Home
About
Quiz
Documentary Movie
Portfolio
Access
Investor
Education
Wealth
Coaching
Blog
Events
Contact Us
Location
Learn More! Download Our Corporate Profile Here.
6001 Belpree Rd. - Amarillo, TX 79106 - (806) 353-8782
What to know before you make your next investment decision!
Oct. 2011 Newsletter
Money Methods is a fee-based registered investment advisor located in Amarillo, Texas. Money Methods has been serving families and businesses of the Texas Panhandle, and beyond, with their superior service for over 25 years!
Money Methods is locally owned and operated by Charlotte Adams, CFP® and Matt Adams, AIFA®. Charlotte and Matt assist investors by implementing proven, unique investment strategies that create abundance and financial peace of mind for investors.
Many investors blindly trust their advisors and brokers, and assume the advice given is based on what is best for the client. Many times no thought is given to the potential conflicts of interest that are prevelant in the investment industry. As a result, Money Methods chooses to operate as a Registered Investment Advisor, under a FIDUCIARY STANDARD OF CARE for it's clients. A fiduciary standard of care is the highest known to law, and separates Money Methods from most other "financial advisors".
Money Methods offers solutions that are prudent, and backed by over 60 years of award winning academic research in the field of economics.
Please take time to explore the website, and don't hesitate to contact the professionals at Money Methods when you are ready for change.
INVESTOR QUIZ
Before you make another investment decision, you owe it to yourself and your financial future to review these two valuable resources.
Each of these resources may be accessed online free of charge. There are only two criteria that we have in order for you to review these materials. First of all, you must be a resident of Texas. Also, you must understand that this material has been authored and provided by Matson Money (formely known as Abundance Technologies), and is being presented by Matt Adams of Money Methods.
In order to access these valuable resources at no cost to you, please send an email request for the password and access. In the subject line, please state "Password Request" . In the main text, please include your address to verify your state of residence. matt_moneymethods.com
Download A Copy
Listen Online
At Money Methods, we believe that we live in a world of financial chaos: market volatility, information overload, and unlimited financial products from which to choose. We’ve also witnessed financial scandals that have had a dramatic negative impact on the wealth of many people, not to mention threats to our national security.
While personal finance is supposed to be a logical process based on sound analytical principals, many people have found it difficult to maintain composure during these turbulent times. As a result, many people make decisions that run completely counter to their best interest.
Adding to the problem is the fact that many so called “advisors” are actually product salesman in disguise. They offer free advice in the hopes of a product sale. Or worse, they provide investors with voluminous reports that don't simplify the process, but rather create even more confusion and feelings of uncertainty. Simply put...
Traditional Financial Planning has failed. It is not a solution, but rather a part of the problem.
Our mission is to serve not as your broker, or your insurance agent, or even your planner. Our mission is to serve as Your Coach. Wealth Coaching is the missing piece to the puzzle for most investors.
This step-by-step program offers a clear-cut strategy purposely designed to help investors increase peace of mind with regard to lifelong financial matters. This is achieved by building a clearly defined relationship between financial professional and investor. Rather than concentrating on products, short-term return numbers, charts and graphs, this relationship is based on mutual trust and a common focus on discovering and expanding upon the investors True Purpose for Money over a lifetime.
This approach also places emphasis on the vast body of award winning academic research that has been done in the field of investing over the last 50+ years. We believe a passive, globally diverisified, academically constructed portfolio is the most prudent way to grow and protect your wealth.
Financial education is the first step to financial freedom and independence! We can educate and educate and educate, but if you are looking for a resolution to your troubling investment issues, you must make a firm investment philosophy decision and take action. By not making a decision and taking action you will continue to receive the same emotional and financial results you have experienced in the past. Knowing is not enough, you must apply your new knowledge! It does not matter how much money you have! It’s about your peace of mind! Knowledge without application has no lifetime benefits. Change is essential. Without change, you get the same bad results. You are not hopeless or helpless! You have a choice.
The link to mymatrix.cc is available for both Free Market investors and also their friends. Only the Free Market investors can access their personal investment accounts, as they will need to login with a password. However everyone can enjoy the educational videos and audios on this link and also our website. Feel free to contact our firm if you have any questions or desire a complimentary appointment regarding implementing the Free Market philosophy into your investment portfolio.
