An Evidence-Based Approach to Sustainable Investing Part III: Sustainable Investing Today  

Created: July 16, 2018

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Description: This 1,125-word document is part III of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Use this series to respond to client and prospect questions about sustainable investing. Part III explores the challenges and opportunities sustainable investors face today and moving forward, especially with respect to developing strong company reporting standards.

Quarterly Client Letter — 2018 Q2  

Created: July 3, 2018

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Description: This 400-word quarterly client letter reflects on the mixed bag of scary and enticing market news from the quarter, encouraging clients to stay on course with their well-built portfolio to maintain the highest odds of achieving their personal goals.

An Evidence-Based Approach to Sustainable Investing, Part II: Degrees of “Doing Good”  

Created: June 18, 2018

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Description: This 700-word document is part II of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Use this series to respond to client and prospect questions about sustainable investing. Part II explores how to quantify “doing good,” and shares ideas on how to invest in ways that best balance an investor's financial goals with their personal values.

An Evidence-Based Approach to Sustainable Investing, Part I: Setting the Sustainable Stage   Free Sample (Click on title to download)

Created: June 18, 2018

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Description: This 500-word document is part I of a three-part series, providing an informational overview of sustainable investing in the context of evidence-based investment strategies. Part I introduces a few key terms and summarizes how sustainable investment priorities may vary depending on individual goals. Use this series to respond to client and prospect questions about sustainable investing.

What Is Correlation (and Why Would You Care)?  

Created: May 30, 2018

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Description: This 1,000-word "What Is?" article translates a tricky investment term -- correlation -- to help clients and prospects alike appreciate the role it plays in portfolio construction.

New Client Welcome Letter/Email and Fact Sheet  

Created: May 8, 2018

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Description: Customize these templates -- a brief letter/email and fact sheet -- to welcome new clients to your firm, remind them of their next scheduled meeting with you, and provide key contact information.

A Focus on Fixed Income (UPDATED)  

Created: April 27, 2018

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Description: UPDATED FROM SEPTEMBER 2015: This 1,275-word article covers the essential roles fixed income should play in an investor's portfolio, along with some of the basics on how fixed income differs from equity investing. It also reinforces the important role an objective advisor can play in building and managing fixed income investments. Use the piece for e-newsletters, e-mails, handouts and mailings, or to create video script for prospective or existing clients.

Charitable Giving Under the TCJA: An Overview of Sensible Strategies  

Created: April 25, 2018

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Description: Use this 975-word overview to share four practical ways charitably inclined investors can still receive tax breaks on their charitable giving under the new U.S. Tax Cuts and Job Acts rules. This material can also be paired with the separate, February 2018 Content-Sharing Library piece focusing on Donor Advised Funds (DAFs).

Quarterly Client Letter — 2018 Q1   Free Sample (Click on title to download)

Created: April 2, 2018

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Description: This 500-word quarterly client letter reflects on the recent uptick in market volatility, encouraging clients to be in touch with you if they need a "pep talk," a shift in their investment plans, or both.

10 Things To Do Right Now While Markets Are (Not Really) Tanking  

Created: March 21, 2018

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Description: Use this 1,250-word handout with clients or prospects, to serve as a "safety drill" during calm markets, to help them prepare for staying the course during market downturns. The piece offers 10 judicious actions to take during bear markets, along with 10 insightful quotes from respected subject matter experts. You also can encourage readers to revisit the piece (or use it with a brief intro) the next time markets actually are tanking.

You, Your Financial Well-Being and the Federal Reserve (UPDATED)  

Created: March 14, 2018

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Description: UPDATED FROM DECEMBER 2015: This 1,250-word piece puts the U.S. Federal Reserve's ongoing federal funds rate changes into sound financial planning context. Use this piece to inform prospects or clients about your role in helping them manage debt, save, invest, and spend wisely through various interest rate climates and regardless of what lies ahead.

Understanding the Donor-Advised Fund (DAF)  

Created: February 25, 2018

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Description: Use this 1,300-word white paper to describe to prospects and clients why they may want to consider a DAF for charitable giving under the new 2017 Tax Cuts and Jobs Act (TCJA). The paper describes how tax-wise charitable giving has changed, where a DAF might fit in, how they work, and how to differentiate among them. The paper also emphasizes the value of working with a wealth advisor to assist in selection and set-up. This piece also pairs well with the April 2018 piece offering an overview of tax-wise giving under the TCJA.

The Current Market Decline in Context  

Created: February 5, 2018

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Description: This 430-word message is optimized for reaching out to your clients about the current market decline. It encourages them to stay the course according to their personal plans (unless their own goals have changed). It also reflects on how market drops are normal, and how popular headlines are often designed to grab attention rather than inform readers. The message can be modified to share with prospective clients or for other purposes.

The Vital Role of Rebalancing (UPDATED)  

Created: January 26, 2018

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Description: UPDATED FROM JUNE 2013: Use this 960-word document with clients or prospects to explain how your firm adds value by employing rebalancing as part of an evidence-based strategy. Properly implemented, rebalancing offers a disciplined, cost-effective approach to buying low and selling high and staying on track toward one's personal financial goals.

Cover Intro for Dimensional 2017 Market Review  

Created: January 9, 2018

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Description: This 500-word summary provides an introduction you can use to share Dimensional's 2017 Advisor Byline Market Review. You can use it to be in touch with your clients or as a prospecting piece for those interested in evidence-based investing.

Quarterly Client Letter — 2017 Q4  

Created: January 1, 2018

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Description: This 425-word, fourth quarter client letter reminds clients of the importance of adhering to their Investment Policy Statement using disciplined rebalancing in the context of strong 2017 market returns.

Year-End Reflections on the New U.S. Tax Law  

Created: December 21, 2017

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Description: Use this 550-word client message to reach out to clients about the U.S. tax law changes, to remind them you're available to assist and to suggest potentially advantageous actions they could take before year-end -- such as increasing charitable contributions or shifting taxable income into 2018.

Ten Financial Best Practices to Jump-Start Your New Year  

Created: December 18, 2017

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Description: Use this 1,050-word list of ten financial best practices for prospecting and public education about basic retirement planning, risk management, estate planning, budgeting, debt management, investing and more. A call to action at the end invites readers to be in touch with you for an exploratory conversation. Tailored for U.S. readers, this piece can be readily revised to apply elsewhere.

Cryptocurrency: What’s It All About?  

Created: December 12, 2017

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Description: Use this 1,500-word FAQ on cryptocurrency (and related blockchain technology) to define the terms, the risks and benefits of using it, and why "investing" in it is currently closer to speculating than investing. Break into a series of articles or videos, or use as a single article.

