Equity compensation: Big opportunities, but beware the risks  

June 27, 2024

Equity can be an important part of a new employee’s compensation package or a way for employers to show their appreciation for a job well done. While equity compensation can lead to a nice financial payout, it is not without risk. This article explores the basics of equity compensation, understanding potential downsides—including concentration risk—and how to solve for that risk.

Categories: , , , , ,

Young investor’s guide to building a financial future  

June 17, 2024

This piece combines into a single article our two-part series exploring the steps young clients may take as they begin investing for the first time. In it, we discuss the importance of avoiding high-interest credit card debt, embracing long-term investing and making the most of tax-advantaged retirement accounts such as 401(k)s and IRAs. We also cover the value of diversification, strategies to avoid speculative behaviors such as market timing and stock picking, and building a plan based on individual goals.

Categories: , , , , ,

Young investor’s guide to building a financial future—part 2: Investing for your goals  

June 17, 2024

Part 2 of a two-part series exploring the steps young clients may take as they begin investing for the first time. In the second and final article of this series, we cover the value of diversification, strategies to avoid speculative behaviors such as market timing and stock picking, and building a plan based on individual goals. The article is a follow-up to part 1, in which we discuss the importance of avoiding high-interest credit card debt, embracing long-term investing and making the most of tax-advantaged retirement accounts such as 401(k)s and IRAs.

Categories: , , , , ,

Young investor’s guide to building a financial future—part 1: Where do you start?  

May 30, 2024

Part 1 of a two-part series exploring the steps young clients may take as they begin investing for the first time. This first article discusses the importance of avoiding high-interest credit card debt, embracing long-term investing and making the most of tax-advantaged retirement accounts such as 401(k)s and IRAs. In part 2, we’ll cover the value of diversification, strategies to avoid speculative behaviors such as market timing and stock picking, and building a plan based on individual goals.

Categories: , , , , ,

Making best use of your behavioral biases  

May 2, 2024

Many pieces about behavioral biases explore ways in which they harm investors. This piece looks at ways to harness some of them to improve on investors' financial well-being. This piece also references, and pairs well with the recently updated report and series, the "ABCs of Behavioral Biases."

Categories: , , , ,

The ABCs of behavioral biases (UPDATED 04-2024)  

April 22, 2024

UPDATED FROM SEPT. 2019: This collection of materials includes: (1) a 6,000-word white paper, (2) the same materials broken into a seven-part drip series and (3) a PowerPoint presentation on "The ABCs of Behavioral Biases." From anchoring to FOMO, from hindsight to tracking-error regret, this series covers the most common financial behavioral biases that lead investors astray.

Categories: , , , , , , , ,

Financial quick takes: Financial goals—your tickets to ride  

March 27, 2024

This "quick take" piece reviews why it's important for investors to have well-crafted personal financial goals driving their overall investment strategies and selections, and how to establish and maintain relevant goals over time.

Categories: , , , ,

Protecting women’s wealth  

March 16, 2024

This article describes some of the hurdles women face in protecting their wealth, including longevity and earning challenges, as well as ways to build greater financial stability through targeted financial planning.

Categories: , , , , , , , ,

Bringing order to your investment universe: A 3-part series  

February 20, 2024

This three-part series walks readers through how to transition from a chaotic collection of assets and accounts into a well-structured investment portfolio. Each part explores the separate planning pieces involved in minimizing the taxable impact of a desired transition while successfully moving toward a more orderly investment portfolio, and it encourages investors to hire an experienced financial planner to assist them. This series is also available in white paper format for use as a separate prospecting resource.

Categories: , , , , , , , ,

Bringing order to your investment universe: White paper  

February 20, 2024

This white paper walks readers through how to transition from a chaotic collection of assets and accounts into a well-structured investment portfolio. It explores how to strike an effective balance between minimizing the taxable impact of a desired transition while successfully moving toward a more orderly investment portfolio, and it encourages investors to hire an experienced financial planner to assist them. Each part in this three-part piece is also available in stand-alone format for use as a drip series.

Categories: , , , , , , , ,

Evidence-based investment insights series: 14 parts (UPDATED 2024)  

January 16, 2024

UPDATED FROM 2019: This is a series of 14 shorter pieces for explaining evidence-based investment principles in a step-by-step approach. Use the series for drip marketing via e-newsletter, emails, mailings or as video script to introduce your investment approach to prospective clients or to review key benefits with existing clients. Collection will download as a zip file containing 14 Word documents. A compiled 26-page white paper and eight-page report also are available for separate download.

Categories: , , , , , , , ,

Evidence-based investment insights series: Report (UPDATED 2024)  

January 16, 2024

UPDATED FROM 2019: This eight-page report strikes a happy medium between the full 26-page white paper and the individual installments available in the Evidence-Based Investment Insights series. Compiling key messages from the entire series, this report offers a mid-length, single document overview of evidence-based investing. Share the paper as a printed handout or in PDF form with clients and prospects. Use it as a giveaway to collect emails on your website or for other similar purposes.

Categories: , , , , , , , ,

Evidence-based investment insight series: White paper (UPDATED 01-2024)  

January 16, 2024

UPDATED FROM 2019: This 26-page white paper compiles the entire Evidence-Based Investment Insights series into a single document you can use to design your own company white paper. Share the paper as a printed handout or in PDF/booklet form with clients and prospects. Use it as a giveaway to collect emails on your website or for other similar purposes. A set of individual installments for "dripping" the series and a shorter report version are available for separate download in January 2024.

Categories: , , , , , , ,

4 Financial Best Practices for Year-End 2023  

November 15, 2023

Share this piece with clients and prospects to offer four financial best practices for year-end 2023. This year's tips cover managing cash reserves, maintaining one's investment portfolio, tax strategies, and time management.

Categories: , , , , , , ,

Financial Quick Takes: Compared to What?  

October 26, 2023

This piece describes the apples-to-orange comparisons investors tend to make between their well-built, globally diversified investment portfolio versus fleeting hot hands and/or "the market." Readers are encouraged to instead consider fund management and costs in selecting appropriate holdings for their unique portfolio build, and invites them to reach out to you for assistance.

Categories: , , , ,

Financial Quick Takes: Wisdom of Crowds vs. Popular Delusions  

September 25, 2023

Are markets wise, as James Surowiecki suggests in "The Wisdom of Crowds"? Or are they delusional, as described in Charles Mackay's "Extraordinary Popular Delusions and the Madness of Crowds"? This quick take summarizes why they can be either or both, and how that shapes your investment recommendations. By creating and sticking with a low-cost, globally diversified portfolio, investors can capitalize on group wisdom and avoid group mania.

Categories: , , , ,

Financial Quick Takes: Making Mistakes  

September 5, 2023

A quick-take piece emphasizing the difference between avoidable investment mistakes versus random market misfortune. By eliminating avoidable mistakes, investors can also lower, but not entirely eliminate, the possibility of experiencing negative investment outcomes.

Categories: , , , , ,

A Balanced Look at Stock Buybacks Series REPORT  

August 4, 2023

Our 3-part series bundled into a full-length report, exploring how and why stock buybacks can help investors, hurt them, or be a neutral event, depending on the particulars.

Categories: , , , , ,

A Balanced Look at Stock Buybacks — Part 3: Risks Amidst the Rewards  

August 4, 2023

Part 3 of a 3-part series exploring how and why stock buybacks can help investors, hurt them, or be a neutral event, depending on the particulars. Part 1 described how stock buybacks generally work, and emphasized the importance of investing in a globally diversified portfolio, rather than chasing or fleeing particular stock buyback opportunities. Part 2 covered how companies may use stock buybacks to strike a balance between sustaining current and future shareholder value. In this, Part 3, we cover how the power of stock buybacks can become weaponized in the wrong hands, and why the government is keeping its eye on them.

