Headmaster highbrow1/28/2024 ![]() The ensuing clash saw Highbrow captured by Scorponok, and with his partner Gort conflicting with Highbrow's decisions, he was at a disadvantage. Upon their arrival, Highbrow's suspicions were confirmed the previous fight had been a set-up to lure the Headmasters into an ambush helmed by Scorponok. ![]() The Headmasters decided that rescuing the Targetmasters from the Decepticon Fortress of Despair was more important than debating whether or not their victory had come too easily, and sped off to liberate their brethren. Hardhead criticized Highbrow's tendency to think things over, but Brainstorm defended his caution. Mindwipe faked a retreat, something that Highbrow found very suspicious. But the tables turned when Highbrow wound up saving Chromedome from the Horrorcons. Chromedome taunted Highbrow about how wrong his predictions were, as the latter had expected an easy in-and-out operation. Brothers in Armor!!ĭuring a mission on Nebulos, the Autobot Headmasters were being chased by Decepticons. After a brief battle with the Decepticon Targetmasters they retreated to protect Koraja from further damage. Love and Steel!įollowing the introduction of the Targetmasters to the war on Nebulos, Highbrow, Gort and the others were freed from captivity by a remorseful Zarak, now himself binary bonded to Scorponok. This distraction afforded the Decepticons the time they needed to outflank their opponents, leading to Highbrow and his Headmaster comrades being gunned down and taken prisoner. The civilians were enclosed within leviating bubbles by Mindwipe, forcing the Autobots to rescue them before they floated off into outer space. In the battle that ensued, Highbrow had to contend with dodging attacks from both Apeface and Weirdwolf until his attention was turned elsewhere: several delegates of Nebulos's Council of Peers had followed the Autobots to monitor them, and now found themselves imperiled. The Autobots were lured to Scorponok's base on the Plains of Thok after receiving a distress call from Lord Zarak, who had allied himself with the Decepticons. Broken Glass! Stylor's Story However, once the Decepticons had developed Headmasters of their own the tables were turned. Highbrow was binary bonded to Gort and together they were able to repel the Decepticon invaders, all the while marveling at the incredible power the process had granted them. Soon Scorponok's Decepticons had arrived on Nebulos and after they attacked the city of Koraja the Autobots convinced Galen to attempt the creation of Headmasters - a fusion of Nebulan and Autobot warriors through a binary bonding process devised by the Nebulan surgeon Arcana. 1.7 Dreamwave Generation One continuityįiction Marvel Comics continuity Marvel The Transformers comics.1.3 Japanese Generation 1 cartoon continuity.That a paradigmatic mind such as his own should be bound or beholden to a lesser being, especially a rude, primitive swain such as the Nebulan biped Gort is a supreme and vexing irony. ![]() The greatest tragedy of his existence is to be clearly so far beyond all those around him, entrapped as they are by their own primitive psyches and abysmal ignorance in a barbaric escalation of pugnacious defenestration and rebuttal. The ultrascopic trans-infinite sublimity of his diurnal ponderances transcend the circumference of most sentient species' entire thought-spheres, if he does vocalize the notion personally (and you can be certain he will). No, no, don't allow your comparably plebeian cerebral encumbrance to strain itself beyond endurance in a futile attempt to grasp the intrinsic universal magnitude of Highbrow's innate mental acuity, for it will bear no arboreal reproductive spheres. To put it in terms even your obviously limited intellect can easily understand: " Highbrow is smarter than you are". To start my Retro Headmasters collection, I purchased all 4 figures of Wave 1, but I purchased Wave 2 individually.Try to imagine that Perceptor and Sky Lynx had a kid.The Retro Headmasters RHM-05 Highbrow is a cartoon accurate repaint of the Titans Return Highbrow figure.There are a few characters that pop up more than once in the Generations line. The RHM-05 Highbrow also includes Xort, his Headmaster partner.This figure is inspired by his Japanese G1 design. This version of Highbrow transforms into the blue and white Cybertronian bi-rotor helicopter from the Transformers The Headmasters show in 1987.
