We are the sole owners of the information collected on this web site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request.
You may opt out of any future contacts from us at any time.
You can do the following at any time by contacting us via the email address or phone number given on our website:
We take precautions to protect your information. When you submit sensitive information via the web site, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data) that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the top of your web browser, or looking for "https" at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
In order to use certain part of this web site, a user must first complete the registration form when applicable. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.
We may request information from you on an order form. To buy from us, you must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we'll use this information to contact you.
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our web site and identify repeat visitors to our web site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our web site. Usage of a cookie is in no way linked to any personally identifiable information on our site.
This web site may contain links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other web sites. We encourage our users to be aware when they leave our web site and to read the privacy statements of any other web site that collects personally identifiable information.
Please review our Privacy Statement, which also governs your visit to www.dalbar.com, to understand our practices.
When you visit www.dalbar.com or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
All content provided on this site is owned by or licensed to DALBAR and/or its affiliates and protected by United States and international copyright laws. DALBAR and its licensors retain all proprietary rights to the DALBAR content. The DALBAR content may not be reproduced, transmitted or distributed without the prior written consent of DALBAR.
DALBAR and the DALBAR logo are trademarks of DALBAR and its affiliated companies.
DALBAR grants you a limited license to access and make personal use of this site, subject to the Terms. This site and any portion hereof may not be reproduced, duplicated, copied, downloaded, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of DALBAR. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout and form) of DALBAR and/or its affiliates without the express written consent of DALBAR. You may not use any meta tags or any other "hidden text" utilizing DALBAR's name or marks without the express written consent of DALBAR. Any unauthorized use terminates the license granted by DALBAR.
Certain statements included in this website are forward-looking. These forward-looking statements are based on certain assumptions and reflect our current expectations. As a result, forward-looking statements are subject to a number of risks and uncertainties that could cause actual results or events to differ materially from current expectations. There is no assurance that any forward-looking statements will materialize. You are cautioned not to place undue reliance on forward-looking statements, which reflect expectations only as of the date of this website. Except as may be required by applicable law, we disclaim any intention or obligation to update or revise any forward-looking statements.
THIS SITE IS PROVIDED BY DALBAR ON AN "AS IS" AND "AS AVAILABLE" BASIS. DALBAR MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.
DALBAR is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. We are actively working to increase the accessibility and usability of this website and in doing so, adhere to internationally accepted standards and guidelines.
This website endeavors to meet the Web Content Accessibility Guidelines Version 2.0 (WCAG 2.0) . The guidelines, drawn up by the World Wide Web Consortium (W3C), explain how to make web content more accessible to people with disabilities. We seek to ensure that this website is accessible to people who use assistive technology like screen readers and speech-input software and those unable to use a mouse or a pointing device.
Accessibility features on this site include:
This site has been built using code compliant with W3C standards for HTML and CSS. The site displays correctly in current browsers and using standards-compliant HTML/CSS code means any future browsers will also display it correctly.
Browsers and operating systems that we support
Browser updates are available free of charge from each browser provider. Operating systems can be purchased from software vendors. We will update our list of supported browsers and operating systems from time to time as the software used by our customers changes. We also endeavor to support the most popular combinations of these browsers and operating systems, for example Internet Explorer 10 with Windows 8.
Reasons to upgrade your browser
Browser updates are available from Microsoft, Firefox, Safari, Google.
We use accessibility testing tools and perform periodic accessibility audits of our site. Whilst DALBAR strives to adhere to accepted guidelines and standards for accessibility and usability, rapid changes in technology mean is it is not always possible to do so in all areas of the website. We are, however, continually seeking solutions to address accessibility issues.
DALBAR takes customer satisfaction with our products very seriously. All reasonable requests for refunds will be promptly considered by our customer service team. You may receive a refund on a product that was delivered to you by online download by adhering to the following guidelines.
