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On Target News
TD AMERITRADE TRANSITION TO CHARLES SCHWAB

June 28, 2023 – The timeline for the official and final custodian transition of TD Ameritrade to Schwab is determined. All accounts will begin transition from TD Ameritrade to Schwab at 8:30pm ET on September 1, 2023. There will be a “black-out” period without online account access over the Labor Day holiday until OTWP clients get new access at Schwab Alliance on September 5, 2023 (more details as the transition approaches)

INDIANA INVESTMENT ADVISER CONFERENCE

October 4, 2018 – Greg Schiffli attended the State of Indiana Securities Division Investment Adviser Conference at the Indiana Government Center. Agenda items included senior savings protection, cybersecurity, registration, examination and industry updates.

INDIANA INVESTMENT ADVISER CONFERENCE

October 21, 2016 – Greg Schiffli attended the State of Indiana Securities Division Investment Adviser Conference at the Indiana Government Center. Agenda items included examination and industry updates, an Indiana fraud documentary, and diminished capacity in financial decision-making.

DFA Advanced Symposium Conference

23-24 October 2014: Greg Schiffli represented OTWP at the 2015 Dimensional Fund Advisors Advanced Symposium Conference in Santa Monica, California. The event, featured a variety of speakers from DFA, best practice sharing, and learning opportunities.

About On Target Wealth Partners, LLC
On Target Wealth Partners, LLC (www.ontargetwealth.com) is an independent, fee-only financial consulting firm based in Indianapolis, Indiana. Clients receive unbiased financial advisory services in the form of disciplined investment management grounded in academic research and goal-oriented financial planning
Contact: Gregory Schiffli
On Target Wealth Partners, LLC
Phone: 317.731-7243
greg@ontargetwealth.com

DFA Regional Conference

20 August 2014: Greg Schiffli represented OTWP at the 2015 Dimensional Fund Advisors Regional Conference in Indianapolis, Indiana, at the JW Marriott. The event, featured a variety of speakers from DFA, best practice sharing, and learning opportunities.

About On Target Wealth Partners, LLC
On Target Wealth Partners, LLC (www.ontargetwealth.com) is an independent, fee-only financial consulting firm based in Indianapolis, Indiana. Clients receive unbiased financial advisory services in the form of disciplined investment management grounded in academic research and goal-oriented financial planning
Contact: Gregory Schiffli
On Target Wealth Partners, LLC
Phone: 317.731.7243
greg@ontargetwealth.com

Indiana Investment Advisor Conference

29 April 2014: Greg Schiffli represented OTWP at the 2015 Indiana Secretary of State's Investment Advisor Conference in Muncie, Indiana, at the campus of Ball State University. The event, featured an overview of the Office of the Secretary of State, a securities update on crowdfunding and information on investment advisor examinations.

About On Target Wealth Partners, LLC
On Target Wealth Partners, LLC (www.ontargetwealth.com) is an independent, fee-only financial consulting firm based in Indianapolis, Indiana. Clients receive unbiased financial advisory services in the form of disciplined investment management grounded in academic research and goal-oriented financial planning
Contact: Gregory Schiffli
On Target Wealth Partners, LLC
Phone: 317.731.7243
greg@ontargetwealth.com

01 November 2013
OTWP Celebrates Five Years

09 March 2013
OTWP COMMUNITY OUTREACH

31 January – 01 February 2013
TD AMERITRADE NATIONAL ADVISOR CONFERENCE

10 October 2012
INDIANA SECRETARY OF STATE ADVISOR CONFERENCE

February 01 – 03, 2012
TD Ameritrade National Conference

October 01, 2011
OTWP Moves Office Location

November 01, 2008
OTWP Officially Opens

October 01, 2008 
OTWP Secures Office

July 08, 2008 
OTWP Indiana Approved

June, 18 2008 
OTWP Formed

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Podcasts of Note

"Tuning Out the Noise"

"Can You Predict a Good Time to Buy and Sell Stocks?"

"Make Sure It Isn’t an Old Idea in Disguise"

"The 200th Draft"

"Dimensional Funds Empirical Work"

"Dimensional's Flexible Trading Approach"



"The Current Market Aftershock"
Using an illustrated timeline, David Booth chronicles US stock market performance in four periods since World War II. His review suggests prevailing market sentiment is often wrong and that investors must stay disciplined through all market environments to pursue their long-term goals.

"The Economics Of Fiscal Deficits"
Many investors are concerned that rising government debt will stunt economic growth and hamper market returns. Marlena Lee examines historical data to test the relationships between fiscal deficits, interest rates, business activity, investment returns, and exchange rates. Her conclusions may surprise investors who are pessimistic about future market performance.

"Father of Modern Finance Weighs In"
- U. of Chicago finance professor Eugene Fama, widely known as the "father of modern finance," discusses whether the government is the biggest risk to economic recovery.

"Why Dimensional"
- Dimensional brings financial science to the practical world of investing.

"Behavioral Biases"
- Research indicates that humans are not naturally wired for prudent, long-term investing.

"Government Intervention and Stock Returns"
- Should equity investors be alarmed by the prospect of greater government intervention in the US economy?

What Should Investors Do Now?
– Weston Wellington returns to the topic with a multi-part series on what investors should consider as they move forward.