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Est gee football1/28/2024 ![]() Moreover, Fee was ranked as the top linebacker in the state of Kentucky. While in college, he used to play football and he became even so perfect that he received a scholarship after graduation. Gee had the opportunity to serve the Canadian Football Club by becoming a member of the team. Xavier High School in 2012 and later did his graduation. Still only 24 years old, the young Louisville native has yet to miss. Est Gee is a well-known American rapper and songwriter. ![]() Harlow has followed his initial success with two more albums, That’s What They All Say and Come Home, The Kids Miss You, to commercial acclaim, and he’s netted Billboard and MTV Video Music Awards for his recent work. After graduating from high school, Gee accepted a football scholarship to Indiana State, then transferred to Sacramento City, before finally finishing his amateur career at Texas’ Stephen F. My general principles and my morals haven’t changed, he says, explaining how he’s adapted to fame. Austin State University for two collegiate seasons. At 26 years old, EST Gee has the poise and composure of a seasoned veteran. Afterward, Stone transferred to Sacramento City College for one season and again to Stephen F. ![]() First came collaborations with stars like Bryson Tiller and EST Gee, and then, the meteoric success of What’s Poppin.’ EST Gee, considered as Kentucky's top backline prospect, received a football scholarship from Indiana State University after graduating from high school. It wasn’t long before Jack linked up with DJ Drama since then, he’s been on fire. With Gee-Gee of The Scarlet Moving Van the king lives again (Vive le Roi) but he is still ailing in a stuffy environment. He would go on to graduate high school in 2012 and receive a football scholarship at university. His first mixtape was available in middle school, and throughout high school, it wasn’t uncommon to perform sold-out shows at area venues like The Mercury Ballroom and Headliners.Īfter graduating, Jack continued to write and record, working at Chik-Fil-A to supplement his income. Stone was born on May 11, 1994, in Louisville, Kentucky. Jack didn’t waste much time getting started and used a Guitar Hero microphone to record his first raps. If there’s one Kentucky rapper that’s been on every fan’s mind since he arrived with 2020’s breakout hit What’s Poppin,’ Jack Harlow has put the state on his back and helped shine a light on some of the incredible talent that’s bubbling up in Kentucky. Spiritual meaning of cut fingers1/28/2024 ![]() To see them colored, denotes that while your engagements may not be strictly moral, you will manage them with such ingenuity that they will elude opprobrium. To see pure white ones in large lots, foretells that you will resist the insistent flattery of unscrupulous and evil-minded persons, and thus gain entrance into high relations with love and matrimony. To see them soiled, foretells that you will be corrupted by indiscriminate associations. To see torn ones, foretells that lovers’ quarrels will reach such straits that reconciliation will be improbable if not impossible. To lose one, omens a broken engagement through no fault of yours. To dream of handkerchiefs, denotes flirtations and contingent affairs. The palm of one’s hand in a dream also represents a year, ways of life, money, leadership, a son, courage and desisting from evildoing. The palm of one’s hand in a dream also represents one’s prayers and supplications, comfort, seeking the comfort of others, or receiving benefits from others. Aclose fist in a dream means stinginess.Ī nice looking palm of one’s hand also signifies abstaining from evil, or failing to pay charity. If one finds himself afraid, then sees the palm of a hand holding out before him in a dream, it means that his fears will be dispelled.Ī large and a stretched palm in a dream means prosperity and generosity. It also may mean ceasing a certain course of action. In a dream, the palm of one’s hand also represents his world. Seeing one’s hand hanging down from the skies in a dream denotes one’s connections with the ruler or people in authority.