I am a 35 year veteran retail broker. I manage individual and institutional money. I invented and have run a Value Model that identifies equities that are under- or over-valued for over 14 Years with 423 selections that have had only 23 losses. The objective is to provide inflation protection for pension and investment assets to help cope with continuously increasing life expectancies with a low risk level. Globalization, the internet and longer life expectancies dictate changes in how money should be managed. I am currently in the process of writing a book about my value model , how it works, and how the investment world we face has changed and how investment management techniques can be modified to adapt, earn excellent returns, and not expose capital to imprudent risks. My balanced accounts have averaged low 2-digit compound returns since Jan. 1, 2007 with roughly half of the money in cash almost the entire time and the rest investing using my Value Model.