Richard Robinson, Ph.D., is a former college professor who spent more than a quarter century teaching students at several prestigious universities the finer points of finance, economics, and risk management. He helped develop CFA and CFP curricula still employed by several university programs. Richard holds a doctorate in the field of economics and is an expert in the area of free markets and the Austrian view of economics. In addition to his vast experience in the halls of academia, Dr. Robinson possesses a comprehensive background in the art of technical and fundamental investing. His vast expertise of investing techniques has helped guide investors through the maze of investment products from annuities to credit default swaps. He guides readers through the intricacies of value investing, dividend investing, options trading, and first stage investing.  The freedom derived from his previous endeavors has fostered a strong desire to build a legacy in helping others reach their financial goals through careful application of proven wealth building principles.

Analyst Articles

They’re coming for your money… And whether you like it or not, they’re going to get it. Worse, there’s nothing you can do about it. The federal government is going after criminals that use large bills for illicit activities like selling drugs and funding global terrorism. To do this, they’re going to eliminate cash. And much sooner than anyone expects. —Recommended Link— Add $380,000 To Your Family’s Legacy… 401k looking lackluster? Is your pension or social security just not hacking it? Odds are that skyrocketing healthcare costs and living expenses aren’t leaving much left over each month… and won’t… Read More

They’re coming for your money… And whether you like it or not, they’re going to get it. Worse, there’s nothing you can do about it. The federal government is going after criminals that use large bills for illicit activities like selling drugs and funding global terrorism. To do this, they’re going to eliminate cash. And much sooner than anyone expects. —Recommended Link— Add $380,000 To Your Family’s Legacy… 401k looking lackluster? Is your pension or social security just not hacking it? Odds are that skyrocketing healthcare costs and living expenses aren’t leaving much left over each month… and won’t leave you anything to pass on to your children.  Every investor needs a set of stocks so reliable that they can buy them today and hold them for the rest of their life… one that’s returned 45% gains to shareholders the past two years and turned every 100k into a HALF-MILLION dollars in the last decade. Click here to access your 7 “Set & Forget” Legacy Assets NOW. But the big losers in this trend are private citizens. By forcing individuals to go cashless, the government gets unprecedented access to our personal affairs. Electronic purchases create a hard record of… Read More

Few topics raise the ire of money managers more than the benefits of active versus passive investing. And while this war continues unabated, passive investing is gaining the upper hand. —Recommended Link— One Of These Blue Chips Is Raising Its Dividend 5x Faster Than The Rest Big blue chips like these almost NEVER raise their dividend more than 5% or 6%. But one of these four shot it up 383%… turning a $1 dividend into $4.83. What’s really crazy is how much higher it has to go. You need to see this. You see, roughly 20% of assets in… Read More

Few topics raise the ire of money managers more than the benefits of active versus passive investing. And while this war continues unabated, passive investing is gaining the upper hand. —Recommended Link— One Of These Blue Chips Is Raising Its Dividend 5x Faster Than The Rest Big blue chips like these almost NEVER raise their dividend more than 5% or 6%. But one of these four shot it up 383%… turning a $1 dividend into $4.83. What’s really crazy is how much higher it has to go. You need to see this. You see, roughly 20% of assets in the U.S. were in passive investments at the start of the financial crisis in 2007. That number grew to more than one-third by 2018. But in the next two years, passive investments will constitute more than half of all retail equity flows. Clearly, the trend is towards passive investing — which begs the question, what is passive investing? Passive Investing Passive investing is a strategy in which a mutual fund or exchange-traded fund (ETF) buys securities that mimic a benchmark. That benchmark might be the market as a whole, such as the S&P 500 Index. But it could just… Read More

When in grad school, my professor gave an assignment for each of the students in the class to do a research paper on an American company. My choice was a relatively new public company called Microsoft (NASDAQ: MSFT). —Recommended Link— The SAFEST Way To Make Triple-Digit Gains In Blue-Chip Stocks… Forget options and penny stocks. The market’s BIGGEST profits come from its safest investments — you just have to know where to look. Find out how to cash in HERE. After conducting weeks of research on the company and another two arduous weeks writing the paper, the report was… Read More

When in grad school, my professor gave an assignment for each of the students in the class to do a research paper on an American company. My choice was a relatively new public company called Microsoft (NASDAQ: MSFT). —Recommended Link— The SAFEST Way To Make Triple-Digit Gains In Blue-Chip Stocks… Forget options and penny stocks. The market’s BIGGEST profits come from its safest investments — you just have to know where to look. Find out how to cash in HERE. After conducting weeks of research on the company and another two arduous weeks writing the paper, the report was submitted with little fanfare. Now, in those pre-Google days, I didn’t know if any grad student had ever won a Pulitzer Prize for research papers. But if it were possible, surely my paper stood a fighting chance. Alas, it wasn’t to be. In fact, my professor wasn’t as impressed with my conclusions about the prospects for the newly public company. He gave me a C- on the paper and asked me if I had considered a career in truck driving. #-ad_banner-#It was an inglorious moment. But from the ashes of this ignominious defeat, a decision was made to prove the… Read More

