Know What's Happening in Wealth Management
Know What's Happening in Wealth Management
Real Estate Investment Cuts Taxes and Estate Liability, UBS Says
UBS Wealth Management explains that investing in real‑estate can simultaneously reduce annual income taxes and future estate‑tax liabilities. Deductions such as mortgage interest, property taxes and depreciation lower taxable rental income, while holding properties in LLCs, trusts, family limited partnerships or self‑directed IRAs enhances the tax advantage.
The BlackRock Science and Technology Term Trust (BSTZ) offers a 9% annualized yield and trades about 12% below net asset value, giving retail investors exposure to private AI leaders like Databricks, Anthropic and ByteDance. About 38.5% of its $1.7 billion portfolio is allocated to 20 private companies, with Databricks alone representing 17.4% of assets. The fund’s term‑trust structure forces NAV convergence by its 2031 termination date, and a discount‑management program can trigger tender offers if the discount widens. This combination of high income and growth‑oriented private equity is rare among publicly traded vehicles.
Your parents told you to avoid debt. That advice kept them middle class. The wealthy use debt to buy assets. Learn the difference.
Parents are proving that the Financial Independence, Retire Early (FIRE) movement can work even with children when they start saving aggressively in their 20s and 30s. Andy Hill and his wife cut spending to invest roughly 50% of a $130,000...
Best FIRE strategy nobody talks about: 1. Improve yourself 2. Make more money 3. Invest the surplus Your career funds the portfolio.
In this episode, Robert Brokamp outlines eight strategies to help retirees avoid outliving their savings, emphasizing realistic withdrawal rates, flexible spending, and the use of tools like Social Security optimizers and annuities. He also examines the current "E-shaped" economy, where...
It’s important to reallocate and manage your portfolio correctly as your positions grow. A lot of retail investors fail to crystallize profits. Manage your money correctly and remember the first rule is always preserve capital. Follow @thelonginvestor #investsmart #howtoinvest #stockmarkettips
If these numbers make you uncomfortable... You’re probably overpaying 😬 The rule is simple: Your rent or mortgage should NEVER exceed 25% of your take home pay. Not gross. Overspending on housing is one of the biggest barriers to building real wealth... So if you want...
Matt Cherwin, co‑founder and CIO of the newly launched Marek Capital, sat down for a Risk and Reward interview to discuss the firm’s investment philosophy and market outlook. Cherwin brings 16 years of senior experience from JPMorgan, where he oversaw...
Missed Depreciation On A Rental? Why Amending Prior Returns Is Usually The Wrong Move: Missing a Required Minimum Distribution (RMD) can incur a hefty tax penalty of up to 25% of the missed amount – however, the IRS allows individuals...
The upcoming great wealth transfer, spanning 2024‑2048, will move roughly $124 trillion, with $54 trillion earmarked for widowed spouses and 95% of that flowing to women. Baby‑boomers and older generations represent the bulk of this $40 trillion destined for widowed women. Historically, many...
Slowly building this HSA account almost at $6,000 one of the best account. Also every year increasing it to have $1000 extra till I max. Right now $4000 my portion and employer put $1000.
Applying moving average filters to portfolio allocation across nine asset classes has generally lowered volatility and drawdowns compared with static buy‑and‑hold positions. The approach delivered higher risk‑adjusted returns, especially in strongly trending markets such as equities, commodities and Bitcoin. Short‑term...
The article outlines a $500,000 diversified, income‑focused retirement portfolio designed to cover everyday expenses through high‑quality dividend stocks and inflation‑protected funds. It pairs essential‑spending categories with specific equities and ETFs, aiming for reliable cash flow and market‑matching returns over a...
François Rochon is a well known investment manager who has compounded at ~15% annualized for 30 years (!) In 2002 though he was much more obscure. A single stock was 20% of his portfolio. Below he shares his thoughts on...
When you buy, you'll spend hundreds of thousands of dollars on irrecoverable costs like: - Interest - Transaction fees - Maintenance - Opportunity cost But the real Q to ask: 1. How does the math work out for buying vs renting? 2. What about the non-financial...
