Why do so many teachers have either high cost actively managed funds or even higher cost annuities in their 403b retirement plans??  First of all many teachers believe they must place an annuity in their plan because this investment vehicle is often called a tax deferred annuity. This is done to mislead and misinform teachers into believing they can…

Did you ever notice that just about every insurance salesman or stock broker seems like a “pretty nice guy”?  They are always smiling, paying superficial compliments about your new hair-do or providing canned laughter to your own inane comments. Don’t let those suspenders or ill-fitting suits fool you. They are trained to be predators and…

  The average brokerage firm is a well calibrated machine not unlike the infamous Terminator character who will NEVER stop. Their mission is to exploit the greed and fear of the average investor. They will pitch the hot product right before the bubble explodes, and sell umbrellas after the Hurricane is long gone. They are…