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Stay on top of your life goals with an investment plan.

Work with MountainOne Investments and discover the local personal service you’ve come to trust coupled with the resources and backing of a nationally recognized firm.

You get peace of mind knowing our independent advisors are motivated to find the right solution to meet your needs. It’s as simple as that.

We specialize in helping to weave your distinct goals, ambitions, and dreams for the future into a cohesive vision. And with no pressure to promote a particular product or answer to a parent company’s sales quotas, we’re free to provide you with sound, unbiased advice and to deliver practical solutions that are tailored for your near- and long-term financial success.

What do you dream? Where do you want to go?

Wherever you are in life, our primary focus is to help you create a plan that reflects your values and way of thinking, suits your current circumstances, grows to fit your changing needs, and is flexible enough to accommodate the unexpected along the way. Our integrated solutions include:

  • Investment management
  • Insurance planning
  • Retirement planning
  • Charitable giving strategies
  • Estate planning

Let’s make a plan.

We stick to a comprehensive planning process that begins with an across-the-board analysis of where you are and where you want to go. We continue by creating a financial plan, implementing it, and then continuously monitoring it to make sure
 you stay on track with your goals. It’s a highly personalized, consultative approach to developing a personal strategy that works for you. Taking into account your dreams, time horizon, and risk tolerance to help you reach your financial objectives: that’s what we do at MountainOne Investments.

A sound plan. The right solutions. And, of course, you.

Of course, making the right plan and choosing the best financial solutions are both keys to success, but so are you. That’s why every aspect of our business model and approach is tailored around you. We respect your ideas, respond promptly to your questions, and are accountable only to you. Your goals, expectations, and risk tolerance drive every recommendation we make.

This commitment we make to every one of our relationships is why our clients trust us to guide their financial lives and recommend us to their families and friends to do the same for them.

Did we mention that we work for you, and you alone?

And speaking of you, our status as independent financial advisors means you can be assured that our interests are always aligned with yours. That’s why we partnered with Commonwealth Financial Network®—an independent broker/dealer with over a 30-year history and a client-centric service model that mirrors our own. We have access to the vast array
 of investment choices and product strategies the industry has to offer. We are free to manage your financial well-being, without restrictions or the demands and product limitations of a large corporate firm. Instead, we focus solely on what benefits you most.

Personal Services

  • Managed Portfolios
  • IRA Rollovers
  • Retirement
  • Education
  • Estate Planning

Business Services

  • 401(k) Plans
  • Safe Harbor Plans
  • 403(b) Plans
  • SEP Plans
  • Simple IRA Plans
  • Defined Benefit Plans
  • Profit Sharing Plans

Financial success
is closer than
you think.

Call us today at
413-664-4025
to make a plan.

Our Advisors

When you partner with MountainOne Investments, you have access to a group of local, knowledgeable, dedicated professionals, motivated to helping you manage your financial life. By working as a collaborative team, we’re able to integrate your important life decisions into a simplified financial strategy that will meet your goals today and set you up for success tomorrow.

To help make that happen, we’ve assembled a highly knowledgeable team with diverse specialties. This gives us the resources to address a wide range of investment needs for both businesses and for individuals. And, in turn, it gives you complete satisfaction and a reason to be loyal to MountainOne Investments.

Rob Abel
AIF®
Financial Advisor
Williamstown
Brendan Bullett
Financial Advisor
North Adams
Lisa Lamb
CFP®
Financial Advisor
Williamstown
Jason Dohaney
Financial Advisor
North Adams
Jay Durand
CFA®
Financial Advisor
North Adams
Doris Karampatsos
CFP®
Financial Advisor
Williamstown
Shawn Leonard
Financial Advisor
North Adams

Our Broker Dealer: Commonwealth Financial Network

What is a broker/dealer?

A broker/dealer is a company in which a registered investment professional is required to affiliate with in order to buy and sell investment products on behalf of investors. The Securities and Exchange Commission (SEC) delegates the supervision of financial advisors to the Financial Industry Regulatory Authority (FINRA). FINRA, in turn, requires us to choose a broker/dealer to partner on your behalf.

Why Commonwealth Financial Network®?

Commonwealth is an independent broker/dealer–RIA, which means that our firm is free to act solely in your best interest, without bias and without pressure to promote a particular product or strategy. It's a model that differs from that of some other, larger financial firms known as wirehouses, whose financial representatives are accountable not just to their clients, but also to the parent company that employs them.

