Here are six steps to implement multiple niches, bring in new clients, and accelerate their growth goals.
No advisor would dream of engaging in the kind of behavior that occurred at Purdue University in early December.
A recession is two consecutive quarters of economic contraction.
If you are competing with the best of the best, how do you rise above the competition?
Paying down student debt or saving for retirement can seem like mutually exclusive goals. A little-known workplace benefit could soon allow more workers to do both.
The problem with speculation is that there’s usually a gap between the underlying risk and the inevitable outcome.
Behind the five-decade low US unemployment rate of 3.5% lies a 2.6 million-person mystery.
Advisors must redesign their entire approach, starting from the client's point of view.
Let me share a story of an RIA who will be forced to mount a legal defense because of a lawsuit that is likely to be filed by two of his retired clients.
Note: This commentary has been updated with the latest numbers from the latest Employment Report for December. Consider: Today nearly one in three of the 65-69 cohort and one in five of the 70-74 cohort are in the labor force.
I've put together four steps to grow your client base – this month.
Here’s a worthy goal to contemplate for 2023: Reduce stress and anxiety in your life, especially from family. The benefits of achieving this goal are significant.
The California Public Employees’ Retirement System is making a $1 billion wager that small private equity firms without the heft of the biggest buyout institutions can boost the pension giant’s returns and clout.
Tight monetary policy and rising government debt will drive a regime of high interest rates, depressing stock prices and destroying the wealth of clients, most severely those at or near retirement.
The $6.5 trillion US ETF industry boomed in 2022 as innovative product debuts and market volatility fueled a near-record number of launches. But the fanfare revealed a major flaw in the space: the lack of women helming the funds.
Relative to the accumulation phase, strategies that mitigate the unique risks faced by retirees in decumulation are less understood and researched. By identifying and illustrating those risks, planners can better prepare clients for retirement.
Bear markets end with widespread capitulation while a chorus of the stock trader’s prayer (God, if you get me out of this mess, I swear I will never buy another stock) spreads through out the land.
Enjoy the latest Newsletter from Harold Evensky.
Congress is on the verge of passing a bill called SECURE 2.0 to help American workers save for retirement.
The end of 2022 can’t come soon enough for many in the banking industry. Sputtering capital markets, job cuts, raging inflation, the crypto meltdown and rising interest rates marked a year of upheaval.
Over the years, clients have told me what resonated when I spoke to them. But there have been three situations that go beyond my expertise and ability to be helpful.
Allan Roth’s recent article, The 4% Rule Just Became a Whole Lot Easier, promises too much, makes inaccurate comparisons and blurs the notion of risk.
“I have never seen so much bearishness in the market,” Jeremy Siegel said, “which is a great sign for stock investors.”
It’s common knowledge that, for many Americans, the greatest fear is outliving their retirement nest eggs. With retirement having the potential to stretch for decades, it’s no wonder people are worried. But for women, the risk of not having adequate funds for retirement is even greater than it is for men. As advisors, we must understand and address the financial planning challenges unique to women.
Here are four questions independent financial advisors should ask before choosing a TAMP.
The Twitter chatter of Ford Chief Executive Officer Jim Farley is good vibes only: factory photos, race tracks, corporate boosterism and a lot of retweets of Ford customers gushing about their vehicles. It’s all cars, and it’s all anodyne.
The following is a loose collection of random thoughts and observations on the Russian invasion of Ukraine. Rather than a coherent article, I offer some insights that have emerged as the war has dragged on.
Here are three signals people use to let you know when they are feeling pushed.
If you aren’t willing to niche, at least decide whether you are trying to help your clients thrive or survive. Then build a message around one of those themes. Are you selling them life rafts (survive) or sailboats (thrive)?
Despite stubbornly high inflation and recessionary fears, spending by consumers may not slow down as we approach the busy holiday shopping season.
Our annual ESG manager survey of active managers assesses the integration of ESG considerations in investment processes among equity, fixed income and private markets managers, and spotlights firmwide policies, use of data, engagement and integration.
