Nerd's Eye View

APRIL 8, 2025

Seth is the founder of Heartwood Financial Planning, an advisory firm affiliated with PlanMember Securities Corporation that is based in Fresno, California, and oversees approximately $100 million in assets under management for 850 client households.

Financial Planning 130

Financial Planning Clients Planning Financial Advisor 130

Nerd's Eye View

MARCH 28, 2025

Which suggests that, amidst ongoing debate over fiduciary-related regulations, an advisor's status as a fiduciary could both lead to greater client trust (both in their individual advisor relationship and perhaps in the financial advice industry as a whole) and, ultimately, higher client retention rates.

Financial Planner 228

Financial Planner Retirement Retirement Planning Clients 228

Nerd's Eye View

DECEMBER 27, 2024

The report suggests this might be due in part to increased RIA valuations and the assumption of some firm founders that next-generation employees won't be financially able to buy out the firm from them, though additional data indicates that many firms don't have career paths in place that could help next-generation advisors envision their path to firm (..)

Financial Planner 246

Financial Planner Insurance Coverage Insurance Valuation 246

Nerd's Eye View

JANUARY 31, 2025

Also in industry news this week: While RIA M&A deal flow hit record levels in 2024 (both in terms of volume and the speed of completing them), firm valuations saw relatively modest gains In its latest annual regulatory oversight report, FINRA joined the SEC in flagging the potential risks to firm and client data from the use of third-party vendors (..)

Financial Planner 245

Financial Planner Retirement Planning Compliance Taxes 245

Nerd's Eye View

NOVEMBER 6, 2024

In the early days of financial planning, serving clients often meant developing transactional relationships focused on facilitating trades and selling insurance. Over time, advisors shifted toward more analytical approaches, such as investment management and retirement planning.

Clients 130

Clients Planning Financial Planner Financial Planning 130

Wealth Management

FEBRUARY 23, 2023

A new WMIQ study on retirement planning, conducted in collaboration with annuity provider Midland Advisory, found more than 3/4 of potential clients feel it’s important for advisors to be fiduciaries and nearly 2/3 prioritize retirement expertise.

Clients 253

Clients Retirement Planning Retirement Planning 253

Abnormal Returns

MARCH 10, 2025

(kitces.com) Estate planning Estate plans are a big lift for everyone, including advisers themselves. kindnessfp.com) Why clients need to organize their digital assets for estate planning purposes. riabiz.com) This money manager's ETF business was built on entertaining clients. abnormalreturns.com)

Estate Planning 162

Estate Planning Retirement Planning CFP Portfolio Management 162

Wealth Management

AUGUST 7, 2024

Including permanent life insurance can help prevent blind spots in retirement planning and enable clients to live longer.

Financial Planning 306

Financial Planning Retirement Planning Planning Assets 306

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.

Financial Advisor 245

Financial Advisor Retirement Planning Retirement Clients 245

Nerd's Eye View

AUGUST 28, 2024

Historically, advisors haven't had many avenues to manage clients' 401(k) plan accounts, since unlike traditional custodial investment accounts, advisors generally lack discretionary trading authority in employer-sponsored retirement plans.

Assets 246

Assets Management Clients Compliance 246

Abnormal Returns

FEBRUARY 24, 2025

morningstar.com) Carl Richards and Michael Kitces on whether a client should take time before coming on as a client. How to do better for clients. kitces.com) Working with UNHW clients is more complex. citywire.com) Your (potential) clients are looking online for financial advice.

Wealth Management 147

Wealth Management Retirement Planning Financial Advice Clients 147

Wealth Management

JUNE 30, 2023

IncomeConductor's Sheryl O'Connor details why it's important for an advisor not just to get clients to retirement, but through it as well.

