Behavioral Finances


Individual investors consistently earn below average market returns. For the 20 years ending 12/31/2015, the S&P 500 Index averaged 9.85% a year. The average equity fund investor earned a market return of only 5.19% according to a study done by Dalbar, Inc.

Why is this?

“Investor behavior is illogical and based on emotion. This does not lead to wise long-term investing decisions.”

The study goes on to say, “one of the best things you can do to protect you from your own natural tendency to make emotional decisions is to seek professional help and hire a financial advisor”.

To deepen her knowledge of Behavioral Finance Janet became a Certified Financial Transitionist, CeFT®, receiving one of the highest cumulative scores on the comprehensive test in 2016.

Every decision has costs and benefits. Research on Behavioral Finance has discovered ways to help us make better decisions and ways to help us implement and stick to those decisions.

  • "Remember your dreams and fight for them. You must know what you want from life." - Paul Coelho

  • "Failing to plan is planning to fail." - Alan Lakein Lakein

  • "Never underestimate the power of dreams and the influence of the human spirit." - Wilma Rudolph

  • "Before beginning, plan carefully." - Marcus Cicero