Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth explores the critical role of media in uncovering financial advisor incompetence, schemes, and rip-offs that can undermine investor wealth.
Good investigative reporting is vital for investors, highlighting the dangers posed by unqualified or unethical advisors. This lesson provides essential knowledge on how such schemes work, how they can impact your portfolio, and the warning signs of bad advisor behavior. It also covers practical steps to protect your wealth by maintaining awareness, understanding fee structures, and identifying advisor conflicts. With insights on how to leverage media reports for your benefit, this guide arms you with the tools necessary to safeguard your financial future and avoid common advisor pitfalls. The lesson also covers the warning signs of bad advisor behavior and how investors can deal with advisor conflicts. Whether you're already working with an advisor or considering one, this lesson will help you make informed decisions to secure your wealth.
What You Learn From: Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
This lesson covers how to protect your wealth from bad advisor behavior, including knowing how schemes work and how to deal with advisor conflicts. It highlights the important role of media coverage serving the public interest and especially how investors benefit from independent media coverage. It also discusses how, why, and when investors can use media reports to improve their knowledge of investing. In addition, follow links at the end of the lesson to access related content.
FAQ About Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
Investors want to learn how to protect themselves and deal with a bad advisor. The following FAQ and answers about financial advisor incompetence help investors learn how these fit into the broader investment picture. Some answers do overlap which provides context within those related topics.
Are there reasons not to use a financial advisor?
Don't keep an advisor that is not working in your best interest.
The right financial advisor can be beneficial, but many need more essential investment knowledge. Your wealth is at risk with any advisor without expertise or qualifications.
Very few trained investment managers are financial advisors. Most are salespeople following management directions. That can mean advice and recommendations favoring the company over a client's best interests.
Even the contracts and documentation clients must sign protect the companies from fiduciary obligations but don't protect investors.
Investors need an advisor who works for them and has the investor's best interests in mind. The alternative, learning to manage your investments, requires time, knowledge, and effort.
How do financial advisors get paid?
Most financial advisors receive sales commissions, transaction fees, client account fees, and a share of other charges. Those charges split payments to mutual and other funds and financial service provider fees.Because advisors without fiduciary obligations receive a cut of the annual mutual fund fees, they often recommend them over lower-cost ETFs without those fees. That cost difference comes from investors' pockets and is why mutual funds produce lower returns than comparable ETFs.
While investors bear the total cost of losses, annual fees are deducted from their pockets regardless of the investment outcome.
Fee-only advisors offer an alternative to the annual % fee model.
How can brokers take client money?
Brokers seldom commit outright fraud or theft. However, they can take client money through increased costs that do not benefit clients. Churning, inferior products, and mutual fund loading are most common."Churn to earn" is how inferior financial advisors generate commissions from unnecessary trades. The trades generate commissions but give clients little or no benefit.
Second, selling inferior products to clients as "suitable" when better ones are available does earn advisors' fees and commissions, but the client gets a subpar performance.
Third, it is a common practice to load client accounts with high-commission mutual funds. Brokers and companies split high recurring fees when comparable ETFs can improve investor returns by up to 100%!
What are the signs of a bad financial advisor?
Trust your instincts when selecting a financial advisor. If you feel something is wrong, look elsewhere.
Avoid advisors who are not transparent about their fees or are unwilling to negotiate, as this is not in your best financial interest.
Effective communication means your advisor is available and responsive, and their explanations make sense to you. If not, consider other options.
While paying attention to negative rumors about an advisor is essential, verifying the information before making any decisions is equally important.
Never tolerate an advisor who intimidates, bullies, or disrespects you. If your advisor reacts negatively to your questions, find a new one.
Your money and future are at stake, so only settle for what feels suitable.
How do I deal with a financial advisor problem?
Think through the issue. Simply losing money on an investment is not grounds for a claim.
But if abused or wronged, you have options. First, try to resolve the issue with the advisor.
Document everything because you need a well-thought-through plan if the advisor does not resolve the issue. Write down your problem or complaint and record every contact and action you take.
Any misrepresentation of an investment can be a serious issue, as can any unsuitable investment. Contact the branch manager.
If that does not resolve the issue, file complaints with the company, the standards body of any professional organization, and the security commission.
Finally, you can hire an attorney and take legal action.
Should I talk to a financial advisor before investing?
If you need more time or knowledge, seek guidance from an advisor to invest well.Before making a decision, interview both fee-only financial planners and advisors to ensure the advisor you choose has experience dealing with clients like you.
