Nerd's Eye View

DECEMBER 30, 2024

Each week in Weekend Reading For Financial Planners, we seek to bring you synopses and commentaries on 12 articles covering news for financial advisors including topics covering technical planning, practice management, advisor marketing, career development, and more.

Financial Advisor 240

Financial Advisor Insurance Tax Planning Taxes 240

Nerd's Eye View

DECEMBER 27, 2024

Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that according to a recent study by DeVoe & Company, only 42% of RIAs surveyed have written succession plans and either have begun to implement them or have already done so.

Financial Planner 246

Financial Planner Insurance Coverage Insurance Valuation 246

The Big Picture

JANUARY 2, 2025

Random events can and will completely derail the best laid plans we may make. Or, as John Kenneth Galbraith observed, The only function of economic forecasting is to make astrology look respectable. ~~~ Public Enemy’s 13th album was titled “ Man Plans, God Laughs.” And randomness is served up daily.

Banking 345

Banking Planning Economics Investing 345

Nerd's Eye View

JANUARY 7, 2025

What's unique about Pete, though, is how he has grown his firm by exploring with clients how they can align their portfolios with their own personal values, effectively allowing their investments to become an expression of the types of businesses they want their capital to support… while still ensuring their overall portfolio is still well-diversified, (..)

Investing 240

Investing Investments Clients Risk Tolerance 240

Nerd's Eye View

MARCH 3, 2025

This month's edition kicks off with the news that Morningstar Office will be shutting down in early 2026 as a part of Morningstar's ongoing effort to refocus on its core investment data and analytics business – forcing advisors currently using the tool to switch (which might be a net positive for many of those advisors who have long complained (..)

Estate Planning 173

Estate Planning Portfolio Management Communication Planning 173

Wealth Management

NOVEMBER 4, 2024

Greater customization and fewer fees are behind the preference.

Financial Advisor 264

Financial Advisor Portfolio Planning 264

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

Calculated Risk

DECEMBER 23, 2024

According to MBAs estimate, 250,000 homeowners are in forbearance plans. Ginnie Mae loans in forbearance increased by 5 basis points to 1.11%, and the forbearance share for portfolio loans and private-label securities (PLS) decreased 1 basis point to 0.42%. Mortgage servicers have provided forbearance to approximately 8.5

Portfolio 147

Portfolio Government Planning Numbers 147

Abnormal Returns

MARCH 10, 2025

(citywire.com) The latest in advisor fintech news including saturation in the portfolio management tech space. 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.

Estate Planning 162

Estate Planning Retirement Planning CFP Portfolio Management 162

Wealth Management

NOVEMBER 4, 2024

Greater customization and fewer fees are behind the preference.

Financial Advisor 245

Financial Advisor Portfolio Planning 245

Nerd's Eye View

APRIL 2, 2025

For many financial advisors, a core part of the retirement planning process involves simulating whether the client's assets will last through retirement. For example, when clients can see how their plan might have fared during a historical market downturn they already recognize, it becomes easier to imagine how they might respond and adapt.

Retirement 130

Retirement Clients Retirement Planning Marketing 130

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

Calculated Risk

MARCH 17, 2025

From the MBA: Share of Mortgage Loans in Forbearance Decreases Slightly to 0.38% in February The Mortgage Bankers Associations (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 2 basis points from 0.40% of servicers portfolio volume in the prior month to 0.38% as of February 28, 2025.

Portfolio 124

Portfolio Numbers Insurance Planning 124

Calculated Risk

NOVEMBER 18, 2024

According to MBA’s estimate, 235,000 homeowners are in forbearance plans. Ginnie Mae loans in forbearance increased by 30 basis points to 1.06%, and the forbearance share for portfolio loans and private-label securities (PLS) increased 6 basis points to 0.43%. Mortgage servicers have provided forbearance to approximately 8.4

Portfolio 147

Portfolio Planning Numbers Economics 147

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. We focus on outliers while ignoring the mundane.

Investing 317

Investing Investments Math Media 317

Calculated Risk

DECEMBER 19, 2022

According to MBA’s estimate, 350,000 homeowners are in forbearance plans. Ginnie Mae loans in forbearance increased 5 basis points to 1.46%, and the forbearance share for portfolio loans and private-label securities (PLS) declined 6 basis points to 0.97%. emphasis added Click on graph for larger image.

Government 344

Government Portfolio Planning Numbers 344

The Big Picture

DECEMBER 30, 2024

He co-authored Investment Analysis and Portfolio Management , now in its fifth edition. Zeikel famously shared his investing insights in a 1994 letter to his daughter: “Personal portfolio management is not a competitive sport. Most investors underestimate the stress of a high-risk portfolio on the way down.

Investing 147

Investing Investments Risk Tolerance Portfolio Management 147

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.

