The Diversified Blog

A wealth management blog dedicated to creating a long lasting sustainable retirement

Robert Pyle, CFP®, CFA, is a wealth manager at Diversified Asset Management. He focuses on providing wealth management solutions to successful individuals, families as well as senior executives, small business owners and retirees. Together with his strategic partners, he helps successful, affluent clients address their five biggest concerns: preserving their wealth, mitigating taxes, taking care of their heirs, ensuring their assets are not unjustly taken, and charitable giving.   Robert founded Diversified Asset Management, Inc. in 1996 with the goal to simplify his client’s financial life and solve their most pressing financial challenges, allowing them to have more time with their families and the things they love. He uses a unique consultative process to gain a detailed understanding of his client’s deepest values and goals. He then employs customized recommendations designed to address each client’s unique needs and goals beyond simply investments.   Successful individuals and families work with Robert to: -Develop and implement a comprehensive wealth management plan to help them reach their financial goals and create a long lasting, sustainable retirement. -Make smarter decisions in today’s uncertain political, economic and social environment. -Obtain an independent second opinion from a top financial advisor in their community. -Receive fee-only advice that promotes the clients’ best interests at all times, while avoiding any potential conflict of interest with commissions.   Robert is a widely recognized leader in the Boulder financial advisor community, serving on the Boulder County Estate Planning Council board from 2009-2011. Mr. Pyle has received the CFP® (Certified Financial Planner) and CFA (Chartered Financial Analyst) professional designations. He completes a minimum of 30 hours of continuing education every two years. Robert is a frequent contributor to the Boulder County Business Report (BCBR) and has appeared on 9News.

To Bit or Not to Bit: What Should Investors Make of Bitcoin Mania?

Here is a nice article provided by Dimensional Fund Advisors:

 

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios.

 

CLICK HERE TO READ MORE:

...
Continue reading
80 Hits
0 Comments

Risks of Owning Real Estate

Is Real Estate Investing Right for Me? 

 

The hot real estate market in Boulder and Denver has generated a lot of interest from investors who wonder whether they should get in on the real estate action instead of investing in the stock market. I don’t blame people for wondering. Through both the popular press and word of mouth, success stories abound, suggesting that an investment in real estate may offer a more reliable ride to easy street. 

 

Is the hearsay worth heeding? I’ll explain more in a moment, but here’s the bottom line: There is solid academic evidence suggesting that the real estate market often marches out of step with stock and bond markets, and that it has its own risk/return story to tell. That means that a sensible (typically, small) allocation to real estate may make sense within a well-crafted, globally diversified portfolio. 

...
Continue reading
110 Hits
0 Comments

Lessons for the Next Crisis

Here is a nice article provided by Dimensional Fund Advisors:

 

Capital markets have rewarded investors over the long term, and having an investment approach you can stick with may better prepare you for the next crisis and its aftermath.

 

CLICK HERE TO READ MORE:

...
Continue reading
96 Hits
0 Comments

Contribution Limits to 401K

Here is a nice article provided by Kimberly Lankford of Kiplinger:

 

By Kimberly Lankford, Contributing Editor   

 

September 6, 2017

...
Continue reading
119 Hits
0 Comments

What to Do After Inheriting an IRA

Here is a nice article provided by Kimberly Lankford of Kiplinger:

 

By Kimberly Lankford, Contributing Editor   

 

September 1, 2017

...
Continue reading
91 Hits
0 Comments

Marriage and Roth IRA Contributions

Here is a nice article by Kimberly Lankford of Kiplinger:

 

By Kimberly Lankford, Contributing Editor   

 

August 25, 2017

...
Continue reading
69 Hits
0 Comments

Create a Contract for Family Care

Here is a nice article by Mary Kane of Kiplinger:

 

By Mary Kane, Associate Editor   

 

From Kiplinger's Retirement Report, August 2017

...
Continue reading
76 Hits
0 Comments

Using Flexible Spending Account Dollars at the Drugstore

Here is a nice article by Kimberly Lankford of Kiplinger:

 

By Kimberly Lankford, Contributing Editor   

 

August 22, 2017

...
Continue reading
85 Hits
0 Comments

10 Best College Majors for a Lucrative Career

Here is a nice article by Stacy Rapacon of Kiplinger:

 

By Stacy Rapacon, Online Editor | September 2017

 

College is often considered the surest path to a lucrative career. After all, according to the U.S. Bureau of Labor Statistics, a worker with a bachelor's degree typically earns two-thirds more than someone with just a high school diploma.

