Profit & Save
"HIDDEN FEES" you are paying every day:
"Hidden Fees" cost you money every day in lost returns on your investments. Investment accounts, Managed/Separate accounts, Retirement plans, Mutual funds, and Trust accounts all have multiple layers of FEES.
By law brokerage fees can be as high as 8.5% (non-regulated Hedge funds as high as 20%).
1. Proprietary fee (operating expenses) - Administration, Maintenance, Management & Trading fees
2. Proprietary 12b-1 firm fee (1%) - paid to Custodian, Firm and/or Advisor
3. Sales Charge / Deferred Sales Charge / Sales Charge (Reinvested Dividends) - Front loaded A Shares, Back-end loaded B Shares, & Annually loaded C Shares fees (up to 8.5% brokerage or 20% for non-regulated investments) - paid to Custodian, Firm and/or Advisor
4. Commissions, Redemption/Surrender/Withdrawal fees, Exchange fees, Annual Account Maintenance fees & Penalty fees (varies) - paid to Custodian, Firm, and/or Advisor
5. Fees - paid to Custodian, Firm, and/or Advisor
Our Fees are Transparent:
Our Fee-based planning is Transparent & Tax-deductible - costing you less.
1. Proprietary fee - Administration, Maintenance, Management & Trading fees
2. Our Fee
We recommend the BEST Products & Services we can find. We have NO direct relationship with proprietors.
Check your Investments inside your:
Retirement plans, Brokerage accounts, Trusts, 529 plans, Variable annuities & Variable insurance products.
If your investments rank below 3 (out of 5) on Morningstar you need to ask the seller why you own these underperforming assets.
Our Performance ABCs:
Modern Portfolio Theory (MPT) is known to every major Financial (and Educational) institution - but only provided to their best Clients. We provide MPT because irrefutable evidence has been gathered over the years (and a Nobel Prize awarded) - assuring all wealthy institutions and individuals to practice MPT in the management of their wealth.
Institutional investors separate themselves and their performance from individual investors. MPT provides YOU with the same advantages as Institutional investors. Investing without MPT is essentially gambling.
Portfolio growth and the power of compounding: Return on Investments (chart).
A) Imagine you invested $100,000 last year in ABC and it returned 50% ($150k); this year ABC lost 50% ($75k) - you lost $25,000. You also invested $100,000 last year in XYZ and it lost 50% ($50k); this year XYZ returned 50% ($75k) - you lost $25,000. Why have you lost both times?
Smart people learn to manage the risks (possible losses) in a portfolio because losses hurt more.
Build a portfolio full of Winners.
B) A stream flows through your "little town"; gold is discovered in the stream. How many days does it take thousands of people to find your stream?
The Dot.com boom of 2000 caught too many investors chasing too few profits.
Extraordinary returns are quickly Exploited.
C) Aside from the bills & change in our pockets (currency) all money is held in the accounts of some financial institution ("bank"). These "banks" have employees that work within miles of every profitable opportunity on earth (connected by telecomunications & the internet).
Everyday money COMPETES for opportunities that return Equal to or Greater than Government bonds. BEWARE of investments that sound too good to be true.
Investing vs gambling:
Investing is NOT gambling. Investing is participating in the American Dream. Investing is the ownership of equity and debt of our growing economy. Each year over ten Trillion dollars of assets are added to the world's wealth (estimated at over $250 Trillion). Participate and profit from understanding how to build your Best portfolio with our Help.
$50 million Lottery Prize, odds: 100 million to 1.
To pay out a $50 million Prize the Lottery must take in $100 million.
In a lottery the average payout is less than 50 cents for every $1 wagered (-50% return).
The Stock market returns on average more than 11% per year; the average
"investor" should receive $1.11 for every dollar invested (11% return).
With MPT you will have even HIGHER returns and LOWER losses (during market fluctuations). Your Portfolio should be like a "bank" - diversified. NOT like a "gambler" - picking heads or tails, with all of your money at risk of loss. Invest using MPT - stop gambling!
Buy Low - Sell High. Build a Highly-diversified portfolio.