Calculated Risk
APRIL 25, 2024
From the National Center for Health Statistics: Births: Provisional Data for 2023. The NCHS reports: The provisional number of births for the United States in 2023 was 3,591,328, down 2% from 2022. The general fertility rate was 54.4 births per 1,000 females ages 15–44, down 3% from 2022. The total fertility rate was 1,616.5 births per 1,000 women in 2023, a decline of 2% from 2022.
Wealth Management
APRIL 25, 2024
Astoria believes emerging markets will continue to struggle if the dollar strengthens and rates are held.
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Abnormal Returns
APRIL 25, 2024
Books An excerpt from "Fluke: Chance, Chaos, and Why Everything We Do Matters" by Brian Klaas. (behavioralscientist.org) An excerpt from "The Age of Grievance" by Frank Bruni. (theatlantic.com) A Q&A with Erin A. Cech author of "The Trouble with Passion: How Searching for Fulfillment at Work Fosters Inequality." (annehelen.substack.com) An excerpt from "Alpine Rising: Sherpas, Baltis, and the Triumph of Local Climbers in the Greater Ranges" by Bernadette McDonald.
Wealth Management
APRIL 25, 2024
The money from RIAs to Bitcoin ETFs is flowing to the asset managers offering lower fees.
Speaker: Erroll Amacker
As businesses increasingly adopt automation, finance leaders must navigate the delicate balance between technology and human expertise. This webinar explores the critical role of human oversight in accounts payable (AP) automation and how a people-centric approach can drive better financial performance. Join us for an insightful discussion on how integrating human expertise into automated workflows enhances decision-making, reduces fraud risks, strengthens vendor relationships, and accelerates R
Abnormal Returns
APRIL 25, 2024
Markets The energy sector is still less than 4% of the S&P 500. (allstarcharts.com) What are to make of the big, and persistent, valuation disparities between large and small caps. (morningstar.com) Strategy Good luck trying to dial risk up and down at the right times. (collabfund.com) Expect to see some overconfidence tonight in Detroit. (seeitmarket.com) There's no return without risk.
Wealth Management
APRIL 25, 2024
Rumors swirled for months that the TAMP and technology provider was up for sale.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Wealth Management
APRIL 25, 2024
Also, a new F2 Strategy study suggests firms must be responsive to digitally native affluent millennial clients to keep their business and MyVest expands tax-aware portfolio transitions for its Strategic Portfolio System.
Calculated Risk
APRIL 25, 2024
From the BEA: Gross Domestic Product, First Quarter 2024 (Advance Estimate) Real gross domestic product (GDP) increased at an annual rate of 1.6 percent in the first quarter of 2024 , according to the "advance" estimate released by the Bureau of Economic Analysis. In the fourth quarter of 2023, real GDP increased 3.4 percent. The increase in real GDP primarily reflected increases in consumer spending, residential fixed investment, nonresidential fixed investment, and state and local government s
Wealth Management
APRIL 25, 2024
How acclaimed journalist Josephine Franklin ended up homeless.
Calculated Risk
APRIL 25, 2024
From the NAR: Pending Home Sales Ascended 3.4% in March Pending home sales in March climbed 3.4% , according to the National Association of REALTORS®. The Northeast, South and West posted monthly gains in transactions while the Midwest recorded a loss. Year-over-year, the Northeast and South registered decreases but the Midwest and West improved. The Pending Home Sales Index (PHSI)* – a forward-looking indicator of home sales based on contract signings – increased to 78.2 in March.
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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.
Wealth Management
APRIL 25, 2024
Before joining Avantax, acquired by Cetera last year, Michael Molnar spent time as a strategy consultant, equity analyst, successful investor, CPA and dealmaker.
Calculated Risk
APRIL 25, 2024
The DOL reported : In the week ending April 20, the advance figure for seasonally adjusted initial claims was 207,000 , a decrease of 5,000 from the previous week's unrevised level of 212,000. The 4-week moving average was 213,250, a decrease of 1,250 from the previous week's unrevised average of 214,500. emphasis added The following graph shows the 4-week moving average of weekly claims since 1971.
Wealth Management
APRIL 25, 2024
Carnegie Private Wealth's Angie Ostendarp and Jordan Raniszeski share their journey of why they left Wells Fargo and joined LPL's Strategic Wealth Services model.
Calculated Risk
APRIL 25, 2024
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Friday: • At 8:30 AM ET, Personal Income and Outlays, March 2024. The consensus is for a 0.5% increase in personal income, and for a 0.3% increase in personal spending. And for the Core PCE price index to increase 0.3%. PCE prices are expected to be up 2.6% YoY, and core PCE prices up 2.7% YoY. • At 10:00 AM: University of Michigan's Consumer sentiment index (Final for April).
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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?
Wealth Management
APRIL 25, 2024
Lynch Retirement Investment Group brings WEG to almost $82 billion and adds a fourth Maryland office.
Calculated Risk
APRIL 25, 2024
Today, in the Calculated Risk Real Estate Newsletter: Lawler: Observations on the Recent Surge in Net International Migration A brief excerpt: NOTE: Housing economist Tom Lawler has written extensively on demographics and the impact on household growth and housing demand. Last November, Lawler reviewed the most recent Census projections: Lawler on Existing Home Sales, Population Projections and Household Slowdown.
