Serving as managing director at Merrill Lynch, Ralph Byer leads an accomplished career spanning more than 30 years. Outside his professional life, Ralph Byer participates in charity events organized by the Jewish Adoption and Family Care Options (JAFCO). JAFCO provides a variety of services to support vulnerable children in the Jewish community. Their organization depends on the work of many volunteers.
There are many volunteer opportunities available at JAFCO including community and village volunteer positions. Community volunteers focus on raising awareness through social events such as fundraisers. Village volunteers work at the Children’s Village where they are responsible for key duties entailing cooking, tutoring, and coaching sports teams. Volunteers may also participate in the Forever Friends program. The program matches a child in need with a volunteer mentor. Providing children with a positive role model, mentors visit the children twice a month for a period of one full year. JAFCO also encourages professionals from all fields to offer the children pro bono services as needed.
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A graduate of the State University of New York at Stony Brook, Ralph Byer is the managing director and wealth management advisor at Merrill Lynch in Florida. Ralph Byer is well-versed in stock market news and financial planning.
Financial planning refers to the process of framing financial policies around investment, administration of funds, and asset procurement. The process helps corporations eliminate uncertainties around revolving market trends, challenging businesses unprepared if funds are not managed properly. The following are the objectives of corporate financial planning: 1. Determine capital requirement - Since financial planning puts important factors like net values of current and fixed assets, promotional expenses, and long-range goals into consideration, it can help any organization determine its long-term and short-term capital requirements. 3. Identify financial policies - Essentially, financial planning helps organizations frame well-informed policies around borrowing, lending, and cash-control. 4. Allocate resources - With consistent financial planning, organizations can minimize the risk of financial resource scarcity by utilizing resources in the most efficient manner to maximize returns. 5. Determine capital structure - Through financial planning, companies can determine the relative proportion and kind of capital required for long or short-duration operations. |
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