Calculated Risk
NOVEMBER 20, 2023
Altos reports that active single-family inventory was up 0.5% week-over-week and is now up slightly year-over-year. This is the latest in the year that inventory was still increasing in this series! Inventory will start decreasing seasonally soon (for Thanksgiving and Christmas). Click on graph for larger image. This inventory graph is courtesy of Altos Research.
Wealth Management
NOVEMBER 20, 2023
Firms will have to be transparent, provide adequate guardrails and deliver impactful strategies to succeed because while AI won't replace humans it is not going away.
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Abnormal Returns
NOVEMBER 20, 2023
Markets The U.S. stock market hasn't made a new high in nearly 500 trading days. (awealthofcommonsense.com) How this yield curve steepening is different. (integratinginvestor.com) Strategy ESG or not, people are going to invest according to their values. (ritholtz.com) On the downside of focusing on high dividend yields. (insights.finominal.com) Crypto Do futures-backed Bitcoin ETFs have a future?
Wealth Management
NOVEMBER 20, 2023
Meant to eliminate conflicts of interest on self-directed trading apps that use AI and predictive analytics, the rule would in fact cut off market access for many of the investors who use them, a lawyer for the tech firm argued in a recent public forum.
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Where are top advisors focusing in 2025? AcquireUp’s 2025 Industry Index reveals it all. Based on insights from 200+ financial professionals nationwide, discover why 74% say seminars and referrals deliver the best ROI, how automation is helping advisors scale faster, and why only 8% are tapping into niche marketing (a major growth opportunity!). Whether you're refining your client acquisition strategy or scaling your practice, this report gives you the real-world data, benchmarks, and action ste
Nerd's Eye View
NOVEMBER 20, 2023
As marketing and prospecting processes become increasingly digital for financial advisors, many prospective clients learn about advisors and what they offer not from an introductory call, webinar, or speaking event but from the advisor's website itself. Talking about money is often highly personal and can leave individuals feeling vulnerable, so choosing who to serve in such a high-trust role as a financial advisor can have immense stakes.
Wealth Management
NOVEMBER 20, 2023
In the latest filing in its suit against FINRA in federal court, the Utah-based brokerage firm disputed the regulator’s claims that a ruling against it could have a dire impact on investors.
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Wealth Management
NOVEMBER 20, 2023
The newly created RIA, Stablepoint Partners, said Goldman’s research, investments and white glove service stood out.
Calculated Risk
NOVEMBER 20, 2023
Notes: The expansion to the Panama Canal was completed in 2016 (As I noted several years ago ), and some of the traffic that used the ports of Los Angeles and Long Beach is probably going through the canal. This might be impacting TEUs on the West Coast ( recently the drought in Panama has slowed canal traffic ). Container traffic gives us an idea about the volume of goods being exported and imported - and usually some hints about the trade report since LA area ports handle about 40% of the nati
Wealth Management
NOVEMBER 20, 2023
While wealth management advisors need to serve smaller/start-up retirement plans.
The Reformed Broker
NOVEMBER 20, 2023
“Armed to the teeth.” This is the phrase that came to mind as I was watching Josh Smith walk us through the demo of VRGL last week. I thought to myself it would be impossible for a mediocre financial advisor to hold onto a client relationship if something like this were in use by a rival advisor. The ability to show a prospective client this level of transparency on taxes, fees, allocation decision-making, etc.
Speaker: Claire Grosjean, Global Finance & Operations Executive
Finance teams are drowning in data—but is it actually helping them spend smarter? Without the right approach, excess spending, inefficiencies, and missed opportunities continue to drain profitability. While analytics offers powerful insights, financial intelligence requires more than just numbers—it takes the right blend of automation, strategy, and human expertise.
Wealth Management
NOVEMBER 20, 2023
The sale of Signature Bank’s apartment loans could be announced as early as today, reports The Wall Street Journal. Private credit is rising in popularity, but established asset managers are winning more than half of new deals, according to Bloomberg. These are among the must reads from the real estate investment world to kick off the holiday week.
Calculated Risk
NOVEMBER 20, 2023
From Matthew Graham at Mortgage News Daily: Boring Day For Mortgage Rates, But That's a Good Thing Mortgage rates moved down to the lowest levels in roughly 2 months last week. "Low" is relative, of course. Before September, today's rates would have been depressingly high, but they represent significant progress from October's multi-decade highs of over 8% for conventional 30yr fixed rates.
Wealth Management
NOVEMBER 20, 2023
Americans outside the wealthiest quintile have run out of extra savings generated early in the pandemic and now have less cash on hand than they did when the pandemic began, according to Fidelity Investments.
Calculated Risk
NOVEMBER 20, 2023
Today, in the Calculated Risk Real Estate Newsletter: 4th Look at Local Housing Markets in October A brief excerpt: The National Association of Realtors (NAR) is scheduled to release October existing home sales on Tuesday, November 21, 2023, at 10:00 AM ET. The consensus is for 3.93 million SAAR. Housing economist Tom Lawler expects the NAR to report sales of 3.94 million SAAR.
Speaker: David Worrell, CFO, Author & Speaker
Your financial statements hold powerful insights—but are you truly paying attention? Many finance professionals focus on the income statement while overlooking key signals hidden in the balance sheet and cash flow statement. Understanding these numbers can unlock smarter decision-making, uncover risks, and drive long-term success. Join David Worrell, accomplished CFO, finance expert, and author, for an engaging, nontraditional take on reading financial statements.
Wealth Management
NOVEMBER 20, 2023
Jed Finn was closely involved in helping integrate the Smith Barney brokerage business that Morgan Stanley purchased from Citigroup Inc.
