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Monte Carlo simulations have become the dominant method for conducting financial planning analyses for clients and are a feature of most comprehensive financial planning software programs. By distilling hundreds of pieces of information into a single number that purports to show the percentage chance that a portfolio will not be depleted over the course of a client’s life, advisors often use this data point as the centerpiece when they present a financial plan.
The BEA released the Personal Income and Outlays report for November: Personal income increased $80.1 billion (0.4 percent) in November , according to estimates released today by the Bureau of Economic Analysis. Disposable personal income (DPI) increased $68.6 billion (0.4 percent) and personal consumption expenditures (PCE) increased $19.8 billion (0.1 percent).
This week, we speak with Robert Koenigsberger , the managing partner and chief investment officer of Gramercy Funds Management. A dedicated emerging markets investment manager, Gramercy Funds Management — which Koenigsberger founded in 1998 — now has more than $5 billion dollars in assets under management. We discuss how he first found his way into Emerging Markets Debt back in the 1980s, working in a small EM boutique.
Speaker: Dylan Secrest, Founder of Alamo Innovation and Construction Digital Transformation Consultant
Construction payment workflows are notoriously complex when you consider juggling multiple stakeholders, compliance requirements, and evolving project scopes. Delays in approvals or misaligned data between budgets, lien waivers, and pay applications can grind progress to a halt. The good news? It doesn't have to be this way! Join expert Dylan Secrest to discover how leading contractors are turning payment chaos into clarity using digital workflows, integrated systems, and automation strategies.
Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that Congress appears poised to pass “SECURE Act 2.0”, a series of measures that will have significant impacts on the world of retirement planning. From gradually raising the RMD age to 75 to expanding opportunities to make Roth-style contributions, to increasing the annual limit for Qualified Charitable Distributions, this legislation will likely
From the NAR: Existing-Home Sales Dipped 7.7% in November Existing-home sales declined for the tenth month in a row in November, according to the National Association of REALTORS®. All four major U.S. regions recorded month-over-month and year-over-year declines. Total existing-home sales – completed transactions that include single-family homes, townhomes, condominiums and co-ops – waned 7.7% from October to a seasonally adjusted annual rate of 4.09 million in November.
With property fundamentals in their best shape in quite some time and attractive cap rates, some investors are looking to put their money into shopping and power centers.
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With property fundamentals in their best shape in quite some time and attractive cap rates, some investors are looking to put their money into shopping and power centers.
Avert your eyes! My Sunday morning look at incompetency, corruption and policy failures: • The Meadows Texts: A Plot To Overturn An American Election : TPM Has Obtained Explosive Evidence Uncovered By The January 6 Select Committee. ( Talking Points Memo ). • What Sam Bankman-Fried Got for His Baffling Media Blitz : The disgraced FTX founder didn’t help his case, and he probably made it worse. ( Slate ). • The High Price of Bad Business: Corporate America’s Biggest Settlements : BP’s Deepwater
Welcome back to the 312th episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Emily Rassam. Emily is the Senior Financial Planner for Archer Investment Management, a virtual Independent RIA based in Austin, Texas, that oversees $170 million of assets under management for nearly 170 families. What's unique about Emily, though, is how after struggling for years at a position where responsibilities and pressure kept building (and kept deterring her from being present i
From the Census Bureau: Permits, Starts and Completions Housing Starts: Privately‐owned housing starts in November were at a seasonally adjusted annual rate of 1,427,000. This is 0.5 percent below the revised October estimate of 1,434,000 and is 16.4 percent below the November 2021 rate of 1,706,000. Single‐family housing starts in November were at a rate of 828,000; this is 4.1 percent below the revised October figure of 863,000.
You wouldn’t keep using a 2009 flip phone - so why settle for outdated close processes? It’s time for an upgrade. SkyStem's Guide to Month-End Close Software walks you through what today’s best tools can do (and what your team shouldn’t have to deal with anymore). Get smart, fast, and a whole lot less stressed when it’s time to close the books.
The weekend is here! Pour yourself a mug of Volcanica coffee, grab a seat by the fire, and get ready for our longer-form weekend reads: • Why the Age of American Progress Ended : Invention alone can’t change the world; what matters is what happens next. ( The Atlantic ). • Bored Ape Yacht Club Conquered NFTs. Can It Master the Metaverse Next? Two founders of the Bored Ape Yacht Club talk to CNET about how BAYC became the poster child for NFTs — and what comes next. ( CNET ). • History is i
Books An excerpt from "Wealth, Cost and Price in American Higher Education: A Brief History" by Bruce A. Kimball and Sarah M. Iler. (insidehighered.com) A Q&A with Jess Grose author of "Screaming on the Inside: The Unsustainability of American Motherhood." (annehelen.substack.com) Russia How Putin misjudged the war in Ukraine. (nytimes.com) Russia's mobilization was characterized by poor training an inadequate gear.
From WardsAuto: U.S. Light-Vehicle Sales to Weaken Again in December; Inventory Set to Rise (pay content). Brief excerpt: If Winter Storm Elliott is as bad as predicted, it will create another headwind to December deliveries on top of inventory-related issues, fear of recession and rising prices and interest rates. Conversely, because the bad weather is hitting broad swaths of the U.S. at a time when most vehicle assembly plants will be closed anyway for the holiday season, production losses sho
Housing Works, a New York City-based nonprofit that runs a chain of thrift shops, will launch sales at a 4,400-square-foot Manhattan dispensary at 1 Astor Place, Governor Kathy Hochul said on Wednesday. All proceeds will be directed to the nonprofit.
