The purpose of this site is twofold:

(1) to increase my awareness as an investor and;

(2) develop a greater efficiency as an informed adviser for my clients.

My research is endless as it is inevitable – from mounting equity analysis, revised (over and over) price target reports, and countless investment newsletters – all is necessary in my genuine effort to be in the know and only in the know. For at the end of a very long day all the data gathered despite the strongest of convictions from brilliant Econs & PMs (and make no mistake, Wall Street’s elite are intelligently intimidating just as they are offensively wealthy) will not substantiate an answer to that familiar question: “Why is the market up/down?”  And there is absolutely NO CRYSTAL BALL.

Josh Brown (if you don’t know who he is – shame shame shame) could not have said it any better: “I blog or link to much of what I read in an effort to distill this acquired knowledge into some semblance of an understanding or an action plan. I attend events and listen to conference calls. I devour the presentations or analysts and strategists. I rarely miss much, and if I do I make it a point to hunt it down. And then I take all of this and I write about it.” – (Josh Brown, The Reformed Broker)

“Writing about it” is the next step of my action plan. So thank you Josh Brown (The Reformed Broker), Michael Kitces (Nerd’s Eye View), & Bill Winterberg (FPPad) <—- leading by example, your blogs are among THE BEST in the game.

When I first began my career as a Registered Rep/Investment Adviser, I knew very little compared to what I know now. Not in terms of prospecting, networking, and client-service – I genuinely enjoyed learning such and became rather good in those areas. At any rate, portfolio analysis and financial planning became so automated that one of my early mentors called it “Dummie-Proof.”

“Dummie-Proof” you say? Now blame me for earning a degree in Philosophy but among the aptitude of a scholar versus that of a salesman, I will always choose the former.

“Ultimately, financial planning is about helping people change their behavior for the better. But you can’t help people choose which opportunities to take advantage of along the way unless you have a sound base of technical knowledge to apply the best skills, tools, and techniques to achieve their goals in the first place.

Most of the harms inflicted on consumers by “financial advisors” occur not due to malice or greed but ignorance; as a result, better consumer protections require not only a fiduciary standard for advice, but a higher standard for competency.”(Michael Kitces, The Nerd’s Eye)

Here, competency can be mistaken for salesmanship and I strongly believe committing to this site, this purpose, not only creates for greater accountability and transparency but also vulnerability. With vulnerability, you experience true connection—and you begin to attract people to you who are inspired by your openness. I cannot imagine developing the best of relationships any other way going forward.

So that is why I will continue to write… once again, much kudos to the above mentioned the best in the game– thank you for providing the road map. Last but not least, thank you Marty Morua! The best .02 cents I ever invested 😉



  1. Consistency.

    The Numero Uno reason financial bloggers fail is because they give up too soon! Its as simple as that.

    This sometimes painfully difficult consistency must be as often as possible. Some advisors I know write weekly Blogs. Some a few times a month, some just once a quarter. Folks like Mike Kitces who write once a week are insanely more successful. The once a week Bloggers become household names versus the once a quarter Blogger.

    More pain? Well………. it might take 1 to 3 years to see tangible results. Like another well known professional “Financial Blogger” I know (Stephanie Sammons) describes:

    “…..What if I told you that once you hit the 3 year mark with your blog, those benefits would continue to endure just like dividends earned on a stock portfolio? When you launch a blog, you need to think equity before income. You’ll be a long-term growth stock in the first few years of launching your blog and then you’ll begin to mature into a dividend-paying stock over time.”

    Like my pal Eric Thomas says, “In order to succeed you have to want it as bad as you want to breathe”

    I’m cheering you on Don!

    Marty………… throwing in my .02 cents here………..

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