September 2017

Four Ways To Fortify Your Sales Resistance

How can you create your own financial B.S. detector? According to the U.S. Department of Labor, investors pay unnecessary investment costs to the tune of $17 billion per year. This wreaks havoc on retirement plans which leads to many unpleasant side effects. Don’t be a patsy for persuasion. Learn how to ask the RIGHT questions…

Paranoid and Deranged Behavioral Algorithms

We are all delusional.  Our feelings, for the most part, in no way depict reality. “Feelings were designed to get the genes of our hunter-gatherer ancestors into the next generation.”- Robert Wright Beliefs involved deluding our ancestors, often making them so fearful they saw things that were not there.  Emotions designed for gene passage give…

It’s Monday Again…..When Is My Retirement?

Good Morning! Here are this week’s retirement links. Have a great day. Pay Off Student Loans Or Save For Retirement? – The Wall Street Journal How To Win At Retirement Savings – The New York Times Where To Look For Plain And Clear Answers On Social Security And Medicare – MarketWatch The Ultimate Guide To…

Announcing the Teachers (b) Planning Podcast

We are happy to announce our new podcast: Teachers (b) Planning. While there are a gazillion podcasts out there, ours is a bit different. We deal specifically with the problems (too numerous to mention here) that are inherent in most K-12 public school 403(b) retirement plans. Simply put, most teachers’ investment options really suck. The…

The Most Expensive Tuition

Experience is a good school, but the tuition can be too high.  Many investors often don’t get what they pay for. Teachers will frequently complain to us that their spouses have higher balances in their 401(k) than what is in their 403(b)s, in spite of the fact they started contributing similar amounts at roughly the…

Delightful Possibilities for Exploitation

What do many college athletes and brokerage clients have in common?   They are both victims of financial exploitation. Degree-less athletes and fee-ravaged brokerage clients are the outputs of two broken systems. The majority of college jocks will never make it to the pros. According to Jason Gay of The Wall Street Journal, “A few…

It’s Monday Again…..When Is My Retirement?

Good Morning! Here are this week’s retirement links. Have a great day. Why You Might Want To Leave A 401(k) With A Former Employer – Wall Street Journal 10 Things Advisors Would Change About 401(k) Plans – InvestmentNews Attorney Opens Up About 403(b) Lawsuits – InvestmentNews Health Savings Account: The Hidden Retirement Option- Barron’s The…

Holding The Line

“When the snows fall, and the white winds blow, the lone wolf dies, but the pack survives.”  – Ned Stark The pack survived Hurricane Harvey’s fury. Despite evil intent, the raging flood waters did not destroy Houston. They held the line. Heroic pictures of strangers helping each other will live long after the deluges have…

Facebook, Twitter, and Instagram Cannot Replace Labor Unions

Workers’ voices need to be heard now more than ever. No one likes to be abandoned or forgotten. Miserable workers turn into angry voters. In 2016, we all know how that turned out. In celebration of Labor Day 2107, we need to take a step back in time to understand why unions became such a…

It’s Monday Again…..When Is My Retirement?

Happy Labor Day!- Click on these links and help turn your life into a permanent holiday. IRS provides 401(k) Tax Relief Due To Hurricane Harvey – InvestmentNews You’re Fired! 401(k) Plan Sponsor Satisfaction With Advisors – 401KSpecialist Then and Now: The Big Shift at Work – Wall Street Journal Retiring Soon? Here are 4 Money…