How will you leverage networking’s holiday season grand finale without being perceived as the friend who is desperate for business?
Here are some of the cues that indicate a prospect has accepted what you have presented and want you to move on to the next step.
The overriding story of Vietnam is the triumph of free markets over communism.
What problem could be solved or what issue or challenge could be addressed that would offer wide appeal to the expansive advisor community? The answer that made sense to me was financial education.
Here are some suggestions to consider when remarrying.
It took 16 months to pay off my husband’s student loans after we got married.
As veterans of this male-dominated industry, we have faced our fair share of challenges and uncertainty. However, that led us to venture out on our own and start solo planning firms.
Few would disagree that the period from 1870-2010 saw immense technological advancements that improved our quality of life. But, according to Bradford DeLong, far fewer advances lie ahead, and societies should adapt by “slouching” away from a free-market system. He’s wrong on both counts.
This is Advisor Perspectives' fourth consecutive year of ranking ahead of The Wall Street Journal and Bloomberg among the e-newsletters listed, with 14% more readership across the 1,120 financial advisors surveyed. Advisor Perspectives also claimed the number one spot for e-newsletters among the independent registered investment advisor (RIA) segment.
Reg BI is the most divisive issue in the fiduciary discussion and was a focus of the discussion during September’s event.
I know what you’re thinking: “Longevicide? What is that?”
Here are five steps female financial advisors should take when putting a continuity plan in place for their firm.
What will happen to the clients of advisors who don’t have a formal succession plan in place?
The Harvard Business Review is celebrating its 100th birthday with a fat book of its most influential and innovative articles and an electronic fanfare of videos, charts and online articles.
Today I want to talk about why the labor market is so out of balance. Some of this is new and some has been brewing for many years. We will end with some commentary on yesterday’s unemployment report.
Fidelity Investments and Vanguard announced a rare collaborative effort Wednesday to help employees keep their retirement savings in tax-advantaged accounts like 401(k)s when they switch jobs.
The search for information and direction about financial assistance and special-needs planning can be especially frustrating for caregivers.
Most seers believe the US labor market is overly strong.
What are the worst ROI marketing tactics advisors are taking on today? Behold, the top four.
Insurance protects against losses – fires, floods or a wrecked car. Because of the life-altering consequences of such as loss, clients rarely question the cost of the insurance. When viewed through an analogous framework, the cost of lifetime-income insurance, such as a GLWB, is fairly priced.
Compared to the dotcom and great financial crisis recessions, our fiscal and monetary response over the last two years has been far more aggressive. But the true cost – in terms of inflation – presents a more threatening risk.
When you choose a client niche, you may find that the focus is too narrow or too broad. Here’s how you can remedy the situation.
I need someone to tell me if it’s time to get off this treadmill or if things will change and I can go back to being exhausted only on Thursdays and Fridays instead of every day of the week.
The IRA impacts everyone, but the healthcare portions of it mean substantial changes to the way advisors incorporate healthcare costs into their financial plans for clients who are retired, on Medicare, or are still working.
Millennials are self-centered and allergic to commitment. They switch jobs every six months and will never buy homes. And don’t get them started on marriage and kids.
Shortfalls in retirement savings have been widely regarded as a crisis of our times.
Americans in their early 60s are pretty close to record labor-force participation, too. The big declines are all among those 65 and older.
Even as flows into environmental, social and governance ETFs are slowing, Emerge is introducing its first set of active sustainable ETFs with a twist -- each fund will be overseen by women.
My article, “The Trial of Ken Fisher for Crimes Against Annuities,” marked the beginning of my effort to aggressively defend annuities against criticisms that had become too exaggerated, too longstanding, and too inaccurate to be left unchallenged.
When Naeche Vincent’s employer told her she had to start coming to the office last year, she decided to make a TikTok video about preparing to step foot inside the Wall Street investment bank for the first time.
We have a team of advisors who are the kings and queens of gossip.
A strong culture is key to inspiring the team and workplace of tomorrow.
