Discipline Funds

APRIL 30, 2025

I wish I’d owned a lot more given that it’s up 84% since 2022 while the global stock market is up 15% and aggregate bonds are down -3.5%. So, when the Dollar ripped 28% in 2021 and 2022 I figured it might be beneficial to hedge that exposure since I consume everything in Dollars. It’s down 22% from its 2022 highs.

Insurance 75

Insurance Financial Planning Government Economy 75

WiserAdvisor

JUNE 13, 2025

Keeping it safe, growing it wisely, and using it to support your future takes careful planning. It plays a crucial role in helping people achieve financial stability, prepare for retirement, and leave a lasting legacy for their families. Yet even the best financial plans can stumble. Take the year 2022, for example.

Estate Planning 59

Estate Planning Taxes Retirement Healthcare 59

Your Richest Life

JANUARY 27, 2025

For example, research from S&P Global found that over the 20-year period ending in 2022, only about 4.1% About Your Richest Life At Your Richest Life, Katie Brewer, CFP, believes you too should have access to financial resources and fee-only financial planning. of professionally managed portfolios in the U.S.

Investing 52

Investing Investments Risk Tolerance Portfolio 52

Financial Symmetry

JUNE 24, 2025

There’s also recency bias at play: The market downturns of 2022 and the COVID-19 shock in 2020 linger in memory, making us forget the equally compelling history of market recoveries and long-term growth. 20:39] Focus on planning goals for the next 5 to 7 years. Cash is Comforting, but at What Cost?

Certification 62

Certification Portfolio Planning Retirement 62

Harness Wealth

FEBRUARY 5, 2025

The Internal Revenue Service (IRS) adjusts FEIE exclusion amounts annually based on inflation, with the exclusion amounts for the past 5 years being as follows: Tax Year FEIE Amount 2025 $130,000 2024 $126,500 2023 $120,000 2022 $112,000 That said, the FEIE only applies to foreign earned income, with foreign passive income ineligible for exclusion.

Taxes 52

Taxes Compliance Accounting Government 52

Financial Symmetry

MARCH 31, 2025

Source: [link] As you can see, 66% of voters in 2022 fall in that category and would likely have a major influence on electing officials who support measures to fully fund Social Security. Social Security is one of the most politically protected programs in the U.S., especially for voters nearing or in retirement.

Retirement 62

Retirement Taxes Financial Planning Economics 62

Wealth Management

JUNE 27, 2025

The firm had been an owner-operated business until late 2022, when Ryan Hanks, founder and CEO of Madison Capital Group, a real estate investment firm, took a majority stake in Orange Street Holdings, the entity that owns Realta. Q&A: What Was Behind Schechter’s Decision to Sell to Arax?

Estate Planning 191

Estate Planning Wealth Management Compliance Recruitment 191

Zoe Financial

APRIL 7, 2025

I ntra-year drop: Markets are down ~1819% this year high, but still within historical norms: 2022: 25% 2020 (COVID): 34% 2008 (financial crisis): 49% Volatility spike: VIX rose above 45 one of the highest on record. For investors, this may be a time to revisit your financial plan, not to panic. Stay tuned for next week.

Marketing 81

Marketing Marketing Risk Tolerance Taxes 81

Financial Symmetry

JUNE 18, 2025

Specialized Expertise for Life’s Transitions In addition to holding the Certified Financial Planner ( CFP® ) designation, Allison earned the Certified Financial Transitionist® (CeFT®) credential in 2022—an advanced designation focused on the emotional and psychological complexities of financial change.

Certified Financial Planner 57

Certified Financial Planner CFP Education Financial Planner 57

Random Roger's Retirement Planning

MARCH 15, 2025

The example assumes no sort of serious medical or family calamity that altered your financial plan, life happens that way sometimes. There were a couple of instances of outperformance in the period studied including 2022 when it was up 46 basis points and it is slightly ahead this year too.

Portfolio 59

Portfolio Medical Marketing Marketing 59

WiserAdvisor

JULY 7, 2025

There are several types of IRAs, such as Traditional, Roth, Simplified Employee Pension (SEP), and Savings Incentive Match Plan for Employees (SIMPLE). But if you are planning to take money out from a Roth IRA before you turn 59½, there would still be some cuts. First off, let’s clear up some confusion. There are also no RMDs.