Retirement Planning 238

Retirement Planning Retirement Planning Clients 238

Nerd's Eye View

FEBRUARY 12, 2025

While it may take a while for the adjustments to take place, advisors can still help their clients plan for the effect of WEP and GPO's repeal by estimating how much the client will be receiving in Social Security benefits once the new law is implemented. will be top of mind for clients affected by the WEP and GPO.

Retirement 245

Retirement Government Clients Planning 245

Nerd's Eye View

OCTOBER 7, 2024

This month's edition kicks off with the news that digital estate planning platform Wealth.com has raised a whopping $30 million in Series A funding, following on the heels of Vanilla's follow-on $20M capital round just a few months ago – which on the one hand reflects the anticipated enthusiasm for solutions that can help advisors efficiently (..)

Clients 246

Clients B2B Estate Planning Planning 246

Wealth Management

JUNE 7, 2023

Collaborations with Salesforce, PureFacts and Pontera will add retirement planning, billing and client onboarding capabilities to the multi-custodial platform announced this week at INSITE.

Retirement Planning 261

Retirement Planning Retirement Clients Planning 261

Abnormal Returns

MAY 13, 2024

blogs.cfainstitute.org) How life events affect retirement planning. investmentecosystem.com) Reflections on eight years of running a financial planning practice. wealthmanagement.com) Why 4% retirement withdrawal rates are still a thing. (riabiz.com) Archive Intel has entered the adviser communications archiving space.

Math 287

Math Retirement Planning Financial Advice Retirement 287

Wealth Management

AUGUST 2, 2023

The Oregon quartet specialized in retirement planning manages around $230 million in client assets.

Retirement Planning 244

Retirement Planning Retirement Assets Clients 244

Abnormal Returns

SEPTEMBER 2, 2024

investmentnews.com) Retirement Retirement planning is challenging because we simply don't know how long someone will live. kitces.com) Retirement spending is by its nature dynamic. thinkadvisor.com) Advisers Four things clients value in advisers. morningstar.com) These clients have more than one adviser.

Retirement Planning 272

Retirement Planning Retirement Food Clients 272

Wealth Management

DECEMBER 16, 2024

Succession planning can be as simple as recreating the retirement planning process you walk clients through every day.

Retirement 220

Retirement Planning Retirement Planning Clients 220

Wealth Management

MARCH 17, 2023

Pontera CMO Nicole Zheng how advisors should approach the concept of holistic advice with clients, especially surrounding retirement planning.

Retirement Planning 241

Retirement Planning Accounting Retirement Management 241

Nerd's Eye View

OCTOBER 21, 2022

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 a series of changes affecting retirement planning, dubbed “SECURE ACT 2.0”, ”, by the end of the year. Social Security COLA for 2023.

Financial Planner 234

Financial Planner Retirement Planning Retirement Insurance 234

Wealth Management

DECEMBER 16, 2022

Our panel of experts share their approaches to wealth accumulation and planning for longevity in a changing retirement planning environment.

Wealth Accumulation 192

Wealth Accumulation Retirement Retirement Planning Clients 192

Carson Wealth

MARCH 28, 2024

Retirement planning is a journey that generally takes decades to complete and most of us start out along the do-it-yourself path. More than likely, your first step was to enroll in an employer-provided plan such as a 401(k) or setting up an individual retirement account, also known as an IRA.

Retirement Planning 142

Retirement Planning Retirement Planning Taxes 142

Nerd's Eye View

MAY 10, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners"– this week's edition kicks off with the news that a recent analysis from Morningstar suggests that the Department of Labor's (DoL's) new Retirement Security Rule (aka Fiduciary Rule 2.0)

Financial Planner 246

Financial Planner Retirement Planning Retirement Valuation 246

Abnormal Returns

OCTOBER 30, 2023

Podcasts Brendan Frazier talks with Jake Northrup of Experience Your Wealth about how he infuses the human side to help clients live their ideal life. nextavenue.org) Advisers Comprehensive financial planning takes more time and effort. kitces.com) Why formal retirement plans provide clients with additional confidence.