The ABCs of Behavioral Biases: WHITE PAPER  

Created: November 28, 2017

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Description: This 6,000-word piece is a roll-up of the seven-part series, "The ABCs of Behavioral Biases," for those who would like to share it in a white paper format. Be sure to remove the legal disclosures and copyright statement, and incorporate your own branding in the final form (as should be done for all content from the Library, per the license agreement terms).

The ABCs of Behavioral Biases: Conclusion  

Created: November 15, 2017

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Description: This 1,300-word piece is part 7 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. This final part summarizes all of the biases covered and wraps with a call to action. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

A Meaningful Message for Thanksgiving (2017)  

Created: November 9, 2017

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Description: This 500-word client letter reflects on the true meaning of happiness as you wish your clients a Happy Thanksgiving. Global advisors can modify the letter to use as a general season's greeting to clients.

The ABCs of Behavioral Biases: S-Z  

Created: October 30, 2017

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Description: This 600-word piece is part 6 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 6 covers sunk cost fallacy and tracking error regret. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

The ABCs of Behavioral Biases: O-R  

Created: October 13, 2017

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Description: This 850-word piece is part 5 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 5 covers overconfidence, pattern recognition and recency. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

Quarterly Client Letter — 2017 Q3  

Created: October 1, 2017

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Description: This 330-word, third quarter client letter reminds clients why an evidence-based investment approach remains in their best interests, using an illustration from a Russell quarterly report based on less-dependable advice.

The ABCs of Behavioral Biases: H-O  

Created: September 25, 2017

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Description: This 1,030-word piece is part 4 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 4 covers hindsight, loss aversion, mental accounting and outcome bias. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

Equifax Breach Commentary  

Created: September 18, 2017

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Description: Use this 785-word client communication to comment on the recently announced Equifax security breach, offer guidance, and remind them of the timeless "Avoiding Financial Scams and Identity Theft Slams" materials you can share with them (also available in the Content-Sharing Library, under Technology). You may also wish to modify this piece to share with additional audiences.

The ABCs of Behavioral Biases: F-H  

Created: September 11, 2017

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Description: This 900-word piece is part 3 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 3 covers fear, framing, greed and herd mentality. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

Hurricane Harvey Texan Client Reach-Out  

Created: August 28, 2017

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Description: A 284-word client reach-out for advisors based in Texas, to be in touch with clients about the effects of Hurricane Harvey. (A version for advisors NOT based in Texas also is available as a separate download.)

Hurricane Harvey General Client Reach-Out  

Created: August 28, 2017

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Description: A 238-word client reach-out for advisors NOT based in Texas, to be in touch with clients about the effects of Hurricane Harvey. (A Texan advisor version also is available as a separate download.)

The ABCs of Behavioral Biases: A-F  

Created: August 25, 2017

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Description: This 730-word piece is part 2 in a 7-part series exploring behavioral biases that cause the most damage to investor resolve. Part 2 covers anchoring, blind spot, confirmation and familiarity bias. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

The ABCs of Behavioral Biases: Introduction   Free Sample (Click on title to download)

Created: August 18, 2017

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Description: This 600-word introduction kicks off a seven-part series exploring behavioral biases that cause the most damage to investor resolve. First, we explore why we have behavioral biases, what they do to us, and what we can do about them. Next we'll introduce specific behavioral biases in alphabetic order. You can share the complete series with clients and prospects as a combined white paper, individual articles or video scripts, an e-mail drip series and more.

Half of a Whole: When You Lose Your Spouse   Free Sample (Click on title to download)

Created: July 21, 2017

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Description: This 900-word piece can be used as an article, email or video script to share with clients and prospective clients. It encourages those experiencing grief to hold off on making financial decisions that can wait, and offers supportive guidance to consider. It also encourages couples to complete their estate and advance planning if they've not yet done so.

Quarterly Client Letter – 2017 Q2  

Created: July 4, 2017

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Description: This 440-word, second quarter client letter reminds clients to avoid market-timing and focus instead on asset allocation and rebalancing -- in good markets and bad.

Content from “What Is Evidence-Based Investing?”  

Created: June 22, 2017

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Description: Available exclusively to Content-Sharing Library subscribers, this Word document provides the same talking points used in our recently released "What Is Evidence-Based Investing?" infographic/poster for use in other materials. (Place your order for a FREE, custom-branded copy of our professionally designed infographic/poster artwork here: https://mineral.is/evidence-based-poster-order/)

Introduction to “What Is Evidence-Based Investing?”  

Created: June 22, 2017

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Description: Use this short, introductory message to share our recently released "What Is Evidence-Based Investing?" infographic/poster with clients, prospective clients and others. (Place your order for a FREE, custom-branded copy of our professionally designed infographic/poster artwork here: https://mineral.is/evidence-based-poster-order/)

“What Is Evidence-Based Investing?” Slideshow  

Created: June 22, 2017

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Description: Designed to complement our recently released "What Is Evidence-Based Investing?" infographic/poster, this PowerPoint slideshow reiterates the same talking points for use in client, prospective client and other presentations. (Place your order for a FREE, custom-branded copy of our professionally designed infographic/poster artwork here: https://mineral.is/evidence-based-poster-order/)

Misperceptions About Market Corrections: Are You Prepared?  

Created: June 4, 2017

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Description: This 750-word document can be used in letter, email, article or video script format to help clients and prospects prepare for any future market corrections following the current long stint of relative calm. It encourages readers to ensure their portfolio meets their long-term goals and risk tolerances. Choose from two calls to action at the end, depending on whether you're sharing it with clients or prospects.

Financial & Identity Theft Quick Reference – U.S. Version  

Created: May 16, 2017

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Description: Use this 700-word quick-reference to help U.S. clients and prospective clients combat financial fraud and identity theft. Design into a front-and-back flyer or poster for rapid reading or to complement the similar, longer report on the same subject.

Financial & Identity Theft Quick Reference – Canadian Version  

Created: May 16, 2017

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Description: Use this 700-word quick-reference to help CANADIAN clients and prospective clients combat financial fraud and identity theft. Design into a front-and-back flyer or poster for rapid reading or to complement the similar, longer report on the same subject.

Financial & Identity Theft Overview – U.S. Version  

Created: May 16, 2017

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Description: Use this 1,400-word report to help U.S. clients and prospective clients understand and combat financial fraud and identity theft. Online, on the phone, in the mail or in person ... what to look for, how to protect yourself and what to do if you become a victim.

Financial & Identity Theft Overview – Canadian Version  

Created: May 16, 2017

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Description: Use this 1,400-word report to help CANADIAN clients and prospective clients understand and combat financial fraud and identity theft. Online, on the phone, in the mail or in person ... what to look for, how to protect yourself and what to do if you become a victim.

