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St. Louis, Missouri (PRWEB) 30 November 2011 Bryan Binkholder, financial coach and longtime advocate for investors, has released a new book, 401K Conspiracy: How business and employees were robbed on Wall Street for the government looks the other hand, made specifically for the education of small business, plan sponsors and employees of the hidden problems associated with the most popular 401K plans.

Bryan said: “There is a wave of disinformation aimed at investors in a helpless position, which basically forced to feel the need for the direction of financial advisers who are pushing products such as mutual funds. This is all disinformation cleverly composed of the ads that emphasize past performance as a form of security for future revenue, misleading headlines of financial advisers themselves to such financial product pushers seem credible than they actually are. “

Bryan says Wall Street Journal recently featured an article called: “If the adviser can not believe it,” in which Karen Blumenthal writes: “The first question to ask is whether the person who gives you advice on your portfolio and retirement account registered investment advisor broker or dealer? “

“Yes, this is a good starting point,” Bryan said: “But the Rabbit Hole is a lot deeper than that, there are many sellers of financial titles are hiding behind them, but just blindly trust the person who holds the title registered. investment adviser, is far of adequate protection. In his book, Conspiracy 401k, I outline the importance of a fee only registered investment advisor. another broker comes with a sleek new title called a paid consultant who can really wear a hat and act as an advocate, but then go cap sales load mutual funds , annuities, or bonds in order to get a commission. I believe that anyone who earns commission can not remain true to the best interests of investors. “

another common problem that deals Binkholder in his book, the fiduciary duty regarding the Company 401k plans. “Many entrepreneurs do not realize that the place in a dangerous position with a 401K-type plans, which offer their employees. If you are in charge of your business plan, you will have what the law calls” fiduciary responsibility “for the participants in this plan. Fiduciary duty is a legal or ethical relationship that can hold you personally responsible for the excessive fees, safe investments or other unintentional violation of their fiduciary duties. “

“That is why Jim Winkelmann, and I wrote this book. We know that the best way to protect against errors should be adequately informed and aware of all the available options for retirement. Good decisions are the hostages of good information. can raise more awareness the responsibilities and dangers sponsoring 401k plan, it is likely that employers and plan sponsors will ask questions and make a reasonable decision. “

401K Conspiracy is available on the website and financial coach provides information and resources designed to help employers and plan sponsors on the right track for next year.

Binkholder Bryan

also known as financial coaches, Bryan hosts nationally syndicated radio program, a financial coach, show that focuses primarily on current issues of investment, reveals fraud and bring clarity to often deliberately clouded industry.

Author

7 deadly traps and 6 pitfalls investment retirement planning, the determination to be the voice of Bryan earned a reputation as a prominent change of the guard industry. His investment advice and opinions on the industry are listed in Forbes, Wall Street Journal, Investment News, Financial Advisor magazine.

Jim Winkelmann, RF, and Ocean Blue portfolio

Jim Winkelmann started Blue Ocean portfolios in 2009, after enjoying many successful years in the field, but my desire to escape from the self-serving agenda of traditional brokerage firms. His vision? To create a company that will maintain the highest ethical standards and have a common goal with the investor that their interests first brokerage firm.

As a registered trust, Jim was part of an elite group of financial services professionals who are opposed to the conflict of interest, which polluted the financial advisor / client relationship. Learn more at Blue Ocean Web portfolio or call 636-530-9393.

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