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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.

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, May 22, 2017

General market news

  • The yield on the 10-year Treasury opened at 2.23 percent on Monday. This was up from last Thursday’s low of 2.17 percent but considerably lower than its recent high of 2.42 percent. The yield on the 30-year Treasury opened at 2.90 percent, down from 3.04 percent last week. The 2-year yield was at 1.28 percent, up from last week’s low of 1.22 percent but down from the recent high of 1.33 percent.  
  • All three major U.S. indices were down slightly for the week. The Nasdaq Composite declined the most, moving down by 0.55 percent, followed by 0.32-percent losses on the S&P 500 and Dow Jones Industrial Average. Volatility, which had been muted, returned last week. The CBOE Volatility Index (VIX) spiked to a high of 15.59 after being as low as 9.56 just a week earlier. Much of the volatility was driven by political uncertainty. Brazil has another presidential scandal on its hands. Michel Temer, who became president after Dilma Rousseff was impeached, is now under investigation by Brazil’s Supreme Court for bribery allegations. This news led Brazilian markets down by more than 10 percent. The U.S. also has its share of political uncertainty, as a special counsel has been appointed to investigate Russia’s interference in the 2016 presidential election and other improper contact with the Trump administration. This investigation will continue to take the wind out of the sails of the new administration’s efforts to pass tax and health-care reform.
  • Last week’s economic news focused on the housing market, and it was largely disappointing. The week began on a bright note, with the National Association of Home Builders Housing Market Index coming in above expectations and rising near post-recession highs. This measure of home-builder sentiment is often seen as a leading indicator for the housing market, and increasing confidence bodes well for future growth.
  • The good news ended there, however, as home-builder optimism failed to translate into faster construction. Housing starts and building permits data disappointed, as both measures decreased against expectations for modest gains. Although these decreases were surprising, strong homebuyer demand, low supply, and home-builder optimism indicate that this slowdown in starts and permits was likely temporary.

Equity Index

Week-to-Date

Month-to-Date

Year-to-Date

12-Month

S&P 500

–0.32%

0.08%

7.24%

19.23%

Nasdaq Composite

–0.55%

0.77%

13.58%

30.75%

DJIA

–0.32%

–0.34%

6.35%

22.41%

MSCI EAFE

1.03%

3.22%

13.80%

20.13%

MSCI Emerging Markets

–0.63%

1.92%

16.13%

30.83%

Russell 2000

–1.09%

–2.28%

1.22%

26.67%

Source: Bloomberg

Fixed Income Index

Month-to-Date

Year-to-Date

12-Month

U.S. Broad Market

0.44%

2.05%

1.46%

U.S. Treasury

0.34%

1.72%

–0.19%

U.S. Mortgages

0.32%

1.45%

0.96%

Municipal Bond

0.92%

3.25%

0.69%

Source: Morningstar Direct

What to look forward to

This week offers a look at the housing market, what the Fed was thinking at its last meeting, and whether businesses are continuing to invest.

First up on Tuesday is the New Home Sales report. The report is expected to show a slight drop, from 621,000 sales in March to 615,000 in April, due to a limited supply of less expensive homes, which sell more quickly. Such a small decline, after strong gains in February and March, would not be a concern.

The Existing Home Sales report, released on Wednesday, is also expected to show a slight decline, from 5.71 million sales in March to 5.65 million in April. In this case, any decline would be due to a lack of supply. On a seasonally adjusted basis, the number of single-family homes for sale is at its lowest level since records started in 1982. There simply are not enough homes available for sale, despite strong demand. Here again, though, such a small decline would be nothing to worry about.

Also on Wednesday, the minutes from the Federal Open Market Committee’s last meeting will be released. Although these minutes are often out of date by the time they are released, there has been little public comment since the meeting, so they might provide useful guidance on the prospect of a June rate hike. In particular, we may learn whether officials are more concerned about the low unemployment rate or the drop in core inflation.

Finally, on Friday, we’ll see the Durable Goods Orders report for April. It is expected to show a 1.8-percent decline, after gaining 0.9 percent in March, on a sharp drop in commercial aircraft orders. Such orders are extremely volatile, so even if they decline, it will not necessarily be a bad indicator. Core orders, which exclude transportation, are expected to increase by 0.4 percent in April after a flat result in March. This is slower growth than in past months, but it would still be a healthy result.

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.