We are now on fourth and most important principle in setting ourselves up for long-term investing success: controlling investor behavior. Controlling investor behavior is the most important of the principles because it is the one that can cancel out the positive...read more
The concept that a financial advisor needs to be an expert in people management and financial planning and no in investments is gaining momentum within the financial services industry. Advisors are being encouraged to outsource their investment management services...read more
As another alternative to the 401(k) plan, a Simplified Employee Pension plan (or SEP for short) can be a very powerful, user-friendly option. This employer-sponsored plan is easy to open and administer and also limits administrative fees and expenses. With these...read more
Private schools are notoriously more expensive than public schools. However, private schools also tend to offer more financial assistance. When comparing sticker prices, public college is likely going to come out on top, so it is important to factor the net price...read more
Previously we touched upon the effects of fees and taxes on portfolio performance. We are now on to the third principle of asset allocation. If you remember, our principles are about focusing on what we can control. So why is controlling asset allocation so...read more
We recently held a "Lunch & Learn" event here at our SEED Offices where we discussed the Department of Labor Fiduciary Rule in depth. This post contains some questions asked by the attendees. Q: How will this affect the insurance “Financial Advisors?” Will they just...read more
There is a huge misconception that the DOL Fiduciary Rule opens the door for clients to sue financial advisors if they lose money on their investments. Legal liability seems to be the key argument of most opponents to the Fiduciary Rule. This is kind of like saying,...read more
Over the next few weeks we will be walking through the process of planning for college, paying for college, and then paying off college. A college degree is a huge investment decision, so it is important to put in time and research before starting the process. We will...read more
The goal of most financial advisors is to work with fewer clients, make more money, and have less work to do. The industry push has been to outsource everything except the client face time. Even client face time is minimal in many practices. The climb to higher riches...read more
Last time we looked at the four investment principles which we believe will increase your chances for investment success. We specifically focused on how the compounding effect of fees could erode away return over time. This week we are going to discuss taxes and their...read more
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