Mullooly Asset Management
FEBRUARY 6, 2025
401k Loans Are Bad? Here are some key takeaways: – Taking 401k loans can significantly impact retirement savings due to missed opportunity costs, potentially reducing the final balance by hundreds of thousands of dollars. – Having an emergency fund is crucial to avoid dipping into retirement accounts for unexpected expenses.
Nerd's Eye View
FEBRUARY 6, 2025
The introductory meeting is a high-stakes moment for both advisors and prospects, often nerve-wracking for both sides. Advisors must decide how to present themselves, respond to questions, explain complex issues in an engaging way, and propose and explain their long-term proposition. And at the same time, prospects are likely to feel vulnerable and equally nervous with their own set of concerns – how to present themselves to the advisor, what questions to ask, and how to explain their issu
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Carson Wealth
FEBRUARY 6, 2025
Every year brings changes in tax rules, and 2025 is no exception. Whether you are saving for retirement, running a business, or planning for your family’s future, these updates could affect your financial decisions throughout the year. While some changes simply adjust for inflation, others create brand new opportunities to strengthen your financial position.
Calculated Risk
FEBRUARY 6, 2025
Notes: This CoreLogic House Price Index report is for December. The recent Case-Shiller index release was for November. The CoreLogic HPI is a three-month weighted average and is not seasonally adjusted (NSA). From CoreLogic: CoreLogic: Home Price Growth Ticks Up Slightly in December The national home price gain was 3.4% year over year in November 2024, down from the 5.2% growth recorded in the same month of 2023.
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The office of the CFO is rapidly evolving, with more and more demands being placed upon the finance and accounting team each year. Join us in this webinar, where we share 8 things to NOT do when it comes to helping the CFO office advance in supporting the business. Learning Objectives: This course objective is to understand how best to support an organization's finance leadership.
Random Roger's Retirement Planning
FEBRUARY 6, 2025
A couple of interesting ETFs to look at today. First is a filing for the USCF Endowment Alternatives ETF. The target allocation will be 35% to private equity, 20% to private credit, 20% to a combo of commodities and infrastructure and the last 10% to real estate. Most of the fund will be in exchange traded products so it will be targeting some holdings it believes can serve as proxies for private assets along with up to 15% in actual private assets.
Calculated Risk
FEBRUARY 6, 2025
On Friday at 8:30 AM ET, the BLS will release the employment report for January. The consensus is for 170,000 jobs added, and for the unemployment rate to be unchanged at 4.1%. There were 256,000 jobs added in December, and the unemployment rate was at 4.1%. IMPORTANT NOTE: For the household survey, new population controls will be used - and this will boost overall household employment.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Calculated Risk
FEBRUARY 6, 2025
Today, in the Calculated Risk Real Estate Newsletter: MBA: Mortgage Delinquencies Increased Slightly in Q4 2024 A brief excerpt: From the MBA: Mortgage Delinquencies Increase in the Fourth Quarter of 2024 T he delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.98 percent of all loans outstanding at the end of the fourth quarter of 2024 , according to the Mortgage Bankers Associations (MBA) National Delinquency Survey.
Bell Investment Advisors
FEBRUARY 6, 2025
January brought a good start to the year for investors. The global stock market rose, as did the U.S. bond market. Leading the pack so far are developed international stocks, up about 5%, with domestic value stocks not far behind. Despite a significant one-day drop of some AI-related companies over competitive concerns, even U.S. growth stocks muscled out a gain for the month.
Calculated Risk
FEBRUARY 6, 2025
Over a decade ago, in 2013, I wrote a post " Predicting the Next Recession. That post was in response to several recession forecasts (that were incorrect). In that post, I noted that the next recession would likely be caused by one of the following: " An exogenous event such as a pandemic , significant military conflict, disruption of energy supplies for any reason, a major natural disaster (meteor strike, super volcano, etc), and a number of other low probability reasons.
