A client recently told me that his CPA was “suspicious” of investment advisers who also sell insurance and investments (in other words, me). I could understand that suspicion (that is, superstition) if the “product” were shampoo or pharmaceuticals, for example. But as my first post on this subject proved, the manner in which an adviser […]

I have already given you the history of how paper fictions- corporations -came to acquire human rights intended only for living, breathing human beings (see the 11/9/09 post). Now, in a radical departure from 100 years of legal precedent, the Supreme Court has given corporations and unions virtually unlimited power to interfere in elections. So […]

Normally, that is true. Most- and I use that word accurately -investors create the illusion of asset diversification by having multiple fund companies or even multiple IRA custodians. But there is so much overlap that the whole shebang is at risk anyway: twenty virtually identical large cap funds held by 5 different fund families still […]

I got a nasty and obtuse letter from a California attorney threatening all kinds of things if I didn’t stop using the name “Silver Sage Advisers”. My doing so would apparently cause great harm to his client, who doesn’t even do business in Oregon under that name. Not really caring one way or the other, […]

href=”file:///C:%5CUsers%5Cgduell%5CAppData%5CLocal%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml” rel=”File-List”> 20 years ago I and my industry hounded everyone to defer as much income as possible to retirement because one’s income would be less and tax rates lower. Then 10-12 years ago I advised “tax diversification”, half your retirement money should be taxable, half tax-free. That way if your savings plans were successful, […]