When it comes to choosing Medicare Supplement plan options, new-to-Medicare beneficiaries are opting for lower cost plans. During the first six months of 2022, some 38% opted for Medigap Plan N. Just over half (51%) selected Plan G coverage. Nearly 6% enrolled in a High Deductible Plan G (HDG) plan.
My guests today will discuss those and other trends in Medicare planning and how advisors can best help their clients with their healthcare needs.
This is part 1 of Volume I Issue VI of the Macro Value Monitor, a publication focusing on Monetary History, Market Myths, Investing Legends, and Real Global Value.
Are high-deductible or low-deductible Medicare supplemental plans better?
In the current unstable economic environment, producing safe, reliable income over the course of an unknown retirement is a daunting goal for any financial professional. As a result, many Americans sub-optimize their retirement experience.
Demography isn’t destiny. If population size was history’s major determinant, China might have conquered Europe in the 15th century, and Britain certainly would not have conquered India in the 18th.
The latest data shows inflation is still with us at an 8.5% annual rate. That means we can expect the Fed to keep tightening, trying to reduce demand and relieve pressure on consumer prices.
When it comes to a comfortable retirement, women in the US have the cards stacked against them.
Let's examine why communities are so important for women in finance and explore three of the top benefits of joining one.
Each generation is destined to repeat the struggles of the generations that came before it. And you can’t escape. You can’t be different – though you’ll try. Everybody tries.
Having a strong marketing foundation requires the following four cornerstones to make the tactics and strategies you implement effective.
For some reason, people are feeling good. Animal spirits are on the run.
After the US saw inflation hit its highest levels in 40 years (since the bond bull market started), fueling bets that the Federal Reserve would embark on the most aggressive tightening campaign in a generation, it seemed that the bear market had finally started.
Here are nine little-known high-earning professions you should be considering as target markets.
We never get too old for stories. And especially in the current volatile market, our clients benefit greatly from hearing a story like Dimensional’s – which gets better the longer it continues.
When starting with a niche, you may find it difficult to produce topics for your content marketing. To get ideas, take notes about what your prospects are talking about. This article covers specific points to create an effective content strategy.
Marriage in the US also unlocks an under-discussed retirement option: the spousal IRA.
The Financial Alliance for Racial Equity (FARE) and the CFP Board Center for Planning collaborated on one such scholarship, Financial Alliance for Racial Equity CFP® Certification Diversity Scholarship, which was created to financially assist seven Black and African American candidates on their journey to becoming a certified CFP® professional.
When creating your marketing message for your niche, you want to articulate the one unique problem your niche faces. Here are questions to help you address that overriding problem.
What would be the impact on your business if $34 trillion in wealth assets were destroyed over the next several months?
After a working life of hard graft, it is only natural to look forward to health, wealth and happiness in retirement.
What started out as re-entering the workforce opportunistically soon became a necessity.
Most people budget not for true emergencies — which are, thankfully, rare — but for what we might call predictable surprises.
I assume that we know when we are engaged in efforts to mislead. But what if that premise is false? What if we believe our lies?
We discuss the recent news of JP Morgan’s spoofing and why the monetary metals are behaving so oddly.
Shinzo Abe's policies had a substantial impact both in Japan and around the world.
Most advisory firms that specialize in wealth management use three technology platforms: financial planning software, portfolio accounting software, and a CRM software. Let's take a closer look at the functionalities and costs of each.
These people, whose very job is to know the lessons of the past, either forgot them or chose to ignore them. Today we’ll look at how this manifested in the 2008 crisis period—and set up the conditions we face today.
Divorce
An Uncommon Approach to Implementing Multiple Niches
Here are six steps to implement multiple niches, bring in new clients, and accelerate their growth goals.
Lessons from a Deeply Offensive Gaffe
No advisor would dream of engaging in the kind of behavior that occurred at Purdue University in early December.
Recession Fear Investing
A recession is two consecutive quarters of economic contraction.
What it Takes to Be an Elite Advisor
If you are competing with the best of the best, how do you rise above the competition?
