2.  Former Managing Director at the Fixed
Income division at Wachovia now Wells
Fargo, Brian Zwerner focuses primarily on
valuation and investing in structured
products. In 2007, Brian Zwerner
launched Kensington Blake Capital, a
principal investing and valuation firm
based in Atlanta, Georgia. He currently
serves as Managing Principal at
Kensington Blake Capital.

3.  Reducing risk is one of the most important
tools for maximizing returns, but it is nearly
impossible to predict how the market will
behave. Guideposts are a new tool
investors use to calculate risk based on past
market trends using an if-then approach.
For example, an investor can pull up charts
for a good financial year compared to a
bad financial year and make decisions
based on each one.

4.  An example given by The Wall Street
Journal shows that if, in 2014, the market
acts similarly to the 2008 or 2010 markets,
investors can reduce their commitment
to a specific type of investment. While
guideposts are not a foolproof way to
reduce investment risk, they serve as a
useful tool for gauging potential
outcomes based on historical data.