Bet Against Human Nature


Did You Know?

September 20, 2014

      Bet Against Human Nature

   Behavioral pioneers have spent decades studying how investors often engage in self-defeating behaviors and why our brains may be hardwired to make the wrong moves.

When stocks are up in price, investors are buying.  When the market is down and they should be buying, they run from the market.  They follow the herd, even if it is headed over the cliff.

The result of this behavior:  Over the 30 years ended Dec 31, 2013, stock fund investors posted an annual return of


   As a Registered Investment Advisor, Just Plans Etc. has a fiduciary duty to each and every client of the firm.  The policy of Just Plans Etc. is to protect the interests of each of the firm's clients and to place the client's interests first and foremost in every situation.
   The firm's fiduciary duty includes providing full and fair disclosure of all relevant facts and any potential or actual conflicts of interest, a duty of loyalty and good faith, providing recommendations that are suitable, and seeking best execution of all client transactions.



    And It's Great For Your Marriage

   The soaring cost of college tuition has rekindled the debate over the value of an undergraduate education, but even advocates of university life might be overlooking one point in favor of the B.A.:  It's great for your marriage.  A recent survey of people born from 1957 to 1964 shows a bachelor's degree not only increases the likelihood of marriage, it also lowers the risk of divorce.


       Please do not hesitate to call us with questions or comments as we are here to serve you.  Welcome to our website!


3.69%, compared with more than 11% for the S&P 500, according to Dalbar, a Boston-based financial research firm.

-Forbes, June 30, 2014



The well-educated tend to marry later, so they're apt to be more mature and financially stable.  Sound finances can really goose a marriage's prospects:  the median income of a college graduate is 116% more than that of someone with only a high school diploma, and arguments over money remain a strong predictor of divorce.

-Bloomberg Businessweek, 10/31/2013

Why Use An Advisor?

   People use financial planners because they don't have the time, interest, or ability to create a plan by themselves, or they do have the time and ability and want a second opinion.

   Clients of Just Plans are mostly of the first group, and are generally overwhelmed by the multitude of options with which they are confronted.  The #1 item most are concerned with is having an adequate retirement income.  Number two is funding their children's college costs.  While college costs can be paid from current income or monies accumulated beforehand, retirement income can only be provided by setting money aside ahead of time and investing it wisely.

   Our business is built on relationships.  We work with you to identify and quantify your objectives.  The first step involves gathering personal and financial information.  Goals are established and constraints identified.  Relationships prosper when expectations are realistic. Investments are based on what is needed to reach your goals, taking into consideration your ability to tolerate market volatility.

   When you choose to have us manage your investments, the accounts are 100% discretionary. We allocate portfolio assets to CDs, Treasuries, separate accounts, exchange traded and traditional mutual funds and individual stocks. Depending on the size of the account, up to 60% may be allocated to core holdings, with the balance allocated to industry specific or asset class specific positions. Monthly statements are provided by the custodian. Just Plans provides quarterly performance reports and we are available for personal reviews.


    In 1982 Just Plans was formed to provide investment products for retirement plans, and to provide financial counseling to business owners and retirement plan participants. The predecessor insurance firm (started in 1967) designed and implemented retirement plans for closely held businesses. It provided estate-planning strategies for the business owners, their key people, and other individuals.

   Just Plans refers to its services as "ABEL Strategy." Conceived in 1991, the concept was initially a non-discretionary investment account using no load mutual funds held at Charles Schwab & Co. A 1% fee was charged. The program is now 100% discretionary, using CDs, Treasuries, exchange traded and traditional mutual funds and individual stocks, with accounts at Schwab or TD Ameritrade.

   We can be a resource for any situation that has to do with finances. For services in which we do not specialize, we refer our clients to many other partner professionals and firms with whom we network.

Just Plans Etc., 1399 Ygnacio Valley Rd., Ste. #24, Walnut Creek, CA 94598          Tel:  925.988.0330     Contact Us


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