The Big Picture

FEBRUARY 10, 2023

I get too many emails. So much so that I had to set up separate email addresses for things like subscriptions, etc. I am impressed with the overall quality of Substacks I receive; I have a few favorites that I never miss. But it hass become too easy to add another, and they all it piled up in my inbox, looking a little too much like homework. It recently got worse: I have noticed how many of my subscription emails in the inbox (see above) are now Substacks.

Media 278

Media Management 278

Wealth Management

FEBRUARY 10, 2023

Opto lands partnership with Merchant Investment Management for private markets access, while Pontera and IMTC announce new relationships.

Investing 246

Investing Investments Management Marketing 246

Nerd's Eye View

FEBRUARY 10, 2023

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that according to CFP Board leaders, “everything is on the table” when it comes to the organization’s announced competency standards review. Among others, one notable item that could be reviewed is the current certification requirement that a candidate must have attained at least a bachelor’s degree, which some observers have suggested

Financial Planner 246

Financial Planner CFP Certification Retirement Planning 246

Wealth Management

FEBRUARY 10, 2023

A federal court found New York-based Adam Belardino guilty of embezzlement and defrauding several investors, as well as employees at his firm in a series of schemes.

246

246

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Clients

Calculated Risk

FEBRUARY 10, 2023

The first graph shows the unemployment rate by four levels of education (all groups are 25 years and older) through January 2023. Note: This is an update to a post from a few years ago. Unfortunately, this data only goes back to 1992 and includes only three recessions (the stock / tech bust in 2001, and the housing bust/financial crisis, and the 2020 pandemic).

Education 245

Education 245

Wealth Management

FEBRUARY 10, 2023

Much like with clients' physical health, providing ongoing and preventative care to their finances helps improve their lives.

Clients 246

Clients 246

Wealth Management

FEBRUARY 10, 2023

The CEO and co-founder of Lumiant talks about what is driving innovation around advice engagement.

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246

Abnormal Returns

FEBRUARY 10, 2023

Strategy A look at long term, 10, 20, 30 year, stock market returns. (awealthofcommonsense.com) How paradigm shifts happen in markets. (mrzepczynski.blogspot.com) Finance A couple of deals this week highlight a thaw in the IPO market. (cnbc.com) How much headway can startups make in the corporate credit card space? (thebasispoint.com) Big banks are struck with their trading businesses.

Planning 243

Planning Financial Advising Startup Media 243

Wealth Management

FEBRUARY 10, 2023

A federal court found New York-based Adam Belardino guilty of embezzlement and defrauding several investors, as well as employees at his firm in a series of schemes.

246

246

The Big Picture

FEBRUARY 10, 2023

My end-of-week morning train WFH reads: • Inside Wall Street’s gloom-and-doom racket: If an ‘expert’ is warning you that the market is about to crash, check their math : Admittedly, stocks haven’t done well over the last year, but instead of providing clients and the general public with clear-eyed views, a new ecosystem of hackneyed, alarmist analysts is relying on low-quality data to push people away from steady investments into an alternative ecosystem of products of du

Math 173

Math Engineering Manufacturing Investing 173

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.

Management

Wealth Management

FEBRUARY 10, 2023

The insurance company may be allowed to alter the deal during the contracted term.

Insurance 246

Insurance 246

Calculated Risk

FEBRUARY 10, 2023

It is very early in the quarter and some tracking estimates will start next week. It looks like Q4 GDP will be revised up in the second estimate to be released on February 23rd. From BofA: Data released since our last weekly lowered our 4Q tracking estimate by 0.1ppt to 3.2% q/q saar. Looking ahead to next week, we will start our tracker for 1Q US GDP with the January retail sales report.

Retail 130

Retail Sales 130

Wealth Management

FEBRUARY 10, 2023

Hightower and Wealth Enhancement Group added AUM this week, and new executives were named at Arkadios Capital and Kornitzer Capital Management.

Management 245

Management 245

Calculated Risk

FEBRUARY 10, 2023

Today, in the Calculated Risk Real Estate Newsletter: Net Immigration and Household Formation An excerpt: A key theme has been that household formation surged during the pandemic and has slowed recently. This surge in household formation increased demand for homeownership and for rental units - pushing up both house prices and rents. The recent slowdown in household formation has lowered demand, and we are already seeing this with falling asking rents.

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130

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.

Numbers

Wealth Management

FEBRUARY 10, 2023

Gerber’s firm, Gerber Kawasaki, holds around 440,000 Tesla shares as of December 31.

Planning 244

Planning 244

A Wealth of Common Sense

FEBRUARY 10, 2023

John Burns shared a great chart recently that shows how new homes priced below $200,000 have gone from more than 40% of the market in 2010 to 0% today: At the same time, sales of homes going for half a million dollars or more has shot up from less than 10% to nearly 40% of the new homes market. I understand why first-time homebuyers are so angry. This isn’t great for all of the millennials out there looking to buy.

Sales 120

Sales Marketing Marketing 120

Wealth Management

FEBRUARY 10, 2023

Three tried-and-true best practices to get more clients.

Clients 147

Clients 147

Alpha Architect

FEBRUARY 10, 2023

Given that valuations provide information on equity returns, it should not be surprising to learn that valuation spreads provide information on future factor premiums. <strong>Factor Returns and the Information in Valuation Spreads</strong> was originally published at Alpha Architect. Please read the Alpha Architect disclosures at your convenience.

Valuation 109

Valuation Investing Investments 109

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.

