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Financial Advisors

Investopedia, a privately owned for-profit American website that focuses much of its content on investing education and financial news, recently conducted a survey that concluded that investors using digital advisors are nearly as happy as those who work with traditional advisors.  However, most respondents indicated that there are certain services that warrant human help. The […]

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Should Investment Advisory Newsletters Come With A Government Warning?

There are hundreds, or maybe thousands, of newsletter writers around the globe.  All of them have a single purpose – to sell you something. There is a fertile field for stock market newsletter writers.  It goes without saying that human beings are wired to seek self preservation.  Numerous articles have been written about the “fight […]

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Where’s Waldo

On several occasions over my career providing wealth management counseling to clients, I have run across the phrase from new clients that, “My broker doesn’t charge me.”  I usually ask, “Do you work for free too?” The confusion comes in when one does not explicitly “write a check” for services, but instead, has fees that […]

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The Vote

Voting in the Michigan primary today, I began to ponder how we got into the political mess we’re in. I am enamored of neither of the leading parties’ leading candidates.  It appears likely at this stage that one of them may end up being president, unless an indictment surfaces for one, or anger subsides and […]

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Know and Believe Are Not Synonyms

In making investment decisions it is important to understand the difference between that which we know and what we believe.  They are not synonyms. According to, know is defined as, “to perceive or understand as fact or truth; to apprehend clearly and withcertainty.”  Believe is defined as, “to have confidence in the truth, the […]

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Climate and the Great Lakes

Recent reports from the National Oceanic and Atmospheric Administration (NOAA) and the Army Corps of Engineers (the Corps) suggest that water levels in the Great Lakes are likely to stay at or above the long-term average over the next six months.  With the exception of Lake Ontario, lake levels are currently above the seasonal long-term […]

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