...
Continue reading
221 Hits
0 Comments

10 Big Employers That Let You Bring Your Dog to Work

Here is a nice article provided by Sarah Smith of Kiplinger:

 

By Sarah Smith Intern / August 2017

 

While Donald Trump has yet to appoint a four-legged friend to walk the halls of the White House (making him the first president since William McKinley not to have a dog), his Secretary of the Interior, Ryan Zinke, made history this March when he debuted a program allowing dogs in certain government offices. While this may have been a first for the government, many companies have known for years that letting man’s best friend come to work can boost employee satisfaction and retention rates.

...
Continue reading
209 Hits
0 Comments

10 Most Expensive Cities to Live In

Here is a nice article by Dan Burrows of Kiplinger:

 

By Dan Burrows, Contributing Writer / May 2017

 

Costly cities are costly for a reason. Be it climate, geography, culture, economic prosperity or all of the above, the most expensive U.S. cities to live in offer amenities and opportunities for which residents are willing to pay a premium to access. It’s simply the price of admission to enjoy the advantages a desirable place has to offer.

...
Continue reading
109 Hits
0 Comments

10 Worst Jobs for the Future

Here is a nice article provided by Stacy Rapacon of Kiplinger:

 

By Stacy Rapacon, Online Editor | July 2017

 

The labor market is steadily improving, with unemployment at its lowest level in a decade, but some fields continue to experience a downward slide. For example, about 1.7 million manufacturing jobs were lost between January 2007 and January 2017 as some positions have been displaced by advancing technologies and others have moved overseas. And while it's true that manufacturing employment has rebounded a bit since the Great Recession ended, Josh Wright of labor market research firm Economic Modeling Specialists International (EMSI) says many of those added positions call for technical expertise that low-skilled manufacturing workers lack.

...
Continue reading
115 Hits
0 Comments

Will White House Scandals Derail the Stock Market?

Here is a nice article provided by Anne Kates Smith of Kiplinger:

 

By Anne Kates Smith, Senior Editor, From Kiplinger's Personal Finance, August 2017

 

Investors are wondering if the stock market’s Trump bump could morph into the Trump slump as questions continue to swirl around the White House regarding its Russia connections. It’s a high-stakes concern. Since President Trump’s election in November, stocks have risen 14% on high hopes for the president’s pro-business agenda, which includes corporate tax cuts and regulatory rollbacks. But policy has been overshadowed by probes in Congress and in the Justice Department.

...
Continue reading
118 Hits
0 Comments

9 Places to Find Free Money

Here is a nice article provided by the Editors of Kiplinger's Personal Finance:

 

By the Editors of Kiplinger's Personal Finance | August 2017 

 

State treasuries and other agencies are holding more than $40 billion in unclaimed assets, according to the National Association of Unclaimed Property Administrators (NAUPA). Some of it could be yours.

...
Continue reading
121 Hits
0 Comments

The Best Rewards Credit Cards, 2017

Here is a nice article provided by Lisa Gerstner of Kiplinger:

 

By Lisa Gerstner, Contributing Editor | From July 2017

 

Rewards credit cards keep getting more and more rewarding. For the past several years, card issuers have been hustling to attract customers with generous sign-up bonuses and ongoing perks that have the potential to line your pockets with hundreds of dollars a year. The six largest credit card issuers are spending more than twice as much on card rewards than they did in 2010, according to a study by personal finance site MagnifyMoney.com. Chase pumps the most money into its cards, and it shows: Five cards issued by Chase grace our latest list of the best rewards credit cards. Plus, the release of the Chase Sapphire Reserve card last year shook up the market for premium travel rewards cards—those with fees in the hundreds of dollars annually and perks to match—spurring competitors to beef up their offerings or introduce new cards.

...
Continue reading
218 Hits
0 Comments

10 Best Jobs for the Future

Here is a nice article provided by Stacy Rapacon of Kiplinger:

 

By Stacy Rapacon, Online Editor | July 2017

 

The U.S. job market is looking good. The unemployment rate is hovering below the 5% mark, as it has been for more than a year. But not every profession is booming. "In general, it’s a very robust labor market with a lot of widespread growth," says Josh Wright of labor market research firm Economic Modeling Specialists International (EMSI). "A few key sectors are trending up, but some are trending down."

