You, Your Investments, and the Coronavirus (UPDATED)  

Created: February 24, 2020

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Description: UPDATED 2/24: Use this 677-word client reach-out to remind your clients why they should avoid reacting to breaking news about novel coronavirus, at least as far as their investment portfolio is concerned. With minor modifications, the piece can also be used for general/prospecting purposes.

Three Upside-Down Investment Insights  

Created: January 21, 2020

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Description: Share this 732-word piece with clients and/or prospects to cover three important, but counterintuitive investment insights: (1) market volatility is the norm, not the exception; (2) market volatility is a "frenemy" to investors; and (3) effective diversification means you'll always be holding some disappointing asset classes.

You, Your Retirement, and the SECURE Act – GENERAL Audience  

Created: December 24, 2019

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Description: Use this 1,300-word document to provide a GENERAL AUDIENCE with an overview of what to expect from the newly enacted U.S. SECURE Act -- emphasizing how you might assist them in applying the changes according to their best interests. Refer to separate piece tailored for CLIENT use.

You, Your Retirement, and the SECURE Act – CLIENT Audience  

Created: December 24, 2019

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Description: Use this 1,300-word document to provide CLIENTS with an overview of what to expect from the newly enacted U.S. SECURE Act -- emphasizing how you will be assisting them in applying the changes according to their best interests. Refer to separate piece revised for GENERAL AUDIENCE use.

Six Financial Best Practices for 2020  

Created: December 8, 2019

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Description: Share this 869-word piece with clients and prospects to offer six financial best practices for 2020. This year's selection is based on some of the changes that took place in 2019, including TCJA tax tips, zero-commission stock and ETF trading, and more.

Why Safe Harbors Can Be Risky Business  

Created: November 21, 2019

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Description: Use this 922-word article to remind clients and explain to prospective clients how to balance managing short-term market volatility risks with the long-term risk of inflation. It’s also risky to overweight a portfolio in "safe harbor" investments, and/or flee to the sidelines during turbulent times, just in a different way.

16 Things You Can Do To Prepare for the Next Recession  

Created: October 18, 2019

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Description: 16 things investors can do to truly strengthen their financial well-being, instead of engaging in market-timing in reaction to a potential recession. Share this 783-word overview with clients and prospects.

The ABCs of Behavioral Biases (UPDATED)  

Created: September 18, 2019

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Description: UPDATED FROM AUG. 2017: This collection of materials includes: (1) a 5,800-word white paper, (2) the same materials broken into a seven-part drip series, and (3) an ALL-NEW PowerPoint presentation on "The ABCs of Behavioral Biases." From anchoring, to hindsight, to tracking-error regret, the series covers 17 of the most common financial behavioral biases that lead investors astray, in alphabetic order.

FAFSA Application Advice for College-Bound Kids  

Created: September 6, 2019

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Description: This 482-word message alerts parents and their college-bound children that there's no time to waste when submitting a Free Application for Federal Student Aid (FAFSA) application as soon as October 1 arrives. It describes how FAFSA works, and why time is of the essence.

What Is Monte Carlo Analysis?  

Created: August 23, 2019

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Description: This 1,000-word article in our "What Is ...?" series describes how investors can benefit from a Monte Carlo Analysis, includes caveats on best use, and provides a basic illustration on how it works. An accompanying Monte Carlo Sample pdf file provides the assumptions used in the illustration.

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

Created: August 1, 2019

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Description: UPDATED FROM MARCH 2018: This 1,200-word piece puts the U.S. Federal Reserve's ongoing federal funds rate changes (especially the Aug. 1 2019 rate decrease) into sound, financial-planning context. Use this piece to inform prospects or clients about how the Fed operates, as well as what your role is in helping them manage debt, save, invest, and spend wisely through various interest rate climates and regardless of what lies ahead.

Protecting What’s Yours (While You’re Alive)  

Created: July 25, 2019

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Description: Use this 1,300-word article in its entirety or broken into three parts to cover three tools an individual can employ to protect their health and wealth care interests while they are alive: (1) the financial power of attorney, (2) the trusted contact, and (3) the healthcare advance directive (including a living will and healthcare power of attorney). Includes a summary, when each applies, common scenarios and additional tips for each.

The Viability of the Value Premium (Multi-Part Series)  

Created: June 16, 2019

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Description: This multi-part series segments the full-length 1,765-word report on the viability of the value premium into five shorter, quick-read pieces. It covers the origins of the value premium, historical precedents, additional evidence that the value premium likely remains viable, and the role global diversification plays in managing risks and expected returns. The five parts are bundled into a single zip file for simplified download.