How to Save for Retirement by Paying Down Your Student Loans
Paying down student debt or saving for retirement can seem like mutually exclusive goals. A little-known workplace benefit could soon allow more workers to do both.
Pushing Your Luck
The problem with speculation is that there’s usually a gap between the underlying risk and the inevitable outcome.
Job Market's 2.6 Million Missing People Unnerves Star Harvard Economist
Behind the five-decade low US unemployment rate of 3.5% lies a 2.6 million-person mystery.
To Deliver a Transformative Experience Think Like a Client
Advisors must redesign their entire approach, starting from the client's point of view.
Will RIAs be Liable for Failed Retirement Income Planning?
Let me share a story of an RIA who will be forced to mount a legal defense because of a lawsuit that is likely to be filed by two of his retired clients.
Demographic Trends for the 50-and-Older Work Force
Note: This commentary has been updated with the latest numbers from the latest Employment Report for December. Consider: Today nearly one in three of the 65-69 cohort and one in five of the 70-74 cohort are in the labor force.
Four Steps to Grow Your Client Base
I've put together four steps to grow your client base – this month.
The New Year’s Resolution That Will Change Your Life
Here’s a worthy goal to contemplate for 2023: Reduce stress and anxiety in your life, especially from family. The benefits of achieving this goal are significant.
Calpers Makes $1 Billion Bet on Small Funds as New CIO Reshapes Pension
The California Public Employees’ Retirement System is making a $1 billion wager that small private equity firms without the heft of the biggest buyout institutions can boost the pension giant’s returns and clout.
Plan for More Wealth Destruction
Tight monetary policy and rising government debt will drive a regime of high interest rates, depressing stock prices and destroying the wealth of clients, most severely those at or near retirement.
Women Rarely Manage ETFs. Meet the Team Looking to Change That
The $6.5 trillion US ETF industry boomed in 2022 as innovative product debuts and market volatility fueled a near-record number of launches. But the fanfare revealed a major flaw in the space: the lack of women helming the funds.
The Four Unique Risks in Decumulation
Relative to the accumulation phase, strategies that mitigate the unique risks faced by retirees in decumulation are less understood and researched. By identifying and illustrating those risks, planners can better prepare clients for retirement.
The 70% Solution
Bear markets end with widespread capitulation while a chorus of the stock trader’s prayer (God, if you get me out of this mess, I swear I will never buy another stock) spreads through out the land.
NewsLetter - December 2022
Enjoy the latest Newsletter from Harold Evensky.
SECURE 2.0 Act Still Leaves Holes in US Retirement Plans
Congress is on the verge of passing a bill called SECURE 2.0 to help American workers save for retirement.
Recession, Rate Hikes, Diversity- What's Ahead for Banks in 2023
The end of 2022 can’t come soon enough for many in the banking industry. Sputtering capital markets, job cuts, raging inflation, the crypto meltdown and rising interest rates marked a year of upheaval.
Three Situations When You Shouldn’t Advise Clients
Over the years, clients have told me what resonated when I spoke to them. But there have been three situations that go beyond my expertise and ability to be helpful.
The 4% Rule Did Not Become a Whole Lot Easier
Allan Roth’s recent article, The 4% Rule Just Became a Whole Lot Easier, promises too much, makes inaccurate comparisons and blurs the notion of risk.
Jeremy Siegel: The Excessive Bearishness is Great for Equity Investors
“I have never seen so much bearishness in the market,” Jeremy Siegel said, “which is a great sign for stock investors.”
Financial Planning for Female Clients
It’s common knowledge that, for many Americans, the greatest fear is outliving their retirement nest eggs. With retirement having the potential to stretch for decades, it’s no wonder people are worried. But for women, the risk of not having adequate funds for retirement is even greater than it is for men. As advisors, we must understand and address the financial planning challenges unique to women.
Four Questions to Ask Before Selecting a TAMP
Here are four questions independent financial advisors should ask before choosing a TAMP.
