Calculated Risk
JANUARY 19, 2023
The DOL reported : In the week ending January 14, the advance figure for seasonally adjusted initial claims was 190,000 , a decrease of 15,000 from the previous week's unrevised level of 205,000. The 4-week moving average was 206,000, a decrease of 6,500 from the previous week's unrevised average of 212,500. emphasis added The following graph shows the 4-week moving average of weekly claims since 1971.
Wealth Management
JANUARY 19, 2023
The New Zealand-based wealth management firm looks to further extend its reach into the North American market.
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The Big Picture
JANUARY 19, 2023
Last year, we hosted the first Future Proof conference , and it was. The reviews were fabulous: Morningstar , L.A. Times , Investment News , Financial Planning , RIA Biz , Think Advisor , Business Insider ; Afterward, I told you the traditional financial conference was kaput. Attendees from all over the country (and the world!) came to discuss the most important issues surrounding advising clients.
Calculated Risk
JANUARY 19, 2023
From the Census Bureau: Permits, Starts and Completions Housing Starts: Privately‐owned housing starts in December were at a seasonally adjusted annual rate of 1,382,000. This is 1.4 percent below the revised November estimate of 1,401,000 and is 21.8 percent below the December 2021 rate of 1,768,000. Single‐family housing starts in December were at a rate of 909,000; this is 11.3 percent above the revised November figure of 817,000.
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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
Wealth Management
JANUARY 19, 2023
Morningstar looks at the pros and cons of investing in REITs vs. directly into properties. Bisnow examines who has been buying old office buildings over the past year. These are among today’s must reads from around the commercial real estate industry.
Calculated Risk
JANUARY 19, 2023
This was written in 2014, but I never published it! A short comment on "short memories". Voters have "short memories". Sometimes "short memories" are good. Albert Schweitzer once said, "Happiness is nothing more than good health and a bad memory". Many people think having a short memory is helpful in sports (not letting previous failures bother you) and in life (forgetting bad things and / not holding a grudge / letting go).
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Calculated Risk
JANUARY 19, 2023
Today, in the CalculatedRisk Real Estate Newsletter: December Housing Starts: Record Number of Housing Units Under Construction Excerpt: Possibly Important: Multi-family permits averaged 536,000 SAAR over the last two months after averaging close to 650,000 SAAR over the previous 8 months. This decline in permits is a possible signal that the expected decline in multi-family starts has begun (although permits aren’t a perfect leading indicator for starts).
Wealth Management
JANUARY 19, 2023
Matt Picheny has built a Sun Belt multifamily portfolio and generated healthy returns for passive real estate investors.
Calculated Risk
JANUARY 19, 2023
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Friday: • At 10:00 AM ET, Existing Home Sales for December from the National Association of Realtors (NAR). The consensus is for 3.95 million SAAR, down from 4.09 million.
Wealth Management
JANUARY 19, 2023
The leader of one of the top brokerage firms in the wealth management world, Andy Sieg, president of Merrill Lynch Wealth Management, joins the show for a candid one-on-one interview with Mindy Diamond.
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.
Abnormal Returns
JANUARY 19, 2023
Markets Is this a new bull market? Hold on. (theirrelevantinvestor.com) When it comes to active management, hope springs eternal. (on.ft.com) Ashby Monk, “The Swensen model is the Swensen model because of leadership.That human being had the drive to take all of these inputs and drivers and build the Yale Model.” (institutionalinvestor.com) Finance When will VCs deploy all their 'dry powder'?
Wealth Management
JANUARY 19, 2023
The total number of CFP professionals topped 95,000 for the first time. While the percentage of women and racially diverse certificants grew from the previous year, the pool continued to mirror the industry’s diversity as a whole.
Calculated Risk
JANUARY 19, 2023
From Matthew Graham at Mortgage News Daily: Some BIG Changes to Mortgage Costs Were Just Announced In a single moment, the fees for a vast majority of new mortgages in the US have changed. In some cases, the changes are drastic, both for better and worse. Let's break it down. What do you mean by "fees/costs?" This refers to Loan Level Price Adjustments (LLPAs) imposed by Fannie Mae and Freddie Mac (the "agencies"), the two entities that guaranty a vast majority of new mortgages.
Wealth Management
JANUARY 19, 2023
Real estate investment vehicles overseen by KKR and Blackstone have come under pressure in recent months as investors requested their money back beyond limits set by the funds. Blackstone Real Estate Income Trust and Starwood Real Estate Income Trust have said they would limit redemptions, moves that spurred queries by the US Securities and Exchange Commission.
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.