Client Reach-Out on Microsoft Ransomware Alert  

Created: May 15, 2017

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Description: Use this 245-word email to reach out to clients and alert them to the current global Microsoft ransomware outbreak. The alert encourages them to install any outstanding Microsoft patches on their devices if they've not yet done so. It also references the new materials on financial fraud and identity theft just added to the Content-Sharing Library. These offer you additional ways to add value to your clients' financial well-being.

Prospecting Reach-Out: Client Referral Intro  

Created: April 17, 2017

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Description: Use this 200-word template to create a personalized letter or e-mail to prospective clients who have been referred to you by one of your current clients ... or modify or excerpt from the template to apply to other prospecting activities. This will be the first of a collection of prospecting templates I'll release over time. I welcome your ongoing suggestions for new ones!

Quarterly Client Letter – 2017 Q1  

Created: April 4, 2017

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Description: This 525-word, first-quarter client letter summarizes some of the noteworthy market and economic events in Q1 2017 and puts them into the usual "stay the course" context.

An Index Overview | Part 4: Index Investing – Opportunities and Obstacles  

Created: March 21, 2017

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Description: This 1,200-word piece is part four of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explored some of the idiosyncrasies inherent to indexes. This final part 4 explores how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 3: Index Mechanics – Interesting Idiosyncrasies  

Created: March 8, 2017

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Description: This 1,060-word piece is part three of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 took a closer look at what index points measure and some of their inherent characteristics. Part 3 explores some of the idiosyncrasies inherent to indexes. The final part 4 will explore how indexes are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 2: A Few Points About Index Points  

Created: February 23, 2017

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Description: This 780-word piece is part two of a four-part series covering indexes and index investing. Part 1 defined indexes in general. Part 2 takes a closer look at what index points measure and some of their inherent characteristics. Future parts will look at some of the strategies used to structure indexes, and how they are used (and sometimes abused) in index fund investing. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

An Index Overview | Part 1: Indexes, Defined  

Created: February 12, 2017

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Description: This 800-word piece is part one of a four-part series covering indexes and index investing. Part 1 defines indexes in general, summarizes key uses (benchmarking and index fund investing), and explains why milestones like the "Dow 20,000" should not be used to engage in market-timing. Future parts will take a closer look at some of the strengths and weaknesses inherent to indexes and index fund investments. Use the series to discuss indexing as a drip series, in a combined report, or as video or podcast scripts.

Cover Intro for Dimensional 2016 Market Review  

Created: January 12, 2017

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Description: This 450-word summary provides an introduction you can use to share Dimensional's 2016 Advisor Byline Market & Economic Review. It's primarily for being in touch with your clients, although it can be modified to serve as a prospecting piece as well.

Quarterly Client Letter – 2016 Q4  

Created: January 3, 2017

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Description: This 425-word, fourth quarter (year-end) client letter acknowledges that 2017 remains an unknown and reminds investors of the durability of what really drives market returns -- which is global human enterprise.

Canadian Tax-Loss Harvesting: Opportunities and Obstacles  

Created: December 20, 2016

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Description: Modified for Canadian use, this 800-word handout can be used to inform clients about what tax-loss harvesting is, how it can be used (as well as when it may not be appropriate), and how it serves as another way you, as their adviser, seek to add value to their investing. With minor edits, it could also be used as a piece to share with prospective clients. (We published U.S. and Anglicised versions of this piece in October 2017).

Client Cover Letter for Sharing Dimensional Materials  

Created: December 7, 2016

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Description: This 260-word (single page) cover letter can be used to share one or more recent resources Dimensional Fund Advisors has made available to advisors who are approved to use their fund line-up. Use this letter to remind CLIENTS of the value that Dimensional funds can add to their evidence-based investing. It references Dimensional's WSJ reprint "The Active-Passive Powerhouse," a Pensions & Investments reprint, "Dissecting Dimensional," and Dimensional's book, "35 Quotations." (The Content-Sharing Library also contains a separate letter for sharing these same materials with PROSPECTS.)

Prospect Cover Letter for Sharing Dimensional Materials  

Created: December 7, 2016

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Description: This 450-word cover letter can be used to share one or more recent resources Dimensional Fund Advisors has made available to advisors who are approved to use their fund line-up. Use this letter as a follow-up to your initial conversation or meeting with a PROSPECT, to promote evidence-based investing as implemented by Dimensional funds. It references Dimensional's WSJ reprint "The Active-Passive Powerhouse," a Pensions & Investments reprint, "Dissecting Dimensional," and Dimensional's book, "35 Quotations." (The Content-Sharing Library also contains a separate letter for sharing these same materials with CLIENTS.)

A Meaningful Message for Thanksgiving (2016)  

Created: November 15, 2016

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Description: This 350-word client letter thanks your clients for their relationship with you and encourages them to celebrate their other life relationships during the upcoming U.S. Thanksgiving holiday. Global advisors can modify the letter to use as a general season's greeting to clients.

Post-Election Reflections: The Morning After  

Created: November 9, 2016

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Description: This 470-word client letter is a slightly updated and modified version of the client letter posted yesterday (Nov. 8), now that the U.S. presidential election results are known. Either version can be used to contact clients about the unexpected outcome, encourage them to remain on course with their investment strategy and be in touch with you if they have questions.

Post-Election Reflections  

Created: November 8, 2016

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Description: This 440-word client letter can be used on Nov. 8 as U.S. presidential election results are announced, or within the next few days following the election. Use it to remind clients you are available to help them stay the course with their carefully constructed investment strategy ... or to assist them in making updates if warranted.

Tax-Loss Harvesting: Opportunities and Obstacles  

Created: October 24, 2016

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Description: This 800-word handout can be used to inform clients about what tax-loss harvesting is, how it can be used (as well as when it may not be appropriate), and how it serves as another way you, as their adviser, seek to add value to their investing. With minor edits, it could also be used as a piece to share with prospective clients.

Quarterly Client Letter – 2016 Q3  

Created: October 4, 2016

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Description: This 480-word, third quarter client letter reflects on a relatively quiet summer, celebrates some recent market milestones and reminds clients that, despite continued domestic and global uncertainties, the best approach is the long-term, evidence-based strategy.

Structured CDs — Buyer Beware!  

Created: September 26, 2016

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Description: This 650-word article describes how structured or market-based CDs aren't the same as traditional Certificates of Deposit, drawing from a recent Wall Street Journal critique of their costs and conflicts of interest. Share with clients or prospects who may be tempted by the "low risk, higher return" promises without considering the complexities involved.

What If Everyone Were a Passive Investor?  

