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The Full-Meal Deal of Diversification

Created on Wednesday, 03 December 2014. Posted in Content/our blog

... capturing diversified dimensions of global returns. In our previous blog, we explained why brokers or fund managers who are fixated on beating the market are likely wasting their time and your money. ...

Financial Gurus and Other Unicorns

Created on Tuesday, 04 November 2014. Posted in Content/our blog

... timer is a good idea. In fact, the evidence to the contrary is overwhelming. Star fund managers often fail to survive, let alone persistently beat appropriate benchmarks. A 2013 Vanguard Group analysis ...

Ignoring the Siren Song of Daily Market Pricing

Created on Tuesday, 21 October 2014. Posted in Content/our blog

... is what we'll call "The Barn Door Principle." By the time you hear the news, the market already has incorporated it into existing prices, well ahead of your ability to do anything about it. The proverbial ...

Jelly Beans and Investing Wisdom

Created on Friday, 05 September 2014. Posted in Content/our blog

... various conditions; time and again the group consensus has been among the most reliable counts. Now consider how group wisdom translates to the market's multitude of daily trades. Each trade may be spot-on ...

In Uncertain Markets, Beware of the Herd

Created on Tuesday, 12 August 2014. Posted in Content/our blog

...  By the time you're aware of good or bad news, the rest of the market knows it too, and already has incorporated it into existing prices. It's unexpected news that alters future pricing, and by ...

When a Broker is Your Retirement Nightmare

Created on Wednesday, 02 July 2014. Posted in Content/our blog

... in the Bloomberg story are a timely reminder to insist on a fiduciary relationship with any advisor. And get their fiduciary pledge in writing. To be even more confident, choose a fee-only registered ...

The Latest Reasons To Think, Act and Invest Like Warren Buffett

Created on Wednesday, 04 June 2014. Posted in Content/our blog

... business has done wonderfully over time and will continue to do so … The goal of the nonprofessional should not be to pick winners—neither he nor his ‘helpers’ can do that—but should rather be to own a ...

“Sell in May and Go Away”: It Rhymes, But It’s Wrong

Created on Tuesday, 13 May 2014. Posted in Content/our blog

... is obvious: Earn your higher returns during the traditionally “strong” half of the year, and then get out so that the “weak” half of the year doesn’t dilute those returns. But sometimes a great idea ...

Separating “Flash” from Substance

Created on Tuesday, 08 April 2014. Posted in Content/our blog

... model of perfection, where no investor has an unfair advantage over another? Clearly not. At the same time, the last five years have shown that the market can handsomely reward those who adopt a patient, ...

For What It's Worth: Assessing Advisory Fees

Created on Friday, 07 June 2013. Posted in Content/our blog

... our role as your fiduciary wealth advisor into three, “good, better and best” categories.   Tangible Savings (Good) As we’ve stated time and again, minimizing the costs of investing in our wild, ...

Sample Reports

Created on Thursday, 02 May 2013. Posted in Content/services

We provide online access so our clients can view their portfolio and it's performance any time, any place.  Below are a few examples of reports available to our clients in paper format and/or ...

Retirement Management

Created on Thursday, 11 April 2013. Posted in Content/services

... This is essentially the same process used by leading pension plans to determine if they are over- or under-funded at any given point in time.  And, for you, it's like looking at thousands ...

Align In The News

Created on Saturday, 06 April 2013. Posted in Content/resources

... about investing in tough economies.  The Oklahoman - April 2008 Do-it-yourself investing takes time, effort, discipline that many of us lack - Dennis Packard speaks with The Oklahoman about investing ...

The Align Difference

Created on Monday, 30 April 2012. Posted in Content/about

... our actual investment performance, net of fees.  Accordingly, at any given time, we are able to precisely document our historical investment performance over a variety of market conditions. Minimize ...

Our Time-tested Investment Philosophy

Created on Monday, 30 April 2012. Posted in Content/about

... Lower credit quality bonds are riskier than higher credit quality bonds. Time Risk:  Longer-term bonds are riskier than shorter-term bonds.   The retail financial services ...

Strategic Partners

Created on Monday, 30 April 2012. Posted in Content/about

... customized just for you.  However, you remain in control of your assets at all times because your accounts are held in your name with a major third party custodian such as TD Ameritrade or ...

Investment Management

Created on Monday, 30 April 2012. Posted in Content/services

Investment management is the astute management of investments over time to help achieve your financial goals. It requires financial advisors to have a deep understanding of their clients' most important ...

Important Disclaimer

Created on Monday, 30 April 2012. Posted in Content/main

... on the timing of deposits and withdrawals, as well as the use of asset classes and investments that are not part of our current portfolio allocations. Returns are time-weighted returns.  No current ...

Introducing the New Align Wealth Management Website & Blog

Created on Monday, 02 April 2012. Posted in Content/our blog

... at large. That gives us a lot of content in our existing library. Plus, we have plenty of plans for adding new insights over time. In individual investing as well as related financial planning efforts, ...

ALIGNING YOUR WEALTH WITH YOUR LIFE

Created on Tuesday, 24 May 2011. Posted in Content/main

In these challenging economic times, preserving and growing your wealth is a daunting task.  Investment fads, hidden fees, and rising taxes are relentless.  Many investors end up taking too much ...