Logo AptarGroup

AptarGroup (ATR) stock: analyst price target and their real reliability

Live quote · data updated Aug 28, 2026
AptarGroup · Materials · ref. ETF XLB · 50 calls · price $132.86
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What the company does: AptarGroup, Inc. specializes in developing and manufacturing solutions for dispensing, sealing, and advanced material science, catering to a broad spectrum of industries such as beauty, personal care, home care, and the pharmaceutical sector (including prescription drugs, consumer health care, and injectables), alongside the food and beverage markets.

📈 AptarGroup (ATR) stock price

$132.86-4.3% over range
Aug 28, 25low $111.94 · high $145.72Aug 27, 26
📏 Click 2 points (left → right) to measure the change · click again to clear.
SellBuy
Buy
100% recommend buying · 1 analysts
📊 JPI status : AptarGroup has never appeared in a JPI ranking (Fair or Risk +) — our methods haven't picked it to date. See the selected stocks →

🎯 ATR price target & analyst consensusprice $133

The price target · all analysts combined (1 targets)
Highest target · 1 firm of 1$155+16.7%
Median target · of 1 targets$155+16.7%
Lowest target · 1 firm of 1$155+16.7%
Current price$132.86
⭐ What the most reliable analysts say

No reliable analyst is bullish on this stock right now. A “reliable” analyst is a firm that, on this sector, hits more than 55% of its targets and beats its sector. None of them sees upside here — which is exactly why this stock is in no JPI selection.

The consensus · 1 ratings (last 6 months)
Strong Buy00%
Buy1100%
Hold00%
Sell00%
Strong Sell00%
Go deeper on the analysts
All analysts (the consensus)  ·  vs  ·  the best (those who've been right)
💬 A question about AptarGroup? The JPI assistant answers using our backtest data.

💰 AptarGroup dividend: yield, history & growth › open the full page

1.51%annual yield
🏆 Aristocrat32 yrs of consecutive dividend increases
That's ~$1.89 per share per year.

📈 AptarGroup fundamentals: valuation, margins & growth › open the full page

P/E 24.4Net margin 9.2 %Revenue growth +6.3 %Average P/E

Revenue, net income and margin per year

Revenue Net income · hover a bar for details
2022
marg. 7 %
2023
Rev +5%Profit +19%
2024
Rev +3%Profit +32%
2025
Rev +5%Profit +5%

🔎 Detailed analyses

🏛️ Which US Congress members hold AptarGroup (ATR)?

1 Congress member has disclosed ATR buys. Click a highlighted name to see their track record (do they beat the S&P 500?).
Bradley Schneider
→ Full members ranking (who beats the market)

✅ Historical analyst reliability on ATR

Hit rate measured on targets already matured (12 months), replayed against real prices. Click a header to sort.

Firm % right i Gain vs sector i Calls i
B of A Securities  83% +9.1% 6
BMO Capital  75% +10.1% 4
Baird  75% +6.3% 8
Wells Fargo  64% +7.1% 22
Jefferies  50% +6.6% 2
Deutsche Bank  50% +4.3% 8
Morgan Stanley  50% +1.4% 2
Raymond James  0% -10.8% 5
Vertical Research 0% -16.8% 2
Goldman Sachs  0% -20.9% 3

📊 What $1,000 invested in AptarGroup would be worth › open the full page

In short — $1,000 invested in AptarGroup 10 years ago would be worth $1,723 today, i.e. +6%/yr on average. Best year: 2024 (+27%), worst: 2025 (-22%). Price performance, excluding dividends.

If I'd invested $1,000 in AptarGroup

InvestmentWorth todayGain
1 years ago$797-20%
3 years ago$1,138+14%
5 years ago$915-9%
→ See AptarGroup's full return history + gain calculator

Return by year (AptarGroup)

YearReturn$1,000 invested at year start
2026 (YTD)+3%$1,027 (+3%)
2025-22%$797 (-20%)
2024+27%$1,013 (+1%)
→ See AptarGroup's full return history + gain calculator
⚠️ Past performance, not predictive nor advice. Prices in $, excluding dividends. Yahoo Finance data.

