Protecting Investors from High Costs
This is Part 1 of a 2 Part series on Actively-managed Mutual Funds. You are given two investment options. Fund A charges an annual management...
Why are ETFs dangerous?
Exchange-traded funds, otherwise known as ETFs have become investors’ new best friends in the investment world. Investors have spent over $1 trillion into these investment...
Retirement Portfolios – Shifting from Accumulation to Distribution
Creating sustainable retirement portfolios is as much art as science. The tendency to view our annual capital projections as only science, due to the mathematics...
A Solution to Low Interest Rates during Retirement
You are retired and you are currently taking a 4% distribution from your retirement assets to fund your standard of living. You are an old...
The Best Retirement Plan or Not?
Millions of Americans have financial planners, retirement planners, and investment advisors who tell them what to do with their assets. People follow the professionals’ advice...
What is Unauthorized Discretionary Securities Trading?
Unauthorized trading occurs when a broker buys, sells, or exchanges securities without proper authority from the investor. FINRA Rules 2510(b) and 2020 and NYSE Rule...
403(b)s – The Ins and Outs and Some Know-How
403(b)s are a great investment vehicle for retirement for those who work for K-12 public school districts, colleges, universities, libraries, hospitals, churches, etc., and they...
Want Financial Security? Defer Your Retirement!
80% of Americans need a wake-up call. Retirement in your early or mid 60’s and maintaining your current standard of living for the rest of...
5 Sources of Income to Include in a Retirement Plan
Americans have five primary sources of retirement assets that will produce income in their Golden Years: Social Security, Pension Plans, Personal Savings, Real Estate, and...
Weighing In: Financial Disclosure Statements Needed for Investors
Financial advisors change firms for big money based on the amounts and types (fee, commission) of revenue that they produce for their firms. The higher...
