The Remarkable Liquidity Of Financial Advisory Firms When Planning Your Own Advisor Retirement: Kitces & Carl 188
Advisors nearing retirement must translate firm value into a reliable exit asset while preserving client continuity. Kitces and Carl Richards explain that buyers focus on free cash flow, client retention and transferability rather than top‑line revenue. The podcast contrasts internal succession, which can take years, with external sales that often close in six to twelve months thanks to a growing pool of capitalized buyers. Early investment in profitability, documentation and durable client relationships expands both liquidity options and valuation potential.
5 Most Undervalued Cybersecurity Stocks to Invest In
Progress Software Corp (NASDAQ: PRGS) saw its price targets trimmed by Citi to $46 and Wedbush to $45, yet both firms retained bullish ratings. The software maker posted a forward P/E of 4.65, underscoring a sizable discount to peers. Q1...
SEP IRA Contribution Limits For 2026
The 2026 SEP IRA contribution limit remains at 25% of compensation, capped at $72,000. Contributions can be made up until the tax filing deadline, typically April 15, with an extension to October 15. Self‑employed individuals can calculate their maximum contribution by adjusting...
Bitcoin, Gold, or Silver: Which Is the Safest Bet for 2026?
Investors evaluating safe‑haven options for 2026 are weighing Bitcoin, gold and silver. Bitcoin is projected to hit roughly $250,000 by year‑end, supported by institutional adoption and a pro‑crypto regulatory climate. Gold is expected to trade between $4,000 and $5,000 per...
Norwegian Cruise Line Amex Offer: Spend $1,000 & Get $200 Back (Enrollment Required)
American Express has launched a limited‑time offer for Norwegian Cruise Line bookings. Cardholders who spend at least $1,000 on a reservation through NCL’s U.S. website or phone line receive a $200 statement credit, effectively a 20% discount. The promotion runs...
2026 Budget Goals + Financial Literacy Books for Kids
The author has refreshed their 2026 family budget, outlining new expense categories, savings targets, and monthly adjustments. While the detailed numbers remain behind a subscription paywall, the post offers a free curated list of picture books that teach financial concepts...
Personal Finance Links: Improving Your Credit Score
The article curates a broad set of personal‑finance resources, ranging from podcasts and housing trends to retirement advice and emerging surcharge dynamics. It highlights recent developments such as fintech firms rolling out premium credit cards and the persistent rise in...
5 Things The Working Class Must Stop Buying According To Dave Ramsey
Personal finance guru Dave Ramsey warns that working‑class families sabotage wealth by clinging to five common purchases. He argues that brand‑new cars, timeshares, extended warranties, habitual restaurant meals, and any financed items erode disposable income and inflate debt. Ramsey’s solution...
After a Personal Injury Settlement: Making the Money Last
A personal injury settlement must cover both past losses—missed wages, medical bills, pain—and future expenses such as ongoing treatment and reduced earning capacity. After attorney fees (typically 33‑40%), medical liens and potential taxes, the net amount is often far lower...
Tops and Bottoms
The article compares S&P 500 total returns from the lows and highs of the last five major bear markets. Bottom‑of‑cycle gains range from 41% after the Liberation Day sell‑off to a staggering 1,292% since the 2009 financial crisis low. Even the...
New I-Bonds Rate Projection: 4.26% APY (Variable 3.36% + Fixed .9%)
The Treasury projects a 4.26% APY for I Bonds issued May – October 2026, made up of a 3.36% variable rate and a 0.90% fixed rate. Existing bonds will earn only the variable portion, while new purchases lock in the full 4.26% for the...
Washington’s Capital Gains Tax Charitable Deduction Has a Hidden Catch
Washington’s capital gains tax offers a charitable deduction, but it only applies when the donation is made to a “qualified organization” that is principally directed and managed within the state. The rule diverges from federal law, which merely requires 501(c)(3)...
Did AI Kill Coast FIRE?
Coast FIRE lets people quit high‑pay jobs, keep a modest side hustle, and rely on portfolio growth to fund retirement. The rise of generative AI threatens that side‑income by automating many white‑collar gig tasks, as seen in the recent 50%...
Rich vs Broke Mindset
The article contrasts a "rich" versus a "broke" mindset, outlining 14 habits that typify each approach to money, work, and personal growth. It argues that wealth is driven more by daily habits and mindset than by job title or income...
One Good Call?
A financial advisor demonstrated the value of active macro management during the 2022 bond market crash by moving a client’s portfolio into ultra‑short duration bonds and cash, thereby avoiding a 13% drawdown. The firm later rotated back into short‑ and...