Investor Education and Training
"An investment in knowledge pays the best interest" - Benjamin Franklin
The following videos are designed to be viewed by current clients of Money Methods. Each link below will require a password to enter. Please contact our office at 806.353.8782 for this password if you do not already have it.
The Marketing Game
Investing Myths
The Truth Of Investing
20 Must Answer Questions
Star Ratings Mean Nothing
Predicting is Speculating!
What Should You Be Doing?
Choosing Your Investment Philosophy
Another great resource, in addition to the videos, is a new book by Daniel Goldie & Gordon Murray. The Investment Answer is an easy to read book that does an excellent job educating investors on the very same topics covered in the videos. The professionals at Money Methods encourage you to pick up a copy at your local bookstore, or contact us if you wish to check one out of our personal library for a few days.
Investment Philosophy
Most investors blindly trust their advisors or the media (magazines, newspapers and television) for help with their investments. This information tends to be biased, and is designed to sell investment products rather than create peace of mind for the investor. What benefits mutual fund companies, insurance companies and banks doesn't always benefit the investor. At Money Methods, our success is tied to your success. This is why we utilize The Investor Coach Approach.
The Investor Coach Approach, is specifically geared to help investors avoid the pitfalls of investing. As investors, it is easy to become overwhelmed and confused by conflicting messages in the media. We may experience anxiety, worry or even complacency about making the best decisions to reach lifelong financial goals. This step-by-step program offers a clear-cut strategy purposely designed to help investors increase peace of mind with regard to lifelong financial matters. This is achieved by building a clearly defined relationship between financial professional and investor. Rather than concentrating on products, short-term return numbers, charts and graphs, this relationship is based on mutual trust and a common focus on discovering and expanding upon the investors True Purpose for Money over a lifetime.
Upcoming Events
Coming Soon!
About Us
Charlotte Adams began her career in financial services in 1982. After much hard work, and early success, she incorporated Money Methods in 1985. Since the beginning, Money Methods has operated it's business on what we call "Rule #1". Rule #1 was adopted from scripture, and is also known as "The Golden Rule". It simply states, "do unto others, as you would have them do unto you." Charlotte realized that if Money Methods could serve clients with this as the goal and aim, success would certainly come. Since that time, Money Methods has continued to be on the leading edge of industry trends and developments, and is blessed to have so many loyal and dedicated clients.
In the early years, the Money Methods team consisted of only Charlotte and her assistant Carol. By 1990, they were joined by Charlotte's husband, Brent Adams, as an insurance agent and comptroller. In 1997, Charlotte's son, Matt Adams, joined the firm working with clients and portfolio management. Money Methods truly became a "family business". Today, Money Methods has 4 full-time and 3 part-time employees.
Money Methods has been a Better Business Bureau accredited business since 1991, and in 2003, Money Methods was recognized as a finalist for the Better Business Bureau Torch Awards, for market place ethics.
Charlotte Adams
CERTIFIED FINANCIAL PLANNER™
Matt Adams
Accredited Investment Fiduciary Analyst™
Investor Quiz
5. Do you have a system to measure diversification in your portfolio? (Does owning lots of stocks or mutual funds equal diversification? Will all of your holdings move down together during the next market downturn?)
6. Do you have system to measure the volatility in your portfolio? (If you can’t measure the risk or volatility then how can you expect to control it?)
7. Do you consistently and predictably achieve market returns? (The vast majority of investors don’t.)
8. Have you measured the total amount of commissions and costs in your portfolio? (There are often fees and expenses that are not easily visible to the investor)
9. Do you have an Investment Policy Statement? (This is mandatory for qualified pension plans. If it is good for them it may also good for you.)
10. Do you know the three warning signs that you or your advisor are gambling and speculating with your money versus prudently investing it?
A properly educated investor should be able to answer "yes" to most all of these questions. If you are not able to answer "yes" then give us a call to learn how we can help you become a more educated investor.
Below are the Must Answer Questions that every investor should work to answer if they want to achieve investing confidence and peace of mind. The battle for sound investing is often created between your two ears. In other words, if you are not an educated investor then you are easily susceptible to fear, anxiety, stress and confusion regarding your important investment decisions.
See if you can answer "yes" to the following questions. Remember, you must be 100% confident that you know the answer in order for it to qualify as a "yes" answer.
1. Are you invested in the market? (This should be an easy one!)
2. Do you know how markets work? (Do you understand the underlying dynamics of the market? If not, you are setting yourself up for stress and anxiety when the markets underperform.)
