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Category: The Financial Services Industrial Complex

The Twitter IPO: Are We Partying Like It’s 1999?

Today, at roughly 9:45 a.m., I’m walking in Ess Eff Sea Eh on 2nd Street at Mission, heading towards Market, and my cool-car detector fires off, as I see a red Ferrari convertible going through the intersection, headed towards 1st Street. This is the car:   That’s it, right down […]

Financial Advice for Normal Folks

Everyone should have access to financial advice, right? I think we can all agree on that — or at least we can agree that it would be a good thing if we all had some way to obtain financial advice. But the world in which we live does not offer […]

Top 10 Ways to Be Smart When Helping Loved Ones Journey Through the Medical Services Industrial Complex

One of the central roles of a financial planner is that of being a guide — of helping clients find and then take their own unique, and hopefully best and brightest, path through the external financial world out there. We are, after all, all of us forever in its force […]

Investing Is Simpler than You Think, Part 1: The Rise of Self-Directed Investing

I came of financial-career age at E*TRADE in the late 90s. The commercialization of the Internet was in its infancy back then, and so too was the world of online stockbrokers like E*TRADE and Schwab and Ameritrade and Datek (long ago hobbled and then subsumed into Ameritrade). At the juncture […]

Replacing “Assets Under Management Fees” with “Net Worth Under Management Fees”

The other day I asked a money manager I was getting to know whether his firm charged a lower fee for managing bond portfolios than it charged for managing stock portfolios. He said no — that his firm charged the same for both. I asked him about this because some […]