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Dale S. Ditto, CFP®,CRPC®
Senior Vice President
Financial Consultant


300 West Vine Street
Suite 1100
Lexington, KY 40507

859/514-6415

About Dale

Dale Ditto, one of the founding members of the McIntosh-Ditto Wealth Advisory Group at Hilliard Lyons, has a goal to help “Make Wealth a Blessing, not a Burden”.  This involves a process that includes the following 3 steps: Organize, Simplify, and Maximize. 

Developing this plan requires Dale and other members of the McIntosh-Ditto Wealth Advisory Group to have a deep understanding of your financial situation. Then, using the group’s creative and professional resources and a well-designed investment process, they help develop a financial plan that will help you pursue your financial goals. 

Dale’s legitimacy as a financial consultant is backed by his education and work experience. He graduated with a BS in Business Administration from Oral Roberts University in 1975.  He then went on to the University of Virginia where he acquired his Law Degree (JD) and Masters in Foreign Affairs in 1978 and 1982, respectively.

Since then, Dale has had over 20 years of estate planning experience as an attorney, acquired multiple financial certifications, and belongs to multiple service organizations such as Kentucky Harvest, Christian Business Men’s Committee, and Habitat for Humanity.  Dale also has multiple financial certifications, including, Certified Financial Planner (CFP®) and a Chartered Retirement Planning Counselor (CFPC®).  Through integrity, trust, knowledge, and experience, Dale is prepared to do what’s best for his clients.

Dale is happily married to Louise Haughton Ditto, his wife of 31 years with whom he has five grown sons. 

Welcome to Hilliard Lyons

When it comes to creating and preserving wealth, as well as boosting income, today's investors aren't just looking for investment vehicles and services; they're looking for a personal understanding of their financial needs and goals.

As your Financial Consultant, I look forward to helping you get where you want to be. It's my top priority to meet the unique objectives and financial goals of individuals and families like yours. Let's work together to find the investment strategy that's right for you. I am dedicated to finding your appropriate investment strategy while providing excellent, personalized service.

Hilliard Lyons understands that as your personal life changes, so does your financial life so we focus on formulating a personalized strategy appropriate to your needs. I invite you to call or email me today to find out how I can help you.

Daily Market Comment

Daily Market Recap -


Updated Each Business Day at Approximately 4:30 pm ET.



US markets were mixed-to-broadly higher Wednesday, with sector action led by telecoms on the strength of AT&T, up 5 percent, which reported better than anticipated Q2 results after last night's close. The Dow 30 was also bolstered by component Boeing, shares of which were almost 10 percent higher after second quarter profits bested street expectations. Advanced Micro Devices and Coca-Cola also benefitted from beating analyst estimates for the quarter. Rising oil prices helped keep markets in the green, and as generally expected the Federal Reserve did not raise interest rates at today's FOMC meeting.

The DJIA jumped 97.58 points to 21711.01 (record close), the NASDAQ added 10.57 points at 6422.75 (record close), and the S&P 500 was up less than a point at 2477.83. Dow Transports lost 5.36 points at 9484.12, while the Dow Jones Utility Index gained 6.73 points at 722.59. Russell 2000 small caps ended at 1442.26, down 8.12 points. 826 million and 723 million shares were traded on the New York Stock Exchange and NASDAQ, respectively. Advancers narrowly outpaced decliners on the NYSE, and decliners outnumbered advancers 15 to 14 on the NASDAQ.

The US dollar weakened as investors seemed to feel the Fed was taking a cautious approach to inflation; the ICE US Dollar Index was off 0.2 percent at 93.81. August gold, which settled before the FOMC announcement, was also off 0.2 percent at $1249.40 per ounce. Data showed US crude inventories fell for the fourth straight week, and September WTI crude settled at $48.75 per barrel, up 1.8 percent. Recent US treasury yields: 1.4 percent for the 2-year note, 1.8 percent for the 5-year note, 2.3 percent for the 10-year note, and 2.9 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --

Earnings season drove a lot of the action in the US markets Tuesday. Dow 30's Caterpillar and McDonald's helped lift the DJIA, with shares of the components up 5.9 and 4.8 percent, respectively, after the companies reported better than expected Q2 results. With the stock down 2.9 percent Alphabet weighed on the NASDAQ, though the index closed at another record anyway. GOOGL's second quarter revenue of $26 billion missed street consensus of $25.6 billion. Freeport-McMoRan notched a second quarter profit, following a first quarter loss, and shares jumped 14.7 percent. 3M's Q2 revenue came in below analyst expectations, and shares were off 5.1 percent.

The DJIA rose 100.26 points to 21613.43, the NASDAQ added 1.37 points at 6412.17, and the S&P 500 gained 7.17 points to 2477.08 (also a record close).

