Author Archives: investsense

The Dangers of “Black Box” Financial Planning/Plans

Financial planning, when done properly, can be a valuable process to consumers. So say yes to the process of financial planning. However, when it comes to financial plans, avoid the inherent issues of “black box” financial planning and “canned” financial … Continue reading

Posted in financial planning, Wealth Management | Tagged | Leave a comment

3Q 2021 Top Ten 401(k) AMVR “Cheat Sheet”

Posted on October 3, 2021 by jwatkins When InvestSense prepares a forensic analysis for a 401(k)/403(b) pension plan, a trust, an attorney, or an institutional client, we always do an analysis over five and ten-year time periods to analyze the … Continue reading

Posted in 401k, Active Management Value Ratio, Closet Index Funds, cost-effficiency, ERISA, Fiduciary, fiduciary prudence, fiduciary responsibility, Uncategorized, Wealth Accumulation, Wealth Preservation | Tagged , , , , | Leave a comment

Remembering David Swensen: “The Mutual Fund Merry-Go-Round”

The late David Swensen was the well-known Chief Investment Officer of Yale University. He was also an outspoken advocate for investor protection. While performing some research for a brief, I ran across this op-ed, “The Mutual Fund Merry-Go-Round,” that David … Continue reading

Posted in Active Management Value Ratio, Consumer Protection, Investment Advice, Investor Protection, portfolio planning, Wealth Management, Wealth Preservation | Tagged , , , , , , | Leave a comment

Recent AMVR Twitter and LinkedIn post

While the DOL (“fiduciary”) and the SEC (“best interest”) debate their applicable standards, I suggest that cost-efficiency should be a key factor in whatever they decide. Even former SEC chairman Jay Clayton discussed the importance of cost-efficiency re “best interest.” … Continue reading

Posted in Uncategorized | Leave a comment

New InvestSense video: “The Active Management Value Ratio 4.0: What Investors and Investment Fiduciaries REALLY Need to Know About Wealth Accumulation and Preservation”

Posted in Uncategorized | Tagged , , , , , | Leave a comment

“‘Why’ – Investor Protection Made Simple”

=One of the most rewarding aspects of writing this blog and my books is when someone contacts you and thanks you for the information and advice that you provide. I recently had someone write and tell me that they have … Continue reading

Posted in Uncategorized | Tagged , , , , , , | Leave a comment

REAL Wealth Management 2021 – Wrap-Up

Over the past few days, I have written posts to discuss what I perceive to be the three true areas of comprehensive wealth management – accumulation, preservation/protection and distribution/transfer. While many financial professionals may claim to be wealth managers, a … Continue reading

Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

REAL Wealth Management 2021 – Wealth Distributions and Transfers

Today, we address what I consider to be the third aspect of a genuine wealth management program – distributions and transfers of one’s assets.  Distribution encompasses both transfers made while one is living, inter vivos transfers, and transfers made after … Continue reading

Posted in Estate Planning, Integrated Estate Planning, Uncategorized, Wealth Distribution, Wealth Management | Tagged , , , , | Leave a comment

REAL Wealth Management 2021 – Preservation

“Make as much money as you can and keep what you get. That’s the way to become rich.” – Scottish adage When I tell people that I am a wealth preservation attorney, I often get the obligatory inquisitive look, followed … Continue reading

Posted in Active Management Value Ratio, AMVR, Asset Protection, Estate Planning, Investment Advice, Portfolio Construction, portfolio planning, Retirement, Retirement Distribution Planning, Uncategorized, Wealth Management, Wealth Preservation, Wealth Recovery | Tagged , , , , , , , , | Leave a comment

REAL Wealth Management 2021 – Accumulation

As promised, over the next few days I will discuss what I believe are the three aspects of real wealth management – accumulation, protection/preservation and distribution.  Most of the posts and white papers on wealth management deal with the accumulation … Continue reading

Posted in Absolute Returns, Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Protection, Equity Indexed Annuities, Fixed Indexed Annuities, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, portfolio planning, Uncategorized, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment