{"id":116,"date":"2024-06-04T14:20:06","date_gmt":"2024-06-04T13:20:06","guid":{"rendered":"https:\/\/planvesting.com\/?page_id=116"},"modified":"2025-02-10T22:03:36","modified_gmt":"2025-02-10T22:03:36","slug":"116-2","status":"publish","type":"page","link":"https:\/\/planvesting.com\/","title":{"rendered":"Home"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Page Header&#8221; _builder_version=&#8221;4.16&#8243; background_image=&#8221;http:\/\/planvesting.com\/wp-content\/uploads\/2024\/06\/business-01.jpg&#8221; parallax=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_header title=&#8221;This is How the Smart Money Invests&#8221; text_orientation=&#8221;center&#8221; header_fullscreen=&#8221;on&#8221; header_scroll_down=&#8221;on&#8221; scroll_down_icon=&#8221;%%0%%&#8221; scroll_down_icon_size=&#8221;48px&#8221; button_one_text=&#8221;Learn More&#8221; button_one_url=&#8221;https:\/\/planvesting.com\/?page_id=176&#8243; button_two_text=&#8221;Contact Us&#8221; button_two_url=&#8221;#&#8221; admin_label=&#8221;Hero Section&#8221; _builder_version=&#8221;4.25.1&#8243; title_font=&#8221;Montserrat|on|||&#8221; title_font_size=&#8221;60px&#8221; title_line_height=&#8221;1.4em&#8221; content_font_size=&#8221;22px&#8221; content_line_height=&#8221;1.8em&#8221; subhead_font=&#8221;||||&#8221; background_color=&#8221;rgba(255, 255, 255, 0)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(58,52,226,0.93) 0%|rgba(73,108,220,0.7) 100%&#8221; background_color_gradient_start=&#8221;rgba(58,52,226,0.93)&#8221; background_color_gradient_end=&#8221;rgba(73,108,220,0.7)&#8221; custom_button_one=&#8221;on&#8221; button_one_text_size=&#8221;16px&#8221; button_one_bg_color=&#8221;#6eba01&#8243; button_one_border_width=&#8221;2px&#8221; button_one_border_color=&#8221;#6eba01&#8243; button_one_border_radius=&#8221;0&#8243; button_one_letter_spacing=&#8221;2&#8243; button_one_font=&#8221;Montserrat|||on|&#8221; button_one_use_icon=&#8221;off&#8221; custom_button_two=&#8221;on&#8221; button_two_text_size=&#8221;16px&#8221; button_two_border_width=&#8221;2px&#8221; button_two_border_color=&#8221;#ffffff&#8221; button_two_border_radius=&#8221;0&#8243; button_two_letter_spacing=&#8221;2&#8243; button_two_font=&#8221;Montserrat|||on|&#8221; button_two_use_icon=&#8221;off&#8221; module_alignment=&#8221;left&#8221; animation_style=&#8221;fade&#8221; button_one_text_color_hover=&#8221;#6eba01&#8243; button_two_text_color_hover=&#8221;#6eba01&#8243; button_one_border_color_hover=&#8221;#ffffff&#8221; button_two_border_color_hover=&#8221;#ffffff&#8221; button_one_border_radius_hover=&#8221;0&#8243; button_two_border_radius_hover=&#8221;0&#8243; button_one_letter_spacing_hover=&#8221;2&#8243; button_two_letter_spacing_hover=&#8221;2&#8243; button_one_bg_color_hover=&#8221;#ffffff&#8221; button_two_bg_color_hover=&#8221;#ffffff&#8221; global_colors_info=&#8221;{}&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;on&#8221; button_one_text_color__hover=&#8221;#6eba01&#8243; button_two_text_color__hover_enabled=&#8221;on&#8221; button_two_text_color__hover=&#8221;#6eba01&#8243; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;on&#8221; button_one_border_color__hover=&#8221;#ffffff&#8221; button_two_border_color__hover_enabled=&#8221;on&#8221; button_two_border_color__hover=&#8221;#ffffff&#8221; button_one_border_radius__hover_enabled=&#8221;on&#8221; button_one_border_radius__hover=&#8221;0&#8243; button_two_border_radius__hover_enabled=&#8221;on&#8221; button_two_border_radius__hover=&#8221;0&#8243; button_one_letter_spacing__hover_enabled=&#8221;on&#8221; button_one_letter_spacing__hover=&#8221;2&#8243; button_two_letter_spacing__hover_enabled=&#8221;on&#8221; button_two_letter_spacing__hover=&#8221;2&#8243; button_one_bg_color__hover_enabled=&#8221;on&#8221; button_one_bg_color__hover=&#8221;#ffffff&#8221; button_two_bg_color__hover_enabled=&#8221;on&#8221; button_two_bg_color__hover=&#8221;#ffffff&#8221;]<\/p>\n<p>Low cost, fixed-fee, evidence-based investment strategies based on decades of Nobel laureate research and insights.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Services&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;90px||80px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; admin_label=&#8221;About&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; max_width=&#8221;900px&#8221; use_custom_width=&#8221;on&#8221; custom_width_px=&#8221;900px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;About Section Title&#8221; _builder_version=&#8221;4.25.1&#8243; text_font=&#8221;Montserrat||||&#8221; text_text_color=&#8221;#1f1f1f&#8221; text_font_size=&#8221;36px&#8221; text_line_height=&#8221;1.8em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Helping Clients Build Wealth since <strong>2005<\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;About Section Text&#8221; _builder_version=&#8221;4.25.1&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.9em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Planvesting, LLC is a small, <em>independent<\/em> investment management firm dedicated to providing low cost, fixed-fee investment management services to affluent investors who understand the power of passive investment strategies.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_padding=&#8221;80px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Simple&#8221; url=&#8221;#&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe029;||divi||400&#8243; icon_color=&#8221;#4e5ed0&#8243; image_icon_width=&#8221;60px&#8221; admin_label=&#8221;Service 01&#8243; _builder_version=&#8221;4.27.2&#8243; header_font=&#8221;Montserrat||||&#8221; header_text_color=&#8221;#1f1f1f&#8221; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.8em&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.9em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_intensity_fold=&#8221;30%&#8221; icon_font_size=&#8221;60px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&#8220;<span>Investing is not nearly as difficult as it looks. Successful investing involves doing a few things right and avoiding serious mistakes.<\/span><span>&#8221; <em>John C. Bogle, Founder &#8211; Vanguard Group<\/em><\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Smart&#8221; url=&#8221;#&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe007;||divi||400&#8243; icon_color=&#8221;#4e5ed0&#8243; image_icon_width=&#8221;60px&#8221; admin_label=&#8221;Service 02&#8243; _builder_version=&#8221;4.27.2&#8243; header_font=&#8221;Montserrat||||&#8221; header_text_color=&#8221;#1f1f1f&#8221; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.8em&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.9em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;100ms&#8221; animation_intensity_fold=&#8221;30%&#8221; icon_font_size=&#8221;60px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&#8220;<span>After adjusting &#8230; for survivorship bias, taxes, and loads, the dominance of index funds &lt;over actively-managed funds&gt; reaches insurmountable proportions<\/span><span>.\u201d<\/span><span>\u00a0<em>Charles Ellis, The Index Revolution.<\/em><\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;Effective&#8221; url=&#8221;#&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xe0ed;||divi||400&#8243; icon_color=&#8221;#4e5ed0&#8243; image_icon_width=&#8221;60px&#8221; admin_label=&#8221;Service 03&#8243; _builder_version=&#8221;4.27.2&#8243; header_font=&#8221;Montserrat||||&#8221; header_text_color=&#8221;#1f1f1f&#8221; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.8em&#8221; body_font_size=&#8221;16px&#8221; body_line_height=&#8221;1.9em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; animation_style=&#8221;fold&#8221; animation_direction=&#8221;bottom&#8221; animation_delay=&#8221;300ms&#8221; animation_intensity_fold=&#8221;30%&#8221; icon_font_size=&#8221;60px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&#8220;<span>Asset allocation eliminates the need to predict the near-term future direction of the financial markets and eliminates the risk of being in the wrong market at the wrong time<\/span><span>.<\/span>&#8221; <em>Richard A. 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It reflects our passion and commitment to <strong>always do right<\/strong>.