Category: Outcomes

Behavioral Economics-A ‘Nobel’ Idea

For most of the financial services world, it has been clear for some time that humans are irrational and act in ways that are not conducive to their own financial wellbeing.  Much of our understanding can be credited to Professor Richard H. Thaler, a pioneer of the discipline...

The Low of Market Lows: Part 2

Staying Calm in Hazardous Conditions There is a common phrase in the world of finance that ‘you can’t eat risk-adjusted returns’. Most people understand investment returns—making or losing money. Few people understand standard deviation, volatility, and risk-adjusted returns. Investing toward a goal is very similar to a cross...

The High of Market Highs: Part 1

Shooting the Rapids Toward Retirement Whitewater rafting is an invigorating experience which draws a global delegation of adventure tourists to our mountain regions each summer. Like many thrill-seeking activities, the rush of shooting the rapids unleashes a full panel of “happy chemicals”— adrenaline, dopamine, and endorphins—which heightens our...

In the Sea of Sameness

In the sea of sameness set yourself apart and say something different. In an industry full of copycat products and similar solutions (albeit with different color schemes and logos affixed to the top of the proposals and marketing materials) consider offering something uncommon….. real value. We are open...

Climbing the Wall of Worry

“If you want to test your memory, try to recall what you were worrying about one year ago today.” – E. Joseph Cossma About this time last year, the S&P 500 plummeted over 10% in only four trading days.  On the worst of those four days, the Dow...

Managed Accounts are More Effective

Managed Accounts are More Effective Recently, PLANSPONSOR Magazine published their 2015 Defined Contribution Survey and in it was some very interesting data regarding managed accounts and outcomes.  One thing is very apparent in the survey; plans that use a managed account combined with an advisor acting in a...

The Self Help Aisle Will Never Go Away

Recently our Founder & CEO Dr. Greg Kasten was interviewed by U.S. News and World Report on the topic of Retirement Advice You Should Avoid. This subject is particularly relevant because it’s our opinion that participants aren’t suffering from a lack of advice or information. Our industry is...