Find an independent financial advisor who understands and follows the scientific finance literature.
During my 20+ year Silicon Valley business management career, I had saved my pennies and invested them according to the financial principles that I had learned at the Stanford Business School in the early 1980s. (See: Background of the Pasadena Financial Planner) With time on my hands in 2001 after the collapse of the stock market bubble, I began a systematic reading of the academic literature about personal financial planning and investing.
As I searched the web, university libraries, and on-line scholarly paper repositories, I was impressed by how much useful personal financial planning information was scattered around the academic world. It seemed to me that many individuals and families were starved for such objective financial and investment information. At the same time people were drowning in a sea of self-interested industry sales pitches that pushed overly expensive and unnecessarily risky investment products, which had expected returns that were more likely to be inferior.
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Larry Russell, Managing Director
MBA — Stanford University, MA — Brandeis University, and BS — M.I.T.
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Lawrence Russell and Company Pasadena, California 91103
A California Registered Investment Adviser — Certificate 133101
KNOWLEDGE — OBJECTIVITY — HONESTY — CONFIDENTIALITY — DILIGENCE — EFFICIENCY — SATISFACTION
Information from the financial media and financial services industry is superficial and biased.
The financial media and the securities industry generate a deluge of information, but leave individuals with very little systematic or durable understanding of which are the best financial planner practices, and which practices are likely to be inferior. Faced with all this finance and investment “noise,” individuals are hard pressed to understand what is true and what financial and investment claims have or have not been verified. Without valid guideposts to screen out all the noise and self-interested hype, individuals cannot reasonably be expected to plan a proper course for their lifetime financial affairs.
Scientific financial planning information is very useful to individuals for personal financial planning and investing.
As I returned to my academic and research roots, I began to read finance and investment journals, to visit finance professors’ websites, and to search the Internet for publications and working papers. After my first year of almost full-time reading, clarity began to emerge. By the middle of 2003, I was convinced that I understood more efficient and scientifically verifiable pathways for individuals to optimize their financial planning and investment strategies.
Since then, I have collected and organized over 25,000 electronic documents related to personal finance and investing. I have read thousands of research paper abstracts and over 1,000 seminal financial and investment papers in their excruciating economic and statistical details.
Nevertheless, academic research papers are not written for individuals, but rather for other academics and for highly trained financial industry research professionals. Furthermore, useful information is dispersed in a sea of less useful research information not focused on personal financial planning. Moreover, these research papers contain the obscure vocabulary of economic and statistical research — not breezy reading at all! To make some of this information more accessible, I have written hundreds of articles and published them for free on various financial websites.
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