HNW Planning 2022 Review: The Patagonia Purpose Trust
Wealth Management
DECEMBER 22, 2022
The Patagonia Purpose Trust, and how high-net-worth individuals combine tax mitigation and charitable intent, was a thematic story in 2022 for advisors.
Record 401(k) Participation at Vanguard Plans
The Big Picture
JUNE 15, 2023
The firm’s release of How America Saves is chock full of data and charts showing how 401k savings have reached all-time highs at Vanguard; I expect other large plan managers like Fidelity and Schwab to be at or near similar levels. The rally off of the June 2022 lows did not hurt either.
Planning 
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Review: Ten Economic Questions for 2022
Calculated Risk
DECEMBER 26, 2022
At the end of each year, I post Ten Economic Questions for the following year (2022). 10) Question #10 for 2022: Will inventory increase as the pandemic subsides, or will inventory decrease further in 2022? Here is a graph from Realtor.com showing active inventory through November 2022. This was correct. year-over-year.
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Small Business Retirement Plans – SEP-IRA vs. Solo 401(k)
The Chicago Financial Planner
NOVEMBER 27, 2022
One of the best tax deductions for a small business owner is funding a retirement plan. If you don’t plan for your own retirement who will? Two popular small business retirement plans are the SEP-IRA and Solo 401(k). The maximum for 2022 is $61,000, this has been increased to $66,000 for 2023. Eligibility.
The Latest In Financial #AdvisorTech (October 2022)
Nerd's Eye View
OCTOBER 3, 2022
Welcome to the October 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
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The Latest In Financial #AdvisorTech (August 2022)
Nerd's Eye View
AUGUST 1, 2022
Welcome to the August 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
Navigating the Thrift Savings Plan: Planning Opportunities To Support Federal Employees, Military Servicemembers, And Veterans
Nerd's Eye View
FEBRUARY 8, 2023
government is the largest employer in the country, it can be especially helpful for advisors to be familiar with the ins and outs of (and recent changes to) the Federal government’s own defined contribution plan: the Thrift Savings Plan (TSP). In 2022, the TSP underwent a series of changes impacting its many account holders.
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Are Financial Plans Getting Too Comprehensive: How The ‘Sledgehammer Of Value’ Isn’t Actually Paying Off
Nerd's Eye View
OCTOBER 23, 2023
Though, at some point, covering a large number of financial planning topics can eat into an advisor's time, which is problematic if clients won't pay substantially more to receive that more comprehensive advice.
2022 Highlights — The Top 22 Nerd’s Eye View Blog Posts You Might Have Missed
Nerd's Eye View
DECEMBER 26, 2022
As 2022 comes to a close, I am once again so thankful to all of you, the ever-growing number of readers who continue to regularly visit this Nerd’s Eye View Blog (and share the content with your friends and colleagues, which we greatly appreciate!). and inflation levels not seen in several decades. Read More.
The Latest In Financial #AdvisorTech (September 2022)
Nerd's Eye View
SEPTEMBER 5, 2022
Welcome to the September 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
SECURE Act 2.0: Later RMDs, 529-to-Roth Rollovers, And Other Tax Planning Opportunities
Nerd's Eye View
DECEMBER 28, 2022
The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in December 2019, brought a wide range of changes to the retirement planning landscape, from the death of the ‘stretch’ IRA to raising the age for Required Minimum Distributions (RMDs) to 72. In addition, SECURE 2.0 backdoor Roth conversions).
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The Latest In Financial #AdvisorTech (December 2022)
Nerd's Eye View
DECEMBER 5, 2022
Welcome to the December 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
SECURE Act 2.0: Later RMDs, 529-to-Roth-Rollovers, And Other Tax Planning Opportunities
Nerd's Eye View
DECEMBER 28, 2022
The Setting Every Community Up for Retirement Enhancement (SECURE) Act, passed in December 2019, brought a wide range of changes to the retirement planning landscape, from the death of the ‘stretch’ IRA to raising the age for Required Minimum Distributions (RMDs) to 72. In addition, SECURE 2.0 backdoor Roth conversions).
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Inflation Is A Risk In Retirement, But Most Planning Technology Doesn’t Treat It That Way
Nerd's Eye View
SEPTEMBER 20, 2023
30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns. Read More.
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Eight Must Reads for the CRE Industry Today (Dec. 7, 2022)
Wealth Management
DECEMBER 6, 2022
CBL plans to bring additional entertainment centers to its regional malls, reports Commercial Property Executive. A new survey found office workers care more about good WiFi connection and flexible workspaces rather than free coffee. These are among today’s must reads from around the commercial real estate industry.