...
Continue reading
124 Hits
0 Comments

Academic Research Produces About Three to Five Good Ideas Every 20 Years

 

In a recent article by Ron Rimkus, CFA he asked Nobel Laureate Eugene Fama some questions regarding investing. Eugene Fama said to stick with the basic factors. 

 

"One of the problems with the financial industry today," Fama lamented, "is that academic research produces about three to five good ideas every 20 years. However, the financial industry packages and sells about 10 new ideas per week." The industry has clearly begun to embrace passively managed index funds and such factor-based products as smart beta. 

 

...
Continue reading
155 Hits
0 Comments

10 Best Values in U.S. Colleges, 2017

Here is a nice article provided by Kaitlin Pitsker of Kiplinger:

 

By Kaitlin Pitsker, Staff Writer | March 2017

 

To help you sort through your college choices, we present the creme de la creme of our annual list of best value colleges and universities. These 10 schools are the top-scoring schools in our combined ranking, which compares private universities, private liberal arts colleges and public colleges (using-out-of-state costs) to help you see your options side by side. As always, we look for schools that meet our definition of best value: a blend of academic quality and affordability. Among our criteria for academic quality are a competitive admission rate, a high four-year graduation rate and a low student-faculty ratio. We look for schools with a reasonable price tag, generous financial aid for students who qualify, and low student debt at graduation. We’ve also included future earnings data, based on the median earnings of workers who started at a particular college 10 years earlier, to give you an idea of what attending a particular institution may mean for a student’s post-graduation salary.

...
Continue reading
114 Hits
0 Comments

7 Signs You Are Buying a Counterfeit Product

Here is a nice article provided by Andrea Browne Taylor of Kiplinger:

 

By Andrea Browne Taylor, Online Editor | June 2017

 

You love the finer things in life -- designer clothing, precious jewelry and top-of-the-line electronics -- but can't really afford them at retail price. So you take to the internet or pound the pavement in a sketchy downtown shopping district in search of deep discounts. You, dear reader, are a counterfeit merchant's dream come true.

...
Continue reading
99 Hits
0 Comments

13 Secrets Shoppers Need to Know About Aldi

Here is a nice article provided by Andrea Browne Taylor of Kiplinger: 

 

By Andrea Browne Taylor, Online Editor   | Updated June 2017

 

For many shoppers who are serious about spending less on groceries, a trip to discount supermarket Aldi is a weekly ritual. The chain, founded in Germany, credits its rock-bottom prices to low labor and operating costs, a limited selection of mostly inexpensive private brands, and a no-frills store design. Merchandise is often stacked in the aisles and sold straight from the cardboard box it was shipped in. Essentially, it's a grocery store that's the size of a convenience store.

...
Continue reading
153 Hits
0 Comments

10 Small Towns With Big Millionaire Populations

Here is a nice article provided by Dan Burrows of Kiplinger:

 

By Dan Burrows, Contributing Writer | June 2017

 

Just 5.5% of the households in the U.S. qualify as bona fide millionaires. That means they have investable assets of $1 million or more, excluding the value of real estate, employer-sponsored retirement plans and business partnerships. Not surprisingly, the majority of these 6.8 million wealthy households can be found in big cities such as New York, Los Angeles and Chicago.

...
Continue reading
118 Hits
0 Comments

11 Satellite Cities Poised to Thrive in 2017

Here is a nice article provided by David Payne of Kiplinger:

 

By David Payne, Staff Economist | March 2017, Nick Mourtoupalas also contributed to this report. 

 

It’s been a slow climb back from the Great Recession for the nation’s major metropolitan areas. Yet job seekers often overlook the small and medium cities located near or relatively near the big hubs. As the big metro areas recover, these smaller “satellite” cities benefit from spreading regional business growth, while offering lower housing and commuter costs, putting less of a squeeze on employee salaries than more expensive, congested places a few hours away.

...
Continue reading
104 Hits
0 Comments

How Survivorship Bias Can Skew Your Views on Mutual Fund Performance - 2017

How Survivorship Bias Can Skew Your Views on Mutual Fund Performance updated thru 2016

 

It’s important to avoid treating the market like a popularity contest by chasing outperformers or running away from the underdogs. But neither do most investors want to go into the market entirely blind. For that, there are database services that track and report on how various fund managers and their offerings have performed.

