Market Timing = Crystal Ball. This is how most of us view any form of active portfolio management. Why…because that’s what we’ve been told by the so-called industry experts. Modern Portfolio Theory (MPT) and the “Efficient Frontier” Model have serious shortcomings. These flaws can be devastating to your financial health. Listen while I offer up some alternative thinking and how that perspective evolves into a different approach to managing a portfolio.  It’s a better way to sleep well at night, build financial poise, and grow lasting wealth.