Know What's Happening in Wealth Management
Know What's Happening in Wealth Management
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Every morning
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Buffett’s Playbook: Value Investing Rules for Stock Picks
Warren Buffett focuses on companies with consistently high return on equity, low debt‑to‑equity ratios, and expanding profit margins. He seeks firms that own durable competitive advantages and only buys when the market price is below intrinsic value.
In this episode, Roger Whitney critiques the overreliance on retirement‑planning software—especially Monte Carlo engines like Bolden, Money Guide Elite, and eMoney—explaining that they only measure the probability of a portfolio not hitting zero, not the quality of life in retirement. He distinguishes retirement as a complex, adaptive problem that requires ongoing, nuanced judgment rather than a single “success rate” figure, and warns that both advisors and DIY investors can be misled by flashy success metrics. Whitney draws on his 30‑year practice as a financial advisor to illustrate how advisors’ business pressures and consumers’ lack of expertise can lead to fragile plans, and he emphasizes using the tools for feasibility checks and scenario analysis while still applying human insight and adaptive planning.
Prepaid tuition plans let families lock in today’s college costs, effectively hedging against tuition inflation, while 529 college‑savings plans function as defined‑contribution accounts with a wide range of investment options. Both vehicles provide tax‑free withdrawals for qualified education expenses, but...
In this episode, Jim Saulnier and Chris Stein continue the Ed Slott IRA quiz, testing their knowledge on IRA rules and nuances. They explain recharacterizing IRA contributions, clarifying that the deadline is October 15 of the year after the contribution,...
Australia’s A$4.5 trillion (≈$3 trillion USD) superannuation pool often contains holdings in fossil fuels, weapons and gambling, despite many funds marketing "sustainable" options. Each super fund sets its own screening criteria, ranging from outright bans to revenue‑percentage thresholds, leading to wide variation...
Next time your financial consultant recommends a fund, try asking this: what is the structural reason this should keep performing? If the answer is "it's done well," that's a description of the past. And past performance, as every disclaimer in the...
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The article compares S&P 500 index funds with total‑market index funds for long‑term investors. Total‑market funds provide broader diversification across 3,000‑4,000 U.S. stocks, including mid‑ and small‑caps, while S&P 500 funds concentrate on the 500 largest companies. Historical data show the S&P 500...
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Annuities promise a steady retirement income by converting a lump‑sum or periodic contributions into guaranteed payouts, but the value hinges on the insurer’s financial strength. They can be tailored with riders such as death‑benefit or guaranteed minimum income, yet each...
Fidelity’s FPRO and FMED ETFs aim to profit from the “Silver Tsunami,” the surge in demand for senior‑focused real estate and innovative healthcare solutions as Baby Boomers retire. FPRO’s active strategy positions it in senior housing, skilled‑nursing and medical office...
You don't need an inheritance. You don't need a finance degree. You don't need a financial advisor. If you want to get rich, just follow 14 simple rules:
A precious metals IRA lets investors hold physical gold, silver or other approved metals inside a tax‑advantaged retirement account. Setup is quick—typically 1–2 business days—and fees range from $50 to $200, though some firms waive them. Rollovers from existing IRAs...
Gold individual retirement accounts let investors hold physical precious metals with tax advantages, but selecting a reputable provider requires thorough due diligence. Prospective investors should scrutinize fee structures—including setup, transaction, storage, and wire fees—to avoid hidden costs that can erode...
The author has been using a dollar‑cost averaging approach for Roth conversions, accelerating conversions whenever the broader market dips. He now realizes the mistake: the target‑date fund’s share price hasn’t fallen in lockstep with the market because of its 40%...
In 2026, demand for international equities has surged despite heightened geopolitical volatility, prompting investors to seek ex‑U.S. exposure. The American Century Quality Diversified International ETF (QINT) offers a quality‑focused, rules‑based approach, charging a modest 34‑basis‑point fee. Over the past year...
