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	<title>Investor Watchdog - Finance Education &#187; Rick Kahler</title>
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	<link>http://www.investorwatchdog.com</link>
	<description>Timely financial educational resource information is your best defense against investment schemes &#38; scams</description>
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		<title>What You Get From a Fee-Only Financial Planner</title>
		<link>http://www.investorwatchdog.com/what-you-get-from-a-fee-only-financial-planner</link>
		<comments>http://www.investorwatchdog.com/what-you-get-from-a-fee-only-financial-planner#comments</comments>
		<pubDate>Wed, 11 Nov 2009 17:37:51 +0000</pubDate>
		<dc:creator>Rick Kahler</dc:creator>
				<category><![CDATA[Conflicts of Interest]]></category>
		<category><![CDATA[Financial Planners]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[Compensation]]></category>
		<category><![CDATA[fee-based planner]]></category>
		<category><![CDATA[fee-only financial planner]]></category>
		<category><![CDATA[investment advisor]]></category>
		<category><![CDATA[SEC]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=2880</guid>
		<description><![CDATA[What exactly do you get when you engage a fee-only financial planner?
This question seems so obvious that it is rarely asked, yet its answer is important.
Fee-only planners, much like attorneys and physicians, are compensated for their knowledge and their services. They do not receive commissions by selling products such as insurance or investments. 
For many [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Financial Planning Fees You See and Those You Don&#8217;t</title>
		<link>http://www.investorwatchdog.com/financial-planning-fees-you-see-and-those-you-dont</link>
		<comments>http://www.investorwatchdog.com/financial-planning-fees-you-see-and-those-you-dont#comments</comments>
		<pubDate>Mon, 26 Oct 2009 15:40:34 +0000</pubDate>
		<dc:creator>Rick Kahler</dc:creator>
				<category><![CDATA[Conflicts of Interest]]></category>
		<category><![CDATA[Sales Representatives]]></category>
		<category><![CDATA[back-end load commission]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[fee-only financial advisor]]></category>
		<category><![CDATA[financial planning fees]]></category>
		<category><![CDATA[financial salespeople]]></category>
		<category><![CDATA[full disclosure]]></category>
		<category><![CDATA[mutual funds]]></category>
		<category><![CDATA[stock brokers]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=2789</guid>
		<description><![CDATA[Not long ago I was meeting with a couple who were relatively new clients. We were going over data on a recent mutual fund investment, and I commented that I was surprised to see the fund offered a commission of 2.25%. As a fee-only financial planner, I rarely pay much attention to whether a fund [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Who Benefits Most From an Annuity?</title>
		<link>http://www.investorwatchdog.com/who-benefits-most-from-an-annuity</link>
		<comments>http://www.investorwatchdog.com/who-benefits-most-from-an-annuity#comments</comments>
		<pubDate>Mon, 10 Aug 2009 16:03:48 +0000</pubDate>
		<dc:creator>Rick Kahler</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[annuity salespeople]]></category>
		<category><![CDATA[retirement account]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=1342</guid>
		<description><![CDATA[&#160;A new client recently asked me, &#8220;Rick, you&#8217;re one of four financial planners we interviewed. Why are you the only one who didn&#8217;t tell us we needed an annuity?&#8221; &#160;
Actually, this couple had really interviewed only one financial planner and three annuity salespeople.
&#160;
Annuities are a hot financial product in the market place these days. I [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Looking (or Not) for the Next Financial Guru</title>
		<link>http://www.investorwatchdog.com/looking-or-not-for-the-next-financial-guru</link>
		<comments>http://www.investorwatchdog.com/looking-or-not-for-the-next-financial-guru#comments</comments>
		<pubDate>Tue, 04 Aug 2009 16:27:11 +0000</pubDate>
		<dc:creator>Rick Kahler</dc:creator>
				<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[buy and hold]]></category>
		<category><![CDATA[financial advice]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=1301</guid>
		<description><![CDATA[&#160;At least one new financial guru is about to rise from the ashes of the current global economic bloodbath. This will be a financial advisor who accurately called the market top and went to cash, and then called the market bottom and bought back in.
Is there such an advisor? Absolutely. The law of mathematical probability [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Spam or Not, Baloney Is Still Baloney</title>
		<link>http://www.investorwatchdog.com/spam-or-not-baloney-is-still-baloney</link>
		<comments>http://www.investorwatchdog.com/spam-or-not-baloney-is-still-baloney#comments</comments>
		<pubDate>Mon, 27 Jul 2009 16:03:28 +0000</pubDate>
		<dc:creator>Rick Kahler</dc:creator>
				<category><![CDATA[Investor Information]]></category>
		<category><![CDATA[investor protection]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[stock market]]></category>

		<guid isPermaLink="false">http://www.investorwatchdog.com/?p=1277</guid>
		<description><![CDATA[An acquaintance asked me while ago, &#8220;Do you know anything about investing in alternative energy sources? I got an e-mail about buying stock in this startup company that seems like a great opportunity.&#8221;
I gave him my standard answer, that I never recommend buying stocks directly. &#8220;Besides,&#8221; I added, &#8220;Any e-mail offer like that is nothing [...]]]></description>
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