Elon Musk’s Twitter Is Full of People Swearing Off Tesla
The Twitter chatter of Ford Chief Executive Officer Jim Farley is good vibes only: factory photos, race tracks, corporate boosterism and a lot of retweets of Ford customers gushing about their vehicles. It’s all cars, and it’s all anodyne.
Random Thoughts on the Russian War in Ukraine (Hint: It’s Not Going Well for Russia)
The following is a loose collection of random thoughts and observations on the Russian invasion of Ukraine. Rather than a coherent article, I offer some insights that have emerged as the war has dragged on.
Three Signals that a Prospect Feels “Pushed”
Here are three signals people use to let you know when they are feeling pushed.
Are You Selling Life Rafts or Sailboats?
If you aren’t willing to niche, at least decide whether you are trying to help your clients thrive or survive. Then build a message around one of those themes. Are you selling them life rafts (survive) or sailboats (thrive)?
U.S. Consumers Defy The Odds Ahead Of The Holiday Shopping Season
Despite stubbornly high inflation and recessionary fears, spending by consumers may not slow down as we approach the busy holiday shopping season.
2022 Annual ESG Survey: The ESG Journey Accelerates
Our annual ESG manager survey of active managers assesses the integration of ESG considerations in investment processes among equity, fixed income and private markets managers, and spotlights firmwide policies, use of data, engagement and integration.
Preparing for Networking’s Grand Finale
How will you leverage networking’s holiday season grand finale without being perceived as the friend who is desperate for business?
Seven Non-Verbal Signals that a Prospect Likes What You are Saying
Here are some of the cues that indicate a prospect has accepted what you have presented and want you to move on to the next step.
Reflections on Vietnam
The overriding story of Vietnam is the triumph of free markets over communism.
How a Nasty Exchange on LinkedIn Led to a New Non-Profit
What problem could be solved or what issue or challenge could be addressed that would offer wide appeal to the expansive advisor community? The answer that made sense to me was financial education.
Financial Tips for Couples Getting Remarried in their Retirement
Here are some suggestions to consider when remarrying.
Being Single Is Getting a Lot More Expensive
It took 16 months to pay off my husband’s student loans after we got married.
The Benefits of Independence as a Female Advisor
As veterans of this male-dominated industry, we have faced our fair share of challenges and uncertainty. However, that led us to venture out on our own and start solo planning firms.
Is the “Long Boom” of Technological Advancements Over?
Few would disagree that the period from 1870-2010 saw immense technological advancements that improved our quality of life. But, according to Bradford DeLong, far fewer advances lie ahead, and societies should adapt by “slouching” away from a free-market system. He’s wrong on both counts.
Advisor Perspectives Named Most Read E-Newsletter for Financial Advisors for Fourth Consecutive Year By Erdos & Morgan
This is Advisor Perspectives' fourth consecutive year of ranking ahead of The Wall Street Journal and Bloomberg among the e-newsletters listed, with 14% more readership across the 1,120 financial advisors surveyed. Advisor Perspectives also claimed the number one spot for e-newsletters among the independent registered investment advisor (RIA) segment.
What We Learned in Fiduciary September
Reg BI is the most divisive issue in the fiduciary discussion and was a focus of the discussion during September’s event.
Longevicide Will Erode Clients and Assets
I know what you’re thinking: “Longevicide? What is that?”
Continuity Planning for Female Advisors
Here are five steps female financial advisors should take when putting a continuity plan in place for their firm.
Solving the Succession Planning Problem Through Partnership
What will happen to the clients of advisors who don’t have a formal succession plan in place?
Five Ideas That Will Reshape Capitalism’s Next Century
The Harvard Business Review is celebrating its 100th birthday with a fat book of its most influential and innovative articles and an electronic fanfare of videos, charts and online articles.
Where Are the Workers?
Today I want to talk about why the labor market is so out of balance. Some of this is new and some has been brewing for many years. We will end with some commentary on yesterday’s unemployment report.
Retirement Giants Band Together to Help Job-Switchers Transfer 401(k)s
Fidelity Investments and Vanguard announced a rare collaborative effort Wednesday to help employees keep their retirement savings in tax-advantaged accounts like 401(k)s when they switch jobs.