A Wealth of Common Sense
JANUARY 19, 2023
A reader asks: Is it crazy to be 100% in stocks from age 32 to sometime in my 50s for my retirement accounts? And another reader asks a similar question: I don’t get why people work a 30+ year career while investing in stocks only to glide path into a heavier bond allocation around retirement. Why not just stay 100% in stocks, benefit from share price appreciation and collect dividends for life?
Wealth Management
JANUARY 19, 2023
Wednesday, February 01, 2023 | 2:00 PM ET
Advisor Perspectives
JANUARY 19, 2023
A correct, affordable and successful industrial policy would create the conditions in which the U.S. and foreign companies will invest in U.S. re-industrialization in their own self-interest.
Wealth Management
JANUARY 19, 2023
The New Zealand-based wealth management firm looks to further extend its reach into the North American market.
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.
Brown Advisory
JANUARY 19, 2023
Equity Beat: Don't Wait for Earnings to Trough mhannan Thu, 01/19/2023 - 09:59 Welcome to the first edition of the Equity Beat! I am very excited to provide for you a regular cadence of thoughts on equity markets broadly, and individual stocks more specifically, that reflect the conversations, interactions and analyses covered by our Equity Research team.
Wealth Management
JANUARY 19, 2023
The fund has had only one other losing month since its inception in 2019, according to its disclosures. Despite the weak results to end the year, Brookfield REIT still gained 12.7% in 2022. The $2.4 billion fund holds apartment buildings, offices and logistics properties, primarily in the U.S.
Advisor Perspectives
JANUARY 19, 2023
The greatest financial risk for depleting retirement resources is an unexpected and lengthy stay in a long-term healthcare facility.
Wealth Management
JANUARY 19, 2023
Tuesday, January 31, 2023 | 2:00 PM ET
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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.
NAIFA Advisor Today
JANUARY 19, 2023
Reverse mortgage loans are widely misunderstood, and many homeowners and advisors have a strong negative bias against them. Unfortunately, those misconceptions and preconceptions hold back many ideal candidates from ever considering a reverse mortgage. Today’s reverse mortgage loans are not the same as they were even a decade ago, and it is to your advantage as a trusted financial professional to take a fresh look at them, as they can often be a viable solution to many of the financial challenge
Good Financial Cents
JANUARY 19, 2023
A major decision in retirement planning is whether to make pre-tax or Roth (after-tax) 401k contributions. Pre-tax contributions go into your retirement account with money that has not been taxed, and then taxes will be paid when the funds are withdrawn in retirement. With Roth contributions, taxes will be taken from the money prior to placing it in the plan, but it can then be withdrawn tax-free once you retire.
Integrity Financial Planning
JANUARY 19, 2023
Building towards retirement, you have made many financial decisions. Perhaps you maxed out your credit card on clothes in your early 20s or chose the wrong payment plan for your car loan or home mortgage. Regardless, you’ve navigated many financial obstacles and gained wisdom that can now be passed on to your kids and grandchildren. Although money can be a difficult topic to discuss, sharing this wisdom can help future generations make better-informed financial decisions.
Advisor Perspectives
JANUARY 19, 2023
December's ZHVI came in at $357,319, slightly up from the previous month by 0.01% and up 10.8% YoY. After adjusting for inflation, the real figures are -0.77% MoM and 3.02% YoY.
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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?
Norman Marks
JANUARY 19, 2023
I have seen several articles and blog posts lamenting the apparent fact that internal audit teams are not spending a large percentage of their audit plan addressing ESG risks. CIO.
Nationwide Financial
JANUARY 19, 2023
Inflation has slowed for six straight months, an encouraging sign that price pressures are easing. The latest data from the Bureau of Labor Statistics revealed that the inflation rate declined from 7.1% in November to 6.5% in December. While inflation is still too high, the Fed’s aggressive rate increases are having the desired effect. After a tumultuous 2022, there is renewed hope that the economy will continue to stabilize in 2023.
Validea
JANUARY 19, 2023
In this episode, we speak with Smead Capital CEO and Portfolio Manager Cole Smead. Smead Capital has built a strong long-term record using a unique approach to value investing. We take a deep dive into their approach, the key metrics they use and how they think about portfolio construction. We also talk about his favorite investing books, discuss the most important lessons he thinks investors can learn from Warren Buffett and get his take on inflation and how it impacts their process.
Nationwide Financial
JANUARY 19, 2023
Arguably, 2022 was one of the most challenging years for equity and bond investors, but they need to remember that fluctuations in returns are a normal part of the investment process. Maintaining a clear perspective and focusing on long-term goals can help investors effectively navigate periods of market volatility. The chart above highlights how extraordinary the volatility in 2022 was for investors.
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