Wealth Management 263

Wealth Management Retirement Planning Financial Advising Financial Advice 263

Advisor Perspectives

APRIL 25, 2024

He did this research on behalf of Equitable to look at how to improve the efficient frontier, enhance risk-adjusted returns and help advisors – and their clients – make the most of their assets through their retirement.

Retirement Planning 102

Retirement Planning Retirement Planning Financial Services 102

Nerd's Eye View

MARCH 20, 2024

Monte Carlo simulations have become a central method of conducting financial planning analyses for clients and are a feature of most comprehensive financial planning software programs. the Great Depression or the Global Financial Crisis), showing clients when and to what degree spending cuts would have been necessary.

Communication 246

Communication Clients Risk Tolerance Financial Planning 246

Nerd's Eye View

JANUARY 26, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news of a survey indicating that about 90% of financial advisors would switch firms based on bad technology at their current firm, and that 44% have already done so.

Financial Planner 246

Financial Planner Retirement Planning Financial Advisor Retirement 246

Nerd's Eye View

AUGUST 28, 2024

Historically, advisors haven't had many avenues to manage clients' 401(k) plan accounts, since unlike traditional custodial investment accounts, advisors generally lack discretionary trading authority in employer-sponsored retirement plans.

Assets 245

Assets Management Compliance Retirement Planning 245

Abnormal Returns

JANUARY 15, 2024

riaintel.com) HNW clients want additional services. thinkadvisor.com) Advisers Financial planning is seeing a battle between growing complexity and rising technology. kitces.com) Client's lives are growing more complex. flowfp.com) Small businesses overstate the costs of starting a retirement plan.

Financial Planner 278

Financial Planner Wealth Management Retirement Planning Financial Advising 278

Nerd's Eye View

SEPTEMBER 29, 2022

State tax breaks for retirees usually come in 4 flavors: no income tax at all; exclusion of Social Security income from taxable income; exclusion of pension or retirement plan withdrawals; and additional exemptions, deductions, or credits for all taxpayers above certain age thresholds. Every state in the U.S.,

Taxes 246

Taxes Retirement Retirement Planning Clients 246

Nerd's Eye View

NOVEMBER 3, 2023

Among other measures, the proposal would amend the current 5-part test that determines fiduciary status for retirement accounts by defining as a fiduciary act a one-time recommendation to roll funds from a company retirement plan to an Individual Retirement Account (IRA), strengthen advice standards for independent insurance professionals, apply to (..)

Financial Planner 246

Financial Planner Retirement Planning Retirement Insurance 246

Nerd's Eye View

APRIL 24, 2024

Over the past few decades, advicers have used Monte Carlo analysis tools to communicate to clients if their assets and planned level of spending were sufficient for them to realize their goals while (critically) not running out of money in retirement.

Communication 246

Communication Retirement Clients Accounting 246

Nerd's Eye View

OCTOBER 2, 2024

In this environment, financial advisors have the opportunity to add value for their clients not only by giving a clear explanation about the current status of Social Security and the potential legislative changes that could improve its solvency, but also by modeling what (realistic) changes would mean for their clients' financial plans.

Retirement 246

Retirement Clients Financial Planning Financial Advisor 246

Abnormal Returns

APRIL 1, 2024

wiredplanning.com) Retirement Spending guardrails are important in retirement, but the details matter. kitces.com) Why do adviser clients claim Social Security earlier than you would think? thinkadvisor.com) Not everyone is happier in retirement. citywire.com) How to leverage your client base to help find new hires.

Wealth Management 258

Wealth Management Math Retirement Retirement Planning 258

Nerd's Eye View

DECEMBER 13, 2024

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Financial Planner 246

Financial Planner CFP Retirement Certification 246

Nerd's Eye View

OCTOBER 6, 2023

Read More.

Financial Planner 246

Financial Planner CFP Certification Communication 246