An Introduction to Financial Assistance and Special Needs Planning
The search for information and direction about financial assistance and special-needs planning can be especially frustrating for caregivers.
The US Labor Market Is Looser Than It Appears
Most seers believe the US labor market is overly strong.
The Four Worst Marketing Tactics for Advisors
What are the worst ROI marketing tactics advisors are taking on today? Behold, the top four.
Guaranteed Lifetime Income Isn’t Free
Insurance protects against losses – fires, floods or a wrecked car. Because of the life-altering consequences of such as loss, clients rarely question the cost of the insurance. When viewed through an analogous framework, the cost of lifetime-income insurance, such as a GLWB, is fairly priced.
The Price the U.S. Will Pay for Faster Recovery
Compared to the dotcom and great financial crisis recessions, our fiscal and monetary response over the last two years has been far more aggressive. But the true cost – in terms of inflation – presents a more threatening risk.
How to Fix a Niche that is Too Narrow or Too Broad
When you choose a client niche, you may find that the focus is too narrow or too broad. Here’s how you can remedy the situation.
Going Back to the Office is Destroying Our Firm
I need someone to tell me if it’s time to get off this treadmill or if things will change and I can go back to being exhausted only on Thursdays and Fridays instead of every day of the week.
How the Inflation Reduction Act Changes Healthcare Planning
The IRA impacts everyone, but the healthcare portions of it mean substantial changes to the way advisors incorporate healthcare costs into their financial plans for clients who are retired, on Medicare, or are still working.
Millennials Are Finally Building Wealth and Hiring Financial Advisers
Millennials are self-centered and allergic to commitment. They switch jobs every six months and will never buy homes. And don’t get them started on marriage and kids.
Ready to Work Until You Die? America Needs You
Shortfalls in retirement savings have been widely regarded as a crisis of our times.
The 55-and-Older Labor Market Exodus Is a Statistical Mirage
Americans in their early 60s are pretty close to record labor-force participation, too. The big declines are all among those 65 and older.
Emerge to Launch 10 Sustainable ETFs That Are All Run by Women
Even as flows into environmental, social and governance ETFs are slowing, Emerge is introducing its first set of active sustainable ETFs with a twist -- each fund will be overseen by women.
Quotables by Notables On the Subject of Annuities
My article, “The Trial of Ken Fisher for Crimes Against Annuities,” marked the beginning of my effort to aggressively defend annuities against criticisms that had become too exaggerated, too longstanding, and too inaccurate to be left unchallenged.
Gen Z Shows TikTok What Life's Like on Wall Street, Where Confidentiality Is Key
When Naeche Vincent’s employer told her she had to start coming to the office last year, she decided to make a TikTok video about preparing to step foot inside the Wall Street investment bank for the first time.
Confronting Office Gossip
We have a team of advisors who are the kings and queens of gossip.
Three Keys to Advisory Firm Talent Management
A strong culture is key to inspiring the team and workplace of tomorrow.
How Joe Namath Transformed Medicare Planning
When it comes to choosing Medicare Supplement plan options, new-to-Medicare beneficiaries are opting for lower cost plans. During the first six months of 2022, some 38% opted for Medigap Plan N. Just over half (51%) selected Plan G coverage. Nearly 6% enrolled in a High Deductible Plan G (HDG) plan.
My guests today will discuss those and other trends in Medicare planning and how advisors can best help their clients with their healthcare needs.
Missing the Forest for the Trees in the Early Months of a Long-Term Bear Market
This is part 1 of Volume I Issue VI of the Macro Value Monitor, a publication focusing on Monetary History, Market Myths, Investing Legends, and Real Global Value.
Comparing High and Low Deductible Medicare Supplemental Plans
Are high-deductible or low-deductible Medicare supplemental plans better?
Guaranteed Income for Life, Part 1: Can Contingent Deferred Annuities Become a $100B Industry?