Created: September 12, 2016

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Description: This 1,200-word report explores why we should not have to worry that passive (and evidence-based) investing may become ineffective if too many investors embrace a passive approach. It can be shared with clients and prospects as a timeless discussion, as well as to rebut the recent AllianceBernstein "Road to Serfdom" client note, suggesting that passive investing is "worse than Marxism."

Presidents, Politics and Your Portfolio: Thinking Beyond Stage One  

Created: August 27, 2016

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Description: This 750-word article can be shared with clients or prospects who may wonder if there is something they should "do" with their investments as the November 8 U.S. presidential election date nears. It encourages them to stay true to their long-term investment strategies by thinking beyond the immediate news.

Parenting Your Wealth in Uncertain Markets  

Created: August 12, 2016

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Description: This 1,000-word article compares good parenting skills to good wealth management, describing why patience is an investor's greatest virtue. Share with clients and prospects during this summer's unruly political climate or, with minor modifications, it can serve as a timeless piece to address any form of heightened uncertainty.

Intro for “Reflections on Real Estate Investing” Report  

Created: July 19, 2016

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Description: For advisers who are receiving timely queries about the current (July 2016) sell-off of U.K. Open Ended Property funds, this 200-word cover letter can be used to share the separate "Reflections on Real Estate Investing" report. The report can be used along with this intro, or it can serve as a general, stand-alone piece on real estate investing.

Reflections on Real Estate Investing Report  

Created: July 19, 2016

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Description: This 1,300 word report offers a timeless overview of the guiding principles for investing in real estate as part of an effective, globally diversified portfolio. Share the report with clients or prospects to explain how real estate investing may fit into their portfolio (in the form of low-cost, evidence-based REIT funds), and to offer caveats on how to manage the risks involved. [Note: A separate, intro cover letter also is available for advisers who may be receiving queries about the current (July 2016) sell-off of UK Open Ended Property funds.]

Quarterly Client Letter – 2016 Q2  

Created: July 4, 2016

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Description: This 360-word, second quarter client letter reminds clients that the markets' responses in the aftermath of the Brexit referendum illustrate the inherent uncertainty involved in maintaining a disciplined, globally diversified portfolio designed to manage risks and capture expected market returns.

Brexit Vote and Market Outcomes   Free Sample (Click on title to download)

Created: June 24, 2016

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Description: This 680-word piece can be used to reach out to your clients to remind them that you are there for them and to encourage them to stay the course during the days ahead. With minor modifications, it could be used for a general e-blast, video script or similar content for wider audiences.

On Investing and Entertainment: John Oliver’s Take  

Created: June 21, 2016

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Description: This 435-word client letter can be used to share John Oliver's recent "Last Week Tonight" popular HBO segment on retirement investing. It summarizes Oliver's key messages and encourages your clients to share the video with others who may find the message appealing -- along with a referral to your firm.

You, the Capital Markets and Your Brexit Fears (Anglicised)  

Created: June 15, 2016

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Description: For advisors to reach out to clients who are contemplating abandoning their investment plan in the face of Brexit-generated market volatility, this 500-piece letter reiterates the timeless, evidence-based reasons it's important to avoid reacting to breaking news. Assuming the letter is most appropriate for UK audiences, it is edited for Anglicised references and spellings.

Survivorship Bias and Other Tricks of the Trade  

Created: June 6, 2016

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Description: This 700-word article describes survivorship bias in performance analysis -- what it is, how common it is, and why an investor should care about it (as it can lead to overly optimistic return expectations). It wraps by pointing out how evidence-based advisors like you help investors separate biased data from solid results and invites them to be in touch with you to learn more. Use it to reach out to prospects and inform current clients.

Our Mixed Up, Messed Up Relationship with Investment Risk   Free Sample (Click on title to download)

Created: May 11, 2016

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Description: As we swing into another summer of global events (such as the Cdn. Fort McMurray wildfire, UK Brexit and US elections), this article presents ways that investors tend to overestimate, underestimate, misunderstand and mistreat investment risks (both return-generating market risks as well as avoidable concentrated ones). Use this 1,000-word piece to explain investment risks to prospects and clients alike. Break each section into a series for video scripts or other uses.

Fixed Income Investing: What To Do in Lieu of Chasing Yield  

Created: May 4, 2016

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Description: As follow-up to the Library's "Investing for Retirement Income" series, this 1,250-word piece explores how investors can optimize their fixed income investing without stretching for junk bond or dividend yields. It covers the role of the yield curve, laddering, using CDs/GICs, managing costs, revisiting asset allocations and (last but not least!) working with an experienced advisor to assist in all of these areas. Use this piece to help prospective and current clients better understand fixed income investing. It also will help explain why your advisor fees are the same when managing fixed income or equities. Managed properly, they both require significant care and expertise.

DOL Fiduciary Ruling Client Reach-Out  

Created: April 10, 2016

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Description: A 525-word client reach-out on the DOL's new fiduciary rule, reflecting on its strengths and weaknesses, inviting them to contact you with any questions, and reinforcing the true fiduciary care you've been providing all along.

April Q1 2016 Client Letter (Guess the Media Source)  

Created: April 1, 2016

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Description: This 445-word, first quarter client letter reinforces the importance of staying invested according to plan. It juxtaposes distracting headlines from the popular press with timeless advice from solid sources such as WSJ's Jason Zweig as well as your own evidence-based investment advice. It also reminds clients that you are there to serve their highest financial interests (in case they've been seeing the news about the DOL's impending fiduciary regulations).

Investing for Retirement Income: Part 3 — Total-Return Investing  

Created: March 15, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covered the disadvantages of using dividend-yielding stocks for this role. Part 2 explored the same for high-yield bonds. This Part 3 explains how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

Investing for Retirement Income: Part 2 — High-Yield Bonds  

Created: March 6, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covered the disadvantages of using dividend-yielding stocks for this role. Part 2 explores the same for high-yield bonds. Part 3 will explain how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

Investing for Retirement Income: Part 1 – Dividend-Yielding Stocks  

Created: February 25, 2016

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Description: In this three-part series, we’ll explore three ways investors try to prevent low interest rates from consuming their retirement income: dividend-yielding stocks, high-yield bonds and total-return investing. Part 1 covers the disadvantages of using dividend-yielding stocks for this role. Part 2 will explore the same for high-yield bonds. Part 3 will explain how to use total-return investing for retirement planning (with a low-cost, globally diversified portfolio tailored for individual goals and risk tolerances). Use the series to communicate these messages to clients and prospects alike.

Good Advice  

Created: February 11, 2016

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Description: This 675-word piece reminds your clients and informs prospective clients that the best-interest advice you have to offer goes well beyond what is often thought of as "advice" (i.e., stock tips and little more). It reinforces why a good financial adviser remains relevant even as low-cost funds, automated investing and simplified financial planning is on the rise, and especially during the turbulent market times we are currently experiencing. As such, this piece can be used as a timely response to current market volatility or as a timeless article for all market climes.

