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NEWS AND ANNOUNCEMENTS

Weekly Economic Update

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Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

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They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.0.106" src="https://www.meldfinancial.com/wp-content/uploads/estate-planningfacebook.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.0.106" background_layout="light" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.0.106" src="https://www.meldfinancial.com/wp-content/uploads/estate-planningfacebook.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.0.106" background_layout="light" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.0.106" src="https://www.meldfinancial.com/wp-content/uploads/estate-planningfacebook.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.0.106" background_layout="light" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.0.106" src="https://www.meldfinancial.com/wp-content/uploads/estate-planningfacebook.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.0.106" background_layout="light" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.1.1"]“Don’t bother just to be better than your contemporaries or predecessors. Try to be better than yourself.”- William Faulkner[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.1.1"]If you are a single parent, prioritize saving for retirement over paying college tuition. Helping your child with college costs is great, but not if it places your retirement at risk.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|phone"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.1.1"]It is clear, yet it muddies things. It arrives, but it falls down and quickly runs away. What is it?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.1.1"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.1.1" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px" custom_padding="24px|||" custom_padding_last_edited="on|desktop"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.1.1" custom_padding="||496px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|tablet"]98 years old.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.1.1" background_color="#ffffff"]April 23, 2018CONSUMERS BOUGHT MORE IN MARCHAccording to a report from the Department of Commerce, retail sales jumped 0.6% last month. That was the biggest monthly gain recorded since November (and the first monthly advance of 2018). Sales of cars and trucks were up 2.0%, making March the best month for that category since September.1CONSTRUCTION ACTIVITY INCREASESNew Census Bureau data shows housing starts improved 1.9% in March; also, building permits rose 2.5%. In February, permits fell 4.1% and starts declined 3.3%.2INDUSTRIAL OUTPUT RISES 0.5%This March gain reported by the Federal Reserve followed a (revised) 1.0% advance for February. Industrial production was up 4.3% year-over-year through March.2GAINS ON WALL STREETAll three key U.S. equity indices advanced last week: the Nasdaq Composite rose 0.56%; the S&P 500, 0.52%; the Dow Industrials, 0.42%. Friday’s settlements: Nasdaq, 7146.13; S&P, 2,670.14; Dow, 24,462.94. The yield on the 10-year note hit 2.96% Friday, a high unmatched since January 2014.3,4THIS WEEK: Alaska Air, Alphabet, Ameriprise Financial, Halliburton, Hasbro, Kimberly-Clark, TD Ameritrade, and Whirlpool announce earnings on Monday, when investors will also eye the latest existing home sales numbers. March new home sales figures and a new Conference Board consumer confidence index are out Tuesday, plus earnings news from 3M, Biogen, Capital One, Caterpillar, Chubb, Coca-Cola, Corning, Eli Lilly, Fifth Third, Freeport-McMoRan, JetBlue, Lockheed Martin, NextEra Energy, Pulte Group, Ryder, Texas Instruments, Travelers, and Verizon. On Wednesday, Aflac, Anthem, AT&T, Boeing, Chipotle, Comcast, eBay, Facebook, Ford Motor Co., Goodyear, Ingersoll-Rand, Kaiser Aluminum, Norfolk Southern, Northrop Grumman, Owens Corning, PayPal, Peabody Energy, Penske, Public Storage, Qualcomm, Raymond James, Rockwell Automation, Twitter, Universal Health Services, Viacom, Visa, and W.R. Grace report results. Thursday, earnings emerge from Ally, Altria, Amazon, Amgen, Bristol-Myers, ConocoPhillips, D.R. Horton, Discover, Domino’s, Dunkin’ Brands, Expedia, Fiat Chrysler, General Motors, Hilton Worldwide, Intel, MGM Resorts, Microsoft, Nokia, PepsiCo, Raytheon, Royal Dutch Shell, SkyWest, Southwest Airlines, Spirit Airlines, Starbucks, Time Warner, Union Pacific, and Western Digital. Friday, earnings from Chevron, Colgate-Palmolive, ExxonMobil, Honda, Philips 66, Spectrum, and Weyerhaeuser coincide with the University of Michigan’s final April consumer sentiment index and the first estimate of Q1 GDP.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.04+18.87+13.63+9.07
NASDAQ+3.52+20.78+24.58+19.68
S&P 500-0.13+13.34+14.34+9.23
REAL YIELD4/20 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.79%0.39%-0.59%1.44%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/20/183,5,6,7Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.1.1" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. Citations.1 - tinyurl.com/y6u52yj4 [4/16/18]2 - investing.com/economic-calendar/ [4/17/18]3 - markets.wsj.com/us [4/20/18]4 - marketwatch.com/story/treasurys-continue-to-sell-off-as-10-year-yield-hits-more-than-four-year-high-2018-04-20 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F20%2F17&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F19%2F13&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F21%2F08&x=0&y=0 [4/20/18]6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/20/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/20/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Talking to Your Heirs About Your Estate Plan

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.0.106" src="https://www.meldfinancial.com/wp-content/uploads/estate-planningfacebook.jpg" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.0.106" background_layout="light" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

They should not be left ill-informed or unaware.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light"]Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan?

This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning.

You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this?

Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.1A 2017 Caring.com poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.1[/et_pb_text][et_pb_text admin_label="to registration form - text" _builder_version="3.0.106" background_layout="light" saved_tabs="all" global_module="1444"]

We will be hosting a "Shred-It" event to benefit Children's Hospital on April 28th from 10:00 am to 1:00 pm at our office, for more information or to RSVP, click here.