Validea
FEBRUARY 6, 2025
Shareholder yield measures the total value a company returns to investors compared to its market value, encompassing three key elements. Dividend yield represents direct cash payments to shareholders from profits. Share buybacks create the second component, as repurchasing stock increases the value of remaining shares. The third element comes from debt reduction, which strengthens the company’s financial position and enhances its potential for future earnings growth.
Speaker: Dylan Secrest, Founder of Alamo Innovation and Construction Digital Transformation Consultant
Construction payment workflows are notoriously complex when you consider juggling multiple stakeholders, compliance requirements, and evolving project scopes. Delays in approvals or misaligned data between budgets, lien waivers, and pay applications can grind progress to a halt. The good news? It doesn't have to be this way! Join expert Dylan Secrest to discover how leading contractors are turning payment chaos into clarity using digital workflows, integrated systems, and automation strategies.
Calculated Risk
FEBRUARY 6, 2025
The DOL reported : In the week ending February 1, the advance figure for seasonally adjusted initial claims was 219,000 , an increase of 11,000 from the previous week's revised level. The previous week's level was revised up by 1,000 from 207,000 to 208,000. The 4-week moving average was 216,750, an increase of 4,000 from the previous week's revised average.
NAIFA Advisor Today
FEBRUARY 6, 2025
Mike McGlothlin , CFP, CLU, ChFC, LUTCF, NSSA, Executive Vice President, Retirement, at Ash Brokerage , is the 2024 recipient of the Kenneth Black Jr. Leadership Award. McGlothlin manages a staff of more than 65 employees and has maintained a 90% retention rate. Under his leadership, more than 25 employees have bolstered their professional skills and received in-house promotions.
Abnormal Returns
FEBRUARY 6, 2025
Books An excerpt from "Make Work Fair: Data-Driven Design for Real Results" by Iris Bohnet and Siri Chilazi. (behavioralscientist.org) David Epstein talks with Steve Magness author of "Win the Inside Game: How to Move from Surviving to Thriving, and Free Yourself Up to Perform." (davidepstein.substack.com) An excerpt from "The Word of Dog: What Our Canine Companions Can Teach Us About Living a Good Life" by Mark Rowlands.
Calculated Risk
FEBRUARY 6, 2025
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Friday: At 8:30 AM: Employment Report for December. The consensus is for 170,000 jobs added, and for the unemployment rate to be unchanged at 4.1%. NOTE: For the household survey, new population controls will be used - and this will boost overall household employment.
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You wouldn’t keep using a 2009 flip phone - so why settle for outdated close processes? It’s time for an upgrade. SkyStem's Guide to Month-End Close Software walks you through what today’s best tools can do (and what your team shouldn’t have to deal with anymore). Get smart, fast, and a whole lot less stressed when it’s time to close the books.
A Wealth of Common Sense
FEBRUARY 6, 2025
Bill Sweet joined me on the show this week to discuss questions about the tax benefits of owning rental properties, the tax implications of an inheritance, retirement planning for military service members and how tariffs work. Further Reading: The U.S. Housing Market vs. The Canadian Housing Market The post The U.S. Housing Market vs. The Australian Housing Market appeared first on A Wealth of Common Sense.
Abnormal Returns
FEBRUARY 6, 2025
Strategy The ability to not panic is a superpower. (awealthofcommonsense.com) Doing less is a constant battle for investors. (investmenttalk.co) Six things to tilt the investing odds in your favor including 'Lower costs.' (novelinvestor.com) Finance Honeywell ($HON) is planning to split into three independent companies. (wsj.com) Countries typically don't borrow to fund a sovereign wealth fund.
The Big Picture
FEBRUARY 6, 2025
Previously : 1 2 3 See also : Is This a Bubble? (Ben Carlson, January 31, 2025) Tulipomania! (The Paris Review, February 3, 2014) The post Tulipmania! appeared first on The Big Picture.