Cover Intro for Dimensional 2015 Year in Review  

Created: January 21, 2016

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Description: This 540-word summary provides an introduction you can use to share Dimensional's 2015 Advisor Byline Market & Economic Review. The introduction is a little longer than in most years, given the current market climate. It's primarily for being in touch with your clients, although it can be modified to serve as a prospecting piece as well.

Additional China-Oil Response  

Created: January 17, 2016

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Description: As the market continues to remain in a state of flux, you may want to send another reach-out to your clients (or an initial one if you've not yet been in touch), reminding them that the best course through volatile markets is an evidence-based course. This 380-word message will help you do that.

Client New Year Greeting-China/Oil Response  

Created: January 7, 2016

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Description: Happy New Year! Here is a short, 350-word message you can use to reach out to your clients in light of the market volatility we're experiencing in the opening days of 2016.

January Q4 2015 Client Letter (Peek-a-Boo Markets)  

Created: January 4, 2016

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Description: This 420-word year-end client letter observes that 2015 markets were like a game of peek-a-boo with respect to global returns. It reminds clients how "recency" can trick them into making the wrong moves at the wrong time, and why it's important to stay invested in their personalized, evidence-based, globally diversified portfolio.

Giving Thoughts  

Created: December 18, 2015

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Description: Use this 575-word letter or e-mail to send to your clients to thank them for their business, wish them a Happy New Year and share some uplifting information about increased global philanthropy. The piece also reminds them to consider the big picture for both giving and investing,

Reflections on Paris  

Created: November 17, 2015

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Description: A short (330-word) message to clients offering them thoughtful reflections on your advisor relationship with them in the wake of the Nov. 13 attacks on Paris. For example: "We aim to do all that we can – even if it may never be everything – to nurture what is good and true in our lives." This also can be used as a Thanksgiving or holiday reach-out, or as video script.

How Do We Choose the Funds We Use?  

Created: November 15, 2015

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Description: Other materials in the Content-Sharing Library can be used to describe your evidence-based investment strategy. This piece describes how you narrow down your fund manager selections for converting sensible strategy into practical implementation. Use the piece for e-newsletters, e-mails, handouts and mailings, or to create video script for prospective or existing clients.

A Meaningful Message for Thanksgiving-2015  

Created: November 7, 2015

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Description: A 400-word message to send to clients as a Thanksgiving greeting (mail or e-mail), sharing some lighthearted "turkey talk" and expressing gratitude for their business. Each of the Library's annual Thanksgiving messages are timeless, so if you've not yet used messages from years' past, you can choose your favorite among them to send to clients. (Filter by the Holiday category to find them all at https://www.wendyjcook.com/documents/category/holiday/)

Advice That Adds Up During Down Markets  

Created: October 14, 2015

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Description: Here is a 700-word piece you can use to remain in touch with clients who may still be nervous after receiving their third-quarter report during the current down market. It encourages them to stay the course with their carefully planned portfolio, already designed to endure market risks. It reminds them why this is your advice, and how an objective third-party can help them overcome their instinctive reactions to down markets. Use as follow up to your clients' third quarter reports or to reach out to clients or prospects in general. It could also serve as good narrative for a video.

October Q3 2015 Client Letter (Google Hits vs. Long-Term Investing)  

Created: October 3, 2015

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Description: This 470-word article looks at how popular Google results, similar to other forms of headline news, may distract investors from their long-term strategy. It provides salient recent quotes on the importance of remaining disciplined during market uncertainty.

Three Key Investment Strategies Hidden in Plain Sight: #3 — INTERNATIONAL VERSION — Controlling Costs  

Created: September 25, 2015

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Description: This 1,375-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. THIS UPDATED VERSION EXPLORES CONTROLLING COSTS WITH AN INTERNATIONAL PERSPECTIVE AND ILLUSTRATIONS. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Three Key Investment Strategies Hidden in Plain Sight: #3 — Controlling Costs  

Created: September 4, 2015

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Description: This 900-word piece represents part three of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Client Reach-Out About Bad Market News  

Created: August 22, 2015

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Description: You can use this brief, 450-word piece to reach out to clients and prospects in an e-mail or mail distribution, or it could serve as language for a short video. Created for the August 2015 market decline, but applicable with minor edits to any "bad news" market conditions. The piece reminds clients that it is your role as their advisor to put bad market news in context, that this is exactly what realized market risk looks like, and that they should stick to their existing Investment Policy Statement to reap the market's long-term expected rewards.

Three Key Investment Strategies Hidden in Plain Sight: #2 – Managing Market Risks  

Created: August 11, 2015

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Description: This 700-word piece represents part two of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

Three Key Investment Strategies Hidden in Plain Sight: #1 – Being There  

Created: July 26, 2015

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Description: This 800-word piece represents part one of a series covering three essential evidence-based investment strategies: market participation ("being there"), managing market risk (diversification) and controlling costs. It also emphasizes the benefits of having an evidence-based advisor to assist. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script for prospective or existing clients.

July Q2 2015 Client Letter (What We Know Now)  

Created: July 3, 2015

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Description: This 400-word letter reminds clients that current market conditions fueled by the Greek debt crisis are an illustration of how and why (1) market risk contributes to future expected returns, and (2) they are probably already best prepared to ride out the risks with their existing, globally diversified portfolio. Use this letter with your quarterly client reports to share a timely message with your clients.

Greece  

Created: June 29, 2015

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Description: Here is a brief, 375-word piece you can use to reach out to clients and prospects in an e-mail or mail distribution, advising them to the stay the course as the Greek debt crisis unfolds. It advises them on how to consider the event in the context of evidence-based investing and serves as a call to action to be in touch with you for additional assistance.

More Evidence on the Evidence: An Historical Overview of Capital Market Theory  

Created: June 27, 2015

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Description: This 1,400-word piece complements the recently released "Evidence on the Evidence" piece, which explored how to differentiate academic evidence from less substantive work. This follow-up offers a timeline of the most important academic findings, from MPT to the Three-Factor Model and into the future. It highlights the role you play as an adviser, helping your clients incorporate meaningful evidence into their ongoing investment discipline. Use this pair of pieces to inform clients or prospects about the benefits of evidence-based investing.

The Evidence on the Evidence: How Do You Know What (and Whom) to Heed?  

