Any individual investor above middle-age has at one time or another been involved in an investment advice relationship with a financial professional who is compensated by the sale of a financial services product. Life insurance and brokerage services are the best...
If you are looking for me to make a solid prediction of a meaningful stock market bottom, I am going to disappoint you. The financial services media is full of investment advisors more qualified than me to provide those forecasts. Right now, there are two important...
“There are two ways to be fooled. One is to believe what isn’t true; the other is to refuse to believe what is true.” –Soren Kierkegaard I prospect for new clients just about every day. I can’t help it. Over 34 years of my prospecting habit is hard to...
Congratulations on your recent and current all-time high valuations of your company 401(k) retirement plan account. Truth be told, your “buy-and-hope” investment management strategy has worked exceedingly well over the last few years. Now, the bad news. When it comes...
I don’t provide “plan level” 401(k)investment advice; meaning I am not the broker of record for any small business 401(k) plans. In plain language, I don’t sell 401(k) plans to small business owners. My niche is providing investment advice to individual company 401(k)...
There’s a stealth investment vehicle that has made its way into many large company 401(k) retirement plan menus over the last few years. It’s called a collective investment trust (CIT). You might own one or more of these company 401(k) investment options right...
