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Tim Higgins, CFP®, ChFC®
Tim Higgins is a Certified Financial Planner™ practitioner, Chartered Financial Consultant®, and author of Pay for College Without Sacrificing Your Retirement. He has appeared on the Lou Dobbs radio show, MSNMoney, CNNMoney, and in the Wall Street Journal, Money magazine, SmartMoney magazine, and U.S. News. He was named a Five Star Wealth Manager in Boston magazine.
Tim began managing his own financial planning practice after graduating from Wesleyan University in 1999. He lives in a suburb of Boston and can be found at www.unconventional-investing.com.
Michael Hajek III, CPA
Michael Hajek is a board-certified CPA in practice since graduating from the University of South Florida. He has served as a staff accountant for several leading accounting firms in Pinellas County, Florida, until establishing his own practice with his wife, Karen Hajek, CPA, in 1996.
Based in Saint Petersburg, Hajek & Hajek CPAs PA has focused on assisting business owners with not only the common challenges of accounting, budgeting, and taxation but also providing support for long-term business planning such as expansion and exit planning. As a result of increasing requests from clients, in 2000 the firm developed a customizable part-time CFO service to advise and consult owners on the day-to-day operations and challenges of their business. For more information, including the concierge CFO service, please email MHajekCPA@gmail.com.
Reviewed by Danita Dyess for Readers' Favorite
In Unconventional Investing, Tim Higgins, certified professional planner, and Michael Hajek III, certified professional accountant, totally defy traditional investing methods by supplying irrefutable evidence that confirms one thing: they do not work. For example, the 60/40 rule -- the time-honored notion that your portfolio should be comprised of 60 percent stocks and 40 percent bonds is obsolete. There is no guarantee that this formula will yield a reliable return. Similarly, the venerated buy and hold method -- a doctrine widely used in the investment communities of the ’90s -- will experience volatility and modest gains. They also warn potential investors about guessing the capricious movements of the stock market; the ups and downs are unpredictable. Readers will appreciate the conversational tone and the delivery of sophisticated concepts in layman's terms, with charts, graphs and comments from the world's foremost industry experts.
The cover is simple and apt. Initially, I was not impressed with the contents listed in the Table of Contents. But when I read the material in depth, I realized the material was intended for me, the average person -- not the investment professional. After I finished each chapter, I wanted to know more. Thus, Tim Higgins and Michael Hajek are passionate about their mission to eradicate group thinking which reflects the "old school" thinking that leads to delays resulting in problems with home ownership, retirement options, etc. You can quickly and easily find the specific topics of interest, e.g. tax-efficient investing, trend analysis, etc. Unconventional Investing is highly recommended.