<\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Features&#8221; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;default&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.17.6&#8243; _module_preset=&#8221;5138c454-be54-4233-bd3b-f8e6a8747976&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.17.3&#8243; _module_preset=&#8221;73121f80-a3ef-4484-8763-c3f18e3c56d2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Luck vs. Skill: The Failure of Active Management&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;c33f07d9-41e0-421a-8799-5799df695cce&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;Montserrat|Cormorant Garamond_weight|||||||&#8221; title_text_align=&#8221;center&#8221; 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header_6_line_height=&#8221;1.5em&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;800px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; text_font_size_tablet=&#8221;15px&#8221; text_font_size_phone=&#8221;14px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; header_font_size_tablet=&#8221;40px&#8221; header_font_size_phone=&#8221;24px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; header_2_font_size_tablet=&#8221;28px&#8221; header_2_font_size_phone=&#8221;20px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_size_tablet=&#8221;22px&#8221; header_3_font_size_phone=&#8221;17px&#8221; header_3_font_size_last_edited=&#8221;on|phone&#8221; header_4_font_size_tablet=&#8221;18px&#8221; header_4_font_size_phone=&#8221;15px&#8221; header_4_font_size_last_edited=&#8221;on|tablet&#8221; header_5_font_size_tablet=&#8221;15px&#8221; header_5_font_size_phone=&#8221;14px&#8221; header_5_font_size_last_edited=&#8221;on|desktop&#8221; header_6_font_size_tablet=&#8221;13px&#8221; header_6_font_size_phone=&#8221;13px&#8221; header_6_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&#8220;Wall Street&#8217;s favorite scam is pretending that luck is skill.&#8221;<\/p>\n<div _ngcontent-ng-c389001739=\"\" class=\"qSource\"><span>\u00a0<\/span>&#8211; <em>Ron Ross, Ph.D. &#8211; The Unbeatable Market<\/em><\/div>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;5138c454-be54-4233-bd3b-f8e6a8747976&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;50607da8-57bc-4d4b-aaef-f02e41c2cc4a&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_phone=&#8221;20px|20px|20px|20px|false|true&#8221; 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body_line_height=&#8221;1.75em&#8221; body_link_text_color=&#8221;#023047&#8243; background_mask_style=&#8221;caret&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_padding=&#8221;||||false|false&#8221; animation=&#8221;off&#8221; header_font_size_tablet=&#8221;15px&#8221; header_font_size_phone=&#8221;13px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;15px&#8221; body_font_size_phone=&#8221;14px&#8221; body_font_size_last_edited=&#8221;on|desktop&#8221; border_radii_image=&#8221;on|6px|6px|6px|6px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22#3c3a47%22:%91%22body_text_color%22,%22body_text_color%22%93,%22#0e0c19%22:%91%22header_text_color%22,%22header_text_color%22%93,%22#219ebc%22:%91%22icon_color%22%93}&#8221;]<\/p>\n<p>According to S&amp;P Global, 89% of equity mutual funds and 77% of fixed income mutual funds <em><strong>failed to beat their benchmarks<\/strong><\/em> for the 10 years ended 12\/31\/23.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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In other words, what the fine print says is true: past performance is no guarantee of future results.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;50607da8-57bc-4d4b-aaef-f02e41c2cc4a&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_tablet=&#8221;30px|30px|30px|30px|true|true&#8221; custom_padding_phone=&#8221;20px|20px|20px|20px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;on|6px|6px|6px|6px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_vertical=&#8221;24px&#8221; box_shadow_blur=&#8221;72px&#8221; box_shadow_spread=&#8221;-12px&#8221; box_shadow_color=&#8221;rgba(0,0,0,0.12)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Don&#8217;t Be Fooled&#8221; use_icon=&#8221;on&#8221; font_icon=&#8221;&#xf0a9;||fa||900&#8243; icon_color=&#8221;#219ebc&#8221; 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Comments? Concerns? 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