CommonSense InvestSense
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CommonSense InvestSense- Cost-Efficiency and Common Sense: Simple Factors in Improving the Accumulation and Preservation of Wealth January 29, 2021Section 7 of the Uniform Prudent Investors Act (UPIA) states that “[w]asting beneficiaries’ money is imprudent.” While the UPIA is directed at trustees and the management of trust assets, common sense tells you that the warning is equally applicable to … Continue reading →investsense
- DIY Investor and Fiduciary Protection Strategies: 4Q 2020 401(k) Top 10 AMVR Analysis January 4, 2021For the first new blog post since our blog and domain name were recovered, I figured it was only appropriate to re-christen the blog with our popular quarterly “cheat sheet” of the top non-index mutual funds in U.S. 401(k) plans. … Continue reading →investsense
- “Humble Arithmetic,” Prudence, and Successful Investing – 2019 December 2, 2019Facts do not cease to exist because they are ignored. – Aldous Huxley In 2005, the late John Bogle, of Vanguard fame, spoke at the 60th anniversary conference of the Financial Analysts Journal. Mr. Bogle’s presentation, entitled “The Relentless Rules … Continue reading →investsense
- Full Disclosure: The Art of Reading and Interpreting Mutual Fund Ads November 26, 2019One of the most frequent questions I receive is how to effectively read and interpret mutual fund advertisements. I receive this question not only from individual investors, but from professional investment fiduciaries, such as pension plan sponsors, and securities/ERISA attorneys. … Continue reading →investsense
- Investor, Protect Thyself: The InvestSense Investor Self-Defense Strategy October 15, 2019During his term as Chairman of the Securities and Exchange Commission (SEC).(1993-2001), Arthur Levitt focused more on investor protection than perhaps any other recent SEC Chairman. His advice from a1999 speech, “Financial Self-Defense: Tips From and SEC Insider,” is still … Continue reading →investsense
- Investopedia Top 100 Most Influential Financial Advisor Honor August 15, 2019Honored to be named by Investopedia as one of the Top 100 Financial Advisors for 2019. Unlike a lot of other “top” lists, Investopedia bases its selection largely on criteria such as contributions to online media to educate investors on … Continue reading →investsense
- One Step to Building More Effective, and Safer, Investment Portfolios July 27, 2019What is the first factor an investor or investment fiduciary, such as a pension plan sponsor, should consider in evaluating an actively managed mutual? Most people’s answer would probably be a fund’s returns or the number of Morningstar “stars” given … Continue reading →investsense
- CommonSense InvestSense About…Returns July 20, 2019As an attorney that specializes in wealth management/preservation and asset protection, I often see investors who have suffered unnecessary financial losses due to poorly designed and/or poorly managed investment portfolios. This is especially troubling, for as legendary investment expert Benjamin … Continue reading →investsense
- Sound Investment Advice from Jack Bogle…Again May 5, 2019Why write anything? Mr. Bogle says it all. https://www.yahoo.com/finance/news/vanguard-founder-jack-bogle-apos-194408395.htmlinvestsense
- REAL Wealth Management 2019 – Wealth Distributions and Transfers April 13, 2019Today, we address what I consider to be the third aspect of a genuine wealth management program – distributions and transfers of one’s assets. Distribution encompasses both transfers made while one is living, inter vivos transfers, and transfers made after … Continue reading →investsense
- Cost-Efficiency and Common Sense: Simple Factors in Improving the Accumulation and Preservation of Wealth January 29, 2021
Tag Archives: retirement planning
Investopedia Top 100 Most Influential Financial Advisor Honor
Honored to be named by Investopedia as one of the Top 100 Financial Advisors for 2019. Unlike a lot of other “top” lists, Investopedia bases its selection largely on criteria such as contributions to online media to educate investors on … Continue reading
Posted in Active Management Value Ratio, AMVR, Consumer Protection, Consumer Rights, Fiduciary, Investor Protection, Life Advice, Portfolio Construction, portfolio planning, Retirement Distribution Planning, Retirement Planning, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation
Tagged Active Management Value Ratio, Consumer Protection, consumer right, Fiduciary, investment portfolios, investor protection, InvestSense, portfolio construction, retirement planning, wealth management, wealth preservation
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One Step to Building More Effective, and Safer, Investment Portfolios
What is the first factor an investor or investment fiduciary, such as a pension plan sponsor, should consider in evaluating an actively managed mutual? Most people’s answer would probably be a fund’s returns or the number of Morningstar “stars” given … Continue reading
Posted in Closet Index Funds, ERISA, Fiduciary, pension plans, portfolio planning, Portfolio Planning, Retirement, Wealth Accumulation, Wealth Management, Wealth Preservation
Tagged 401k Investing, Closet Index Funds, Consumer Protection, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, InvestSense, Pensions, portfolio construction, retirement planning, wealth management, wealth preservation
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REAL Wealth Management-2019
I originally ran this series back in 2013. The series has proven to be among the blog’s most popular posts. So we are going to update the original posts and re-run the entire series. Today we address the ongoing “wealth … Continue reading
Posted in Investment Portfolios, Portfolio Construction, portfolio planning, Retirement, Retirement Distribution Planning, Retirement Plan Participants, Retirement Planning, Wealth Accumulation, Wealth Distribution, Wealth Management, Wealth Preservation, Wealth Recovery
Tagged 401k Investing, asset protection, financial planning, investing, investment portfolios, investments, Pension Planning, retirement distribution planning, retirement plan participants, retirement planning, wealth distribution, wealth management, wealth preservation
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Are Your 401(k) Plan’s Mutual Funds Legally Prudent?
“You get what you don’t pay for.” – John Bogle Full Disclosure and Total Transparency: I am an attorney. More specifically, I am a wealth preservation attorney and a plaintiff’s securities/ERISA attorney. I primarily offer forensic litigation and consulting services … Continue reading
Posted in Active Management Value Ratio, AMVR, Closet Index Funds, Consumer Protection, Consumer Rights, ERISA, Fiduciary, Fiduciary Standard, Investment Advice, Investment Advisors, Investment Portfolios, Investor Protection, pension plans, Portfolio Construction, portfolio planning, Portfolio Planning, Retirement, Retirement Plan Participants, Retirement Planning, Wealth Management, Wealth Preservation
Tagged 401k, 401k Investing, 403(b), abusive practices, Active Management Value Ratio, Closet Index Funds, Consumer Protection, ERISA, Fiduciary, investing, investment advice, investment advisors, investment portfolios, investments, Pension Planning, Pensions, portfolio construction, retirement plan participants, retirement planning, stockbrokers, 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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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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