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: investor protection
God Bless Charles Ellis
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 401k, 401k Investing, abusive practices, Active Management Value Ratio, Advice, asset protection, Fiduciary, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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Wealth Preservation – Avoiding Common Financial “Games”
When people ask me what kind of law I practice, I tell them that I am a wealth preservation attorney. To me, wealth preservation consists of three separate areas of wealth management – accumulation, protection and preservation. Wealth preservation involves … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, IRA, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement Distribution Planning, Retirement Planning, Variable Annuities, Variable Annuity Abuse, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged abusive practices, Active Management Value Ratio, Advice, asset protection, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investment scams, investments, investor protection, portfolio construction, retirement distribution planning, retirement plan participants, retirement planning, stockbrokers, variable annuities, variable annuity abuse, wealth management, wealth preservation
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Conflicts of Interest and Full Disclosure
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 sure you understand your rights and our obligations to you, including the extent … Continue reading
Posted in Investment Advice, Investment Advisors, Investment Fraud, Investment Portfolios, Investor Protection, portfolio planning, Portfolio Planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, abusive practices, Active Management Value Ratio, Advice, asset protection, black box investment fraud, financial interests, financial planning, investing, investment advice, investment advisors, investment portfolios, investor protection, portfolio construction, stockbrokers, wealth management, wealth preservation
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The Best Investment Advice…Period
People that follow me know that “Winning the Loser’s Game” by Charles Ellis is my favorite book on investing. Ellis approaches investing from a different viewpoint that is refreshingly different, and absolutely spot on, than most investment experts. I consider … Continue reading
Posted in Asset Protection, Investment Advice, Investment Advisors, Investment Portfolios, Portfolio Construction, portfolio planning, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Active Management Value Ratio, Advice, financial planning, investing, investment advice, investment advisors, investment losses, investment portfolios, investments, investor protection, InvestSense, portfolio construction, wealth management, wealth preservation
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Interpreting “Marketing” Returns From “Real” Investment Returns
I am often asked how to make sense out of the return data that is online. For instance, morningstar.com posts various return data. Some of their return data is adjusted for any front-end load that a fund charges. Morningstar’s return … Continue reading
Posted in Asset Protection, Common Sense, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Uncategorized, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Active Management Value Ratio, Advice, financial planning, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, IRAs, portfolio construction, wealth management, wealth preservation
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Does Your Financial Advisor Owe You Money?
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 401k, 401k Investing, abusive practices, asset protection, black box investment fraud, Fiduciary, financial interests, investing, investment advice, investment advisors, investment portfolios, investment scams, investments, investor protection, Pension Planning, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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Does Your 401k Owe You Money?
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 401k, 401k Investing, abusive practices, asset protection, black box investment fraud, financial interests, financial planning, investing, investment advice, investment advisors, investment portfolios, investment scams, investments, investor protection, portfolio construction, retirement plan participants, retirement planning, stockbrokers, wealth management, wealth preservation
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Advisor Advertising Disguised as an Award
From time to time I run across articles that share my concern about certain issues in the financial planning and investment industries. This article from Russ Thornton, a friend and a colleague, addresses an issue that I have also written … Continue reading
Posted in Common Sense, Investment Advice, Investment Advisors, Investor Protection, Wealth Management, Wealth Preservation
Tagged Advice, black box investment fraud, financial planning, investment advice, investment advisors, investment scams, investor protection, wealth management, wealth preservation
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Faux Wealth Management: The Need for Integrated Estate Planning
A fellow estate planning colleague of mine called the other day and asked me to review a client’s investment portfolio for legal issues. I had previously reviewed my colleague’s portfolio and had pointed out some issues that were not consistent … Continue reading
Posted in Estate Planning, Integrated Estate Planning, Investment Advice, Investment Advisors, Investment Fraud, Investor Protection, Portfolio Construction, portfolio planning, Retirement, Retirement Planning, Wealth Management
Tagged Active Management Value Ratio, Advice, asset protection, estate planning, financial interests, financial planning, integrated estate planning, investing, investment advice, investment advisors, investment portfolios, investments, investor protection, InvestSense, portfolio construction, stockbrokers, wealth management, wealth preservation
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Throwing 404(c) Participants (And Sponsors) Under the Bus: ERISA Section 404(c) False Promise of “Sufficient Information”
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 401k, 401k Investing, financial interests, financial planning, investment advice, investment losses, investment portfolios, investments, investor protection, InvestSense, IRAs, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, wealth management
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CommonSense InvestSense 