Calculated Risk
AUGUST 11, 2022
From the MBA: Mortgage Delinquencies Decrease in the Second Quarter of 2022 The delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a seasonally adjusted rate of 3.64 percent of all loans outstanding at the end of the second quarter of 2022, according to the Mortgage Bankers Association’s (MBA) National Delinquency Survey.
Wealth Management
AUGUST 9, 2022
Products like Toggle, though hardly revolutionary, nonetheless represent significant steps forward in improving day-to-day efficiency for advisors.
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The Reformed Broker
AUGUST 8, 2022
Why did the stock market bounce this summer? Everyone has their explanation: The Fed might pivot! Inflation readings have now peaked! Oil prices are down 25%! China is ending the lockdowns! The labor market is staying strong! Earnings are still coming in better than expected! All true. But there’s an even better reason that doesn’t invalidate any of the ones I’ve posted above.
The Big Picture
AUGUST 10, 2022
Barry Ritholtz, Ritholtz Wealth Management Chairman and CIO & “Masters in Business” host, discusses recession risk and inversion of the 2-year/10-year curve. US Economy Facing Growth Recession. ?. Source: Bloomberg , August 9th, 2022. See also : Blame Election Deniers for Faltering Consumer Sentiment. by Matthew A. Winkler. Bloomberg, August 8, 2022.
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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
Calculated Risk
AUGUST 10, 2022
From the BLS : T he Consumer Price Index for All Urban Consumers (CPI-U) was unchanged in July on a seasonally adjusted basis after rising 1.3 percent in June, the U.S. Bureau of Labor Statistics reported today. Over the last 12 months, the all items index increased 8.5 percent before seasonal adjustment. The gasoline index fell 7.7 percent in July and offset increases in the food and shelter indexes, resulting in the all items index being unchanged over the month.
Wealth Management
AUGUST 9, 2022
Like it or not, you are in the digital space. Here’s how to start using it to your advantage.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
The Big Picture
AUGUST 8, 2022
My back-to-work morning train WFH reads: • The Metaverse Real Estate Boom Turns Into a Bust : The metaverse is in the midst of a real estate meltdown. Sales volumes and average prices for virtual land have plunged this year, part of a broader slide in crypto and non-fungible token prices. Soaring interest in virtual property spawned an industry that mirrors traditional commercial real estate—buyers develop land by adding virtual storefronts, and then sell or rent it to companies looking to set u
Calculated Risk
AUGUST 8, 2022
Inventory is still increasing, but the inventory build has slowed. Here are the same week inventory changes for the last four years: 2022: 5.0K 2021: 4.5K 2020: -14.0K 2019: -6.4K Inventory bottomed seasonally at the beginning of March 2022 and is now up 126% since then. Altos reports inventory is up 32.1% year-over-year and is now 24.4% above the peak last year.
Wealth Management
AUGUST 8, 2022
The strongest providers with the best talent, distribution and technology are and will be ones that offer wealth and benefit services to participants.
Abnormal Returns
AUGUST 7, 2022
Fund management The Vanguard Total Bond Market ETF ($BND) is set to become the biggest bond ETF. (ft.com) Four big trends in the asset management have been in place for a decade. (morningstar.com) Corporate governance only works if shares actually get voted. (etftrends.com) Coinbase How Coinbase ($COIN) lost its big lead to FTX and Binance. (nytimes.com) Why the Coinbase ($COIN)-Blackrock ($BLK) agreement is a big deal.
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.
The Big Picture
AUGUST 11, 2022
My morning train WFH reads: • Private Equity Doesn’t Want You to Read This : Not only do private equity partners make money even if their companies blow up; they also get a pretty good deal from the government on what they earn. Private equity funds generally charge their investors two different fees: a management fee of 2 percent of invested assets per year (funds are held for an average of about six years), and a “carried interest” fee that is 20 percent of any investment gains realized in the
Calculated Risk
AUGUST 9, 2022
From Dodge Data Analytics: Dodge Momentum Index Moves Higher In July The Dodge Momentum Index (DMI) increased 2.9% in July to 178.7 from the revised June figure of 173.6. The Momentum Index, issued by Dodge Construction Network, is a monthly measure of the initial report for nonresidential building projects in planning. The index is shown to lead construction spending for nonresidential buildings by a full year.
Wealth Management
AUGUST 9, 2022
Cap rates on suburban garden apartments fell below rates for mid-rise and high-rise multifamily properties during the second quarter, according to recent data from MSCI-Real Estate.
Nerd's Eye View
AUGUST 8, 2022
Good marketing based on using impactful messages for consumers is a foundational element for many types of businesses that allows companies to define and convey their unique value. For financial advisors, effective messaging often tells the story of how their advisory practice serves clients, with the intent to resonate with the audience and inspire them to engage with the firm.
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.
