Insights & Observations Blog

Insights & Observations

Context and perspective to improve behavioral  finance patterns and  make smarter financial decisions. A focus above the fray, on what matters most for effective financial outcomes and goal achievement.

  • ★ Featured blog post

    The new “Fiduciary Rule” requires that financial advisors put client interests first… except when it doesn’t.

    The DoL recently announced finalization of the “Fiduciary Rule.” Given the final language of the law and the relatively minor changes from the proposed version in 2015, the public should be concerned. As background, and unbeknownst to most consumers, the financial industry is divided into two groups: 1) A very large group of firms, both […]

    ★ Featured blog post

    Here We Go Again – Risk is Your Friend

    There’s a good reason several musicians have songs titled “Here we go again” …life is full of challenges that cycle through.

    ★ Featured blog post

    Quarterly Thoughts – Reality of Red Numbers

    What’s your guess as to how many months the stock market declines or rises each year? And in bad vs. good markets?

    ★ Featured blog post

    Simple vs. Simplistic

    Most people want to help keep their investment planning and lives simple, but they don’t want their strategic planning or investment portfolios to be simplistic. This is a critical distinction understood by the savvy consumer. To us, “simple” means “easy and helpful” for our clients. Simplicity occurs for our clients as a result of our […]

    ★ Featured blog post

    Buyer re-beware – Proposed “fiduciary rule” to protect investor has big gaps

    In a perfect world, all consumers of financial guidance and products would receive non-conflicted advice, because biased “advice” causes serious economic damage. A White House Council of Economic Advisers analysis estimates that conflicts of interest shrinks affected investor accounts by about 1% per year, totaling about $17 billion annually. Cumulatively, a 1% haircut hurts many […]

    ★ Featured blog post

    Doctrine of the Mean

    Another year behind us and ahead of us. As 2014 started, many expected that inflation and interest rates would rise back towards more normal levels. Instead, rates stayed low, helping extended the US stock market rally. International stock markets have been slower to find their footing after the global financial crisis and are now adopting […]

    ★ Featured blog post

    Some Context On Market Corrections

    Will a Stock Market Correction Derail your Goal?  With markets hovering around all-time highs in recent months and the global financial crisis still a lingering memory, it is understandable that the recent increase in volatility might test the average investor’s nerves.

    ★ Featured blog post

    2014 Q3 Quarterly Context Webinar

    View our quarterly video on markets, the economy and investor behavior patterns… Information without information overload, as context for making better long-term investment decisions, and becoming an increasingly sophisticated investor. 2014-Q3 Quarterly Context Webinar

    ★ Featured blog post

    Quarterly Thoughts – Reality of Red Numbers

    What’s your guess as to how many months the stock market declines or rises each year?  And in bad vs. good markets?  Our yearly update of “The Reality of Red Numbers” shows you, and illustrates that market volatility is often a reasonable price to pay as part of a diversified portfolio, to help capture long-term positive […]

    ★ Featured blog post

    2014 Q2 Quarterly Context Webinar

    View our quarterly video on markets, the economy and investor behavior patterns… Information without information overload, as context for making better long-term investment decisions, and becoming an increasingly sophisticated investor. 2014-Q2 Quarterly Context Webinar

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