The US dollar was stronger versus the yen but weaker versus the euro and pound on Tuesday. August gold settled at $1252.10 per ounce, off 0.2 percent. A new pledge from Saudi Arabia for decreased exports of crude and a new pledge from Nigeria for output limits sent oil prices rallying, with September WTI crude settling at $47.89 per barrel, up 3.3 percent. Recent US treasury yields: 1.4 percent for the 2-year note, 1.9 percent for the 5-year note, 2.3 percent for the 10-year note, and 2.9 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --

US markets opened the week on a mixed note, with the NASDAQ shrugging off sluggishness elsewhere to close at another record high. The Dow 30 was lower with shares of components General Electric and Nike off 1.9 and 1.6 percent, respectively. Investors seemed to be treading water a bit ahead of a busy week of earnings releases and the two-day FOMC meeting which starts tomorrow. WebMD Health Corp. shares popped nearly 20 percent after the company announced it will be acquired and taken private by KKR & Co. in a $2.8 billion cash deal. Hasbro fell 9.4 percent after a Q2 revenue miss; Halliburton gave up 4.3 percent despite exceeding quarterly sales and revenue expectations.

The DJIA fell 66.90 points to 21513.17, the NASDAQ gained 23.05 points to 6410.81, and the S&P 500 lost 2.63 points at 2469.91. Dow Transports shed 43.07 points at 9428.20, while the Dow Jones Utility Index was off 6.46 points at 719.02. Russell 2000 small caps ended at 1438.59, up 2.75 points. 821 million and 437 million shares were traded on the New York Stock Exchange and NASDAQ, respectively. Decliners outpaced advancers 4 to 3 on the NYSE, and on the NASDAQ advancers outnumbered decliners by a very narrow margin.

The US dollar gained back a little ground Monday, with the US ICE Dollar Index up 0.2 percent to 94.05. The dollar's stabilization made a slight dent in August gold, which settled at $1254.30, down less than 0.1 percent. September WTI crude settled 0.9 percent higher at $46.19 per barrel, following news of Nigeria's plans for production limits and Saudi Arabia pledging fewer exports of crude. Recent US treasury yields: 1.4 percent for the 2-year note, 1.8 percent for the 5-year note, 2.3 percent for the 10-year note, and 2.8 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --

The Dow 30 stumbled Friday, weighed down by investor response to component General Electric's Q2, and US markets mostly ended the week on a subdued note. GE earned $0.15 per share, or $1.19 billion, in the second quarter, off from $0.36 per share or $2.76 billion in the prior year period, though this was a smaller decline than the street had expected. Shares of the conglomerate closed down 2.9 percent. After closing at a record high on Thursday Microsoft shares fell 0.6 percent after last night's earnings release. The software maker said it had fourth quarter net income of $0.83 per share, or $6.5 billion, with sales of $23.3 billion, besting analyst expectations.

The DJIA fell 31.71 points to 21580.07 (-0.3 percent for the week), the NASDAQ lost 2.25 points to 6387.75 (+1.2 percent for the week), and the S&P 500 was off nearly a point at 2472.54 (+0.5 percent for the week). Dow Transports shed 11.82 points at 9471.27, while the Dow Jones Utility Index added 5.67 points at 725.48. Russell 2000 small caps ended at 1435.77, down 6.57 points. 837 million and 498 million shares were traded on the New York Stock Exchange and NASDAQ, respectively. Decliners outnumbered advancers 14 to 13 on the NYSE and 16 to 13 on the NASDAQ.

US dollar weakness and investor concerns over potential turmoil in the White House helped strengthen August gold, which settled at $1254.90 per ounce, up 0.8 percent. September WTI crude settled at $45.77 per barrel, off 2.5 percent, on investor expectations that prices could be pressured by increased OPEC output ahead of a major producers meeting on Monday. Recent US treasury yields: 1.3 percent for the 2-year note, 1.8 percent for the 5-year note, 2.2 percent for the 10-year note, and 2.8 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --

The Dow 30 struggled on Thursday as components Home Depot and Travelers ended down 4.1 and 1.5 percent, respectively. Home Depot may have been hurt by news that competitor Sears's Kenmore appliances will be sold on Amazon.com. Shares of Lowe's Cos. were off 5.6 percent alongside Home Depot. Travelers took a hit after reporting lower second quarter results: for Q2 the insurer earned $2.11 per share, or $595 million, compared to $2.24 per share or $664 million in the prior year period. Elsewhere, Philip Morris Intl. shares declined 1.4 percent after reporting revenue and earnings numbers that missed analyst expectations. Kinder Morgan shares gained 4.7 percent after the company said it anticipated a dividend increase of 60 percent in 2018, and additionally authorized a share buyback program of $2 billion.