📰 Recent news on AptarGroup

Loading news…

📋 All analyst calls on ATR

Wells Fargo 
Aug 3, 26
▲ Overweight · 🎯$155
Price at call : $136.18 — upside +14%
Today : $132.86 — upside +17%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : Aug 3, 27
Wells Fargo 
May 4, 26
▲ Overweight · 🎯$145
Price at call : $122.03 — upside +19%
Today : $132.86 — upside +9%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : May 4, 27
Wells Fargo 
Mar 20, 26
▲ Overweight · 🎯$144
Price at call : $124.14 — upside +16%
Today : $132.86 — upside +8%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : Mar 20, 27
Wells Fargo 
Jan 6, 26
■ Equal-Weight neutral · not a buy · 🎯$133
Price at call : $120.56 — gap to target +10%
Today : $132.86 — gap to target +0%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : Jan 6, 27
Wells Fargo 
Nov 3, 25
▲ Overweight · 🎯$133
Price at call : $113.12 — upside +18%
Today : $132.86 — upside +0%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : Nov 3, 26
Baird 
Nov 3, 25
▲ Outperform · 🎯$145
Price at call : $113.12 — upside +28%
Today : $132.86 — upside +9%
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
in progress (365j)
matures : Nov 3, 26
Wells Fargo 
Sep 10, 25
▲ Overweight · 🎯$152
Price at call : $136.25 — upside +12%
Today : $132.86 — upside +14%
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
in progress (365j)
matures : Sep 10, 26
Keybanc 
Sep 4, 25
▲ Overweight · 🎯$220
Price at call : $138.46 — upside +59%
Today : $132.86 — upside +66%
🎯 on ATR : no call matured yet · 📊 on Materials : 50.4% · +2.8% (129 calls)
in progress (365j)
matures : Sep 4, 26
See the other 42 calls, newest to oldest
Wells Fargo 
Aug 4, 25
▲ Overweight · 🎯$153
Price at call : $140.22 — upside +9%
Today : $132.86 — upside +15%
Expected +9% · Actual -2% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-2.5%
stock -2% · XLB +19%
matured Aug 4, 26
Raymond James 
Aug 4, 25
▲ Outperform · 🎯$172
Price at call : $139.13 — upside +24%
Today : $132.86 — upside +29%
Expected +24% · Actual -2% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (5 calls matureds) · 📊 on Materials : 40.7% · -6.8% (81 calls)
-2.1%
stock -2% · XLB +18%
matured Aug 4, 26
Wells Fargo 
Jul 18, 25
▲ Overweight · 🎯$173
Price at call : $155.45 — upside +11%
Today : $132.86 — upside +30%
Expected +11% · Actual -16% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-16.4%
stock -16% · XLB +10%
matured Jul 18, 26
Raymond James 
Jul 15, 25
▲ Outperform · 🎯$182
Price at call : $154.98 — upside +17%
Today : $132.86 — upside +37%
Expected +17% · Actual -13% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (5 calls matureds) · 📊 on Materials : 40.7% · -6.8% (81 calls)
-13.1%
stock -13% · XLB +14%
matured Jul 15, 26
Wells Fargo 
May 6, 25
▲ Overweight · 🎯$170
Price at call : $151.39 — upside +12%
Today : $132.86 — upside +28%
Expected +12% · Actual -17% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-17.4%
stock -17% · XLB +24%
matured May 6, 26
Raymond James 
Apr 22, 25
▲ Outperform · 🎯$175
Price at call : $148.05 — upside +18%
Today : $132.86 — upside +32%
Expected +18% · Actual -16% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (5 calls matureds) · 📊 on Materials : 40.7% · -6.8% (81 calls)
-15.6%
stock -16% · XLB +27%
matured Apr 22, 26
Raymond James 
Feb 10, 25
▲ Outperform · 🎯$190
Price at call : $142.29 — upside +34%
Today : $132.86 — upside +43%
