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
Tag Archives: Fiduciary
The Investor Revolution: A “Best Interests” Checklist for Investors and Fiduciaries
The DOL recently announced that it will not seek to delay the effective date of the department’s new fiduciary law. Beginning June 9, 2017, anyone providing advice to pension plans and plan participants will be deemed to be a fiduciary, … Continue reading
Posted in Best Interests, Closet Index Funds, Common Sense, Consumer Protection, Consumer Rights, DOL fiduciary rule, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), Active Management Value Ratio, Advice, Best Interests, Closet Index Funds, Consumer Protection, DOL fiduciary rule, ERISA, Fiduciary, investing, investment advisors, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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Controlling the Controllable: Factoring Investment Costs Into the Prudence/Suitability Equation
Facts do not cease to exist because they are ignored. – Aldous Huxley In an earlier post, I discussed the benefits of controlling the controllable aspects of investing. Investors cannot control the performance of the markets. Investment fiduciaries are not … Continue reading
Posted in Asset Protection, Closet Index Funds, Fiduciary, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, Closet Index Funds, Fiduciary, investing, investment advisors, investment portfolios, investments, investor protection, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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Investor Alert: Variable Annuities and Fixed Indexed Annuities
The Department of Labor announced the other day that it was delaying the effectiveness of certain part of their new fiduciary rule for 60 days. This delay was essentially requested by the Trump administration in order to evaluate the fairness … Continue reading
Posted in Asset Protection, Consumer Protection, Consumer Rights, Equity Indexed Annuities, Estate Planning, Fiduciary, Fixed Indexed Annuities, Investment Advice, Investment Advisors, Investor Protection, IRA, pension plans, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Advice, black box investment fraud, Consumer Protection, Equity Indexed Annuities, estate planning, Fiduciary, financial planning, Fixed Indexed Annuities, investing, investment advice, investment advisors, investment portfolios, investment scams, investor protection, IRAs, portfolio construction, retirement plan participants, retirement planning, stockbrokers, variable annuities, variable annuity abuse, wealth management, wealth preservation
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3 Key (But Often Overlooked) Mutual Fund Return Statistics
Anyone who knows me knows that the minute I see a “Top” or “Best” list with regards to financial advisers or investments, I immediately want to do a detailed forensic analysis to substantiate or disprove such claims. As a plaintiff’s … Continue reading
Posted in Absolute Returns, Asset Protection, Closet Index Funds, Common Sense, Consumer Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Preservation
Tagged 401k, 401k Investing, Absolute Returns, Advice, asset protection, Closet Index Funds, Consumer Protection, Fiduciary, financial interests, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, Pensions, portfolio construction, retirement distribution planning, retirement plan participants, retirement planning, wealth management, wealth preservation
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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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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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Outing “closet index” funds
Canada is finally investigating the issue of recommendations and sales of “closet index” funds. The same problem exists in the U.S., but don’t hold your breath expecting U.S. regulators to address the problem. A closet index fund is also referred to … Continue reading
Posted in Asset Protection, ERISA, Fiduciary, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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CommonSense InvestSense 