The DJIA fell 28.97 points to 21611.78, the NASDAQ added 4.96 points at 6390.00 (another record high close), and the S&P 500 was up less than a point at 2473.45. The Dow Transports dropped 92.64 points to 9483.09, while the Dow Jones Utility Index were higher by 5.10 points at 719.81. Russell 2000 small caps ended at 1441.98, up less than a point. 752 million and 446 million shares were traded on the New York Stock Exchange and NASDAQ, respectively. Decliners just barely outnumbered advancers on the NYSE, and advancers outpaced decliners on the NASDAQ 15 to 13.

After a European Central Bank meeting investors seemed to anticipate the bank will start tapering its bond purchase program in autumn. The US dollar lost ground versus the euro and the ICE US Dollar Index gave up 0.5 percent. Inversely, gold futures strengthened, with August gold settling at $1245.50 per ounce, up 0.3 percent. August WTI crude gave up 0.7 percent to settle at $46.79 per barrel. Recent US treasury yields: 1.4 percent for the 2-year note, 1.8 percent for the 5-year note, 2.3 percent for the 10-year note, and 2.8 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --

US markets closed mostly in record high territory on Wednesday. Trading was heavy for the financials sector following Morgan Stanley's second quarter results. The investment bank earned $0.87 per share on $8.5 billion in revenue, topping street expectations and prior year period results; shares rose 3.3 percent. Dow Transports were dragged down by United Contential Holdings and CSX Corp. trading off 5.9 and 5.1 percent, respectively, after their earnings reports. According to Marketwatch, Prudential Financial's chief market strategist, Quincy Krosby, believes "It may be a little to soon...to get a sense of where earnings season is heading" despite today's record closes. Investors seem to be looking to tomorrow's Microsoft results and General Electric's on Friday for a better idea about the markets' direction.

The Dow Jones Industrial Average gained 66.02 points at 21640.75, the NASDAQ rose 40.74 points to 6385.04, and the S&P 500 added 13.22 points at 2473.83 -- record closes for each. The Dow Transports shed 57.32 points at 9575.73, while the Dow Jones Utility Index was up 2.93 points at 714.71. Russell 2000 small caps ended at 1441.76, higher by 14.15 points. 710 million and 448 million shares were traded on the New York Stock Exchange and NASDAQ, respectively. Advancers outnumbered decliners 3 to 1 on the NYSE and 2 to 1 on the NASDAQ.

US government data showing US crude stockpiles decreased for the third week in a row helped oil futures higher. August WTI crude settled at $47.12 per barrel, up 1.6 percent. August gold settled at $1242 per ounce, up $0.10. The ICE US Dollar Index rose 0.2 percent to 94.759. Recent US treasury yields: 1.4 percent for the 2-year note, 1.8 percent for the 5-year note, 2.3 percent for the 10-year note, and 2.9 percent for the 30-year bond.

-- Clients with questions concerning this Afternoon Comment are advised to contact Amanda Collier at 1-800-444-1854 x8820 or (502) 588-8820. Members of the media are advised to contact Gary England at 1-800-444-1854 x1738 or (502) 588-1738. --
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Wealth management solutions built on a foundation as sophisticated as the needs of our clients

Your Hilliard Lyons Financial Consultant combines knowledge and experience with the backing of one of the most sophisticated investment firms in the business.

The enormous complexity of today's investment climate can make managing your assets on your own more and more challenging – and time-consuming.

At Hilliard Lyons, our solutions are developed by a team dedicated to providing the most comprehensive solutions for those with significant wealth – a knowledgeable and experienced team backed by state-of-the-art resources.

Your Financial Consultant will hone in on your overall financial picture – applying your individual risk profile and goals to your investment strategy using targeted asset allocation and methodical investment selection techniques. Our advanced modeling techniques allow your consultant to help you make truly informed decisions about your financial future. Sophisticated "what-if" scenarios show you the possibilities for a complete range of life choices including retirement, education funding, debt management, estate planning and insurance.

The result: an unimpeded view of your situation and an enviable comfort level in knowing where you stand – all coupled with the advice and service of your personal Financial Consultant.

Access to quality wealth management solutions

Putting your plan in place requires access to advanced and exceptional solutions.

Because we have a broad range of investments from which to choose, we can help you create a fine-tuned portfolio that is aligned with your specific objectives.

The right financial plan will point you toward your goals. The right tools will help you get there. Your Hilliard Lyons Financial Consultant will work with you to create your financial plan, providing you with a roadmap of investment solutions targeting your objectives.

Choosing from a broad range of solutions, your Financial Consultant will recommend investment options mapped to your financial plan and matched to your investment profile. We are also able to assist you with the short-term transactions you may require to build liquidity or manage a pre-existing investment position.
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