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    James M. Sanford

    James M. Sanford

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    Founder & Portfolio Manager, Sag Harbor Advisors
    James M. Sanford, CFA, the founder and portfolio manager of Sag Harbor Advisors, has worked on Wall Street since 1991 and was the top U.S. salesperson in U.S. Credit Product by revenue in 2007 and 2008.

    Latest articles by James M. Sanford

    A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins

    The Coming Storm in Wealth Transfer

    Markets Gen X and Millennials are more suspicious of Wall Street than their elders, and returns on their equity investments are likely to disappoint them. Are lower fees inevitable?

    Markets
    • An aerial view of a pink piggy bank.

      Why Annuities Are Bad Investments

      annuities Financial advisers recommend annuities because they make a lot of money in commissions and fees. You should be very, very wary.

      By James M. Sanford Published 20 June 16

      annuities
    • A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins

      Demand Your Financial Adviser Disclose Any Conflicts Now

      Financial Planning You don't have to wait for Uncle Sam to enact new rules requiring financial advisers to put your interest first. Use a fee-only adviser with no broker affiliations.

      By James M. Sanford Published 18 April 16

      Financial Planning
    • A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins

      I Fear the New Financial Adviser Rule Won't Protect You Enough

      investing But you can protect yourself by working with a fee-only adviser with no broker-dealer affiliation.

      By James M. Sanford Published 8 April 16

      investing
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