Philip Huber, CFP, CFA, chief investment officer of Savant Wealth Management, a fee-only independent registered investment advisor firm with offices in 10 states and more than $14 billion under management. He is author of The Allocator’s Edge: A Modern Guide to Alternative Investments and the Future of Diversification. SavantWealth.com
Last year was a frightening wake-up call for many investors. It probably wasn’t a huge shock that equities lost ground—stock…