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Don’t Overpay to Underperform

The sudden departure of legendary bond fund manager Bill Gross last week from Pimco highlights the difficulty with chasing managers and performance. We discovered long ago that the conventional approach to investing is deeply flawed and expensive. Why overpay a fund manager to predict markets when there is so little evidence that this works? Years […]

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The Fountain Of Youth

The Investing Fountain of Youth

Every new day, an army of self proclaimed “financial consultants” pitch the latest and greatest investment ideas to unwitting investors. In most cases, the genesis of these investment products is some method of timing, selection or forecasting. These factors (timing, selection and forecasting) are often portrayed as the” investing fountain of youth”. Historically Proven For […]

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Field of Dreams

Assets and Aspirations

Our brokerage account custodian, T.D. Ameritrade, has an excellent slogan for their advisor industry advertisements: “You manage more than assets, you manage aspirations”. That aligns well with our philosophy. We have always resisted being called “investment managers”, because investments are but a tool to accomplish goals or aspirations. Everyone has distinct and unique goals.   […]

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Avoiding Mistakes with Your Largest Assets – Part 1

For many individuals, their house and retirement plan represent their largest assets (aside from human capital, the ability to produce income). Financial mistakes, particularly mistakes later in your working life, can have long lasting impacts on lifestyle choices. The philosophy and approach towards managing these assets can make all the difference. In this article, we […]

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Look Forward

Cure the Disease or Treat the Symptoms? – Part 2

In Part 1, we discussed the ingredients needed to “cure the disease” – the malady of not having enough financial resources to maintain your lifestyle (including living cost increases) – throughout retirement. With time, savings and discipline it is often possible to get back on track. Sometimes, however, there isn’t enough time and the gap […]

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Cure the Disease or Treat the Symptoms? – Part 1

There are many similarities between physical and financial health. As financial advisors, we often are confronted with the same dilemma that physicians face; cure the disease or treat the symptoms? In Part 1, we will look at curing the disease and in part 2 we will discuss treating the symptoms. In a perfect world, we […]

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