Weekend Reading For Financial Planners (January 25–26)
Nerd's Eye View
JANUARY 24, 2025
Read More.
Asset Allocation
MainStreet Financial Planning
AUGUST 16, 2022
There are many steps in building an investment portfolio, in this article, I’ll discuss how asset allocation and risk tolerance are important considerations when investing. In simple terms, asset allocation is the mix of all the different types of investments you have in your portfolio. Some examples include U.S.
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Book of Secrets on the Month-End Close
What Your Financial Statements Are Telling You—And How to Listen!
Are Robots Replacing You? Keeping Humans in the Loop in Automated Environments
Data Talks, CFOs Listen: Why Analytics Is The Key To Better Spend Management
Trending Sources
5 Tactics for Retirees to Navigate Economic Uncertainty
MainStreet Financial Planning
MARCH 12, 2025
Reevaluate Your Asset Allocation If watching your investment portfolio fluctuate causes anxiety, your current allocation might be too aggressive. Reassess Your Budget Take a close look at your spending. Consider shifting towards a more conservative approach. Are there areas where you can scale back or eliminate expenses?
Economics 
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Scared of Running Out of Money in Retirement? Here’s How to Avoid It
Carson Wealth
JUNE 27, 2024
Set a Budget (and Stick to It) While seemingly a basic concept in the financial planning toolbox, a budget can uncover bad spending habits unbeknownst to people. Sticking to a budget allows you to monitor your finances and keep you on track. Start creating your budget by determining what your necessities, wants and savings.
Retirement 97
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How a Fee-Only, Flat-Fee Financial Planner Can Save You $114K+
MainStreet Financial Planning
MARCH 7, 2025
Why a Fee-Only, Flat-Fee Financial Planner is the Better Choice Transparent & Predictable Costs You know exactly what you’re paying, making it easier to budget for financial planning services. Instead, they provide objective, conflict-free financial advice at a predictable cost. Are There Any Benefits to AUM-Based Advisors?
Fee Only 52
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A Few Thoughts On Diversification Strategies
Fortune Financial
OCTOBER 14, 2024
It has been my experience when reviewing portfolios that diversification is typically expressed simply as a number of various stocks owned, or owning a handful of asset classes, usually stocks of various sizes and geographies, and bonds of varying maturities.
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End of Year Financial Checkup
MainStreet Financial Planning
DECEMBER 20, 2023
Review your budget – Are there any new expenses that you need to add or anything that can be taken out such as any unused subscriptions? One area that often gets overlooked in the midst of planning is reviewing your financial habits and goals, so I’ve put together a short list of 3 areas to review before January.
Wealth Accumulation: A Step By Step Guide
Clever Girl Finance
AUGUST 22, 2022
Create a budget. Try using something like the 50/30/20 budget. There are many other budgeting options, as well, like the 70/20/10 or the 30/30/30/10 budget. You can even create your own unique budget, but the really crucial thing is to organize your money. Create a budget that works for you.
Weekend Reading – Is Inflation Dead?
Discipline Funds
NOVEMBER 17, 2023
And the only way that disaster happens is if your financial planner is making irrational projections about asset returns and your asset allocation. In fact, the current environment doesn’t look that much different than what we experienced in the 80s and 2010s where the budget deficit was consistently 4-6% of GDP.
4 Pitfalls of Not Having a Financial Plan
Carson Wealth
APRIL 25, 2024
Once you have your goals set, you can build your plan with any combination of the following elements: Budgeting and expense management: Create a detailed budget outlining income, expenses, and savings targets. Investment strategy: Determine asset allocation and investment vehicles aligned with risk tolerance and financial goals.
SEI/AGB roundtable recap
SEI
AUGUST 2, 2022
Discussions covered a range of topics, including foundation operations, inflation and return expectations, processes for unspent distributions, asset allocation changes, and governance findings. The largest percent (28% on average) of operating budget comes from institutional support/shared service agreement. 47% of $100-500M).
