Monthly Archives: August 2022

“CommonSense InvestSense”- Simplifying Prudent Investing with the Active Management Value Ratio™

Numerous studies have concluded that when it comes to investing, American are functionally financially illiterate. Despite these findings, ERISA, the primary legislation regulating American pension plans does not require that plan participants be provided with any sort of investment education. … Continue reading

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Posted in Active Management Value Ratio, AMVR, Consumer Protection, cost efficient investing, cost-effficiency, financial planning, investing, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, investments, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation | Tagged , , , , , , , , | Leave a comment

“At What Cost” – Annuities and Cryptocurrency vs. Wealth Preservation and Investor Protection

Annuity peddlers would have the public believe that all God’s children need an annuity. Plan sponsors are now confronted with the potential issues of including annuities and crypto currencies within a 401(k) plan. I believe that both assets are inappropriate … Continue reading

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“The Lie of the Pie” – Mutual Fund Marketing “Trickeration”

The financial services industry likes to use charts…a lot of charts. Attorneys do not like charts. Charts can be confusing and misleading, sometimes deliberately so. One judge told me that after I had argued the connection between charts and “weaseleze,” … Continue reading

Posted in 401k, Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Rights, cost efficient investing, cost-effficiency, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, investments, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , | Leave a comment