With the 2025/26 UK tax year winding down, taxpayers have only weeks left to use a range of tax‑free allowances before they reset on 5 April 2026. MoneyWeek has published a comprehensive end‑of‑tax‑year checklist that consolidates key deadlines and highlights allowances that...
St. Kitts and Nevis, a twin‑island federation in the Eastern Caribbean, continues to promote its long‑standing Citizenship by Investment programme, first launched in 1984. The government offers three vetted pathways—Sustainable Island State Development Endowment, Public Benefit, and approved real‑estate projects—each subject...
The IRS reports the average 2025 tax refund at $3,623, roughly $350 more than a year ago. The increase stems from the One Big Beautiful Bill Act’s new deductions and a higher standard deduction. Financial planners are warning taxpayers to...
Hostplus, one of Australia's biggest pension funds with A$150 billion ($105 billion) under management, is evaluating the addition of Bitcoin and other cryptocurrencies to its Choiceplus self‑managed investment option. The proposal, still under review, could make digital assets the first mainstream crypto...
J.P. Morgan Asset Management’s chief retirement strategist Michael Conrath highlighted that more than half of Americans lack a clear retirement savings target, and most 401(k) participants contribute well below optimal rates, often starting around 3% and rarely reaching double‑digit contributions....
Most young people skip the emergency fund and jump straight into investing. Then one unexpected expense; a hospital bill, a job loss, a car breakdown; wipes out everything they built. An emergency fund is the foundation that protects every other investment you...
You don’t need to predict what’s next. Be ready for whatever the market may throw your way. Join us LIVE on March 26 to explore how the Alpha Architect High Inflation & Deflation ETF ( $HIDE ) may help build more...
A federal court in Kwong v. United States ruled that the IRS may have applied pandemic‑era filing and payment deadlines too early, potentially extending them to mid‑2023 under Section 7508A. This interpretation could mean the agency overcharged penalties and interest for...
To succeed at investing, you need to have a well-throughout, ideally back-tested, game-plan that you execute, rather than make decisions spontaneously. To build a well-tested game-plan, start by looking at all the big events that have happened before, because, if it...
Charitable donations from IRAs, known as qualified charitable distributions (QCDs), let retirees over 70½ transfer up to $111,000 per year directly to charities while excluding the amount from taxable income. A new bipartisan Senate bill would expand QCD eligibility to...
Wealth managers are drawing a parallel between today’s economy and the 1970s, citing soaring oil prices, sticky inflation and heightened geopolitical risk. They argue that the era’s stagflation and oil shocks offer a useful lens for current asset‑allocation decisions. Advisors...
A newly founded registered investment advisory announced its launch to serve medical professionals in the Berkshires and beyond. The firm aims to provide fiduciary‑level wealth planning for high‑income physicians, a segment that has drawn increasing attention from wealth managers seeking...
The article warns busy business owners that postponing estate planning can create costly probate, tax, and ownership disputes for their families. It uses the example of Rick and Linda, a $1 million disaster‑remediation franchise, who lack wills, trusts, buy‑sell agreements, and...
Vanguard reports a 56% surge in custodial brokerage accounts between 2020 and 2025, reflecting growing teen interest in investing. The article outlines three steps parents can take—opening a custodial account, gifting investments, and teaching core principles—to instill disciplined, long‑term habits...
A CFP at a major firm, referred to as ACME, offered advisory services to a friend without disclosing his revenue‑sharing arrangements, raising conflict‑of‑interest concerns. The client discovered that about 21% of advisers receive similar incentives, which the SEC requires to...
In this episode Ryan Morrissey explains how Transfer on Death (TOD) and Payable on Death (POD) beneficiary designations let you bypass probate for bank, brokerage, and other investment accounts. He outlines which assets already have built‑in beneficiary options, the pros...
If you're Singaporean and you hold more than US$60,000 in US stocks, ETFs, or US-listed funds, your family could face a 40% estate tax bill when you die. On $500K in US holdings, that's roughly US$176,000. Most people in Singapore holding...