Choosing an advisor with the expertise to create a plan and investment strategy that matches your circumstances, tax situation, and goals produces the best outcome. The best advisors help clients become more knowledgeable and successful investors.
Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth With a Step-by-Step Guide to Dealing With Advisor Problems
Dealing with a financial advisor problem can be challenging, but it's essential to take the reins and confront the issue to protect your financial interests. Here are the steps that empower you to resolve the problem:
Step 1: Identify the Problem
Clarify the Issue
Determine the specific problem you are experiencing with your financial advisor. Is it poor performance, lack of communication, high fees, or unsuitable investment recommendations?
Gather Evidence
Collect documentation such as account statements, emails, and notes from meetings to support your concerns.
Step 2: Communicate Your Concerns
Schedule a Meeting
Arrange a face-to-face or virtual meeting with your advisor to discuss your concerns directly.
Be Specific
Clearly articulate your issues and provide the evidence you've gathered. Ask for explanations regarding any decisions or actions that have caused concern.
Listen
Give your advisor a chance to respond and explain their perspective.
Step 3: Seek a Resolution
Request Changes
Ask for adjustments if the issue is related to specific investments or fees. For example, request a portfolio review or a reduction in fees.
Set Expectations
Clearly outline your expectations for future communication, performance, and services.
Get Agreements in Writing
Document in writing any agreements on changes.
Step 4: Consider a Second Opinion
Consult Another Advisor
Getting a second opinion can provide additional insight and help confirm whether your concerns are valid.
Compare Services
Evaluate the advice and services different advisors offer to see if a switch might be beneficial.
Step 5: Know Your Rights
Critical Knowledge
Evaluate the advice and service alternative to see if a switch might be beneficial. Understanding your rights is a crucial step when dealing with a financial advisor problem. This knowledge empowers you to take appropriate action and protect your financial interests.
Review Your Contract
Understand the terms of your agreement with your financial advisor, including any termination clauses.
Check Regulatory Bodies
Research the regulations and standards governing financial advisors in your location.
Step 6: File a Complaint
Formal Complaint
If you are dissatisfied with how your concerns are addressed, consider filing a formal complaint with the advisor's firm or a regulatory body.
Follow Procedures
Each regulatory body has specific procedures for filing complaints. Ensure you follow these steps carefully.
Step 7: Consider Switching Advisors
Evaluate Alternatives
If you are dissatisfied or the issues persist, find a new financial advisor or consider your alternatives.
Transfer Assets
Ensure a smooth transition by working with your new advisor to transfer your assets and accounts.
Alternatives
Consider financial independence by taking control of your account and financial future or using online or robo-advisors.
Tips for Choosing a New Financial Advisor
Check Credentials
Look for advisors with recognized certifications such as CFP (Certified Financial Planner) or CFA (Chartered Financial Analyst).
Understand Fee Structures
Choose an advisor whose fee structure aligns with your financial situation and preferences, whether fee-only, commission-based, or a hybrid model.
Research Reputation
Look for reviews, testimonials, and any disciplinary actions or complaints.
Interview Multiple Advisors
Meet with several advisors to find one who understands your goals, communicates effectively, and aligns with your values.
Take Action To Bring Any Problem To A Conclusion
Dealing with a financial advisor problem requires a proactive approach. You can take control of the situation by clearly identifying the issue, communicating your concerns, seeking resolutions, and knowing your rights. Feel free to find a new advisor who better aligns with your financial goals and needs or explore several alternatives. These steps will help ensure your financial future remains secure and well-managed.
When to Consider Using a Financial Advisor or Not
Understand the Pros and Cons of Making Informed Money Decisions. Indeed, while financial advisors can offer valuable expertise and guidance, there are situations where using one may not be necessary or advisable:
Cost
Financial advisors typically charge fees for their services, which can vary depending on the advisor's experience and the complexity of your financial situation. If you have a simple financial situation or can manage your finances independently, paying for a financial advisor may be a cost without benefit.
Self-education
With the abundance of resources available online and in books, some individuals prefer to educate themselves about personal finance and investment strategies rather than relying on a financial advisor. That can be a viable option for those with the time and inclination to research and make informed decisions independently.
Trust
It is crucial to have faith when working with a financial advisor. If you feel uncomfortable or lack confidence in the advisor's recommendations, it may be best to handle your finances on your own or find a different advisor whose approach better aligns with your preferences and goals.