Abnormal Returns
NOVEMBER 20, 2023
The biz Nitrogen has a new CEO. (riabiz.com) More advisers are finding issues with the Schwab-TDA transition. (investmentnews.com) Anchorage Digital now offers crypto SMAs for advisers. (riaintel.com) Distributions Safely withdrawing assets in retirement requires flexibility. (thinkadvisor.com) Some QCD mistakes to avoid. (investmentnews.com) Charitable giving How a parent's charitable giving affects their children.
Wealth Management
NOVEMBER 20, 2023
A 5.4% bump in the standard deduction and a boost to 401(k) contribution limits are among the tweaks to account for inflation.
Advisor Perspectives
NOVEMBER 20, 2023
The Conference Board Leading Economic Index (LEI) fell for a 19th consecutive month in October as the LEI resumed signaling a recession in the near term. The index dropped 0.8% from last month to 103.9, the index's lowest reading since May 2020.
Speaker: Erroll Amacker
Automation is transforming finance but without strong financial oversight it can introduce more risk than reward. From missed discrepancies to strained vendor relationships, accounts payable automation needs a human touch to deliver lasting value. This session is your playbook to get automation right. We’ll explore how to balance speed with control, boost decision-making through human-machine collaboration, and unlock ROI with fewer errors, stronger fraud prevention, and smoother operations.
Wealth Management
NOVEMBER 20, 2023
The SEC is expected, possibly by mid-January or sooner, to green-light ETFs that will buy and sell Bitcoin—after a decade of rejecting such applications.
Advisor Perspectives
NOVEMBER 20, 2023
Investors should embrace a genuine long-term perspective, extending their time horizons to at least 20 to 30 years. The traditional notion of long-term investing (five to 10 years) may fall short of realizing the full benefits of long-term strategies.
Alpha Architect
NOVEMBER 20, 2023
The article introduces a concept called "impact elasticity," which measures how a firm's environmental impact changes in response to shifts in its cost of capital (the "E" in "ESG"). It finds that the dominant sustainable investing strategy, which favors green firms and punishes brown firms by altering their cost of capital, can be counterproductive.
Advisor Perspectives
NOVEMBER 20, 2023
Let’s examine what the bond market is telling us about inflation and a solution that will pay you and your clients to insure for the possibility of continued high, long-term inflation.
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Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.
Cornerstone Financial Advisory
NOVEMBER 20, 2023
Weekly Market Insights: November Rally Continues Presented by Cornerstone Financial Advisory, LLC Stocks extended their November rally last week as investors cheered lower-than-forecast inflation data. The Dow Jones Industrial Average gained 1.94%, while the Standard & Poor’s 500 added 2.24%. The Nasdaq Composite index rose 2.37% for the week. The MSCI EAFE index, which tracks developed overseas stock markets, increased 3.36%. 1,2,3 Stocks March Higher A better-than-anticipated consumer infl
Risk Management Guru
NOVEMBER 20, 2023
As the year 2023 draws to a close, it’s time to reflect on the significant strides made in the realm of Risk Management within the financial services industry. Despite facing a multitude of challenges, including inflation, economic uncertainty, and geopolitical tensions, the industry seems to have demonstrated strong resilience and a steadfast commitment The financial services industry has experienced a number of challenges in 2023, with inflation, economic uncertainty, and geopolitical te
Darrow Wealth Management
NOVEMBER 20, 2023
If you think retirement planning moves stop at retirement, think again. For high earners, converting an IRA to a Roth IRA while you’re still working could be the worst time of all. Although it won’t make sense in every situation, retirement can be a unique opportunity for Roth conversions for some investors. Particularly for individuals who are holding a lot of cash or have proceeds from a windfall such as the sale of a business, a multi-year Roth conversion strategy is worth conside
Clever Girl Finance
NOVEMBER 20, 2023
Are you searching for new ways to make extra income? Let us introduce you to reselling and give you ideas on the best items to resell! In this article, we’ll discuss where to find items (some are right in your own house!) and where to sell them as well. Table of contents How does reselling work? Why reselling for cash is a great idea The 17 best items to resell for a profit Expert tip: Determine what items sell best 5 Ideas for where to find items for resale Where to list items for resale?
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Like being inches from the end zone, many advisors are frustratingly close to their next level of success. You work hard. You put in the hours. But if your closing rate is stuck or your pipeline feels like a revolving door… something has to change. Most advisors are just one small shift away from dramatically increasing their revenue. The difference?
XY Planning Network
NOVEMBER 20, 2023
Many people have come to know and love our adorable bean as the face of XY Bean Counters. But it is time to finish the bean counting chapter and introduce you to the faces of the bookkeeping team here at XY Planning Network. Now known as XYPN Books, the eleven-strong team keeps our members' books clean, accurate, and compliant month after month. So settle in, grab a cup of tea, and enjoy the story of the team behind the books.
Carson Wealth
NOVEMBER 20, 2023
Three weeks ago, stocks were down 10% from their late-July highs and most market pundits were predicting more pain to come. Although we at Carson didn’t see it that way, as discussed in this Weekly Market Commentary in real time, it was an uncomfortable period for most investors. Stocks continued to climb last week, as the year-end rally we’ve been expecting takes shape.
Advisor Perspectives
NOVEMBER 20, 2023
Advisors who set up recurring withdrawals at TD need to beware. With the transition to Schwab, those scheduled January withdrawals will take effect in December instead.
Integrity Financial Planning
NOVEMBER 20, 2023
One way of thinking about retirement is that it happens in phases. The length of each phase and the strategies for each are going to differ from person to person, but this can be a helpful way to break down a very complex topic. We’re going to break down each one of the phases and explain some important financial moments in each. Phase 1: Pre-retirement (Approximately Ages 50-62) This is around the age when you will start to have a sense of what you have saved and what your expenses might look l
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