The Big Picture
AUGUST 15, 2022
One of my favorite ways to contextualize market trends is to divide long periods of time into secular bull and bear markets. When we look at the past century, we can see decades-long eras where the economy is generally robust, supporting markets trending higher, with expanding multiples. We call these eras Secular Bull Markets. The best examples are 1946-66, 1982-2000, and 2013 forward.
Nerd's Eye View
AUGUST 15, 2022
Working as a financial advisor can be both financially rewarding and emotionally satisfying. By helping clients develop financial goals, creating a financial plan, and supporting the implementation and monitoring of the plan, advisors help clients live their best lives. But while new fee models have allowed fee-only advisors to reach an expanding range of potential clients, there are many Americans who could benefit from professional financial advice but might not have sufficient income or asset
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The Big Picture
AUGUST 15, 2022
My back-to-work morning train WFH reads: • When is a Bear Market Over? Like many things in the market, there aren’t any hard and fast rules for this kind of thing, especially in real-time. Let’s look at the 2008 scenario as an example. The S&P 500 topped out in early October 2007 and bottomed in March 2009. On a price-only basis, the index didn’t reach those 2007 highs again until March 2013: ( Wealth of Common Sense ). • How Remote Work is Shifting Population Growth Across the U.S.
Nerd's Eye View
AUGUST 15, 2022
Working as a financial advisor can be both financially rewarding and emotionally satisfying. By helping clients develop financial goals, creating a financial plan, and supporting the implementation and monitoring of the plan, advisors help clients live their best lives. But while new fee models have allowed fee-only advisors to reach an expanding range of potential clients, there are many Americans who could benefit from professional financial advice but might not have sufficient income or asset
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Technology is rapidly changing the way accountants perform and manage month-end activities. Spreadsheets, email, and shared drives no longer have to slow us down. Join us as we present a "sneak peek" recorded demo of SkyStem's month-end close solution – ART. In under four weeks, your team can start reaping the benefits of month-end close automation by vastly reducing spreadsheets, cut down on reconciliation work, speed up the month-end close, and better manage your remote team.
Abnormal Returns
AUGUST 15, 2022
Podcasts Michael Kitces talks with Anna N’Jie-Konte who is the founder of Dare to Dream Financial Planning about leveraging her reach. (kitces.com) Daniel Crosby talks with Melina Palmer is founder and CEO of The Brainy Business, which provides behavioral economics consulting to businesses of all sizes from around the world. (standarddeviationspod.com) The biz Checking in on the state of the Schwab-TDA merger.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Alpha Architect
AUGUST 15, 2022
Using a unique dataset of individual transactions-level data for a universe of U.S. consumer facing stocks, we examine the information content of consumer credit and debit card spending in explaining future stock returns. Our analysis shows that consumer spending data positively predict various measures of a company’s future earnings surprises up to three quarters in the future.
Nationwide Financial
AUGUST 15, 2022
Every day, around 10,000 members of the Baby Boomer Generation turn age 65, 1 which is generally the age they become eligible for Medicare. 2 Often, this is the first time that many Baby Boomers realize that decisions around Medicare aren’t just medical decisions; Medicare decisions also have significant financial implications. Once individuals come to this realization, they will turn to the financial professionals on whom they depend to help make sense of Medicare and in turn help them make fin
NAIFA Advisor Today
AUGUST 15, 2022
When Ryan Mulholland was young, his father told him that he should sell insurance. But it would take years of hard work—and no small amount of serendipity—for him to begin his career as an insurance agent. Now in his second year as a State Farm agent, he loves his work because he helps protect families every day.
Sara Grillo
AUGUST 15, 2022
In this savage, take-no-prisoners debate, Igor Smolyanskiy, Michael Kotarinos, Scott Salaske and I debate whether or not direct indexing is worth it. Pull up a chair and get ready to rumble! But first! For those of you who are new to my blog, my name is Sara. I am a CFA® charterholder and financial advisor marketing consultant. I have a newsletter in which I talk about financial advisor lead generation topics which is best described as “fun and irreverent.
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As we step into 2024, the lending landscape evolves rapidly with technology, regulations, and market dynamics driving change. For banks and financial institutions to stay competitive and meet the evolving needs of their customers, these drivers must be understood and engaged with. Lenders can anticipate significant transformation fueled by technological advancements, regulatory shifts, and changing consumer behaviors.
Wealth Management
AUGUST 15, 2022
Faropoint, which was launched in Tel Aviv 10 years ago, is expanding into new markets in the U.S. and accessing new types of investors with its focus on smaller last-mile facilities in growing urban markets.
Financial Symmetry
AUGUST 15, 2022
If you have received a diagnosis of advanced stage cancer or another terminal illness, first, we are very sorry to hear that you are going through this. Feelings of overwhelm, fear, panic and anger are all normal during this time. … Continued. The post Terminal Illness Checklist appeared first on Financial Symmetry, Inc.
Wealth Management
AUGUST 15, 2022
The CDC’s relaxed guidelines on COVID could help spur more workers to return to offices, according to The Wall Street Journal. The CRE industry is largely dismissing rising anti-ESG rhetoric, reports Bisnow. These are among today’s must reads from around the commercial real estate industry.
Calculated Risk
AUGUST 15, 2022
These indicators are mostly for travel and entertainment. It is interesting to watch these sectors recover as the pandemic subsides. Notes: I've added back gasoline supplied to see if there is an impact from higher gasoline prices. -- Airlines: Transportation Security Administration -- The TSA is providing daily travel numbers. This data is as of August 14th.
