Nerd's Eye View

DECEMBER 11, 2024

The good news is that CMAs can still provide a range of realistic spending limits, and, even better, most financial plans are not static one-and-done roadmaps. Market fluctuations, sequence of returns, and personal spending behaviors all create unpredictable variations that CMAs cannot fully capture. Read More.

Retirement Planning 245

Retirement Planning Retirement Planning Marketing 245

Wealth Management

DECEMBER 15, 2023

Advisors are using Nebo to construct institutional quality, dynamic, real-time model portfolios that are personalized to each client, in a fraction of the time previously required.

Financial Planning 281

Financial Planning Assets Management Planning 281

Nerd's Eye View

NOVEMBER 14, 2023

What's unique about Eric, though, is how he leverages a custom-built financial planning assessment he calls their Financial Prosperity Index, which he gives to both prospective and ongoing current clients so that they can better understand their financial health, target the financial planning domains where clients need the most help, and even more (..)

Financial Planning 246

Financial Planning Clients Planning Financial Advisor 246

Nerd's Eye View

NOVEMBER 19, 2024

What's unique about Anjali, though, is how she has tripled her annual revenue from $250,000 to $750,000 during the past 6 years, while only adding a net of 10 client households (going from 35 to 45 clients in total), by hyperfocusing into her niches of physicians with complex tax needs and small business owners with $5M–$20M of revenue, offering (..)

Clients 244

Clients Financial Advisor Business Planning Taxes 244

The Big Picture

MARCH 18, 2025

Emotional Decision-Making : We make spontaneous decisions for reasons unrelated to our portfolios. Cognitive Deficits : You’re human unfortunately, that hurts your portfolio. Create a financial plan (then stick to it). We mix politics with investing. We behave emotionally. Good Advice : 10. Index (mostly).

Investing 317

Investing Investments Math Media 317

The Big Picture

JANUARY 2, 2025

Not only do many investors pay attention to this guesswork, but some change their portfolios in response to them. This has proven to be an unproductive strategy. ” If you want to read more of the fun details, well, than order the book.

Banking 345

Banking Planning Economics Investing 345

Wealth Management

JANUARY 22, 2024

The new platform is meant to help advisors achieve portfolio personalization at scale, and bridge an industry gap between financial planning and asset allocation.

Asset Allocation 303

Asset Allocation Financial Planning Portfolio Assets 303

International College of Financial Planning

MARCH 12, 2025

What to Do Instead: Diversify your investments: A good portfolio has a mix of equities, debt, gold, and real estate. Final Thoughts: The Path to Financial Security Starts Today Smart financial planning isnt about giving up the things you enjoyits about making informed decisions that align with your goals.

Financial Planning 52

Financial Planning Planning Asset Allocation Financial Advice 52

Nerd's Eye View

DECEMBER 30, 2024

We start with several articles on retirement planning: Why considering a client's retirement time horizon and spending flexibility could lead to more accurate (and often higher) safe withdrawal rates than the simpler "4% rule" Four unique risks retirees face when drawing down their assets, from sequence of returns risk to tax risk, and how financial (..)

Financial Advisor 240

Financial Advisor Insurance Tax Planning Taxes 240

Carson Wealth

JANUARY 23, 2025

When it comes to managing your wealth and pursuing your financial goals, clarity can be key. Enter bucketing, a powerful strategy that helps simplify your financial planning by categorizing your assets into three time-based buckets: today, tomorrow, and the future. What Is Bucketing? Ready to start your bucketing journey?

Financial Planning 52

Financial Planning Planning Risk Tolerance Financial Advisor 52

Random Roger's Retirement Planning

MARCH 15, 2025

You're 81 and been taking income from your portfolio for 15 years, what matters to you more, that you can continue to take what you need from your portfolio or that four year run in your mid-50's when you beat (or lagged) the market? If you're 81 and can no longer meet your income need from your portfolio, that is what matters.

Portfolio 59

Portfolio Medical Marketing Marketing 59

Abnormal Returns

FEBRUARY 26, 2025

ofdollarsanddata.com) Invest time in your life, not in managing your portfolio. humbledollar.com) Personal finance Two questions to ask if you need to re-prioritize your financial plan. timmaurer.com) Financial influencers are not looking out for your best interests. meaningfulmoney.life) Why we keep striving.

