Case Study: Here’s why your Risk Tolerance Questionnaire is failing you
Risk Tolerance is just half the picture Now is the time to reflect A questionnaire without Risk Capacity is a blunt tool! Risk Capacity + Risk Tolerance = Risk Profile...Read More
Great Recession Deja Vu?: What to say to ignore the peanut gallery
What do you tell fearful clients when they call to suddenly change their investment strategy because of the trending bearish media soundbite? Maybe it is easy to dismiss when the source is...Read More
Capture Your Client’s Risk Profile with the PCT Questionnaire
Sending a Risk Questionnaire First, Risk Tolerance Expanding the Picture with Risk Capacity So the Investor Completed the Questionnaire, Now What? Key Takeaways At Larkspur-Rixtrema, we know how important...Read More
Are You Capitalizing On Growing ESG-investing Popularity
What is ESG? Trendy, but Who Cares? Advisors are Missing the ESG Market. How Do Advisors Attract ESG Clients? We all can become complacent in our work at times....Read More
Case Study: Understanding Risk Capacity
Oftentimes, an investor may be especially averse to risk on an emotional level, but their need to take more risk in order to reach investment goals may be lost on them. Advisors need a way to reconcile this concept to their clients. How do you make a client understand this relationship between risk and return in a constructive way?
How Target Date Defaults Affect Equity Allocation Exposure
Money market funds used to be common default investments for 401k plans. More recently, it is becoming more common for target date funds to be the default investment of choice. While it might make more sense to use a TDF as a default, How Target Date Defaults Affect Equity Allocation Exposure takes an interesting look at the unintended consequences.
More Lawsuits Mean Even More Problems for Stubborn Plan Sponsors
Excessive fee lawsuits now are a common occurrence throughout the financial industry. Every week you can hear about a major university or company pension plan being sued by the participants. However, the one thing that keeps on surprising us is the stubbornness of the plan sponsors to understand during the committee meetings that their duty of loyalty is to the employees, not to the company.
What kind of risks do you need to take when it comes to planning retirement income?
Recent research from the Deloitte Center for Financial Services focused on retirement preparedness, showing a number of practical barriers that were either preventing or discouraging people from saving for long-term...Read More
Week of June 17, 2019
#6. – The 18-month recession that the United States experienced between December 2007 and June 2009 wiped out more than $7 trillion of real estate assets and stock portfolios. At the...Read More
Robo vs. Advisor
In the past few years, robo-advisory platforms gained a lot of traction in the world of financial planning. The first robo-advisory firms were launched in 2008 during the...Read More