Coca‑Cola and Walmart, both members of the Dividend Kings, are outperforming the broader market in 2026 despite a modest S&P 500 dip driven by oil‑price worries. Coca‑Cola’s stock is up about 12% year‑to‑date, with a 2.74% yield after its 64th consecutive...
In this Women and Wealth episode, Val Cipriani and Holly McKechnie break down the UK student loan system—explaining Plans 1, 2 and 5, their interest rates, repayment thresholds and loan terms. They highlight why Plan 2, which carries RPI + 3% interest and a £30k threshold,...
Gaurav Burman says the Burman family’s 30‑year dividend reinvestment from Dabur has created a non‑core asset portfolio valued around ₹11,000 crore (≈ $1.2 billion). The family set up a formal family office to channel dividend income into joint ventures and stakes with partners...
U.S. tax law forces open‑ended mutual funds to pass through realized capital gains to shareholders, creating a tax drag that pushes investors toward exchange‑traded funds. ETFs avoid immediate taxation through in‑kind creations, making them more tax‑efficient. This shift undermines active...
Many Canadians are entering retirement without sufficient savings, burdened by rising living costs, high debt, and limited financial literacy. The article highlights common obstacles such as procrastination, over‑reliance on home equity, and uncertainty about income streams like CPP and OAS....
If you financially f*****cked up & now in your 30s or 40s you want to turn it around, crush your debt, learn to invest, and get your money right — I hope you find my page. Because it’s NOT too late...
A new Kiplinger feature highlights a growing trend among high‑net‑worth families to hire a single financial adviser as a “quarterback” who coordinates lawyers, accountants and investment managers. The approach aims to avoid preventable losses such as lawsuits, divorce settlements and...
Manulife’s RRSP suite gives Canadian advisors a range of tax‑advantaged options, from high‑interest savings accounts to short‑ and long‑term GICs. Individual accounts and employer‑sponsored group plans both allow investments in stocks, bonds, ETFs, mutual funds and guaranteed products, with no...
Choosing when to start Social Security benefits has lasting financial consequences, especially for those who keep working. In 2026 the earnings exemption is $24,480 for workers under full retirement age (FRA) and $65,160 after reaching FRA, with a $1‑for‑$2 and...
If you invest $10,000 today, how much of that actually gets invested after all charges? If the answer isn't close to $10,000, you should understand why. One client found out she'd been paying a 2% upfront sales charge every time she...
Winning as an active investor is rare, and even with the few who win consistently, separating luck from skill is tough to do, and there are broad differences in market views and investing approaches.
Ray Dalio told the World Governments Summit in Dubai that the global monetary system is entering a "capital war" and that gold is now the safest form of money. He linked the erosion of fiat currencies and sovereign debt to...
🔬 Research links: AI accountability, fund manager incentives, and the downside of traditional style indices. https://t.co/dbBOGPUYxJ image: https://t.co/bKyq3XAKIQ https://t.co/FNwileIXVO
Predicting forward returns is notoriously difficult but setting expectations can be helpful Which asset class will have worse returns over the next 5 years: Housing or private equity? https://t.co/AbfW2cXe9G https://t.co/ig9j4zorjK
Media wants you to panic sell your gold and silver at a discount despite usa becoming insolvent. https://t.co/Rmj5CoSBCi
[Deleted a somewhat mean-spirited reply regarding, let's call it, asset allocation for a newly rich inheritor that was getting way too much traction for comfort.]
Social Security is a key part of many retirees’ financial plans. If that’s you, make sure you’re not overlooking a potential danger: scams. https://t.co/tfaNsH0Nih
The stock market is all over the place. Ignore the noise. And if you're a long term investor DEAR GOD please DO NOT take your money out.
I am at a stage in life where my main objective is to pass along to others the principles I have learned over the last 60 years that have helped me and that I think can help others. I believe...
🆕 Adviser links: helping clients set goals, the impact of tax planning in retirement, and four components of senior adviser satisfaction. https://t.co/fA8eqSMu5q image: https://t.co/uYN309n8aN https://t.co/xDdI8PtgNe
