Weekend Reading For Financial Planners (January 25–26)
Nerd's Eye View
JANUARY 24, 2025
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Financial Planning For Freelancers: 8 Tips To Budget And Save
Clever Girl Finance
DECEMBER 23, 2024
Create a realistic budget 2. Without a steady paycheck or employer benefits, youre responsible for your own budgeting, savings, and future planning. Create a realistic budget Budgeting isnt just for nine-to-fiversits the lifeline of freelancers. Table of contents Why financial planning for freelancers is crucial 1.
Budgeting 
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Government Spending Is Out of Control! LOL
The Big Picture
MARCH 24, 2025
The text accompanying that chart reads: “ Consumption: in 2024, one third of GDP came from government spending, a record high excluding periods of war or crisis; this was financed by 6-7% budget deficits, another unwelcome peacetime record.” Total expenditures exclude consumption of fixed capital (CFC), which is a noncash charge.
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Personal finance links: psychological benefits
Abnormal Returns
JANUARY 15, 2025
(financialducksinarow.com) Home ownership Alina Fisch, "A home is a bittersweet tangle of realities: your private sanctuary, a way to belong to a community, a place to make memories and express your personality, a financial asset you can leave to your heirs.but also a potential albatross of costs, hassle, and risk."
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Research links: simple corporate events
Abnormal Returns
JULY 9, 2024
Asset pricing The CAPM doesn't work. kitces.com) How budget deficits affect Treasury yields. Maybe this measure does. klementoninvesting.substack.com) Brown stocks outperform green stocks. alphaarchitect.com) Hedge funds Replicating multi-strategy hedge fund returns is kind of a waste. alphaarchitect.com)
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What Is The 70-20-10 Budget?
Clever Girl Finance
DECEMBER 16, 2023
If you don’t feel like you truly have a strong handle on your finances, one possible cause for that is using a budgeting method that doesn’t work. While not everyone needs a to-the-penny balanced budget, some type of budgeting strategy or template is really important if you want to know where your money is going month after month.
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Weekend Reading For Financial Planners (February 24-25)
Nerd's Eye View
FEBRUARY 23, 2024
Which suggests that instead of trying to go head-to-head with these larger firms (and their heftier marketing budgets) in attracting clients, smaller firms might instead demonstrate how they are 'different' by offering a unique service offering tailored to their ideal target clients.
5 Tactics for Retirees to Navigate Economic Uncertainty
MainStreet Financial Planning
MARCH 12, 2025
Reevaluate Your Asset Allocation If watching your investment portfolio fluctuate causes anxiety, your current allocation might be too aggressive. Reassess Your Budget Take a close look at your spending. Consider shifting towards a more conservative approach. Are there areas where you can scale back or eliminate expenses?
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Focus on Budgeting to Attract Mass Affluent Clients
eMoney Advisor
DECEMBER 13, 2022
Generally, a mass affluent client has investable assets between $100,000 and $1 million. These individuals are often underserved by traditional investment firms because they lack the assets to meet minimum requirements. Start with the goal and work backward to create a budget. Mass Affluent Clients and the Advice They Crave.
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Personal finance links: a sense of purpose
Abnormal Returns
AUGUST 3, 2022
obliviousinvestor.com) Why you don't likely need a budget in retirement. gofrombroke.com) Time is your most valuable asset. (getrichslowly.org) An excerpt from "Taking Stock: A Hospice Doctor's Advice on Financial Independence, Building Wealth, and Living a Regret-Free Life" by Jordan Grumet. awealthofcommonsense.com).
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Weekend Reading For Financial Planners (July 6-7)
Nerd's Eye View
JULY 5, 2024
Also in industry news this week: A separate Supreme Court decision struck down the SEC's use of in-house judges to adjudicate cases involving civil penalties (unless both parties in the matter agree to it), likely setting up more settlement offers from the regulator to avoid a drawn-out legal process in the Federal court system At a time when it has (..)
