Honest financial education from someone who's been on both sides of the advisory table.
I spent 12 years working in financial services — first at a mid-size RIA, then at one of the big wirehouses. I saw firsthand how performance was reported to clients, and I wasn't always comfortable with what I saw.
The reports clients received were accurate in the narrowest sense. But they were designed to tell a story — the advisor's story. Benchmarks were cherry-picked. Time periods were selectively chosen. Fees were technically disclosed but practically invisible.
I left the industry in 2022 and started Lorem Ipsum Website because I believed regular investors deserved the same quality of performance analysis that institutional investors take for granted.
I write about portfolio performance, fee transparency, and how to evaluate whether your investment approach is actually working — whether you use a financial advisor, a robo-advisor, or manage your own accounts.
I review tools and services that I believe genuinely help investors. When I recommend something, it's because I've used it myself and believe it adds real value. I do earn affiliate commissions on some recommendations, and I always disclose that.
I don't sell financial advice. I don't manage money. I educate and point people toward tools that give them clarity about their own financial situation.
The financial services industry has a fundamental conflict of interest: the people who manage your money are the same people who report on how well they're managing it. The person managing your portfolio should not be the person grading the portfolio. I believe independent verification should be the norm, not the exception.
Lorem Ipsum Website earns revenue through affiliate partnerships with financial tools and services I recommend. This means I may receive a commission if you sign up for a service through one of my links, at no additional cost to you. I only recommend products I personally use and believe in. My editorial content is never influenced by affiliate relationships.