Cogent Blog
Our Articles
Here you’ll find our library of personal and business financial articles.
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How Often Have the Stock Market’s Annual Returns Actually Aligned with Its Long-Term Average?
“I have found that the importance of having an investment philosophy—one that is robust and that you can stick with— cannot be overstated.” —David Booth,...
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Your Behavioral Biases Are Often the Greatest Threat to Your Financial Well-Being
By now, you’ve probably heard the news: Your own behavioral biases are often the greatest threat to your financial well-being. As investors, we leap before we look....
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Why You Should Care About the DOL’s Fiduciary Rule Delay
In late August, the Department of Labor (DOL) announced its intention to delay the final phase-in for its new fiduciary rule from January 1, 2018 to July...
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How to Avoid Letting Money Ruin Your Relationships
Money destroys relationships because people can’t compete with money. Money, after all, doesn’t disappoint you, or express disappointment with you. It’s not that money is inherently...
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Why Do So Many Investors Keep Playing the Loser’s Game?
The other day, a wealth advisor colleague called to relate his conversation with a prospective client who had questioned the academic basis of our evidence-based...
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Wait and You Will Likely Miss Out
With all the warnings about excessively high valuations investors have been getting from gurus and the financial media, it’s not a surprise that a frequent...
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Take Some Action in Response to the Equifax Data Breach
You have no doubt heard about the massive data breach at Equifax, a credit monitoring service. According to the company, the data of 143 million...
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Your 529 College Savings Plan Quick Reference
Are you making best use of the 529 College Savings Plan, or have you been procrastinating when it comes to putting your best-laid plans in place?...
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Let’s Grade the Market Forecasters
The financial media tends to focus much of its attention on stock market forecasts by so-called gurus. They do so because they know that it...
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Quit Monkeying Around
In the world of investment management there is an oft-discussed idea that blindfolded monkeys throwing darts at pages of stock listings can select portfolios that...
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Save Social Security for Later, When You Need it Most
I think we’ve been looking at Social Security retirement benefits all wrong. In the long-running debate about when to take Social Security — as early...
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Misconceptions About the Market: Are You Prepared?
If you enjoy fine literature, we recommend all of Warren Buffett’s annual Berkshire Hathaway shareholder letters, dating back to 1965. While financial reports are rarely the...