Wealth Management
FEBRUARY 6, 2025
Jaguars defensive lineman Arik Armstead would "rather live like a prince forever than live like a king for a little bit.
Speaker: Victor C. Barnes, CPA, MBA
In the climb from contributor to leader, the rules quietly change. If you’re aiming for the summit, the air gets thinner—and what got you here won’t be enough to get you to the top (a concept first popularized by Marshall Goldsmith in his book What Got You Here Won’t Get You There ). What made you successful early in your finance career—technical accuracy, sharp analysis, flawless execution—won’t be what carries you to the next level.
Advisor Perspectives
FEBRUARY 6, 2025
With the Q4 GDP advance estimate and the January close data, we now have an updated look at the popular "Buffett Indicator" -- the ratio of corporate equities to GDP. The current reading is 205.1%, down slightly from the previous quarter.
Wealth Management
FEBRUARY 6, 2025
Capstone Wealth Advisors, an independent advisory team of six advisors and four support staff led by Ryan Skogstad, represents Wealth Enhancement's first acquisition of the year.
Advisor Perspectives
FEBRUARY 6, 2025
A look at our most widely read articles for January reveals a motley crew, ranging from thought pieces on best practices for managing your advisory firm to explorations of the potential for stock market disaster.
Wealth Management
FEBRUARY 6, 2025
Trading volume in the public debt market set anall-time highlast year, while the proliferation of private creditis estimatedby some to eventually reach $30 trillion.
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Automation generally supercharges any process and brings its value to the forefront. See how infusing automation such as ART (our month-end close solution), into your close can get you to the next level of closing. We will share a live demo of SkyStem's solution, ART and share the key elements of month-end close automation. Through ART, we'll take a look at: What month-end close automation entails Which process steps can and should be automated Benefits of achieving process automation, and Why i
Accounting for Good
FEBRUARY 6, 2025
When managing your NFP organsiations finances, one of the most important decisions youll make is how to track income and expenses.
Wealth Management
FEBRUARY 6, 2025
Keller will step down on April 30, 2026, with the Board planning a search for his successor in the coming year. In a LinkedIn post, Keller wrote that leading well means leaving well.
Advisor Perspectives
FEBRUARY 6, 2025
The S&P 500 real monthly averages of daily closes reached a new all-time high in December 2024 but fell slightly in January. Let's examine the past to broaden our understanding of the range of historical bull and bear market trends in market performance.
Wealth Management
FEBRUARY 6, 2025
The Florida-based Payant Wealth Management Group, which used an Osaic broker/dealer for brokerage business, has come under the firms corporate RIA.
Speaker: Kim Beynon, CPA, CGMA, PMP
The most overlooked, yet most critical, element of transformation is preparing people for change. Automation and AI aren't just technical upgrades, they’re cultural shifts which can challenge identities. That’s why change management isn’t a side project—it’s the foundation. In finance, where precision and process rule, navigating change can feel especially disruptive.
Advisor Perspectives
FEBRUARY 6, 2025
Here is a look at real (inflation-adjusted) charts of the S&P 500, Dow 30, and Nasdaq composite since their 2000 highs. We've updated this through the January 2025 close.
Wealth Management
FEBRUARY 6, 2025
Cetera acquires a $250 million New York-based RIA; Corient snags an ultra-high-net-worth Pittsburgh advisory; and two Arizona-based advisors seek independence by moving to LPLs RIA platform.
Advisor Perspectives
FEBRUARY 6, 2025
Why would a bank suddenly shut down a customer’s adequately funded account? Some leading Republicans, echoing tech titans like Marc Andreessen, have warned of a conspiracy among regulators to “debank” conservatives and crypto enthusiasts.
Wealth Management
FEBRUARY 6, 2025
Jaguars defensive lineman Arik Armstead would "rather live like a prince forever than live like a king for a little bit.
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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
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