Categories: , , , , ,

A Balanced Look at Stock Buybacks — Part 2: Sustaining Current & Future Value  

July 31, 2023

Part 2 of a 3-part series exploring how and why stock buybacks can help investors, hurt them, or be a neutral event, depending on the particulars. Part 1 described how stock buybacks generally work, and emphasized the importance of investing in a globally diversified portfolio, rather than chasing or fleeing particular stock buyback opportunities. In this, Part 2, we cover how companies may use stock buybacks to strike a balance between sustaining current and future shareholder value. In Part 3, we'll cover how the power of stock buybacks can become weaponized in the wrong hands, and why the government is keeping its eye on them.

Categories: , , ,

A Balanced Look at Stock Buybacks — Part 1: How Do Stock Buybacks Work?  

July 31, 2023

Part 1 of a 3-part series exploring how and why stock buybacks can help investors, hurt them, or be a neutral event, depending on the particulars. This Part 1 describes how stock buybacks generally work, and emphasizes the importance of investing in a globally diversified portfolio, rather than chasing or fleeing particular stock buyback opportunities. In Part 2, we'll cover how companies may use stock buybacks to strike a balance between sustaining current and future shareholder value. In Part 3, we'll cover how the power of stock buybacks can become weaponized in the wrong hands, and why the government is keeping its eye on them.

Categories: , , , ,

Dividend Stocks – Part 2: Dividend Stocks vs. Total Return Investing  

June 28, 2023

Building a concentrated position in dividend stocks may appeal to some investors as a way to withdraw income from their investment portfolio. In Part 1 of a two-part series, we explored how dividend stocks really work, and why stocking up on them is not our preferred technique for creating a dependable cash flow in retirement. In this Part 2, we cover why we instead prefer a total return approach to building wealth and generating efficient cash flow as needed.

Categories: , , , , ,

Dividend Stocks – Part 1: How Dividend Stocks Work  

June 28, 2023

Building a concentrated position in dividend stocks may appeal to some investors as a way to withdraw income from their investment portfolio. In this Part 1 of a two-part series, we explore how dividend stocks really work, and why stocking up on them is not our preferred technique for creating a dependable cash flow in retirement. In Part 2, we'll cover why we instead prefer a total return approach to building wealth and generating efficient cash flow as needed.

Categories: , , , , ,

Unsung Money Mentors: Personal Financial Columnist Sylvia Porter  

May 30, 2023

In a recent piece, "Who Is 'the Media'?" we offered our broad take on “the media,” and how to identify islands of investment insights across the oceans of daily news. In this follow-up, we focus on America’s first personal financial columnist Sylvia Porter (1913–1991), and the impact she made on the global financial press. This piece is also part of our continuing series on Unsung Money Mentors.

Categories: , , , , ,

What Is the Media?  

April 27, 2023

While we often take aim at "the media," not all news is harmful. By understanding the different types of media coverage, and their roles in our decision-making processes, investors can better differentiate quality news from harmful distraction.

Categories: , , ,

Is Social Security Going Bust?  

March 26, 2023

An analysis of what is projected for Social Security, some of the fixes Congress is exploring to replenish its reserves, and why taking Social Security early just to avoid potential cuts in benefit, is only shifting financial risks rather than eliminating them.

Categories: , , , , , ,

Unsung Money Mentors: The Legacy Dan Wheeler Left Us  

February 28, 2023

In the first of what may become a series of unsung money mentors, we reflect on the legacy the recently passed Dan Wheeler left for the independent, fee-only advisor community in general, and evidence-based investment advisors in particular. The piece covers his influence on the advisor community before and after he joined Dimensional Fund Advisors.

Categories: , , , , , ,

4 Ways to Apply the 80/20 Rule to Your Financial Pursuits  

February 5, 2023

The "80/20 rule" suggests 80% of an outcome is often the result of just 20% of the effort you put into it. In that spirit, this piece offers 4 financial best practices where the 80/20 rule applies. These include staying invested across varied markets, emphasizing asset allocation over stock-picking, having a basic financial plan to guide the way, and freezing your credit report to minimize financial fraud.

Categories: , , , , , ,

Financial & Identity Theft Quick Reference – U.S. Version (UPDATED)  

February 5, 2023

UPDATED FROM SEPTEMBER 2018: Use this quick-reference to help U.S. clients and prospective clients combat financial fraud and identity theft. Design into a front-and-back flyer or poster for rapid reading or to complement the similar, longer report on the same subject.

Categories: , , , , ,

Financial & Identity Theft Quick Reference – Canadian Version (UPDATED)  

February 5, 2023

UPDATED FROM SEPTEMBER 2018: Use this quick-reference to help CANADIAN clients and prospective clients combat financial fraud and identity theft. Design into a front-and-back flyer or poster for rapid reading or to complement the similar, longer report on the same subject.

Categories: , , , , ,

What’s in the SECURE 2.0 Act?  

January 3, 2023

A five-page overview of key provisions in the newly enacted SECURE 2.0 Act of 2022, including updates that impact: (1) savers/investors, (2) employers/plan sponsors, (3) current spending (such as emergency expenses), (4) Roth accounts, (5) RMD requirements, and (6) charitable giving.

Categories: , , , , , , ,

When Should You Take Your Social Security?  

December 9, 2022

This 3-page piece summarizes some of the most common factors that may influence whether to start taking Social Security sooner or later, and emphasizes planning based on manageable factors, rather than hopes or fears that are beyond our control.

Categories: , , , , , ,

Six Financial Best Practices for Year-End 2022  

November 11, 2022

Share this piece with clients and prospects to offer six financial best practices for year-end 2022. This year's tips cover cash flow management, tax planning, healthcare coverage, and general financial planning in the context of 2022 events, including higher interest rates, inflation, and market volatility.

Categories: , , , , , , , , , , , , ,

Back to the Investment Basics: White Paper  

October 14, 2022

This nine-page white paper combines our recently published, multipart Investment Basics series into a complete piece covering five investment essentials: how important it is to save (so you have money to invest); how to invest efficiently in broad markets; why to avoid chasing or fleeing rising or falling prices, being patient, and investing according to your personal financial goals.

Categories: , , , , ,

Back to the Investment Basics: Part 5 — Patience and Personal Persistence  

October 12, 2022

This part 5 is the last installment in our multipart Investment Basics series, and covers two more essentials: being patient and ensuring personal financial goals drive the decision-making. Earlier parts explored the history of investing; how important it is to save (so you have money to invest); how to invest efficiently in broad markets; and why to avoid chasing or fleeing rising or falling prices.

Categories: , , , , , ,

Back to the Investment Basics: Part 4 — The Price You Pay Matters  

September 27, 2022

This part 4 in our multipart Investment Basics series covers how stock prices are set. Earlier parts explored the history of investing; how important it is to save (so you have money to invest); and how to invest efficiently in broad markets. Next up (and to wrap), we'll cover investor resolve, and setting personal financial goals.

Categories: , , , ,

Back to the Investment Basics: Part 3 — Our Marvelous Markets  

September 16, 2022

Part 3 of a multipart series reminds investors to consider current market events in proper historical context (part 1), while depending on investment basics to move past today's challenges and future unknowns. In part 2, we covered the importance of saving. In this part 3, we cover market returns. In upcoming parts, we'll cover three more investment basics: market pricing, investor resolve, and personal financial goals.

