• The Consumer Guide to Financial Planning provided by the Certified Financial Planner Board of Standards, Inc. outlines the Financial Planning Process.

• I am a member of the Garrett Planning Network. To get a sense of the nature of this organization committed to hourly-based financial planning services, check out this article about the founder: “Sheryl Garrett is InvestmentNews' 2019 Icon”. “Ms. Garrett's dedication to serving clients who may not have the financial wherewithal [or want- EM] to pay an adviser 1% or more of their assets every year for financial advice earned her a shout out from President Barack Obama during a speech in 2015 in favor of the Department of Labor's fiduciary rule for retirement advice.

  "There are a lot of hardworking men and women in this field, and [they] got into this field to help people," Mr. Obama said. "They're folks like financial adviser Sheryl Garrett.""

• How a 1% Fee Could Cost Millennials $590,000 in Retirement Savings.

• Article about William Sharpe's views on investment fees: "Reducing Investment Expenses Can Increase Living Standards 20% In Retirement."

• "Almost no one can beat the market." "Fewer than 1% of mutual fund managers persistently beat the market based on superior market-timing or stock-picking skills."

• William Sharpe: “Properly measured, the average actively managed dollar must underperform the average passively managed dollar, net of costs. Empirical analyses that appear to refute this principle are guilty of improper measurement.”

• How Does Passive Beat Active? Let Me Count the Ways.

• Bogle vs. college endowment funds

• How Do Public Pension Plan Returns Compare to Simple Index Investing?

• Eugene Fama on tilting to small and value stocks vs. a market portfolio. John Bogle uses his common sense to arrive at his view on the Fama/DFA approach (at the bottom of this page). John Bogle's bottom line on this approach is to look at the cost of implementing it vs. the potential gain in performance: "Minimal cost is an important part of any investment strategy, and all-market index funds can be acquired with no sales loads and minimal annual operating expenses (as low as less than 0.10 percent). Most DFA funds cost considerably more with expense ratios in the 0.50 percent range, plus a fee of perhaps 1 percent to the advisor who sells the funds. Will their funds performance be able to overcome this cost handicap in the years ahead? Well, time will tell." William Sharpe on this topic. Allan Roth: When Will Smart Beta Be Smart? Rick Ferri: “If you really understand factors and are committed to a strategy for at least 25 years, then do factors. For everyone else, buy a few low cost market-tracking index funds and fahgetaboutit.”

• From The National Association of Insurance Commissioners: "A Shopper's Guide to Long-Term Care Insurance."

• Bernstein: Don’t Bother With International Bonds

I also post informative articles on my Twitter feed.