Ī stretched hand from the skies in a dream also could mean profits and blessings for a hunter, a builder and a real estate professional. Growing hair on top of one’s hand in a dream indicates one’s strength or virility. Ifone sees hair growing in the palm of his hand in a dream, it means depression, distress and debts. Holding a tight fist in a dream implies poverty, or tight living conditions. To stretch open one’s palm in a dream signifies wealth and prosperity. In a dream, the palm of one’s hand also represents one’s strength. Hitting the top of one’s hand into the palm of the other hand means separation. ![]() Slapping one’s own face with both hands means sorrow, sadness, or calamities. Carrying a glove in one’s hand in a dream means ceasing the course of wrongdoing. Clapping one’s hands in a dream could either mean joy and happiness, or it could mean nothing in wakefulness. (Hand) In a dream, the palm of one’s hand represents one’s fitness in wakefulness. In loosening them, you will force others to submit to your dictations. To dream that your hands are tied, denotes that you will be involved in difficulties. To handle fire without burning her hands, she will rise to high rank and commanding positions. If she lets others kiss her hands, she will have gossips busy with her reputation. ![]() To have a man hold her hands, she will be enticed into illicit engagements. To admire the hands of others, she will be subjected to the whims of a jealous man. To wash your hands, you will participate in some joyous festivity.įor a woman to admire her own hands, is proof that she will win and hold the sincere regard of the man she prizes above all others. To see your hands soiled, denotes that you will be envious and unjust to others. To see them smaller, the reverse is predicted. To see your hands enlarged, denotes a quick advancement in your affairs. To see your hands covered with hair, denotes that you will not become a solid and leading factor in your circle. To burn your hands, you will overreach the bounds of reason in your struggles for wealth and fame, and lose thereby. To see a detached hand, indicates a solitary life, that is, people will fail to understand your views and feelings. If you have an injured hand, some person will succeed to what you are striving most to obtain. To see blood on them, denotes estrangement and unjust censure from members of your family. If you see beautiful hands in your dream, you will enjoy great distinction, and rise rapidly in your calling but ugly and malformed hands point to disappointments and poverty. Label wizard word1/28/2024 ![]() Alternatively, you can add individual placeholders using the MORE ITEMS option. The Mail Merge wizard includes preformatted options (like the ADDRESS BLOCK option) to add groups of placeholders. The placeholders look like the Next Record rule but will have a name taken from the column headers in your data source – e.g. When you want to add a piece of information from your data source, you need to add a placeholder to your design. If you need to use copy and paste to complete your label template, you must remember to make sure that you leave the NEXT RECORD rule in place. This option is NOT available if you have used a saved label template. The Mail Merge Wizard Panel contains a tool (UPDATE ALL LABELS) to do this for you. We recommend adding your design to the first blank label and then using copy and paste to fill in the rest of your template. Repeat this for each of the remaining blank labels OR copy and paste the rule into the remaining blank labels. Click on this and select NEXT RECORD to add the rule to the second label. In the MAILINGS tab at the top of the page, you will see a RULES option. If you have used a saved label template, you will need to add in this rule yourself. Once you have confirmed your list of addresses, the NEXT RECORD rule will appear in all of the blank labels in your template (apart from the first one). You can use this box to sort and filter your addresses – and exclude any you don’t want to use. You will then be shown a list of the addresses that Word has found in your data source. You also need to indicate if your data source has column headers (e.g. a spreadsheet with two or more sheets), you will need to indicate which section contains your addresses. If your data source has multiple sections (e.g. To open an existing list, click on “Use an existing list”, and then browse to and open your saved address list. You can use an existing list, saved Outlook contacts, or type a new list at this moment. This is where you select your data source (list of addresses). Browse to your saved label template and open it. Saved Label Templates – select START FROM EXISTING DOCUMENT and click on OPEN. We’ve written a Template Tuesday guide to creating label templates, which you can view here. Fill in the measurements of your label size and layout, then click OK to create your label template. A4/A5) and click OK.Ĭreate A Label Template – follow the steps above but instead of choosing a code, click on NEW LABEL. Set “Printer Information” to “Page Printers” and choose your “Label Vendor” (e.g. ![]() As mentioned above, you can use a compatible template, a Word template you have previously downloaded and saved, or create a new label template.