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Top Articles - Investment Advisors 101-Ask These Questions
Investment Advisors (IAs) come in all different intellectual, professional, and alphabetical varieties. They range in educational qualifications from High School dropout to PhD, and can be professional Accountants, Insurance Salesmen, Stock Brokers, Investment Managers, Dentists, Lawyers, TV personalities, and Gourmet Che
According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product
fs. Anyone can be an Investment Advisor! It seems reasonable that your trust should gravitate toward those who have educational credentials, hands on experience with their own money, and no direct financial benefit from the advice provided. Stay safer by finding a fee only advisor who has just one profession… and the abil
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
ty to say NO.
Why do people become Investment Advisors? Call me skeptical, but I don’t think it’s the ethereal glow they feel after implementing your new Financial Plan. Actually (once you appreciate that IAs are the primary delivery system for Wall Street’s huge collection of one-size-fits-all products), you’ll realize
Why do people become Investment Advisors? Call me skeptical, but I don’t think it’s the ethereal glow they feel after implementing your new Financial Plan. Actually (once you appreciate that IAs are the primary delivery system for Wall Street’s huge collection of one-size-fits-all products), you’ll realize
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
hat it’s the money. No conspiracy here, just a subtle brainwashing that has convinced you that the Advisor’s primary objective is to protect your family. In reality, the primary goal of commissioned advisors is to protect their own families, and they accomplish this by selling Investment Products. The Investment Advisor l
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
abel has become a euphemism for product salesperson just as Financial Planner nearly always means Insurance salesperson. Stay safer by finding a fee only advisor who has just one profession… and the ability to say NO.
Serious IAs can be identified by acronyms following their names (also by dark three piece suits and faci
Serious IAs can be identified by acronyms following their names (also by dark three piece suits and faci
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
l hair), RIA and CFP being the most common. As professional as this seems, designations do not create trustworthiness, for several reasons: IAs must become RIAs to be licensed to sell investment products. Most practitioners affiliate themselves with major Wall Street Institutions to defray their start up costs and many ar
ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc
subsidized in return for pushing their sponsor’s products. Finally, most advisors will remain in bed with one company at a time throughout their careers, constantly touting the present firm’s products as “best”. Hmmm. Hundreds of companies, thousands of IAs, convincing millions of shoppers (investors) that they have just
easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi
purchased the one very best product to achieve their financial goals. From cradle to grave, most IAs dance to a tune that’s not being played by their clients.
Over the past several years, Wall Street has managed to invade the once respected Insurance Industry by attaching Mutual Funds to life insurance and annuity produ
Over the past several years, Wall Street has managed to invade the once respected Insurance Industry by attaching Mutual Funds to life insurance and annuity produ
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
ts, making them far too speculative to achieve their once guaranteed objectives. But the “variable products” scam dwarfs in potential long-term impact to the more recent high crime against investors. This is the one that ignores the (in-your-face-obvious) Conflict of Interest when Accountants sell investment products! Man
and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ
professionals have multiple degrees; few have multiple practices. You deserve a specialist. If your CPA/Lawyer/Doctor (who’s next) can make a living in his primary practice, why sell investment products? Greed? Hubris? And why does Wall Street allow these non-professionals to push investment products? Don’t be na?ve, the
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
more people out there pushing Investment Products, the bigger the bonus for the Masters of the Universe. Stay safer by finding a fee only advisor who has just one profession… and the ability to say NO.
In spite of the fact that the “burn out” rate among IAs compares with that of restaurants and Mutual Fund Managers, and
In spite of the fact that the “burn out” rate among IAs compares with that of restaurants and Mutual Fund Managers, and
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
that the advisory business itself is a cut-throat, competitive battlefield, the Financial Institutions that employ the majority of IAs prosper, multiply, and produce more product for your “eyes wide shut” consumption… because you, your products, and the management fees remain! A caring and successful Investment Advisor m
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
kes an excellent income and should; a successful financial institution buys other financial institutions!
The hierarchy of commissions paid to IAs can exceed 10% on “private deals”, limited partnerships, and a litany of speculative products and services. On the more controlled substances (sic), Annuity commissions can ru
The hierarchy of commissions paid to IAs can exceed 10% on “private deals”, limited partnerships, and a litany of speculative products and services. On the more controlled substances (sic), Annuity commissions can ru
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
above 8% with 10-year lock up provisions common and Mutual Funds provide a generous 4% to 6% whether you see them or not. New issues, odd lot Bonds, and other securities that don’t show a commission, include marketing fees and mark ups that can be substantial. What ever happened to individual Equity portfolios? It’s a co
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
mbination of in-greed-ients… products are less work and produce more money. Stay safer by finding a fee only advisor who has just one profession, the ability to say NO, and who knows something about individual securities.
Most people need Investment Advisors. Life Insurance protection is vital; fixed annuities are helpfu
Most people need Investment Advisors. Life Insurance protection is vital; fixed annuities are helpfu
t?
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel
for people of limited means; Mutual Funds are the only option (pity) in most self-directed retirement plans. The vast majority of employed Americans are Investors, actively or passively, with little time or expertise to select securities and manage portfolios. (If the Democrats would accept this, they just might win an e
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
ection.) But recent experience confirms that we all have a responsibility to our own money, a responsibility that we should only delegate to a professional if we know what the professional is supposed to know. The fact that he or she is an XYZ Fund representative just isn’t enough. You need an independent advisor that has
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ideas rather than products and an understanding of markets, not marketing.
If you are willing to ask the right questions, you can find an IA who might just be able to help you (and herself) at the same time. Try these for starters: Do you sell any products? Do you have a personal portfolio that I can review? Do you prov
If you are willing to ask the right questions, you can find an IA who might just be able to help you (and herself) at the same time. Try these for starters: Do you sell any products? Do you have a personal portfolio that I can review? Do you prov
.
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de
de a “fee only” advisory service? How long have you been in the financial services business, and is it your only business? (It’s not your job to educate “newbies”!) Are you affiliated with any other financial services companies? Do you have at least five non-family clients who you have been advising for at least five year
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
… that I can contact directly? Will you be compensated for referring me to someone? Stay safer by finding a fee only advisor who has just one profession and the ability to say NO.
The ability to say NO? An advisor will tell you not to do something that he feels is inappropriate… a salesman will do what you tell him to do
The ability to say NO? An advisor will tell you not to do something that he feels is inappropriate… a salesman will do what you tell him to do
tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products
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