Look­ing Back Helps Ad­vi­sors Look Ahead

McLaugh­lin Ry­der In­vest­ments, Inc.

The Suit - - Contents -

In 2011, “The Wall Street Jour­nal” re­ported that the Fi­nan­cial Cri­sis In­quiry Com­mis­sion— ap­pointed by the Fed­eral gov­ern­ment to in­ves­ti­gate the fi­nan­cial cri­sis of 2008—“blamed fail­ures in fi­nan­cial reg­u­la­tion, flaws in cor­po­rate gov­er­nance, and ex­ces­sive bor­row­ing as key el­e­ments lead­ing to the melt­down.” The warn­ing signs were there as ex­perts from fi­nance, gov­ern­ment, and in­dus­try now con­cur, but as they, say hind­sight is 20/20.

Shawn P. McLaugh­lin, Pres­i­dent and CEO of McLaugh­lin Ry­der In­vest­ments, Inc., agrees. “It’s easy to see the warn­ing signs in ret­ro­spect, but what is clear to­day was very, very foggy back then,” he said re­flect­ing back to a time where Americans suf­fered through eco­nomic shock treat­ments.

Prob­a­bly one of the big­gest signs was how easy it was to buy a home said McLaugh­lin. “Almost any­one could get ap­proved for a mort­gage loan. Peo­ple were tak­ing out more money than they needed for the home pur­chase so they could invest the rest and make a great re­turn. That was a huge red flag,” he said.

McLaugh­lin Ry­der In­vest­ments, based in Alexan­dria, VA, uses a con­ser­va­tive ap­proach, is com­mit­ted to solid in­vest­ments, and has a pen­chant for pa­tient in­vestors. As a re­sult, their clients sur­vived the eco­nomic tur­moil. “We have al­ways taken a bal­anced ap­proach so we were not 100 per­cent eq­uity ori­ented in our clients’ port­fo­lios,” said McLaugh­lin mak­ing the com­par­i­son that it was no dif­fer­ent in his ap­proach in the early 2000’s when the dot.com bub­ble burst. While they did have some hold­ings in in­ter­net tech­nol­ogy and growth, they didn’t sell their long-time fa­vorite blue-chip hold­ings in fa­vor of them.

McLaugh­lin is an Ac­cred­ited In­vest­ment Fidu­ciary™ (AIF®), a pres­ti­gious des­ig­na­tion earned by com­plet­ing in-depth train­ing and ex­am­i­na­tions. AIF® sta­tus brings added value to the client re­la­tion­ship and demon­strates an ad­vi­sor’s com­mit­ment to per­form in the client’s best in­ter­ests.

The slow and steady in­crease in longevity that has oc­curred in the U.S. is an area that is top of mind at McLaugh­lin Ry­der In­vest­ments. “Peo­ple are liv­ing longer - It is a dis­ser­vice not to help your clients prop­erly plan for a re­tire­ment cy­cle that could be as long as you were in the wage earn­ing cy­cle,” said McLaugh­lin.

Vice Pres­i­dent and Di­rec­tor of Hu­man Re­sources, Julie Theobald added, “We en­cour­age both spouses to come to meet­ings and par­tic­i­pate so it is not just one of them that un­der­stands the fi­nan­cial as­pects of their big pic­ture, and that both spouses un­der­stand the as­sets they own and their fi­nan­cial plan.”

McLaugh­lin was named as a Top Fi­nan­cial Pro­fes­sional by “North­ern Vir­ginia Mag­a­zine” in 2014, 2013 and 2012. He ob­serves that to­day, peo­ple have more ques­tions com­pared to what he ex­pe­ri­enced early in his 30-year ca­reer and he is happy to lis­ten, as long as it is an open di­a­log. Mem­ber FINRA & SIPC Se­cu­ri­ties of­fered by McLaugh­lin Ry­der In­vest­ments, Inc. In­vest­ment Ad­vi­sory Ser­vices of­fered through McLaugh­lin Ry­der Ad­vi­sory Ser­vices, LLC a Regis­tered In­vest­ment Ad­vi­sor.

Shawn P. McLaugh­lin, AIF®,

Pres­i­dent and CEO

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