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Nine Must Reads for the CRE Industry Today (Dec. 23, 2022)
Wealth Management
DECEMBER 22, 2022
plan to expand in 2023, reports Chain Store Age. When the eviction protection program runs out, tens of thousands tenants and landlords will still be facing the same challenges, reports The Real Deal. Most restaurant chains in the U.S. These are among today’s must reads from around the commercial real estate industry.
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Health Savings Accounts – The Other Retirement Plan
The Chicago Financial Planner
OCTOBER 21, 2021
Many of you have the option to enroll in high-deductible insurance plans that allow the use of a health savings account via your employer. High deductible health insurance plans . These types of plans are becoming more common with employers and are available privately as well. How the HSA works . Click To Tweet.
Creative Planning Ends 2022 M&A Spree with 'Bold' $5B Buy
Wealth Management
AUGUST 16, 2022
The Wipfli Financial Advisors acquisition comes with a retirement practice and a mass-affluent focused tech platform.
Mutual Funds See Win in Fight to Blunt SEC ‘Swing Pricing’ Plan
Wealth Management
JULY 9, 2024
The SEC’s latest rulemaking agenda indicates its staff is preparing to recommend reproposing the agency’s November 2022 bid to make it costlier for investors to redeem shares during times of extreme market tumult.
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10 Must Reads for the CRE Industry Today (Oct. 31, 2022)
Wealth Management
OCTOBER 31, 2022
CBRE is laying off some of its workforce as part of a $400 million cost-reduction plan, reports Bisnow. Meta will spend $3 billion in lease terminations and other fees as part of a plan to shrink its office footprint, according to The Real Deal. These are among today’s must reads from around the commercial real estate industry.
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The Latest In Financial #AdvisorTech (November 2022)
Nerd's Eye View
NOVEMBER 7, 2022
Welcome to the November 2022 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
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Review of Reviews: “Dynasty 529 Plans and Structural Inequality,” 61 Washburn Law Journal 497 (2022)
Wealth Management
NOVEMBER 23, 2022
Victoria J. Haneman, professor, Creighton University School of Law in Omaha, Neb.
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12 Must Reads for the CRE Industry Today (Nov. 16, 2022)
Wealth Management
NOVEMBER 15, 2022
The proptech industry is not planning layoffs at this point, according to Commercial Observer. The Financial Brand looks at Chase’s new digital management platform for multifamily landlords. These are among today’s must reads from around the commercial real estate industry.
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Eight Must Reads for the CRE Industry Today (Sept. 27, 2022)
Wealth Management
SEPTEMBER 27, 2022
Fannie Mae has a plan to help renters with low credit scores, reports USA Today. New York’s port has become the busiest in the U.S., according to the New York Post. These are among today’s must reads from around the commercial real estate industry.
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10 Must Reads for the CRE Industry Today (Aug. 8, 2022)
Wealth Management
AUGUST 8, 2022
The FDIC plans to increase its scrutiny of CRE loans, according to American Banker. The real estate industry breathed a sigh of relief as changes to carried interest were stripped out of the Inflation Reduction Act, reports The Real Deal. These are among today’s must reads from around the commercial real estate industry.
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Nine Must Reads for the CRE Industry Today (Aug. 31, 2022)
Wealth Management
AUGUST 30, 2022
First Solar plans a new manufacturing plant in Southeastern U.S., The North American Securities Administrators Association might step up restrictions on small-time investors in real estate funds, reports The Wall Street Journal. according to CNBC.
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Lawler: Some Observations on the Federal Reserve’s Balance Sheet Wind-Down and Reinvestment “Strategy” (Still in Quantitative Easing Mode, Just Less So)
Calculated Risk
MARCH 11, 2025
From housing economist Tom Lawler: From the beginning of 2020 to early June of 2022 the Federal Reserves balance sheet more than doubled to an almost inconceivable $8.9 Below is a comparable table for the end of 2022. trillion, with most of the decline reflecting decreases in Treasury and Agency MBS holdings.
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Your Input Requested – Reader Survey For Nerd’s Eye View (2022)
Nerd's Eye View
AUGUST 29, 2022
For most advisory firms, 2022 has been a year of relative stability, market volatility notwithstanding.
Q3 Update: Delinquencies, Foreclosures and REO
Calculated Risk
DECEMBER 6, 2022
Today, in the Calculated Risk Real Estate Newsletter: Q3 Update: Delinquencies, Foreclosures and REO A brief excerpt: Last year, I pointed out that with the end of the foreclosure moratoriums, combined with the expiration of a large number of forbearance plans, we would see an increase in REOs in late 2022 and into 2023.
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Survey: Financial Advisors Have Larger Role To Play In Clients' Retirement Planning
Wealth Management
JANUARY 31, 2023
Vestwell conducted the fourth-annual “Retirement Trends Report” in fall 2022 and received responses from almost 1,300 savers, 500 financial advisors and 250 small businesses.
