Harold Evensky grew up in the construction business in Miami, acquired two college degrees in civil engineering and business, and began his financial career cold calling at Prudential. Today he is a prolific author, a professor, a speaker in demand, a recipient of too many awards to mention and a tireless proponent of the financial planning profession. At the same time, the president of Evensky & Katz in Coral Gables, Fla., spends 90% of his time managing his practice and tending to his clients' financial needs.

Their needs, coupled with his academic expertise as a part-time professor of graduate courses in investment theory and behavioral finance at Texas Tech in Lubbock, Texas, have caused him to reexamine some of the sacred cows of wealth management investmenting. As he explains, mimicking his favorite expression, "The future ain't what it used to be."

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