Your Investments

We put the power of the market to work for you

Our investment philosophy is pretty simple.

Based on these five principles, we start with planning and then design your portfolio using passive investments, in the right mix for you.
  • It’s impossible to beat the market most of the time. Lorraine’s story
  • Diversification of a portfolio is more important to long term growth than picking winners. Janet’s story
  • Low fees on your investments means more money in your pocket. Angelica’s story
  • Time in the market is more important than timing the market. Rebecca’s story
  • Your portfolio should reflect your individual financial plan, not your neighbor’s. Bill’s story

Our investment philosophy is pretty simple.

Based on these five principles, we start with planning and then design your portfolio using passive investments, in the right mix for you.
  • It’s impossible to beat the market most of the time. Lorraine’s story
  • Diversification of a portfolio is more important to long term growth than picking winners. Janet’s story
  • Low fees on your investments means more money in your pocket. Angelica’s story
  • Time in the market is more important than timing the market. Rebecca’s story
  • Your portfolio should reflect your individual financial plan, not your neighbor’s. Bill’s story

“I read about big returns on a stock, should I invest?”

Janet came into our meeting very excited about the investment she discovered in Kiplinger’s magazine. She eagerly found the page and pointed it out to us. “This investment is up over 15%. I think I should invest in this one.” Turns out, it was a Vanguard S&P 500 index. And, yes, we agree it is a good investment but not because of the return but because it is a basket of many different stocks that tracks the market.
Myth:Experts know things before I do.
Truth:
The internet has democratized information. News spreads faster than a virus. If it is known to one it is known to everyone. No one has the inside info.
Truth: The internet has democratized information. News spreads faster than a virus. If it is known to one it is known to everyone. No one has the inside info.

"What should I expect from investing in the market?”"

I like to share a story about my own investing. Back in 2000 I held 100 shares of Lucent Technologies because it was part of an AT&T divestiture. In April of that year, I could tell you I had a brilliant market insight as I sold Lucent at $62 a share. But truthfully, it was just luck- I needed the money at the time. A year later it was trading at $10 and by the time it was acquired by Alcatel, it was trading around $2.50. Be skeptical about stories of extraordinary market performance. It’s usually just luck.
Myth:I can beat the market.
Truth:
Outperforming the market, if it happens, is really a matter of luck. When you hear stories about impressive gains someone has made, know that they are only telling you about their winners and not their losers.
Truth: Outperforming the market, if it happens, is really a matter of luck. When you hear stories about impressive gains someone has made, know that they are only telling you about their winners and not their losers.

"What should I expect from investing in the market?”"

I like to share a story about my own investing. Back in 2000 I held 100 shares of Lucent Technologies because it was part of an AT&T divestiture. In April of that year, I could tell you I had a brilliant market insight as I sold Lucent at $62 a share. But truthfully, it was just luck- I needed the money at the time. A year later it was trading at $10 and by the time it was acquired by Alcatel, it was trading around $2.50. Be skeptical about stories of extraordinary market performance. It’s usually just luck.
Myth:I can beat the market.
Truth:
Outperforming the market, if it happens, is really a matter of luck. When you hear stories about impressive gains someone has made, know that they are only telling you about their winners and not their losers.

“I was told to never sell my stocks. Is that correct?”

Rebecca came to us after her father passed away. She brought in a statement of what he owned and she inherited. She told us her Dad said never to sell any of these stocks. They will always be great. As I glanced at the list, GE (General Electric) jumped out at me. The once powerful company and what, until last year, was the only remaining original stock in the DOW Industrial Average, was on the list. Once trading at near $60/share it was now at $8.49. Nothing lasts forever, especially not businesses. Investment accounts need supervision.

Myth:Passive investing means my advisor doesn’t have to do anything.

Truth:
If your advisor isn’t doing anything, you need to find another one. Although passive investing means you are not trading in and out of the market based on market conditions, it doesn’t mean you do not have to rebalance your accounts. As one asset class, like stocks, goes up in value, too much of that will make your account riskier than you want. The monitoring and regular rebalancing of accounts is essential- but you should expect even more. That’s the reason we created Financial Wellness for Life.
Truth: If your advisor isn’t doing anything, you need to find another one. Although passive investing means you are not trading in and out of the market based on market conditions, it doesn’t mean you do not have to rebalance your accounts. As one asset class, like stocks, goes up in value, too much of that will make your account riskier than you want. The monitoring and regular rebalancing of accounts is essential- but you should expect even more. That’s the reason we created Financial Wellness for Life.

