Dr. Fernando Flores asserts in his ontological work that we all have fundamental concerns that we act to take care of, such as our bodies, families, money, and spirituality. If we do not purposefully care for these concerns, we will face breakdowns that leave us unsatisfied.

Without money, people will face breakdowns in other domains of concern, such as…

… not being able to afford transportation (car payments, insurance, gasoline, maintenance) to visit grandchildren or other family members

… not being able to pay for the best medical care when needed (health insurance, co-pays, prescriptions or uninsured care)

Prices for goods and services we buy to take care of our concerns are set in the marketplace.

…regardless of whether we have enough money to pay for them or not. Will the store owner allow us to leave with the groceries we need even though we don’t have enough money to buy them?

Financial and investment principles and laws dictate how much savings and investments (capital-at-work) are required to produce the income we need in retirement.

8% returns … only if you employ proper philosophies, strategies and practices (see claims 9, 10, & 11).

3% inflation … which means prices double about every 20 years … which means you need twice the income you have today to have the same lifestyle 20 years from now.

4% withdrawals … which means if you withdraw more than 4% each year, you exponentially increase the likelihood of running out of money during old age.

Longevity requires people to plan their financial future as if they will live until they are 95 years old.

Actuarial claims state that a married couple age 65 has a 33% chance that at least one of them will live to age 95.

The consequences of running out of money before our passing is a threat to our survival. That makes how we invest our capital-at-work as important as our survival.

How people’s capital-at-work is invested every single moment is consequential to the fulfillment of their ultimate intention.

Wherever or however our money is invested, it is fully invested every single moment of our life …even if it is in the bank earning 1% or hidden under the mattress.

The fundamental question is: Can we produce a better return using appropriate investment strategies and tactics rather than continuing to produce a return that will fail to fulfill our ultimate intention?

Fulfilling ultimate intentions to have enough money to survive and be financially free throughout our working careers AND 30 years of retirement requires superior investment philosophies, strategies, practices and disciplines.

Computers and today’s GLOBAL marketplace make…

…  ‘investment research’ common, ordinary and already factored into the price of the security or market.

… markets efficient and random - meaning they are impossible to consistently beat, predict or time.

… a globally diversified portfolio to capture the entrepreneurial power and capacity of thousands of companies in the global marketplace a strategic obligation to succeed.

Only passive investment philosophies that reduce the high costs of active management consistently produce the ‘average returns’ needed to give you the best opportunity to achieve your ultimate intentions.

Transaction costs, bid/ask spread costs, moving the market costs, tax inefficiencies and active manager fees often reduce returns by 2% per year – which produces a difference of $2mil per $1mil invested every 25 years.

The Three Factor Model identifies the only market mechanisms that reward investors with risk premiums above fixed income.

Standard and Poor’s research shows adding Managed Futures significantly reduces portfolio volatility with little to no reduction in expected return.

Using a strategically allocated portfolio often reduces risk while increasing expected return by as much as 2% per year – which produces a difference of $2mil per $1mil invested every 25 years.

People need an advisor or teacher to continually learn superior investment knowledge, philosophies, principles, strategies and practices..

Because of our biology, we naturally adopt the practices and thinking of our surrounding environment and culture. Therefore, people without an advisor or teacher thwart their intentions and guarantee failure with common behaviors and actions such as stock picking, marketing timing, track record investing, chasing market sectors and using active money management.

Dalbar Research annually releases the Quantitative Analysis of Investor Behavior which asserts that:

Over the last 20 years (1990-2009), the average investor, including those using brokers or advisors, have only earned 3.2% per year…

…which means the average investor underperform an investor using appropriate strategies, philosophies and practices by more than 4% per year …

… which means a difference of $2.3 million per $1million every 20 years...

…which is the difference between running out of money or not.