Twelve points Blog
Francesca Federico Becomes a CDFA™ Designee
Co-founder and Principal Francesca Federico recently completed the requirements needed to become a Certified Divorce Financial Analyst® (CDFA™). This designation, issued by the Institute for Divorce Financial Analysts, indicates that an advisor
The 75th Anniversary of the RIA
It’s the 75th Anniversary of the Registered Investment Advisor (RIA), which is worth celebrating. Why? In recognition of the laws that serve as the backbone of the financial industry, which limit risk and protect the average investor. As an RIA and fiduciary,
Financial Media: Is it Time to Turn it Off?
Most people would argue that living in a digital world with instant access to an endless stream of information has made us smarter and more self-empowered than past generations. Investors believe that it has “leveled the playing field”, enabling them
Equity Allocations in 401(k)s
While stock allocations are often high in 401(k) plans due to the typically long-term time horizon of 401(k) investors, we have recently observed higher-than-usual stock allocations in general, and very high U.S. stock allocations in particular. The high
Defense Wins Championships: Alternatives “For The Win”
An important part of our investment due diligence process involves attending industry conferences and investment manager showcases. Earlier this summer, I was pleased to hear that an upcoming showcase, which was co-sponsored by a few local investment
The Cold Call That Changed My Life
Let me set the scene here. It was at the beginning of my career, and I was a 22-year-old female Financial Advisor at Morgan Stanley, where the average advisor at my office was 45, white, male and had an established clientele.
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