Category Archives: Investment Portfolios

1+1=34: A Step-by-Step Guide to Wealth Management and Preservation Using the Active Management Value Ratio

In a recent Wall Street Journal article, Jason Zweig discussed the lack of transparency with regard to financial advisers.1 While I agree with his assessment, I believe that he may have actually underestimated the damage resulting from such lack of … Continue reading

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Posted in 401k, Active Management Value Ratio, AMVR, Best Interests, Consumer Protection, cost efficient investing, cost-effficiency, ERISA, Fiduciary, fiduciary prudence, fiduciary responsibility, Fiduciary Standard, investing, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, investments, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , | Leave a comment

“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

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

“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

Upon Further Review-Rethinking the Investment Decision-Making Process

In college, my minor was psychology. My thesis was on heuristics, cognitive biases, and the decision-making process. I have always been fascinated by the way the mind works. Nobel Laureate Daniel Kahneman’s best seller, “Thinking Fast and Slow,” offers a … Continue reading

Posted in 401k, Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Protection, cost efficient investing, cost-effficiency, financial planning, investing, Investment Advice, Investment Advisors, Investment Portfolios, investments, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | 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 – 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

REAL Wealth Management-2021

I originally ran this series back in 2013. The series has proven to be among the blog’s most popular posts. So we are going to update the original posts and re-run the entire series. Today we address the ongoing “wealth … Continue reading

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

DIY Investor and Fiduciary Protection Strategies: 4Q 2020 401(k) Top 10 AMVR Analysis

For the first new blog post since our blog and domain name were recovered, I figured it was only appropriate to re-christen the blog with our popular quarterly “cheat sheet” of the top non-index mutual funds in U.S. 401(k) plans. … Continue reading

Posted in Active Management Value Ratio, AMVR, cost-effficiency, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, Retirement Plan Participants, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Leave a comment

“Humble Arithmetic,” Prudence, and Successful Investing – 2019

Facts do not cease to exist because they are ignored. – Aldous Huxley In 2005, the late John Bogle, of Vanguard fame, spoke at the 60th anniversary conference of the Financial Analysts Journal. Mr. Bogle’s presentation, entitled “The Relentless Rules … Continue reading

Posted in Investment Portfolios, Portfolio Construction, portfolio planning, Retirement Distribution Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , | Leave a comment

CommonSense InvestSense About…Returns

As an attorney that specializes in wealth management/preservation and asset protection, I often see investors who have suffered unnecessary financial losses due to poorly designed and/or poorly managed investment portfolios. This is especially troubling, for as legendary investment expert Benjamin … Continue reading

Posted in Closet Index Funds, Consumer Protection, Investment Advice, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , | Leave a comment