The 10 Best and 10 Worst States to Retire In
Wealth Management
SEPTEMBER 18, 2023
The South and Midwest dominate the top of the rankings.
Mon.Sep 18, 2023
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MBA Survey: "Share of Mortgage Loans in Forbearance Decreases to 0.33% in August"
Calculated Risk
SEPTEMBER 18, 2023
From the MBA: Share of Mortgage Loans in Forbearance Decreases to 0.33% in August The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 6 basis points from 0.39% of servicers’ portfolio volume in the prior month to 0.33% as of August 31, 2023. According to MBA’s estimate, 165,000 homeowners are in forbearance plans.
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Why Now Might Be the Right Time for a Like-Kind Exchange
Wealth Management
SEPTEMBER 18, 2023
One way to mitigate the impact of a failed exchange is “tax straddling,” which involves timing the exchange so the sale falls in one tax year and the receipt of proceeds in the following year.
Housing September 18th Weekly Update: Inventory increased 1.9% Week-over-week; Down 6.1% Year-over-year
Calculated Risk
SEPTEMBER 18, 2023
Altos reports that active single-family inventory was up 1.9% week-over-week. Click on graph for larger image. This inventory graph is courtesy of Altos Research. As of September 15th, inventory was at 519 thousand (7-day average), compared to 509 thousand the prior week. Year-to-date, inventory is up 5.7%. And inventory is up 27.9% from the seasonal bottom 22 weeks ago.
Data Talks, CFOs Listen: Why Analytics Is The Key To Better Spend Management
Speaker: Claire Grosjean
Finance teams are drowning in data—but is it actually helping them spend smarter? Without the right approach, excess spending, inefficiencies, and missed opportunities continue to drain profitability. While analytics offers powerful insights, financial intelligence requires more than just numbers—it takes the right blend of automation, strategy, and human expertise.
How RIAs Can Build A Healthy Family Environment
Wealth Management
SEPTEMBER 18, 2023
Reject the notion that team members should leave their personal lives behind when they walk through the office door.
Adviser links: exciting plans
Abnormal Returns
SEPTEMBER 18, 2023
Podcasts Daniel Crosby talks with Michael Kitces about automation and the future of financial advice. (standarddeviationspod.com) Michael Kitces talks with Jason Wenk, CEO of Altruist, about how he is trying to build an all-in-one investment OS. (kitces.com) Brendan Frazier talks with Samantha Lamas and Danielle Labotka about why clients hire and fire their financial advisers.
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How A 3-Person Team Optimizes Advisor Capacity For Firm Growth
Nerd's Eye View
SEPTEMBER 18, 2023
When an advisor runs their own solo advisory firm, their capacity to meet with current and prospective clients is limited to the extent that they are also responsible for all of the non-client-facing tasks of running their firm. Which may not be a serious limitation when they are just starting out and don’t have a lot of clients to serve, but as the firm grows, they will eventually run out of time available for working with clients – at which point, it becomes necessary to decide whe
Top Compliance and Litigation Tips for 401(k) Plans
Wealth Management
SEPTEMBER 18, 2023
Do not forget the basics regarding compliance and ligitation of 401(k) retirement plans.
NAHB: Builder Confidence Decreased in September
Calculated Risk
SEPTEMBER 18, 2023
The National Association of Home Builders (NAHB) reported the housing market index (HMI) was at 45, down from 50 last month. Any number above 50 indicates that more builders view sales conditions as good than poor. From the NAHB: High Mortgage Rates Continue to Weaken Builder Confidence Persistently high mortgage rates above 7% continue to erode builder confidence, as sentiment levels have dropped below the key break-even measure of 50 for the first time in five months.
11 Must Reads for Real Estate Investors (Sept. 18, 2023)
Wealth Management
SEPTEMBER 18, 2023
With demand driven by the boom in artificial intelligence development, the San Francisco office market is showing signs of life, reports The Wall Street Journal. More than 550 New York office buildings have been identified as candidates for apartment conversions, according to the New York Business Journal. These are among the must reads from the real estate investment world to start the new week.
What Your Financial Statements Are Telling You—And How to Listen!
Speaker: David Worrell, CFO, Author & Speaker
Your financial statements hold powerful insights—but are you truly paying attention? Many finance professionals focus on the income statement while overlooking key signals hidden in the balance sheet and cash flow statement. Understanding these numbers can unlock smarter decision-making, uncover risks, and drive long-term success. Join David Worrell, accomplished CFO, finance expert, and author, for an engaging, nontraditional take on reading financial statements.
Tuesday: Housing Starts
Calculated Risk
SEPTEMBER 18, 2023
From Matthew Graham at Mortgage News Daily: Mortgage Rates Roughly Unchanged After Mid-Day Improvements The average lender was only 0.02% higher than Friday this morning, and the improvement brought them 0.01% lower than Friday. These moves are so small that many borrowers would not see any detectable different in mortgage quotes between today and Friday.
RIA Roundup: Dakota Wealth Management Grows to $3.8B with Jonathan D. Pond Acquisition
Wealth Management
SEPTEMBER 18, 2023
Dakota Wealth, Mariner, Paragon, Cetera, tru Independence and Osaic all added advisors this week, while Berthel Fisher and Dynasty Financial Partners announced some executive changes.
Cleveland Fed: Median CPI increased 0.3% and Trimmed-mean CPI increased 0.3% in August
Calculated Risk
SEPTEMBER 18, 2023
Note: I didn't update this last week. The Cleveland Fed released the median CPI and the trimmed-mean CPI. According to the Federal Reserve Bank of Cleveland, the median Consumer Price Index rose 0.3% in August. The 16% trimmed-mean Consumer Price Index also increased 0.3% in August. "The median CPI and 16% trimmed-mean CPI are measures of core inflation calculated by the Federal Reserve Bank of Cleveland based on data released in the Bureau of Labor Statistics’ (BLS) monthly CPI report".