Ĭompatible Template – select CHANGE DOCUMENT LAYOUT and click on LABEL OPTIONS. This is where you select your label template. MAIL MERGE: STEP 2 – SELECT STARTING DOCUMENT To create a set of address labels, you will need to select LABELS from the list of documents. MAIL MERGE: STEP 1 – SELECT DOCUMENT TYPE You will primarily use this panel to set up your address labels. This panel will guide you through the SIX STEPS of the mail merge. This opens the Mail Merge Wizard panel on the right hand side of your screen. Click on START MAIL MERGE and select STEP BY STEP MAIL MERGE WIZARD. Click on the MAILINGS tab at the top of the page. We recommend using Word’s STEP BY STEP MAIL MERGE WIZARD and this guide will show you how to use the Wizard to create your set of address labels. Word label templates and measurements for all of our label sizes can be found in our Label Templates section. If your label size doesn’t have a compatible code, you will need a saved copy of a suitable Word label template OR the measurements of your A4 labels. Ideally, you should use a compatible template that is built into Word. You can use an Excel Spreadsheet, Outlook Contact List, Office Address List, Word Data File, Access Database, or Text File. A data source (your list of addresses).View our step by step How To video to learn how to use mail merge to make labels. Watch a video: this advice is also available in video format. This guide will explain how to use Mail Merge to combine a Word label template with a saved list of addresses to create individual address labels. Template Tuesday Presents.how to use Mail Merge to create individual address labels. Or copy the link! How To? – How To Print Address Labels Using Mail Merge In Word The elder scrolls 6 black marsh1/28/2024 Consider this your flex spot and slot Burning Talons if you want a big AoE spammable. ![]() wyoming antelope draw results 2022 Inner Light (Morph of Magelight | Skill line: Mages Guild) - Slotting increases max magicka increase making us hit harder and provides critical buff. If you have enough Health already as a Templar Tank you can move. ![]() To do this, Templar Tanks will want to put the majority of their Attribute Points into Health, allowing them to take more damage. The priority of a Templar Tank build is to stay alive long enough to control enemies and protect team mates. The new Necrom Chapter launches on June 5th, …The Best Attributes For Templar Tanks. This year 2023 Bethesda revealed that the new chapter is called Necrom and surprised the community with the new Arcanist class. They usually include a new zone new separate storyline and one or more new game features. Venomous Claw (Morph of Searing Strike | Skill line: Ardent Flame) - With hybridization, the stamina morph Claw …Elder Scrolls Online Chapters are big expansions released yearly. 2) Trade Guilds~ Centered around buying/selling 3) RP Guilds~ Role Play 4) Trials Guilds~ Trials are the 12 man delvs 5) PvP guilds~ Folks who focus on the Alliance War 6) Crafting Guilds~ For crafters and those wanting to level those skill lines Inner Light (Morph of Magelight | Skill line: Mages Guild) - Slotting increases max magicka increase making us hit harder and provides critical buff. *Edit for anyone who is googling a 20 hour cooldowElder Scrolls Online: 10 Best Templar Builds, Ranked (For 2021) By Rhenn Taguiam Updated With the right build, Templars can be powerful juggernauts or stalwart defenders of the.1) Social/Casual Guilds~ Just fun and helpful people doing stuff. Health: determines the amount of damage you can take in combat before dying and how much …If you really wanna be safe you can hoard boxes and open one per day, but it really seems to be RNG working exactly as intended. These are your primary resources which allow you to fight and survive in ESO’s fast-paced combat system. The three main Attributes available in The Elder Scrolls Online are Health, Magicka and Stamina. However, as CrazyZilox said, you can join all the NPC Guilds (Fighter, Mage, Undaunted, Thieve's, and Dark Brotherhood) and see for yourself if any of the abilities interest you or not. Mage's Guild has some good caster-related stuff in it, but I can't recall anything specifically that would benefit you. This Skill Line focuses primarily on dealing Fire Damage and the Passive Skills in the Line increase your effectiveness with these Skills as well as reduce the cost of abilities. Dawn's Wrath Skills are one of the 3 Skill Lines available to players who choose the Templar Class in Elder