7 Best Personal Finance Courses in 2024 For Beginners
Trade Brains
DECEMBER 7, 2023
From budgeting basics to investments, these courses offer a comprehensive foundation for managing your money in a better way. The course covers an introduction to personal finance, credit cards, life insurance, health insurance, investment instruments, loans, income tax and planning, budgeting and building a strong portfolio.
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How Much Should I Be Saving in My 20s?
Carson Wealth
DECEMBER 1, 2022
If you learn to budget in your 20s, that habit will carry with you through your lifetime. Consider online budgeting tools , spreadsheets or even pen and a notebook. . Track income, expenses and build in budgeted items for future financial goals. Build Positive Financial Behaviors.
September 2016 Insights on Markets and Investments
Brown Advisory
SEPTEMBER 11, 2016
By Taylor Graff, Head of Asset Allocation Research and Ed Chadwyck-Healey, Head of International Private Clients ⚑ Investment Outlook Falling Interest Rates Trigger Investor Hunger For Yield Investors snapping up U.S. securities are seeking yield as much as safety as interest rates plunge toward record lows.
Investing 52
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September 2016 Insights on Markets and Investments
Brown Advisory
SEPTEMBER 11, 2016
By Taylor Graff, Head of Asset Allocation Research and Ed Chadwyck-Healey, Head of International Private Clients ? Geopolitical instability and the end to nearly a decade of budget austerity have improved the prospect for defense industry stocks. Investment Outlook Falling Interest Rates Trigger Investor Hunger For Yield.
Investing 52
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Empower (formerly Personal Capital) Review – Managing All Your Investments in One Place
Good Financial Cents
JUNE 11, 2023
What’s more, these wealth advisors aren’t really there to teach you how to put together a budget, they strictly manage your money. You can also get information on your performance and asset allocation. This will help you to create an asset allocation that will get you where you need to go with your investments.
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James and Pamela’s Big Dream
Yardley Wealth Management
JULY 20, 2022
They both dream of traveling half—or even most—of the year after retirement, but they’re not sure if they can afford to, or how to budget so that their retirement savings will last. We’d look at the asset allocations of their portfolios and whether they’re tax-deferred, tax-exempt, or taxable. So—problem solved, right?
How the 80/20 Rule Affects Your Long-Term Investments
WiserAdvisor
OCTOBER 5, 2022
When applied to investing, many folks may come to the same conclusion that 80% of their returns are generated from only 20% of their asset allocations. In finance, you can use the 80/20 rule for important activities such as budgeting, asset allocation, and planning.
Investing 52
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5 Reasons Why You Should Hire a Financial Advisor
Zoe Financial
MAY 18, 2023
They can help you analyze your current investments, optimize your asset allocation, and make necessary adjustments to ensure your retirement nest egg grows steadily. They can help you budget effectively, set up college savings accounts, and explore investment options to support your family’s future financial needs.
On A Shoestring
Brown Advisory
MARCH 28, 2019
The first approach is to determine an acceptable level of risk—often termed a “risk budget”—and then seek to maximize potential return within that risk constraint. The “shoestring curve” below depicts these risks for a hypothetical portfolio, assuming various asset allocation targets. expected dispersion from mean returns).
On A Shoestring
Brown Advisory
MARCH 28, 2019
The first approach is to determine an acceptable level of risk—often termed a “risk budget”—and then seek to maximize potential return within that risk constraint. We use shoestring charts to help clients understand key short-term and long-term risks associated with their asset allocation and spend-rate decisions.
Making More From Less
Brown Advisory
NOVEMBER 29, 2016
The budget gap for nonprofits has widened because of a slump in their three sources of funds—donations, grants and portfolio returns. Stop-gap measures, such as increasing portfolio withdrawals, may erode the total amount of a portfolio, thereby impairing annual returns and eventually prompting deep budget cuts. Making More From Less.
