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Tag: AUM fees

Beautifully Designed 401k Plans: Rare as Hen’s Teeth

As a financial planner, I’ve seen many a 401k plan in my day, and I’m here to tell you that the vast majority of them are not pretty, while some are even downright ugly. Admittedly, that’s a mighty broad brush full of awfully harsh words, and I’d surely prefer to […]

Language Fail in the Land of Financial Planners: The Smooshing Together of Financial Planning and Investment Advising

Hey kids! The FP50IBD for 2014 is out, and it’s a real humdinger! What’s that you say? You’re wondering what that nasty looking little squirt and a half of letters and numbers all strung together in that first paragraph means, are ya? Please allow me to introduce . . . […]

The Fee-Only vs. Fee-Based Financial Planner Dustup: Much Todo About Something?

Quick: what’s the difference between a “fee-only” financial planner and a “fee-based” financial planner? You haven’t a clue, right? Well, that means that the financial planning community hasn’t done a great job educating the public at large about what these labels mean, which is too bad because helping the public […]

Self-Employed People Almost Always Underprice their Services

I help people improve their overall financial health, wherever that task might lead, and, since a lot of my clients are self-employed people, I help a lot of them improve their self-employed financial health, i.e., I provide business consulting services to them. This can range from helping them decide whether […]

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 […]