Scrolls Online. ![]() ![]() Race: High Elf (Dark Elf or Khajiit) | Mundus: Thief | Food: Solitude Salmon Millet. If you have an old version of the game without access to the. The standard 2020 version of TESO also features the Warden class, which was added in the Morrowind expansion set. By default, 4 of the 6 classes are available in the game - Dragonknight, Nightblade, Sorcerer and Templar. · The choice of class is made when you create a new character. Templar - Great offensive utility and unparalleled healing output. Progression in Guilds and Alliance War grants access to additional. Quick cleaner malware1/28/2024 ![]() By the way, the former has a very long track record, falling into the pool of rogue system utilities that pioneered the Mac threat landscape. This application is a replica of several notorious scareware programs from the same family, including Advanced Mac Cleaner and Easy Mac Care. If the utility spots malicious code, you will need to buy a license to get rid of it. Download Now Learn how ComboCleaner works. This way, you may reduce the cleanup time from hours to minutes. ![]() Therefore, it is recommended to download Combo Cleaner and scan your system for these stubborn files. Quick Mac Booster may re-infect your Mac multiple times unless you delete all of its fragments, including hidden ones. Not only is it worthless in terms of the features it claims to deliver, but it’s also hugely irksome and intrusive. The verdict is unambiguous: Quick Mac Booster should be uninstalled without a second thought. However, fixing imaginary system problems for a fee isn’t in any sane user’s interest, to put it mildly. The ultimate goal pursued by this sketchy program is to earn its operators profit through touting the licensed version incessantly. The pest is hardly ever knowingly installed, arriving with ostensibly harmless freeware bundles that don’t disclose their real structure to the would-be victims. Once inside a Mac, this scareware is constantly front and center with its annoying scan reports listing dozens or hundreds of performance and security issues that aren’t actually there. Quick Mac Booster is a malicious app disguised as a system optimizer. Use the tool to remove the infection if found. Scan your Mac with Combo Cleaner to detect all files related to the malware. Spoof scan results to manipulate victims into purchasing license, unwanted browser changes, search redirects Generates fake issue detections, causes system slowdown, resists regular removal ![]() MacBook Air, MacBook Pro, iMac, Mac Pro (all Mac OS X) Quick Mac Booster (Quick MacBooster, QuickMacBooster) Macos wifi scanner1/27/2024 ![]() There are some limitations in the trial version.Your MacBook is required to run macOS X 10.10 or later.Analysis in low Wi-Fi signal area may be difficult.It provides Wi-Fi maps for hotspots at home and office.The user interface is intuitive, simple and easy to use.Easily to view SSID, Band, Vendor, Noise and Signal Strength, Security.You can easily locate the place where no Wi-Fi is spread and select to set a new Wi-Fi. ![]() NetSpot also works as an amazing tool to plan your Wi-Fi. It provides visual Wi-Fi map where you can see all dead zones without Wi-Fi coverage. NetSpot allows you to visualize, manage and plan your wireless network. You can use the free version to test and improve Wi-Fi. No matter you want to improve home Wi-Fi or office Wi-Fi, you can use the professional NetSpot to analyze and troubleshoot Wi-Fi issues. ![]() NetSpot – Free WiFi Analyzer for Home/Office WiFi
Heavy rain sounds1/27/2024 I had a lot of issues with detroit become human too and this was the culprit that stopped stutering. Answer (1 of 5): Yes you can monetize your channel but, 1. Originally posted by Distortion: Ye i noticed stuttering but only in the end (after i made mistake to upgrade drivers), try downgrading your graphics driver see if that fixes it. 2 - Fide rain densely overcast heavy rain. Relieve Stress so You can Sleep Instantly with Heavy Rain and. The game has really good story (apart from lacking motivation killer a bit) but the +4 characters are really nice written and loveable. Keep the plants thin that afforded of determining how the musical sounds their foliage may be kept. But it's amazing how realistic and nice rain looks in this game, like even better than nowadays games or beyond two souls. Only issue i had was with the first 2 missions looking old lightning. Graphics kinda look off first 2 levels and some levels are really nice so its a bit of mix but more good than bad. I love the rain sounds and I would love to Share this