Only 20% of Advisors Avoid Active Management Strategies
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The majority of advisors make the mistake of having significant or moderate use of actively managed funds.

Looking Beyond the Bottom Line
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The Principles for Responsible Investment is leveraging its network in noteworthy ways.

Three Insights About Bad 401(k) Plans From Recent Lawsuit
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“America’s leader in financial planning” is ill-serving its own employees.

Cost-Benefit Analysis for Financial Planning
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The cost of commission-based advisors are so hidden that you may be paying more than you realize.

Investors Greatly Undervalue Safeguarding Their Money
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Ten principles of safeguarding your money applied to the latest investment scandal.

Schwab Intelligent Portfolios: Services Not Provided
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A computer algorithm cannot help you with these things.

Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm
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See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

Schwab Intelligent Portfolios: Built on a Faulty Premise
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It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

Vanguard Sends A Letter To Directors, Will A Stick Follow?
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A board of directors is supposed to be accountable to the shareholders but sometimes they need a reminder.

Are Socially Responsible Investing (SRI) Funds Better Investments?
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“What do you think of the idea of Socially Responsible Investing (SRI) implemented simply by investing in something like the Domini Social Equity Fund (DSEFX)?”

Did Obama Violate an SEC Regulation?
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From the blind eye of the law, this seems like a violation of SEC regulation.

There Are No Such Things As “Fiduciary Rules”
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The principles of a fiduciary cannot be condensed into a set of rules.

What Does It Mean To Be A Fee-Only Fiduciary?
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Most investors are not aware of an important separation in the professionals of the financial services industry.

Dr. Seuss to Zombie Directors – Will You Please Go Now!
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In theory, the directors of a corporation are hired to provide independent oversight and protect shareholder interests. In practice, they’ve developed a reputation as country club chums with the executive managers.

Other People’s Property
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Investors have every right to question whether a fund company can cast an impartial vote.

Fiduciary Fight Part 5: Lobbyists Won’t Help
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“We’d be fools to underestimate their tenacity and creativity when it comes to protecting their executive bonus pools.”

Fiduciary Fight Part 4: Fiduciary Oath
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“Take a version of this fiduciary oath to the brokers down the street and ask them to sign it. If they refuse, ask why.”

Fiduciary Fight Part 3: Distinguish Between Brokers And Advisors
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I love that Bob Veres thinks that labeling someone as a broker or advisor would help bring clarity. It shows his optimism.

Jorge Posada And Jose Contreras Failed To Safeguard Their Finances
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Their attorney, New York-based Barry Lax, says the two ballplayers are the latest professional athletes abused by predatory financial advisors.

Fiduciary Fight Part 2: Additional Congressional Regulatory Oversight Can’t Be Trusted
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Congress cannot protect you from the financial sharks who contribute to their campaigns, but they may protect the sharks.

Fiduciary Fight Part 1: The Fight Over The Fiduciary Label
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The fight is on! Everyone wants to be known as a fiduciary, but not everyone deserves the title.

Planning Clients Often Don’t Get What They Pay For
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While I agree with the study, I don’t know that I agree with the prescribed solutions suggested.

Achieving Financial Peace Of Mind
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One goes to bed, while the other sits down to manage the family finances.

Most Americans Want Financial Advice From Humans
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An article title caught my eye recently: “Survey: Most Americans want financial advice from humans.”

Failed Experiment at the SEC
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Those who don’t understand or experience regulatory capture wrongly believe in a team of angels at these federal agencies tirelessly working for the common good.

SEC Q&A: What should I do if the financial professional claims that he or she is “certified”?
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We believe that NAPFA advisors are a well sought minority of financial advisors.

What Is The Most Important Attribute When Hiring An Investment Manager?
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Do you want to trust your advisor is acting in your best interests or do you want them to have the legal obligation and be free of commission-based conflicts of interest?

SEC Q&A: How do I find out whether an investment adviser ever had problems with a government regulator or has a disciplinary history?
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You can get copies of Form ADV by accessing the Investment Adviser Public Disclosure (IAPD) website.

SEC Q&A: How do investment advisers get paid?
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How your advisor is compensated matters. Make sure you can follow the money and know how they are getting paid.

How Can I Tell Who Is Associated With A Broker-Dealer?
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If your advisor is on one of these lists you should be aware of how they are paid.

SEC Q&A: What questions should I ask when choosing an investment adviser or financial planner?
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Here are our answers and comments to the SEC’s eight suggested questions.

FINRA Supports Regulation to Quell Competition
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Beware of government regulation, especially when a portion of the industry thinks it’ll be good for business.

Study on Investment Advisers and Broker-Dealers
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These are the wolves of Wall Street pretending to be the helpful sheep of investment advisors.

SEC Q&A: What is the difference between an investment adviser and a financial planner?
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This is why we call ourselves comprehensive wealth managers.

Advisers Worry About Potential Costs Of Third-Party Exams
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“Estimates range from $5,000 to $20,000; sharp opposition to Finra getting involved.”

Investment Advisors vs. Brokers
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Low risk firms should be visited less frequently by the SEC.

Mutual Funds Offer Good Governance Assistance
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Investing in mutual funds and ETFs offers an efficient solution for investors to engage in corporate governance issues. When you purchase a fund, you authorize fund managers to vote proxies on your behalf.

Five Unbelievable Financial Advisor Regulations
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To comply, most firms must archive and report massive amounts of information. Here are five of the more interesting regulations.

How To Tell If Your Financial Advisor Is Really “Fee-Only”
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Many will mislead you into thinking they are “fee-only” when they are not.

The Importance Of The Investment Policy Statement
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Adherence to the fiduciary standard is all about process.

Hedge Fund Advice In One Word: Don’t
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The documents where you can review 20 key issues looking for 10 red flags, or…

How to Calculate An Advisor’s Value: Liability-Relative Optimizing
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Planning on future cash needs allows you to use specific accounts for tax planning purposes.

How to Calculate An Advisor’s Value: Risk Management and Estate Planning
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Comprehensive wealth management is a bottomless task.

How to Calculate An Advisor’s Value: Annuity Planning
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Without a doubt, the best single annuity option for any client – that is, the option that creates the higher monthly cash payment – is to delay Social Security.

How to Calculate An Advisor’s Value: Dynamic Withdrawals
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Having a plan not to run out of money is priceless.

How to Calculate An Advisor’s Value: Tax Efficiency
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A dollar saved on your taxes is better than a dollar earned which causes you to pay more tax.

How to Calculate An Advisor’s Value: Total Wealth Asset Allocation
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Just how much value does a smart advisor bring with asset allocation and rebalancing wisdom?

How to Calculate An Advisor’s Value
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Planners can add the equivalent of a 1.82% annual arithmetic return to clients through five components.

Importance of Accurate Compensation Disclosures For Consumers
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You deserve a fee-only fiduciary standard of care.

Anatomy of a Scam
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There is no such thing as a sure thing, and if something sounds too good to be true, it is

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