Budget impact on Investments
Truemind Capital
AUGUST 2, 2024
Here is what we are doing to efficiently manage investments after accounting for the budget changes. Gold is an important asset class in a globally uncertain environment and should have a 10-15% portfolio allocation. CONNECT WITH TRUEMIND ADVISOR The post Budget impact on Investments appeared first on Investment Blog.
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Accelerating Growth By Marketing How Your Advisory Firm Is Different (Instead Of Better)
Nerd's Eye View
OCTOBER 16, 2023
Consumers have a wide range of options when it comes to choosing a provider of financial advice, from larger wirehouses and asset managers to smaller Registered Investment Advisers (RIAs).
Transcript: Elizabeth Burton, Goldman Sachs Asset Management
The Big Picture
SEPTEMBER 19, 2023
The transcript from this week’s, MiB: Elizabeth Burton, Goldman Sachs Asset Management , is below. Elizabeth Burton is Goldman Sachs asset management’s client investment strategist. We actually have a budget for risk management and technology and tools. It depends on your asset allocation. Thank you for having me.
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3rd Quarter Economic And Market Outlook: Understanding Risks And Opportunities In The Web Of Inflation, Interest Rates, Valuations, And More
Nerd's Eye View
OCTOBER 4, 2023
And even though U.S. There's also the question of whether long-term equity returns could be significantly lower than we've experienced during the post-WWII era without the boost of lower interest and tax rates.
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At The Money: How to Buy Alternatives
The Big Picture
JANUARY 15, 2025
At the Money: Lessons in Allocating to Alternative Asset Classes. Investors have lots of questions when allocating to these asset classes: How much capital do you need? How should investors approach these asset classes? What sort of return expectations should investors have for these different asset classes?
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20 Game Changing Life Hacks For Women On A Budget
Clever Girl Finance
DECEMBER 15, 2022
Set a budget for self-care expenses. If it’s important to you, budget for it. This way you’re not buying on impulse or spending more than you allocated on your budget. Work and budgeting hacks for women. Your health is your biggest asset. Yes, put the bi-weekly nails or lashes down. Take advantage of 401k matching.
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Why Pre-Tax Retirement Contributions Are Better Than Roth In Peak Earning Years (Even If Tax Rates Increase)
Nerd's Eye View
SEPTEMBER 25, 2024
tax policy are predicting that Congress will inevitably be forced to again increase tax rates in order to raise revenue and balance the national budget – and that the current regime of relatively low tax rates will prove to be a temporary phenomenon. However, with the national debt expanding rapidly, observers of U.S.
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When Does A Financial Coach Need To Register As An Investment Adviser? The “ABCS” Test To Determine Status
Nerd's Eye View
DECEMBER 6, 2023
Notably, while many financial coaches satisfy the majority of these requirements – they are in the business of offering advice to clients and are compensated as such – they often steer clear of making specific securities recommendations, focusing instead on areas like budgeting, debt management, savings, and retirement planning.
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The Impact of Amortizing Volatility across Private Investments
Alpha Architect
JULY 19, 2024
The amortization of volatility should be of concern for private capital asset classes. In order to properly budget for beta risks, it is critical that investors in private assets understand the amount of systemic (beta) risk that will “wash” into their private portfolios.
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#FA Success Ep 362: Developing Associate Advisor Compensation Plans And Career Tracks To Scale Capacity Past $1.5B AUM, With Jeff Brown
Nerd's Eye View
DECEMBER 5, 2023
billion in assets under management for just over 350 client households. billion of AUM (and is now increasing the firm's marketing budget and hiring a dedicated marketing professional to help further expand his firm's reach). Welcome back to the 362nd episode of the Financial Advisor Success Podcast !
Should you invest in Gold or Silver post the Budget?
Truemind Capital
JULY 26, 2024
When so much money is printed without any underlying asset to back it, it starts losing its value, especially when the interest rates are close to zero. Therefore, to hedge against such global uncertainties, investment in a universally accepted asset class i.e. Gold becomes a good hedge. appeared first on Investment Blog.
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Yieldstreet Review: Should You Invest In Alternative Assets?