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How To Save For Retirement In Your 40s And 50s: 11 Key Tips
Clever Girl Finance
DECEMBER 13, 2023
For example, you might have to prioritize saving for retirement over a luxury vacation budget. A honest look at your budget can help you determine where you can potentially cut back to contribute more to your retirement savings. Keep an eye on asset allocation Not all investments are created equally.
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How Working with a Financial Advisor Helps You Retire with More Wealth
WiserAdvisor
FEBRUARY 29, 2024
They help with asset allocation Asset allocation is an important component of successful retirement planning, and working with the best financial advisors for retirement can provide invaluable guidance in navigating this complex terrain. The value of rebalancing extends beyond just maintaining asset allocation.
Get Ready for the New Year with This 10-Step Fall Financial Checklist
Fortune Financial
OCTOBER 31, 2022
Now is a good time to give your finances a checkup to ensure your budget is back on track ahead of the holidays. Plug budget leaks : Spending leaks are impulsive and non-necessity purchases. Retirement savers and retirees can adjust to market turmoil by looking at spending and asset allocation plans to build a cash reserve.
Debt Ceiling Deadline
Yardley Wealth Management
JUNE 12, 2023
Keeping our asset allocation and increasing our wealth. I have been doing this for 25 years now and I can tell you that every single person who has made me sell out because of anticipating some event or a market downturn has regretted it in the long run.
Client Letter | Could the Worst be Behind Us? | October 5, 2022
James Hendries
OCTOBER 7, 2022
Elevated food and gas prices continue to stretch budgets, and higher interest rates have increased borrowing costs. Asset allocation does not ensure a profit or protect against a loss. Our thoughts are with those impacted by this devastating storm. This has clearly been a challenging year for households. Gas prices are falling.
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How to Save for Retirement Even When It’s Getting Harder
WiserAdvisor
DECEMBER 13, 2023
Eases contribution pressure Starting early means you can spread your contributions over a longer period, making it easier to integrate them into your budget without feeling overwhelmed. Adapt your approach Late starters should consider a strategic shift in their asset allocation. What are the best ways to save for retirement?
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Transcript: Ramit Sethi
The Big Picture
JUNE 6, 2023
Once you have your asset allocation dialed in, your automatic contributions dialed in, all the basics, then you can move on. You know, a rich life, most people expect a money book to start with a chapter on budgets. We’re going to get a budget. Everybody hates the word budget. I hate budgets myself.
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Considering Climate within Portfolios
Brown Advisory
OCTOBER 4, 2021
As we will discuss in this article, we conduct climate-related research and analysis (as part of our overall research efforts) along several separate but integrated tracks to guide our asset allocation, manager research and portfolio construction efforts.
Portfolio 52
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Considering Climate within Portfolios
Brown Advisory
OCTOBER 4, 2021
As we will discuss in this article, we conduct climate-related research and analysis (as part of our overall research efforts) along several separate but integrated tracks to guide our asset allocation, manager research and portfolio construction efforts. A 360-Degree Climate Evaluation. CARBON ATTRIBUTION” of SUSTAINABLE PORTFOLIOS .
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Are Alternatives Right for Our Organization?
Brown Advisory
OCTOBER 11, 2021
We believe that the investment return needed to achieve that objective should be the most important guidepost for a portfolio’s asset allocation. With traditional assets like stocks and bonds at high valuations, the implications for future returns of those assets may be underwhelming. Source: BLOOMBERG.
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Are Alternatives Right for Our Organization?
Brown Advisory
OCTOBER 11, 2021
We believe that the investment return needed to achieve that objective should be the most important guidepost for a portfolio’s asset allocation. With traditional assets like stocks and bonds at high valuations, the implications for future returns of those assets may be underwhelming. Source: BLOOMBERG.