 

Besides ample evidence that past performance does not predict future returns, there is another reason we advise investors to proceed with caution when considering past performance: Many returns databases are weakened by survivorship bias.

...
Continue reading
134 Hits
0 Comments

Where Millionaires Live in America

Here is a nice article provided by Dan Burrows of Kiplinger:

 

By Dan Burrows, Contributing Writer | May 2017

 

A million dollars ain't what it used to be, but it still earns you entry into an elite group. Only 5.5% of the country, or about 6.8 million households, qualify as bona fide millionaires. That means they have investable assets of $1 million or more, excluding the value of real estate, employer-sponsored retirement plans and business partnerships.

...
Continue reading
118 Hits
0 Comments

10 Things You Must Know About Medicare

Here is a nice article provided by the Editors of Kiplinger’s Retirement Report:

 

By the Editors of Kiplinger’s Retirement Report | Updated May 2017

 

Heading into your retirement years brings a slew of new topics to grapple with, and one of the most maddening may be Medicare. Figuring out when to enroll, what to enroll in and what coverage will be best for you can be daunting. To help you wade easily into the waters, here are ten essential things you need to know about Medicare.

...
Continue reading
125 Hits
0 Comments

14 Secrets to Shopping at Costco

Here is a nice article provided by Andrea Browne Taylor of Kiplinger:

 

By Andrea Browne Taylor, Online Editor | Updated April 2017

 

14 Secrets to Shopping at Costco

...
Continue reading
410 Hits
0 Comments

10 Cheapest US Cities to Live In

Here is a nice article provided by Dan Burrows of Kiplinger:

 

By Dan Burrows, Contributing Writer | May 2017

 

When it comes to cheap living, don't mess with Texas. The Lone Star State is home to the two most-affordable cities in America. But Texas doesn't have a monopoly on low living costs. Five other states make an appearance on our list.

...
Continue reading
116 Hits
0 Comments

When Rates Go Up, Do Stocks Go Down?

Here is a nice article provided by Dimensional Fund Advisors:

 

Unlike bond prices, which tend to go down when yields go up, stock prices might rise or fall with changes in interest rates. Despite the unpredictable nature of interest rate changes, investors may still be curious about what might happen to stocks if interest rates go up.

CLICK HERE TO READ MORE:

When-Rates-Go-Up-Do-Stocks-Go-Down.pdf

...
Continue reading
145 Hits
0 Comments

Letter From the Chairman, 2017

Here is a nice article provided by David Booth of Dimensional Fund Advisors:

 

After more than 35 years in the financial services industry, I have found that having an investment philosophy—one that is robust and that you can stick with—cannot be overstated.

CLICK HERE TO READ MORE:

Letter-from-the-Chairman-2017.pdf

...
Continue reading
124 Hits
0 Comments

On Leading, Learning, and the Future

Here is a nice article provided by Dave Butler of Dimensional Fund Advisors:

 

Since being appointed Co-CEO of Dimensional in late February, I’ve had a number of advisors ask me about my new role. I recently sat down with Jake DeKinder, Head of Advisor Communications, for an internal Q&A session with Dimensional’s Financial Advisor Services (FAS) group. 

CLICK HERE TO READ MORE:

On-Leading-Learning-and-the-Future.pdf

...
Continue reading
241 Hits
0 Comments

The Uncertainty Paradox

Here is a nice article provided by Dimensional Fund Advisors:

 

“The market hates uncertainty” has been a common enough saying in recent years, but how logical is it? There are many different aspects to uncertainty, some that can be measured and some that cannot. As individuals, we can feel more or less uncertain, but that is a distinctly human phenomenon.

CLICK HERE TO READ MORE:

The-Uncertainty-Paradox.pdf

...
Continue reading
167 Hits
0 Comments

12 Secrets to Shopping at Home Depot

Here is a nice article provided by Bob Niedt of Kiplinger: 

 

By Bob Niedt, Online Editor | March 2017

 

Home Depot is probably the first retailer to come to mind when you’re thinking “ubiquitous big-box hardware store.” The rise of these orange-hued home-improvement centers was a revelation to those who grew up with small, neighborhood hardware stores in the 20th century and who became adult homeowners and DIYers in the 21st.

