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 2026 Multi‑Asset Trends report shows UK investors gravitating toward the cheapest allocation funds, with the lowest two fee quintiles now holding roughly two‑thirds of assets. Multi‑asset funds‑of‑funds dominate the market, accounting for about 63% of allocation‑fund assets, driven by fee compression after the Retail Distribution Review. At the same time, the traditional home bias toward UK equities has eroded, replaced by a growing allocation to US stocks and increased exposure to the US dollar. These shifts are reshaping risk‑return dynamics for UK savers.
In this episode, hosts MedFaber, Wes Gray, and tax analyst Brent Sullivan dissect the growing "tax alpha" landscape, focusing on how investors can manage and mitigate tax drag, especially with concentrated stock positions. They explore a menu of strategies—from exchange...
New ICI and ISS Market Intelligence research shows that 91% of large 401(k) plans offered employer contributions in 2023, up from 85% in 2007. Employer matching accounted for $181 billion, roughly 35% of total contributions to these plans. Plan fees have...
Many Canadians mistakenly believe a parent’s debt disappears at death, but it remains in the estate and must be settled before any distribution to heirs. A "deemed disposition" treats all assets as sold at death, often creating large capital‑gain taxes,...
Canadians who relocate to the United States can potentially unlock their locked‑in RRSP (LIRA) after maintaining non‑resident status for at least 24 consecutive months, though eligibility varies by the pension jurisdiction governing the account. Provinces such as Ontario, BC and...
Midstream MLPs are the toll roads of energy — they get paid regardless of commodity prices. Now with rates falling, yield spreads are widening and borrowing costs are dropping. Double tailwind. @InfraCap @JDHatfield_ICAP break it down 👇 https://t.co/VsVjJ2Qwhm
The article highlights a growing shift among senior women executives from earning salaries to becoming active investors. As they accumulate wealth, many are confronting an identity transition, leveraging strategic and operational skills to navigate private markets. Community salons hosted by...
Target‑date collective investment trusts (CITs) now command 54% of the market, overtaking mutual funds for the second consecutive year. The overall target‑date universe expanded 20.3% in 2025, reaching $4.8 trillion, driven by 21 new CIT series that are largely conversions of...
Entrepreneurs often tie the bulk of their net worth to their businesses, creating financial complexity that extends beyond daily operations. Wealth management offers a coordinated strategy that blends investment diversification, tax planning, retirement, estate, and risk management to protect and...
Estate planning often pits equal splits against equitable distributions, especially when adult children have vastly different financial circumstances. Harry Margolis advises parents to address disparities through lifetime assistance or specialized tools rather than altering the will. Strategies like special‑needs trusts...
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Republican lawmakers have asked Treasury Secretary Scott Bessent to use executive authority to index capital gains on primary residences to inflation. Indexing would adjust the cost basis, potentially reducing taxable gains for long‑term homeowners, especially higher‑income sellers. The proposal builds...
Investors confront two distinct threats to wealth: inflation and market bear markets. Historical data shows bear markets can plunge 20‑50% in months, with recoveries ranging from five months to seven years, while a steady 3% inflation rate trims purchasing power...
Loomis Sayles emphasizes that true long‑term investing isn’t about dodging market swings but about holding high‑quality companies through them. The Growth Equity Strategies Team outlines a disciplined, differentiated approach to owning great businesses, with performance data current through December 31 2025. The...
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Total‑market index funds give investors a single‑ticket exposure to the entire U.S. equity market, tracking benchmarks like the CRSP Total Market Index or Russell 3000. Vanguard VTSAX, Schwab SWTSX, iShares IWV, and Wilshire WFIVX are highlighted for their low fees, diversification,...
Investing legend Warren Buffett explains why he often prefers the stock market over real estate. Stocks can be bought or sold in seconds, while real estate deals can take months of negotiations. A powerful lesson in value investing, smart capital...
This is a challenging spot, because if you don't outright specialize in clients with special needs children, most advisors may only come across these scenarios once or twice in a career, and won't necessarily have a good network of attorneys...