In the current unstable economic environment, producing safe, reliable income over the course of an unknown retirement is a daunting goal for any financial professional. As a result, many Americans sub-optimize their retirement experience.
China's Demographics Spell Decline Not Domination
Demography isn’t destiny. If population size was history’s major determinant, China might have conquered Europe in the 15th century, and Britain certainly would not have conquered India in the 18th.
Curving Toward Stagflation
The latest data shows inflation is still with us at an 8.5% annual rate. That means we can expect the Fed to keep tightening, trying to reduce demand and relieve pressure on consumer prices.
Wall Street Is Failing Women in Retirement
When it comes to a comfortable retirement, women in the US have the cards stacked against them.
Three Reasons to Join Female-Focused Advisor Communities
Let's examine why communities are so important for women in finance and explore three of the top benefits of joining one.
Nietzsche’s Wheel, Draper’s Carousel
Each generation is destined to repeat the struggles of the generations that came before it. And you can’t escape. You can’t be different – though you’ll try. Everybody tries.
Four Marketing Cornerstones for Advisors
Having a strong marketing foundation requires the following four cornerstones to make the tactics and strategies you implement effective.
Are Animal Spirits Running Into a Dumb Money Trap?
For some reason, people are feeling good. Animal spirits are on the run.
The Importance of Pelosi and Taiwan on Bond Swings
After the US saw inflation hit its highest levels in 40 years (since the bond bull market started), fueling bets that the Federal Reserve would embark on the most aggressive tightening campaign in a generation, it seemed that the bear market had finally started.
Nine Weird but Lucrative Niches
Here are nine little-known high-earning professions you should be considering as target markets.
How Storytelling Builds Trust
We never get too old for stories. And especially in the current volatile market, our clients benefit greatly from hearing a story like Dimensional’s – which gets better the longer it continues.
How to Generate Topics for Content Marketing
When starting with a niche, you may find it difficult to produce topics for your content marketing. To get ideas, take notes about what your prospects are talking about. This article covers specific points to create an effective content strategy.
Every Serious Couple Should Talk About Spousal IRAs
Marriage in the US also unlocks an under-discussed retirement option: the spousal IRA.
FARE Supports CFP Scholarships for Seven Diverse Professionals
The Financial Alliance for Racial Equity (FARE) and the CFP Board Center for Planning collaborated on one such scholarship, Financial Alliance for Racial Equity CFP® Certification Diversity Scholarship, which was created to financially assist seven Black and African American candidates on their journey to becoming a certified CFP® professional.
Prospects Have Lots of Problems; Your Message Needs to Focus on Just One
When creating your marketing message for your niche, you want to articulate the one unique problem your niche faces. Here are questions to help you address that overriding problem.
Prepare for the Destruction of $34 Trillion in the Coming Months
What would be the impact on your business if $34 trillion in wealth assets were destroyed over the next several months?
Assuming You'll Retire Healthy Is an Expensive Mistake
After a working life of hard graft, it is only natural to look forward to health, wealth and happiness in retirement.
Older Americans Go Back to Work in Next Frontier of Labor Force
What started out as re-entering the workforce opportunistically soon became a necessity.
Retirement Expenses Are Too Hard to Predict
Most people budget not for true emergencies — which are, thankfully, rare — but for what we might call predictable surprises.
Lies That Fool the Liar
I assume that we know when we are engaged in efforts to mislead. But what if that premise is false? What if we believe our lies?
What the Heck Is Happening to Silver
We discuss the recent news of JP Morgan’s spoofing and why the monetary metals are behaving so oddly.
Abenomics Lives On
Shinzo Abe's policies had a substantial impact both in Japan and around the world.
The Cost of Technology for Financial Planners
Most advisory firms that specialize in wealth management use three technology platforms: financial planning software, portfolio accounting software, and a CRM software. Let's take a closer look at the functionalities and costs of each.
Forgotten Lessons
These people, whose very job is to know the lessons of the past, either forgot them or chose to ignore them. Today we’ll look at how this manifested in the 2008 crisis period—and set up the conditions we face today.