Moody’s, S&P Look to Possible Downgrades of Cetera Debt
Wealth Management
SEPTEMBER 18, 2023
The ratings agencies are concerned that Cetera’s planned acquisition of Avantax could weaken its financial profile.
Are Robots Replacing You? Keeping Humans in the Loop in Automated Environments
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
Lawler: Early Read on Existing Home Sales in August and Some New Household/Housing Stock Data
Calculated Risk
SEPTEMBER 18, 2023
Today, in the Calculated Risk Real Estate Newsletter: Lawler: Early Read on Existing Home Sales in August and Some New Household/Housing Stock Data A brief excerpt: From housing economist Tom Lawler: Based on publicly-available local realtor/MLS reports released across the country through today, I project that existing home sales as estimated by the National Association of Realtors ran at a seasonally adjusted annual rate of 4.07 million in August, unchanged from July’s preliminary pace and down
RPA Conversations: Jonathan Young
Wealth Management
SEPTEMBER 18, 2023
Capital Group's Jonathan Young discusses the latest retirement plan trends.
Monday links: the call of adventure
Abnormal Returns
SEPTEMBER 18, 2023
Strategy Why selling a stock is harder than buying. (flyoverstocks.com) Rebalancing frequency is less important than actually rebalancing. (obliviousinvestor.com) Five excuses that people use to excuse wrong predictions. (mrzepczynski.blogspot.com) Companies What does Disney ($DIS) look like without its legacy media businesses? (cnbc.com) Will Amazon ($AMZN) ever find a fourth pillar for its business?
LPL Lures $1.2B Morgan Stanley Veterans
Wealth Management
SEPTEMBER 18, 2023
Recruited away from Morgan Stanley, Los Angeles-based The Francis Group is the latest team to join LPL’s SWS division, the IBD’s premium affiliation model that went live in April 2020.
Book of Secrets on the Month-End Close
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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.
10 Monday AM Reads
The Big Picture
SEPTEMBER 18, 2023
My morning train WFH reads: • A 3% Mortgage Rate in a 7% World? This Startup Says It Can Do That : Loan assumptions, which let a home buyer essentially take over a seller’s mortgage, are hard to find and hard to pull off. ( Wall Street Journal ) • Why the UAW Strike Isn’t the Biggest Problem for Ford and GM : The labor action highlights the biggest issue: Can the auto makers afford to spend what it takes to thrive in the new world of EVs?
What Donors’ Advisors Should Know About Charitable Gift Annuities
Wealth Management
SEPTEMBER 18, 2023
Adhere to state and federal laws when operating a CGA program.
But, But, What about Buffett and Lynch?
Advisor Perspectives
SEPTEMBER 18, 2023
If someone’s good enough to regularly trounce the market, they don’t want your money.
Planning for Future Probate Matters to Improve Results
Wealth Management
SEPTEMBER 18, 2023
Martin M. Shenkman and Joy Matak share how you can help a family navigate the host of tax decisions to be made after the death of a loved one.
Stop Falling Short When It Matters Most—The Elite Advisor’s Playbook to Success
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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?
Talk Your Book: Customizing Alternatives
A Wealth of Common Sense
SEPTEMBER 18, 2023
Today’s Talk Your Book is presented by GLASfunds: On today’s show, we are joined again by Brett Hillard, CIO of GLASfunds to discuss an update on investing in alternatives. On today’s show, we discuss: Who GLASfunds is, and what they do GLASfunds vs. a feeder-fund Wealth management vs. institutional investment in alternatives How advisors are utilizing GLASfunds Investing in alternatives in a rising-.
Charitable Giving Trends: A Brief Overview
Wealth Management
SEPTEMBER 18, 2023
The Giving USA Report provides insights to help meet our clients’ situations and goals.
How First Impressions Can Drive the Value of Your Business
Integrity Financial Planning
SEPTEMBER 18, 2023
The initial impression customers have of your business often influences how much they decide to spend with your company. This is well known, but have you ever considered how first impressions affect the way potential investors value your business? When raising capital, investors’ initial perception of your business significantly impacts their valuation, affecting both the equity you’ll need to give up for growth and the company’s value when selling.
Defining a Philanthropic Legacy Through Donor Intent
Wealth Management
SEPTEMBER 18, 2023
A critical step in the giving process.
Demo SkyStem’s Award Winning Month-End Close Solution & Earn $100
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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.
Market Commentary: More Seasonal Choppiness
Carson Wealth
SEPTEMBER 18, 2023
Stocks continue to trade in a choppy range after the best seven-month start to a year since 1997. August and September tend to see seasonal weakness, and this is playing out once again as expected. Bullish investors may view this as encouraging, as they would prefer to see stocks catch their breath before an eventual move higher, which we still expect over the coming months.
Note From the Editor: October 2023
Wealth Management
SEPTEMBER 18, 2023
Editor in Chief Susan R. Lipp discusses this month's issue.
The Outlook for Alternative Investments
Advisor Perspectives
SEPTEMBER 18, 2023
Managing volatility is a high priority for advisors. The right investments can stabilize a portfolio and dampen volatility, while keeping goals on track. Increasing bond allocations used to be the standard way to reduce volatility, but with bonds more correlated to equities, their diversification value has decreased. With high inflation, bonds also aren’t providing enough real income for many investors.
Tax Law Update: October 2023
Wealth Management
SEPTEMBER 18, 2023
David A. Handler and Alison E. Lothes highlight the most important tax developments of the past month.
Next-Level Fraud Prevention: Strategies for Today’s Threat Landscape
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.
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