Conflicting interests
Some financial advisors may have conflicts of interest, such as earning commissions from recommending specific financial products or investments. That can lead to biased advice that may not be in the client's best interest. It's essential to carefully vet any financial advisor and ensure they operate with transparency and integrity.
Limited assets or income
If you have limited assets or income, the cost of hiring a financial advisor may outweigh their potential benefits. Focusing on basic financial principles such as budgeting, saving, and debt management may be more practical in such cases.
Simple financial goals
If your financial goals are straightforward, such as saving for retirement through employer-sponsored tax shelter plans, you may not need the comprehensive services of a financial advisor. In these situations, using online calculators and basic investment principles may suffice.
Whether or not to use a financial advisor depends on your financial situation, goals, preferences, and comfort level with managing your finances. It's essential to weigh the potential benefits and costs carefully and make an informed decision based on what best meets your needs.
How Financial Advisors Get Paid: Understanding the Different Compensation Models
Choosing a financial advisor is a pivotal step in shaping your financial future. Yet, comprehending the compensation of financial advisors is equally crucial as the advice they offer. Different compensation structures can significantly impact the advice you receive, highlighting the importance of being well-informed about how they get paid. Understanding an advisor's compensation plan can help you decide in your best interest and align with your financial goals.
Commission-Based Compensation
Commission-based financial advisors earn a commission for selling financial products, such as equities, mutual funds, insurance policies, or annuities. This model can potentially lead to conflicts of interest, as commissions may incentivize the advisor to recommend products that earn them more, rather than acting solely in their client's best interest. If you choose a commission-based advisor, it's crucial to understand the products they sell and the reasons behind their recommendations.
Fee-Only Compensation
Fee-only advisors charge a fee directly to their clients for their services, thereby avoiding potential conflicts of interest. This transparent model ensures that the advisor's interests are fully aligned with the client's, as the advisor's income is not tied to product sales. There are several ways to structure fees, providing you with flexibility and confidence in your financial planning.
Hourly Rate
Clients are charged by the hour for the time the advisor spends working with them. This option can benefit individuals seeking targeted advice without continuous oversight.
Flat Fee
Clients pay a set fee for specific services, such as creating a financial plan. This straightforward and transparent model makes it easy to understand what you're paying for.
Percentage of Assets Under Management
Clients pay a fee based on a percentage of the assets the advisor manages, typically ranging from 0.5% to 2% per year. This model aligns the advisor's interests with the client's, as the advisor earns more when the client's portfolio grows.
Fee-Based Compensation
Fee-based advisors earn a combination of fees and commissions. They charge clients a fee for their advice and earn commissions on their financial products. This model can provide a broader range of services, but it also has the potential for conflicts of interest, similar to the commission-based model. For example, an advisor may recommend a product that offers a higher commission, even if it's not the best fit for the client. Transparency is vital; ensure your advisor discloses all potential conflicts.
Salary-Based Compensation
Some financial advisors work for financial institutions and receive a salary. They may also receive bonuses based on performance metrics or the profitability of the financial products they manage. Not directly tying the advisor's income to product sales provides stability and reduces conflicts of interest.
Retainer-Based Compensation
Some advisors charge a regular retainer fee, which can be monthly, quarterly, or annually. A retainer fee is a fixed amount of money paid in advance for advisory services. This fee covers ongoing advisory services and support. A retainer-based model can benefit clients who need continuous advice and support throughout the year.
Making the Right Choice
When selecting a financial advisor, it is crucial to understand the compensation structure. This understanding ensures that the advisor's interests align with your financial objectives and values and that their recommendations are in your best interest. Here are a few considerations to help you make the right choice:
Ask About Fees
Always ask potential advisors to explain their fee structure in detail. This will help you understand what services are included and any additional costs you might incur.
Check for Conflicts of Interest
Ensure your advisor discloses any potential conflicts of interest. A conflict of interest occurs when an advisor's personal interests or affiliations could compromise their professional judgment. Knowing the compensation plan can help you determine whether their recommendations are in your best interest.
Consider Your Needs
Different compensation models work better for other needs. For instance, an hourly rate might be best if you need specific advice without ongoing management. A retainer-based advisor could be a better fit if you prefer continuous support.
Choosing the right financial advisor is a significant decision. By understanding the compensation plan, you can make a more informed choice that aligns with your financial goals and helps you build a secure financial future.
