The end of the English Premier League soccer season is upon us and what a season it has been. The reason this season will go down in history as an extraordinary one is because of a little known club called Leicester City, otherwise fondly known as “The Foxes”. They have achieved arguably the biggest upset in sporting history. That is no mean feat. The Foxes finished in 14th place last year, narrowly avoiding relegation, after being promoted from the Championship (the league one tier below the Premier League). To add a little more context to this: The Premier League has only been won by four teams in the last 20 years. The previous champions, Chelsea, have a squad that cost 10 times as much

The age old agency problem seems to play an unexpected roll in investment advice. A financial advisor aims to give clients the best investment advice possible in order for the client to have the highest probability of achieving their goal. The client assumes by definition that the advisor is acting in his best interest at all times. A fair assumption to make. So let’s go through some of the decisions that the advisor needs to make in order to determine the correct investment. First and foremost there is the financial needs analysis and risk tolerance assessment that needs to be done for every client. This will lead to a blue print for the advisor from which he can make informed investment