Good Financial Cents
JANUARY 16, 2023
Access to wide array of alternative asset classes Access to ultra-wealthy investments Can invest for income or growth Learn More Now. Because the platform holds various assets – real estate , cryptocurrencies , artwork , and more – the average user holds about seven investments. Unique Asset Classes. Yieldstreet IRA.
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A $300,000 College Tour
Wealth Management
JUNE 12, 2025
Share some basic information such as trip dates, colleges to visit and what kind of hotel you’d like to stay in, from budget to chain to luxury. To do this, use your favorite personal AI assistant, whether it’s Google Gemini, Chat GPT or something else. And it will suggest food stops. Best part of this? It’s free.
Tuesday links: staying young psychologically
Abnormal Returns
SEPTEMBER 3, 2024
Markets How major asset classes performed in August 2024. frontofficesports.com) Global Ireland is running a budget surplus. entrylevel.topdowncharts.com) REITs have stopped going down. entrylevel.topdowncharts.com) Strategy Analysts focus on these market numbers, you don't have to. axios.com) Year 2 for ESPN Bet is here. than Europe.
#FA Success Ep 347: When The Firm You Sell To Gets Sold And You Have To Reinvent Yourself, With Cary Carbonaro
Nerd's Eye View
AUGUST 22, 2023
Cary is the Senior Vice President & Director of Women and Wealth Services for Advisor Capital Management, an independent RIA with offices around the country and headquartered in Charlotte, North Carolina, that oversees more than $6 billion in assets under management for 1,700 client families.
Average Net Worth By Age: Where Do You Stand?
Clever Girl Finance
JANUARY 29, 2023
What's included with net worth Net worth includes your assets and your liabilities. Subtract your liabilities from your assets to get your net worth. Your assets include everything from the cash in your bank accounts to the value of your stock portfolios and the market value of anything tangible that you own such as a house or a car.
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Top Insights Driving Financial Planning Strategies in 2025
WiserAdvisor
JUNE 4, 2025
Comprehensive financial planning involves budgeting, investment planning, tax optimization, debt management , insurance coverage, retirement strategy, and even estate planning. Just like booking a taxi on your phone, one also expects to receive financial advice, invest, and liquidate their assets, while on the go.
#FASuccess Ep 431: Navigating Couples With Money Conflicts By Developing A New Toolset Of Questions To Ask, With Nick Rodkin
Nerd's Eye View
APRIL 1, 2025
Nick is the managing partner of Stoic Financial, an LPL-affiliated advisory firm based in Boynton Beach, Florida, that oversees $107 million in assets under management for 70 client households. My guest on today's podcast is Nick Rodkin.
Securing Your Legacy: Financial Planning Tips for Your Children’s Future
Yardley Wealth Management
NOVEMBER 12, 2024
Create a Will and Estate Plan Estate planning allows you to outline precisely how your assets should be distributed and how your children should be provided for if you’re no longer there. Teaching them about budgeting, saving, and managing debt can help instill a sense of responsibility and independence.
Financial Planning For Freelancers: 8 Tips To Budget And Save
Clever Girl Finance
DECEMBER 23, 2024
Create a realistic budget 2. Without a steady paycheck or employer benefits, youre responsible for your own budgeting, savings, and future planning. Create a realistic budget Budgeting isnt just for nine-to-fiversits the lifeline of freelancers. Table of contents Why financial planning for freelancers is crucial 1.
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Your Most Important Asset
Random Roger's Retirement Planning
OCTOBER 30, 2022
We might spend $100/mo on supplements but that is in our grocery budget. As was the case for 2022 we're saving about $1000/mo because we can get away with catastrophic coverage and by Blue Cross' estimate, another $500/mo on other medical expenses. Vitamin D and zinc are cheap, turmeric and magnesium glycinate are expensive.
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Avoid Making These Mistakes to Safeguard Your Wealth
WiserAdvisor
JUNE 13, 2025
Below are some of the mistakes you should avoid making to secure your wealth: Mistake #1: Not diversifying your investments Investing too much of your money into one sector, one type of asset, or one region can expose your wealth to unnecessary risk. A good estate plan ensures your assets go where you want them to. The good news?
