CommonSense InvestSense
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CommonSense InvestSense- Is Your 401(k) Plan Truly Acting in the Best Interests of the Plan Participants?: Evaluating Your 401(k) Plan with the Active Management Value Ratio and Fiduciary Prudence Forensics
- InvestSense 101: Assets Under Management…or Mismanagement? – Separating Fact From Fiction
- Battle of the Best Interests: Why the Financial Services Industry Opposes a True Fiduciary Standard and Genuine Investor Protection
- 1+1=34: A Step-by-Step Guide to Wealth Management and Preservation Using the Active Management Value Ratio
- At What Cost?: Annuities, Cryptocurrency, and 401(k) Plans
- “CommonSense InvestSense”- Simplifying Prudent Investing with the Active Management Value Ratio™
- “At What Cost” – Annuities and Cryptocurrency vs. Wealth Preservation and Investor Protection
- “The Lie of the Pie” – Mutual Fund Marketing “Trickeration”
- Upon Further Review-Rethinking the Investment Decision-Making Process
- The Active Management Value Ratio™ 3.0: Maximizing Cost-Efficiency to Improve Investment Returns and Wealth Preservation
Category Archives: Portfolio Planning
Wealth Preservation Saboteurs
“Get what you can and keep what you have; that’s the way to get rich.” Scottish Proverb In a series of earlier posts, I discussed the three planning areas that I believe constitute real wealth management – wealth accumulation, wealth … Continue reading
Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, asset protection, black box investment fraud, financial planning, investing, investment portfolios, investments, investor protection, InvestSense, Pension Planning, portfolio construction, retirement plan participants, retirement planning, wealth preservation
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REAL Wealth Management 2019- Preservation
When I tell people that I am a wealth preservation attorney, I often get the obligatory inquisitive look, followed by “what’s that” question. In my law practice, wealth preservation law covers several areas of the law, primarily wealth management, tax … Continue reading
Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Planning, Wealth Management, Wealth Preservation
Tagged asset protection, black box investment fraud, financial planning, investing, investment losses, investment portfolios, investment scams, investments, investor protection, InvestSense, portfolio construction, wealth management, wealth preservation, wealth recovery
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Dividend Investing vs. Variable Annuities
Excellent analysis of problems with variable annuities from the “Seeking Alpha” web site . Only thing missing is discussion of the use of inverse pricing on VA’s annual fees, producing windfall for VA issuer at expense of VA owner. “Seeking … Continue reading
Posted in Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Plan Participants, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged financial planning, investing, investment portfolios, investment scams, investments, investor protection, Pension Planning, portfolio construction, retirement planning, wealth management, wealth preservation
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Avoiding the “Missing the Ten Best Days” Ruse
Stockbrokers and investment advisors sometimes employ the “missing the best days in the market” ruse to convince investors to stay in the market, even when economic and market indicators suggest a more defensive strategy. In some cases, advice is simply to preserve … Continue reading
Posted in Asset Protection, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged 401k, abusive practices, asset protection, financial planning, investing, investment losses, investment portfolios, investments, investor protection, InvestSense, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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The Active Management Value Ratio™- Revealing the Undisclosed Cost of Actively Managed Mutual Funds
Despite overwhelming evidence that actively managed mutual funds generally underperform passively managed index funds, the evidence indicates that most investors continue to purchase and hold actively managed funds. Even when an actively managed fund does outperform its relevant index, the … Continue reading
Posted in Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged 401k, abusive practices, financial planning, investing, investment portfolios, investments, InvestSense, portfolio construction, retirement plan participants, retirement planning, wealth management
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A Simple Step to Better Protect Pension Plan Participants
Reviewing the reported trillion dollar losses that investors suffered during the 2000-2002 and 2008 bear markets, I cannot help but wonder how much of those losses were preventable, especially for 401k investors. 401k plans are increasingly opting for participant directed retirement plans … Continue reading
Special Alert-Barron’s “America’s Top 1000 Financial Advisors”
I am, and always have been, a huge fan of Barron’s. It is a great resource for investors and those having interests in the financial services industry. However, the “America’s Top 100 Financial Advisors” supplement in the February 20, 2012, issue has to … Continue reading
Posted in Asset Protection, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged investment advisors, investment scams, wealth management, wealth preservation
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The One Question Every Investor Should Always Ask
This week I had two referrals that prompted this post. In each case, I was asked to provide a pre-investment suitability analysis for fiduciaries involved in the cases. One case involved a trust for two children whose parents had died. … Continue reading
Posted in Asset Protection, Investment Portfolios, Investor Protection, Portfolio Construction, Portfolio Planning, Retirement Plan Participants, Retirement Planning
Tagged asset protection, financial planning, investing, investment portfolios, investments, investor protection, retirement planning, wealth management, wealth preservation
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New Investor Protection White Paper
With the new year comes the renewed debate for a universal fiduciary standard that would protect the public by requiring that anyone providing investment advice to the public must put the customer’s financial interests ahead of those of the adviser. … Continue reading
Posted in Investment Portfolios, Investor Protection, Portfolio Construction, Portfolio Planning, Retirement Planning, Wealth Preservation
Tagged abusive practices, asset protection, closing argument, financial interests, financial planning, investing, investment losses, investment portfolios, investor protection, InvestSense, stockbrokers, wealth management, wealth preservation
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Best Investment Book Recommendations
I’m often asked to recommend the “best” investment book for investors, especially at this time of the year. Where are a number of helpful investment books available, I always recommend “Winning the Loser’s Game: Timeless Strategies for Successful Investing” by Charles D. Ellis. Now … Continue reading
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