Understanding the Power of Money

What is your decision making process?

We focus so much on what decisions our advisors are making for us, but do we ever stop and ask them what exactly their decision making process is? How do they come to the conclusions they do? One of the major questions you should ask your advisor and yourself, is what is my decision making process? GET OUR FREE BUDGET TEMPLATE [https://docs.google.com/forms/d/e/1FAIpQLScs7BJV3zeuu0v-_9k_2n5rysWf-pTYJ1Lj97MQs9lB455XIQ/viewform] IMPORTANT NOTICE AND DISCLOSURE   The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient please delete the message and notify the sender immediately.  Advisors Capital Management, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. As a precautionary measure, we cannot rely on e-mail requests to authorize, direct or effect the purchase or sale of any security, wire transfer, or to affect any other transactions.  Such requests, orders, or other instructions sent by email should be confirmed verbally, or by written instructions faxed to 201-857-4099 prior to their anticipated execution.  We are unable to ensure email sent to you from us, or sent from you to us will be received. Please contact us at 845-652-3449 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Advisors Capital Management, LLC with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.     Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the author(s) and not necessarily those of Advisors Capital Management or its affiliates. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk. These materials are provided for informational purposes only and should not be used or construed as a recommendation of any security, sector, or investment strategy. Advisors Capital Management does not provide legal or tax advice and the information provided herein is general in nature and should not be considered legal or tax advice. Past performance and dividend rates are historical and do not guarantee future results.  Investing involves risk, including risk of loss. Diversification does not ensure a profit or guarantee against a loss.

Hire a financial planner or do it myself?

We all know that beating the market consistently doesn't happen, but is hiring a financial planner worth it if they can't beat the market? What other value can an advisor provide? Most financial planners will always tell you, "of course you should hire us," but in this episode I look at what exactly the value add is, and quantify it into actual dollars and cents. We also look at the true value of an financial advisor and if you should hire one or not. GET OUR FREE BUDGET TEMPLATE [https://docs.google.com/forms/d/e/1FAIpQLScs7BJV3zeuu0v-_9k_2n5rysWf-pTYJ1Lj97MQs9lB455XIQ/viewform] IMPORTANT NOTICE AND DISCLOSURE   The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient please delete the message and notify the sender immediately.  Advisors Capital Management, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. As a precautionary measure, we cannot rely on e-mail requests to authorize, direct or effect the purchase or sale of any security, wire transfer, or to affect any other transactions.  Such requests, orders, or other instructions sent by email should be confirmed verbally, or by written instructions faxed to 201-857-4099 prior to their anticipated execution.  We are unable to ensure email sent to you from us, or sent from you to us will be received. Please contact us at 845-652-3449 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Advisors Capital Management, LLC with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.     Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the author(s) and not necessarily those of Advisors Capital Management or its affiliates. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk. These materials are provided for informational purposes only and should not be used or construed as a recommendation of any security, sector, or investment strategy. Advisors Capital Management does not provide legal or tax advice and the information provided herein is general in nature and should not be considered legal or tax advice. Past performance and dividend rates are historical and do not guarantee future results.  Investing involves risk, including risk of loss. Diversification does not ensure a profit or guarantee against a loss.

Questions to ask before hiring a financial advisor

We ask a million questions when buying a new dishwasher, but only ask about performance when hiring a financial planner. It is so much more than that. Find out the questions you should be asking an advisor before you engage with them, and what really matters when making such an important decision. Make an Appointment to speak with Amit Chopra [https://calendly.com/forefrontwealthplanning]  [https://calendly.com/forefrontwealthplanning] GET OUR FREE BUDGET TEMPLATE [https://docs.google.com/forms/d/e/1FAIpQLScs7BJV3zeuu0v-_9k_2n5rysWf-pTYJ1Lj97MQs9lB455XIQ/viewform] IMPORTANT NOTICE AND DISCLOSURE   The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient please delete the message and notify the sender immediately.  Advisors Capital Management, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. As a precautionary measure, we cannot rely on e-mail requests to authorize, direct or effect the purchase or sale of any security, wire transfer, or to affect any other transactions.  Such requests, orders, or other instructions sent by email should be confirmed verbally, or by written instructions faxed to 201-857-4099 prior to their anticipated execution.  We are unable to ensure email sent to you from us, or sent from you to us will be received. Please contact us at 845-652-3449 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Advisors Capital Management, LLC with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.     Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the author(s) and not necessarily those of Advisors Capital Management or its affiliates. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk. These materials are provided for informational purposes only and should not be used or construed as a recommendation of any security, sector, or investment strategy. Advisors Capital Management does not provide legal or tax advice and the information provided herein is general in nature and should not be considered legal or tax advice. Past performance and dividend rates are historical and do not guarantee future results.  Investing involves risk, including risk of loss. Diversification does not ensure a profit or guarantee against a loss.