Financial Advisor: Yes or No
Deciding whether or not to use a financial advisor depends on various factors, and there are valid reasons to use and these reasons why someone might choose not to use a financial advisor:
1. Cost
Financial advisors charge fees for their services, like flat fees, hourly rates, or a percentage of assets under management. People managing their finances avoid these costs.
2. Ability and Knowledge
Self-directed investing has become more accessible with online resources and educational materials, allowing individuals to feel confident in managing their finances and investments.
3. Trust
Trusting your financial advisor is crucial for managing finances. However, negative experiences or doubts about their ability can lead some to learn to manage their finances independently.
4. Control
Managing your finances gives you complete control over your investment decisions and financial planning, which some people prefer rather than delegating decisions to a financial advisor.
5. Interest
Some people find fulfillment in researching investments, analyzing market trends, and making financial decisions of personal interest.
6. Simplicity
Hiring a financial advisor may seem unnecessary for individuals comfortable managing relatively straightforward financial situations without the cost or advice of professional assistance.
7. Preference for Passive Investing
Investors using passive investment strategies, such as investing in index funds or ETFs that require less active management, may get little benefit from a financial advisor.
8. Distrust of the Financial Industry
The financial industry has burned many bridges, leaving people distrusting and avoiding financial advisors.
Before deciding whether to work with a financial advisor, it is crucial to consider various factors and weigh the advantages and disadvantages. As each individual's financial situation, goals, and preferences are unique, what works for one person may not work for another. Therefore, evaluating your specific financial situation and goals is essential before making any decisions.
Investigative Reporting is Essential When Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
Wise investors are grateful for good media work. An example is a report that exposed colossal financial advisor incompetence. This was hidden camera documentation in the consumer information show, Marketplace on CBC TV in Canada called, Show Me The Money, by hostess Erica Johnson. This 22 minutes of must-see TV helps inform investors of financial advisor misses, mistakes, and rip-offs that risk wealth.
Erica Johnson CBC Marketplace hostess
It's important for stock market investors to be aware of financial advisor incompetence and schemes that can seriously undermine the investor's wealth. The media has done a great job of exposing these issues.
Undercover cameras
A fitness instructor pretending to be a person with no financial knowledge goes undercover seeking money advice. In the scenario, she inherits $50,000 cash, has a family income of $102,000, a mortgage of $74,000, and a credit line of $25,000. She has no financial experience so seeks professional advice.
Anyone with financial knowledge will be horrified by what she records. It demonstrates some of the many conflicts of interest that the financial industry and financial advisors have. For example, financial advisors can make more money by exposing their clients to more risk. In this case, they even suggested investing could be a free ride!
One investor's experience with financial advice led to financial ruin and the loss of both his home and marriage.
In the Marketplace segment, you can watch how media exposes advisor incompetence. You learn of many risks and misses that await the uninformed investor in that short period. Visit the link above to watch outrageous promises, misinformation and appalling financial advisor incompetence.
Use quality financial advisors and planners
Do not let this lesson, Media Exposes Advisor Incompetence, keep you away from financial advisors. There are quality, competent financial advisors and financial planners that are well worth their fees. Unfortunately, there are far too many that are not. Some are outright rip off artists, others incompetent and some even dangerously ignorant. Too many do not know investing basics let alone how to invest well or what advice to give.
Inform yourself, watch the Show Me The Money episode.
Avoid problems - Pick the right advisor
Investors must be active partners in a relationship with an advisor. That means speaking up and asking questions. Investors must speak up when they do not understand an investment. Doing that allows a responsible advisor to ensure an investment is fully understood before buying it for the client.
The very best way to avoid financial advisor incompetence is to do your research and check an advisor's background for any disciplinary issues. Then, be honest about what you do and do not understand, inform yourself and keep up to date about financial advisor schemes and how they work. Always remember, caveat emptor, in a buyer beware world, be the aware, informed buyer.
How bad advisors pick investor pockets
Investors that do their homework and research the background of any prospective advisor can avoid most advisor mistakes, missteps, commission schemes and rip-offs. Being aware of bad advisor behavior helps investors recognize when to take action to protect themselves and their accounts. Read on to learn the most common bad actions.
Four bad advisor behaviors
Bad advisor pocket picking uses four strategies: churning, selling dividends, breakpoint plays and unsuitable transactions.