Expected +34% · Actual -2% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (5 calls matureds) · 📊 on Materials : 40.7% · -6.8% (81 calls)
-1.6%
stock -2% · XLB +20%
matured Feb 10, 26
Wells Fargo 
Feb 10, 25
▲ Overweight · 🎯$170
Price at call : $142.29 — upside +19%
Today : $132.86 — upside +28%
Expected +19% · Actual -2% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-1.6%
stock -2% · XLB +20%
matured Feb 10, 26
Baird 
Feb 10, 25
▲ Outperform · 🎯$160
Price at call : $143.28 — upside +12%
Today : $132.86 — upside +20%
Expected +12% · Actual -2% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
-2.2%
stock -2% · XLB +19%
matured Feb 10, 26
Raymond James 
Jan 7, 25
▲ Outperform · 🎯$200
Price at call : $153.43 — upside +30%
Today : $132.86 — upside +51%
Expected +30% · Actual -22% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (5 calls matureds) · 📊 on Materials : 40.7% · -6.8% (81 calls)
-21.5%
stock -22% · XLB +12%
matured Jan 7, 26
Wells Fargo 
Jan 6, 25
▲ Overweight · 🎯$180
Price at call : $153.43 — upside +17%
Today : $132.86 — upside +35%
Expected +17% · Actual -22% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-21.5%
stock -22% · XLB +12%
matured Jan 6, 26
Baird 
Oct 28, 24
▲ Outperform · 🎯$185
Price at call : $169.1 — upside +9%
Today : $132.86 — upside +39%
Expected +9% · Actual -24% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
-24.3%
stock -24% · XLB -6%
matured Oct 28, 25
Wells Fargo 
Oct 15, 24
▲ Overweight · 🎯$185
Price at call : $166.04 — upside +11%
Today : $132.86 — upside +39%
Expected +11% · Actual -22% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-22.2%
stock -22% · XLB -9%
matured Oct 15, 25
Jefferies 
Oct 14, 24
▲ Buy · 🎯$215
Price at call : $167.19 — upside +29%
Today : $132.86 — upside +62%
Expected +29% · Actual -22% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 0% (1 call matured) · 📊 on Materials : 51.1% · +1.9% (90 calls)
-22.4%
stock -22% · XLB -8%
matured Oct 14, 25
Wells Fargo 
Jul 17, 24
▲ Overweight · 🎯$168
Price at call : $146.28 — upside +15%
Today : $132.86 — upside +26%
Expected +15% · Actual +7% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+6.9%
stock +7% · XLB -1%
matured Jul 17, 25
Wells Fargo 
Apr 29, 24
▲ Overweight · 🎯$163
Price at call : $144.38 — upside +13%
Today : $132.86 — upside +23%
Expected +13% · Actual +4% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+3.9%
stock +4% · XLB -5%
matured Apr 29, 25
William Blair 
Apr 29, 24
▲ Outperform
Actual +4% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 100% (1 call matured) · 📊 overall : 49.1% · +14.7% (112 calls)
+3.9%
stock +4% · XLB -5%
matured Apr 29, 25
Baird 
Apr 29, 24
▲ Outperform · 🎯$170
Price at call : $146.38 — upside +16%
Today : $132.86 — upside +28%
Expected +16% · Actual +3% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
+2.7%
stock +3% · XLB -8%
matured Apr 29, 25
Wells Fargo 
Mar 7, 24
▲ Overweight · 🎯$160
Price at call : $144.65 — upside +11%
Today : $132.86 — upside +20%
Expected +11% · Actual +6% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+5.6%
stock +6% · XLB -2%
matured Mar 7, 25
Baird 
Jan 3, 24
▲ Outperform · 🎯$150
Price at call : $125.36 — upside +20%
Today : $132.86 — upside +13%
Expected +20% · Actual +23% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
+23.0%
stock +23% · XLB -1%
matured Jan 2, 25
Wells Fargo 
Sep 11, 23
▲ Overweight · 🎯$152
