Why does Mike believe that return on investment is the most important part of any investment portfolio? Mike runs through why his investing philosophy puts return on investment above everything else.

Investors Should Keep Their Expectations High

By Adams Financial Concepts | January 17, 2018 | 0 Comments

As an investor, do not lower your expectations. Some such as Charles Ellis, author of Winning the Loser’s Game, think you should. He found that 80 to 90 percent of money managers underperform the market. His conclusion? Investors should lower their expectations. He’s not alone in his findings on under performance. […]

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Fiduciary or Not?

By Adams Financial Concepts | January 17, 2018 | 0 Comments

As a business owner, if you offer a retirement plan to your employee’s you are a plan sponsor and therefore a fiduciary. Even if you hire an advisor, the Department of Labor (DOL) considers you a fiduciary. As such, you are held legally responsible for your plans compliance. Why is […]

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Fees

By Adams Financial Concepts | January 17, 2018 | 0 Comments

Do you know what your broker is charging you? The North American Securities Association recently published a survey of 34 big and regional brokerage firms and found their fee disclosures were complicated and ranged from 1 to 45 pages. While the disclosures met the technical requirements of disclosure, they were […]

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Diversification or DeWORSification

By Adams Financial Concepts | January 17, 2018 | 0 Comments

I believe one of the main reasons money managers underperform the market is diversification. Robert Haywood from the University of Denver showed that if you took most money managers’ top ten stock picks, they outperformed the market. But, when you add the other 100 plus stocks , which most money managers have, […]

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Big Questions

By Adams Financial Concepts | January 17, 2018 | 0 Comments

The Fiduciary Standard says, “A broker or financial advisor must make every decision in the best interest of their client.” Sounds like the right thing to me. Why then are big firms fighting this standard? Registered investment advisors must adhere to this fiduciary standard. But, registered representatives, such as financial […]

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Chocolate-Covered Hand Grenades

By Adams Financial Concepts | January 17, 2018 | 0 Comments

What is something worth? It’s worth as much as another man or woman is willing to pay for it. When I talk about investing in “chocolate covered hand grenades,” I’m not literally talking about hand grenades or chocolates. I’m describing what happens when people invest in bubbles. Bubbles in the […]

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A Better Approach to Financial Planning

By Adams Financial Concepts | January 17, 2018 | 0 Comments

I said it last week. I’m going to say it again. Do not lower your expectations as an investor. Did the Great Recession leave you wary? Most likely. As you evaluate your portfolio and establish your goals, you should consider on what your portfolio is based. Many financial advisors build their client […]

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401(k) Developments

By Adams Financial Concepts | January 17, 2018 | 0 Comments

It’s my pleasure to introduce Rowena Lei, the newest member of the Adams Financial Concepts family. As a recent graduate from the University of Washington, Rowena majored in History. Monday was her first official day in the office. She’s a bright, talented young woman and I’m very excited to have […]

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401(k) Changes

By Adams Financial Concepts | January 17, 2018 | 0 Comments

Change. Do you find it scary? A lot of people do. In the financial industry, big businesses have been fighting change. They haven’t been successful. Change has come. The Department of Labor instituted a new rule for 401(k)s starting in November 2011. Personally, I think it’s necessary. The new rule […]

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401(k) – How’s Your Retirement Looking?

By Adams Financial Concepts | January 17, 2018 | 0 Comments

How much you put into your 401(k) and how your plan performs can determine how you enjoy your golden years. Will you live comfortably or will you need to sell peanuts at the baseball game? Recently 401(k)s have come under incredible scrutiny. The Department of Labor, who oversees 401(k)s, says […]

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