Tag Archives: 401k

God Bless Charles Ellis

Posted on October 24, 2015 by investsense

I am often asked what I feel is the best investment book for investors and what one piece of advice I would give investors. Fortunately, the answer to both is the same – read “Winning the Loser’s Game” by Charles … Continue reading →

Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Does Your Financial Advisor Owe You Money?

Posted on January 3, 2015 by investsense

Happy New Year! As I mentioned in my last post, I write for four blogs, including two in connection with my association with the Paladin Registry, a pro-investor organization that provides advice to help investors protect themselves against investment scams … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , | Leave a comment

Does Your 401k Owe You Money?

Posted on November 20, 2014 by investsense

In addition to this blog, I also write for the Paladin Registry. I just posted a new article on excessive fees within 401k plans. The article is available at  http://iwd.paladinregistry.com/products/401k-plan-owe-money/

Posted in Asset Protection, ERISA, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Throwing 404(c) Participants (And Sponsors) Under the Bus: ERISA Section 404(c) False Promise of “Sufficient Information”

Posted on June 3, 2014 by investsense

The Supreme Court’s decision in LaRue v. DeWolff, Boberg & Associates(1) in 2008 started a trend recognizing the need for greater protection of participants in defined contribution pension plans. The LaRue decision signaled the long overdue recognition by the judicial … Continue reading →

Posted in ERISA, Investment Advice, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Wealth Preservation and Those Pesky 401(k)/403(b)/IRA Beneficiary Forms

Posted on March 9, 2014 by investsense

Everybody hates paperwork. So when employees and investors are asked to fill out all the paperwork associated with 401(k) plans and individual retirement plans (IRAs), most people just enter something without giving it  much thought. When I was a compliance … Continue reading →

Posted in Asset Protection, Common Sense, ERISA, Investment Advice, Investment Portfolios, Investor Protection, IRA, Life Advice, pension plans, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Distribution, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment

Avoiding Costly “Closet” Index Funds

Posted on February 26, 2014 by investsense

I am a member of the Paladin Registry, a select group of attorneys and investment advisers dedicated to educate investors so that they can better protect themselves against investment fraud and other questionable activity by the investment industry. You can … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

1 + 1 = 34: The True Impact of Mutual Fund Fees

Posted on February 3, 2014 by investsense

One of the most common mistakes I see investors make is failing to understand the true cost of investment fees. Many investors dismiss an annual management fee of 1 percent as “just” 1 percent. Just as investment returns compound over … Continue reading →

Posted in ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Financial Planning vs. Financial Plans

Posted on October 9, 2013 by investsense

Many financial planners charge $5,000 or more to develop a retirement plan, or a five-year plan, for you and your family. You will receive a nice, thick brochure with numbers in it. Separate each page carefully. You now have a … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Distribution Planning, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

The Active Management Value Ratio 2.0 Worksheet

Posted on September 3, 2013 by investsense

I have had a lot of people ask me if could provide a simple worksheet that would allow them to quickly calculate the AMVR. Ask and ye shall receive. I have also provided an example of a completed worksheet. All … Continue reading →

Posted in Asset Protection, Investment Advice, Portfolio Construction, portfolio planning, Retirement, Wealth Accumulation, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

CommonSense InvestSense: Accumulating and Preserving Wealth

Posted on August 21, 2013 by investsense

Facts do not cease to exist because they are ignored – Aldous Huxley Your account is a brokerage account and not an advisory account. Our interests may not always be the same as yours. Please ask us questions to make … Continue reading →

Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, Portfolio Construction, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , , , , | Leave a comment