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: financial interests
Transparency Is the Best Disinfectant: Four Key Questions Every Investor and 401(k) Plan Participant Should Ask
Sunlight 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
Posted in Best Interests, Closet Index Funds, Common Sense, Consumer Protection, Consumer Rights, DOL fiduciary rule, ERISA, Fiduciary, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Retirement, Retirement Plan Participants, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Closet Index Funds, Consumer Protection, ERISA, financial interests, investing, investment advice, investment advisors, investment portfolios, retirement plan participants, wealth management, wealth preservation
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Wealth Preservation and Retirement Accounts
When 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
Posted in Best Interests, Closet Index Funds, Consumer Protection, Estate Planning, Integrated Estate Planning, Investment Portfolios, Investor Protection, IRA, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, Active Management Value Ratio, Closet Index Funds, Consumer Protection, financial interests, financial planning, integrated estate planning, investing, investment losses, investment portfolios, investments, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management, wealth preservation
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The New DOL Fiduciary Rule – Effective June 9, 2017
On 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
Posted in Best Interests, Common Sense, Consumer Protection, Consumer Rights, DOL fiduciary rule, Equity Indexed Annuities, ERISA, Fixed Indexed Annuities, Investment Advice, Investment Portfolios, Investor Protection, IRA, pension plans, portfolio planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, Consumer Protection, consumer right, ERISA, Fiduciary, financial interests, investor protection, InvestSense, Pension Planning, portfolio construction, retirement distribution planning, 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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Promoting “Financial Wellness” and “Retirement Readiness”
Two of the hot buzzwords today in the financial media are “financial wellness” and “retirement readiness.” While many people consider financial and investing matters confusing and intimidating, the truth is that people can simplify most matters and still be successful. … Continue reading
Posted in Absolute Returns, Asset Protection, Integrated Estate Planning, Investment Advice, Investment Portfolios, Investor Protection, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Variable Annuities, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Absolute Returns, Active Management Value Ratio, Advice, black box investment fraud, Closet Index Funds, financial interests, financial planning, investment portfolios, investments, portfolio construction, retirement planning, variable annuities, 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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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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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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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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CommonSense InvestSense 