Price at call : $126.53 — upside +20%
Today : $132.86 — upside +14%
Expected +20% · Actual +19% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+19.2%
stock +19% · XLB +11%
matured Sep 10, 24
Wells Fargo 
Jul 17, 23
▲ Overweight · 🎯$139
Price at call : $119.26 — upside +17%
Today : $132.86 — upside +5%
Expected +17% · Actual +21% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+21.2%
stock +21% · XLB +10%
matured Jul 16, 24
Deutsche Bank 
May 1, 23
▲ Buy · 🎯$134
Price at call : $120.48 — upside +11%
Today : $132.86 — upside +1%
Expected +11% · Actual +21% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 47.2% · -1.5% (106 calls)
+20.7%
stock +21% · XLB +12%
matured Apr 30, 24
Wells Fargo 
May 1, 23
▲ Overweight · 🎯$134
Price at call : $121.64 — upside +10%
Today : $132.86 — upside +1%
Expected +10% · Actual +19% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+18.7%
stock +19% · XLB +10%
matured Apr 30, 24
Baird 
May 1, 23
■ Neutral neutral · not a buy · 🎯$125
Price at call : $121.64 — gap to target +3%
Today : $132.86 — gap to target -6%
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
in progress (365j)
matures : Apr 30, 24
▲ Buy · 🎯$152
Price at call : $119.03 — upside +28%
Today : $132.86 — upside +14%
Expected +28% · Actual +17% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 100% (1 call matured) · 📊 on Materials : 48.6% · -0.9% (148 calls)
+17.1%
stock +17% · XLB +9%
matured Apr 19, 24
Wells Fargo 
Feb 21, 23
▲ Overweight · 🎯$132
Price at call : $115.08 — upside +15%
Today : $132.86 — upside -1%
Expected +15% · Actual +22% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+21.6%
stock +22% · XLB +7%
matured Feb 21, 24
Baird 
Feb 21, 23
■ Neutral neutral · not a buy · 🎯$115
Price at call : $115.08 — gap to target -0%
Today : $132.86 — gap to target -13%
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
in progress (365j)
matures : Feb 21, 24
Deutsche Bank 
Feb 21, 23
▲ Buy · 🎯$130
Price at call : $115.08 — upside +13%
Today : $132.86 — upside -2%
Expected +13% · Actual +22% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 47.2% · -1.5% (106 calls)
+21.6%
stock +22% · XLB +7%
matured Feb 21, 24
Wells Fargo 
Jan 9, 23
▲ Overweight · 🎯$121
Price at call : $113.43 — upside +7%
Today : $132.86 — upside -9%
Expected +7% · Actual +10% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+10.4%
stock +10% · XLB +2%
matured Jan 9, 24
Wells Fargo 
Nov 1, 22
▲ Overweight · 🎯$109
Price at call : $97.22 — upside +12%
Today : $132.86 — upside -18%
Expected +12% · Actual +26% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+26.5%
stock +26% · XLB +2%
matured Nov 1, 23
Morgan Stanley 
Oct 18, 22
■ Equal-Weight neutral · not a buy · 🎯$110
Price at call : $98.21 — gap to target +12%
Today : $132.86 — gap to target -17%
🎯 on ATR : no call matured yet · 📊 on Materials : 45.5% · +3.9% (88 calls)
in progress (365j)
matures : Oct 18, 23
Wells Fargo 
Oct 12, 22
▲ Overweight · 🎯$112
Price at call : $93.37 — upside +20%
Today : $132.86 — upside -16%
Expected +20% · Actual +34% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+34.3%
stock +34% · XLB +14%
matured Oct 12, 23
■ Equal-Weight neutral · not a buy · 🎯$120
Price at call : $106.59 — gap to target +13%
Today : $132.86 — gap to target -10%
🎯 on ATR : no call matured yet · 📊 on Materials : 45.5% · +3.9% (88 calls)
in progress (365j)
matures : Aug 2, 23
Baird 
Aug 1, 22