Created: June 10, 2015

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Description: This 1,000-word piece explores key differences between robust, peer-reviewed academic evidence and the less substantive information that tends to grab the bigger headlines. It also describes how you, as an evidence-based adviser, help your clients become better investors by understanding why the difference matters. Use the series to inform clients or prospects about the importance of evidence-based investing. This piece pairs well with the complementary article, "More Evidence on the Evidence," which offers an historical overview of landmark studies from MPT to the Three-Factor Model and beyond.

Timeless Tips on Tax-Wise Investing: Part II  

Created: May 17, 2015

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Description: This 700-word piece represents part two of a two-part series on tax-wise investing, covering year-round, tax-efficient habits investors can adopt for themselves, their tax-managed funds, their portfolio construction (asset location) and their financial team -- overseen by their tax-savvy wealth manager. Use the series to inform clients or prospects about the principles of tax-wise investing and the critical role you play as their tax-wise adviser.

Timeless Tips on Tax-Wise Investing: Part I  

Created: May 10, 2015

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Description: This 965-word piece represents part one of a two-part series on tax-wise investing, covering year-round, tax-efficient habits investors can adopt for themselves, their tax-managed funds, their portfolio construction (asset location) and their financial team -- overseen by their tax-savvy wealth manager. Use the series to inform clients or prospects about the principles of tax-wise investing and the critical role you play as their tax-wise adviser.

Reflections on Robo-Advice  

Created: April 22, 2015

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Description: This 1,200-word piece offers investors advice on how to assess the recent proliferation of robo-advisors -- differentiating the higher level of care available from dedicated human advisers, emphasizing the continued importance of an evidence-based investment strategy, and summarizing qualities to seek in any form of investment advice a family may be considering. Use the piece to inform clients or prospects or respond to their questions.

April Q1 2015 Client Letter (Relevant/Fiduciary Advice)  

Created: April 2, 2015

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Description: This 350-word client letter addresses the timeless relevance of robust advice versus secondary and/or "robo" advice. It describes how the advice you offer complements evidence-based investing and best serves adviser and investor alike. Two versions of the letter are bundled into this downloadable zip file: The US version uses the term, "fiduciary." A global version references transparent, objective advice.

Fifty Years of Warren Buffett’s Wisdom  

Created: March 24, 2015

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Description: This 900-word piece introduces Warren Buffett's March 2015 release of Berkshire Hathaway's 2014 shareholders' letter, with a sampling of Buffett insights on American enterprise, business management, wealth and investing, capital markets, risk management, ethics and human nature. As a special, 50th "golden anniversary" edition, the letter is a particularly good example of Buffett's timeless wisdom. Use this piece to reach out to clients and prospects in a letter, e-mail or video script of your own.

Helping New Clients Break Up With Their Broker  

Created: March 3, 2015

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Description: Here are two short letters/e-mails (bundled into a single, two-page Word document) to help your new clients “break up” with their broker after they have selected you as their new advisor. The first piece is a cover letter or e-mail to send to new clients, explaining the material; the second is content they can send to their former broker/advisor to ease the transition.

Advisor Due Diligence Report: Finding Your Fiduciary Financial Advisor  

Created: February 24, 2015

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Description: This 7-page report compiles key messages from the recent "Advisor Due Diligence" series in a three-part report to help investors choose a fitting, fiduciary advisor. Part 1 describes the broad financial environment and the importance of the fiduciary relationship. Part 2 covers additional qualities to seek and Part 3 offers tips on how to review an advisor's credentials. Share the report as a printed handout or in PDF form with clients and prospects. Use it as a give-away to collect e-mails on your website or for other similar purposes. Apply it as a script for a video series.

Advisor Due Diligence Series #3: Finding Right-Fitting Advice  

Created: February 15, 2015

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Description: This 1,250-word piece is part three of a three-part series for stepping investors through the due diligence they should take in selecting or retaining a financial advisor that is a good fit for them. Part 3 wraps up the discussion on fiduciary advice and offers additional qualities to seek in an advisor.

Advisor Due Diligence Series #2: First There is Fiduciary  

Created: January 27, 2015

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Description: This 1,000-word piece is part two of a three-part series for stepping investors through the due diligence they should take in selecting or retaining a financial advisor that is a good fit for them. Part 2 compares suitable to fiduciary advice and explains why and how the differences matter.

Cover Intro for Dimensional 2014 Year in Review  

Created: January 14, 2015

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Description: Here's a 375-word letter or e-mail you can use to share Dimensional Fund Advisors' Advisor Byline 2014 Year in Review, now available from Dimensional's log-in site. The lead-in reinforces the importance of remaining globally diversified, of avoiding market-timing in response to near-term "winning" and "losing" asset classes, and to be in touch with you for assistance.

January Q4 2014 Client Letter (Recency & Tracking-Error)  

Created: January 4, 2015

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Description: This 390-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It advises clients to avoid recency and tracking-error regret as they consider 2014 annual returns (when a concentrated large-cap U.S. position outperformed the typical globally diversified strategy).

Advisor Due Diligence Series #1: How Do You Know?  

Created: December 19, 2014

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Description: This 700-word piece is part one of a three-part series for stepping investors through the due diligence they should take in selecting or retaining a financial advisor that is a good fit for them. Part 1 covers ways to research an advisor's profile. In upcoming parts, we'll explore the desirable traits of fiduciary, fee-only (and under limited circumstances, fee-based), evidence-based RIA firms as well as other qualities and warning flags to look for.

Larry Swedroe Book Foreword & Prospective Materials Intro Templates  

Created: December 7, 2014

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Description: This bundle of two pieces provides a 1,100-word foreword for use when ordering custom-foreword versions of Larry Swedroe's book, "Think, Act and Invest Like Warren Buffett." It also includes a similarly themed, 500-word template for introducing general prospecting materials such as white papers, reprints, RFP responses and more -- for individual and institutional prospects.

Evidence-Based Investment Insights Series REPORT  

Created: November 21, 2014

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Description: This 8-page report strikes a happy medium between the full, 25-page white paper and the individual installments available in the Evidence-Based Investment Insights series. Compiling key messages from the entire series, this report offers a mid-length, single document overview of evidence-based investing. Share the paper as a printed handout or in PDF form with clients and prospects. Use it as a give-away to collect e-mails on your website or for other similar purposes. Based roughly on Dimensional Fund Advisors' "Investment Principles" presentation, it will suggest when slides from that presentation can be used to complement the material being presented

A Meaningful Message for Thanksgiving-2014  

Created: November 11, 2014

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Description: This 300-word letter/e-mail is a template you can use to reach out to clients, to send them Thanksgiving greetings. This year's theme focuses on the way you are grateful to your clients for their personal and professional relationship with you. Use the piece as a client letter or e-mail, or modify it for other purposes as appropriate.

