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: 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
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Wells Fargo, Bank Cross-Selling and Your Right to Privacy
By now, most people are familiar with Wells Fargo and the illegal activities they engaged in by creating fictitious accounts to misrepresent their financial operations. What Wells Fargo did is wrong for a number of reasons, including inflating the price … Continue reading
Posted in Asset Protection, Consumer Protection, Consumer Rights, Investment Advice, Investor Protection, Life Advice, Right to Privacy, Variable Annuities, Wealth Management, Wealth Preservation
Tagged abusive practices, Consumer Protection, consumer right, financial interests, investor protection, Right to Privacy, wealth management, wealth preservation
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CommonSense InvestSense – Account Management 2016
“Don’t gamble. Take all your savings and buy some good stock and hold it ’til it goes up then sell it. If it don’t go up, don’t buy it. Will Rogers If only it were that easy. While no one … Continue reading
Posted in Absolute Returns, Asset Protection, Closet Index Funds, Common Sense, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Variable Annuities, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, asset protection, Closet Index Funds, financial interests, financial planning, investing, investment advice, investment portfolios, investments, portfolio construction, retirement planning, variable annuities, wealth management, wealth preservation
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New eBook Now Available
My new eBook, “CommonSense InvestSense: New Strategies for Accumulating and Preserving Wealth,” is now available at amazon.com.
Posted in Common Sense, Investment Advisors, Investment Portfolios, Investor Protection, IRA, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, Closet Index Funds, financial planning, investment advice, investment portfolios, investments, investor protection, IRAs, portfolio construction, retirement distribution planning, retirement plan participants, retirement planning, variable annuities, variable annuity abuse, wealth distribution, wealth management, wealth preservation
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Three Return “Secrets” to Improved Investment Performance: Interpreting Investment Returns
A 2007 study by Schwab Institutional estimated that approximately 75 percent of investor accounts they studied were unsuitable as being inconsistent with either an investor’s financial goals or financial needs. While one might expect widespread denial of the study’s findings, … Continue reading
Posted in Absolute Returns, Closet Index Funds, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Absolute Returns, Active Management Value Ratio, Advice, Closet Index Funds, financial interests, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investor protection, portfolio construction, stockbrokers, wealth management, wealth preservation
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Is Your 401(k) or 403(b) Really Protecting Your Best Interests?
Facts do not cease to exist because they are ignored. Aldous Huxley I have seen a number of articles recently online and in the trade publication I receive talking about “retirement readiness,”how to better prepare a plan’s participants for a … Continue reading
Posted in Common Sense, ERISA, Fiduciary, Investment Advice, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Fiduciary, financial planning, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management
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Four Things Every Investor and Fiduciary Should Remember-2016
The abundance of investment products and investment information available today can be intimidating and confusing to many investors, both novice and professional. Without question, the most common questions I get from people are how to properly manage their investment portfolios … Continue reading
Posted in Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, portfolio planning, Portfolio Planning, Retirement Planning, Variable Annuities, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged Active Management Value Ratio, Advice, Fiduciary, financial interests, financial planning, investing, investment advice, investment advisors, investment portfolios, investor protection, portfolio construction, retirement plan participants, retirement planning, stockbrokers, variable annuities, wealth management, wealth preservation
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James W. Watkins, III, quoted in new 401(k) article
I was recently quoted in an article addressing best practices of leading 401(k) plans. The article raises a number of relevant issues regarding providing a meaningful plan to help plan participants accomplish their financial goals. The article, “Is your 401(k) … Continue reading
Posted in Common Sense, ERISA, Fiduciary, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, portfolio planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, asset protection, Fiduciary, financial planning, investing, investment advice, investment portfolios, Pension Planning, retirement plan participants, retirement planning, wealth preservation
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The Coming Storm: Fundamental Retirement Fairness for Educators
In the world of pension investments, TIAA-CREF is generally acknowledged as the “600 pound gorilla,” at least with regard to universities and other higher education institutions. So I was somewhat surprised when a colleague sent me an article, written by … Continue reading
Posted in ERISA, Fiduciary, Investment Advice, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, Advice, Fiduciary, financial interests, financial planning, investing, investment advice, investment advisors, investment portfolios, investments, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management
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Insurance Companies and Payments to Beneficiaries
From time to time I find interesting and relevant articles online that I post to various social media sites, except my blog. Makes no sense, since purpose of this blog is to provide meaningful wealth management information to help consumers … Continue reading
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