Commonwealth is also independently owned and managed, which means the firm retains the freedom to allocate resources where they're needed and to act in the best interests of their financial advisors and clients—not shareholders.

How Commonwealth helps us help you.

Commonwealth was ranked "Highest in Independent Advisor Satisfaction Among Financial Investment Firms" in the J.D. Power and Associates 2013 Financial Advisor Satisfaction Study.* But it's what that achievement means for our clients—on a daily basis—that makes the difference.

Commonwealth goes far beyond what's required of a broker/dealer; the entire organization is built around doing whatever it takes to satisfy not only the advisors who work with the firm, but the clients of those advisors as well. It's that infrastructure—and the always expanding wealth of resources it provides—that makes it easier for our firm to provide you with the best possible guidance and the prompt, personal service you expect and deserve.

  • Investment choice. Your financial objectives, personal investment style, and risk tolerance are the only criteria that influence our recommendations to you. Commonwealth offers us access to a virtually limitless selection of third-party investment vehicles and truly objective, independent research from its in-house analysts, helping to ensure that we have the freedom to operate solely in your best interest.
  • Service. The firm's advisor-to-staff ratio is one of the best in the industry. This means staff members answer our calls promptly, execute transactions quickly and accurately, and, in general, offer our firm the same first-class treatment we strive to give you.
  • Technology. Commonwealth's technology platform is a critical component in our ability to provide you with first-class service and support. Its integrated web-based systems allow us to efficiently manage your portfolio and your overall financial picture.
  • Security. Commonwealth is second to none in its commitment to safeguarding your privacy and ensuring that your investment data remains secure. From encryption standards to disaster recovery plans and other measures the firm employs, we are confident that the information our clients entrust to us remains secure.

If you'd like to know more about our affiliation with Commonwealth, please feel free to give us a call—we welcome the opportunity to talk with you.

Weekly Market Update, September 18, 2017

General market news

  • The yield on the 10-year Treasury was back up to 2.20 percent early Monday morning, after being as low as 2.01 percent fewer than six trading days ago. The move from one support level to the next in such a short period leads us to believe that investors are uncertain about the market and can’t decide whether to favor a risk-on or risk-off trade. The 30-year yield moved from 2.63 percent to 2.77 percent in the same period. It is still well below the 3-percent mark, however, implying that the risk-off trade is still in favor with many.
  • U.S. markets took the opportunity to exhale last week after dealing with tumultuous news about North Korea and hurricanes Harvey and Irma in the week prior. The Dow Jones Industrial Average was the top performer, posting a gain of 2.19 percent. The S&P 500 Index and Nasdaq Composite followed with gains of 1.63 percent and 1.41 percent, respectively.
  • Monetary policy grabbed headlines around the world last week. The People’s Bank of China removed a deposit requirement for currency forward trades and axed the deposit requirement for foreign banks’ yuan deposits. These actions are expected to make foreign deals more attractive. The Bank of England also made the news after it voted to keep interest rates steady, despite a 2.9-percent increase in inflation in August. The bank expects this increase in inflation to be temporary. This week, the focus will be on our own Federal Open Market Committee (FOMC).
  • There were a number of important economic data points released last week. On Wednesday and Thursday, the Produce and Consumer Price Index reports showed higher-than-expected inflation data. Consumer prices have increased by 1.9 percent year-over-year, while producer prices have grown by 2 percent. Low inflation figures were a concern earlier in the year, but these readings are approaching the Fed’s stated target of 2-percent inflation.
  • On Friday, retail sales for August came in lower than expected. Sales declined by 0.2 percent against expectations for 0.1-percent growth. The impact from Hurricane Harvey at the end of the month likely played a part in this miss, but we won’t know whether this slowdown was due to transitory factors until next month.
  • The week ended with a slight decline in the University of Michigan Consumer Sentiment survey. This figure remains near post-election highs, so the result is nothing to worry about.

