The AAII Pittsburgh Chapter presents...

"How We Sabotage Our Retirement Planning and Why Index Investing Offers the Best Solution"

    Discussed by:

    Jim Lange, CPA
    Attorney; President, Lange Financial Group LLC

    P.J. DiNuzzo, CPA
    President, Founder, Chief Investment Officer, DiNuzzo Index Advisors Inc.

Investing imposes four questions on every investor. Whether you answer them explicitly—or let chance provide default responses—depends on whether you recognize the questions and, perhaps more importantly, whether you understand what each is asking you to decide: 1. What asset allocation is appropriate for me? 2. How do I achieve diversification, and what does it really mean? 3. Do I want to follow an active or indexed investment strategy? 4. Should I rebalance my portfolio—if so, when and how? We’ll address each of these questions and more. You will leave with a fresh perspective and the ability to make more confident and more informed decisions. Until recently, economic and investment theory assumed that people always behave rationally. Most folks, however, just aren’t wired for making rational investment decisions. They are, unfortunately, most optimistic (wanting to buy) when there is the least opportunity for return and most pessimistic (wanting to sell) when there is the greatest opportunity for return. We’ll also discuss how to succeed amid the emotional realities of investing.

Attend This Meeting and Learn...
Four questions every investor must answer
The peer-reviewed math about who should and should not do a Roth IRA conversion
How emotions wreak havoc on our investments returns

Tuesday, September 18, 2012
6:30 – 7:00 p.m.    Registration/Social
7:00 – 9:00 p.m.    Program
Comfort Inn Pittsburgh East
699 Rodi Road
Pittsburgh, PA 15235
[ Map This Location ]
In Advance (by 9/13), Everyone, $10/person
At the Door space permitting, Everyone, $14/person
NEW! Register online at
No Refunds.

RSVP Online
  Special Interest Groups (SIGs)

SIG meetings do NOT require advance registration (some may request an RSVP). Most are free of charge. Contact the group leader if you need additional information to attend.

All SIG meetings are held at the Comfort Inn Pittsburgh East, except the “Getting Started” group, which meets at the Sewickley Library. See the chapter website at for upcoming dates and topics.

Brett Pechersky,
Start time: 7:00 p.m., Thursdays, September 20 and October 25, 2012

Rational Investing/VectorVest SIG
Herb Geissler,
Start time: 6:00 p.m., Thursday, November 8, 2012

Getting Started SIG (held at Sewickley Library)
Larry Coudriet,
Start time: 7:00 p.m., dates to be announced.

Stock Selection SIG
Jim Emberg,
Start time: 6:30 p.m., Tuesday, October 16, 2012

Technical Analysis/MetaStock SIG
Buck Gray,
Start time: 7:00 p.m., Wednesday, October 3, 2012

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