Zoe Financial
JANUARY 28, 2025
Market Timing vs. Time in the Market Updated January 28th, 2025 Reading Time: 4 minutes Written by: The Zoe Team Though these terms may sound similar, market timing is not the same as time in the market. What do these mean, and which is a sounder investment strategy? Lets take a poll. Raise your hand if youve ever heard someone brag about how they bought Amazon stock right before its share price doubled.
Calculated Risk
JANUARY 29, 2025
Today, in the Calculated Risk Real Estate Newsletter: Inflation Adjusted House Prices 1.1% Below 2022 Peak Excerpt: It has been over 18 years since the housing bubble peak. In the November Case-Shiller house price index released yesterday, the seasonally adjusted National Index (SA), was reported as being 77% above the bubble peak in 2006. However, in real terms, the National index (SA) is about 12% above the bubble peak (and historically there has been an upward slope to real house prices).
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Wealth Management
JANUARY 29, 2025
Clearly explaining the technical aspects of the planners proposals aids in the successful implementation of estate plans.
Nerd's Eye View
JANUARY 31, 2025
Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that following the change of administration (and a new incoming chair of the SEC), the Investment Adviser Association is seeking to find ways to help RIAs (particularly smaller firms) manage the compliance responsibilities they face.
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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?
Abnormal Returns
JANUARY 29, 2025
Podcasts Christine Benz and Dan Lefkovitz talk with John Rekenthaler about his long career writing about investing. (morningstar.com) Peter Lazaroff on how much money you need to retire. (peterlazaroff.com) Family Every decision we make has trade-offs: the case for staying home to care for small children. (readthejointaccount.com) When are you children mature enough to discuss estate issues?
Calculated Risk
JANUARY 28, 2025
S&P/Case-Shiller released the monthly Home Price Indices for November ("November" is a 3-month average of September, October and November closing prices). This release includes prices for 20 individual cities, two composite indices (for 10 cities and 20 cities) and the monthly National index. From S&P S&P CoreLogic Case-Shiller Index Records 3.8% Annual Gain in November 2024 The S&P CoreLogic Case-Shiller U.S.
Financial Advisor Source brings together the best content for financial advisor professionals from the widest variety of industry thought leaders.
Nerd's Eye View
JANUARY 29, 2025
As a foundational document, the operating agreement is essential for RIA firms. When thoughtfully drafted, it aligns the interests of the firm's owners, sets clear expectations for operations, and establishes how profits will be distributed. While some RIA owners might be tempted to prioritize moving quickly to the more enjoyable work of providing financial advice, neglecting to thoughtfully draft and update an operating agreement can lead to mismatched expectations, legal risks, and costly disp
Abnormal Returns
JANUARY 28, 2025
Surprises Stuff happens every year that no one foresaw. (ritholtz.com) How markets deal with surprises. (behaviouralinvestment.com) Yesterday shows how dependent the stock market is on the AI theme. (herbgreenberg.com) Strategy Your allocation (or not) to international stocks matters, but not a lot. (ofdollarsanddata.com) Investing success is more about temperament than intelligence.
Calculated Risk
JANUARY 31, 2025
Today, in the Calculated Risk Real Estate Newsletter: Freddie Mac House Price Index Increased in December; Up 4.0% Year-over-year A brief excerpt: Freddie Mac reported that its National Home Price Index (FMHPI) increased 0.54% month-over-month on a seasonally adjusted (SA) basis in December. On a year-over-year basis, the National FMHPI was up 4.0% in December, up from up 3.9% YoY in November.
Wealth Management
JANUARY 31, 2025
The Zelin Group and its five advisors made the move after the lead partner, Jonathan Zelin, had been with Merrill for more than seven years.
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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.