Rumors have circulated for decades that Albert Einstein once said that compound interest is the “eighth wonder of the world.” While there is no real evidence the famed theoretical physicist ever made the quote, the idea that compound interest is the most powerful force in investing rings true. —Recommended Link— Generate $40,653 Per Year (Starting Tomorrow) Here’s a brief tip on making sure you never run out of spending money. It’s called “Social Security Insurance.” Once you’ve got it, Social Security could go belly-up and it wouldn’t affect your payout one bit. My clients are generating an average of… Read More

Rumors have circulated for decades that Albert Einstein once said that compound interest is the “eighth wonder of the world.” While there is no real evidence the famed theoretical physicist ever made the quote, the idea that compound interest is the most powerful force in investing rings true. —Recommended Link— Generate $40,653 Per Year (Starting Tomorrow) Here’s a brief tip on making sure you never run out of spending money. It’s called “Social Security Insurance.” Once you’ve got it, Social Security could go belly-up and it wouldn’t affect your payout one bit. My clients are generating an average of $40,653 per year this way… deposited directly into their account every month. Check it out here. For novice investors, compound interest is ‘interest on interest.’ It’s based on the idea that interest earned on a sum of money is reinvested back into the principal to earn additional interest in the future. Thus, if an investor were to leave their interest to earn additional interest over a long period, a sum of money will grow exponentially — especially in the latter years. The following chart illustrates the wonder of compound interest compared to simple interest. Here, an investor earning… Read More

There are many ways for investors to profit in the stock market. But for investors with long time horizons, one of the best ways to grow their portfolio is to buy growth stocks. Growth stocks are stocks of companies whose earnings will likely grow at above-average rates relative to the broader market. —Recommended Link— $40K A Year For Life… (Takes 20 Minutes) Want an extra $40,653 a year in bonus income? You need to see this… and fast. It shows the five simple steps to take to start collecting this money. Your checks should start coming in within a… Read More

There are many ways for investors to profit in the stock market. But for investors with long time horizons, one of the best ways to grow their portfolio is to buy growth stocks. Growth stocks are stocks of companies whose earnings will likely grow at above-average rates relative to the broader market. —Recommended Link— $40K A Year For Life… (Takes 20 Minutes) Want an extra $40,653 a year in bonus income? You need to see this… and fast. It shows the five simple steps to take to start collecting this money. Your checks should start coming in within a month… and continue to roll in forever. You can even pass your payments on to your heirs… and they can collect the money after you’re gone. It’s all here. And you can get set up in 20 minutes. Of course, growth stocks expose investors to greater volatility, or beta. This means that investing in these companies can be a lot like riding a roller coaster in the short-term. But for investors taking the long-term approach, history has proven that growth stocks tend to outperform the market — meaning investors have greater potential of reaching their retirement goals sooner. In this… Read More

Value investors face a myriad of obstacles in the hunt for value stocks. These obstacles range from which valuation metric to use in finding stocks trading below their fair value to finding a catalyst that will propel an oversold stock higher. #-ad_banner-#But perhaps the biggest obstacle for value investors is… Read More

If there’s any company struggling more with recent bad publicity than Tesla (Nasdaq: TSLA), that company would have to be AT&T (NYSE: T). The company just can’t seem to get out of its own way. Take the ongoing merger with Time Warner (Nasdaq: TWX). AT&T management believes the deal will reinforce the Direct TV purchase, which cost AT&T $67 billion. But the $85 billion price tag for TWX, including an additional $50 billion of debt, seems a bridge too far. On top of that, the company is facing stiff resistance from the Department of Justice’s Antitrust Division. #-ad_banner-#Now, it’s no… Read More

If there’s any company struggling more with recent bad publicity than Tesla (Nasdaq: TSLA), that company would have to be AT&T (NYSE: T). The company just can’t seem to get out of its own way. Take the ongoing merger with Time Warner (Nasdaq: TWX). AT&T management believes the deal will reinforce the Direct TV purchase, which cost AT&T $67 billion. But the $85 billion price tag for TWX, including an additional $50 billion of debt, seems a bridge too far. On top of that, the company is facing stiff resistance from the Department of Justice’s Antitrust Division. #-ad_banner-#Now, it’s no surprise that the deal would face regulatory resistance. What is a surprise is why a large-cap company with the vast resources of AT&T would hire a law firm with no actual experience in handling antitrust law. Instead, they hired Daniel Petrocelli, a defense attorney best known for winning a wrongful death suit against O.J. Simpson. And while it’s possible Petrocelli could win, it’s definitely an uphill battle for an inexperienced team to go against a DOJ team with antitrust experience spanning several decades. Then there’s the revelation that AT&T paid $600,000 to Trump lawyer Michael Cohen. Ostensibly, the payment was… Read More