“Why is my advisor charging me just to manage my portfolio?”

Angelica came to us with an existing portfolio designed by her husband who recently passed away. Her husband’s advisor had recommended a portfolio of mutual funds but she had no idea what they were or why she owned them. In looking at the funds, we discovered that the internal expenses of the funds were over 1% and the advisor was charging an additional 1% to manage the portfolio. What was included in those fees? Nothing but the management of the account. No financial planning, no help with cash flow, no tax planning-nothing extra. Once she heard about the comprehensive services we offered she was thrilled to move her accounts.
Myth:Most investment costs and advisory fees are the same.
Truth:
Fees range from single digit percentages to over 3% and that’s only the internal expenses of mutual funds and ETFs. Advisory fees also vary. The important question to ask is “What services am I getting for my fees?” Better Money Decisions works for you as financial advocates through our Financial Wellness for Life service.
Truth: Fees range from single digit percentages to over 3% and that’s only the internal expenses of mutual funds and ETFs. Advisory fees also vary. The important question to ask is “What services am I getting for my fees?” Better Money Decisions works for you as financial advocates through our Financial Wellness for Life service.

“Why is my advisor charging me just to manage my portfolio?”

Angelica came to us with an existing portfolio designed by her husband who recently passed away. Her husband’s advisor had recommended a portfolio of mutual funds but she had no idea what they were or why she owned them. In looking at the funds, we discovered that the internal expenses of the funds were over 1% and the advisor was charging an additional 1% to manage the portfolio. What was included in those fees? Nothing but the management of the account. No financial planning, no help with cash flow, no tax planning-nothing extra. Once she heard about the comprehensive services we offered she was thrilled to move her accounts.
Myth:Most investment costs and advisory fees are the same.
Truth:
Fees range from single digit percentages to over 3% and that’s only the internal expenses of mutual funds and ETFs. Advisory fees also vary. The important question to ask is “What services am I getting for my fees?” Better Money Decisions works for you as financial advocates through our Financial Wellness for Life service.

“Is long-term investing better than quick trades?”

Engineer Bill came to us a few years ago. He had been trying to follow the guy on CNBC who rings the cow bell and shouts at the audience. His investments were a disaster. Everything he had was losing money. In frustration he reached out to us. Our first question to him was, “What’s the purpose for the money?” He had never thought of it that way. He was investing for retirement which was at least a decade into the future so he should have been investing with a long-term view not doing quick trades. He now has a plan and is well on his way to a successful retirement.

Myth:I’ll just pick an investment guru and follow what he says.

Truth:
Those famous TV personalities and investment gurus doesn’t know you. What they recommend might be exactly what you don’t need. An investment portfolio needs to be based on your goals and purpose not on some random strategy that may be too risky or inappropriate.
Truth: Those famous TV personalities and investment gurus doesn’t know you. What they recommend might be exactly what you don’t need. An investment portfolio needs to be based on your goals and purpose not on some random strategy that may be too risky or inappropriate.

Investments are just one phase of our Financial Wellness for Life® service

Financial Wellness for Life® is a comprehensive, holistic wealth management oversight program designed to guide you through the never ending changes life brings.

After all, what’s money for but to live the life you want?

Find out how Financial Wellness for Life® can help you.

Find out how Financial Wellness for Life® can help you.

Schedule today
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In your Financial Wellness for Life® sessions, you will receive:
  • One-on-one, concierge service from our Certified Financial Planners®
  • Ongoing guidance on every financial question you have
  • Regular check-ins about your financial goals
  • A portfolio that is hand-tailored just for you
  • Fully-diversified investments
  • A unique Financial Wellness For Life roadmap
REGISTRATION
Investment advisory services offered through Better Money Decisions, LLC, an investment advisor registered through the SEC.
Better Money Decisions, LLC, may transact business only in states in which it is registered, or in which it is excluded or exempted from registration.
Better Money Decisions, LLC, is currently registered in the states of New Mexico, Arizona, Texas and California.

REGISTRATION

Investment advisory services offered through Better Money Decisions, LLC, an investment advisor registered through the SEC.

Better Money Decisions, LLC, may transact business only in states in which it is registered, or in which it is excluded or exempted from registration.

Better Money Decisions, LLC, is currently registered in the states of New Mexico, Arizona, Texas and California.

Copyright © 2019 Better Money Decisions. Financial Wellness for Life® is a registered trademark of Better Financial Decisions, LLC. All rights reserved.

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