Good Advice (UPDATED)  

Created: May 27, 2019

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Description: UPDATED FROM 2016: This 605-word piece reminds your clients and informs prospective clients that the best-interest advice you offer goes well beyond stock-picking tips. It reinforces why a good financial adviser remains relevant even as low-cost funds, automated investing and simplified financial planning are on the rise.

What Is Asset Location? (UPDATED)  

Created: May 27, 2019

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Description: UPDATED FROM 2013: This 710-word article is part of our ongoing "What Is ...?" series. It defines asset LOCATION, differentiates it from asset ALLOCATION, and provides an overview of both its benefits and challenges. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

What Is Liquidity?  

Created: May 14, 2019

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Description: This 768-word article is part of our ongoing "What Is ...?" series. It defines liquidity, offers some approachable examples of how it works, and considers it within the context of an overall investment portfolio. Share this piece with clients or prospects as an article, post, or video script, or for similar purposes.

Evidence-Based Investment Insights Series — 14 Parts (UPDATED)  

Created: April 25, 2019

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Description: UPDATED FROM 2014: 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. Collection will download as a zip file containing 14 Word documents. A compiled, 25-page white paper and 8-page report also are available for separate download.

Money Management Lingo  

Created: March 27, 2019

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Description: This 860-word document provides a beginner's guide intro to some of the most common terminology advisors tend to use when introducing prospective and new clients to money management services. For example, it differentiates assets, funds, accounts and custodians -- explaining which roles each play. (Note: Non-U.S. advisors might want to swap out some of the examples with illustrations of their own -- such as referencing your country's tax-advantaged accounts rather than U.S.-based IRAs.)

What Is Asset Allocation?  

Created: February 13, 2019

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Description: This approximately 750-word piece provides a working definition of asset allocation, to share with clients, prospects and others. It's the latest addition to an accumulating "What Is ...?" series, defining frequently used terminology for those who may not "just know" what it means.

Six Financial Best Practices for 2019  

Created: December 17, 2018

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Description: Six financial best practices encouraging investors to ignore market volatility and take practical steps toward enhancing their financial well-being. Use this piece as is to share with prospective clients, or modify it slightly for client use. This piece represents the second in an annual series, potentially pairing well with "Ten Financial Best Practices to Jump-Start Your New Year," published in December 2017.

Five Financial Adages for Thriving in Volatile Markets  

Created: November 19, 2018

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Description: This big, meaty, 2,000-word report takes a close look at why so many investors fail to adhere to five widely accepted financial adages (e.g., "buy low, sell high"), ESPECIALLY DURING VOLATILE/DOWN MARKETS. Use this report with clients or prospects -- either as-is, or as a drip communication or video series, sharing one adage at a time, over time.

Protecting Your Child from Identity Theft (US Version)   Free Sample (Click on title to download)

Created: September 24, 2018

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Description: Use this 600-word piece to alert clients and prospects to the growing threat of child identity theft: what it is, why it's happening, how parents can spot and prevent it, and what to do if it happens.

Protecting Your Child from Identity Theft (Canadian Version)   Free Sample (Click on title to download)

Created: September 24, 2018

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Description: Use this 600-word piece to alert clients and prospects to the growing threat of child identity theft: what it is, why it's happening, how parents can spot and prevent it, and what to do if it happens.

Financial & Identity Theft Overview – U.S. Version (UPDATED)  

Created: September 24, 2018

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Description: UPDATED FROM MAY 2017: 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 (UPDATED)  

Created: September 24, 2018

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Description: UPDATED FROM MAY 2017: 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.

What Is the Yield Curve? (Article)  

Created: August 24, 2018

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Description: This 900-word "What Is?" article translates a tricky investment concept -- the yield curve -- to help clients and prospects alike appreciate the role it plays in their fixed income investing. (Look for the separate, Excel spreadsheet also available in the Content-Sharing Library if you need to directly access the Yield Curve diagrams displayed in this piece.)

Food for Thought: “Reducing the Risk of Black Swans” Book Review  

Created: August 6, 2018

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Description: This 1,250-word book review of Larry Swedroe's and Kevin Grogan's book, "Reducing the Risk of Black Swans," will be useful for advisors who are introducing some of the newer factors and alternative investment strategies into their evidence-based investment portfolios. Share it with clients or prospects, along with the book itself, or use it as a summary for in-house reference.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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  

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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