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How to Choose the Right Wealth Management Firm in Kansas City
Fortune Financial
SEPTEMBER 25, 2023
Your risk tolerance will influence your investment strategy and asset allocation. It may encompass budgeting, debt management and developing strategies for saving and investing. Incomes and Expenses Evaluate your current financial situation. Investment Management Investment management is a critical aspect of wealth management.
Rude Awakening
Brown Advisory
SEPTEMBER 3, 2015
While the budget outlook for U.S. By Taylor Graff, CFA, Asset Allocation Analyst. Many hedge funds and municipal bond mutual funds persisted with purchases even as credit-rating firms downgraded the bonds far below investment grade. The investors’ losses spotlight a pitfall in the $3.6 Dream or Opportunity?
5 Important Investment Formulas for Financial Success
WiserAdvisor
DECEMBER 29, 2022
The reluctance to create a budget, use formulas and data, and arrive at decisions can impact your present and future finances. A budget is the foundation of a financial plan. Managing your finances can sometimes be overwhelming, as most people lack the proper understanding of how the market functions. Cash flow. Rule of 72.
Investing 52
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How inflation can end the equity market dream run?
Truemind Capital
OCTOBER 22, 2021
Poor suffer the most from the impact of inflation since they have very low exposure to assets whereas food & fuel accounts for a major part of their household budget. For debt allocation one can consider short maturity portfolios like ultra-short-term, low duration, or floating rate funds.
Marketing 52
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How to Choose the Right Wealth Management Firm in Kansas City
Fortune Financial
SEPTEMBER 25, 2023
Your risk tolerance will influence your investment strategy and asset allocation. It may encompass budgeting, debt management and developing strategies for saving and investing. Incomes and Expenses Evaluate your current financial situation. Investment Management Investment management is a critical aspect of wealth management.
Bottom-Up vs. Top-Down Investing: Differences and Benefits Explained
WiserAdvisor
AUGUST 18, 2022
Compare different mutual funds based on their returns, exit loads, asset allocation, standard deviation, expense ratios, portfolios, management style, Sharpe ratios, and more. Further, the advisor can offer assistance in matters related to creating a budget, reducing your taxes, boosting your savings rate, and more. To conclude.
Investing 52
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Capital Markets: The Essence of American Capitalism | Weekly Market Commentary | July 03, 2023
James Hendries
JULY 3, 2023
The early and successful budget airlines, or online digitized and aggregated commercial real estate data, all emanated from strong conviction. LPL’s Strategic and Tactical Asset Allocation Committee (STAAC) recommends a neutral tactical allocation to equities, with a modest overweight to fixed income funded from cash.
Marketing 52
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Beyond Investing: Strategic Advice for Nonprofits
Brown Advisory
MAY 4, 2020
As is often the case, its strategic and investment choices are intertwined, because the college needs to allocate its precious capital across several competing options. It is seeking to expand, specifically with regard to housing and athletic facilities, to keep up with a desired growth in enrollment.
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Beyond Investing: Strategic Advice for Nonprofits
Brown Advisory
SEPTEMBER 4, 2019
As is often the case, its strategic and investment choices are intertwined, because the college needs to allocate its precious capital across several competing options. It is seeking to expand, specifically with regard to housing and athletic facilities, to keep up with a desired growth in enrollment.
Nonprofit 52
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Transcript: Elizabeth Burton, Goldman Sachs Asset Management
The Big Picture
SEPTEMBER 19, 2023
We actually have a budget for risk management and technology and tools. It depends on your asset allocation. I also don’t think you should ever really beat yourself up for sticking to your asset allocation and your beliefs. And they took it out of their asset allocation in favor of other strategies.
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Key Trends and Concerns for Investors in 2023
WiserAdvisor
JANUARY 8, 2023
A lot of investors use the New Year to review their portfolios, change asset allocations, and prepare for the coming months. As per the Congressional Budget Office (CBO), the act can reduce budget deficits by $237 billion over the next ten years. 2023 may see high demand for electric vehicles, solar panels, and others.
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