Calculated Risk
FEBRUARY 13, 2025
From the NY Fed: Household Debt Balances Continue Steady Increase; Delinquency Transition Rates Remain Elevated for Auto and Credit Cards The Federal Reserve Bank of New Yorks Center for Microeconomic Data today issued its Quarterly Report on Household Debt and Credit. The report shows total household debt increased by $93 billion (0.5%) in Q4 2024, to $18.04 trillion.
Abnormal Returns
FEBRUARY 13, 2025
Books An excerpt from Yoni Appelbaums new book, "Stuck: How the Privileged and the Propertied Broke the Engine of American Opportunity." (theatlantic.com) An excerpt from "Humans: A Monstrous History" by Surekha Davies. (lithub.com) An excerpt from "The Technological Republic: Hard Power, Soft Belief, and the Future of the West" by Alexander C. Karp and Nicholas W.
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Calculated Risk
FEBRUARY 13, 2025
The DOL reported : In the week ending February 8, the advance figure for seasonally adjusted initial claims was 213,000, a decrease of 7,000 from the previous week's revised level. The previous week's level was revised up by 1,000 from 219,000 to 220,000. The 4-week moving average was 216,000, a decrease of 1,000 from the previous week's revised average.
Wealth Management
FEBRUARY 13, 2025
The consultancy projects independent RIAs to grow 4% annually through 2028, with insurance broker/dealer advisors seeing the most attrition with 2.6% annual declines.
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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
Calculated Risk
FEBRUARY 13, 2025
Today, in the Calculated Risk Real Estate Newsletter: Part 2: Current State of the Housing Market; Overview for mid-February 2025 A brief excerpt: Earlier this week, in Part 1: Current State of the Housing Market; Overview for mid-February 2025 I reviewed home inventory, housing starts and sales. In Part 2, I will look at house prices, mortgage rates, rents and more.
Wealth Management
FEBRUARY 13, 2025
iMessage isnt going anywhere, and neither are the regulators. Here's how financial advisors can stay compliant.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Wealth Management
FEBRUARY 13, 2025
At its core, estate planning is about deep, enduring lovethe kind that extends beyond Valentine's Day, a single day of chocolates and roses
A Wealth of Common Sense
FEBRUARY 13, 2025
Barry Ritholtz joined me on the show this week to discuss questions about timing market corrections with your savings account, how your portfolio should look heading into retirement, managing your parent’s financial plan and how to force yourself into splurging a little when you have more than enough money. Further Reading: How Much is a 3% Mortgage Worth?
Wealth Management
FEBRUARY 13, 2025
Link Ventures invests another $5 million in artificial intelligence-based prospecting platform Datalign Advisory.
Darrow Wealth Management
FEBRUARY 13, 2025
When starting to search for a financial advisor, investors may not realize the different types of advisors out thereand theyre not all trying to sell you something. If youre looking for a fee-only financial advisor or wealth manager, its probably because you know fee-only advisors don’t sell products. Finding the right financial advisor is so important.
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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
FEBRUARY 13, 2025
Use of active ETFs when constructing portfolios rose to 40% of advisors at the end of 2024, up from 13% in 2022. Strategic beta products and liquid alts are also on the rise.
Calculated Risk
FEBRUARY 13, 2025
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Friday: At 8:30 AM ET, Retail sales for January is scheduled to be released. The consensus is for a no change in retail sales. At 9:15 AM, The Fed will release Industrial Production and Capacity Utilization for January. The consensus is for a 0.3% increase in Industrial Production, and for Capacity Utilization to increase to 77.7%.
Wealth Management
FEBRUARY 13, 2025
Understanding the options financial advisors have to support your clients largest investment asset, 401(k) retirement accounts.
Carson Wealth
FEBRUARY 13, 2025
Each year it is important to review your plan to ensure you are taking advantage of all the tax breaks and incentives available to you. Annual inflation adjustments and new laws create opportunities to save for retirement or reduce your tax bill. To help you make the best decisions regarding your taxes, retirement savings, and charitable giving, here are a few of the common planning opportunities and current tax benefits to consider as you update your plans for this year.
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
FEBRUARY 13, 2025
Sweet Financial Partners' Bryan Sweet shares his business growth story, starting with 32 years under Raymond James' broker/dealer, then as an RIA, and most recently selling to Carson Wealth.
FMG
FEBRUARY 13, 2025
Client events are evolving in 2025, offering unparalleled opportunities to connect with clients, strengthen relationships, and drive quality leads. Whether youre hosting virtual webinars or in-person gatherings, the right approach can transform your client event into a lead-generating, referral powerhouse. In this guide, well walk you through actionable strategies, creative ideas, and promotion tips to ensure every event you plan is a success.
