Tag Archives: Registered Investment Advisor

Rising life expectancy increases the probability that retirees may outlive their savings if portfolios are not managed efficiently and with discipline. This article outlines some practical considerations for selecting a financial advisor, including fiduciary standards, compensation structure, professional credentials, investment philosophy, and regulatory history. Investors who apply structured evaluation criteria may reduce conflicts of interest and improve long-term retirement outcomes through disciplined portfolio management and professional oversight.

Determine whether you have the time, discipline, and emotional make-up to handle your own finances. Most people think they can succeed on their own, much like the vast majority of people think they are above average drivers. The data shows a different fact pattern. An 18 year study compiled by legendary Vanguard Group founder, John Bogle has shown that the average investor gets destroyed not only by fees, taxes and transactions costs, but also more importantly due to emotional errors and lack of investing discipline. Words: 847