Accounting

Clever Girl Finance

FEBRUARY 10, 2023

It’s natural to worry and stress over things that happen, whether related to our relationships, career, or personal finances. When things aren’t happening the way we want them to, we often worry and stress over things that just simply aren’t in our control. Thankfully, there’s another way, and it's called trusting the process. But what does it mean to trust the process?

Budgeting 105

Budgeting Planning Accounting Investing 105

Alpha Architect

FEBRUARY 10, 2023

Standardized Performance Factor Performance Factor Exposures Factor Premiums Factor Attribution Factor Data Downloads Global Factor Performance: February 2023 was originally published at Alpha Architect. Please read the Alpha Architect disclosures at your convenience.

Asset Allocation 102

Asset Allocation Assets Investing Investments 102

Good Financial Cents

FEBRUARY 10, 2023

Table of Contents 23 Ways How to Make $200 FAST Sell Services as a Freelancer 1. Freelance Writing 2. Ghostwriting 3. Tutoring 4. Teaching English as a Second Language 5. Babysitting 6. Eldercare 7. Social Media Manager 8. Become a Virtual Assistant 9. Become an Online Transcriptionist 10. Become a Facebook Marketer 11. Food or Package Delivery 12. Become a Substitute Teacher Become a Part-time Entrepreneur 13.

Advertising 102

Advertising Media Food Management 102

MarketWatch

FEBRUARY 10, 2023

Ailing home-goods retailer Bed Bath & Beyond Inc. BBBY will shut down its several-dozen stores in Canada, after concluding that it doesn’t have the resources to shore up both its business there and in the U.S., the Wall Street Journal reported on Friday. The chain had sought protection for the stores in Canada under the Canadian equivalent of chapter 11 bankruptcy, the Journal said.

Retail 98

Retail Marketing Marketing 98

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Accounting

Clever Girl Finance

FEBRUARY 10, 2023

Like many, you might shudder at the word budget. Perhaps it sounds too boring or challenging to figure out. But the 50-30-20 budget and the 50-30-20 budget template prove it doesn't have to be difficult. A budget plans out exactly how you'll use your money and this can be tailored to suit your specific lifestyle and situation. If you're looking to simplify your budgeting process or are new to budgeting, then this might be the perfect match.

Budgeting 98

Budgeting Taxes Transportation Healthcare 98

MarketWatch

FEBRUARY 10, 2023

President Joe Biden plans to visit Poland on Feb. 20-22, White House press secretary Karine Jean-Pierre said Friday. As part of that trip, she said Biden will "deliver remarks ahead of the one-year anniversary of Russia's brutal and unprovoked invasion of Ukraine, addressing how the United States has rallied the world to support the people of Ukraine as they defend their freedom and democracy -- and how we will continue to stand with the people of Ukraine for as long as it takes.

Planning 98

Planning Marketing Marketing 98

Brown Advisory

FEBRUARY 10, 2023

Equity Beat: Will January Set the Course For 2023? mhannan Fri, 02/10/2023 - 13:13 Let’s face it, folks: one month is just a speck of dust in relation to the multi-century history of the stock market. In fact, we tend to measure the performance of our internal strategies over three, five and ten-year periods, and sometimes even longer. Still, I would be remiss not to highlight an unexpectedly positive January to start the year, and perhaps even set the course for equity markets in 2023.

Clients 98

Clients Economy Investing Investments 98

MarketWatch

FEBRUARY 10, 2023

U.S. stocks opened lower Friday, as investors await data on consumer sentiment and inflation expectations as well as remarks from Federal Reserve officials. The Dow Jones Industrial Average dipped slightly soon after the opening bell before trading about flat, while the S&P 500 was down 0.2% and the Nasdaq Composite dropped 0.5%, according to FactSet data, at last check.

Marketing 98

Marketing Marketing 98

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Sales

Integrity Financial Planning

FEBRUARY 10, 2023

When it comes to passing on your wealth to your family, it is important to know the best ways to manage the process. An estimated 90% of wealthy families lose their wealth by the third generation, so if you are planning on leaving behind assets to your family, knowing the unique risks to the affluent investor and considering strategies to maintain your wealth within your family can be very beneficial. [1] However, wealth transfer is not just for the wealthy; it’s for everyone with something to l

Estate Planning 95

Estate Planning Communication Financial Planning Education 95

MarketWatch

FEBRUARY 10, 2023

The Japanese yen surged by nearly 0.8% against the dollar on Friday, after a report in the Nikkei financial newspaper reported an academic was to be appointed for the top job at the Bank of Japan.In an unexpected move, the central bank plans to appoint economist and former BOJ policy board member Kazuo Ueda to replace Gov. Haruhiko Kuroda, the Nikkei reported, citing sources.

Banking 98

Banking Financial Services Government Planning 98

Advisor Perspectives

FEBRUARY 10, 2023

The asset management industry is infected with buzzwords. Nowhere is that more obvious than in technology. Advisors are confronted with an array of labels like innovation, disruption, AI and deep learning. My guest is here to explain how providers of thematic technology ETFs are abusing industry buzzwords. You will learn how to inspect an ETF to prevent being victimized by “techwashing” – throwing buzzword labels on investment products with the goal of improving their marketing

Assets 92

Assets Management Investing Investments 92

MarketWatch

FEBRUARY 10, 2023

Shares of Tesla Inc. TSLA were suffering a rare loss in premarket trading Friday, as a lower close would only be the second decline in 16 sessions. The electric vehicle maker’s stock was down 2.2% ahead of the open, after running up 24.4% amid an 8-day win streak through Thursday, and after soaring 63.0% over a 15-day stretch in which it gained 14 times.

Marketing 75

Marketing Marketing 75

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Accounting