Asset Allocation 162

Asset Allocation Retirement Financial Planning Accounting 162

A Wealth of Common Sense

FEBRUARY 13, 2025

Barry Ritholtz joined me on the show this week to discuss questions about timing market corrections with your savings account, how your portfolio should look heading into retirement, managing your parent’s financial plan and how to force yourself into splurging a little when you have more than enough money.

Retirement 116

Retirement Financial Planning Accounting Portfolio 116

Abnormal Returns

FEBRUARY 4, 2024

(humbledollar.com) Are you doing these seven things that represent 'real financial planning'? allstarcharts.com) Four steps to build a no-fuss portfolio including eliminating redundant accounts. blairbellecurve.com) Why investors are pulling money from TIPS ETFs. ft.com) What happens when you stop focusing on the stock market.

Financial Planning 299

Financial Planning Accounting Portfolio Assets 299

Carson Wealth

JULY 3, 2024

There are many financial professionals who are well versed in business exit strategies. There are investment solutions that help minimize the tax implication while aligning with portfolio goals. Many times, financial professional have connections to attorneys and CPA firms to get their clients the service and help they need.

Financial Planning 142

Financial Planning Planning Retirement Planning Tax Planning 142

Dear Mr. Market

DECEMBER 31, 2024

Because when it comes to financial planning, you’re ready to write it downand studies show that writing down your goals makes you 42% more likely to achieve them. Heres your top 10 financial planning checklist for the new year. Review Investment Allocations Markets evolve, and so should your portfolio.

Budgeting 96

Budgeting Financial Planning Estate Planning Planning 96

Nerd's Eye View

OCTOBER 23, 2024

Though in practice, while a 1% AUM fee is a common 'starting point' in the industry, the actual fee structure can vary based on the firm's approach; for example, some firms may reduce the fee for high-net-worth clients, or charge an additional fee for separate and additional services (from deeper financial planning to add-ons like tax preparation).

Clients 246

Clients Financial Advice Financial Planning Financial Advisor 246

Wealth Management

MAY 23, 2023

RIAs should already be providing more than a portfolio and financial plan, say the heads of Morningstar and Pershing X, but will need to do more to capture trillions of assets expected to transfer in the coming years.

Financial Planning 245

Financial Planning Portfolio Assets Planning 245

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

Financial Planning 246

Financial Planning Risk Tolerance Retirement Planning Planning 246

Nerd's Eye View

SEPTEMBER 20, 2023

30 years ago, when financial plans relied mainly on constant investment return projections derived from straight-line appreciation and time-value of money calculations, financial advisors began acknowledging and accounting for the variable and uncertain nature of investment returns.

Retirement 246

Retirement Planning Financial Planning Risk Tolerance 246

The Big Picture

NOVEMBER 15, 2023

The problem is those behaviors are so destructive to a portfolio. 1 We ignore the reality of human behavior, including the need for some thrills and excitement, at the peril of our portfolios. Manage all of the above toward your financial goals and plan. Merely telling people NOT to do those things is ineffective.1

Investing 344

Investing Investments Portfolio Economics 344

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. However, the results of these simulations generally don't account for potential adjustments that could be made along the way (e.g.,

Communication 246

Communication Clients Financial Planning Risk Tolerance 246

The Big Picture

SEPTEMBER 28, 2022

What is in your control : Your Portfolio : You want to create something robust enough to withstand drawdowns and recessions; not necessarily the best possible set of assets but the ones you can live with day in and day out. Portfolio. Financial Plan. Federal Reserve. Corporate Earnings. Volatility. Interest Rates.

Asset Allocation 342

Asset Allocation Financial Planning Assets Media 342

Nerd's Eye View

MAY 17, 2024

Also in industry news this week: The SEC this week announced a proposed rule that would require RIAs to collect and verify their clients' personal information in an effort to prevent illicit activity, though many firms likely are taking many of these steps already Why larger RIAs and those that have been acquired tend to have worse client and staff (..)

Financial Planner 238

Financial Planner Wealth Management Retirement Investment Planning 238

Nerd's Eye View

SEPTEMBER 19, 2022

2022 marks the 50 th anniversary of the enrollment of students into the first Certified Financial Planner (CFP) course, and in the years since then, financial planning (and the process of creating a financial plan) has changed extensively.

