Often, the very best ideas have two things in common--1.  They are effective, yet simple (The “Why Didn’t I Think of THAT”) and 2.  They look at an existing problem from the polar opposite. 

What if, instead of sailing straight into the wind, we tacked?  What if...We designed an Investment Advisory practice built entirely upon the premise of serving the interests of the CLIENT first and the FIRM second?

HOW would we do that?  We accept the mathematics that your investment performance is nearly wholly attributable to three factors:  the long-term performance of the broad equities market, your allocation ratio between equities and bonds and HOW MUCH YOU PAY IN FEES.  Since every dollar not paid in fees remains in your account to compound and grow, the fee charged affects your holdings to a much greater extent than you may have assumed (or been told). SEE HERE, Also SEE HERE

WHY would we do that?  Because it is the right way to represent clients.  I was taught to practice law by ALWAYS doing whatever is in the best interest of the client, period.  If it's in the best interest of the client, it must be in the best interest of the firm because your job is to further the client's interests.  Simple as that. The same SHOULD be true of financial firms, but it has not been, for a number of reasons, all of which boil down to this--How much money will this decision make for the FIRM?  (And by the way [so their thinking goes], if the decision is good for the client, all the better, since it will be easier to sell him on it!)

...read on for more thoughts on the NEW REALITY