CommonSense InvestSense
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CommonSense InvestSense- The AMVR™ Worksheet May 23, 2018DISCLAIMER The AMVR™ Worksheet is an analytical tool that investors, fiduciaries and attorneys can use to evaluate the cost-efficiency of actively managed mutual funds. Various studies have found that the cost-efficiency of a mutual fund, particularly its annual expense ratio … 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
- Controlling the Controllable: Factoring Investment Costs Into the Prudence/Suitability Equation May 10, 2017Facts do not cease to exist because they are ignored. – Aldous Huxley In an earlier post, I discussed the benefits of controlling the controllable aspects of investing. Investors cannot control the performance of the markets. Investment fiduciaries are not … Continue reading →investsense
- Investor Alert: Variable Annuities and Fixed Indexed Annuities April 8, 2017The Department of Labor announced the other day that it was delaying the effectiveness of certain part of their new fiduciary rule for 60 days. This delay was essentially requested by the Trump administration in order to evaluate the fairness … Continue reading →investsense
- 3 Key (But Often Overlooked) Mutual Fund Return Statistics March 4, 2017Anyone who knows me knows that the minute I see a “Top” or “Best” list with regards to financial advisers or investments, I immediately want to do a detailed forensic analysis to substantiate or disprove such claims. As a plaintiff’s … Continue reading →investsense
- Investor Self-Protection Guide 2017 February 18, 2017As a securities/ERISA attorney, Certified Financial Planner® professional and an Accredited Wealth Management Advisor®, I am interested in providing the public with quality financial advice and helping to address the ongoing problem of financial abuse and fraud. One of the … Continue reading →investsense
- The AMVR™ Worksheet May 23, 2018
Category Archives: Asset Protection
The AMVR™ Worksheet
DISCLAIMER The AMVR™ Worksheet is an analytical tool that investors, fiduciaries and attorneys can use to evaluate the cost-efficiency of actively managed mutual funds. Various studies have found that the cost-efficiency of a mutual fund, particularly its annual expense ratio … Continue reading
Posted in Active Management Value Ratio, AMVR, Asset Protection, Closet Index Funds, Consumer Protection, DOL fiduciary rule, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, asset protection, Closet Index Funds, Consumer Protection, ERISA, Fiduciary, financial planning, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, Pension Planning, Pensions, retirement plan participants, retirement planning, wealth management, wealth preservation
Controlling the Controllable: Factoring Investment Costs Into the Prudence/Suitability Equation
Facts do not cease to exist because they are ignored. – Aldous Huxley In an earlier post, I discussed the benefits of controlling the controllable aspects of investing. Investors cannot control the performance of the markets. Investment fiduciaries are not … Continue reading
Posted in Asset Protection, Closet Index Funds, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, Closet Index Funds, Fiduciary, investing, investment advisors, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
Investor Alert: Variable Annuities and Fixed Indexed Annuities
The Department of Labor announced the other day that it was delaying the effectiveness of certain part of their new fiduciary rule for 60 days. This delay was essentially requested by the Trump administration in order to evaluate the fairness … Continue reading
Posted in Asset Protection, Consumer Protection, Consumer Rights, Equity Indexed Annuities, Estate Planning, Fiduciary, Fixed Indexed Annuities, Investment Advice, Investment Advisors, Investor Protection, IRA, pension plans, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Advice, black box investment fraud, Consumer Protection, Equity Indexed Annuities, estate planning, Fiduciary, financial planning, Fixed Indexed Annuities, investing, investment advice, investment advisors, investment portfolios, investment scams, investor protection, IRAs, portfolio construction, retirement plan participants, retirement planning, stockbrokers, variable annuities, variable annuity abuse, wealth management, wealth preservation
3 Key (But Often Overlooked) Mutual Fund Return Statistics
Anyone who knows me knows that the minute I see a “Top” or “Best” list with regards to financial advisers or investments, I immediately want to do a detailed forensic analysis to substantiate or disprove such claims. As a plaintiff’s … Continue reading
Posted in Absolute Returns, Asset Protection, Closet Index Funds, Common Sense, Consumer Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Preservation
Tagged 401k, 401k Investing, Absolute Returns, Advice, asset protection, Closet Index Funds, Consumer Protection, Fiduciary, financial interests, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, Pensions, portfolio construction, retirement distribution planning, retirement plan participants, retirement planning, wealth management, wealth preservation
Investor Self-Protection Guide 2017
As a securities/ERISA attorney, Certified Financial Planner® professional and an Accredited Wealth Management Advisor®, I am interested in providing the public with quality financial advice and helping to address the ongoing problem of financial abuse and fraud. One of the … Continue reading
Posted in Asset Protection, Closet Index Funds, Common Sense, Consumer Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, Portfolio Construction, portfolio planning, Portfolio Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, abusive practices, Active Management Value Ratio, Advice, black box investment fraud, Closet Index Funds, Consumer Protection, investment advice, investment advisors, investment scams, investments, investor protection, InvestSense, IRAs, portfolio construction, variable annuities, variable annuity abuse, wealth management, wealth preservation
Promoting “Financial Wellness” and “Retirement Readiness”
Two of the hot buzzwords today in the financial media are “financial wellness” and “retirement readiness.” While many people consider financial and investing matters confusing and intimidating, the truth is that people can simplify most matters and still be successful. … Continue reading
Posted in Absolute Returns, Asset Protection, Integrated Estate Planning, Investment Advice, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Absolute Returns, Active Management Value Ratio, Advice, black box investment fraud, Closet Index Funds, financial interests, financial planning, investment portfolios, investments, portfolio construction, retirement planning, variable annuities, wealth management, wealth preservation
Special Report: Empowering Teachers for Retirement Readiness
Let’s get straight to the point – teachers at all levels have gotten, and continue to get, inequitable treatment when it comes to options to allow them to become “retirement ready.” My sister-in-law was an assistant principal in a local … Continue reading
Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), 457(b), abusive practices, Active Management Value Ratio, Closet Index Funds, Fiduciary, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investor protection, Pension Planning, portfolio construction, retirement plan participants, retirement planning, teachers, variable annuities, variable annuity abuse, wealth management, wealth preservation