Churning
This bad advisor behavior is a well-established way to work a client account. The “churn to earn” strategy lines advisor pockets with commissions on unnecessary trades that deliver little or no benefit to the client. Bad advisors can continually propose more trades as their answer to any and every inquiry or client issue.
Selling Dividends
Clients are advised to buy a stock or mutual fund now, before an ex-dividend date. The client is urged to pick up easy “profit” by collecting the pending dividend. But the advisor does not point out the typical stock or mutual fund declines by the amount of the dividend on the ex-dividend date. That means buying produced no real return and may produce a tax liability. Either way, the client loses a little or a little more, but the advisor pockets more commission.
Breakpoint Plays
Fund companies such as mutual funds often offer lower sales charges to investors that buy more. In effect, those breakpoints discount the sales charge to encourage investors to buy more. That discounted charge also lowers the advisor’s commission percentage. Bad advisors avoid the fee discount by making multiple fund purchases to keep all funds below the breakpoints. As a result, their clients never benefit from sales charge discounts.
Unsuitable Transactions
This is the catchall of bad advisor behavior. Unsuitable transactions are pocket picking moves that have not considered or have simply ignored the client's circumstances or investment objectives. Advisors should make investment recommendations that fit the needs of clients. Bad advisors simply don’t do that part of their job. Bad tax moves, inappropriate risks, over exposure or concentration in one security, and illiquid investments are the most common unsuitable transactions.
Being account aware avoids bad advisor issues
All investors should be account aware to know and understand what is in their accounts. That does not mean daily reviewing of the account, but it does mean regular check-ins to keep up with what is going on. Being aware of accounts and carefully examining investment proposals avoids most broker frauds.
Understanding options to advisors
There are advantages, disadvantages and options when considering a financial advisor.
The financial advisor downside
Using a financial advisor has some disadvantages. There is a risk that the advisor lacks the knowledge or qualifications to properly manage your wealth. Furthermore, financial advisors may be more concerned with meeting the goals of their company than with meeting your needs as an individual investor. Few financial advisors have fiduciary duties to their clients, which means they are not obligated to act in your best interests. The companies and their employees including the advisors hide behind contracts and documentation. That paperwork is written between you, your financial advisor, and the company and usually benefits the company more than the investor.
However, avoiding a bad advisor by investing on your own has challenges. To invest well without an advisor takes time, knowledge, and effort. There are other ways but doing your homework is a good start. Research can uncover good advisors and satisfied clients. Any investment in knowledge and research pays off with a lifetime of returns. So, taking the time and effort needed to check references and background is well worthwhile.
Most financial advisors receive limited initial training
In most cases, financial advisor training focuses on serving the best interest of the company rather than the best interest of the clients. Limitations of initial training include,
- Trained to sell, follow orders, policies, and company recommendations.
- Not educated in investment skills.
- Focused on product knowledge not investment knowledge.
- Paid to produce revenue for the company, not paid by client results.
Contracts and agreements provide liability shields
In most cases, in most markets, financial service companies get clients and employees to sign contracts and agreements that provide liability shields for companies and advisors.
- The suitability standard avoids any fiduciary obligation to clients.
- Suitable investments are appropriate for the investor's circumstances.
- Suitability has no obligation to provide what is in the best client interest.
- Suitable investments may have more cost and commission than alternatives.
- In contrast, fiduciaries have legal and ethical obligations to act in the best interest of the client with full disclosure and honesty.
Consider the fee-only advisor option
As always, investors with knowledge do best. That includes knowing about fee-only advisor and financial planner services. You can use them as helpful sources for your education and development as an investor.
How is fee-only advice different?
Fee-only financial professionals are fiduciaries and professionally qualified in most jurisdictions. They provide transparent, conflict free, objective advice. But there are cons. Fee-only is not a full-service shop, the service usually costs more initially but overall can be a small fraction of the alternative cost. You may get excellent advice and a plan, but must execute the plan yourself or find needed products or services elsewhere.
Most financial advisor compensation alternatives are built around sales commissions and annual fees based on account totals. While the front-end cost can be lower, the annual fees can be a significant portion of returns. Many alternatives are not fiduciaries, have conflicts, and may be less qualified. To be sure, always ask.
A fee-only service ensures advice and recommendations can be trusted. Such service providers have no financial incentive to sell you one or any product over another. In contrast, commissioned advisors or bank employees have at least some conflicts of interest.
Paying a fee-only financial planner to create a plan and get you started can be a great way to get established as an investor. Their service packages have a range of costs which do vary depending on the services you need.
Signs, signals and bad advisor warning
It's your money! If an advisor and their company make more money off your money than you are, or you have no return, something is seriously wrong! Yes. they are in it for the money, but if that is not also working for you, it is time to find a new advisor. So, we need to know what to look out for.
Signs of a bad financial advisor
Bad financial advisors indicate they may not have the client's best interest at heart when they put out signs wise investors avoid. Such as:
- 1Having no, or part-time, fiduciary obligations (falling back to the suitability standard).
- 2They are paid from multiple sources (conflicts).
- 3Their fees are high and inflexible.
- 4They claim to offer exclusive services and products.
- 5Their plan is one approach and one size fits all without customization.
- 6They don't contact you unless you contact them first.
- 7You or your spouse are ignored or feel ignored.
Financial advisor checklists
Checklists can be helpful when dealing with financial advisors, investments, and investing.
Financial Advisor/Planner question checklist
Ask yourself:
- What are you looking for from a financial advisor?
- Do you want help creating an investment strategy?
- Do you need tax guidance?
Ask a prospective advisor:
- Do you work with clients like me?
- What portion of your clients are like me?
- How much do you charge?
- How do you charge?
- Do you make money from investments that I buy?
- What services do you offer? Planning? Active management?
- How often do you meet with clients?
- How often do you review the portfolio?
- How do you contact clients?
- Are there limits on how often I can contact you?
Checklist of financial advisor rip-offs
In most cases, both a financial advisor and the company they work for collect fees and commissions based on what you buy. If you are aware of this and agree to it, fine. But if that is news to you, or you learn that they also get paid from other sources, reconsider. You may want to check the understanding and expectations you have in your relationship. Consider these points:
- Has your financial advisor explained in writing how they get paid?
- Does your financial advisor know you?
- Do they claim to outperform?
- Do you infrequently hear from them?
- Do they only sell you mutual funds?
- Do they only contact you to sell something?
- Do they provide a written financial plan?
- Do they have more than minimum qualifications?
- Do they only sell products from their company?
- Do they have hot stock tips?
- Do they review results against benchmarks?
- Are results your net return after all cost?
- Are there any trailer fees on your account?
Takeaways From Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
Investors benefit from media coverage that improves their knowledge of investing. Being informed of advisor misses, mistakes, schemes and rip-offs helps investors defend themselves and their investment wealth. The lesson takeaways include,
Share: Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
Buttons at the bottom of the page let you send this lesson to family and friends!
Subscribe free and get White Top Investor lessons in your inbox!
Make money work for you by knowing how investors think, feel and act. Learn here The Investor Mind.
White Top Investor website layout and organization: click here.
Course links to White Top Investor lessons.
You May Also Like These Other Lessons Related to: Media Exposes Financial Advisor Incompetence: How to Protect Your Wealth
Smart investors use smart diversification
Investing time or advisor time
Comments and questions welcome
Email me at [email protected].
Make money work for you
Use White Top Investor lessons to learn investing. By doing that you can grow into a knowledgeable, comfortable and confident investor. To learn how, you can learn investing one small step at a time at your own pace. Do that and become the master of your financial security and independence. White top Investor never sells or shares our email list. Learn more.
Choices to make money work,
lesson links:
Overview of investment choices Lesson 290.01
Key investing success choices Lesson 290.02
Join exceptional wealth builders Lesson 290.03
Investing time or adviser time? Lesson 290.04
Media exposes advisor incompetence Lesson 290.05
Small investors have advantages Lesson 290.06
5 Secrets of superior investors Lesson 290.07
Avoid 6 investing sins Lesson 290.08
Investment impatience destroys wealth Lesson 290.09
3 Yeses or no investment Lesson 290.10
Investing can be fun, interesting and slow Lesson 290.11
Warren Buffett explains gold Lesson 290.12
Stock trading halts explained Lesson 290.13
FAQ about money making investment choices Lesson 290.14
FAQ about financial and investment advisors Lesson 290.15
Next lesson:
Small investors have advantages
Have a prosperous investor day!
Bryan
White Top Investor
[email protected] WhiteTopInvestor.com
Let’s connect, follow me; Twitter LinkedIn Facebook
Image courtesy Unsplash and FreeDigitalPhotos.net
Lesson code: 310.03.
Copyright © 2011-24 Bryan Kelly
WhiteTopInvestor.com