Categories: , , , ,

Back to the Investment Basics: Part 2 — First Save, Then Invest  

September 6, 2022

Part 2 of a multipart series reminds investors to consider current market events in proper historical context (in part 1), while depending on investment basics to move past today's challenges and future unknowns. In this part 2, we covered the importance of saving. In upcoming parts, we'll cover four more investment basics: market returns, market pricing, investor resolve, and personal financial goals.

Categories: , , , ,

Back to the Investment Basics: Part 1 — Remembering Summers Past   Free Sample (Click on title to download)

August 29, 2022

Part 1 of a multipart series reminds investors to consider current market events in proper historical context, while depending on investment basics to move past today's challenges and future unknowns. In upcoming parts, we'll cover five investment basics: saving, market returns, market pricing, investor resolve, and personal financial goals.

Categories: , , , , , , , ,

Market-Timing Traps and Temptations  

August 3, 2022

This commentary points to the surprisingly strong July 2022 returns (after awful returns during the first half of the year) to remind investors why market-timing remains ill-advised. As always, markets don't set prices based on whether news is good or bad, but whether it's better or worse than expected.

Categories: , , , ,

Our Take On Direct Indexing (UPDATED)  

July 30, 2022

UPDATED FROM DECEMBER 2021: With the elimination of trading costs and the ability to purchase partial shares, more providers have been offering direct indexing to smaller accounts for relatively modest fees. But just because investors can engage in direct indexing, should they? It depends on the circumstances. This three-part report defines direct indexing, reviews its downsides, and describes its potential useful applications.

Categories: , , , , , , ,

Six Ways a Recession Resembles a Bad Mood  

June 14, 2022

This piece helps your clients and prospective clients put current market and recessionary concerns in perspective by describing six ways a recession resembles a bad mood. For example, they're both difficult to define, best seen in retrospect, and part of life. Besides describing what recessions are and how they work, a main message is that investors can't control the world around them, but they can control how they react to it. And you, as their advisor can assist with that.

Categories: , , , , , , ,

Interest Rates, Inflation & Investing: Report Version  

April 4, 2022

A compiled, three-part report that combines our multi-part series covering current concerns about interest rates (part 1), inflation (part 2), and what these influences mean to investors (part 3).

Categories: , , , , , , , ,

Interest Rates, Inflation & Investing, Part 3  

April 1, 2022

Part 3 in a 3-part series covering current concerns about interest rates (part 1), inflation (part 2), and what these influences mean to investors (in this part 3).

Categories: , , , , , , , , , ,

Interest Rates, Inflation & Investing, Part 2  

March 24, 2022

Part 2 in a 3-part series covering current concerns about interest rates (part 1), inflation (in this part 2) and what these influences mean to investors (part 3).

Categories: , , , , , ,

Interest Rates, Inflation & Investing, Part 1  

March 16, 2022

Part 1 in a 3-part series covering current concerns about interest rates (in this part 1), inflation (part 2) and what these influences mean to investors (part 3).

Categories: , , , , , , ,

Healing What Hurts: The Essential Role of a Financial Therapist  

February 16, 2022

This 3-page report describes the value a financial therapist can add to someone’s wealth management team when their own or a family member’s mental health may be interfering with their financial well-being. Points include when and how financial therapy can help, and how to identify an appropriate fit (including how your firm can assist in the selection).

Categories: , , , , , , , ,

Evidence-Based Investing in Brief  

December 16, 2021

"What is evidence-based investing?" This 3-page piece provides a relatively brief, yet substantive response to this essential FAQ. It starts with a two-sentence working definition, and then covers evidence-based investing's roots, reasoning and practical application.

Categories: , , ,

Six Financial Best Practices for Year-End 2021  

November 7, 2021

Share this piece with clients and prospects to offer six financial best practices for year-end 2021. This year's tips cover investment discipline, budgeting, tax-planning, charitable giving, and estate planning considerations in the context of 2021 events. It also optionally references the newly released "Tax Planning in Turbulent Times" report for additional insights.

Categories: , , , , , , , , ,

Tax Planning in Turbulent Times  

November 7, 2021

This report combines our earlier 3-part tax planning series into a single, 6-page piece. It pairs well with, and is optionally referenced in the separate piece, "Six Financial Best Practices for Year-End 2021."

Categories: , , , , , , , ,

Investment Costs, Part 2: Custodian/Brokerage Costs  

September 27, 2021

Part 2 of a 2-part series covering investment costs. Part 1 focuses on fund management fees. Part 2 looks at custodian/brokerage (trading) costs, as well as how a fiduciary, fee-only advisor can help families identify and reduce excessive costs.

Categories: , , , , , , ,

Investment Costs, Part 1: Fund Management Fees  

September 27, 2021

Part 1 of a 2-part series covering investment costs. Part 1 focuses on fund management fees. Part 2 looks at custodian/brokerage (trading) costs, as well as how a fiduciary, fee-only advisor can help families identify and reduce excessive costs.

Categories: , , , , , , ,

Tax Planning Part 3: Tax-Wise Financial Planning  

August 31, 2021

Part 3 of a 3-part series on tax-planning. Part 1 defined "the tools of the tax-planning trade," i.e., tax breaks for saving toward life goals such as retirement, healthcare, education, emergency spending, charitable giving, and wealth transfer. Part 2 explored reducing families' lifetime tax bills through tax-wise investment techniques. Part 3 explores integrating all of the above into broad financial planning.

Categories: , , , , , , , , , ,

Tax Planning Part 2: Tax-Wise Investment Techniques  

August 12, 2021

Part 2 of a 3-part series on tax-planning. Part 1 defined "the tools of the tax-planning trade," i.e., tax breaks for saving toward life goals such as retirement, healthcare, education, emergency spending, charitable giving, and wealth transfer. Part 2 explores reducing families' lifetime tax bills through tax-wise investment techniques. Part 3 will explore integrating all of the above into broad financial planning techniques.

Categories: , , , , , , , , ,

Tax Planning Part 1: Tools of the Trade  

July 27, 2021

Part 1 of a 3-part series on tax-planning. Part 1 defines "the tools of the tax-planning trade," i.e., tax breaks for saving toward life goals such as retirement, healthcare, education, emergency spending, charitable giving, and wealth transfer. Part 2 explores reducing families' lifetime tax bills through tax-wise investment techniques. Part 3 will explore integrating all of the above into broad financial planning techniques.

Categories: , , , , , , , , ,

Inflation Part 2: What We Can Do About It  

June 24, 2021

Part 2 of a 2-part series on inflation. Part 1 defined inflation, put current events in greater context, and described the difference between "good" and "bad" inflation. This Part 2 explores why forecasts for inflation remain as fuzzy as ever, and how investors can best prepare for whatever may happen next.

Categories: , , , , , ,

Inflation Part 1: What We Know  

June 15, 2021

Part 1 of a 2-part series on inflation. Part 1 defines inflation, puts current events in greater context, and describes the difference between "good" and "bad" inflation. Part 2 explores why forecasts for inflation remain as fuzzy as ever, and how investors can best prepare for whatever may happen next.

Categories: , , , , ,

Protecting What’s Yours (After You Pass) Part 2  

May 17, 2021

Share this two-part piece on estate planning basics with clients and prospects. Part 1 is 464 words, and reminds readers how important it is to have a basic will or trust. This part 2, at 1,413 words, offers step-by-step guidance on creating and maintaining an effective estate plan. Both pieces pair well with a 2019 Library piece, "Protecting What's Yours (While You're Alive)."

