1 fiduciary

   noun               fi·du·cia·ry             \fə-ˈdü-shə-rē, -ˈdyü-, -shē-ˌer-ē\

  1. one often in a position of authority who obligates himself or herself to act on behalf of another (as in managing money or property) and assumes a duty to act in good faith and with care, candor, and loyalty in fulfilling the obligation.


Advisor Series: Don’t Call Them Advisors

         Reported in Investment News and later picked up by Reuters, Merrill Lynch has asked two advisors who managed about $2.5 billion to leave the firm after they allegedly guided clients to investments outside of the firm. The pair was thought to violate regulatory rules and company rules prohibiting the sale of securities outside of the firm’s own platform.

Evidence-Based Investment Insights: Ignoring the Siren Song of Daily Market Pricing

Welcome to the next installment in our series of Stowe Financial Planning LLC’s Evidence-Based Investment Insights: Ignoring the Siren Song of Daily Market Pricing.


Bill Gross and Past Performance

        Bill Gross is one of those bright and driven men who arrives on the right stage at the right time, and maybe even leaves at the right time. Gross has had a long and colorful career to this point, founded Pimco and raised it into a bond fund colossus. He built his flagship fund, the Total Return Fund on the back of the great modern bond cycle.

Fundamentals: Diversification - "Avoid the Guessing Game"

          Diversification is key. You might say “Yeah, I know. Don’t put all your eggs in one basket…We get it.” But some have a tendency to throw diversification out the window with the US stock market hitting record highs. The S&P 500 has brought investors a monstrous 39% return since January 2013.

Evidence-Based Investment Insights: You, the Market and the Prices You Pay

Welcome to the next installment in our series of Stowe Financial Planning LLC’s Evidence-Based Investment Insights: You, the Market and the Prices You Pay.


Fiduciary: The Duty of Care

By Bob Stowe, CFP®

Definition of a fiduciary (from Investopedia):

How I Learned to Love the Bond, (at least short term bonds): Revisited

               Earlier this year, I wrote a column discussing the abnormal bond environment and explaining why client’s bond allocations are largely located in low-yield, short-term bonds.  In an ordinary interest rate environment, an investor expects to be compensated for the risk assumed with longer-term bonds.

Should You Have a Living Trust?

A will is the foundation of your estate plan and it is essential if your financial affairs are to be settled in accordance with your wishes. If you die without a will, or “intestate” as the law refers to it, essentially the state becomes your executor and your property will be distributed according to its laws.

Managing Investment Risks

Everyone would agree that it is impossible to predict future stock market returns. Investment models can produce hypothetical returns but they clearly can’t account for future events. So, investors who manage their investments based on market performance or what they perceive as opportunities for better returns have very little control over the outcome.

Whole Life Insurance as a Tax Diversification Strategy

For many people, life insurance forms the security foundation of their financial plan. While most financial planners recommend that life insurance be purchased for its protection, and not as a primary savings vehicle, few would argue that cash value life insurance doesn’t have some fairly unique and attractive savings features.

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1 Source: http://www.merriam-webster.com/dictionary/fiduciary

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