I am a wealth preservation attorney, a CFP(r) professional and an Accredited Wealth Management Advisor (sm). I am also the managing member of InvestSense, LLC, an investment education firm. I previously served as a compliance director for several broker-dealers and as director of financial planning quality of advice for a large international insurance company. I have two blogs, one for public investors, "CommonSense InvestSense" (investsense.com), and the other for investment professionals and investment advisers, "The Prudent Investment Adviser Rules" (iainsight.wordpress.com). I am the author of "The 401(k)/403(b) Investment Manual."