CommonSense InvestSense
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CommonSense InvestSense- Are Your 401(k) Plan’s Mutual Funds Legally Prudent? October 10, 2018“You get what you don’t pay for.” – John Bogle Full Disclosure and Total Transparency: I am an attorney. More specifically, I am a wealth preservation attorney and a plaintiff’s securities/ERISA attorney. I primarily offer forensic litigation and consulting services … Continue reading →investsense
- Variable Annuities: Estate Planning Saboteurs August 23, 2018As a wealth preservation attorney, my practice involves various areas of the law including investment portfolio analysis, asset protection, risk management and estate planning. Three primary wealth saboteurs are investment portfolio mismanagement, tax erosion, and personal liability exposure. I recently … Continue reading →investsense
- Setting the Record Straight on Asset Allocation July 21, 2018One of the “dirty little secrets” of the investment industry is to deliberately misrepresent the findings of a study on the importance of asset allocation. The study, commonly referred to as the BHB study after the three gentleman who conducted … Continue reading →investsense
- InvestSense’s Comments on SEC “Best Interest” Proposal July 20, 2018The Securities and Exchange Commission is currently seeking public comments on its “Best Interest” (BI) proposal. The proposal would reportedly provide a standard of conduct for anyone providing financial services to the public. The standard would supposedly protect investors from … Continue reading →investsense
- 1+1=33%, or the Myth of the 1% Annual Investment Fee July 11, 2018This post is going to be short and sweet, as I keep getting calls and emails from people who wonder why their portfolios are not performing as well as they think they should. In most cases, their portfolios are the … Continue reading →investsense
- The Active Management Value Ratio™ 3.0: Investment Returns and Wealth Preservation for Investors and Fiduciaries January 17, 2018Studies have consistently shown that people are more likely to understand and retain information that is conveyed visually rather than verbally or in print. I regularly receive requests for copies of the Powerpoint slides. So for those of you that … Continue reading →investsense
- Transparency Is the Best Disinfectant: Four Key Questions Every Investor and 401(k) Plan Participant Should Ask September 25, 2017Sunlight is the best disinfectant. – Justice Louis Brandeis The ongoing attempts by the Department of Labor (DOL) and Congress to delay or completely reverse the DOL’s fiduciary rule sends a clear message to pension plan sponsors and plan participants … Continue reading →investsense
- Wealth Preservation and Retirement Accounts July 14, 2017When I tell people that I am a wealth preservation attorney, they often respond by saying that they do not have enough money to need such services. Then I ask them whether they have a 401(k) account, an IRA or … Continue reading →investsense
- The New DOL Fiduciary Rule – Effective June 9, 2017 June 7, 2017On June 9, 2017, the Department of Labor’s (DOL) new fiduciary rule (Rule), or at least parts of same, go into effect for retirement plans covered by the Employees’ Retirement Income Security Act, commonly known as ERISA. The Rule was … Continue reading →investsense
- The Investor Revolution: A “Best Interests” Checklist for Investors and Fiduciaries May 28, 2017The DOL recently announced that it will not seek to delay the effective date of the department’s new fiduciary law. Beginning June 9, 2017, anyone providing advice to pension plans and plan participants will be deemed to be a fiduciary, … Continue reading →investsense
- Are Your 401(k) Plan’s Mutual Funds Legally Prudent? October 10, 2018
Monthly Archives: August 2013
Why Wall Street and Insurance Industry Oppose a Fiduciary Standard
Excellent article from Forbes and author John Wasik on the real reason that Wall Street and the insurance industry are fighting so hard to prevent the establish of a universal fiduciary standard. As usual, a battle of the best interests. … Continue reading
Posted in Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, abusive practices, asset protection, investment advice, investment portfolios, investments, investor protection, portfolio construction, wealth management, wealth preservation
CommonSense InvestSense: Accumulating and Preserving Wealth
Facts do not cease to exist because they are ignored – Aldous Huxley Your account is a brokerage account and not an advisory account. Our interests may not always be the same as yours. Please ask us questions to make … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, asset protection, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investment scams, investments, investor protection, InvestSense, portfolio construction, retirement planning, stockbrokers, wealth management, wealth preservation
A Matter of Trust and Wealth Preservation
As many people know, I have been a very outspoken advocate for a universal fiduciary standard for the financial services industry. As a securities/wealth preservation attorney and a former compliance director, I am well aware of the questionable practices that … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged abusive practices, Active Management Value Ratio, asset protection, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, portfolio construction, retirement planning, stockbrokers, wealth management, wealth preservation