Many Americans are optimistic about achieving a comfortable retirement. They fund their 401(k) or IRA in hopes of accumulating a nest egg that has the potential of providing enough income for the rest of their lives. Unfortunately, too many Americans invest too conservatively to accomplish their goals. This is especially true for investors under the age of 40 — who face the prospects of a future much different than their parents and grandparents due primarily to Social Security’s bleak future. #-ad_banner-#This was confirmed in a study conducted by Wells Fargo that found 59% of Americans focus more on avoiding losses… Read More

Many Americans are optimistic about achieving a comfortable retirement. They fund their 401(k) or IRA in hopes of accumulating a nest egg that has the potential of providing enough income for the rest of their lives. Unfortunately, too many Americans invest too conservatively to accomplish their goals. This is especially true for investors under the age of 40 — who face the prospects of a future much different than their parents and grandparents due primarily to Social Security’s bleak future. #-ad_banner-#This was confirmed in a study conducted by Wells Fargo that found 59% of Americans focus more on avoiding losses than trying to maximize gains. And it’s not just young workers who invest too conservatively, either. The study showed that investors in every demographic group prefer minimizing losses to growing their balances. Now, this strategy is fine for older workers nearing retirement age, but it’s contraindicated for those with longer time horizons. Now, for the average investor, pursuing returns in a passive low-cost index fund is an acceptable way to invest for the long term. But that doesn’t mean that 100% of an investor’s funds should be invested this way. Investors should put a portion of their savings into more… Read More

There’s a long list of headwinds facing the stock market. They include everything from rising interest rates and oil prices to Donald Trump’s Twitter account. But the most important question facing investors right now is whether these headwinds are hazardous to investor portfolios. #-ad_banner-#So, let’s look at some of the most important headwinds facing the stock market. Specifically, which of them pose the greatest threat to the market and which are mostly no cause for alarm. Interest Rates The 10-year Treasury hit the 3% mark last Tuesday. It’s the first time since 2014 the 10-year has hit this level. Read More

There’s a long list of headwinds facing the stock market. They include everything from rising interest rates and oil prices to Donald Trump’s Twitter account. But the most important question facing investors right now is whether these headwinds are hazardous to investor portfolios. #-ad_banner-#So, let’s look at some of the most important headwinds facing the stock market. Specifically, which of them pose the greatest threat to the market and which are mostly no cause for alarm. Interest Rates The 10-year Treasury hit the 3% mark last Tuesday. It’s the first time since 2014 the 10-year has hit this level. Of course, higher rates means increased borrowing costs are on tap for American consumers and corporations alike. Now, most analysts believe the 10-year yield above 3% puts the bull market run in jeopardy. And while there is data to indicate rising rates do materially impact stock market returns, it is more complicated than that. You see, investors price a company’s stock as the value of all its future cash flows discounted to today. If interest rates go up, those future cash flows are worth materially less today. As such, the market value of stock must fall to compensate for the… Read More

There are many investment strategies available for investors to find actionable stocks. And as you might expect, some are better than others. But there are two strategies that vie for the title of best strategy. And while the winner is undisputed, the debate still sparks strong opinion between investors and academics. On the one hand, we have growth investing. Growth investing is a strategy whereby an investor seeks out companies with greater potential for capital appreciation. These companies rarely pay dividends. Instead, every dollar of profit goes back into the company in an attempt to generate even more profits. #-ad_banner-#Paradoxically,… Read More

There are many investment strategies available for investors to find actionable stocks. And as you might expect, some are better than others. But there are two strategies that vie for the title of best strategy. And while the winner is undisputed, the debate still sparks strong opinion between investors and academics. On the one hand, we have growth investing. Growth investing is a strategy whereby an investor seeks out companies with greater potential for capital appreciation. These companies rarely pay dividends. Instead, every dollar of profit goes back into the company in an attempt to generate even more profits. #-ad_banner-#Paradoxically, growth stocks outperform most other strategies when the underlying economy is struggling. This is because during times of economic stagnation, interest rates are usually quite low — and growth companies need access to cheap capital. This explains why growth stocks have outperformed other strategies since the Great Recession. On the other hand, value investors seek to find actionable stocks that are trading at a discount to their intrinsic value. These companies usually have mature business models looking to maintain strong pricing power and modest growth. And they typically pay dividends to reward shareholders. Interestingly, value stocks outperform other strategies when… Read More