When the incentives of the individual aren’t aligned with the collective, the benefits of one individual must come at the expense of another| separatingvaluefrombias.substack.com
What Bob Veres' recent fee study reveals about financial advisor fees, and why the reality of fee compression is more nuanced than commonly believed.| Nerd's Eye View | Kitces.com
The lack of alignment of interests in the financial advisory and insurance industry prevents clients from getting good advice about using insurance products as financial planning tools| separatingvaluefrombias.substack.com
Whole life insurance provides some of the best tax and financial planning benefits to the wealthy--it just comes at the expense of poorer individuals| separatingvaluefrombias.substack.com