Maryalene LaPonsie of U.S. News & World Report includes Ryan Heider, financial advisor at Cirrus Wealth Management, in an article discussing how convenience can add unnecessary expenses to your budget. “A lot of these subscription services start being very convenient and then end up burning your budget. If you haven't used one in two weeks, let it go," he says
Andrea Coombes of NerdWallet includes Joe Heider, president of Cirrus Wealth Management, in an article discussing how workers can pay off debt while saving for retirement. Heider comments on starting up an emergency savings account, “Having at least a couple of months’ worth of expenses saved up is good planning. You lose your job, you get laid off, you get sick — it gives you a bit of a cushion when you need it most.”
Reshma Kapadia of Barron’s includes Joe Heider, president of Cirrus Wealth Management, in an article discussing unforeseen expenses and the investor impact of a market dip. “The dilemma is if those ‘unforeseen’ expenses become somewhat of a regular occurrence. If the markets fall 20 percent and the kids have become accustomed to that money, it’s going to be problematic,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Ben Mattlin’s Financial Advisor article discussing uncapped fixed-indexed annuities (FIAs). “Uncapped FIAs will normally outperform FIAs with caps when the equity markets are generating a very high return, and underperform in other years,” he says.
New job? How to become a retirement-plan rollover champ
May 23, 2018
Mark Henricks of CNBC.com includes Joe Heider, president of Cirrus Wealth Management, in an article discussing the options for rolling over past 401(k) funds. “If something comes up that's unexpected, such as you're fired or laid off, don't feel pressured. Take a little bit of time, get over the emotion of the moment, and sit back and look at all your options,” he says.
5 Things Investors Got Wrong About the Markets This Year — and How You Can Profit From Their Mistakes
May 17, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Ryan Derousseau’s Money article discussing why investors shouldn’t panic when Wall Street shows signs of distress. As the saying goes, ‘bull markets like to climb a wall of worry.’ Instead, “Use rising volatility as an opportunity to reevaluate how much risk you want in your portfolio,” he says.
Rebecca Lake of U.S. News & World Report includes Joe Heider, president of Cirrus Wealth Management, in an article discussing where the idiom, “sell in May and go away,” comes from and how investors should think about this advice. “September is generally the worst-performing month of the year, and the summer months tend to be flat. So if you split up the year from October to May, you have a better performance pattern during those months,” he says.
Triad grabs $325M Royal Alliance team after record recruiting year
April 26, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Tobias Salinger’s Financial Planning article highlighting the firm for choosing Triad Advisors as its new broker dealer and RIA custodial platform.
Most of your loans are based on the 10-year Treasury rate — which just hit its highest point in four years
April 24, 2018
Joe Heider, president of Cirrus Wealth Management, is included in Martha White’s NBC News article discussing the consumer impact of rising interest rates. “If you have a disciplined approach to your investing, you should stay the course and not panic. However, if your equity exposure has risen dramatically, this is a good time to look at potentially taking some profits off the table since nobody knows how the markets will react,” he says.
Joe Heider, president of Cirrus Wealth Management, is included in Evie Liu’s Barron’s article discussing bank stock performance amid earnings season. “The banks have been over performing for several years. This simply may be a case of bank stocks getting ahead of themselves. They may be taking a breather at this point and can regain leadership at a later date,” he says.
DOL Fiduciary Rule Ambiguity Mustn’t Derail Quality Client Service
March 23, 2018
Joe Heider, president of Cirrus Wealth Management, is featured in John Manganaro’s PlanAdviser article discussing how the firm has navigated the DOL fiduciary rule. “Part of what has helped us maintain our direction is that, whether or not it is formally written out in the client service agreements, we strive to act as a best-interest fiduciary to our clients. This is crucial for feeling confident in this uncertain marketplace. Particularly when it comes to the parts of the business that touch on 401(k) plans, we will continue to view this as extremely important, come what may with the fiduciary rule,” he says.
Financial Industry Celebrates, Mourns Fiduciary Rule Decision
March 16, 2018
Chris Robbins of Financial Advisor includes Joe Heider, president of Cirrus Wealth Management, in an article discussing the implications of the DOL news about the fiduciary rule. “No matter how this is resolved, most RIAs and advisors have modified their practices in anticipation that the DOL rule would be implemented. There's been many changes and this will have to be resolved to bring uniformity to the industry,” he says.