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10 Factors Affecting Our ...

1.  How much you earn (singles most important factor)
2.  Wise shopping and spending
3.  How much you save in permanent savings (not "in and out" savings)
4.  Your tax burden
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5 Fundamentals of Fiscal ...

These concepts serve as the foundation for achieving financial independence
  1. Save 10% of your annual income,
  2. Have sufficient liquidity
  3. Fully fund your pensions
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12 Revisions
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Bridge Line

Teleconferencing line for up to 99 participants. Calls can be recorded and downloaded at no addiitonal cost. ACA members or groups can be set up with their own Access code for their own 24/7 bridge li
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1 Revisions
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Attestation (Form)

A form required to be signed and submitted each year at renewal; it indicates themember's compliance with ACA's membership requirements.
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2 Revisions
Status: Needs a little more detail

ACA

Alliance of Cambridge Advisors
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ADV

The form/disclosure that is required to be completed and maintained by those seeking or functioning as Registered Investment Advisor with either the state of the SEC.
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Status: Needs a little more detail

SPARC

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AdobeConnect

Web conferencing tool used by ACA support team and PATs/Committees. Allows for desktop sharing, whiteboarding, and presentations. Sessions can be recorded with integrated audio for online, on-demand a
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C1 Nonproductive Property

A block on the Pyramid comprised of any real estate property that is not income producing (vacant land, vacation homes etc).
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A1 Cash on Hand

A foundation block on the Pyramid comprised of cash, checking accounts, savings and money market accounts that have no tax ramification.
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1 Revisions
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CPA/PFS

Certified Public Accountant designation granted by the American Institute of Certified Public Accountants after the completion of a comprehensive exam and educational requirements. PFS is a specialized
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1 Revisions
Status: Someone confirm this is accurate

A5 Personal Items

A foundation block on the Pyramid comprised of the discounted value of itemssuch as furniture, appliances, clothing and cars (do no include collectiblesor antiques).
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B3 Domestic MF

A block on the Pyramid comprised of domestic mutual funds (large, mid and smallcapitalization)
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A4 Employer Stock

A foundation block on the Pyramid comprised of the value of stock or stockoptions held in the client’s employer company.
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1 Revisions
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Functional Asset Allocation ...

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A2 Emergency cash/Short Term ...

A foundation block on the Pyramid comprised of cash held in accounts that wouldhave tax consequences if accessed or short term bonds or short term bondmutual funds.
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PITA Factor

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Score   3.6/5
1 Ratings
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B1 Long Term Bonds

A block on the Pyramid comprised of bonds or bond mutual funds with maturity greater than 12 or 18 months.
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B4 International/Gold

A block on the Pyramid comprised of international or global mutual funds and/or gold coins or buillion
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A3 Personal Residence

A foundation block on the Pyramid comprised of the client’s personal residence(FMV, mortgage and equity)
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1 Revisions
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