Categories: , , , , , , , ,

Protecting What’s Yours (After You Pass) Part 1  

April 29, 2021

Share this two-part piece on estate planning basics with clients and prospects. Part 1 is 464 words, and reminds readers how important it is to have a basic will or trust. Part 2 (coming soon) will offer step-by-step guidance on creating and maintaining an effective estate plan. Both pieces pair well with a 2019 Library piece, "Protecting What's Yours (While You're Alive)."

Categories: , , , , , , , ,

SPACS, NFTs, and Other Jungle Creatures  

March 11, 2021

Use this 1,117-word report to describe some of the latest trading trends to clients and prospects, put the activity in the context of similar historical runs, and explain why long-term investors should avoid the excitement of short-term speculation.

Categories: , , , , ,

GameStop Client Reach-Out  

February 1, 2021

Share this 855-word piece with clients and prospects to offer a synopsis (to date) of the unfolding marketing volatility generated by GameStop and similar short-sold stocks, and to remind them of the essential differences between long-term investing versus short-term trading.

Categories: , , , ,

An Evidence-Based Approach to ESG Investing: White Paper (UPDATED)  

December 21, 2020

UPDATED FROM JUNE-JULY 2017: This 2,300-word piece combines our UPDATED two-part ESG investing series into a single white paper, providing an informational overview of ESG investing in the context of evidence-based investment strategies. Use this paper (or the parts, in installments) to respond to client and prospect questions about ESG investing.

Categories: , , , , , ,

An Evidence-Based Approach to ESG Investing: Part 1 (UPDATED)  

December 21, 2020

UPDATED FROM JUNE-JULY 2017: This 930-word document is part 1 of a 2-part series, providing an UPDATED informational overview of ESG investing in the context of evidence-based investment strategies. Part 1 introduces a few key terms and summarizes how ESG investment priorities may vary depending on individual goals. Use this series to respond to client and prospect questions about ESG investing.

Categories: , , , , , , ,

An Evidence-Based Approach to ESG Investing: Part 2 (UPDATED)  

December 21, 2020

UPDATED FROM JUNE-JULY 2017: This 1,400-word document is part 2 of a 2-part series, providing an UPDATED informational overview of ESG investing in the context of evidence-based investment strategies. Part 2 explores how to quantify “doing good,” and explores the challenges and opportunities ESG investors face today. Use this series to respond to client and prospect questions about ESG investing.

Categories: , , , , , , ,

Six Financial Best Practices for Year-End 2020  

November 29, 2020

Share this 818-word piece with clients and prospects to offer six financial best practices for year-end 2020. This year's selection is based on some of the changes that took place in 2020, including charitable giving tax breaks, general tax-planning opportunities, altered lifestyle planning considerations, and more.

Categories: , , , , , , , , ,

Lump-Sum Investing vs. Dollar-Cost Averaging — Part 2: Actual Outcomes  

September 28, 2020

This 650-word document is part two of a two-part series comparing lump-sum investing to dollar-cost averaging. This first part describes why lump-sum investing is generally expected to deliver higher end returns. In part two, we cover why other issues may sometimes make dollar-cost averaging the preferred strategy anyway.

Categories: , , , ,

Lump-Sum Investing vs. Dollar-Cost Averaging — Part 1: Raw Returns  

September 21, 2020

This 610-word document is part one of a two-part series comparing lump-sum investing to dollar-cost averaging. This first part describes why lump-sum investing is generally expected to deliver higher end returns. In part two, we'll cover why other issues may sometimes make dollar-cost averaging the preferred strategy anyway.

Categories: , , , ,

“What Is Evidence-Based Investing?” Infographic  

August 25, 2020

This "What Is Evidence-Based Investing?" infographic illustrates the key differences between evidence-based vs. traditional active investing. Display this high-resolution PDF online, or print it as a 24" x 36" poster to display in your office. This generic, unbranded version is available to Content-Sharing Library members at no added cost. Members and non-members alike also can order a custom-branded version here: https://contentlibrary.thewritingcompany.com/infographic-what-is-ebi/

Categories: , , ,

Finding Your Fiduciary Financial Advisor (UPDATED)  

August 18, 2020

UPDATED FROM FEB. 2015: This six-page, three-part special report helps investors choose a fiduciary advisor, UPDATED for recent changes under Reg BI. Part 1 describes the broad financial environment and the importance of the fiduciary relationship. Part 2 covers additional qualities to seek, and Part 3 offers tips on how to review an advisor's credentials. Pairs well with the separate, July 2020 Library piece, “What Is Fiduciary Investment Advice?”

Categories: , , , , , , , , ,

What Is Fiduciary Investment Advice, and Why Does It Matter?  

July 31, 2020

Fully independent, fee-only RIA firms can share this 1,500-word report with clients and prospective clients to differentiate comprehensive fiduciary client relationships, vs. "incidental" investment recommendations under Regulation Best Interest (as of June 30, 2020). Pairs well with the separate, August 2020 Library piece, “Finding Your Fiduciary Financial Advisor.”

Categories: , , , , , , ,

Eight “Best/Worst” Wealth Strategies During the Coronavirus   Free Sample (Click on title to download)

June 28, 2020

Share this 833-word document with clients and prospects to cover eight of the most and least effective ways for they can spend their time and energy shoring up their financial well-being in the time of the coronavirus.

Categories: , , , , , , , ,

Understanding Sequence Risk in Retirement  

June 9, 2020

Use this 1,085-word report to introduce sequence risk to clients and prospective clients, especially those in or near retirement. Describes how the sequence in which retirees earn returns early in retirement can impact their lasting wealth, provides an illustration of the same, and suggests ways to manage sequence risk when it occurs. Download includes the report itself in Word, plus an Excel spreadsheet for advisor-only reference.

Categories: , , , , ,

How To Be Positively Skeptical | Part 4: Check the Facts Before You Act  

May 17, 2020

Use this third, 898-word installment of a 4-part series to help clients and prospects strengthen their ability to differentiate solid evidence from bogus claims, especially during the coronavirus crisis. Parts 1-3 described why it's important to be positively skeptical, how our emotions interfere with our reasoning, and what should guide our due diligence. Part 4 describes some of the practical steps involved and wraps with a call to action.

Categories: , , , , , , ,

How To Be Positively Skeptical | Part 3: How Do You Do Your Due Diligence?  

May 17, 2020

Use this third, 673-word installment of a 4-part series to help clients and prospects strengthen their ability to differentiate solid evidence from bogus claims, especially during the coronavirus crisis. Parts 1 and 2 described why it's important to be positively skeptical, and how our emotions interfere with our reasoning. Part 3 provides five “do’s” and “don’ts” to guide our due diligence, and Part 4 will offer some of the practical steps involved.

Categories: , , , , , , ,

How To Be Positively Skeptical | Part 2: Understanding Your Emotions  

April 29, 2020

Use this second, 844-word installment of a 4-part series to help clients and prospects strengthen their ability to differentiate solid evidence from bogus claims, especially during the coronavirus crisis. Part 1 described why the ability to be "positively skeptical" is important. This part 2 covers how to recognize when emotions are interfering with reason (and what to do about it). Parts 3 & 4 will help readers hone in on their fact-checking skills.

Categories: , , , , , , , ,

10 Things To Do Right Now While Markets Are Tanking (UPDATED)  

February 28, 2020

UPDATED FROM MARCH 2018: Use this 1,238-word handout with clients or prospects, to remind them during the current coronavirus-generated crisis of 10 judicious actions to take during scary markets, along with 10 insightful quotes from respected subject matter experts.

