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101 Truths

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VIDEOS OF THE MONTH:

What It Means To Be A Fiduciary Advisor

Do you want an enabler or a fiduciary advisor?

The easiest thing for any advisor or broker to do is to appease an investor and say, "You're right, let's sell that position and we will just replace it" (with whatever is hot at the time). This will take about 5 minutes, and the investor client will be happy, even though it may lead to selling low and eventually buying high, which is bad for the client, potentially costing them thousands of dollars.

Many advisors and brokers just tell the client what they want to hear, instead of what they need to hear. It is simply easier to do. Want proof? Call any discount broker, or insurance agent, or commission broker, and ask them to buy any investment that you know is imprudent for you, and see if they will sell it to you. They will, and it won't take long at all. They will give you whatever you want.

Want gold? They will sell it to you. Want all U.S. stocks? They will sell it to you. Want a crappy expensive annuity? They will sell it to you. Want options? They will open an options account for you. Want an aggressive stock fund? They will sell it to you. Want to buy some penny stocks? They will sell them to you. Anything you want.

In the past, it was investors clamoring for gold, energy, real estate, technology stocks, and countries like Japan, Brazil, China and India, which were all on the hot list at some point in time, with investors piling in. The list goes on and on.

It is our job to help you have a successful lifetime experience. It is not our job to make you happy, when making you happy may hurt you, or is not in your best interest. We will not enable you to do the wrong things.

Most "financial professionals" are not fiduciaries and are not required by law, or bound by ethical standards to work in your best interest.

Royal American Financial Advisors is a fiduciary advisor. In keeping your best interests in mind, we will not accept any commissions, fees, or incentives from any third parties or financial institutions. Our compensation is not effected by financial products or incentives. We have made a commitment to only accept compensation directly from our clients. By making this commitment to not accept compensation from third parties, we eliminate potential conflicts, so you can have confidence we are making decisions in your best interest.

Dedicated to Your Peace of MInd,
John Borger & Scott Buchanan


Always Looking for Perfect

If you are an investor that is always looking for the perfect mutual fund, you will fall right into a financial industry trap. Watch this short video to find out what it is.

Continue to learn, stay diversified according to your risk tolerance, stay disciplined, and rebalance. Education is your best defense against imprudent investing. Invest intelligently!

Dedicated to Your Peace of Mind,
John Borger & Scott Buchanan


Do Markets Have Linear Returns?

In this short video, John explains what happened to the markets after the election (not just the stock markets). Find out what happened to gold, bond markets, interest rates, real estate, equity returns over long periods of time, the small company and value premium that shows up over long periods of time, and why discipline in a prudent, diversified allocation is so critical to a successful investing experience.


One of the reasons prudent investing is so hard to stick with over long periods of time is precisely because markets do not provide linear returns. We don't get the same return every year, and sometimes we even get negative returns.

This short video is an important lesson. Don't miss it!

Continue to learn, stay diversified according to your risk tolerance, stay disciplined, and rebalance. Education is your best defense against imprudent investing. Invest intelligently!

Dedicated to Your Peace of Mind,
John Borger & Scott Buchanan
 

 

Can Wealth be Created out of Nothing?

Can wealth be created out of nothing? Interesting question.

Watch this short and fascinating video to find out the answer and the KEY to wealth creation.

The free market system creates and innovates, but also disrupts and destroys. Technology is always mutating in unimaginable ways, creating wealth for prudent investors. In this short clip we show you everything from a pile of logs, to YouTube, to Boeing 2116, and to 3D printing. Some amazing stuff.

Continue to learn, stay diversified according to your risk tolerance, stay disciplined, and rebalance. Education is your best defense against imprudent investing. Invest intelligently!

Dedicated to Your Peace of Mind,
John Borger & Scott Buchanan


 
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