Financial Planner 245

Financial Planner Certified Financial Planner Financial Planning CFP 245

Abnormal Returns

SEPTEMBER 9, 2024

Podcasts Michael Kitces talks financial wellness with Zack Hubbard. Zack is the Director of Financial Planning and Participant Engagement of Greenspring Advisors. youtube.com) Brendan Frazier talks with Michael Kitces about mastering the human side of financial advice.

Financial Planner 276

Financial Planner Estate Planning CFP Financial Advice 276

Nerd's Eye View

NOVEMBER 28, 2022

Combined with growing advisor (and consumer) interest in comprehensive financial planning services, the number of ways advisors can add value for their clients has expanded greatly.

Fee Only 246

Fee Only Portfolio Clients Planning 246

Abnormal Returns

OCTOBER 23, 2024

(savantwealth.com) Identifying your financial goals isn't always easy. morningstar.com) Not everybody likes to get into the weeds of financial planning. bestinterest.blog) Personal finance Your health matters more than your portfolio. tonyisola.com) How sequence of returns affects savers.

Estate Planning 278

Estate Planning Math Retirement Financial Planning 278

MainStreet Financial Planning

MARCH 12, 2025

This ensures you wont need to sell investments when markets are down, protecting your long-term financial plan and providing peace of mind during turbulent times. Reevaluate Your Asset Allocation If watching your investment portfolio fluctuate causes anxiety, your current allocation might be too aggressive.

Economics 76

Economics Asset Allocation Financial Planning Taxes 76

Nerd's Eye View

AUGUST 2, 2022

What’s unique about Matthew, though, is how he differentiates his firm by offering his high-net-worth clients opportunities to diversify their investment portfolios by syndicating private real estate partnerships that directly purchase individual multi-unit rental properties.

Clients 244

Clients Financial Advisor Financial Planning Planning 244

Nerd's Eye View

JUNE 15, 2023

However, despite efforts to ensure all clients understand the ‘big picture’ of their comprehensive plans, some clients may be tempted by other financial professionals offering attractive investment returns and promising better portfolio performance. Read More.

Clients 242

Clients Investing Investments Communication 242

Tobias Financial

APRIL 8, 2025

At Tobias Financial Advisors, were here to help you navigate times like these with clarity and confidence. Our Portfolio Manager, Chad NeSmith, CFA, CFP was recently quoted in an Associated Press article discussing how retirees are reacting to the market volatility spurred by the latest tariff announcements.

Portfolio 52

Portfolio Risk Tolerance Marketing Marketing 52

Nerd's Eye View

OCTOBER 18, 2022

What's unique about Louis, though, is how he and his partner (in anticipation of a shift in the financial advisory industry to more automated client services nearly 10 years ago) developed a robo-advice technology prototype to help clients have their investments managed at a very low cost… which then struggled to gain traction with consumers, (..)

Financial Planning 130

Financial Planning Planning Management Investing 130

Abnormal Returns

AUGUST 14, 2023

humansvsretirement.com) Corey Hoffstein talks with Martin Tarlie, a Portfolio Manager at GMO, about bridging the gap between financial planning and portfolio management. financial-planning.com) A review of recent adviso rtech news including the compliance landscape for Twitter alternatives.

Portfolio Management 246

Portfolio Management Compliance Portfolio Financial Planning 246

Nerd's Eye View

OCTOBER 5, 2023

For many financial advisors, financial planning advice traditionally focuses on optimization: tax-efficient, continually rebalanced portfolios are often designed to maximize a client's wealth throughout retirement. Then, by assessing the bottom-line impact of reaching their goal on their financial plan (e.g.,

Clients 246

Clients Financial Planning Communication Financial Advisor 246

Nerd's Eye View

MAY 8, 2024

step when onboarding a new client, as making any sort of recommendation is impossible without first understanding how comfortable clients may be when their portfolios inevitably experience volatility. Measuring a client's tolerance for risk is an essential (and required!) Read More.

Clients 246

Clients Risk Tolerance Financial Planning Planning 246

Abnormal Returns

JULY 17, 2024

apolloacademy.com) Investing Balanced portfolios always come with regrets. blairbellecurve.com) Personal finance Luck plays a big role in our financial lives. marknewfield.substack.com) Does your financial plan really reflect who you are? (theverge.com) How the home ownership rate by age has changed.

Retirement 260

Retirement Financial Advisor Financial Planning Portfolio 260