Categories: , , , , , , , , ,

How To Be Positively Skeptical | Part 1: The Benefits of Having a Doubt  

February 27, 2020

Use this first, 600-word installment of a 4-part series to help clients and prospects strengthen their ability to differentiate solid evidence from bogus claims. Part 1 describes why the ability to be "positively skeptical" is important. Parts 2 - 4 will cover how to recognize when emotions are interfering with reason, and how to hone one's fact-checking skills.

Categories: , , , , , , ,

You, Your Investments, and the Coronavirus (UPDATED)  

February 24, 2020

UPDATED 2/24: Use this 677-word client reach-out to remind your clients why they should avoid reacting to breaking news about novel coronavirus, at least as far as their investment portfolio is concerned. With minor modifications, the piece can also be used for general/prospecting purposes.

Categories: , , , , , ,

Three Upside-Down Investment Insights  

January 21, 2020

Share this 732-word piece with clients and/or prospects to cover three important, but counterintuitive investment insights: (1) market volatility is the norm, not the exception; (2) market volatility is a "frenemy" to investors; and (3) effective diversification means you'll always be holding some disappointing asset classes.

Categories: , , ,

You, Your Retirement, and the SECURE Act – GENERAL Audience  

December 24, 2019

Use this 1,300-word document to provide a GENERAL AUDIENCE with an overview of what to expect from the newly enacted U.S. SECURE Act -- emphasizing how you might assist them in applying the changes according to their best interests. Refer to separate piece tailored for CLIENT use.

Categories: , , , , , ,

Six Financial Best Practices for 2020  

December 8, 2019

Share this 869-word piece with clients and prospects to offer six financial best practices for 2020. This year's selection is based on some of the changes that took place in 2019, including TCJA tax tips, zero-commission stock and ETF trading, and more.

Categories: , , , , , , , , , ,

Why Safe Harbors Can Be Risky Business  

November 21, 2019

Use this 922-word article to remind clients and explain to prospective clients how to balance managing short-term market volatility risks with the long-term risk of inflation. It’s also risky to overweight a portfolio in "safe harbor" investments, and/or flee to the sidelines during turbulent times, just in a different way.

Categories: , , , , , ,

16 Things You Can Do To Prepare for the Next Recession  

October 18, 2019

16 things investors can do to truly strengthen their financial well-being, instead of engaging in market-timing in reaction to a potential recession. Share this 783-word overview with clients and prospects.

Categories: , , , , , , , , ,

FAFSA Application Advice for College-Bound Kids  

September 6, 2019

This 482-word message alerts parents and their college-bound children that there's no time to waste when submitting a Free Application for Federal Student Aid (FAFSA) application as soon as October 1 arrives. It describes how FAFSA works, and why time is of the essence.

Categories: , , ,

What Is Monte Carlo Analysis?  

August 23, 2019

This 1,000-word article in our "What Is ...?" series describes how investors can benefit from a Monte Carlo Analysis, includes caveats on best use, and provides a basic illustration on how it works. An accompanying Monte Carlo Sample pdf file provides the assumptions used in the illustration.

Categories: , , , , , ,

You, Your Financial Well-Being and the Federal Reserve (UPDATED)  

August 1, 2019

UPDATED FROM MARCH 2018: This 1,200-word piece puts the U.S. Federal Reserve's ongoing federal funds rate changes (especially the Aug. 1 2019 rate decrease) into sound, financial-planning context. Use this piece to inform prospects or clients about how the Fed operates, as well as what your role is in helping them manage debt, save, invest, and spend wisely through various interest rate climates and regardless of what lies ahead.

Categories: , , , , , , ,

Protecting What’s Yours (While You’re Alive)  

July 25, 2019

Use this 1,300-word article in its entirety or broken into three parts to cover three tools an individual can employ to protect their health and wealth care interests while they are alive: (1) the financial power of attorney, (2) the trusted contact, and (3) the healthcare advance directive (including a living will and healthcare power of attorney). Includes a summary, when each applies, common scenarios and additional tips for each.

Categories: , , , , , , , ,

The Viability of the Value Premium (Multi-Part Series)  

June 16, 2019

This multi-part series segments the full-length 1,765-word report on the viability of the value premium into five shorter, quick-read pieces. It covers the origins of the value premium, historical precedents, additional evidence that the value premium likely remains viable, and the role global diversification plays in managing risks and expected returns. The five parts are bundled into a single zip file for simplified download.

Categories: , , , , ,

The Viability of the Value Premium (Full Report Version)  

June 16, 2019

This 1,765-word document addresses investor concerns that the value premium may be "dead," since value stocks have underperformed growth stocks for approximately the past decade. It covers the origins of the value premium, historical precedents, additional evidence that the value premium likely remains viable, and the role global diversification plays in managing risks and expected returns.

Categories: , , , , ,

Good Advice (UPDATED)  

May 27, 2019

UPDATED FROM 2016: This 605-word piece reminds your clients and informs prospective clients that the best-interest advice you offer goes well beyond stock-picking tips. It reinforces why a good financial adviser remains relevant even as low-cost funds, automated investing and simplified financial planning are on the rise.

Categories: , , , , , ,

What Is Asset Location? (UPDATED)  

May 27, 2019

UPDATED FROM 2013: This 710-word article is part of our ongoing "What Is ...?" series. It defines asset LOCATION, differentiates it from asset ALLOCATION, and provides an overview of both its benefits and challenges. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

Categories: , , , , , , ,

What Is Liquidity?  

May 14, 2019

This 768-word article is part of our ongoing "What Is ...?" series. It defines liquidity, offers some approachable examples of how it works, and considers it within the context of an overall investment portfolio. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

Categories: , , , , , ,

Money Management Lingo  

March 27, 2019

This 860-word document provides a beginner's guide intro to some of the most common terminology advisors tend to use when introducing prospective and new clients to money management services. For example, it differentiates assets, funds, accounts and custodians -- explaining which roles each play. (Note: Non-U.S. advisors might want to swap out some of the examples with illustrations of their own -- such as referencing your country's tax-advantaged accounts rather than U.S.-based IRAs.)

Categories: , , , , , , , ,

What Is Asset Allocation?  

February 13, 2019

This approximately 750-word piece provides a working definition of asset allocation, to share with clients, prospects and others. It's the latest addition to an accumulating "What Is ...?" series, defining frequently used terminology for those who may not "just know" what it means.

Categories: , , , ,

Cover Intro for Dimensional 2018 Market Review  

January 8, 2019

This 565-word summary provides an introduction you can use to share Dimensional's 2018 Market Review, with an emphasis on remaining resolute and diversified during volatile markets. You can use the intro to be in touch with your clients or as a prospecting piece for those interested in evidence-based investing.

Categories: , , , , , ,

Five Financial Adages for Thriving in Volatile Markets  

November 19, 2018

This big, meaty, 2,000-word report takes a close look at why so many investors fail to adhere to five widely accepted financial adages (e.g., "buy low, sell high"), ESPECIALLY DURING VOLATILE/DOWN MARKETS. Use this report with clients or prospects -- either as-is, or as a drip communication or video series, sharing one adage at a time, over time.

Categories: , , , , , , ,

Protecting Your Child from Identity Theft (US Version)   Free Sample (Click on title to download)

September 24, 2018

Use this 600-word piece to alert clients and prospects to the growing threat of child identity theft: what it is, why it's happening, how parents can spot and prevent it, and what to do if it happens.

Categories: , , , , ,

Protecting Your Child from Identity Theft (Canadian Version)   Free Sample (Click on title to download)

September 24, 2018

Use this 600-word piece to alert clients and prospects to the growing threat of child identity theft: what it is, why it's happening, how parents can spot and prevent it, and what to do if it happens.