Amazing experience with others in Youtube and help them in their lives, Please Consider my request because it would mean A lot to me and Also it would help out many people Fight Depression. Alright brother, it's a nice game i did enjoy much. Thinking of replaying since it's stutter free now. Thanks mate□, 446.14 did indeed solved the stuttering problem. In detroit i had often crashes than shut down whole game during playing so try it. Heavy Rain, recorded with a AKG C1000S wind thunder-storm ambience ambient storm Rain rainstorm weather strike water lightning rain thunderstorm rolling-thunder thunder drip nature shower field-recording raining heavy Comments gizaclix37586 2 weeks ago Hi lebaston 100 great sounds Thank you torterolli 2 weeks, 6 days ago Thank you. I had a lot of issues with detroit become human too and this was the culprit that stopped stutering. All of our sound effects are available to download today to use on your next video or audio project. Try it as a calming sleep sound at night. ![]() This video is packed with sounds from the nature are perfect for creating a cozy ambiance in your home. All of these are nice rain sound generator, but I liked White Noise the most. ![]() Rain with thunder sounds for insomnia symptoms, meditation, yoga, sleep disorders, stress reduction.Originally posted by Distortion:Ye i noticed stuttering but only in the end (after i made mistake to upgrade drivers), try downgrading your graphics driver see if that fixes it. Relaxing nature sounds of a thunderstorm with heavy rain splashing against the window, while the wind is blowing in the background. These rain sounds include rainstorm, rain on lake, light rain pouring. ![]() Heavy rain fell in a forest park late at night, pure sounds of rain and distant thunder for deep sleep and study. Sounds of heavy rain and terrible thunder will make you fall into a deep sleep in minutes. Biggie hypnotize1/27/2024 ![]() ![]() When he first played the loop for Biggie, Biggie smiled and hugged him.”īelow, however, we’re stripping the song of those beats and listening to Biggie Smalls’ studio acapella track for his classic song ‘Hypnotize’. He had always remembered that summer and that song. He told me that in the summer of 1979 when he was I think ten years old the song was a huge hit everywhere in New York and ‘Rise’ along with Chic’s ‘Good Times’ were ‘The Songs’ that all the kids were dancing and roller skating to that summer. ![]() The video opens on the ocean outside the Florida Keys. is a homage to the materialistic and confident lifestyle of a rap superstar. performs in the music video 'Hypnotize' from the album 'Life After Death' recorded for Bad Boy Records. The track is a magical effort that is unarguably one of the definitive Biggie Smalls efforts and encapsulates everything about his larger than life character in one song.ĭiddy sampled the music from Herb Alpert’s 1979 hit ‘Rise’, which was written by Andy Armer and Herb’s nephew, Randy Badazz Alpert, later recalled: “I asked Puffy, in 1996 when he first called me concerning using ‘Rise’ for ‘Hypnotize,’ why he chose the ‘Rise’ groove. The song Hypnotize by The Notorious B.I.G. Biggie, Biggie, Biggie cant you see Sometimes your words just hypnotize me. ‘Hypnotize’ was released just a week before Biggie’s death and became just the fifth track to reach number one in the charts posthumously. (Diddy) Ha, sicker than your average, Poppa twist cabbage off instinct Niggas dont. (Diddy) Uh, uh, (Uh, come on) Verse 1: The Notorious B.I.G. One such song to perfectly capture that sentiment is ‘Hypnotize’. Hypnotize Lyrics Intro: The Notorious B.I.G. was that he is an icon because of his work on the mic not his actions off it. Hypnotize Biggie by Cntrast Artisan Ales is a Stout - Imperial / Double Coffee which has a rating of 4.1 out of 5, with 244 ratings and reviews on Untappd. While his feud with Tupac Shakur will always be a part of Biggie’s life and his sad death, the truth about Notorious B.I.G. representing Brooklyn, New York, we up in here.” Biggie was a Black man who was overweight, extremely dark skinned, and had a crook in his eye, yet he was a charmer. Tonight we are inducting the greatest rapper of all time into the Rock and Roll Hall of Fame, the Notorious B.I.G. Adding: “Nobody has come close to the way Biggie sounds, to the way he raps, to the frequency that he hits. Factset stock pro and cons1/27/2024 However, since so far nobody has invented a crystal ball, the final decision must be made by the client. The advisor should certainly point to all known pitfalls of potential investment options and weigh the