AI Meeting Notes Tools For Financial Advisors: Solo Productivity Vs Associate Advisor Development?
Nerd's Eye View
MARCH 17, 2025
In addition, AI Notetakers are increasingly popular as advisors' financial plans get increasingly comprehensive; not surprisingly, the more detailed financial planning conversations happen in client meetings, the more there is to capture and share out. At the same time, AI Meeting Notes tools themselves continue to evolve rapidly.
Realtor.com Reports Weekly Active Inventory Down Slightly YoY; New Listings Down 29% YoY
Calculated Risk
JUNE 29, 2023
As mortgage rates surged in 2022, buyers saw costs soar, and a large number of shoppers reoriented their housing plans. year-over-year - this was the first YoY decrease in 59 weeks (since May 2022). The time it took to sell a home lengthened and the number of homes for sale piled up. Inventory is down 0.3%
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RIP Financial Conferences
The Big Picture
SEPTEMBER 16, 2022
Times, September 14, 2022). How financial advisors can create a more inclusive future for the industry (Financial Planning, September 13, 2022). Amid heat and motorcycles, Ritholtz and Robasciotti kick off new Future Proof ‘festival’ (Financial Planning, September 11, 2022).
MBA Survey: "Share of Mortgage Loans in Forbearance Remains Flat at 0.70% in November"
Calculated Risk
DECEMBER 19, 2022
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.
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Behind the Curve, Part V
The Big Picture
NOVEMBER 3, 2022
I don’t care what your personal theories on monetary policy might be, your thoughts on Milton Friedman, or who you plan on voting for next week. It wasn’t until March 2022, 2 years after the pandemic panic, that the FOMC deemed it ok to start raising rates. Previously : When Your Only Tool is a Hammer (November 1, 2022).
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Leading Index for Commercial Real Estate Increases in October
Calculated Risk
NOVEMBER 8, 2022
Commercial planning was bolstered by a solid increase in office and hotel projects. The institutional component was varied, experiencing growth in recreational and education projects, countered by a decline in the number of healthcare and public planning projects. emphasis added Click on graph for larger image.
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Leading Index for Commercial Real Estate Decreased in August
Calculated Risk
SEPTEMBER 11, 2023
“Overall activity remains above historical norms, but weaker market fundamentals continue to undermine planning growth,” said Sarah Martin, associate director of forecasting for Dodge Construction Network. Also, planning in the sector continues to revert from the strong spike in activity back in May.
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Leading Index for Commercial Real Estate Increases in December
Calculated Risk
JANUARY 9, 2023
From Dodge Data Analytics: Dodge Momentum Index Wraps up 2022 with December Growth The Dodge Momentum Index (DMI), issued by Dodge Construction Network, improved 6.6% (2000=100) in December to 222.2 Commercial planning in December was supported by broad-based increases across office, warehouse, retail and hotel planning.
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11 Must Reads for the CRE Industry Today (Jan. 11, 2023)
Wealth Management
JANUARY 10, 2023
Dodge Momentum Index registered an increase in planning for commercial building in December 2022. Multifamily owners in Los Angeles would like to sell their properties, but the offers they are getting aren’t matching expectations, reports Bisnow.
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Realtor.com Reports Weekly Active Inventory Up 5% YoY; New Listings Down 26% YoY
Calculated Risk
JUNE 22, 2023
As mortgage rates surged in 2022, both buyers and sellers adjusted plans and expectations, and the number of for-sale homes on the market climbed sharply. This was the smallest YoY increase since May 2022. Here is a graph of the year-over-year change in inventory according to realtor.com.
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SEC Scales Back New Pollution-Disclosure Rules for Companies
Wealth Management
MARCH 6, 2024
The SEC voted Wednesday to impose climate-disclosure requirements that will be significantly softer than those it proposed in March 2022 after the agency received thousands of comment letters and numerous litigation threats over the plan.
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RIA Assets Fall for the First Time Since 2008
Wealth Management
JUNE 22, 2023
Also, contrary to popular belief that investment management has become commoditized, there was more demand for those services in 2022, while interest in financial planning dropped, according to a new study by the IAA and COMPLY.
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America’s $7 Trillion Retirement Crisis Is Only Getting Worse
Wealth Management
AUGUST 16, 2022
Economic turmoil took a toll on savings in the first half of 2022 and that’s just the tip of the iceberg as many in the US lack employer-sponsored plans.
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America’s $7T Retirement Crisis Is Only Getting Worse
Wealth Management
AUGUST 16, 2022
Economic turmoil took a toll on savings in the first half of 2022 and that’s just the tip of the iceberg as many in the US lack employer-sponsored plans.
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