Wealth Management
FEBRUARY 13, 2025
Firms operating in multiple countries must also manage their data estates in compliance with many different data-related regulations.
FMG
FEBRUARY 13, 2025
Client events are evolving in 2025, offering unparalleled opportunities to connect with clients, strengthen relationships, and drive quality leads. Whether youre hosting virtual webinars or in-person gatherings, the right approach can transform your client event into a lead-generating, referral powerhouse. In this guide, well walk you through actionable strategies, creative ideas, and promotion tips to ensure every event you plan is a success.
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
FEBRUARY 13, 2025
Kabir Sethi, a veteran industry executive, who spent two years at LPL and a much longer stint at Merrill Lynch, is joining the board of AI startup Zeplyn
Alpha Architect
FEBRUARY 13, 2025
The following guest piece outlines the SIMPLE framework (SIMPLE) for making better decisions. SIMPLE was developed by a Navy SEAL with combat and business experience. An application of the SIMPLE framework, applied to financial advisors, is at the end of the piece. A Navy SEAL says Making Better Decisions is SIMPLE. was originally published at Alpha Architect.
Validea
FEBRUARY 13, 2025
While technology stocks have experienced remarkable momentum and appreciation in recent market cycles, savvy investors recognize that opportunities for value still exist within this dynamic sector. The key lies in looking beyond surface-level market movements to identify companies with robust fundamentals. Using Validea’s comprehensive analytical framework, which evaluates stocks through the lens of 22 distinct investment strategies pioneered by some of the most successful investors in his
Advisor Perspectives
FEBRUARY 13, 2025
Household debt increased by $93 billion (0.52%) in Q4 2024, reaching $18.04 trillion. While all debt categories saw quarterly gains, the overall rise was primarily driven by credit card debt.
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.
Alpha Architect
FEBRUARY 13, 2025
The following guest piece outlines the SIMPLE framework (SIMPLE) for making better decisions. SIMPLE was developed by a Navy SEAL with combat and business experience. An application of the SIMPLE framework, applied to financial advisors, is at the end of the piece. A Navy SEAL says Making Better Decisions is SIMPLE. was originally published at Alpha Architect.
Advisor Perspectives
FEBRUARY 13, 2025
In the week ending February 8th, initial jobless claims were at a seasonally adjusted level of 213,000. This represents a decrease of 7,000 from the previous week's figure. The latest reading was lower than the 217,000 forecast.
Random Roger's Retirement Planning
FEBRUARY 13, 2025
Yesterday, we mentioned the PIMCO StocksPLUS suite of funds. The PIMCO StocksPLUS Absolute Return Fund seems to play right into what we do here in terms of theoretical portfolio construction. The fund has a bunch symbols, I'm going to go with PSPTX. The fund leverages up 100/100, S&P 500 equities and absolute return. Absolute return can be a nebulous concept but the big idea is a low volatility strategy that maintains a relatively even growth rate no matter what is going on in the world.
Advisor Perspectives
FEBRUARY 13, 2025
Microsoft Corp. is bigger than most countries’ whole stock markets and its bond rating would be the envy of many nations.
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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.
Wealthfront
FEBRUARY 13, 2025
At Wealthfront, we help you build long-term wealth on your own terms. Our investment in technology allows us to build and ship new products and enhancements quickly, which means our offerings get better every year. This was especially true in 2024we launched a new product or feature almost every month of the year, all designed […] The post What We Shipped in 2024 appeared first on Wealthfront Blog.
Advisor Perspectives
FEBRUARY 13, 2025
Investors in America’s biggest company are increasingly focused on China, where Apple Inc. is striving to win over a crucial customer base while also facing tariff-related risks.
Abnormal Returns
FEBRUARY 13, 2025
Markets Want to hedge inflation? Buy stocks. (axios.com) Why investors need to consult primary sources. (newsletter.rationalwalk.com) Finance Why gold traders are shipping bullion from London to New York. (wsj.com) A cool thing about the hedge fund industry is that success comes in a lot of different ways: the case case of QRT. (bloomberg.com) Would you read a sell-side research report written by AI?
Advisor Perspectives
FEBRUARY 13, 2025
Wholesale inflation remained hot in January, rising more than expected. The producer price index for final demand was up 0.4% month-over-month, higher than the 0.3% forecast. On an annual basis, headline PPI increased 3.5%, above the 3.2% forecast.
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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?
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