Nerd's Eye View
JANUARY 29, 2025
As a foundational document, the operating agreement is essential for RIA firms. When thoughtfully drafted, it aligns the interests of the firm's owners, sets clear expectations for operations, and establishes how profits will be distributed. While some RIA owners might be tempted to prioritize moving quickly to the more enjoyable work of providing financial advice, neglecting to thoughtfully draft and update an operating agreement can lead to mismatched expectations, legal risks, and costly disp
Abnormal Returns
JANUARY 28, 2025
Lottery-like behavior Does legal sports betting shift manager risk profiles? (papers.ssrn.com) Does high inflation increase gambling like behavior? (papers.ssrn.com) Earnings How highly covered stocks react post-earnings announcement. (klementoninvesting.substack.com) Sell-side analysts do help in assessing earnings reports. (papers.ssrn.com) Why investors shouldn't take growth guidance at face value.
Calculated Risk
JANUARY 31, 2025
The BEA released the Personal Income and Outlays report for December: Personal income increased $92.0 billion (0.4 percent at a monthly rate) in December , according to estimates released today by the U.S. Bureau of Economic Analysis. Disposable personal income (DPI)personal income less personal current taxesincreased $79.7 billion (0.4 percent) and personal consumption expenditures (PCE) increased $133.6 billion (0.7 percent).
Wealth Management
JANUARY 27, 2025
A study by Wilshire Indexes found that while higher allocations brought greater risk-adjusted returns, they also significantly increased risk concentration.
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.
Nerd's Eye View
JANUARY 28, 2025
Welcome everyone! Welcome to the 422nd episode of the Financial Advisor Success Podcast ! My guest on today's podcast is Kay Lynn Mayhue. Kay Lynn is the President of Merit Financial Advisors, a hybrid advisory firm based in Alpharetta, Georgia, that oversees approximately $13 billion in assets under management for 26,000 client households. What's unique about Kay Lynn, though, is how she developed her advisory, management, and leadership skills to work her way up from starting as an intern to e
Abnormal Returns
JANUARY 31, 2025
Strategy Timing the market requires getting two decision right. (awealthofcommonsense.com) On the benefits of embracing failure. (theatlantic.com) Trading Questions remain about how all-day stock trading would work. (on.ft.com) Kalshi is moving to make its contracts available more widely. (nytimes.com) Apple Services revenue keeps growing at Apple ($AAPL).
Calculated Risk
JANUARY 28, 2025
Today, in the Calculated Risk Real Estate Newsletter: Case-Shiller: National House Price Index Up 3.8% year-over-year in November Excerpt: S&P/Case-Shiller released the monthly Home Price Indices for November ("November" is a 3-month average of September, October and November closing prices). November closing prices include some contracts signed in July, so there is a significant lag to this data.
Wealth Management
JANUARY 28, 2025
Ray Dalio warned that the runup in values of AI-tied firms is a reminder of dotcom bubble excesses, reports the Financial Times. Single-stock ETFs magnified some of the losses in markets amid the DeepSeek fallout, according to etf.com. These are among the investment must reads we found this week for wealth advisors.
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
Alpha Architect
JANUARY 31, 2025
In 2024 investors were provided with nine lessons. Many of them are repeats from prior years. Unfortunately, too many investors fail to learn themthey keep making the same errors. Nine Lessons the Market Taught in 2024 was originally published at Alpha Architect. Please read the Alpha Architect disclosures at your convenience.
The Big Picture
JANUARY 29, 2025
LOL Me in a suit and tie! About a decade ago, one of my Bloomberg columns helped kick off a debate about minimum wages and large, for-profit companies using the taxpayer to subsidize their payrolls. This led to much debate, including some embarrassing revelations for Wal-Mart and especially McDonald’s. Ultimately, it led to an appearance on The Daily Show, where I got to spend the better part of the day shooting a remote segment with the delightful Samantha Bee.
Calculated Risk
JANUARY 28, 2025
From the MBA: Delinquency Rates for Commercial Properties Increased in Fourth-Quarter 2024 Delinquency rates for mortgages backed by commercial properties increased during the fourth quarter of 2024, according to the Mortgage Bankers Association's (MBA) latest commercial real estate finance (CREF) Loan Performance Survey. " The delinquency rate for commercial mortgages increased during the final three months of 2024 , with increases across most capital sources and property types, said Mike Frata
Wealth Management
JANUARY 30, 2025
Florida is the best state to retire in in 2025. But after that, states out West like Colorado and Wyoming rank high for retirement.
