Different strategies find common ground
If advisors don't attempt to make forecasts, they're shooting in the dark
Relying on the 4% rule of thumb is not the best idea
But a commissions ban would affect the marginal advisor
The risks often are too great in borrowing to buy T-series funds
The alternative may be a ban on sales commissions
Advisors need to ask tough questions about mutual fund performance data
Address this issue, before the client does. Consider these suggestions from Dan Hallett to reduce client portfolio costs - without taking a big pay cut.