Portfolio 321

Portfolio Planning Numbers 321

Wealth Management

NOVEMBER 6, 2023

The CEO of Banrion Capital Management discusses the importance of alternative investments in portfolio planning.

Investing 328

Investing Investments Portfolio Planning 328

Random Roger's Retirement Planning

MARCH 12, 2025

Let's dig in some more on Permanent Portfolio quadrant style. Next is the allocation for the United States Sovereign Wealth Fund ETF that I made up a few days ago and next to that is my most recent attempt from November to recreate the Cockroach Portfolio which is managed by Mutiny Funds. That is a very specialized type of result.

Portfolio 59

Portfolio Taxes Numbers Investing 59

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

Abnormal Returns

MARCH 31, 2025

open.spotify.com) Robinhood What to think of Robinhood's ($HOOD) push into portfolio management. citywire.com) Training A plan to build skills for the first-year associate adviser. thinkadvisor.com) Robinhood ($HOOD) is taking different bites at the wealth management apple.

Wealth Management 147

Wealth Management Financial Advice Portfolio Management Consulting 147

Calculated Risk

MARCH 20, 2023

From the MBA: Share of Mortgage Loans in Forbearance Decreases to 0.60% in February The Mortgage Bankers Association’s (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 4 basis points from 0.64% of servicers’ portfolio volume in the prior month to 0.60% as of February 28, 2023.

Portfolio 303

Portfolio Planning Government Banking 303

Abnormal Returns

DECEMBER 18, 2024

Just a 10-Step Plan to Create Your Rich Life Together." barrons.com) Don't let bad energy ruin your portfolio. theretirementmanifesto.com) How to think about retirement planning even though it may be decades off. morningstar.com) Katie Gatti Tassin talks with Ramit Sethi author of "Money for Couples: No More Stress.

Retirement Planning 130

Retirement Planning Retirement Valuation Insurance 130

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

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

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

Calculated Risk

JANUARY 21, 2025

From the MBA: Share of Mortgage Loans in Forbearance Decreases Slightly to 0.47% in December The Mortgage Bankers Associations (MBA) monthly Loan Monitoring Survey revealed that the total number of loans now in forbearance decreased by 3 basis points from 0.50% of servicers portfolio volume in the prior month to 0.47% as of December 31, 2024.

Portfolio 124

Portfolio Planning Numbers 124

Abnormal Returns

FEBRUARY 14, 2025

citywire.com) This pension fund is adding Bitcoin to its portfolio. axios.com) It's hard to plan when the U.S. (paulkrugman.substack.com) Crypto The SEC could soon allow for in-kind redemptions for Bitcoin and Ethereum ETFs. sherwood.news) VC A slew of unicorns have become zombies. bloomberg.com) AI dominates VC investment.

Advertising 173

Advertising Government Manufacturing Media 173

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. But not this year.

Budgeting 96

Budgeting Financial Planning Estate Planning Planning 96

Abnormal Returns

OCTOBER 23, 2024

(vox.com) Retirement savings The math behind tcontributing to your 401(k) plan. rationalwalk.com) How to fix 401(k) plans for the modern workforce. wsj.com) Estate planning Some Boomers are clinging to their wealth too tightly. awealthofcommonsense.com) Every adult needs an estate plan. signaturefd-3437664.hs-sites.com)

Estate Planning 278

Estate Planning Math Retirement Financial Planning 278

Wealth Management

MARCH 26, 2025

Robinhood Strategies portfolios will include a mix of single stocks and ETFs for a 0.25% annual fee, while the private banking service will include estate planning and tax advice exclusively for Gold members.

Banking 232

Banking Estate Planning Taxes Portfolio 232

Abnormal Returns

NOVEMBER 20, 2024

(cameronhuddleston.com) Five ways to simplify your estate plan. newsletter.theleading-edge.org) Personal finance Why you need guardrails on your portfolio. wsj.com) Philosophy On having some optionality in your financial life. contessacapitaladvisors.com) A common life regret is not being bold enough.

Estate Planning 162

Estate Planning Retirement Marketing Marketing 162

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

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. (podcasts.apple.com) Investing Targeted apathy as an investment philosophy. awealthofcommonsense.com) Life is fulled with speed bumps.

Asset Allocation 162

Asset Allocation Retirement Financial Planning Accounting 162

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

Abnormal Returns

SEPTEMBER 9, 2024

Zack is the Director of Financial Planning and Participant Engagement of Greenspring Advisors. citywire.com) Advisers Why adding alternatives may not do much for portfolios. fa-mag.com) How to use the new digital estate planning platforms. kitces.com) How planning changes for the child-free.

Financial Planner 276

Financial Planner Estate Planning CFP Financial Advice 276