SPECIAL THANKS TO OUR PARTNER

Asset allocation decisions define about 90% of long-term investment outcomes. With that being said, we believe that equities are better wealth accumulation vehicles than bonds or cash. Successful long-term outcomes are mostly dependent on 4 things:

•           Creating a plan/budget and sticking to it

•           Allocating to a diversified mix of quality assets

•           Putting time on our side (i.e., time in the market, not timing the market)

•           Minimizing large portfolio losses that can destabilize portfolios

The biggest risk we see in portfolios is the disregard for longevity risk. Longevity risk is the risk of running out of money or having to make lifestyle changes due to the under-accumulation of wealth.

Given the likelihood of higher structural inflation and negative real (after inflation) returns from traditional fixed income, we believe the traditional approach to asset allocation (balancing stocks and bonds) must be reconsidered.

James Yahoudy, CFP^® Strategic Relationships

James has worked as an advisor and closely with advisors since 2010. He has been affiliated with an independent broker dealer, RIA custodian, and now Aptus giving him a diverse look into the different advisor business models and channels. Since 2014 he has worked with RIAs in a variety of practice management areas including growth initiatives, technology, and assisting breakaway brokers in the process of going independent. James is a CERTIFIED FINANCIAL PLANNER and graduated from the University of North Texas with a bachelor’s degree in finance.

David Wagner, CFA Equity Analyst & Portfolio Manager

David Wagner is a member of the Aptus Investment Committee and is responsible for equity research, selection, the evaluation of macro-level trends, and advising about the current market environment

Prior to joining Aptus, David worked with both Opus Capital Management and Driehaus Capital Management where he was responsible for conducting research and analysis for various small and microcap equity strategies. David is a regular contributor on CNBC, Bloomberg, WSJ, and Barrons.

David is a CFA Charterholder and a member of the CFA Society of Cincinnati. He earned his BS in Accounting and BBA in Finance from the University of Kentucky. He also earned his MBA specialized in Finance from Xavier University in Cincinnati, OH.