Speaker: Joe Buhrmann, MBA, CFP®, CLU®, ChFC® Senior Financial Planning Practice Management Consultant eMoney Advisor
During an era of evolving consumer preferences, the banking sector is undergoing a profound shift. As customers continue to broaden their perspectives, banking professionals must support their customers' financial wellness by providing holistic financial advice that aligns with individual goals and circumstances. Without adapting, financial institutions will find that loyalty may crumble amid uncertainty.
Wealth Management
AUGUST 15, 2022
A debate inside Wells Fargo over what to do with the mortgage franchise has been heating up for months, with a consensus starting to take shape in recent weeks.
Calculated Risk
AUGUST 15, 2022
Note: This is as of July 31st. From the MBA: Share of Mortgage Loans in Forbearance Decreases to 0.74% in July The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 7 basis points from 0.81% of servicers’ portfolio volume in the prior month to 0.74% as of July 31, 2022.
Wealth Management
AUGUST 15, 2022
Some advisors who have built their practices on ETFs and mutual funds have never experienced a market correction like the one we are in now.
XY Planning Network
AUGUST 15, 2022
6.5 MIN READ. The notice for an upcoming regulatory examination. It’s the call that an advisor always dreads. It can evoke a certain amount of nerves on its own (especially if it’s your first time!) Double that stress if you are not well organized. Let’s dive into several ways to keep your compliance organized beyond the filing cabinet.
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Digital platforms can provide you with plenty of solutions, yet many are still intimidated by them. It's time to end that worry and embrace what could make a major difference for your bank. Understanding how they work and how to best utilize them for your banks is key toward success. In this article, Biz2X breaks down all things digital platforms, including the many advantages of embracing them.
Clever Girl Finance
AUGUST 15, 2022
Learning how to ace an interview is no simple task. It’s more than answering a few questions and showing up well-dressed. In order to ace an interview, you need preparation, strategy, and a little bit of charm. If you’ve got an interview that's lined up or just want to get ahead of the hiring process , here's how to ace a job interview! Days before the interview.
Wealth Management
AUGUST 15, 2022
Investors say sticking with the traditional investment mix should work, even as it’s currently generating losses.
Clever Girl Finance
AUGUST 15, 2022
On your road to building financial wealth and developing your financial wellness, one of the most important things to remember is to diversify, diversify, diversify. This includes broadening your investment portfolio to include highly liquid investments. Not sure where highly liquid investments have a place in your portfolio? Here’s your primer on the subject, along with some of your best options to consider to get started!
Wealth Management
AUGUST 15, 2022
If changing firms made sense to these billion-dollar-plus advisors, what lessons can be learned by those who manage less but aspire for more?
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All accounting teams know what it is like to dread the inevitable month-end scaries. If there was a way to feel less burdened and maybe even a little enthusiastic to work on your month-end close and reconciliation process, would you do it? No, don't answer that, of course you would! Automate your month-end close process by up to 40% with SkyStem's ART and see how much more alive you feel!
Clever Girl Finance
AUGUST 15, 2022
This article on Chanel classic flap bag sizes contains affiliate links to Fashionphile, a brand we trust. If you make a purchase using this link we may earn a small commission. This helps us grow and keep our content free. Are you in the market for a spectacular Chanel classic flap bag? Deciding to purchase one is only the first step. Next, there's deciding which of the Chanel classic flap sizes to choose.
Wealth Management
AUGUST 15, 2022
Broad-based utility ETFs often look alike; factor exposures reveal real differences.
Clever Girl Finance
AUGUST 15, 2022
If you and your spouse have argued about money, you aren't the only ones. In fact, finances in marriage are one of the leading causes of divorce in America. Couples may have conflicting money views, which leads to a lot of problems. For example, one person might spend money recklessly while the other is thrifty. A difference in world views can have a devastating impact.
Cornerstone Financial Advisory
AUGUST 15, 2022
Presented by Cornerstone Financial Advisory. An improving inflation outlook buoyed investors’ spirits last week, helping lift stocks to solid gains. The Dow Jones Industrial Average advanced 2.92%, while the Standard & Poor’s 500 rose 3.26%. The Nasdaq Composite index added 3.08% for the week. The MSCI EAFE index, which tracks developed overseas stock markets, gained 2.39%. 1,2,3.
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Creating a winning digital lending experience requires plenty of focus on the needs of customers and more. Biz2X Chief Product Officer Aaron Traub covers everything from how to create such an experience, areas to hone in on, pitfalls to avoid, and plenty more in this insightful article. Discover how to utilize new technology without alienating existing customers, what to emphasize when working on your platform, and how to utilize the data at your disposal while not becoming overly reliant on it.
Trade Brains
AUGUST 15, 2022
Top Stocks Under Rs 20: The headline reads, “Dolly Khanna’s portfolio penny-stock turns multi-bagger”. Or it may be, “XYZ stock with price less than Rs. 20 per share becomes Rs. 200.” We realise after reading the news that it is no longer a penny stock it was. You may be a novice investor hoping to buy low-quotation stocks or a value-hunter among small-caps.
Calculated Risk
AUGUST 15, 2022
From Matthew Graham at Mortgage News Daily: Mortgage Rates Slightly Lower to Begin The Week After rising above 6% in June and falling briefly below 5% by August 1st, mortgage rates have been calming down and staying slightly flatter in the big picture. Last week's highest levels were seen on Thursday afternoon or Friday morning depending on the lender.
Nationwide Financial
AUGUST 15, 2022
Thoughts. Equity markets continue their impressive rebound, with the S&P 500® Index on a four-week winning streak (longest since November) and has now regained more than half of the year-to-date loss since mid-June. The technicals of the market have sharply reversed, with more than 90% of the S&P 500 companies above their 50-day moving average (best since April 2021), less than two months after 90% were below, a historically strong omen for forward returns.
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