Black & White

Here are a few words to consider:

Clean or Dirty, Hot or Cold, High or Low, In or Out, Long or Short, Wet or Dry, Easy or Difficult, Fast or Slow, Good or Bad, Right or Wrong, Strong or Weak

You have a choice, and it’s black and white. Continue using an off-Wall Street commission-based advisor, agent, banker, broker, dealer, or financial planner, do it yourself, or use a true fiduciary-based professional. There is a limit on the amount of time, money, and energy we all have. We can use each wisely or foolishly.

Clean or Dirty

Do you want a clean and efficient true fiduciary-based investment advisor who is only compensated based on fixed cost investing (procedural billing) and time, or one who is conflicted by commissions, awards, and company trips for selling more?

Hot or Cold

Do you want an investment salesperson who is focused on what’s hot and cold, the latest and greatest, and frequently pitching the need to “move money now before it’s too late?” Instead, wouldn’t it make sense to use a process-based fiduciary.

High or Low

It makes sense sell high and buy low; however, in reality, it doesn’t occur for most investors.

U.S. Investors lost twice as much as the Standard & Poor’s 500 Index in 2018. The average investor loss 9.42%, compared to a loss of 4.38% for the S&P. The study showed that investors gained 1.8% in August when the market gained 3.26%. Then in October, investors lost 7.9% compared to a lost of 6.84% for the index. According to DALBAR research since 1994, “the average investor consistently earns much less than market indices.” In fact, year-after-year, DALBAR has found that investors are their own worst enemy by failing to exercise the necessary discipline to capture the benefits of buying low, selling high. In addition, not maintaining a long-term holdings for long-term objectives, and succumbing volatile strategies, such as market-timing and chasing past performance, are performance killers.

Emotions & Behavior

Our podcast is called Connecting Dots. Not only does this describe the forecasting method we utilize it also describes our belief that irrational actions taken by most investors is normal and to be expected. Because of our extensive practical experience, we blend the quantitative (numerical) with the qualitative (behavioral) for a process-based investment approach.


Dalbar was formed in 1976 and is an independent company that evaluates, audits, and rates business practices for customer performance, product quality and service. Money Magazine Article

People are not rational investors, more often, they are irrational and thus, robo-advisor based mathematical formulas cannot predict how individuals or groups of people will handle money. How Nobel winner Richard Thaler’s ideas can affect your wallet

Numbers do not tell the whole story, nor do words. While a picture may be worth a thousand words, there’s more to the story outside the frame of the picture and behind that which is covered up. Difference Between Qualitative and Quantitative Research