The Big Picture
AUGUST 6, 2022
The weekend is here! Pour yourself a mug of Volcanica coffee, grab a seat by the pool, and get ready for our longer-form weekend reads: • Is Scott Galloway the Howard Stern of the Business World? The professor and podcaster aspires to be an influential thought leader. But his appeal to a mostly male fan base is about more than just his prognostications. ( New York Times ). • Venture capital’s silent crash: when the tech boom met reality Investors of all stripes have crashed the clubby world of V
Calculated Risk
AUGUST 10, 2022
The BLS reported this morning: The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased 9.1 percent over the last 12 months to an index level of 292.219 (1982-84=100). For the month, the index declined 0.1 percent prior to seasonal adjustment. CPI-W is the index that is used to calculate the Cost-Of-Living Adjustments (COLA).
Wealth Management
AUGUST 7, 2022
Campus Apartments sees now as a time to strike to achieve strong risk-adjusted returns in the student housing space.
Nerd's Eye View
AUGUST 12, 2022
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that the U.S. Senate has passed the Inflation Reduction Act, which while being light on individual tax changes, nevertheless includes some important financial planning provisions such as prescription drug price relief for Medicare enrollees, continuation of expanded Affordable Care Act healthcare premium subsidies, and tax credits for energy efficiency upgrade
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.
Abnormal Returns
AUGUST 9, 2022
Cryptocurrencies A study of the personality traits of cryptocurrency buyers. (evidenceinvestor.com) On the flaws of the Bitcoin model, at scale. (papers.ssrn.com) Research Is it possible to identify when momentum crashes are more likely to happen? (alphaarchitect.com) Why does trend following work better in a high inflation regime? (mrzepczynski.blogspot.com) There's not much to see in tactical asset allocation ETF performance.
Calculated Risk
AUGUST 8, 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 7th.
Wealth Management
AUGUST 10, 2022
Single stock ETFs may be a case of the wrong thing done for the wrong reason, writes Dimensional's head of investment strategies.
Nerd's Eye View
AUGUST 9, 2022
Welcome back to the 293rd episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Anna N’Jie-Konte. Anna is the founder of Dare to Dream Financial Planning, an independent RIA based in New York City that has grown to more than $400,000 of annual revenue in barely 3 years by building a focused base of 32 ongoing clients coupled with more than a dozen project-based planning clients who go through a one-day financial planning intensive.
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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.
The Big Picture
AUGUST 6, 2022
?. This week, we speak with Anat Admati, a professor of finance and economics at the Stanford Graduate School of Business. She specializes in corporate governance and regulations. In addition to being a senior fellow at the Stanford Institute for Economic Policy Research and a director at the Corporations and Society Initiative, Admati is co-author of “ The Bankers’ New Clothes: What’s Wrong with Banking and What to Do about It with Martin Hellwig.
Calculated Risk
AUGUST 10, 2022
Today, in the Calculated Risk Real Estate Newsletter: Homebuyers Hit Brakes in July, Sellers Hold Back A brief excerpt: The big story for July existing home sales is the sharp year-over-year (YoY) decline in sales. Another key story is that new listings are down YoY in July. Of course, active listings are up sharply. Notes for all tables: 1. New additions to table in BOLD. 2.
Wealth Management
AUGUST 11, 2022
The former Reynolds Investment Management will partner under the Captrust banner with a Greenville, S.C. team acquired last year.
Nerd's Eye View
AUGUST 8, 2022
Good marketing based on using impactful messages for consumers is a foundational element for many types of businesses that allows companies to define and convey their unique value. For financial advisors, effective messaging often tells the story of how their advisory practice serves clients, with the intent to resonate with the audience and inspire them to engage with the firm.
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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?
Pragmatic Capitalism
AUGUST 10, 2022
Here are some things I think I am thinking about: 1) Inflation has peaked. This morning’s CPI report is more evidence that disinflation is going to become a more prolonged [ … ].
Calculated Risk
AUGUST 11, 2022
Today, in the Calculated Risk Real Estate Newsletter: Current State of the Housing Market A brief excerpt: This is a market overview for mid-August. The early local market reports for July show inventory up over 46% YoY for these markets! These same markets were up 20% YoY in May, so the NAR report for July will show further increases in inventory. It is important to realize inventory is both increasing and still very low.
Wealth Management
AUGUST 11, 2022
The Cleveland-based acquisition strengthens MAI’s foothold in Northeast Ohio as it continues efforts to add new capabilities.
Nerd's Eye View
AUGUST 11, 2022
Many clients seek financial advisors for their expertise and their abilities to guide them through financial decisions. However, for some clients, the ambiguity that inevitably arises from uncertain outcomes can be very distressing, especially when it comes to investments during volatile times. While these clients may have general concerns about their financial future, their concerns may also be in reaction to messaging from other sources that guarantee (unrealistically) low or even ‘no-ri
Speaker: Aaron Berson
Managing spend is more than a cost cutting exercise – it's a pathway to smarter decisions that unlock efficiency and drive growth. By understanding and refining the spending process, financial leaders can empower their organizations to achieve more with less. Explore the art of balancing financial control with operational growth. From uncovering hidden inefficiencies to designing workflows that scale your business, we’ll share strategies to align your organization’s spending with its strategic g
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