Vanguard Founder Gives Investment Tips
– Washingtonpost.com video interview with Jack Bogle of Vanguard – 2/25/2009

Stock Picking vs. Index Investing
– From Yahoo! Video Tech Talk.

Is It Different This Time?
– Weston Wellington, DFA VP, offers perspective on the 2008 bear market.

Noble Thinkers: Theory, Practice and Implementation
– The American Finance Association and Dimensional Fund Advisors present a documentary on the work and ideas of five recipients of the Nobel Prize in Economics.

Recent Articles

June 2023
Midyear Review: Staying Focused as Markets Shift

March 2023
Hoop Dreaming Is Fun in March. Investing Realities Apply across a Lifetime.

October 2022
Rising Rates: Short-Term Pain for Long-Term Gain?

April 2022
Four Ways to Improve the Probability of a Good Retirement

December 2021
When It’s Value vs. Growth

December 2021
Why a Stock Peak Isn’t a Cliff

November 2015
The Rise of Short-Term Rates

October 2015
How Not to Prevent the Next Financial Meltdown

September 2015
The Cost of a Perfect Market Timing Strategy

June 2015
DFA’s Disciplined Approach Earns It a Top Mark

January 2014
Surprise! No Selloff in 2013

November 2013
Simplicity and Sophistication

August 2013
Where the Smart Money Is Headed

July 2013
OTF Second Guessing

October 2012
Top 10 Money Excuses

October 2012
Down To The Wire: Another Wall of Worry

August 2012
In Other News

March 2012
Why Panic? A Couple’s Nest Egg Better Left Alone

Feb. 2012
Cracks in the Crystal Ball

Jan. 2012
Inefficient, Schminefficient

Dec. 2011
Things Change

Feb. 7, 2011
Where the Thrills and Chills Will Be in 2011

Feb. 7, 2011
That’s Better Now

July 28, 2011
PERSPECTIVES ON THE U.S. DEBT CEILING DEBATE

June 2011
Discipline: Your Secret Weapon

March 2011
The Current Aftershock

Jan. 10, 2011
Analysts Prove Hazardous as Contrarian Stocks Surge

Jan. 8, 20110
Market Predictions, With Many Grains of Salt

June, 2010
Luck Is The Key To Success For Most Top Mutual Funds

February, 2010
Active Management Is Uncompensated Risk

February, 2010
How firms fool equity analysts

February, 2010
Index Funds, Dowdy to Some, Get a Notable Endorsement

January, 2010
Inefficient Markets Are Still Hard to Beat  

October, 2009
Staying Calm in a World of Dark Pools, Dark Doings

October, 2009
Active Management Loses in Risk Study

August, 2009
SPIVA Report Year-End 2008

March 24, 2009
Yes, diversification works - eventually

Feb. 22, 2009
The Index Funds Win Again

Jan. 8, 2009
Six Lessons for Investors

Oct. 17, 2008
Buy American. I Am.

Oct. 15, 2008
Is Pessimism Good News?

Fama/French Forum

Observations, opinion, research and links from financial economists Eugene Fama and Kenneth French.
Consultative Process PDF Print E-mail

The On Target Wealth Partners client relationship process is truly consultative.  Most typically individuals encounter advisors trained to sell financial products.  OTWP distinguishes itself from the competition by focusing on the long-term best interests of the client versus quick transactions.

In more detail, the OTWP wealth management client relationship has three main components:

  • A consultative process to establish close relationships with clients marked by full disclosure and ongoing honesty.  A detailed understanding of client goals and financial needs is paramount.
  • Customized solutions designed to fit the needs of the client.  Every client has a different set of variables that require consideration in potential wealth management solutions
  • An ongoing commitment to reassess needs and work closely together to keep the plan current and relevant.  OTWP wants a long-term relationship.


While no client onboarding process follows the exact same steps, the OTWP advisor/client “Go Team!” progression typically involve these critical components:

 


 

On Target Wealth Partners
Go Team! Consultative Process

Phase I
Discovery

Discovery is an opportunity for in depth introductions of the client and the advisor.  What are the values, relationships, dreams, and attitudes of clients?  Is there a potential fit of services and investment philosophy between OTWP and the client?  May OTWP review your current investment situation?

Phase II
Analysis and Recommendations

OTWP reviews a client’s current investment portfolio for strengths, weaknesses and makes broad recommendations.  Recommendations will summarize Phase I components and address needs with respect to risk, return, time horizon, cost structure, tax implications, diversification, and asset class allocation.
 
 
Phase III
Mutual Commitment to Team

Questions are answered as to how the advisor/client relationship will work, agreement is made as to a philosophy match, and a timeline is established for implementation.  Specifics of plan are outlined and written Investment Policy Statement is constructed and agreed to by both parties.
 
Phase IV
Implementation
 
Communication is significant.  Numerous required forms will be completed to permit the formal client initiation and/or investment transfer process.  OTWP implements strategies.  Client becomes familiar with process, client access portal for 24/7 account access, and a long-term relationship is forged.
 
Phase V
Ongoing Teamwork

Client defines the level of communication desired.  OTWP continuously monitors progress of the investment and financial plan.  Quarterly reviews are made, rebalancing is considered, progress is evaluated, and new strategies are considered for integration into the master client plan.  Ongoing customer service is provided and the OTWP/client relationship grows through mutual sharing and honesty.  Changes are implemented as necessary to address the multitude of variables that life events dictate.