Retiring to Greece offers significant financial incentives for U.S. seniors, including a 7% flat tax on foreign‑sourced retirement income for the first 15 years and low property taxes under €400 annually. The country’s cost of living is roughly $2,500 per...
The planning opportunities created by IRC Section 199A after the Tax Cuts and Jobs Act are tremendous. Here's how you can help clients reduce their tax burden through creative strategies around the QBI deduction. Read more about the 3 buckets of...
I love when stock pickers have very disciplined unique strategies like Josh Goldberg. He only buys after earnings surprises and doesn't hold longer than 15-months. From the book, Stock Market Maestros
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A 401(k) does not flow through a will; it passes directly to the person named on the beneficiary form. Spouses can roll over or take lump‑sum distributions, while non‑spouse heirs must withdraw the balance within ten years under the SECURE...
Bonds flat and stocks lower YTD. Why owning things like commodities, real and hard assets, shorter duration bonds, and managed futures in this volatile inflation 🌎 is more important than ever.
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Retiring at 39 forces a portfolio to last 50 years or more, making withdrawal rates the decisive factor. A 3 % annual drawdown gives a strong chance of longevity, while 5 % quickly depletes assets. Growth‑heavy allocations help combat inflation, but early market...
Social Security is a core, inflation‑adjusted income source for DIY retirees, and the age at which benefits are claimed dramatically shapes lifetime payouts. Claiming at 62 yields roughly 70‑75% of the full benefit, while waiting until 70 boosts payments by...
The article explains how different types of inheritances are taxed after the recent increase in the federal estate‑tax exemption to $15 million. It outlines that cash, life‑insurance proceeds, and most securities receive a stepped‑up basis, while annuities and non‑qualified retirement accounts...
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Experts advise a disciplined approach to a $50,000 inheritance, beginning with a 30‑day cooling‑off period and parking the cash in a high‑yield savings account. The next steps prioritize paying off high‑interest debt, establishing a three‑to‑six‑month emergency fund, and then allocating...
Small‑cap stocks have corrected sharply, pulling valuations 25‑30% lower, yet many still trade at premium multiples. Sonam Srivastava recommends a selective approach, focusing on sectors with solid earnings visibility such as private‑banking, healthcare, infrastructure‑linked capital goods, IT services and consumer...
Most investors misunderstand the cost of equity. Below is the most explicit Buffett has ever been on his cost of equity... BUT the real insights come from Charlie Munger's push back and Buffett's Punch Card Idea ⬇️Link⬇️
Financial advisers are increasingly worried about U.S. fiscal policy and geopolitics, prompting a stronger emphasis on long‑term vehicles such as target‑date funds (TDFs), which grew 20.3% in 2025 to $4.8 trillion and now represent roughly 40‑50% of defined‑contribution allocations. Research shows...
Let’s talk about the Montana car tax strategy. The idea is simple: Montana has no sales tax. So people form a Montana LLC, buy the car through the LLC, register the car in MT, and—poof—no sales tax. Is it legit? There...
The Adasina Social Justice All‑Cap Global ETF (JSTC) launches as an impact‑first product that prioritizes community‑sourced social‑justice metrics over traditional ESG scores. It mandates at least 40% non‑U.S. exposure, holds more than 600 diversified stocks, and keeps its top‑10 holdings...
Triad Wealth Partners, an institutional RIA founded in 2023, has scaled to over $1 billion in assets under management while focusing on mass‑affluent investors. The firm’s CIO Brent Coggins says the firm is tweaking its model portfolios to add more cyclicality...
Paying off a mortgage early eliminates interest payments but also removes the mortgage interest deduction, potentially increasing taxable income. Homeowners must weigh the loss of that deduction against the interest savings, especially if they currently itemize. Property tax deductions remain,...
The article outlines how long‑term stock investing leverages lower capital‑gains taxes, compounding returns, and reduced trading costs to build wealth. Holding assets for more than a year qualifies gains for 0‑15‑20 % rates versus higher ordinary‑income taxes, and a 7 % annual...
A proposal circulating in Albany would slash New York’s estate‑tax exemption from over $7 million to $750,000 and raise the top rate to 50 percent. The change would shift the tax burden from ultra‑wealthy dynasties to typical middle‑class families who own modest...
