Lex Zaharoff

Personal Finance, Retirement, Investing
“With over 33 years of experience in the financial industry, Lex Zaharoff is an experienced fee-only advisor specializing in helping corporate executives make the right financial decisions.”

HTG Investment Advisors Inc.

Job Title:

Senior Wealth Advisor


Lex Zaharoff specializes in helping corporate executives make the right financial decisions as they go through job transitions - a busy time, often filled with uncertainty and emotions for both executives and their spouses.

Lex's specialization is based on 33 years of experience analyzing the complexity of corporate-derived wealth as well as his personal experience as a corporate executive who has gone through similar transitions. He is a guide and sounding-board for his clients, helping them stay the course through volatile times – a role which often feels as if he is their investment therapist.

Since job and career transitions raise financial issues that are complex and interdependent, clients benefit from the resources of his whole firm. Lex and his team are twelve professionals with complementary skill, working in a friendly, collaborative environment and drawing from their firm’s 22 years of experience helping more than 200 clients with issues such as these.

Lex is also fortunate to co-teach the MBA course, Wealth Management and Private Banking at NYU's Stern School of Business. For Lex, it is particularly gratifying to share thirty years of lessons learned to help his students better advise their clients.


BSE, Engineering, Princeton University
MBA, Harvard Business School

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December 2017
    Alternative Investments, Investing
January 2018
    Alternative Investments, Investing
August 2017
    Investing, Personal Finance
April 2017
    Asset Allocation, Financial Planning, Investing
May 2017
    Asset Allocation, Investing, Retirement Savings

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    Personal Finance
What can cause the rate of return to be negative?

A negative rate of return on an investment can be caused by:

1) Receiving less cash than you invested or, if it has not yet been sold, having an estimated current market value below the level when you invested.

2) Forgetting to include some of the cash flows in the return calculation.  For example, if the investment has distributed dividends or interest duing the period you are measuring the rate of return, you need to include those cash flows in the calculation.

3) Sometimes one confuses the two types of returns.  There is the arithmetic mean return (often called the simple average return) and the geometric or compound return over time.  For example, a two year investment which goes up 50% one year and down 50% the other (the order does not matter).  The simple average return is (+50 - 50) / 2 = 0%.  The compound return is -25% over the two years since you start with $100 and end with $75.

June 2017
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June 2017
    Financial Planning, Personal Finance
How can I stretch out a significant inheritance over my lifetime?
0% of people found this answer helpful
May 2017
    Financial Planning, Retirement Savings
What bucket of money do I tap into first when I retire?
27% of people found this answer helpful
April 2017
What's the difference between an index fund and an ETF?
81% of people found this answer helpful
April 2017