All returns for downloaded products must be pre-authorized by DALBAR as described below. Your right to obtain a refund for downloaded products lasts only for a limited time. Your request for a Return Merchandise Authorization Number (described below) must be made to DALBAR within 10 days of the date DALBAR made the product(s) available to you for download (the "Purchase Date"), and DALBAR must receive, at its offices, your fully completed and signed Affidavit of Product Destruction within 15 days of the Purchase Date. No refund will be made until the Affidavit has been received by DALBAR, or if the time requirements described above are not met. DALBAR is not responsible for lost or misdirected mail, delays in downloading, or other communication system delays.
To receive a refund for downloaded product purchases from DALBAR, you must obtain from DALBAR an Affidavit of Product Destruction (described below), and complete and return the Affidavit to DALBAR. No credit will be issued for incomplete returns. You must also destroy all copies of the product(s) you may have made or stored in any place. Once you have returned the Affidavit of Product Destruction to DALBAR, all licenses you may have to use the product(s) will be immediately terminated, and any further use of the product(s) will be an infringement of copyrights as well as other intellectual property rights.
All Affidavits of Product Destruction must have a Return Merchandise Authorization Number (RMA #) issued by DALBAR clearly displayed on the form. To receive a RMA #, e-mail us at refund@Dalbar.com, or write to: DALBAR Inc., 303 Congress Street, Boston, Massachusetts, USA. You must provide sufficient information for DALBAR to be able to identify your transaction, such as the DALBAR order number and/or invoice number and/or date of transaction given to you when the download was ordered. If DALBAR is able to identify your order, and the request is made within the time-frame discussed above, you will be given a RMA # as well as a copy of the Affidavit of Product Destruction ready for completion and return to DALBAR.
When making your request for an RMA, please provide DALBAR with your e-mail address if you can receive and print a document in Adobe Acrobat® (or ".pdf") format. If you are not able to receive the form by e-mail in a .pdf format, you must also provide us with a fax number or mailing address to receive the form. Remember, no matter how you choose to receive and/or return the form, you are still responsible for meeting the limited time rule discussed above. You must fill out any missing information on the Affidavit of product Destruction, sign and date the Affidavit, and return it to DALBAR as instructed on the form.
When DALBAR receives your properly completed and signed Affidavit of Product Destruction within the time-frame discussed above, DALBAR will provide a refund to you of the amount you paid for the product plus refund any appropriate taxes charged with that order. Refunds will be made in the same manner as you purchased the product. If you purchased by check, DALBAR will send you a check, so please be sure we have your mailing address. If you purchased by credit card, your credit card account will be credited. If you purchased by company purchase order, your account will be credited.
Louis S. Harvey
President & CEO
Founder and leader of DALBAR, Lou Harvey is relentless in the search for the forces that are shaping the world of financial services today, tomorrow and for years hence. Using DALBAR' s research capabilities, Lou Harvey seeks insights from inside and outside the industry to understand and anticipate changes in customers’ needs and the ways products are distributed.
Under his leadership, DALBAR is now recognized and respected in the financial services community for its credibility, independence and its contributions in raising the level of excellence in the industry. Fiercely committed to delivering value to customers, Lou Harvey has proved through DALBAR that the business principle of putting the customer first does work.
In the spring of 2010 Lou Harvey was named President of the Fiduciary Standards Board, an organization dedicated to maintaining fiduciary standards and communicating the inherent value of fiduciary relationships to the public at large.
Lou Harvey has held governance positions at a number of institutions including the National Association of Securities Dealers, Federal Reserve Bank, Bentley College and Plymouth Plantation.
Lou Harvey was born in Puerto Barrios, Guatemala in 1942. He earned a bachelor’s degree in Physics from the University of the West Indies.
Chief Marketing Officer
Cory Clark is Chief Marketing Officer at DALBAR, Inc. Over the years, Cory has worked with retirement plan specialists, investment managers, advisors, broker/dealers and insurance companies to optimize their communications, compliance and business practices. Cory is also a licensed attorney in Massachusetts, where he resides with his wife and 3 children.