The IRS and Treasury issued proposed regulations outlining the new Trump account, a child‑focused, tax‑advantaged retirement vehicle created by the One Big Beautiful Bill Act. Eligible newborns born between 2025 and 2028 receive a one‑time $1,000 federal pilot contribution, and...
The Treasury’s new “no tax on tips” deduction lets eligible tipped employees deduct up to $25,000 of tip income from their federal returns, running from 2025 through 2028. The benefit phases out once single filers earn $150,000 or joint filers...
Wealth Professional’s March spotlight turns to global markets as Canadian advisors note a renewed appetite for international allocations. Since early 2024, global equities have outperformed key U.S. indices, ending a 12‑year period of lag. Tyler Mordy of Forstrong Global explains...
Buffer ETFs, a $80 billion defined‑outcome fund category, are emerging as a bond alternative amid volatile markets and rising Treasury yields. The largest vehicle, FT Vest Laddered Buffer ETF, fell only 1.4% in March versus a 2.7% drop in the S&P 500,...
Cohen & Steers Closed‑End Opportunity Fund (FOF) posted a 25.5% total return over the past year and now offers a 7.6% yield with monthly, tax‑efficient distributions. The fund’s blended portfolio—49% equity, 23% commodities, and the remainder in debt—provides diversification that cushions...
Colorado’s HB 1221 would overhaul the state’s alternative minimum tax and net operating loss rules, effectively taxing income that has not yet been realized. The bill proposes repealing the AMT credit, creating double taxation on accelerated depreciation and incentive‑stock‑option gains. It...
An easy tax arbitrage many people don't think about: Do a pre-tax 401(k) in a state with a high income tax vs withdrawing in a 0% tax state. Example - contribute pre-tax in CA/NY (say 10% marginal) but retire in 0% state,...
As a non-person entity, the T-CRUT is not subject to the 10-Year Rule and can be designated as the IRA beneficiary while naming the original non-spouse beneficiary as an income recipient of the trust and a charitable organization as the...
Many expatriates in Dubai own valuable assets but lack a registered will. Without a will, UAE law defaults to Sharia‑based intestate succession, which can divert assets away from intended heirs and freeze bank accounts, property, and businesses. Law No. 2 of...
In this episode of the AJ Bell Money and Markets podcast, Charlene Young and guests discuss recent market turbulence driven by Middle East conflict and volatile oil prices, as well as sector updates on UK house builders like Persimmon and...
American Century Investments, founded in 1958, recommends three mutual funds—BIGRX, ASQIX and ARYVX—for long‑term investors. Each fund holds a Zacks Mutual Fund Rank of #1, reflecting strong buy signals, and posts solid three‑ and five‑year annualized returns. Their expense ratios...
Most investors follow a rule nobody ever properly tested: subtract your age from 100, put the rest in stocks. A new Yale study finally ran the numbers. Following that rule costs the equivalent of 2% of lifetime consumption. A static 60/40...
My conversation with Wes Gray (@alphaarchitect) & Brent Sullivan (@TaxAlphaInsider) on how to handle concentrated stock positions. We cover: • 351 to ETF conversions • Tax managed long/short • Direct indexing • Exchange funds 🍎 Apple: https://t.co/8EyAQJRS2b 🍏 Spotify: https://t.co/2KzvgNXoiD 📺 YouTube: https://t.co/8ibUEisaZM
An investor with a rule‑based policy rebalanced his retirement portfolio in April 2025 after a 15% equity decline triggered by the "Liberation Day" tariff announcement. Using a threshold rebalance, he sold overweight bonds and bought underweight stocks within a tax‑advantaged...
Here are five steps everyone in their 60s should take now to help ensure they make the most of Social Security. https://t.co/G4kqCF6jjT
The biggest risk in investing isn’t volatility. It’s a short time horizon. Worst S&P 500 annualized returns since 1928: 1 year: -44% 5 years: -13% 10 years: -2% 20 years: +2% 30 years: +8% The longer you stay invested, the smaller the risk of a bad outcome. https://t.co/E6zeCB4Ir8
Loved to discuss multi asset funds with @Shiprasorout on the concept, what they are intended for and how they differentiate themselves:
