Investments

The True Cost of DIY Investing: 3.52%

In all aspects of life, there are folks who believe that they can do things better and cheaper if they take the “Do-it-yourself” (DIY) approach.  Sometimes you can save money; however, the longer I live, the more I embrace specialization of labor.  Even if I can do certain tasks, hiring specialists usually means I have…

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Conventional wisdom of active management

It has been demonstrated over and over again that active mutual fund managers have had a very difficult time outperforming their respective benchmarks over reasonable time periods. In the U.S., for example, approximately 83% of all domestic funds underperformed their benchmark for the 10-year period ending 12/31/2015. This phenomenon is not just specific to the U.S.…

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Are your advisor’s fees too high?

Most people have no idea how much they are paying their financial advisor. In a way, we believe this is a problem. Many times, the fees you “see” are only those easily spotted above the surface. There could be other fees you aren’t seeing. It should come as no surprise that we believe financial advisors…

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Verisail Core Investing Principles

I am going to keep this SIMPLE and STRAIGHTFORWARD. Yes, investment management can get very technical with sharpe ratios, alpha, beta, CAPM, efficient frontiers, etc. However, you do not need to go down these rabbit holes to be a successful investor.  In fact, we don’t even go down them. To be successful, we focus on 5…

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IRA Required Minimum Distributions

Each year, we get questions about Required Minimum Distributions. We’ll call them RMDs from here on out. What are they? When do I have to start taking them? How much do I need to take? Can I keep contributing to my retirement accounts if I’m still working? Let’s address these questions. What is a Required…

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Verisail’s Secret Revealed. Step 6 – Tax Planning

Over the last few weeks, we have been revealing our financial planning process at a high level. We started with goal setting and have progressed through various topics such as budgeting, retirement, insurance, and estate planning.  Last week we talked about estate planning and the importance of ensuring that your assets pass to your heirs like you would have…

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Verisail’s Secret Revealed. Step 3- Retirement

“If you fail to plan, you are planning to fail.”     –Benjamin Franklin Last week, we talked about Cash Flow and the importance of spending less than you earn. Often, we find ourselves living paycheck to paycheck because we have never practiced the skill of delayed gratification.  Retirement is very similar. Planning for retirement often…

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Why We Exist

I have so many friends and acquaintances who are frustrated with their job.  They are not sure of their life’s calling, and, so, they are constantly looking into new opportunities, another degree, or new place to live.  Here at Verisail, we feel so fortunate because we love what we do.  This is where our business…

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Saving in your 30’s

In your 30s, you start feeling like an adult. You may be married and have a family by now. You may be starting to really hit your stride career wise. Or you are considering buying a house or starting a business. With all of these new responsibilities, it is critical to have a structured game…

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