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CommonSense InvestSense- Variable Annuities: Reading Between the Marketing Lines April 21, 2021Variable Annuities:Reading Between the Marketing Lines James W. Watkins, III, J.D., CFP®, AWMA®CEO/Managing MemberInvestSense, LLC “Variable annuities are one of the most overhyped, most oversold, and least understood investment products.” A popular investment industry saying is that “annuities are sold, not … Continue reading →investsense
- Cost-Efficiency and Common Sense: Simple Factors in Improving the Accumulation and Preservation of Wealth January 29, 2021Section 7 of the Uniform Prudent Investors Act (UPIA) states that “[w]asting beneficiaries’ money is imprudent.” While the UPIA is directed at trustees and the management of trust assets, common sense tells you that the warning is equally applicable to … Continue reading →investsense
- DIY Investor and Fiduciary Protection Strategies: 4Q 2020 401(k) Top 10 AMVR Analysis January 4, 2021For 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 →investsense
- “Humble Arithmetic,” Prudence, and Successful Investing – 2019 December 2, 2019Facts 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 →investsense
- Full Disclosure: The Art of Reading and Interpreting Mutual Fund Ads November 26, 2019One of the most frequent questions I receive is how to effectively read and interpret mutual fund advertisements. I receive this question not only from individual investors, but from professional investment fiduciaries, such as pension plan sponsors, and securities/ERISA attorneys. … Continue reading →investsense
- Investor, Protect Thyself: The InvestSense Investor Self-Defense Strategy October 15, 2019During his term as Chairman of the Securities and Exchange Commission (SEC).(1993-2001), Arthur Levitt focused more on investor protection than perhaps any other recent SEC Chairman. His advice from a1999 speech, “Financial Self-Defense: Tips From and SEC Insider,” is still … Continue reading →investsense
- Investopedia Top 100 Most Influential Financial Advisor Honor August 15, 2019Honored to be named by Investopedia as one of the Top 100 Financial Advisors for 2019. Unlike a lot of other “top” lists, Investopedia bases its selection largely on criteria such as contributions to online media to educate investors on … Continue reading →investsense
- One Step to Building More Effective, and Safer, Investment Portfolios July 27, 2019What is the first factor an investor or investment fiduciary, such as a pension plan sponsor, should consider in evaluating an actively managed mutual? Most people’s answer would probably be a fund’s returns or the number of Morningstar “stars” given … Continue reading →investsense
- CommonSense InvestSense About…Returns July 20, 2019As 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 →investsense
- Sound Investment Advice from Jack Bogle…Again May 5, 2019Why write anything? Mr. Bogle says it all. https://www.yahoo.com/finance/news/vanguard-founder-jack-bogle-apos-194408395.htmlinvestsense
- Variable Annuities: Reading Between the Marketing Lines April 21, 2021
Awesome Article and I agree. I have been in the business for almost thrity years and never found a need to sell a VA or EIA. LTC and Life yes, but these other products benefit the insurance company and agent only. I had the opportunity to review a 6M va that the client was totally upside down in and could not do anything for him to stop the bleeding. I did recommend that he report the agent to the State Insurance Commissioner and SEC compliance…. I work closely with the seniors in our area and they are often mislead. Wealth Management and Wealth insurance risk management is an art, that does require skills, ethics, and the ability to see beyond the fact that they can usually afford others follies…just because they have money they should not be subject to this foolishness… Thanks for the article…
Beverly E. Cox