Planning 40

Planning Retirement Taxes Distribution 40

Harness Wealth

APRIL 15, 2025

Data from the Federal Reserves 2022 Survey of Consumer Finances (SCF) (released in late 2023) offers the most recent comprehensive snapshot of American household wealth. Find Your Wealth Advisor at Harness How Net Worth Is Changing in America From 2016 to 2022, the median U.S. Whats on the Average American Balance Sheet?

Wealth Advisor 52

Wealth Advisor Taxes Assets Retirement 52

Random Roger's Retirement Planning

JANUARY 23, 2025

There will obviously be future bear markets and the extent to which they cause real damage to a financial plan depends on whether any steps are taken to mitigate the full brunt of a decline that. The 5% weighting to managed futures helped by 167 basis points in 2022. It's very simple.

Management 52

Management Portfolio Financial Planning Taxes 52

Wealth Management

JULY 15, 2025

Everything fell in 2022 including the perceived safety net of bonds, which experienced their largest drawdowns ever. equities (S&P 500 index) have reigned supreme over international equities (MSCI World ex USA index) by over a cumulative 420% during the past 20-years through June 2025. Not surprising when bond yields were at 1%.

Wealth Management 213

Wealth Management Portfolio Estate Planning Asset Allocation 213

Wealth Management

JUNE 24, 2025

The buffer funds have weathered the initial COVID-19 market disruptions in 2020 and the wave of supply chain disruption and inflation that hammered 60/40 portfolios in 2022. It’s very much case-by-case and all anchored back to identifying the strategy that’s going to maximize the success for the client’s financial plan.”

Marketing 205

Marketing Marketing Wealth Management Estate Planning 205

Nerd's Eye View

OCTOBER 23, 2023

Many financial advisors take pride in the comprehensive nature of the advice they provide to clients and use the variety of services offered as a point of differentiation between themselves and other types of advisors.

Financial Planning 246

Financial Planning Planning Clients Financial Planner 246

Nerd's Eye View

OCTOBER 3, 2022

Welcome to the October 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

Commission 246

Commission Financial Planning Ethics Planning 246

Nerd's Eye View

AUGUST 1, 2022

Welcome to the August 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

Financial Planning 246

Financial Planning Financial Advisor Commission Planning 246

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.

Retirement 246

Retirement Planning Financial Planning Risk Tolerance 246

Nerd's Eye View

SEPTEMBER 5, 2022

Welcome to the September 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

Financial Advisor 241

Financial Advisor Estate Planning Accounting Taxes 241

The Chicago Financial Planner

NOVEMBER 27, 2022

One of the best tax deductions for a small business owner is funding a retirement plan. If you don’t plan for your own retirement who will? Two popular small business retirement plans are the SEP-IRA and Solo 401(k). The maximum for 2022 is $61,000, this has been increased to $66,000 for 2023. Eligibility.

Retirement Planning 263

Retirement Planning Retirement Planning Financial Planner 263

Wealth Management

JUNE 22, 2023

Also, contrary to popular belief that investment management has become commoditized, there was more demand for those services in 2022, while interest in financial planning dropped, according to a new study by the IAA and COMPLY.

Assets 262

Assets Financial Planning Planning Management 262

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.

Financial Planning 246

Financial Planning Risk Tolerance Retirement Planning Planning 246

Nerd's Eye View

SEPTEMBER 19, 2022

2022 marks the 50 th anniversary of the enrollment of students into the first Certified Financial Planner (CFP) course, and in the years since then, financial planning (and the process of creating a financial plan) has changed extensively.

Financial Planner 245

Financial Planner Certified Financial Planner Financial Planning CFP 245

Nerd's Eye View

JULY 25, 2022

2022 was a year that began with high hopes as households were slowly re-emerging from pandemic shutdowns, markets were reaching new highs, and most advisory firms had growing momentum. This year’s Summit will be held on Thursday, December 8 th – Save the date!

