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Chicken Little or Zeus?Last month the market fell out of the sky. It caused quite a stir. Or not. It all depended on who was watching, and from what vantage point.Chicken Little freaked out.   She scurried about in the dirt, with clouds of dust swirling around her. She could barely make out Jim Cramer’s image on CNBC’s beloved Mad Money. All the noisy bells and buzzers and rifle shots and shrieking crowds didn’t allow her to really hear much of what he was saying. But she knew it must be bad. When the market was down 10%, Chicken Little decided there was no more hope, and sold her equity positions. This is what really bothered her:Zeus, on the other hand, wasn’t paying much attention to the commotion. From Mt. Olympus, things on Earth tended to look fairly small and unimportant. He viewed his investments from a distance, literally.   Zeus is clearly a long term investor. In fact, he actually looked forward to major market dislocations, when h...
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DHG Wealth Advisors (DHGWA) has specifically tailored an investment program to meet the goals and objectives of dealerships utilizing Reinsurance Companies via Portfolio.
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Overview Brochure

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What sets DHG Wealth Advisors apart from others? Resourcefulness. As fiduciaries, our singular focus is your best interest as we shape a wealth management strategy that provides peace of mind and financial security.
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Most investors do not plan to act in a foolish manner. In fact, most probably think they do have a plan when they purchase an investment. In the light of day, when the sun is shining and birds are singing and children laughing, it is fairly easy to feel you can withstand whatever the market can throw at you. But when the weather changes and the pleasant noises stop, things change. When the markets plunge and the news is horrible and the monthly brokerage statements are getting worse and worse, many investors seem to forget whatever plan they may have had.
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The Seven Roles of an Advisor

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June 15, 2015Many investors initially seek out a financial advisor in hopes that they will have some secret knowledge of future economic events or superior research that will help them beat the market. In fact, the first question we are often asked is “What do you think the market is going to do this year?” But market predictions and forecasts (even if they are occasionally accurate) do not equal a good financial advisor, and “Fortune Teller” is a hat we never wear. Instead, we believe our job is more aligned with the roles of an advisor as outlined in the article below. At the end of the day, it is our responsibility to educate our clients, offer objective advice to help them achieve their goals, and hold their hands through market turmoil, all things which are built on a foundation of trust. We hope you will take a few minutes to read this article as a reminder of the true purpose of a financial advisor. 
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Are You Covered?

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April 16, 2015We are pleased to let you know that Maria Tobin CLU, ChFC, LUTCF has joined W. Talbot Carter, CLU, ChFC and the DHG Agency team in an effort to provide more comprehensive service to our clients. Maria and Talbot have extensive experience and can assist you or a family member in reviewing or considering the following:Life Insurance Solutions Term and permanent coverage for families, estate planning and business applications like funding buy/sell agreements, key person policies and deferred compensationLong Term Care Solutions including single premium hybrid policies that eliminate the “What if I don’t use it?” concern and traditional LTC policiesDisability Income ReplacementAnnuity Contract ReviewsBecause circumstances and needs can change over time, it’s always prudent to review your policies and to make sure that they are performing as intended and providing the correct solution.Please let us know if you have an interest in meeting with Maria or Talbot. Their service...
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Investors are no strangers to cycles. Seasons of the year, business cycles, presidential cycles, tax seasons, holiday shopping, and military engagements are all examples of cyclical types of behavior that are often predictable and definitely influence the markets. What time of the year does the most money flow into retirement plans? What quarter do toy companies earn 70%+ of their profits?
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Remember The Lost Decade?

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February 05, 2015Remember The Lost Decade? It wasn’t that long ago that investing money in an S&P 500 index fund would have yielded a negative rate of return. Specifically, between January 2000 and December 2009 the S&P 500 had a total return of (9.1%), hence The Lost Decade label for that 10-year period.As financial advisors, we don’t think in 10-year increments. We don’t even think in 20-year increments. We think long term, big picture so what happens in any rolling 10-year period doesn’t shake or change our fundamental beliefs.We remind you of The Lost Decade because over the last few years, the S&P 500 has done well. Really well. And when that’s the primary index reported in the U.S. financial media, and you are repeatedly bombarded with its outperformance, it’s hard to ignore. So we’d like to go back to basics and remind you of a few key things:1. Different asset classes are in favor at different times and it’s impossible to predict when a specific asset class ...
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The Pit and the PendulumJanuary 21, 2015In the above titled short story, an unfortunate prisoner has to endure two different types of torture. Readers who search for symbolism may likely view this tale as a figurative journey into the psychological depths of decision-making during stock market tumult. Unfortunately, after hundreds of seconds of internet research, I was able to confirm that Edgar Allan Poe died young (age 40) and poor. It is therefore questionable whether Poe intended to write an allegory about Wall Street with his macabre tale. But intended or not, the connection is clear.As a quick review, the story is about a prisoner, during the Inquisition, who wakes up bound and laid beneath a large razor sharp pendulum that lowers with each back and forth stroke, assuring death by slicing. He ingeniously rubs food on his binds, which are eaten by rats, thereby freeing him before the pendulum kills him. Unfortunately, trouble continues when the walls of the prison become red hot a...
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November 25, 2014Recently, I overheard a friend of mine having a phone conversation. He said, “I heard Schwab is rolling out their version of a Robo-Advisor….yeah and it’s gonna be free if you have $50 thousand with them.”Once I got over my feelings about the prospect that my career was going to be taken over by robots, I got to thinking. “How will advisors like myself compete with the proliferation of online robo advisors? How can I add enough value for my clients over online services to justify them keeping me around?” Thankfully, noted financial planning author/speaker Michael Kitces has already written a thorough explanation of how financial advisors must change to coexist with “robo advisors." Kitces notes that robo-advisors like Wealthfront, Betterment and FutureAdvisor can effectively replace “commoditized” functions of investment management such as: utilizing low-cost, tax efficient investment vehicles, setting up an “optimal” asset allocation, auto-rebalancing and t...
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