...
Continue reading
157 Hits
0 Comments

13 Ways to Simplify Your Finances

Here is a nice article provided by the Editors of Kiplinger’s Personal Finance:

 

By the Editors of Kiplinger’s Personal Finance | From Kiplinger's Personal Finance, May 2017

 

We know you're stressed out. Our strategies can help you simplify, streamline and organize your financial life to free up both time and cash.

...
Continue reading
179 Hits
0 Comments

15 Surprising Benefits of Amazon Prime

Here is a nice article provided by Bob Neidt of Kiplinger:

 

By Bob Neidt, Online Editor | March 2017

 

Many of us first signed up for Amazon Prime years ago to take advantage of free two-day shipping, and stayed with it as the giant online retailer edged the annual fee toward the triple-digit mark. But what are you really getting with your $99-a-year Amazon Prime membership? A lot more than you’re probably using.

...
Continue reading
162 Hits
0 Comments

Evolution of Financial Research: The Profitability Premium

Here is a nice article provided by Dimensional Fund Advisors:

 

Since the 1950s, there have been numerous breakthroughs in the field of financial economics that have benefited both society and investors. An important insight is how profitability and market prices can be used to increase the expected returns of a stock portfolio without having to attempt to outguess market prices.

CLICK HERE TO READ MORE:

The-Profitability-Premium.pdf

...
Continue reading
162 Hits
0 Comments

Going Global: A Look at Public Company Listings

Here is a nice article provided by Dimensional Fund Advisors:

 

To build a well-diversified portfolio, an investor has to look beyond any single country’s stock market and take a global approach.

CLICK HERE TO READ MORE:

A-Look-at-Public-Company-Listings.pdf

...
Continue reading
162 Hits
0 Comments

Investment Shock Absorbers

Here is a nice article provided by Jim Parker of Dimensional Fund Advisors:

 

Ever ridden in a car with worn-out shock absorbers? Every bump is jarring, every corner stomach-churning, and every red light an excuse to assume the brace position. Owning an undiversified portfolio can trigger similar reactions.

CLICK HERE TO READ MORE:

Investment-Shock-Absorbers.pdf

...
Continue reading
282 Hits
0 Comments

The Reality of Models

Here is a nice article provided by Dimensional Fund Advisors:

 

Investors who are evaluating investment strategies can benefit from understanding that the reality of markets, just like the weather, cannot be fully explained by any model. Hence, investors should be wary of any approach that requires a high degree of trust in a model alone.

CLICK HERE TO READ MORE:

The-Reality-of-Models.pdf

...
Continue reading
162 Hits
0 Comments

Models, Uncertainty, and the Importance of Trust

Here is a nice article provided by Marlena Lee of Dimensional Fund Advisors:

 

Models are approximations of the world. They can be useful for gaining insights that help us make good decisions. But they can also be dangerous if someone is over confident and does not understand their limitations. 

CLICK HERE TO READ MORE:

Models-Uncertainty-and-the-Importance-of-Trust.pdf

...
Continue reading
154 Hits
0 Comments

New Market Highs and Positive Expected Returns

Here is a nice article provided by Dimensional Fund Advisors:

 

When markets hit new highs, is that an indication that it's time for investors to cash out? History tells us that a market index being at an all-time high generally does not provide actionable information for investors. 

CLICK HERE TO READ MORE:

New-Market-Highs-and-Positive-Expected-Returns.pdf

...
Continue reading
158 Hits
0 Comments

Prediction Season


Here is a nice article provided by Dimensional Fund Advisors:

 

Predictions about future price movements come in all shapes and sizes, but most of them tempt the investor into playing a game of outguessing the market. It is wise to remember that investors are better served by sticking with a long-term plan rather than changing course in reaction to predictions and short-term calls. CLICK HERE TO READ MORE: 

Prediction-Season.pdf

 

...
Continue reading
167 Hits
0 Comments

The Dimensional Active Passive Powerhouse

Here is a nice article provided by Jason Zweig of The Wall Street Journal:

 

The fastest growing major mutual-fund company in the U.S. isn't strictly an active or passive investor. It is both. Dimensional Fund Advisors is the sixth-largest mutual-fund manager, drawing nearly $2 billion in net assets a month at a time when investors are fleeing many other firms. 

