/18]
8 - instituteforsupplymanagement.org/ISMReport/NonMfgROB.cfm [7/5/18]
9 - bbc.com/news/business-44933512 [7/24/18]
10 - straitstimes.com/business/economy/growth-outlooks-for-south-east-asias-economies-as-trade-war-fears-gather [7/16/18]
11 - bloomberg.com/news/articles/2018-07-24/what-no-deal-brexit-means-and-how-it-may-be-averted-quicktake [7/24/18]
12 - reuters.com/article/uk-britain-eu-poll/britons-see-brexit-turning-sour-half-want-chance-to-vote-again-poll-idUSKBN1KK0KW [7/29/18]
13 - markets.on.nytimes.com/research/markets/worldmarkets/worldmarkets.asp [7/31/18]
14 - msci.com/end-of-day-data-search [7/31/18]
15 - money.cnn.com/data/commodities [7/31/18]
16 - tradingeconomics.com/united-states/existing-home-sales [7/30/18]
17 - freddiemac.com/pmms/archive.html [7/30/18]
18 - money.cnn.com/data/markets/russell [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=7%2F31%2F17&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=7%2F31%2F17&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=7%2F31%2F17&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=7%2F31%2F13&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=7%2F31%2F13&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=7%2F31%2F13&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=7%2F31%2F08&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=7%2F31%2F08&x=0&y=0 [7/31/18]
19 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=7%2F31%2F08&x=0&y=0 [7/31/18]
20 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [7/31/18]
21 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [7/31/18]
22 - marketwatch.com/story/the-fate-of-the-stock-market-for-2018-could-rest-on-the-next-5-trading-days-2018-07-24 [7/24/18]
   

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?


 

SERVICES


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

Insurance

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.

CONTACT


Located in Historic Downtown Summerville, South Carolina

Located in Historic Downtown Summerville, South Carolina

ADDRESS

121 South Cedar Street
Summerville, SC 29483

EMAIL

info@assetintegration.com

PHONE

(843) 821-3009

TOLL FREE NUMBER

(800) 867-5590

FAX

(843) 851-0516