发帖
雷达卡
作者简介Bonnie Kirchner, a CERTIFIED FINANCIAL PLANNERa professional, holds a B.S. degree in Financial Counseling and Planning from Purdue University and a Master's degree in Taxation from Bentley University. For several years, she was a fixture on the Boston radio and television scene, providing financial information to millions of people. She was also married to Brad Bleidt--a charming, clever financial advisor who ran one of the country's largest Ponzi investment scams before Madoff--and gives her extraordinary personal insight into both scammers and their unwitting victims. For more information, go to $ea Change Financial Education, LLC at www.seachangefinancial.com.
目录Foreword ... xi Acknowledgments ... xiii About the Author ... xv Introduction ... xvii Chapter 1 Recent Investment Scams ... 1 Bradford C. Bleidt ... 1 Bernard Madoff ... 8 Chapter 2 What Is Financial Planning? ... 15 Chapter 3 The Meaning Behind Advisor Designations and Licenses ... 21 Chapter 4 Advisor Compensation ... 31 Chapter 5 Deciphering Fee Structures ... 35 Portfolio Development and Asset Management ... 35 Financial Planning ... 36 Stocks, Bonds, and Exchange Traded Funds ... 36 Mutual Funds ... 37 Variable Annuities ... 39 Indexed Annuities ... 41 Insurance ... 41 Chapter 6 Finding Additional Fees ... 43 Managed and/or Brokerage ... 43 Variable Annuities ... 44 Mutual Funds ... 45 Exchange Traded Funds and Index Funds ... 46 Chapter 7 Financial Products and Advisor Compensation ... 47 Investment-Related ... 48 Insurance Coverage ... 49 Financial Planning ... 50 Chapter 8 Statements, Communications, and the "Dreaded" Prospectus ... 51 Statements ... 51 Prospectuses--Mutual and Exchange Traded Funds ... 53 Shareholder Updates and Annual Reports ... 55 Prospectuses--Variable Annuities ... 56 Standard Charges (on Most Contracts) ... 56 Rider Electives ... 57 Proxy Materials ... 57 Chapter 9 The Roles of Various Financial Institutions ... 59 Investments in Insurance Products ... 61 Investment Management and Investment Product Sales ... 63 The Broker/Dealer ... 63 The Custodian ... 64 The Federal Deposit Insurance Company ... 65 The Securities Investment Protection Corporation (SIPC) ... 66 Chapter 10 Understanding What You Need ... 67 Chapter 11 Choosing Advisors to Consider ... 77 Chapter 12 Choosing Candidates to Interview ... 81 Chapter 13 Interviewing Candidates ... 85 Preparing for the Meeting ... 85 During the Meeting ... 92 After the Meeting ... 97 Chapter 14 Spotting Red Flags: Advisors to Avoid ... 101 The Name and Information Gathering Phase ... 101 During the Meeting ... 104 After the Meeting ... 106 Advisors to Avoid ... 107 Chapter 15 The Rules of Engagement ... 111 Chapter 16 Maintenance of the Advisor--Client Relationship ... 127 Chapter 17 Activity ... 131 Chapter 18 Accessibility ... 135 Chapter 19 The Dysfunctional Relationship ... 137 Chapter 20 Criminal Versus Non-Criminal Behavior ... 143 Chapter 21 Filing a Complaint ... 149 Appendix A Consumer Resources ... 155 Credit Ratings Agencies ... 163 Appendix B Glossary ... 167 Index ... 187
京公网安备 11010802022788号
