ABOUT NIDA FINANCIAL GROUP

Barnes and NidaCHUCK NIDA

Chuck Nida began his career as a financial advisor in January of 1991. For over 26 years, Chuck has specialized in four key areas of planning: Retirement, Estate, Business and Personal. He hosted “The Golden Life,” a financial educational program on AM 1450 WBHF for over 12 years. Chuck’s knowledge in Financial and Estate Planning has been recognized by Atlanta Magazine’s Five Star Wealth Managers for five consecutive years*.

In addition to financial planning for individuals, Chuck conducts seminars, conferences and workshops for business, civic and church groups on the subjects of Retirement and Estate planning, as well as personal and investment strategies. Chuck has a passion to educate the public on Charitable Planning, often being sought as a guest speaker to address non-profits and church congregations on the subject of planned giving and creating a lasting legacy.

Chuck has been actively involved in his own community, being a committee chair for the Small Business Council for the Cartersville-Bartow County Chamber of Commerce, past President of the Cartersville Rotary Club, past President of the Cartersville chapter of NAIFA and has served as an active board member for the Chamber of Commerce, The Good Neighbor Homeless Shelter and the Red Cross.  He currently serves as a board member of Family Promise and Allatoona Resource Center.

Chuck’s passion to help others is summed up in the Nida Financial Group’s vision statement:

To cultivate valued relationships that positively impact you, your family, your legacy and your community.

*Award based on 10 objective criteria associated with providing quality services to clients such as credentials, experience, and assets under management among other factors. Wealth managers do not pay a fee to be considered or placed on the final list of 2012-2016 Five Star Wealth Managers.

 

TOMMY BARNES

Tommy Barnes joined Nida Financial Group in January of 2017. He is a native of Rome, Georgia, and has lived in Cartersville for the past 20 years. He graduated from North Carolina State University and began his career in the paper industry as an engineer with Georgia Kraft Company in Rome. During his 35- year career in the paper industry Tommy enjoyed numerous assignments of increasing responsibility including managing a $110 million upgrade of the Rome facility, and managing production at the company’s mill in Orange, Texas. Tommy recently retired from International Paper in Rome where he was the Operations Manager.

Tommy received his MBA from Berry College, and has always enjoyed financial planning and investment analysis on a personal level. Now, as a member of Nida Financial Group, Tommy shares Chuck’s vision to help others by cultivating valued relationships that positively impact you, your family, your legacy and your community.

Tommy is an active member of Tabernacle Baptist Church where he and his wife, Vicki, enjoy teaching a Life group. Tommy and Vicki have three children, Daniel, Liz, and Hannah.

CHUCK NIDA & TOMMY BARNES
NIDA FINANCIAL GROUP
CARTERSVILLE, GEORGIA
770-771-5144

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NIDA FINANCIAL GROUP CHOSEN TO JOIN THE BRAIN TRUST

CARTERSVILLE, GA – April 24, 2017 – Chuck Nida & Tommy Barnes have affiliated their financial planning practice, Nida Financial Group with Integrated Financial Group, a consortium of professional advisors headquartered in Atlanta, GA.  Chuck & Tommy say, “This is truly an exciting day for our clients and associates as we align with the services and support of Integrated Financial Group.”  Their vision is to cultivate valued relationships that positively impact you, your family, your legacy and our community.  They added, “The ideas, innovation, and brain power that come with being part of such a dynamic group will be a substantial resource for our clients.”

Don Patrick, the consortium’s Managing Director says, “The Consortium members are thrilled to have Chuck & Tommy associate with us. They have an excellent reputation and are experienced financial advisors.”

When clients retain an advisor that is part of the Integrated Financial Group consortium, they can rest assured that they are dealing with an advisor that has passed a rigorous vetting process in order to join the consortium. The consortium maintains strict requirements for all advisors who are allowed to associate with Integrated Financial Group. Factors such as experience, professional designations and education, a disciplined planning process, excellent client service standards, and adherence to the consortium’s ethical guidelines are but a few.” Additionally, Patrick states, “Every advisor that wants to join the consortium must pass a stringent interview and selection process with the consortium’s advisory board to ensure the advisor maintains similar philosophies and a passionate commitment to our profession and their clients.”

Patrick says that the consortium undergoes an extensive evaluation of every prospective advisor. They must be able to deliver leading edge advice, direction and financial planning strategies, all based on conservative, proven financial and economic principles. “Chuck & Tommy passed our process with flying colors and will be a great addition to our consortium. They bring experience, tremendous knowledge and an excellent service philosophy to their clientele.”