Wealth Management
APRIL 25, 2024
Parnassus believes innovation creates opportunities outside the Mag 7.
A Wealth of Common Sense
APRIL 25, 2024
Bill Artzerounian joined me again this week to tackle questions about automating your finances, the tax implications of a company sale, how to offset RWM taxes and the pros and cons of a Roth 401k. Further Reading: Inflation Matters More For the Stock Market Than Interest Rates 1It’s also worth pointing out that interest rates under 2% have been rare historically.
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Is your finance team bogged down by endless data requests and disorganized spreadsheets during the month-end close? It’s time to consider a better option – automate with ART! SkyStem’s solution works alongside your ERP to transform the close and account reconciliation process and speed up month-end work. Explore SkyStem’s ART - the award-winning account reconciliation automation platform - and receive a $100 Amazon gift card as a thank you for your time.
Advisor Perspectives
APRIL 25, 2024
In the week ending April 20, initial jobless claims were at a seasonally adjusted level of 207,000, a decrease of 5,000 from the previous week's figure. The latest reading is lower than the forecast of 214,000 jobless claims.
Million Dollar Round Table (MDRT)
APRIL 25, 2024
By Bryce Sanders It is easy to think the financial services industry is engaged in a race to the bottom when there are ads telling people they can trade stocks “for free.” This advertising appeals to DIY buyers, but it doesn’t appeal to everyone. Many people — especially those who are quality clients — are willing to pay more for a trusted financial advisor they can build an enduring relationship with.
Advisor Perspectives
APRIL 25, 2024
The advance estimate for Q1 GDP came in at 1.59%, a deceleration from 3.40% for the Q4 final estimate. With a per-capita adjustment, the headline number is lower at 1.00%, a decrease from 2.79% for the Q4 headline number.
Carson Wealth
APRIL 25, 2024
There are some things in life you just can’t plan for: an unexpected illness, job loss, death of spouse, disability. And while experiencing one of these major events can drastically impact your life, having an effective financial plan can help ensure that it doesn’t ruin your financial well-being. What Do You Need in Your Financial Plan? Your financial plan should be customized to your own unique needs.
Speaker: Sierre Lindgren
Fraud is a battle that every organization must face – it’s no longer a question of “if” but “when.” Every organization is a potential target for fraud, and the finance department is often the bullseye. From cleverly disguised emails to fraudulent payment requests, the tactics of cybercriminals are advancing rapidly. Drawing insights from real-world cases and industry expertise, we’ll explore the vulnerabilities in your processes and how to fortify them effectively.
Advisor Perspectives
APRIL 25, 2024
With nearly 4.5 million Americans turning 65 in 2024, advisors are navigating four core risks that will impact their portfolios in retirement: longevity, inflation, volatility, and emotions. We will discuss new research by Dr. Wade Pfau, professor at The American College of Financial Services. 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
Trade Brains
APRIL 25, 2024
Bearish kicker candlestick pattern: It is often observed that market participants utilize technical analysis as a means of speculating and predicting short-term movements in stock prices. Technical analysis encompasses a range of methods for analyzing the market, including the candlestick pattern method, which is commonly employed to forecast stock price movements.
Advisor Perspectives
APRIL 25, 2024
The U.S. economy grew at a slower than expected pace to start off the year. Real gross domestic product increased at an annual rate of 1.6% in Q1 2024, according to the advance estimate. The latest estimate is lower than the forecasted 2.5% growth and is a slowdown from the Q4 2023 GDP final estimate of 3.4%.
NAIFA Advisor Today
APRIL 25, 2024
Richard Dobson is a Certified Financial Planner (CFP) who strives to simplify communication between clients and financial advisors. As a keynote speaker, he has provided insurance and investment advice for over 40 years. Richard is the author of Make Simplicity Your Superpower! and The Trusted Professional. He is also a NAIFA member and has previously served as a former FINRA Broker Dealer Chief Compliance Officer (CCO).
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It's the time of year to give our close process some TLC. Join us in this one hour webinar where we discuss how to adopt leading practices and infuse technology into the month-end close process to improve our experience and increase our productivity during month-end and quarter-end close. Learning Objectives: This course's objective is to understand how the month-end close can be improved with automation and adoption of leading practices.
Advisor Perspectives
APRIL 25, 2024
It’s time to look at yourself and make a change.
International College of Financial Planning
APRIL 25, 2024
Achieving the status of Certified Financial Planner® (CFP®) represents a significant professional milestone in financial services. This certification is recognized globally and showcases a deep, systematic understanding of personal financial management, including investment planning, risk management, tax planning, and retirement planning. Individuals who attain the CFP® certification are respected for their expertise and commitment to adhering to the highest ethical standards, significantly enha
Advisor Perspectives
APRIL 25, 2024
The National Association of Realtors® (NAR) released the latest monthly data for its pending home sales index. The index rose 3.4% in March to 78.2, its highest level in over a year and more than the forecasted 0.3% growth. Pending home sales are up 0.1% from one year ago.
Financial Symmetry
APRIL 25, 2024
We take pride in recognizing our team members who not only excel in their roles but also embody our core values. Today, we’re shining the spotlight on Meredith, who’s dedication to teamwork and diligence is a testament to FSI’s commitment … Continued The post Celebrating Meredith: A Beacon of Teamwork at FSI appeared first on Financial Symmetry, Inc.
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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