Our Mission - provide the ‘mass affluent’

Wall St beating returns at an affordable price 

 Our Chief Advisor is one of the nation’s leading practicing CPA financial planners. This gentleman has over thirty years experience as a Certified Public Accountant and manages one of the largest wealth management practices in the country.

Accomplishments include earning the Personal Financial Specialist designation from the American Institute of Certified Public Accountants, a biography listed in the 1996 Edition of Who’s Who in American Finance and Industry for his pioneering work in developing wealth management processes and is a member of the Board of Trustees and Investment Committee of one of the nation’s oldest and largest religious charitable organizations, advising on over $500 million in endowed investable assets.

The volunteer service our advisors provide allow us to give you top investment advice at a drastically reduced price! They prefer to remain anyomous as to not cause any conflicts of interest

America’s business history is full of stories of entrepreneurs who have changed the face of an industry with new business ideas.  Many times, these are not new inventions, but simply new ways of delivering an existing product or service.

• Larry Page and Sergey Brin improved everyone’s ability to access information and advice with the creation of search engine, Google

• Sam Walton changed the retail shopping experience with Wal-Mart by improving the process of buying and managing inventories

• eBay and Amazon could be the most successful new internet businesses focused on changing the way people shop

• And Fred Smith may have been disappointed when his college professor gave him a “C” on his new business idea, but he proceeded anyway—the result, Federal Express

We believe the next wave of internet businesses will be focused on enabling individuals and families to better manage their time and their lives.  They will benefit from access to more choices, higher quality advice, and much lower costs.  The result will be a simpler and more personal delivery system for nearly everything, especially financial services.  

Investors-Insight.com is a pioneering web site whose creators are driven by some of the same goals that have driven successful entrepreneurs in the past. We see an industry that has become bloated with a cost structure that makes its’ products and services unaffordable for most families. We see conflicts of interest that benefit the company over the individual investor. We see advisors who are poorly trained and work in a system with the wrong incentives, and WE aim to change all this. 

   
An investment genius from America’s heartland once stated that he could potentially earn returns of up to 50% per year.  This would double your money every twenty months.  Said by anyone else and we would all laugh.  But that comment was made by Mr. Warren Buffett, one of our country’s great investors.    

The financial services industry today is dominated by a few large and complex companies.  It is an industry that has grown up out of the Depression and in the process has added layer upon layer of administration, legal, sales and marketing, and other costs that are then passed on to you.   But do all those costs really benefit you?  Do they enhance your returns?    

In one of the most astounding developments in recent history, many of the largest companies in the financial services industry have recently announced that they cannot profitably serve investors who have less than $250,000.  Their alternative is to outsource these clients to national service centers.  Investors with assets between $250,000 and $500,000 would be directed to less experienced brokers. 

Only if you have more than $1 million dollars of investment assets do you get the full attention of an educated and experienced financial advisor. While this may be the best solution for the large firms in that it provides them with a way to continue the relationship with the investor, the level of advice is low, the costs are still too high and the returns are likely to be average or below that.   

 OTHER FUN FACTS..

If you are over fifty, you might remember the “Nifty Fifty” stocks of the 1970’s.  Most of these stocks, which were billed as “buy and hold forever” lost most of their value over the next several years.  Some even went bankrupt. 

 
A more recent example was seen in the summer of 2000.  Fortune, a highly respected publication and the home to many fine pieces of journalism over the years, published an article titled “10 Stocks to Last the Decade.” 
  

   
An easy enough challenge, one might surmise—simply selecting ten companies that would …do well.  Actually, this article promised more than that.  These stocks were predicted to be “winners”. 

   
Here is the list and how they have done since: 

 Gains Since August, 2000  

 All these companies were generally considered “new era” businesses with price multiples that were “high risk”.  Each company enjoyed a reputation of being revolutionary at the time and had experienced explosive growth (from the rear view mirror).  But revolutionary enterprises don’t necessarily make great investments.  It is apparent now that an appropriate valuation was not a major factor for inclusion on this list.   
  

 
This is where independent and objective advice (from an investment professional, not a journalist), combined with good fundamental analysis, becomes invaluable to investment success.  This is also why we are so passionate about our service. 

 An independent research company Dalbar, studies investor returns.  In a story in Investment News (June 12, 2006) they discovered that investors in the S&P 500 would have realized average returns of 11.9% per year if they had simply sat on their hands.  However, by analyzing mutual fund cash flows, they determined that the average investor actually earned just 3.9% annually.

This suggests that it is not just market volatility that makes investing difficult, but investor behavior is a major contributor.  And there is little evidence that using a stockbroker improves returns.  In fact there is some evidence that many advisors are affected by the same emotional responses to market volatility as their clients.  And due to the tax and transaction costs of following their advice, returns of investors who use inexperienced and under-educated advisors are worse than if they had invested on their own.

We believe with some encouragement from Investors Insight, you can dramatically improve not only your returns, but your health as well with the peace of mind that comes from high quality advice from a trusted source.

Past Performance Hypotheticals - Coming Dec 1st 2010

*All figures are proposed as hypothetical until audited for a time period of 3 years