The Zhang Financial Blog

The Web of Conflicts of Interest at Fidelity

In July of 2020, Fidelity, the largest record keeper of defined contribution plans in the nation, agreed to settle a lawsuit over its own 401k for $28.5 million.  The plaintiffs claimed, among other things, that ...
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What is an ADV?

We are going to talk a little bit about Form ADV today. What is an ADV? If you don’t know the answer, don’t feel bad. Most investors, even many financial professionals, are not familiar with ...
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What You Should Look for in a Financial Advisor

What should you look for in a financial advisor? I think for most investors, knowledge, cost and performance come to mind. But how can you tell if an advisor is truly knowledgeable?  Unlike attorneys and ...
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Third Party Custodians

Did you know that a Third-Party Custodian is your first line of defense for your investments?  A traditional custodian is a trust company, bank, broker-dealer or similar financial institution responsible for holding and safeguarding securities.  ...
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The TIAA Compensation Model: Do Your Due Diligence

In October of 2017, The New York Times published an article titled “The Finger-Pointing at the Finance Firm TIAA”, The article went quite deep into the problematic practices and compensation model of TIAA as well ...
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The Crazy Cost of the Olympic Games

Since the first modern Olympic games in 1896, the competition has been a prestigious honor for the hosting country, but also a significant economic and structural undertaking. Billions of dollars are put toward the construction ...
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