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CommonSense InvestSense- The “Secret” Morningstar January 13, 2019I love Morningstar. It is my primary research source. I enjoy the posts of their columnists. But unlike most investors who use Morningstar, I basically ignore their legendary “star” system. Morningstar itself has told investors that their star system is … Continue reading →investsense
- Are Your 401(k) Plan’s Mutual Funds Legally Prudent? October 10, 2018“You get what you don’t pay for.” – John Bogle Full Disclosure and Total Transparency: I am an attorney. More specifically, I am a wealth preservation attorney and a plaintiff’s securities/ERISA attorney. I primarily offer forensic litigation and consulting services … Continue reading →investsense
- Variable Annuities: Estate Planning Saboteurs August 23, 2018As a wealth preservation attorney, my practice involves various areas of the law including investment portfolio analysis, asset protection, risk management and estate planning. Three primary wealth saboteurs are investment portfolio mismanagement, tax erosion, and personal liability exposure. I recently … Continue reading →investsense
- Setting the Record Straight on Asset Allocation July 21, 2018One of the “dirty little secrets” of the investment industry is to deliberately misrepresent the findings of a study on the importance of asset allocation. The study, commonly referred to as the BHB study after the three gentleman who conducted … Continue reading →investsense
- InvestSense’s Comments on SEC “Best Interest” Proposal July 20, 2018The Securities and Exchange Commission is currently seeking public comments on its “Best Interest” (BI) proposal. The proposal would reportedly provide a standard of conduct for anyone providing financial services to the public. The standard would supposedly protect investors from … Continue reading →investsense
- 1+1=33%, or the Myth of the 1% Annual Investment Fee July 11, 2018This post is going to be short and sweet, as I keep getting calls and emails from people who wonder why their portfolios are not performing as well as they think they should. In most cases, their portfolios are the … 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 “Secret” Morningstar January 13, 2019
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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