  

ABOUT INTEGRATED FINANCIAL GROUP

Integrated Financial Group is one of the largest independent financial planning consortiums in Atlanta which is responsible for over $1.5 billion in brokerage and advisory assets through LPL Financial and over $700 million in assets under management through its separate registered investment advisor, IFG Advisory, LLC as of 3/1/17.*  With 80 Consortium Members independently owning firms across 10 states, we form a diverse, experienced and qualified group of professionals to deliver sound investment advice and financial strategies for your life. If you want a sound financial plan for life, get connected with The Brain Trust today.

*Based on assets under advisement since September 2016, Atlanta Business Chronicle

Market Challenges…

LPL_logo_541_LARGE_New_Outlines

4707 Executive Drive

San Diego, CA 92121-3091

 February 17, 2016

 

Dear Valued Investor:

Staying focused on long-term goals can be difficult during periods of heightened volatility such as we have experienced over the last six months. Although the list of market concerns has grown, it remains important to see the full picture and remain committed to a long-term plan.

There are some legitimate concerns that have played into market uncertainty. U.S. economic growth during the final three months of 2015 was lackluster, fueling recession concerns. Domestic earnings have been falling. The Federal Reserve (Fed) seems intent on pursuing additional interest rate hikes, despite the message from financial markets that it might be a mistake. Oil prices may remain low for some time as we endure the slow process of supply adjustment, which suggests more energy company bankruptcies may be ahead. In addition, the uncertainty surrounding the U.S. presidential election may be weighing on confidence, as some of the candidates’ proposals are not perceived to be market-friendly.

Looking abroad, China has fumbled its attempts to intervene and stabilize its financial and currency markets as the bumpy transition to a more services-based, consumer-oriented economy continues. Meanwhile, China’s economy is probably growing at a rate closer to 5 – 6% than its reported 6.5 – 7%, based on the most reliable and timely economic data available. European economic growth has stalled and the health of European banks is being called into question, largely because of exposure to oil and China. Japan’s economy also contracted in the fourth quarter of 2015.

However, bright spots remain. The U.S. consumer and the services sector of the economy remain solid, evidenced by Friday’s (February 12) strong retail sales report for January 2016. Job gains have been steady and lifted wages, supporting consumer spending and home values. Low gas prices have also helped.

Strength in the U.S. dollar, which has hurt exports and weighed on earnings for U.S-based multinational corporations, has abated. We also take some comfort in corporate fundamentals. Corporate profits are pausing — largely because of temporary factors — but are not collapsing. Excluding the commodity sectors, S&P 500 earnings are on track to rise a respectable 4% year over year in the fourth quarter of 2015 based on Thomson-tracked consensus estimates. Overall earnings are potentially poised to resume growth in the second half of 2016, and corporate balance sheets remain in excellent shape outside of the energy sector.

As disappointing as the start to this year has been, the year-to-date decline for the broad stock market, as measured by the S&P 500, is still less than the average maximum decline in any given calendar year (14%) or in any positive year (11%). Going back 40 years, the S&P 500 has been down 5% or more after the first six weeks of the year 10 other times besides this year. The rest of the year was down more than 10% only once, in 2008, so a big drop from here would be extremely rare by historical standards. Also keep in mind the long-term average gain for stocks is about 8%, which includes a lot of ups and downs.

It’s important to remember that the best investment opportunities are often at points when fear is at its highest, which is why we look at sentiment indicators to identify points where the sellers might be exhausted. This idea was captured well by Warren Buffett in October 2008 when he said, “Be fearful when others are greedy, and be greedy when others are fearful.” There is a lot of fear out there, suggesting that greed may be more profitable.

We continue to monitor a variety of market and economic indicators for signs of a recession, and the odds now remain low. What remains key to managing these market environments is maintaining a long-term perspective, staying diversified, and committing to a well-formulated investment plan.

As always, if you have any questions, I encourage you to contact your financial advisor.

Sincerely,

LPL signature

SVP, Chief Economic Strategist

LPL Research

*The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual security. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results.  Economic forecasts set forth may not develop as predicted.  Investing in stock includes numerous specific risks including: the fluctuation of dividend, loss of principal, and potential liquidity of the investment in a falling market.  Because of its narrow focus, specialty sector investing, such as healthcare, financials, or energy, will be subject to greater volatility than investing more broadly across many sectors and companies.  There is no guarantee that a diversified portfolio will enhance overall returns or outperform a nondiversified portfolio. Diversification does not ensure against market risk.  Investing in foreign and emerging markets securities involves special additional risks. These risks include, but are not limited to, currency risk, political risk, and risk associated with varying accounting standards. Investing in emerging markets may accentuate these risks.  Commodity-linked investments may be more volatile and less liquid than the underlying instruments or measure, and their value may be affected by the performance of the overall commodities baskets, as well as weather, geopolitical events, and regulatory developments.


Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: GA

Balancing Confidence and Volatility

LPL Financial                                              stock-market-down     

January 7, 2016

Dear Valued Investor:

While a new year means new beginnings-changing to a new calendar, signing up for a new gym membership, and struggling to remember to write 2016 on our checks- markets are starting 2016 off with the same growth concerns and heightened volatility that made the second half of last year a challenging one for investors. In fact, the calendar year 2015 was highlighted by essentially flat returns across stocks (S&P 500 advanced 1.4%), bonds (Barclays Aggregate Bond Index advanced 0.6%), and cash (which returned 0.2%). Notably, this was the first time in over 60 years that all three major investment categories were simultaneously unchanged-plus or minus 2o/o-over a full calendar year.

With the Federal Reserve (Fed) raising rates for the first time in nine years, the arrival of the presidential election campaign season, and moving another year closer to the end of the current economic expansion, we expected more volatility in 2016, but we didn’t expect it so soon in the year. Normally, the first few trading days of the year are buoyant as investors look optimistically ahead. Instead, 2016 has started off on a sour note, as a rise in geopolitical tensions ste1nming from North Korea’s possible nuclear test, discord between two of the most powerful Middle Eastern countries, and the ongoing fear of terror attacks at ho1ne and abroad have all weighed on investor sentiment. Continued concerns arising fro1n the slowdown of the Chinese economy have brought about volatile movements in global currencies and have driven down the price of oil to levels even lower than in the depths of the Great Recession.

While some investor confidence has been rattled by the recent volatility, overall consumer and corporate optimism remain constructive. To date, there are only limited signs that the market’s global growth concerns have begun to negatively affect U.S. economic activity. The labor market continues to showcase strength, with an average of 212,000 jobs created per month over the last six months. In addition, layoff announcements re1nain near all-time lows and new claims for unemployment insurance continue to hover near the lowest level in 42 years. Importantly, the Institute for Supply Management (ISM) services reading for December 2015 came in near all-time highs and indicates that the services sector, which represents over 80% of the U.S. economy, remains strong and has not been hindered by the global weakness in energy prices or manufacturing.

 Risks remain, however, as continued declines in energy prices have delayed vital capital investment by a major segment of the U.S. economy, corporate earnings remain muted, and manufacturing remains weighed down by tepid global demand and a stronger dollar. Although the turmoil in the oil markets remains a top concern, the lower prices should help speed up the painful supply adjustment process and may bring about greater stability as the year unfolds. Should the supply-demand imbalance in energy stabilize as we expect, this could be a potential catalyst for additional capital spending and accelerated profit growth as 2016 progresses.

Overseas, the Chinese economy continues to struggle as it embarks on what will be a lengthy transition from a manufacturing-based, export-led economy to a more consumer-led, do111estic economy. Perhaps more importantly, the n1arket seems to be losing confidence in the Chinese government’s ability to manage this transition as well as it managed its economy over the past 15 years. However, other emerging markets are still adding to global growth, and central bank actions in the Eurozone and Japan should help to boost growth in those countries. In addition, we continue to expect China’s growth to stabilize, as it has the resources to do more to stimulate its economy.

It is important to remember that investing is a marathon, not a sprint. It is about endurance. Volatility has always been a part of investing and always will be. In fact, over the last 15 years, every calendar year has seen at least one pullback of at least 6% and a median correction of 14%. So while volatility is normal (and even expected), it is always nerve-wracking. These short-term market flare-ups are often quick and severe, but fueled by feelings of fear and concern over perceived risks that may not be actual threats.

We expect volatility to remain heightened for the remainder of 2016, which is common as the business cycle ages, and in turn, makes sticking to your long-term investment plans even more important to avoid locking in losses and missing out on opportunities. This current pullback, which is now approximately 5% year to date and 7% from the November 2015 highs, could continue over the short term as fear and concern trump much of the good news coming from the U.S. economy. What remains as the key to weathering these short-term bouts of volatility is a commitment to a well-formulated plan, a long-term focus, and good headphones to tune out the noise of short-term negativity.

While a new year often brings about new resolutions, it is important to maintain these time-tested investment habits and a long-term perspective. As always, if you have questions, I encourage you to contact your financial advisor.

Sincerely,

Burt White Chief Investment Officer

Managing Director, LPL Research

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual security. To determine which investment(s) may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. Indexes are unmanaged and cannot be invested into directly.

Economic forecasts set forth may not develop as predicted.