In the climb from contributor to leader, the rules quietly change. If you’re aiming for the summit, the air gets thinner—and what got you here won’t be enough to get you to the top (a concept first popularized by Marshall Goldsmith in his book What Got You Here Won’t Get You There ). What made you successful early in your finance career—technical accuracy, sharp analysis, flawless execution—won’t be what carries you to the next level.
This summer, the Financial Planning Association (FPA) announced a new multi-year advocacy goal to pursue legal recognition for the title of "Financial Planner", as a means for bona fide financial planners to distinguish themselves and their services from others (who may use the title but don't actually do financial planning), to help consumers understand who is qualified to provide financial planning advice, and to raise standards for the financial planning profession by tying competency and eth
Managed futures Why trend following works during changing macroeconomic environments. (mrzepczynski.blogspot.com) Managed futures work best during periods of market transition. (blogs.cfainstitute.org) Research What accounts for big stock price jumps? (papers.ssrn.com) Why 1/N diversification is hard to beat. (papers.ssrn.com) Diseconomies of scale in asset management are real.
Active inventory decreased last week. Here are the same week inventory changes for the last four years ( usually inventory declines seasonally through the Winter ): 2022: -13.5K 2021: -13.1K 2020: -14.4K 2019: -18.1K Altos reports inventory is down 2.5% week-over-week and down 9.6% from the peak on October 28th. Click on graph for larger image. This inventory graph is courtesy of Altos Research.
The most overlooked, yet most critical, element of transformation is preparing people for change. Automation and AI aren't just technical upgrades, they’re cultural shifts which can challenge identities. That’s why change management isn’t a side project—it’s the foundation. In finance, where precision and process rule, navigating change can feel especially disruptive.
Housing starts, permits, completions data from Census Department, chart by Mish. The Commerce Department's New Residential Construction Report shows housing starts were flat but single-family starts and permits were down hard in November. Building Permits Privately‐owned housing units authorized by building permits in November were at a seasonally adjusted annual rate of 1,342,000.
Best of lists The best finance podcasts of 2022 including 'Masters in Business.' (realreturns.blog) Why 'The Compound & Friends' was the best podcast of the year. (bigtechnology.com) The best podcasts of 2022 including 'Stolen: Surviving St. Michael’s. (newyorker.com) Ten of the best podcasts of 2022 including 'Things Fell Apart' by John Ronson.
Note: This is as of November 30th. From the MBA: Share of Mortgage Loans in Forbearance Remains Flat at 0.70% in November The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance remained flat relative to the prior month at 0.70% as of November 30, 2022. According to MBA’s estimate, 350,000 homeowners are in forbearance plans.
Not every advisor sees a role for alternative investments like private placements or non-traded REITs. For those who do, making the allocations in reaction to declines in traditional portfolios is a mistake.
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
National Association of Homebuilders data, chart by Mish. Please consider the NAHB/Wells Fargo Housing Market Index (HMI) for December 2022. The NAHB/Wells Fargo Housing Market Index (HMI) is based on a monthly survey of NAHB members designed to take the pulse of the single-family housing market. The survey asks respondents to rate market conditions for the sale of new homes at the present time and in the next six months as well as the traffic of prospective buyers of new homes.
Content Some Substack newsletters that some prominent writers recommend including 'Doomberg.' (petition.substack.com) Blair duQuesnay's favorite female-created financial content from 2022. (blairbellecurve.com) What some Morningstar ($MORN) analysts recommend from 2022 including “The Bond King: How One Man Made a Market, Built an Empire, and Lost It All” by Mary Childs.
The Census Bureau reports New Home Sales in November were at a seasonally adjusted annual rate (SAAR) of 640 thousand. The previous three months were revised down sharply. Sales of new single‐family houses in November 2022 were at a seasonally adjusted annual rate of 640,000 , according to estimates released jointly today by the U.S. Census Bureau and the Department of Housing and Urban Development.
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
Amazon AMZN Market Cap. Amazon is down from a peak of $1.88 trillion to $854.8 billion making it the first company to lose over $1 trillion in market cap. Who's next? Tesla TSLA Market Cap. Tesla has lost about $727 billion in market cap but it likely will not be next. Facebook META Market Cap. This is an impressive effort by Meta, down $759 billion in market cap from its peak.
Markets Four things that mattered for portfolios in 2022. (morningstar.com) Gasoline prices are ending 2022 below where they were a year ago. (compoundadvisors.com) Media stocks have had a miserable year. (on.ft.com) Companies Whatever the explanation, Tesla ($TSLA) shorts have cashed in this year. (wsj.com) Amazon's ($AMZN) Fresh store push has stalled out.
Realtor.com has monthly and weekly data on the existing home market. Here is their weekly report released today from Economist Jiayi Xu: Weekly Housing Trends View — Data Week Ending Dec 17, 2022. Note: They have data on list prices, new listings and more, but this focus is on inventory. • Active inventory growth held steady with for-sale homes up 58% above one year ago.
Remote finance teams are rewriting how the back-office runs—and attackers are taking notes. Disconnected workflows, process blind spots, and rising cyber threats have become more than just “growing pains”. They’re now liabilities. The challenge isn’t just team distribution, but building resilient systems that protect accuracy, control, and speed across every transaction and touchpoint.
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