3. Have you defined your investment philosophy? (Do you believe that markets are efficient or do you believe that markets are inefficient? Does your investment strategy match your investment philosophy?)
4. Have you identified your personal risk tolerance? (At what negative return level do you become unable to "hang in there" when markets are down?)
(Featuring: John Bogle, Louis Harvey, Mark Matson, Charles Ellis, Matt Adams, and many more...)
In order to view the feature length documentary, NAVIGATING THE FOG OF INVESTING , please request a password from our office and follow the link below. This movie is only available for Texas residents from this website.
Matt Adams had an opportunity to be interviewed and participate in this direct look behind the scenes of the investment industry. This film is an exposure and rebuke of the investing myths promoted by the industry. This is a must see for every investor!
Once you have your password, please follow this link to the documentary
Here is a 7 minute clip of the documentary!
6001 Belpree Rd.
Amarillo, TX 79106
Phone: 806-353-8782
Fax: 806-353-8788
Investor Awareness Guide.pdf
Publications for Texas residents only. All publications are authored and provided by Matson Money (formely named Abundance Technologies), presented by Matt Adams of Money Methods.
7 Deadly Investor Traps Audio
Money Methods 1 brochure.pdf
More Videos
MORE VIDEOS
Click Here To View Video 2
Analysis Paralysis
Something brokers would rather their clients not understand..
Needs to buy a financial product , or execute some type of brokerage transaction.
Prefers the professional to be compensated by commissions paid from the product provider.
Split loyalty and undisclosed conflicts of interest are not a concern.
Needs comprehensive and continuous investment advice .
Prefers to compensate the professional with a fee for the advice in order to limit conflicts of interest.
Wants the professional to be required to put client's best interest first at all times.
Broker or Registered Representative of broker/dealer
( Suitability Standard of Care - Whatever is recommended must be appropriate for your current situation. You must simply qualify for the product).
Registered Investment Advisor
( Fiduciary Standard of Care - The highest standard of care known to law. Required by law to put the client's BEST INTEREST first at all times. Any and all potential conflicts of interest must be disclosed in writing - Form ADV.
Tendency: Sales/Commission Driven
Tendency: Advice/Relationship Driven
CHANGES TO COST BASIS KEEPING
With new rules and regulations come changes in process and procedures! Please take note that we will not be automatically sending out cost basis or gains and losses reports for the tax year. If you have Matrix or Efficient Advisors, you will be able to access this on your account information there. This information should also come from the custodian (Schwab or Ameritrade).
REQUIRED MINIMUM DISTRIBUTIONS FOR THOSE 70 ½
If you turned 70 ½ this year, do not forget to take the Required Minimum Distribution from your IRA this year. You actually have until April 1 of 2012, but we suggest it is better to take the first distribution this year; otherwise, you will be required to take two next year. The penalty for not taking the required amount is a 50% fine on the amount that should have been distributed – so be sure to call if you have not requested it.
We thank you for allowing us to service your investment and financial planning needs and are blessed because of you, our clients. We want to meet your needs in the best possible manner and welcome your input if there are areas that need to be improved.
We appreciate all those who were able to attend the workshops last month and will have more scheduled in the near future. New materials and more learning opportunities will be available. Educated investors sleep well. Come learn to be stress-free!
Sincerely,
Charlotte Adams, CFP® & Matt Adams, AIFA®
ACM Money Methods, Ltd. is registered as an investment advisor with the state of Texas. If you do not reside within the state of Texas, please contact ACM Money Methods, Ltd. to determine if services are available to you. There are no guarantees that are expressed or implied. All content is strictly for informational purposes only. Much effort is made to verify the accuracy of any information given, but there is no guarantee as to the accuracy of this information. This is not an offer of sale of securities. All investing involves risks and costs. Your coach can provide you with more information about the risks and costs associated with specific programs. No investment strategy (including asset allocation and diversification strategies) can ensure peace of mind, assure profit, or protect against loss. To request a copy of ACM Money Methods, Ltd.'s privacy policy, please contact Money Methods at 806-353-8782. In addition to her role at ACM Money Methods, Ltd., Charlotte Adams acts as a registered representative of Summit Alliance Securities, Member FINRA/SIPC. As a result, securities may be offered through Summit Alliance Securities LLC., Member FINRA/SIPC. Summit Alliance Securities LLC. is not affiliated with ACM Money Methods, Ltd.
