John E. Girouard
4800 Montgomery Lane, M-25
Bethesda, MD 20814

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240.482.4000

Looking for a contrarian point of view for your story on the mortgage crisis, the stock market, retirement and saving issues, the predatory practices of Wall Street? Want a fresh point of view (op-ed or for quote) on why banks are often the worst place to keep your money, or why most types of insurance are bad bets? Want a source willing to "call out" the bad advice of self-proclaimed gurus like Suze Orman? John Girouard has strong opinions based on common sense on these and many other aspects of money and investment advice. Your readers and viewers will find his ideas provocative and useful.

1. Wealth comes from ownership, not financial products.
2. The more money moves, the more wealth is created.
3. Everything in life has a cost and requires payments.
4. The biggest cost to wealth is uncaptured interest income, unnecessary interest expense, and poor tax management.
5. Average rates of return are meaningless and index investing is a poor investment strategy.
6. Participating (mutual) whole life insurance is a key to preserving wealth.
7. Risk is not about losing money, it’s about losing opportunity to make money.
8. Some debt is good, if you are financing something for no longer than its useful life.
9. Unreliable market information is a major obstacle to building wealth.
10. Invest to minimize future decisions, and focus on life-rather than financial-goals.