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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."
Independent financial planner/advisor.
Bonds, Dividend stock ideas & income, ETFs, Gold, Mutual funds, Options, REITs, Retirement savings, Stocks - long, Stocks - short
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Blog provides information that allows investors to become more proactive in protecting their financial security by recognizing unsuitable investments and unsuitable investment advice. Our blog explains our proprietary metric, the Active Management Value Ratio, and shows investors, pension plan participants
and pension plan sponsors how they can calculate the metric themselves to determine the true "prudence" of an actively managed mutual mutual fund.
"The 401(k)/403(b) Investment Manual"
ERISA, the nation's leading law regarding pensions plans, requires that plan participants be provided with "sufficient information to make an informed decision" with regard to managing their pension accounts. In reality, neither pension plan sponsors nor plan participants are being provided with sufficient
information to properly protect their financial security. For example, both the Department of Labor (DOL) and ERISA have adopted modern portfolio theory as the appropriate standard for assessing the prudence of a plan sponsor's investment related decisions. The cornerstone of modern portfolio theory is factoring in the correlation of returns among investments to allow an investor to reduce the risk of significant losses. So plan sponsors should already have this information in choosing investment options for their plan and plan participants should be provided with the same information in order to avoid significant investment losses. But neither the DOL nor ERISA requires that plan participants be provided with such information. "The 401(k)/403(b) Investment Manual" discusses the information that plan sponors and plan participants truly need to make informed and intelligent decisions in managing their plan and their plan accounts, including the Active Management Value Ratio, a new metric that allows both plan sponsors and plan participants to evaluate the true cost of actively managed mutual funds, the most common investment options within pension plans.
Very interesting article. N...
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