How a Fee-Only, Flat-Fee Financial Planner Can Save You $114K+
MainStreet Financial Planning
MARCH 7, 2025
The two most common pricing models are fee-only financial planners (flat-fee or fixed-fee advisors) and AUM-based financial advisors (who charge a percentage of assets under management). Unlike AUM advisors, they dont have an incentive to keep assets under management, so their recommendations are truly objective.
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HUDCO 333% Surge in One year: Budget Unveils Ambitious Plan for 2 Crore Homes
Trade Brains
FEBRUARY 7, 2024
HUDCO With the launch of the interim budget for 2024, the Indian government declared a visionary plan to construct 2 crore houses over the next five years. GNPA (Gross Non-Performing Assets): GNPA represents the total amount of loans that borrowers haven’t repaid on schedule. Net NPA ratio has remained below 0.6%
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Creating a Charitable Giving Strategy: From Donations to Endowments
Carson Wealth
DECEMBER 10, 2024
Establish a Budget and Schedule for Giving One of your first tasks is to determine how much you are comfortable giving. Youll want to consider your income, net worth, types and liquidity of assets, your future needs and familys needs, and any other plans you want to fund like a business venture or advanced degree.
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8 Items That Can Be Crucial For Your Retirement Planning Checklist
Carson Wealth
MAY 29, 2025
As part of your plan, you should create a budget. The budget will help you understand how much income you need in retirement. For instance, if youre planning to live on $40,000 a year after you retire, see what its like to live on that budget for six months. Youll get a pretty good idea of what challenges could lie ahead.
Celebrating 20 Years with Allison: A Legacy of Leadership, Empathy, and Empowerment
Financial Symmetry
JUNE 18, 2025
Whether it’s comparing budgeting to sitcom scenarios or addressing cybersecurity with pop culture flair, her blog posts resonate with clients and colleagues alike. A few favorites include: Stop the Show Investing, Not Gambling Capital One Data Breach Are You a Spite Spender?
A Few Thoughts On Diversification Strategies
Fortune Financial
OCTOBER 14, 2024
It has been my experience when reviewing portfolios that diversification is typically expressed simply as a number of various stocks owned, or owning a handful of asset classes, usually stocks of various sizes and geographies, and bonds of varying maturities.
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10 Most Useful Personal Finance Ratios And How To Apply Them
Clever Girl Finance
FEBRUARY 6, 2023
Then, create or refer to your spending journal or a budgeting tool to see how much you’re spending every month. You might be cutting out some of your “fun” budgets for this one. Put simply, liquid assets refer to (A) cash or (B) other financial assets you can quickly convert into cash. Is it an asset or a liability ?
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12 Steps To Creating A Solid Financial Plan For Yourself
Clever Girl Finance
MARCH 19, 2024
Is a financial plan the same as a budget? Make a budget Budgeting is a key part of how to create a financial plan that works. A budget must work for you, which means finding a method that suits your circumstances. A budget must work for you, which means finding a method that suits your circumstances.
Financial Resolutions to Take Into the New Year
Carson Wealth
DECEMBER 8, 2022
Create a Budget. A budget is an excellent way to help you stay on track in real time with your expenses. Two budgeting apps I like: Mint , which is free and great for tracking and categorizing expenses; and YNAB (You Need a Budget), which costs $100 a year but is ad-free. And where will you deposit the savings?
How To Get Rich From Nothing!
Clever Girl Finance
DECEMBER 7, 2022
Net worth is the value of all of your assets minus the liabilities that you owe. So by knowing your starting point and how much or how little you have, you can figure out how much money and assets you will need to acquire to achieve your goal. You can even save money on a tight budget. Get on a budget. Get on a budget.
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5 Components of Financial Literacy
Zoe Financial
JUNE 18, 2025
Managing spending doesn’t require strict budgeting—it’s about awareness. There are many ways to invest, including stocks, bonds, real estate, private equity, and alternative assets. Spend Spending refers to the money leaving an account for expenses.
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