Categories: , , , , ,

What Is the Yield Curve? (Article)  

August 24, 2018

This 900-word "What Is?" article translates a tricky investment concept -- the yield curve -- to help clients and prospects alike appreciate the role it plays in their fixed income investing. (Look for the separate, Excel spreadsheet also available in the Content-Sharing Library if you need to directly access the Yield Curve diagrams displayed in this piece.)

Categories: , , , , , ,

What Is the Yield Curve? (Diagrams)  

August 24, 2018

An Excel file containing two diagrams -- Figures 1 and 2 -- found within the separate "What Is the Yield Curve?" article, also in the Content-Sharing Library. Download this Excel file if you need to directly access the Yield Curve diagrams displayed in this piece.

Categories: , , , , ,

Food for Thought: “Reducing the Risk of Black Swans” Book Review  

August 6, 2018

This 1,250-word book review of Larry Swedroe's and Kevin Grogan's book, "Reducing the Risk of Black Swans," will be useful for advisors who are introducing some of the newer factors and alternative investment strategies into their evidence-based investment portfolios. Share it with clients or prospects, along with the book itself, or use it as a summary for in-house reference.

Categories: , , , ,

What Is Correlation (and Why Would You Care)?  

May 30, 2018

This 1,000-word "What Is?" article translates a tricky investment term -- correlation -- to help clients and prospects alike appreciate the role it plays in portfolio construction.

Categories: , , , ,

A Focus on Fixed Income (UPDATED)  

April 27, 2018

UPDATED FROM SEPTEMBER 2015: This 1,275-word article covers the essential roles fixed income should play in an investor's portfolio, along with some of the basics on how fixed income differs from equity investing. It also reinforces the important role an objective advisor can play in building and managing fixed income investments. Use the piece for e-newsletters, e-mails, handouts and mailings, or to create video script for prospective or existing clients.

Categories: , , , , , ,

Charitable Giving Under the TCJA: An Overview of Sensible Strategies  

April 25, 2018

Use this 975-word overview to share four practical ways charitably inclined investors can still receive tax breaks on their charitable giving under the new U.S. Tax Cuts and Job Acts rules. This material can also be paired with the separate, February 2018 Content-Sharing Library piece focusing on Donor Advised Funds (DAFs).

Categories: , , , ,

10 Things To Do Right Now While Markets Are (Not Really) Tanking  

March 21, 2018

Use this 1,250-word handout with clients or prospects, to serve as a "safety drill" during calm markets, to help them prepare for staying the course during market downturns. The piece offers 10 judicious actions to take during bear markets, along with 10 insightful quotes from respected subject matter experts. You also can encourage readers to revisit the piece (or use it with a brief intro) the next time markets actually are tanking.

Categories: , , , , , , ,

Understanding the Donor-Advised Fund (DAF)  

February 25, 2018

Use this 1,300-word white paper to describe to prospects and clients why they may want to consider a DAF for charitable giving under the new 2017 Tax Cuts and Jobs Act (TCJA). The paper describes how tax-wise charitable giving has changed, where a DAF might fit in, how they work, and how to differentiate among them. The paper also emphasizes the value of working with a wealth advisor to assist in selection and set-up. This piece also pairs well with the April 2018 piece offering an overview of tax-wise giving under the TCJA.

Categories: , , , , ,

The Vital Role of Rebalancing (UPDATED)  

January 26, 2018

UPDATED FROM JUNE 2013: Use this 960-word document with clients or prospects to explain how your firm adds value by employing rebalancing as part of an evidence-based strategy. Properly implemented, rebalancing offers a disciplined, cost-effective approach to buying low and selling high and staying on track toward one's personal financial goals.

Categories: , , , , ,

Cover Intro for Dimensional 2017 Market Review  

January 9, 2018

This 500-word summary provides an introduction you can use to share Dimensional's 2017 Advisor Byline Market Review. You can use it to be in touch with your clients or as a prospecting piece for those interested in evidence-based investing.

Categories: , , , , , ,

Equifax Breach Commentary  

September 18, 2017

Use this 785-word client communication to comment on the recently announced Equifax security breach, offer guidance, and remind them of the timeless "Avoiding Financial Scams and Identity Theft Slams" materials you can share with them (also available in the Content-Sharing Library, under Technology). You may also wish to modify this piece to share with additional audiences.

Categories: , , , , , ,

Half of a Whole: When You Lose Your Spouse   Free Sample (Click on title to download)

July 21, 2017

This 900-word piece can be used as an article, email or video script to share with clients and prospective clients. It encourages those experiencing grief to hold off on making financial decisions that can wait, and offers supportive guidance to consider. It also encourages couples to complete their estate and advance planning if they've not yet done so.

Categories: , , , , , ,

Content from “What Is Evidence-Based Investing?”  

June 22, 2017

Available exclusively to Content-Sharing Library subscribers, this Word document provides the same talking points used in our recently released "What Is Evidence-Based Investing?" infographic/poster for use in other materials.

Categories: , , , ,

Introduction to “What Is Evidence-Based Investing?”  

June 22, 2017

Use this short, introductory message to share our recently released "What Is Evidence-Based Investing?" infographic/poster with clients, prospective clients and others.

Categories: , , , ,

“What Is Evidence-Based Investing?” Slideshow  

June 22, 2017

Designed to complement our recently released "What Is Evidence-Based Investing?" infographic/poster, this PowerPoint slideshow reiterates the same talking points for use in client, prospective client and other presentations.

Categories: , , , ,

Misperceptions About Market Corrections: Are You Prepared?  

June 4, 2017

This 750-word document can be used in letter, email, article or video script format to help clients and prospects prepare for any future market corrections following the current long stint of relative calm. It encourages readers to ensure their portfolio meets their long-term goals and risk tolerances. Choose from two calls to action at the end, depending on whether you're sharing it with clients or prospects.

Categories: , , , , , , , ,

An Index Overview | Part 4: Index Investing – Opportunities and Obstacles  

March 21, 2017

This 1,200-word piece is part four of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explored some of the idiosyncrasies inherent to indexes. This final part 4 explores how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Categories: , , , ,

An Index Overview | Part 3: Index Mechanics – Interesting Idiosyncrasies  

March 8, 2017

This 1,060-word piece is part three of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explores some of the idiosyncrasies inherent to indexes. The final part 4 will explore how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Categories: , , , ,

An Index Overview | Part 2: A Few Points About Index Points  

February 23, 2017

This 780-word piece is part two of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 takes a closer look at what index points measure and some of their inherent characteristics. Future parts will look at some of the strategies used to structure indexes, and how they are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Categories: , , , , ,

An Index Overview | Part 1: Indexes, Defined  

February 12, 2017

This 800-word piece is part one of a four-part series covering indexes and index investing. Part 1 defines indexes in general, summarizes key uses (benchmarking and index fund investing), and explains why milestones like the "Dow 20,000" should not be used to engage in market-timing. Future parts will take a closer look at some of the strengths and weaknesses inherent to indexes and index fund investments. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Categories: , , , , ,

Structured CDs — Buyer Beware!  

September 26, 2016

This 650-word article describes how structured or market-based CDs aren't the same as traditional Certificates of Deposit, drawing from a recent Wall Street Journal critique of their costs and conflicts of interest. Share with clients or prospects who may be tempted by the "low risk, higher return" promises without considering the complexities involved.

Categories: , , , ,

What If Everyone Were a Passive Investor?  

September 12, 2016

This 1,200-word report explores why we should not have to worry that passive (and evidence-based) investing may become ineffective if too many investors embrace a passive approach. It can be shared with clients and prospects as a timeless discussion, as well as to rebut the recent AllianceBernstein "Road to Serfdom" client note, suggesting that passive investing is "worse than Marxism."

