Tag Archives: InvestSense

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 , , , , , , , , , , , , , , | Leave a comment

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 , , , , , , , , , , , , , , | Leave a comment

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 , , , , , , , , , , , , , , , , , | Leave a comment

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 , , , , , , , , , , , , , , , , | Leave a comment

Put Up or Shut Up!

The Securities and Exchange Commission (SEC) continues to delay action on a proposed universal fiduciary standard that would require anyone providing investment advice to always put a customer’s best interests first. While investment advisers are currently required to put a … Continue reading

Posted in Fiduciary, Investment Advice, Investment Fraud, Investor Protection, pension plans, Portfolio Construction, Retirement Planning, Wealth Accumulation, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , , , , | Leave a comment

Avoiding Costly “Closet” Index Funds

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

“Hidden” Assets – Potential Liability Implication of the LaRue Decision for Attorneys, Fiduciaries and Their Clients

During a recent deposition of an executor, I asked the executor, a bank trust officer, whether the bank had evaluated the defined contribution plan in which the deceased had participated. The trust officer replied that the funds in deceased’s account … Continue reading

Posted in Asset Protection, ERISA, pension plans, Wealth Management, Wealth Preservation | Tagged , , , , , , , , , , , , , | Leave a comment

Financial Planning vs. Financial Plans

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

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

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