■ Neutral neutral · not a buy · 🎯$110
Price at call : $106.59 — gap to target +3%
Today : $132.86 — gap to target -17%
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
in progress (365j)
matures : Aug 1, 23
Wells Fargo 
Jul 18, 22
▲ Overweight · 🎯$125
Price at call : $101.03 — upside +24%
Today : $132.86 — upside -6%
Expected +24% · Actual +18% · Reason (≥ +15%) : ✓ Yes
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+17.9%
stock +18% · XLB +12%
matured Jul 18, 23
Wells Fargo 
May 2, 22
▲ Overweight · 🎯$150
Price at call : $113.39 — upside +32%
Today : $132.86 — upside +13%
Expected +32% · Actual +6% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
+6.3%
stock +6% · XLB -6%
matured May 2, 23
Morgan Stanley 
Jan 20, 22
■ Equal-Weight neutral · not a buy · 🎯$126
Price at call : $118.83 — gap to target +6%
Today : $132.86 — gap to target -5%
🎯 on ATR : no call matured yet · 📊 on Materials : 45.5% · +3.9% (88 calls)
in progress (365j)
matures : Jan 20, 23
Wells Fargo 
Dec 22, 21
▲ Overweight · 🎯$156
Price at call : $115.39 — upside +35%
Today : $132.86 — upside +17%
Expected +35% · Actual -6% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 63% (19 calls matureds) · 📊 on Materials : 40.3% · -5.0% (181 calls)
-5.9%
stock -6% · XLB -11%
matured Dec 22, 22
Deutsche Bank 
Dec 20, 21
▲ Buy · 🎯$145
Price at call : $113.67 — upside +28%
Today : $132.86 — upside +9%
Expected +28% · Actual -6% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 47.2% · -1.5% (106 calls)
-5.8%
stock -6% · XLB -9%
matured Dec 20, 22
Deutsche Bank 
Nov 1, 21
▲ Buy · 🎯$148
Price at call : $127.4 — upside +16%
Today : $132.86 — upside +11%
Expected +16% · Actual -26% · Reason (≥ +15%) : ✗ No
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 47.2% · -1.5% (106 calls)
-25.6%
stock -26% · XLB -16%
matured Nov 1, 22
Baird 
Sep 13, 21
■ Neutral neutral · not a buy · 🎯$135
Price at call : $124.76 — gap to target +8%
Today : $132.86 — gap to target +2%
🎯 on ATR : 50% (4 calls matureds) · 📊 on Materials : 51.3% · +17.7% (39 calls)
in progress (365j)
matures : Sep 13, 22

Frequently asked questions

Should I buy AptarGroup stock?

This isn't buy advice. For AptarGroup, the analyst consensus is "Buy", with an average price target of $155 (+17% vs the current price). What matters is their past reliability on this stock: the most reliable one is right 83% of the time (6 calls tracked on AptarGroup). We show the numbers — you decide.

Is it too late to buy AptarGroup? How high can it go?

The most bullish analyst target on AptarGroup is $155 (+17% above today's price); the average is $155. That's the upside they see. Check how reliable those analysts have actually been on AptarGroup on our site before trusting it.

Is AptarGroup still a good buy?

The most useful "opinion" isn't an opinion — it's a track record: 10 analysts have a real record on AptarGroup, the best hitting 83% over 6 calls. Current consensus: "Buy". Make your call on data, not noise.

What has AptarGroup's past performance been?

Historical returns and a "how much if I had invested" calculator: ATR performance & returns.

Does AptarGroup pay a dividend?

Yield, consistency and growth history of the dividend: ATR's dividend.

Other Materials stocks

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JPI AI Analyst AI assistant · JPI Invest
Answers based on the tool’s data · not financial advice · full version (free)