Categories: , , , ,

Presidents, Politics and Your Portfolio: Thinking Beyond Stage One  

August 27, 2016

This 750-word article can be shared with clients or prospects who may wonder if there is something they should "do" with their investments as the November 8 U.S. presidential election date nears. It encourages them to stay true to their long-term investment strategies by thinking beyond the immediate news.

Categories: , , , , , ,

Parenting Your Wealth in Uncertain Markets  

August 12, 2016

This 1,000-word article compares good parenting skills to good wealth management, describing why patience is an investor's greatest virtue. Share with clients and prospects during this summer's unruly political climate or, with minor modifications, it can serve as a timeless piece to address any form of heightened uncertainty.

Categories: , , , , ,

Reflections on Real Estate Investing Report  

July 19, 2016

This 1,300 word report offers a timeless overview of the guiding principles for investing in real estate as part of an effective, globally diversified portfolio. Share the report with clients or prospects to explain how real estate investing may fit into their portfolio (in the form of low-cost, evidence-based REIT funds), and to offer caveats on how to manage the risks involved. [Note: A separate, intro cover letter also is available for advisers who may be receiving queries about the current (July 2016) sell-off of UK Open Ended Property funds.]

Categories: , , , ,

Survivorship Bias and Other Tricks of the Trade  

June 6, 2016

This 700-word article describes survivorship bias in performance analysis -- what it is, how common it is, and why an investor should care about it (as it can lead to overly optimistic return expectations). It wraps by pointing out how evidence-based advisors like you help investors separate biased data from solid results and invites them to be in touch with you to learn more. Use it to reach out to prospects and inform current clients.

Categories: , , ,

Our Mixed Up, Messed Up Relationship with Investment Risk  

May 11, 2016

As we swing into another summer of global events (such as the Cdn. Fort McMurray wildfire, UK Brexit and US elections), this article presents ways that investors tend to overestimate, underestimate, misunderstand and mistreat investment risks (both return-generating market risks as well as avoidable concentrated ones). Use this 1,000-word piece to explain investment risks to prospects and clients alike. Break each section into a series for video scripts or other uses.

Categories: , , , , , ,

Fixed Income Investing: What To Do in Lieu of Chasing Yield  

May 4, 2016

As follow-up to the Library's "Investing for Retirement Income" series, this 1,250-word piece explores how investors can optimize their fixed income investing without stretching for junk bond or dividend yields. It covers the role of the yield curve, laddering, using CDs/GICs, managing costs, revisiting asset allocations and (last but not least!) working with an experienced advisor to assist in all of these areas. Use this piece to help prospective and current clients better understand fixed income investing. It also will help explain why your advisor fees are the same when managing fixed income or equities. Managed properly, they both require significant care and expertise.

Categories: , , , ,

Good Advice  

February 11, 2016

This 675-word piece reminds your clients and informs prospective clients that the best-interest advice you have to offer goes well beyond what is often thought of as "advice" (i.e., stock tips and little more). It reinforces why a good financial adviser remains relevant even as low-cost funds, automated investing and simplified financial planning is on the rise, and especially during the turbulent market times we are currently experiencing. As such, this piece can be used as a timely response to current market volatility or as a timeless article for all market climes.

Categories: , , , , , ,

Three Key Investment Strategies Hidden in Plain Sight: #3 — INTERNATIONAL VERSION — Controlling Costs  

September 25, 2015

This 1,375-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. THIS UPDATED VERSION EXPLORES CONTROLLING COSTS WITH AN INTERNATIONAL PERSPECTIVE AND ILLUSTRATIONS. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Categories: , , , , ,

Three Key Investment Strategies Hidden in Plain Sight: #3 — Controlling Costs  

September 4, 2015

This 900-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Categories: , , , , ,

Three Key Investment Strategies Hidden in Plain Sight: #2 – Managing Market Risks  

August 11, 2015

This 700-word piece represents part two of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Categories: , , , ,

Three Key Investment Strategies Hidden in Plain Sight: #1 – Being There  

July 26, 2015

This 800-word piece represents part one of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Categories: , , , , ,

Greece  

June 29, 2015

Here is a brief, 375-word piece you can use to reach out to clients and prospects in an e-mail or mail distribution, advising them to the stay the course as the Greek debt crisis unfolds. It advises them on how to consider the event in the context of evidence-based investing and serves as a call to action to be in touch with you for additional assistance.

Categories: , , ,

More Evidence on the Evidence: An Historical Overview of Capital Market Theory  

June 27, 2015

This 1,400-word piece complements the recently released "Evidence on the Evidence" piece, which explored how to differentiate academic evidence from less substantive work. This follow-up offers a timeline of the most important academic findings, from MPT to the Three-Factor Model and into the future. It highlights the role you play as an adviser, helping your clients incorporate meaningful evidence into their ongoing investment discipline. Use this pair of pieces to inform clients or prospects about the benefits of evidence-based investing.

Categories: , , ,

The Evidence on the Evidence: How Do You Know What (and Whom) to Heed?  

June 10, 2015

This 1,000-word piece explores key differences between robust, peer-reviewed academic evidence and the less substantive information that tends to grab the bigger headlines. It also describes how you, as an evidence-based adviser, help your clients become better investors by understanding why the difference matters. Use the series to inform clients or prospects about the importance of evidence-based investing. This piece pairs well with the complementary article, "More Evidence on the Evidence," which offers an historical overview of landmark studies from MPT to the Three-Factor Model and beyond.

Categories: , , ,

Timeless Tips on Tax-Wise Investing: Part II  

May 17, 2015

This 700-word piece represents part two of a two-part series on tax-wise investing, covering year-round, tax-efficient habits investors can adopt for themselves, their tax-managed funds, their portfolio construction (asset location) and their financial team -- overseen by their tax-savvy wealth manager. Use the series to inform clients or prospects about the principles of tax-wise investing and the critical role you play as their tax-wise adviser.

Categories: , , ,

Timeless Tips on Tax-Wise Investing: Part I  

May 10, 2015

This 965-word piece represents part one of a two-part series on tax-wise investing, covering year-round, tax-efficient habits investors can adopt for themselves, their tax-managed funds, their portfolio construction (asset location) and their financial team -- overseen by their tax-savvy wealth manager. Use the series to inform clients or prospects about the principles of tax-wise investing and the critical role you play as their tax-wise adviser.

Categories: , , ,

Reflections on Robo-Advice  

April 22, 2015

This 1,200-word piece offers investors advice on how to assess the recent proliferation of robo-advisors -- differentiating the higher level of care available from dedicated human advisers, emphasizing the continued importance of an evidence-based investment strategy, and summarizing qualities to seek in any form of investment advice a family may be considering. Use the piece to inform clients or prospects or respond to their questions.

Categories: , , , ,

Fifty Years of Warren Buffett’s Wisdom  

March 24, 2015

This 900-word piece introduces Warren Buffett's March 2015 release of Berkshire Hathaway's 2014 shareholders' letter, with a sampling of Buffett insights on American enterprise, business management, wealth and investing, capital markets, risk management, ethics and human nature. As a special, 50th "golden anniversary" edition, the letter is a particularly good example of Buffett's timeless wisdom. Use this piece to reach out to clients and prospects in a letter, e-mail or video script of your own.

Categories: , ,

Cover Intro for Dimensional 2014 Year in Review  

January 14, 2015

Here's a 375-word letter or e-mail you can use to share Dimensional Fund Advisors' Advisor Byline 2014 Year in Review, now available from Dimensional's log-in site. The lead-in reinforces the importance of remaining globally diversified, of avoiding market-timing in response to near-term "winning" and "losing" asset classes, and to be in touch with you for assistance.