CLICK HERE TO READ MORE:

 The-Active-Passive-Powerhouse.pdf

...
Continue reading
194 Hits
0 Comments

8 Things Home Buyers Will Hate About Your House

Here is a nice article provided by Pat Mertz Esswein of Kiplinger:

 

By Pat Mertz Esswein, Associate Editor | February 2017

 

As a home seller, you don’t want to let the small stuff sabotage your sale.

...
Continue reading
237 Hits
0 Comments

17 Red Flags for IRS Auditors

Here is a nice article provided by Joy Taylor of Kiplinger:

 

By Joy Taylor, Assistant Editor | March 2017

 

Ever wonder why some tax returns are eyeballed by the Internal Revenue Service while most are ignored? Short on personnel and funding, the IRS audited only 0.70% of all individual tax returns in 2016. So the odds are pretty low that your return will be singled out for review. And, of course, the only reason filers should worry about an audit is if they are fudging on their taxes.

...
Continue reading
173 Hits
0 Comments

Time-Tested Tactics to Build Your Wealth

Here is a nice article provided by the Editors of Kiplinger’s Personal Finance:

 

By the Editors of Kiplinger’s Personal Finance | April 2017

 

We have doled out a lot of good advice over the 70 years we’ve been publishing Kiplinger's Personal Finance magazine. So in many ways it was easy to come up with 70 ideas on how to create wealth. But when our editorial staff submitted nearly 300 ideas, the editors had to roll up our collective sleeves and distill the advice into absolute gems.

...
Continue reading
208 Hits
0 Comments

10 Secrets Trader Joe's Shoppers Need to Know

Here is a nice article provided by Andrea Browne Taylor of Kiplinger:

 

By Andrea Browne Taylor, Online Editor | Updated March 2017

 

Trader Joe's is well-known to its fans for low prices on unique food items, ranging from cookie butter to turkey corn dogs. The chain is also known for its quirky culture. Employees, easy to spot in their Hawaiian shirts, go out of their way to be helpful, and plastic lobsters are used to decorate stores.

...
Continue reading
272 Hits
0 Comments

10 Worst States To Live In For Taxes

Here is a nice article provided by Sandra Block of Kiplinger:

 

By Sandra Block, Senior Associate Editor | October 2016

 

Lots of people fret about how much they have to pay Uncle Sam, but he’s not the only tax man you have to worry about: Your state can squeeze you for plenty of taxes, too.

...
Continue reading
197 Hits
0 Comments

5 States Where Taxes Are Going Up in 2017

Here is a nice article provided by Sandra Block of Kiplinger:

 

By Sandra Block, Senior Associate Editor | January 2017

 

Although President-elect Donald Trump has pledged to cut federal taxes, state taxes are rising across the U.S. as financially strapped states search for funds to repair deteriorating infrastructure and close widening budget shortfalls. In their search for revenue, states have targeted everything from e-cigarettes to lottery winnings.

...
Continue reading
206 Hits
0 Comments

10 Kirkland Products You Should Buy at Costco

Here is a nice article provided by Bob Niedt of Kiplinger:

 

By Bob Niedt, Online Editor | January 2017

 

Years back, retailers got wise to the ways of store brands. You know the drill: Grocers stock their shelves with food items packaged just for them, from pasta sauces to pinto beans. For most, gone are the days of those products signaling to customers that yes, they’re less expensive than national brands -- and less tasty. I’m looking at you, old-school A&P with your Ann Page line of goods. Rest in peace.

...
Continue reading
1072 Hits
0 Comments

7 Habits of People With Excellent Credit Scores

Here is a nice article provided by Lisa Gerstner of Kiplinger:

 

By Lisa Gerstner, Contributing Editor | February 2017

 

Want to improve your credit score? Take a page from the best. People with excellent scores know that following a few basic rules is the key to success. Adopting their habits could boost your score into the stratosphere, opening the door to the best interest rates and terms on loans. And capturing the lowest loan rates can save you a bundle of money in the long run.

...
Continue reading
163 Hits
0 Comments

Let us give you a second opinion

Contact us to schedule a no-cost no-obligation consultation and receive a free special report called Finding the Right Financial Advisor - Seven Questions to Help You Discover Whether a Financial Advisor Is the Right Match for You and Your Family.