Upcoming Meld University Events: Click here for details and to register for our next event, "Ask the Expert – Social Security Benefits, Sponsored by VIVA Health Café" which will be held on Wednesday April 25th.Click here for details and to register for "Estate Planning – Avoiding Costly and Common Mistakes" which will be held on May 15th at Birmingham Botanical Gardens.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL  35243

www.meldfinancial.com

[/et_pb_text][et_pb_text admin_label="Fine Print - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" custom_css_main_element="font-size:10px important!;"]

Securities offered through Triad Advisors, LLC .  Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.Citations.1 - cnbc.com/2017/11/15/12-financial-planning-documents-to-handle-health-end-of-life-care.html [11/15/17][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

[et_pb_section bb_built="1" _builder_version="3.0.87" custom_margin="0px|||" custom_padding="0px|||"][et_pb_row _builder_version="3.0.86" custom_margin="||0px|" custom_padding="||0px|"][et_pb_column type="4_4"][et_pb_image admin_label="WEU - Image" _builder_version="3.0.89" src="https://www.meldfinancial.com/wp-content/uploads/WEU-Pic-1200x628.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" custom_padding="||20px|" /][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

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Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.0.106" background_layout="light"]“Truth burns up error.”- Sojourner Truth[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.0.106" background_layout="light"]As your career in the medical, legal, or tech sector progresses, you may build significant wealth, and you may need more than just term life insurance. Later in life, you could face issues that call for liquidity after your death. Permanent life insurance may help to address them.[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]The oldest of two sisters is 4 years old. The little sister is half her age. When the big sister is 100, how old will the little sister be?[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.0.106" background_layout="light"]When you say its name, it is no longer there. What is it?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.0.106" background_layout="light" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]Silence.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.0.106" background_layout="light" background_color="#ffffff"]April 16, 2018CONSUMER SENTIMENT INDEX DESCENDS SLIGHTLYIn its initial April edition, the University of Michigan’s survey of household sentiment saw its index decline to 97.8 from its final March reading of 101.4. The survey’s chief economist, Richard Curtin, believed that “uncertainty surrounding the evolving [U.S.] trade policy” affected the reading, but he added that “confidence still remains relatively high."1A SURPRISE RETREAT FOR THE HEADLINE CPIEconomists polled by Briefing.com assumed the Consumer Price Index would rise 0.1% in March. Instead, it fell by that amount, largely due to a dip in gasoline costs. Core consumer inflation increased 0.2% and matched their expectations. Looking at the big picture, the Department of Labor said that consumer prices were up 2.4% year-over-year through March.2,3OIL SOARS AS POSSIBILITY OF SYRIA STRIKE LOOMSLight sweet crude rose 8.6% in five days on the NYMEX, breaking a 2-week losing streak and settling at $67.39 Friday. That was oil’s best close since December 2014.4STOCKS CLIMB AS EARNINGS SEASON BEGINSLess anxiety about tariffs and renewed optimism about tech and financial shares led the market higher last week. The S&P 500 gained 1.99% in five days to settle at 2,656.30 Friday. The Dow Industrials rose 1.79% to a Friday close of 24,360.14, and the Nasdaq Composite added 2.77%, wrapping up Friday’s trading day at 7,106.65. Wall Street’s “fear index,” the CBOE VIX, declined 18.99% for the week.5THIS WEEK: On Monday, Bank of America, Celanese, and Netflix present Q1 results, and March retail sales numbers also arrive. Tuesday, earnings from Comerica, CSX, Goldman Sachs, IBM, Johnson & Johnson, Northern Trust, and UnitedHealth appear, plus data on March construction activity. Wednesday’s earnings roll call includes Abbott Labs, Alcoa, American Express, Fred’s, Morgan Stanley, U.S. Bancorp, and United Rentals; investors will also consider a new Federal Reserve Beige Book.  BoNY Mellon, BB&T, Blackstone Group, E*TRADE, GATX, KeyCorp, Novartis AG, Nucor, Pentair, Philip Morris, Quest Diagnostics, Snap-On, Sonoco Products, and W.W. Grainger report earnings on Thursday, when new initial jobless claims numbers are also released. GE, Honeywell International, Procter & Gamble, Regions Financial, Schlumberger, State Street, SunTrust Banks, and Waste Management announce earnings Friday.
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA-1.45+19.10+12.78+9.80
NASDAQ+2.94+22.42+23.14+21.23
S&P 500-0.65+14.06+13.44+10.00
REAL YIELD4/13 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.69%0.32%-0.68%1.23%
Sources: wsj.com, bigcharts.com, treasury.gov - 4/13/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.106" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL  35243

Phone:  205-967-4200

Email:  Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.0.106" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.0.106" background_layout="light" text_font_size="10px" module_class="fine-print-post-text"]This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs and expenses, and cannot be invested into directly. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.Citations. 1 - sca.isr.umich.edu/ [4/13/18] 2 - briefing.com/investor/calendars/economic/2018/04/09-13 [4/13/18] 3 - foxbusiness.com/markets/us-consumer-prices-post-first-drop-in-10-months-on-weak-gasoline [4/11/18] 4 - marketwatch.com/story/oil-prices-post-first-weekly-gain-in-three-weeks-2018-04-13 [4/13/18] 5 - markets.wsj.com/us [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F13%2F17&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F12%2F13&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=4%2F14%2F08&x=0&y=0 [4/13/18] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [4/13/18] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [4/13/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


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