Categories: , , , ,

Timeless Investment Advice for Timely Market Troubles  

October 15, 2014

This 500-word e-mail can be used to reach out to clients or prospects about today's (October 15, 2014) market drop or repurposed as a follow-up (with minor edits to adjust to whatever happens next in the market). It empathizes with the pain that market drops can cause and reinforces classic themes such as the importance of taking a long-term, evidence-based approach to harnessing market volatility.

Categories: , , , ,

The Latest Reasons to Think, Act and Invest Like Warren Buffett  

March 5, 2014

This 575-word piece shares some "best-of" quotes ("Buffettisms") related to essential investment strategy from Fortune magazine's preview of Buffett's forthcoming annual shareholder's letter. The piece also can be used as a call to action inviting clients or prospects to be in touch with you for a copy of Larry Swedroe's quick guide: "Think, Act and Invest Like Warren Buffett." (Let me know if you'd like more information about ordering a version of Larry's book with a custom foreword authored by your firm.)

Categories: , ,

Combating Hidden Trading Costs: Here Be Dragons  

February 26, 2014

This 1,300-word article serves well as a stand-alone piece or to accompany our broader article, Cost Control: An Investor's Greatest Investment. The broader article provides an overview of various investment costs; this piece explores hidden costs in more detail: bid-ask spreads, market-moving costs and costs of moving to cash. It concludes with a reminder of the value your firm brings in identifying fund managers who effectively manage hidden costs. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients.

Categories: , , ,

Evidence-Based Investing vs. Indexing: Making a Good Thing Even Better  

February 7, 2014

This 1,000-word article describes advantages of evidence-based investment management over index fund investing (i.e., investing as applied by Dimensional Fund Advisors and similar fund managers). It positions passive/index fund investing as a good improvement over active management, with evidence-based investing as an even better approach. It does not mention Dimensional or any other fund manager in particular, instead covering broad principles. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients.

Categories: , , ,

Cost Control: An Investor’s Greatest Investment  

January 19, 2014

This 1,200-word article provides (1) an overview of transparent as well as hidden costs of investing and the impact they have on net returns, (2) strategies for minimizing those costs, and (3) the role an experienced, objective advisor plays in cost-effective fund selection, tax-management and investor discipline. The article concludes with a call to action, inviting readers to contact your firm for a complimentary analysis of their existing portfolio. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients. For a deeper review of hidden costs, consider also ordering "Combating Hidden Trading Costs: Here Be Dragons."

Categories: , , ,

Our Investment Strategy Overview  

December 16, 2013

This 1,400-word article provides a clear overview of our passive/evidence-based investment strategy. It differentiates your investment approach from that taken by most financial providers, without getting overly technical. It emphasizes the benefits and importance of (1) having a strategy to begin with, (2) having the right kind of strategy, and (3) accompanying it with fiduciary advice. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients. It also could provide solid talking points for your investment strategy website page (although I wouldn't recommend using the entire piece as a website page -- it's too long for that).

Categories: , , ,

A NEW Tradition: Family Wealth Planning Conversations  

December 13, 2013

This 530-word article invites families to take a fresh look at their family wealth conversations, while encouraging them to think of your firm as a resource to assist them with this and other family wealth management needs. Use this piece as a newsletter article, or it could be readily converted into a direct mailing to clients or prospects.

Categories: , ,

UPDATED: Market Mania and Investor Resolve  

October 11, 2013

We've updated this piece from an earlier version, created during the last period of steep market decline in June. This updated 800-word version provides calming, historic context and reminders of essential investment tenets for clients who may be second-guessing the current risk levels in their portfolio in light of the government shutdown and related events.

Categories: , , , ,

Think Twice Before Sinking Your Wealth Into an IPO  

September 23, 2013

This 830-word article describes why investors should avoid investing in Initial Public Offerings (IPOs) such as Facebook or, more recently (as of Sept. 2013), Twitter's proposed IPO. The article provides evidence on three reasons an investor is best off avoiding purchasing IPOs (or individual stocks in general): (1) stock-picking is a poor strategy to begin with, compared to MPT-based portfolio construction (citing a 2012 Markowitz interview), (2) individual investors tend to fare poorly in the IPO zero-sum loss game, and (3) IPOs have a track record for underperformance.

Categories: , ,

Avoiding Tracking-Error Regret  

August 13, 2013

This 630-word article defines tracking-error regret in approachable terms, and describes that one of your key roles as an advisor is to help your clients recognize and avoid succumbing to it. It defines tracking-error regret that occurs when an investor’s carefully designed portfolio underperforms its common benchmark. It offers a different (better) way to measure financial success — by focusing on personal goals and constructing the portfolio accordingly. It also offers a handy table that summarizes the key tenets of disciplined investing.

Categories: , , ,

Making Sense of Fixed Income  

July 18, 2013

The article briefly describes the current (July 2013) market, in which many investors are panicking and selling off their bond funds, and informs readers that you recommend against succumbing to that trend. It offers four “Guiding Rules” to explain a preferred strategy: (1) The importance of investing according to a personalized plan; (2) An overview of the role fixed income plays; (3) Possible actions that may be appropriate (such as portfolio analysis of non-managed assets, risk-tolerance assessment, and rebalancing opportunities); and (4) The critical importance of staying the course.

Categories: , ,

“Go With the Flow” Investing  

July 11, 2013

Introducing your investment experience as a point of distinction, this brief introduction compares investing to river rafting, in which it’s important to “go with the flow” rather than struggle upstream. You help your clients accomplish this through planning, education and application of evidence-based investment strategy, combined with portfolio management (including managing for risks, costs and hyperactive trading behaviors).

Categories: , , ,

The Art of Asset Location  

June 17, 2013

Remind your clients of this important way you earn your advisory fees, by providing them with: (1) a working definition of asset location, (2) an empirical assessment of the value it can bring, (3) several reasons why it’s best to work with a professional advisor to implement the strategy, and (4) understanding on how and why most investors are missing out on effective asset location … because they’re not working with you!

Categories: , , , ,

Assessing Advisory Fees  

June 5, 2013

Remind clients of the ways you earn your advisory fees, including: (1) Tangible Savings such as helping them stay the course, ensuring low-cost investing and ongoing tax management, (2) Subtle Rewards such as education, account management, wealth coordination and access to Dimensional funds, and (3) Immense Immeasurables, such as freeing their time to pursue their personal interests and ensuring smooth transitions when family money management roles shift.

Categories: , , ,

The S&P 500 Wheel of Fortune  

May 17, 2013

Purchase this 400-word document to use as timely, appropriate commentary on the S&P 500 Index’s recent (May 2013) all-time market highs. Remind investors that (a) an evidence-based portfolio already is positioned to capture market surges commensurate with the investor's goals and risk tolerances and (b) chasing past returns is counterproductive. The best advice is, as always, to enjoy the returns gained, but stay the course according to personal goals and risk tolerances.

Categories: , ,

Responding to Active Management News & Analysis   Free Sample (Click on title to download)

April 11, 2013

FIRST PIECE EVER PUBLISHED TO THE CONTENT-SHARING LIBRARY! This 650-word reach-out can be used to respond to miscellaneous active calls to action related to popular market trends, gloomy forecasts or other current or ongoing events. It thanks the individual for sharing the news, and provides them with two guidelines for properly assessing it: (1) Consider the credibility of the source. (2) Even if the source is credible, consider the worth of the news in relation to your recommended, long-term, passively minded investment strategy.

Categories: , , , ,

Back to top