Equity Index

Week-to-Date

Month-to-Date

Year-to-Date

12-Month

S&P 500

1.63%

1.25%

13.33%

18.86%

Nasdaq Composite

1.41%

0.34%

20.81%

24.34%

DJIA

2.19%

1.54%

14.75%

25.34%

MSCI EAFE

0.57%

1.81%

19.66%

21.04%

MSCI Emerging Markets

1.07%

1.44%

30.45%

27.25%

Russell 2000

2.35%

1.95%

6.45%

18.27%

Source: Bloomberg

Fixed Income Index

Month-to-Date

Year-to-Date

12-Month

U.S. Broad Market

–0.23%

3.40%

0.90%

U.S. Treasury

–0.34%

2.80%

–0.56%

U.S. Mortgages

–0.10%

2.45%

0.60%

Municipal Bond

–0.03%

5.17%

1.52%

Source: Morningstar Direct

What to look forward to

Most of the economic data this week focuses on housing. On Monday, the National Association of Home Builders industry survey will be released. It is expected to decrease from a very strong level of 68 in August to a still strong level of 67 in September. Given extensive damage from hurricanes Harvey and Irma—which may worsen labor and material shortages for homebuilders—there may be some downside risk to this number.

On Tuesday, housing starts are expected to tick up from 1.155 million in July to 1.18 million in August. The July number was a surprise, resulting from declines in multi-family developments, which have historically been volatile. Single-family starts held their ground. Although multi-family starts are expected to decline even more in August, strong demand and limited supply for single-family homes should keep that sector increasing.

On Wednesday, existing home sales are likewise expected to tick up—from 5.44 million in July to 5.47 million in August. Once again, despite strong demand, low inventory is expected to constrain sales. This means there is some downside risk to this number. The July number was the lowest in almost a year, and the trend is likely to continue.

Also on Wednesday, the FOMC will conclude its regular meeting. Although the Fed is likely to continue viewing the economy in a positive light, uncertainty around inflation, as well as the unknown impacts of the hurricanes, will likely result in no change to interest rates. The Fed is expected, however, to start the process of reducing the balance sheet by slowing the reinvestment of maturing securities and payments. This has been well telegraphed to markets, and reaction should be minimal. Still, markets will be watching to make sure that the actual plan is the same as described previously.

Overall, if the news comes in as expected, the signal for the rest of the economy will be positive.

Disclosures: Certain sections of this commentary contain forward-looking statements that are based on our reasonable expectations, estimates, projections, and assumptions. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties, which are difficult to predict. All indices are unmanaged and are not available for direct investment by the public. Past performance is not indicative of future results. The S&P 500 is based on the average performance of the 500 industrial stocks monitored by Standard & Poor’s. The Nasdaq Composite Index measures the performance of all issues listed in the Nasdaq Stock Market, except for rights, warrants, units, and convertible debentures. The Dow Jones Industrial Average is computed by summing the prices of the stocks of 30 large companies and then dividing that total by an adjusted value, one which has been adjusted over the years to account for the effects of stock splits on the prices of the 30 companies. Dividends are reinvested to reflect the actual performance of the underlying securities. The MSCI EAFE Index is a float-adjusted market capitalization index designed to measure developed market equity performance, excluding the U.S. and Canada. The MSCI Emerging Markets Index is a market capitalization-weighted index composed of companies representative of the market structure of 26 emerging market countries in Europe, Latin America, and the Pacific Basin. The Russell 2000® Index measures the performance of the 2,000 smallest companies in the Russell 3000® Index. The Bloomberg Barclays US Aggregate Bond Index is an unmanaged market value-weighted performance benchmark for investment-grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities with maturities of at least one year. The U.S. Treasury Index is based on the auctions of U.S. Treasury bills, or on the U.S. Treasury’s daily yield curve. The Bloomberg Barclays US Mortgage Backed Securities (MBS) Index is an unmanaged market value-weighted index of 15- and 30-year fixed-rate securities backed by mortgage pools of the Government National Mortgage Association (GNMA), Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (FHLMC), and balloon mortgages with fixed-rate coupons. The Bloomberg Barclays US Municipal Index includes investment-grade, tax-exempt, and fixed-rate bonds with long-term maturities (greater than 2 years) selected from issues larger than $50 million. 

Authored by the Investment Research team at Commonwealth Financial Network

© 2017 Commonwealth Financial Network®

 

Investments are not FDIC insured and are subject to risk including loss of principal amount invested. Investments are neither deposits, nor obligations of the bank, and are not guaranteed.

Fixed insurance products and services offered through CES Insurance Agency, Inc.

Commonwealth Financial Network® is not affiliated with either MountainOne Investment Group or any of the MountainOne affiliated companies. The main office of MountainOne Investment Group is 85 Main Street, Suite 110, North Adams, MA 01247.

This communication is strictly intended for individuals residing in the states of
AK, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TX, UT, VA, VT, WA, WI.
No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.

Securities and advisory services offered through Commonwealth Financial Network®.
Member FINRA, SIPC, a Registered Investment Adviser.