pros and cons. With good financial advisors, the situation is analogous. The main point here is that after the doctor has provided their expert guidance and the information they deem appropriate and comprehensible, the patient is tasked to make their own decision. When talking with a patient receiving the diagnosis of an illness, the doctor does their best to provide information about different treatment options, identify the risks, discuss potential treatment plans, and of course, point to the different chances of recovery. ![]() The role of fully independent advisors acting in clients' best interests is comparable to that of a doctor. These questions can become important door openers for deeper client relationships. How would the standard of living of a 59-year-old client need to change if a severe depression hits the markets? What does the overall exposure of a 29-year-old young professional couple look like after marriage? Why might it pay for a wealthy 45-year-old investor to convert a portion of inherited real estate into more liquid traditional assets? By leveraging advisors' experience, it should not be difficult to create standardized personae and design workflows, which seamlessly answer these questions in a robust, evidence-based way. Second, software support for investor personae along the traditional lifecycle model might help ask the right questions at the right time. How can a portfolio be hedged against market downturns without realizing accrued investment gains? What is the most cost- and tax-efficient way to withdraw x% of the portfolio?Ĭan the client profit from "tax-loss harvesting"? Which current investments of a client portfolio should be exchanged for others and why? Which security would best complement a client's existing portfolio from a return, risk, and diversification perspective? While personalization and scale sound like contradictory concepts, the solution can be found in "mass-customization." What does mass-customization mean in practice?įirst, your analytical platform needs to provide solid answers to investors' most basic questions, such as: In contrast to this one-size-fits-all allocation, we expect that in the future most investors' portfolios will be personalized. Depending on a client's risk profile, their money is deployed to one out of X pre-defined model portfolios. ![]() Portfolios are often structured identically for different clients (this is exactly what most robo-advisors are doing). Nevertheless, people's fundamental interests and beliefs have widely been neglected by advisors. The growing interest in ESG-related investment topics illustrates that many investors want to see more from their deployed money than investment performance. Here we focus on having a platform that is personalized and emotionally engaging as well as extendable. Previously, we discussed the importance of developing a modern wholesale distribution platform that is informative and monitoring. In this series of articles, we concentrate on the technology part of this story and review some of its key characteristics. ![]() Many wholesalers are transitioning these services to a new and more advanced level by supporting their specialist teams with advanced analytical platforms. These teams are often not only responsible for building and maintaining their internal tooling (e.g., for portfolio construction) but also are employing their tools to deliver on advisors' requests. That is one reason why many wholesalers began to set up specialist teams. There simply is no human who can perform sophisticated mathematical optimizations without any technological support. For sure, all of them are experts in their individual product domains, but only a few have the competencies to deliver on the more complex needs, such as sophisticated portfolio construction or financial planning services.īecause these higher value services are not only more demanding from a communicative point of view but also from a data, analytical, and computational perspective, technology clearly plays a significant role. However, wholesalers' sales forces are often not well prepared to deliver on these requests. They request investment know-how beyond simple product pitches. Rethinking the Wholesale Distribution Workflow (Part 3) Wealth Managementīy Thomas Etheber, PhD, CFA | September 22, 2021Īs advisors continue to move from purely product- to solution-oriented sales and advisory processes, the questions raised to their wholesaler partners have naturally gained in complexity. AuthorWrite something about yourself. No need to be fancy, just an overview. ArchivesCategories |