Evidence-Based Investment Insights Series WHITE PAPER  

Created: November 5, 2014

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Description: This 25-page white paper compiles the entire Evidence-Based Investment Insights series into a single document you can use to design your own company white paper. Share the paper as a printed handout or in PDF/booklet form with clients and prospects. Use it as a give-away to collect e-mails on your website or for other similar purposes. Based roughly on Dimensional Fund Advisors' "Investment Principles" presentation, it will suggest when slides from that presentation can be used to complement the material being presented.

Timeless Investment Advice for Timely Market Troubles  

Created: October 15, 2014

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Description: This 500-word e-mail can be used to reach out to clients or prospects about today's (October 15, 2014) market drop or repurposed as a follow-up (with minor edits to adjust to whatever happens next in the market). It empathizes with the pain that market drops can cause and reinforces classic themes such as the importance of taking a long-term, evidence-based approach to harnessing market volatility.

Evidence-Based Investment Insights Series — 14 Parts  

Created: October 12, 2014

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Description: This is a series of 14 short pieces for explaining evidence-based investment principles in a step-by-step approach. Use the series for drip marketing via e-newsletter, e-mails, mailings or as video script to introduce your investment approach to prospective clients or to review key benefits with existing clients. Based roughly on Dimensional Fund Advisors' "Investment Principles" presentation, it will suggest when slides from that presentation can be used to complement the material being presented. A compiled, 25-page white paper or 8-page report also is available for separate download.

October Q3 2014 Client Letter (CAPE ratio)  

Created: October 2, 2014

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Description: This 420-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It presents recent media coverage of Shiller and Malkiel's assessments of the CAPE ratio and stock pricing, and why it remains prudent for clients to stick with their long-term globally diversified portfolio.

Market Mania and Investor Resolve … Again  

Created: July 31, 2014

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Description: This 500-word timely client letter can be used to contact clients who may be concerned about the July 31 2014 steep market decline (or modifiable to be used in the days ahead, depending on continued news). Borrowing on language from past periods of market risk, it reinforces the importance of avoiding herd mentality and instead staying the course during times when market risk appears.

July Q2 2014 Client Letter (Wm Sharpe)  

Created: July 1, 2014

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Description: This 375-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. Based on a SensibleInvesting.tv interview with Nobel laureate William F. Sharpe, it reminds readers that, even as time, technology and terminology march on, some investment essentials remain as strong as ever. (Ties well with recent Evidence-Based Investment Insights series covering the benefits of diversification.)

Heartbleed Security Reach-Out  

Created: April 10, 2014

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Description: This 280-word e-mail alerts your clients that you are aware of and following up on the Heartbleed Security bug announced this week and that you will be in touch promptly should they need to take any action at their end. A Mashable link is provided to help you inform your clients whether their specific account custodian appears to be affected by the breach. (Most of them appear not to be, since brokers/banks don't seem to be using OpenSSL where the breach occurred), The event also serves as a good reminder that they should routinely update their account passwords every 60-90 days.

April Q1 2014 Client Letter (Michael Lewis & HFT)  

Created: April 3, 2014

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Description: This 475-word client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It addresses Michael Lewis' March 30th, 2014 "60 Minutes" discussion about his new book on high-frequency traders. The incident is a good lesson on why clients need to be aligned with a fiduciary advisor like you to look out for their interests in a market that is expected to reward patient investors, but that clearly has its dark side.

Portfolio Analysis Offer – for Prospects & Client Referrals  

Created: March 27, 2014

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Description: Two letters or e-mails for the price of one! These 350-word calls to action offer a complimentary portfolio analysis to qualified prospects. One version is for sending directly to qualified prospects. The other is to remind your clients that you are available to help others they care about with an objective, confidential portfolio analysis.

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

Created: March 5, 2014

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Description: This 575-word piece shares some "best-of" quotes ("Buffettisms") related to essential investment strategy from Fortune magazine's preview of Buffett's forthcoming annual shareholder's letter. The piece also can be used as a call to action inviting clients or prospects to be in touch with you for a copy of Larry Swedroe's quick guide: "Think, Act and Invest Like Warren Buffett." (Let me know if you'd like more information about ordering a version of Larry's book with a custom foreword authored by your firm.)

Combating Hidden Trading Costs: Here Be Dragons  

Created: February 26, 2014

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Description: This 1,300-word article serves well as a stand-alone piece or to accompany our broader article, Cost Control: An Investor's Greatest Investment. The broader article provides an overview of various investment costs; this piece explores hidden costs in more detail: bid-ask spreads, market-moving costs and costs of moving to cash. It concludes with a reminder of the value your firm brings in identifying fund managers who effectively manage hidden costs. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients.

Evidence-Based Investing vs. Indexing: Making a Good Thing Even Better  

Created: February 7, 2014

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Description: This 1,000-word article describes advantages of evidence-based investment management over index fund investing (i.e., investing as applied by Dimensional Fund Advisors and similar fund managers). It positions passive/index fund investing as a good improvement over active management, with evidence-based investing as an even better approach. It does not mention Dimensional or any other fund manager in particular, instead covering broad principles. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients.

Cover Intro for Dimensional 2013 Year in Review  

Created: January 29, 2014

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Description: Here's a 230-word letter or e-mail you can use to share Dimensional Fund Advisors' Advisor Byline 2013 Year in Review (assuming you are a Dimensional firm). There is a version directed to clients and another directed to prospective clients, encouraging them to read Dimensional's report and be in touch with you for follow-up. Both versions help remind the reader about the importance of adopting an evidence-based investment strategy.

Cost Control: An Investor’s Greatest Investment  

Created: January 19, 2014

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Description: This 1,200-word article provides (1) an overview of transparent as well as hidden costs of investing and the impact they have on net returns, (2) strategies for minimizing those costs, and (3) the role an experienced, objective advisor plays in cost-effective fund selection, tax-management and investor discipline. The article concludes with a call to action, inviting readers to contact your firm for a complimentary analysis of their existing portfolio. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients. For a deeper review of hidden costs, consider also ordering "Combating Hidden Trading Costs: Here Be Dragons."

January Q4 2013 Client Letter  

Created: January 5, 2014

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Description: This 350-word (one page) client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication. It reminds clients that, in the context of great 2013 returns but an uncertain future, it's better to base one's decisions on the durable science of investing than on past performance or attempts to time the market.

2013 Holiday/Year-End Reach-Out Client Letter  

Created: December 18, 2013

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Description: Here's a short & sweet, 200-word letter or e-mail to send to your clients wishing them an uplifting holiday season and new year. Includes a feel-good link to a recent report that the US has regained its standing as the world's most giving nation.