Education 244

Education Financial Planning Estate Planning CFP 244

eMoney Advisor

MAY 1, 2023

.” Only 4 percent of Certified Financial Planner™ professionals identify as Asian American or Pacific Islander (AAPI), though they make up 6.2 1,2 Despite the small numbers, AAPI professionals remain the largest ethnic minority within the financial planning profession. ” March 25, 2022. Nandita Das, Ph.D.,

Financial Planning 101

Financial Planning Planning Financial Planner CFP 101

eMoney Advisor

JANUARY 12, 2023

We’ve gathered seven unique volunteer opportunities for financial professionals, including pro bono financial planning. A 2021 study measured the impact pro bono financial planning can have on cancer patients. Foundation for Financial Planning. Financial Planning Association chapters.

Financial Planning 107

Financial Planning Planning Financial Planner CFP 107

Nerd's Eye View

JANUARY 20, 2023

While it remains to be seen whether the measures will actually be enacted, proposed measures include raising income and capital gains tax rates, instituting wealth taxes, and reducing the state estate tax exemption, potentially creating future planning opportunities for advisors with clients in those states. Read More.

Financial Planner 246

Financial Planner Financial Advice Fee Only Financial Planning 246

The Big Picture

MAY 5, 2023

From the perspective of an asset management and financial planning firm, the challenge is getting people to ignore the day-to-day noise in favor of thinking about where prices will be a decade hence. Rather than accept the volatility of month-to-month economic datapoints — NFP, Consumer Spending, Manufacturing, Inflation, etc.

Economics 363

Economics Financial Planning Manufacturing Numbers 363

eMoney Advisor

NOVEMBER 9, 2022

Cultural humility can help create a safe space for clients to share their most important financial information, which is a critical part of the financial planning process. The most notable shift to be aware of is the departure from the conventional financial service model and the journey to holistic planning.

Financial Planning 78

Financial Planning Planning Certified Financial Planner Financial Planner 78

eMoney Advisor

FEBRUARY 9, 2023

Of an estimated 104 million households seeking some level of financial advice, 88 million of those households want that advice from a financial professional. In this overview, we will explore the demographics of each stage, the financial planning needs of people in each stage, and strategies for serving them.

Financial Planning 95

Financial Planning Clients Planning Education 95

eMoney Advisor

DECEMBER 27, 2022

As client expectations continue to evolve, there is an opportunity for financial planners to broaden and deepen their service offerings by providing holistic financial planning. These financial needs are linked to Maslow’s hierarchy esteem needs, such as self-respect and personal accomplishment. 2 Neufeld, Dorothy.

Financial Planning 78

Financial Planning Planning Clients Wealth Management 78

eMoney Advisor

APRIL 25, 2023

Values conversations are part of a shift toward a more human-centered, holistic financial planning approach in the industry that can be seen in publications like The Psychology of Financial Planning by the CFP Board. 5 Values conversations can be especially beneficial for couples, and the planning process.

Financial Planning 84

Financial Planning Planning Financial Planner Clients 84

eMoney Advisor

DECEMBER 21, 2022

Goal-based financial planning entails setting and achieving individual financial goals based on a client’s aspirations, assets, and savings. Whereas cash flow-based financial planning involves a precise approach to meeting goals based on the money flowing into and out of a household every month.

Financial Planning 76

Financial Planning Planning Budgeting Clients 76

WiserAdvisor

OCTOBER 11, 2022

Most people start financial planning with the goal of growing their finances through savings and investments. But financial planning is not limited to increasing your wealth alone. Tax planning is essential. However, you can adopt certain tax and financial planning strategies to lower your tax output.

Financial Planning 80

Financial Planning Accounting Taxes Planning 80

The Big Picture

NOVEMBER 15, 2023

After a big gap opening, latecomers piled in; many had been sitting on the sidelines following a challenging 2022, while others got panicked out during the 10% October drawdown. Following the presentation I gave on navigating financial disasters , I spoke with Jeff Hirsch of Stock Traders Almanac ( video here ). . year over year.

Investing 344

Investing Investments Portfolio Economics 344

AdvicePay

APRIL 12, 2023

The economic challenges of 2022 combined with the rapid increase of inflation and interest rates motivated clients to seek out more than just investment management services from financial professionals. People not only want real financial planning, they need it.

Financial Planning 89

Financial Planning Planning Clients Economics 89