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  <title>Gain an Edge in Investing with the 3 Factor Model</title>
  <description> 🏈 Don’t fumble your retirement - get your financial game plan at http://bookachatwithjohn.net&amp;amp;nbsp; Retirement planning isn’t about flashy plays- it’s about fundamentals.&amp;amp;nbsp; In this episode, John breaks down the “3 Factor Model,” an investment strategy backed by decades of academic research. He explains how focusing on market exposure, small-cap stocks, and value companies can give investors a subtle but powerful performance edge over time. Using football as a framework, John compares successful investing to building a winning team: it's about preparation, sticking to the game plan, and finding hidden advantages. You'll also hear why true diversification goes beyond owning a few mutual funds, and how index investing (“owning the whole haystack”) helps reduce risk while increasing consistency. Above all, John drives home that patience, discipline, and smart execution- quarter after quarter- are what win championships in both football and finance. Here’s some of what we discuss in this episode:  💡 What is the 3 Factor Model?  🏈 Why “just getting in the game” beats sitting on the sidelines in investing  📉 How small companies and value stocks can quietly outperform the big names  🔁 Why proper diversification isn’t just holding multiple mutual funds  ⏳ How many years it takes to detect a trend &amp;amp;nbsp; Get in touch: Phone: 661-775-3704 Book an appointment with us: http://bookachatwithjohn.net &amp;amp;nbsp; Get in touch with us: https://mearsmoney.com/ &amp;amp;nbsp; Watch the Podcast on YouTube: https://bit.ly/3PmcOPM Check out John’s FREE Books: https://je9gekmc.pages.infusionsoft.net/ </description>
  <author_name>The Red Zone Retirement Program</author_name>
  <author_url>http://mearsmoney.com/</author_url>
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