Our Investment Strategy Overview  

Created: December 16, 2013

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Description: This 1,400-word article provides a clear overview of our passive/evidence-based investment strategy. It differentiates your investment approach from that taken by most financial providers, without getting overly technical. It emphasizes the benefits and importance of (1) having a strategy to begin with, (2) having the right kind of strategy, and (3) accompanying it with fiduciary advice. Use this piece as a brochure or article to introduce your investment strategy to prospective clients or to review key benefits with existing clients. It also could provide solid talking points for your investment strategy website page (although I wouldn't recommend using the entire piece as a website page -- it's too long for that).

A NEW Tradition: Family Wealth Planning Conversations  

Created: December 13, 2013

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Description: This 530-word article invites families to take a fresh look at their family wealth conversations, while encouraging them to think of your firm as a resource to assist them with this and other family wealth management needs. Use this piece as a newsletter article, or it could be readily converted into a direct mailing to clients or prospects.

A Meaningful Message for Thanksgiving-2013  

Created: November 15, 2013

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Description: This 430-word communication is a template you can use to reach out to clients, to send Thanksgiving greetings as well as a meaningful reminder of how an evidence-based investment strategy helps them more fully enjoy the things that matter most during the holiday season: friends, family, interests and expressions of gratitude. Referencing an entertaining anecdote shared by Carl Richards in one of his New York Times blog posts, the template also includes an optional offer to send clients a free copy of Carl's book, The Behavior Gap. Use the piece as a letter or e-mail, or modify it for other purposes as appropriate.

Center of Influence (COI) Reach-Out Letter Template  

Created: November 5, 2013

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Description: This one-page, 250-word letter is a template you can use to reach out to centers of influence and potential strategic alliances such as attorneys, accountants, community leaders and others, introducing them to your firm and inviting them to network with you professionally. Use the piece as a letter or e-mail, or modify it for other purposes as appropriate.

Professor Fama’s Nobel Prize and You  

Created: October 14, 2013

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Description: This 570-word article celebrates Professor Eugene Fama's receipt of the 2013 Nobel Prize in Economics, and how Fama's work contributes to your clients' personal investment experiences. It also explains how you, as their advisor, add value by translating sometimes conflicting academic evidence (such as Fama’s/Shiller's respective work) into practical application toward achieving individual end goals. Use the piece as a direct client communication or modify/customize for wider use.

UPDATED: Market Mania and Investor Resolve  

Created: October 11, 2013

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Description: We've updated this piece from an earlier version, created during the last period of steep market decline in June. This updated 800-word version provides calming, historic context and reminders of essential investment tenets for clients who may be second-guessing the current risk levels in their portfolio in light of the government shutdown and related events.

October Q3 2013 Client Letter  

Created: October 4, 2013

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Description: This 340-word (one page) client letter can be used as a cover letter to accompany your quarterly client reports or as a stand-alone communication, reminding clients to stick with their disciplined plan in the face of current political and economic uncertainty (government shutdown, debt ceiling, interest rate climate, etc.)

Think Twice Before Sinking Your Wealth Into an IPO  

Created: September 23, 2013

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Description: This 830-word article describes why investors should avoid investing in Initial Public Offerings (IPOs) such as Facebook or, more recently (as of Sept. 2013), Twitter's proposed IPO. The article provides evidence on three reasons an investor is best off avoiding purchasing IPOs (or individual stocks in general): (1) stock-picking is a poor strategy to begin with, compared to MPT-based portfolio construction (citing a 2012 Markowitz interview), (2) individual investors tend to fare poorly in the IPO zero-sum loss game, and (3) IPOs have a track record for underperformance.

Avoiding Tracking-Error Regret  

Created: August 13, 2013

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Description: This 630-word article defines tracking-error regret in approachable terms, and describes that one of your key roles as an advisor is to help your clients recognize and avoid succumbing to it. It defines tracking-error regret that occurs when an investor’s carefully designed portfolio underperforms its common benchmark. It offers a different (better) way to measure financial success — by focusing on personal goals and constructing the portfolio accordingly. It also offers a handy table that summarizes the key tenets of disciplined investing.

Making Sense of Fixed Income  

Created: July 18, 2013

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Description: The article briefly describes the current (July 2013) market, in which many investors are panicking and selling off their bond funds, and informs readers that you recommend against succumbing to that trend. It offers four “Guiding Rules” to explain a preferred strategy: (1) The importance of investing according to a personalized plan; (2) An overview of the role fixed income plays; (3) Possible actions that may be appropriate (such as portfolio analysis of non-managed assets, risk-tolerance assessment, and rebalancing opportunities); and (4) The critical importance of staying the course.

“Go With the Flow” Investing  

Created: July 11, 2013

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Description: Introducing your investment experience as a point of distinction, this brief introduction compares investing to river rafting, in which it’s important to “go with the flow” rather than struggle upstream. You help your clients accomplish this through planning, education and application of evidence-based investment strategy, combined with portfolio management (including managing for risks, costs and hyperactive trading behaviors).

July 2013 Client Letter  

Created: July 2, 2013

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Description: Overview of market conditions in Q2, 2013.

The Art of Asset Location  

Created: June 17, 2013

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Description: Remind your clients of this important way you earn your advisory fees, by providing them with: (1) a working definition of asset location, (2) an empirical assessment of the value it can bring, (3) several reasons why it’s best to work with a professional advisor to implement the strategy, and (4) understanding on how and why most investors are missing out on effective asset location … because they’re not working with you!

Assessing Advisory Fees  

Created: June 5, 2013

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Description: Remind clients of the ways you earn your advisory fees, including: (1) Tangible Savings such as helping them stay the course, ensuring low-cost investing and ongoing tax management, (2) Subtle Rewards such as education, account management, wealth coordination and access to Dimensional funds, and (3) Immense Immeasurables, such as freeing their time to pursue their personal interests and ensuring smooth transitions when family money management roles shift.

The S&P 500 Wheel of Fortune  

Created: May 17, 2013

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Description: Purchase this 400-word document to use as timely, appropriate commentary on the S&P 500 Index’s recent (May 2013) all-time market highs. Remind investors that (a) an evidence-based portfolio already is positioned to capture market surges commensurate with the investor's goals and risk tolerances and (b) chasing past returns is counterproductive. The best advice is, as always, to enjoy the returns gained, but stay the course according to personal goals and risk tolerances.

Responding to Active Management News & Analysis  

Created: April 11, 2013

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Description: This 650-word piece can be used to respond to miscellaneous active calls to action related to popular market trends, gloomy forecasts or other current or ongoing events. It thanks the individual for sharing the news, and provides them with two guidelines for properly assessing it: (1) Consider the credibility of the source. (2) Even if the source is credible, consider the worth of the news in relation to your recommended, long-term, passively minded investment strategy.

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