As a young man with a reputation for being a finance geek, friends and family would regularly ask, “Mel, can you look over my investments”. After scrutinizing dozens of annual reports and portfolios, Mel was flabbergasted at the pattern he saw. Many hard-working, intelligent & successful people had invested in unsuitable plans. They were convinced to buy a product they didn’t need or had badly designed policies that would not yield the returns they could have. They were relying on these investments to support them when they were older, and these investments were trapped in low-performing funds that would get swallowed up by tax. And if they could move their money, they’d wasted precious years when they could have been accumulating more wealth. These people had no idea that they’d... Read More »