DALBAR, Inc. is the nation's leading financial services market research firm and performs a variety of ratings and evaluations of practices and communications that are committed to raising the standards of excellence in the financial services and healthcare industries. With offices in both the US and Canada, DALBAR develops standards and measurement systems that improve the quality of products, service and compliance for the retirement, mutual fund, broker/dealer, discount brokerage, life insurance, healthcare and banking industries.
DALBAR Measurements include:
To help our customers achieve their business goals while protecting the interests of the communities and clients they ultimately serve
Support and guide the transformations required by the post recession climate and regulatory reforms.
The Ultimate Independent Evaluator
Ultimate: Unconstrained by methodology or subject matter and capable of developing measurements for the changing world.
Independent: Meet and exceed standards of independence promulgated by industry practices, regulatory requirements, legal precedents and audit guidelines
Evaluator: Evaluations determine how close practitioners come to meeting their own goals as well as requirements of industry regulations, best practices, market leadership, cost effectiveness and fiduciary obligations.
Feasibility research into creating the first tax-exempt mutual funds
Development finishes and a large scale processing system for mutual funds is launched
Introduction of a system for the automated clearing of mutual fund transactions
Launch of first mutual fund trade publication: FACS© Journal of Mutual Fund
Services (ISSN 1098-4747)
First DALBAR award recognizing excellence in customer service to Colonial Group of
Mutual Funds (absorbed by Liberty Mutual 1994 )
DALBAR press publishes How to Save Smart: A Quick Simple Guide to Using Mutual Funds
by Louis S. Harvey (ISBN-100962229008)
DALBAR expands awards into other financial services, insurance, retirement plans, and annuities
DALBAR releases the inaugural edition of the groundbreaking QAIB (Quantitative Analysis of
Investor Behavior) study. The study shows that the average investor earns less – in many cases,
much less – than mutual fund performance reports would suggest
Social Security Administration receives the Vice President’s excellence award (“Hammer Award”)
for performance in the DALBAR survey.
DALBAR introduces awards for excellence in communication to simplify and clarify financial
DALBAR sells publishing division to Thompson Financial.
DALBAR and Microsoft create AdvisorFinder (patent: US 7752054 B1), an online service to locate
top quality financial advisors. Recognized as one of top 25 Deals of the year by FutureBanker.
DALBAR introduces Web site ratings and awards to make financial Web sites more usable for the
DALBAR launches Due Diligence division to audit and certify advisors, service providers and
products to ERISA standards.
DALBAR introduces the Registered Fiduciary (RF™) program to define a superior standard of
care for individual and institutional clients.
DALBAR creates the “Certification of Reasonableness” for retirement plans, establishing a definition
of reasonableness that has been recognized by regulators since.
DALBAR introduces mystery shopping for financial institutions to assess in-person sales practices
and implementation of stated policies.
Lou Harvey named as one of 35 most influential leaders in the business of independent financial
advice by Investment Advisor Magazine.
DALBAR launches a series of programs in response to new Fiduciary Rule from the Department
DALBAR launches Investor Panic Relief Tool (i-PRT) to limit investor losses due to panic selling.
Customer Experience Audit (CXA) introduced to monitor customer experience across primary
channels of communication: Paper, Phone and Electronic.
DALBAR develops environmental, social and governance (ESG) standards and certification for the
success of retirement plans. Certification recognizes 401(k) and similar plans for achieving a superior
level under ERISA and ESG standards.
In response to transformation to work-at-home caused by coronavirus, DALBAR developed a service
enhancing tool (CXA i-Coach) that permits telephone and online workers to self-assess and self-train
remotely and enables non-intrusive oversight.
Even if you do not see a relevant opening at this time, please send us your resume. Due to the dynamic nature of our business, DALBAR is always interested in hearing from high energy, highly qualified candidates. We are particularly interested in candidates with backgrounds in professional services, including consulting, market research, market strategy, and sales training.
For all of our positions, commitment to excellence and excellent written and oral communications skills are required, as is a college degree. Financial Services Industry knowledge a plus.
To apply for a job, please send us an Email with your resume attached (as a WORD document) or embedded in the body of the e-mail. Resumes are also accepted via fax to (617) 624-7200.