Your Portfolio Is Broken: Who’s to Blame and How to Fix It is intended to help frustrated investors identify problems with traditional approaches to investing and to offer a modern, simpler solution. If you’re an investor, chances are you feel frustrated…maybe a little afraid. Perhaps you feel the investment industry has let you down. How many “attractive” mutual funds, “promising” stock recommendations, and “good ideas” have you sampled from bankers, brokers, and TV big-talkers? After all of your effort and all the recommendations from all the people who are supposed to know…what did you really get, besides frustrated?The investment industry sells products and predictions. Investment professionals present themselves as faster and smarter investors whose acumen will generate market-beating results for investors. Your Portfolio Is Broken: Who’s to Blame and How to Fix It calmly debunks the claims of the investment industry. In fact, beating the market is rare, and an emphasis on good consumer and investor practices – controlling what you can control – is more effective in addressing the issues causing poor portfolio performance versus more products or more predictions. Now is the time for a change. After 13 years of debate, Canadian security regulators have begun a multi year rollout of reforms specifically aimed at correcting the knowledge imbalance between investors and the industry after repeated surveys showed that Canadians did not know how much their investments cost or how their advisor is compensated. The first of these reforms, effective July 15, 2013 requires “Enhanced Disclosure” to new investors. Further reforms are scheduled for 2014, 2015, and 2016.