Speaker: Duke Heninger, Partner and Fractional CFO at Ampleo & Creator of CFO System
Are you ready to elevate your accounting processes for 2025? 🚀 Join us for an exclusive webinar led by Duke Heninger, a seasoned fractional CFO and CPA passionate about transforming back-office operations for finance teams. This session will cover critical best practices and process improvements tailored specifically for accounting professionals.
Fortune Financial
JANUARY 28, 2025
U.S. housing is in an interesting spot. The housing stock is increasingly aged, housing starts are only just beginning to catch up with the long-term average, and mortgage rates are much higher than they have been for years, making homeowners (some 40% of whom now own their homes outright*) reluctant to sell. These factors combine to make for an interesting setup for all sorts of housing-related construction and services as the housing market works to find an equilibrium.
A Wealth of Common Sense
JANUARY 31, 2025
Financial markets are always interesting in the information age because the narratives change even faster than Ali Larter’s mood swings at a family meal in Landman.1 Two years ago everyone was convinced we were going into a recession. It was the most over-forecasted recession of all-time that never happened. Now no one thinks a recession is a possibility and the worries have shifted to concerns about a speculative b.
Calculated Risk
JANUARY 29, 2025
Fed Chair Powell press conference video here or on YouTube here , starting at 2:30 PM ET. FOMC Statement: Recent indicators suggest that economic activity has continued to expand at a solid pace. The unemployment rate has stabilized at a low level in recent months, and labor market conditions remain solid. Inflation remains somewhat elevated. The Committee seeks to achieve maximum employment and inflation at the rate of 2 percent over the longer run.
Wealth Management
JANUARY 27, 2025
The volume of fundraising for alternative investment vehicles through the retail channel reached $122 billion, reports Robert A. Stanger & Co.
Speaker: Abdi Ali, Sr. Lease Accounting Consultant
Join this insightful webinar with industry expert Abdi Ali, who will discuss the challenges that can arise from managing lease accounting with spreadsheets! He will share real-world examples of errors, compliance issues, and risks that may be present within your spreadsheets. Learn how these tools, while useful, can sometimes lead to inefficiencies that affect your time, resources, and peace of mind.
Advisor Perspectives
JANUARY 30, 2025
The National Association of Realtors® (NAR)unexpectedly fell 5.5% in December to 74.2, the first monthly decline since July. Pending home sales were expected to be unchanged from the previous month. The index is down 5.0% from one year ago.
Million Dollar Round Table (MDRT)
JANUARY 26, 2025
By Amy Wakem During the 20 years of being a financial advisor, my agency has gone through a lot of transitions. And I’ve been asked a few times, At what point did your numbers start becoming consistent and you were making MDRT regularly? Our production became more consistent when we started becoming deliberate with the words we use when interacting with prospects or clients.
Calculated Risk
JANUARY 28, 2025
Note: Mortgage rates are from MortgageNewsDaily.com and are for top tier scenarios. Wednesday: At 7:00 AM ET, The Mortgage Bankers Association (MBA) will release the mortgage purchase applications index. At 2:00 PM, FOMC Meeting Announcement. No change to policy is expected. At 2:30 PM, Fed Chair Jerome Powell holds a press briefing following the FOMC announcement.
Wealth Management
JANUARY 30, 2025
Steward Partners' Scott Danner discusses the current trends impacting M&A in the RIA space.
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Change is difficult, whether in our private or work life. However, without change, growth and learning are difficult not to mention keeping up with the market and staying competitive. We have all worked for or ourselves are the bosses that prefer to keep the status quo. We will discuss how to address the "change challenge" to enable you to be a changemaker and a graceful recipient of change.
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