Investing in stock includes numerous specific risks including: the fluctuation of dividend, loss of principal, and potential liquidity of the investment in a falling market.

Because of its narrow focus, specialty sector investing, such as healthcare, financials, or energy, will be subject to greater volatility than investing more broadly across many sectors and companies.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non diversified portfolio. Diversification does not ensure against market risk.

Investing in foreign and emerging markets securities involves special additional risks. These risks include, but are not limited to, currency risk, geopolitical risk, and risk associated with varying accounting standards. Investing in emerging markets may accentuate these risks.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond and bond mutual fund values and yields will decline as interest rates rise and bonds are subject to availability and change in price.

Commodity-linked investments may be more volatile and less liquid than the underlying instruments or measures. and their value may be affected by the performance of the overall commodities baskets as well as weather, geopolitical events, and regulatory developments.

INDEX DESCRIPTIONS

The Standard & Poor’s 500 Index is a capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries.

The Barclays U.S. Aggregate Bond Index is a broad-based flagship benchmark that measures the investment-grade, U.S. dollar-denominated, fixed-rate taxable bond market. The index includes Treasuries, government-related and corporate securities, MBS (agency fixed-rate and hybrid ARM pass-throughs), ABS, and CMBS (agency and non-agency).

The Institute for Supply Management {ISM) Index is based on surveys of more than 300 manufacturing firms by the Institute for Supply Management. The !SM Manufacturing Index monitors employment, production inventories, new orders, and supplier deliveries. A composite diffusion index is created that monitors conditions in national manufacturing based on the data from these surveys.

Tstock-market-down.pnghis research material has been prepared by LPL Financial LLC.

To the extent you are receiving investment advice from a separately registered independent investment advisor, please note that LPL Financial LLC is not an affiliate of and makes no representation with respect to such entity.

Not FDIC/NCUA Insured I Not Bank/Credit Union Guaranteed I May Lose Value Not Guaranteed by Any Government Agency I Not a Bank/Credit Union Deposit


Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: GA

 

FIVE STAR WEALTH MANAGER

View More: http://cindyharterphotography.pass.us/nidaNida named Five Star Wealth Manager for 8th year.

December 10, 2015 an article was written by Donna Harris and published in the Cartersville Daily Tribune.  Here is the article in it’s entirety.

“Cartersville is home to another personal wealth manager.  Charles Nida of Nida Financial Group was recognized as a Five Star Best in Client Satisfaction Wealth Manager in the October issue of Atlanta magazine for the eighth consecutive year.

The Five Star evaluation process is designed to identify wealth mangers in a local market that score highest in client satisfaction. Wealth managers are rated by their customers and financial service professionals based on service, integrity, knowledge, communications, value for fees charged, meeting financial objectives, post-sale service, quality of recommendations and overall satisfaction.

‘It’s an incredible honor to be recognized as one of the top wealth managers in the Atlanta area for the past eight years.’ said Nida, whose office is at 162 W Main St, Suite 107, in Cartersville.  ‘I am grateful because how it’s done reflects a lot on our client service, and for me personally, I’ve got the best clients in the world.  This is as much their recognition as it is mine.’

To be named Five Star Wealth Manager, candidates must satisfy 10 objective eligibility and evaluation criteria, including being credentialed as an investment advisory representative or a registered investment adviser, be actively employed as a credentialed professional in the financial service industry for at least five years, having a favorable regulatory and complaint-history review, accepting new clients, one-year and five-year client retention rates and number of client households served.

Nida’s company provides financial and retirement planning for individuals and businesses, whether the needs are for college, charitable causes, special needs, elder care, legacy and estates or retirement.

Becoming a financial advisor in January, 1991, Nida has consulted with investors from major corporations and small businesses as well as individuals to help them preserve their lifestyle and assets by simplifying and organizing their finances.  He also has hosted  ‘The Golden Life’, a financial educational program on WBHF for more than 10 years.

For 25 years, he has specialized in four key areas of financial planning – retirement, estate, business and personal – and has conducted seminars, conferences and workshops on finances, tax and investment strategies and employee benefits for businesses, civic and church groups.

Nida also strives to educate the public on charitable planning, often addressing nonprofits and church congregations about planned giving and creating a lasting legacy.

He has been a committee chairman for the small-business council for the Cartersville-Bartow County Chamber of Commerce and past president of the Cartersville Rotary Club and the Cartersville chapter of NAIFA and has served as a board member for the chamber of commerce, The Good Neighbor Homeless Shelter and the American Red Cross.

Nida has been married to his wife, Yvonne, for 36 years, and they have four children and 12 grandchildren.


Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: GA