Our Thinking

Whole or Term Life Insurance? The Definitive Guide

June 1st, 2017

Our insights are published and featured on Investopedia. According to the American Council of Life Insurers (ACLI), in 2014, 63.7% of all individual policies sold in the U.S. were whole life, compared to just 36.3% of policies being some type of term coverage. Thus, we should expect that whole life insurance is the way to go, right? Read more »

8 Investing Fees That You Should Never Pay

February 7th, 2017

Our insights are published, and featured on Investopedia.  Experience is a good school. But the fees are high. – Heinrich Heine When it comes to investment management and financial planning, there are a plethora of fees, expenses, and charges to decipher. Fortunately, with a little a bit of knowledge, you can definitely know which fees shouldn’t Read more »

How to Invest During your Retirement Years

October 31st, 2016

“I am a firm believer in the people. If given the truth, they can be depended upon to meet any national crisis. The great point is to bring them the real facts.”   -Abraham Lincoln There are many ways to invest, which leads to many ways to do things sub-optimally. Unfortunately, the wide-ranging studies conducted on Read more »

The 3 Certifications that Matter

August 8th, 2016

Certifications should indicate a higher level of education and expertise, which should lead to better results for you.  Thus, it seems to wise to look for them when hiring an advisory firm. However, there are over 160 designations, so how do you pick the right ones? In our view, there are three that make a significant Read more »

How to Invest During your Working Years

April 20th, 2016

There are many ways to invest, which leads to many ways to do things incorrectly. Unfortunately, the wide ranging studies done on investor behavior and performance indicate that doing things incorrectly is the norm, not the exception. The good news is, the truth is out there, hiding in plain in sight, and if you are Read more »

Rivers Almost Never Flow In A Straight Line, and Neither Will Your Portfolio’s Returns

January 19th, 2016

As the investable world seems to get crazier and scarier with each passing year, making sense of it all can be difficult. It’s at times like these that we think it is wise to consider truth from the world around us, and how it applies to seemingly chaotic situations. Take for example, a river, when Read more »

Market Timing and Trading Frequently Significantly Impair Returns

October 14th, 2015

Many investors, professional and otherwise, believe that market moves can be predicted and that making frequent moves in and out of markets and investments will lead to greater returns.  However, the data tells a different story, which is that market timing and trading frequently are harmful to your portfolio and will significantly reduce your overall Read more »

A Retirement Spending Parable

July 30th, 2015

Three 60 year old retirees, each with $4 million, and each wanting to spend 4% of their portfolio, or $160k a year, are at dinner debating the merits of their retirement spending plans. They have invited a finance professor to judge whose plan is best. Mr. Cash starts off first, proudly stating that his money Read more »

Judging New Venture Creations at the University of Florida

April 30th, 2015

Whenever we have a chance to help build the entrepreneurial companies of tomorrow, we enthusiastically raise our hand to serve. So when the University of Florida asked us to judge their “What’s Your Big Idea” Competition, which is essentially just like the TV show Shark Tank, we gladly accepted. We joined several other judges formed from Read more »

How bad are Wall Street forecasts? Really Bad.

March 9th, 2015

This weekend, there was an article written in the USA today that discussed the extremely poor performance of Wall Street Analysts. This is of no surprise to us, as we don’t believe that market timing or forecasting can be done accurately in the short term, and there is a plethora of evidence to support our Read more »