We have all heard stories about investors who made a fortune picking individual stock. The reality of our most investors that is not a very effective way to plan your financial future. There’s way too much financial hype involving so called “story stocks” allow the average investor to succeed. A number of financial studies have shown a potential investment results are most often the result of adopting an investment plan that reflects your goals and risk tolerance. And most importantly, maintaining the discipline to stick to that investment plan.