What the hell is cryptocurrency?

Unless you've been living under a rock for the past five years, you've probably heard of cryptocurrency. But most people have no idea how it works, and are unaware of the potential benefits and risks. Listen to this week's podcast and let us give you some direction. Make an Appointment to speak with Amit Chopra [https://calendly.com/forefrontwealthplanning]  [https://calendly.com/forefrontwealthplanning] GET OUR FREE BUDGET TEMPLATE [https://docs.google.com/forms/d/e/1FAIpQLScs7BJV3zeuu0v-_9k_2n5rysWf-pTYJ1Lj97MQs9lB455XIQ/viewform] IMPORTANT NOTICE AND DISCLOSURE   The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient please delete the message and notify the sender immediately.  Advisors Capital Management, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. As a precautionary measure, we cannot rely on e-mail requests to authorize, direct or effect the purchase or sale of any security, wire transfer, or to affect any other transactions.  Such requests, orders, or other instructions sent by email should be confirmed verbally, or by written instructions faxed to 201-857-4099 prior to their anticipated execution.  We are unable to ensure email sent to you from us, or sent from you to us will be received. Please contact us at 845-652-3449 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Advisors Capital Management, LLC with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.     Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the author(s) and not necessarily those of Advisors Capital Management or its affiliates. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk. These materials are provided for informational purposes only and should not be used or construed as a recommendation of any security, sector, or investment strategy. Advisors Capital Management does not provide legal or tax advice and the information provided herein is general in nature and should not be considered legal or tax advice. Past performance and dividend rates are historical and do not guarantee future results.  Investing involves risk, including risk of loss. Diversification does not ensure a profit or guarantee against a loss.

Are we in a housing bubble?

Are we in a housing bubble? Homebuyers are reporting bidding wars while sellers are seeing 60+ showings within the first few days. Low interest rates, and a host of other things are contributing to our current market conditions. All that being said, the question remains, are we in a housing bubble? Listen and find out what we think.  GET OUR FREE BUDGET TEMPLATE [https://docs.google.com/forms/d/e/1FAIpQLScs7BJV3zeuu0v-_9k_2n5rysWf-pTYJ1Lj97MQs9lB455XIQ/viewform] Make an Appointment to speak with Amit Chopra [https://calendly.com/forefrontwealthplanning]  [https://calendly.com/forefrontwealthplanning] IMPORTANT NOTICE AND DISCLOSURE   The information and material contained in this communication is confidential and intended for the recipient addressee named.  If you are not the intended recipient please delete the message and notify the sender immediately.  Advisors Capital Management, LLC is an Investment Adviser registered with the Securities and Exchange Commission. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. As a precautionary measure, we cannot rely on e-mail requests to authorize, direct or effect the purchase or sale of any security, wire transfer, or to affect any other transactions.  Such requests, orders, or other instructions sent by email should be confirmed verbally, or by written instructions faxed to 201-857-4099 prior to their anticipated execution.  We are unable to ensure email sent to you from us, or sent from you to us will be received. Please contact us at 845-652-3449 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions.  Additionally, we recommend you compare any account reports from Advisors Capital Management, LLC with the account statements from your Custodian.  Please notify us if you do not receive statements from your Custodian on at least a quarterly basis.  Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.     Views expressed are as of the date indicated, based on the information available at that time, and may change based on market and other conditions. Unless otherwise noted, the opinions provided are those of the author(s) and not necessarily those of Advisors Capital Management or its affiliates. Investment decisions should be based on an individual’s own goals, time horizon, and tolerance for risk. These materials are provided for informational purposes only and should not be used or construed as a recommendation of any security, sector, or investment strategy. Advisors Capital Management does not provide legal or tax advice and the information provided herein is general in nature and should not be considered legal or tax advice. Past performance and dividend rates are historical and do not guarantee future results.  Investing involves risk, including risk of loss. Diversification does not ensure a profit or guarantee against a loss.