Canadian taxpayers continue to face TFSA overcontribution penalties, highlighted by a recent Federal Court case where the CRA’s denial of relief was upheld. The plaintiff had accumulated over $300,000 in excess contributions between 2021‑2023 and sought a waiver, arguing that...
Millionaires require specialized financial planning that shifts focus from accumulation to preservation, tax efficiency, and legacy. Advisors integrate investment management, tax optimization, estate structuring, and risk mitigation, offering access to private equity, hedge funds, and tailored trusts. Strategies such as...
It has been my thesis for the past 5 years that the “new” 60/40 is more like a 60/20/20. To illustrate this the chart below shows that a hypothetical 60/20/20 portfolio, allocated as noted in the chart, could have sharply...
A spousal IRA lets a non‑earning spouse open a Roth or traditional IRA, effectively doubling a single‑income household’s tax‑advantaged retirement space. For 2025 the contribution limit is $7,000 plus a $1,000 catch‑up for those 50+, with a hard deadline of...
The IRS has refreshed its Tax Withholding Estimator to incorporate the new credits and deductions introduced by the One Big Beautiful Bill Act (OBBBA). The updates cover tax breaks for tips, overtime, senior citizens, car‑loan interest, family‑related credits, homeownership and...
DPL Financial Partners has launched an Annuity Review tool that lets RIAs evaluate entire legacy annuity books in bulk. Since its soft launch in late 2025, advisors have uploaded nearly $1 billion of annuity assets to the platform. The module flags...
On Zephyr’s Adjusted for Risk podcast, David Lau, founder and CEO of DPL Financial Partners, outlined how commission‑free annuities are reshaping retirement planning. He highlighted the proliferation of more than 100 low‑cost, fee‑only annuity products that address the growing income...
Instead of asking: "How can I earn the highest return possible?" Investors should ask: "What are the highest returns I can sustain for the LONGEST period of time without going bust." This changes entirely how you invest.
In the March 12, 2026 episode of "At the Money," Wes Gray of Alpha Architect explains how quantitative ETFs can deliver "poor man’s" alpha by embedding systematic factor exposures within low‑cost, tax‑efficient wrappers. He outlines the firm’s product lineup—including momentum,...
Step up in basis is one of the most powerful tax provisions and can wipe out a lot of taxes. Say your dad bought $200k of stocks in a brokerage account that are now worth $2M. He passes them down to you...
Turning 65 unlocks several tax advantages that can materially lower a senior's federal liability. For 2025 returns, taxpayers 65+ receive an extra $2,000 standard deduction and a temporary senior bonus deduction of up to $6,000 per individual. Additional savings stem...
Canadian households are being urged to reinforce financial resilience as geopolitical tensions drive up gas, grocery and insurance costs. The article stresses that solid budgeting habits, accessible savings, and disciplined debt management are essential foundations during global upheaval. It recommends...
Rising home values—up 45‑55% since 2019—have intensified pressure on property‑tax systems in several states. Florida, Indiana and Texas are each considering measures that would largely eliminate local property taxes, replacing the lost revenue with higher sales taxes, new user fees,...
Zacks Investment Research highlights five no‑load mutual funds that combine strong three‑ and five‑year returns with low expense ratios, positioning them as attractive options amid heightened market volatility driven by geopolitical tensions and inflation concerns. The funds—spanning precious metals, semiconductors,...
The S&P 500 Dividend Aristocrats index for 2026 comprises 69 companies that have raised their cash dividends for at least 25 consecutive years. To qualify, firms must belong to the S&P 500, have a float‑adjusted market cap of at least $3 billion and...
ISOs are attractive because, under the right conditions, gains from their exercise and sale can qualify for long-term capital gains treatment. However, to receive this preferential tax treatment, employees must wait to sell the employer stock until at least one...
Many assume estate planning is handled once documents are signed, but DIGITAL estate planning does not behave that way. For many clients, the real issue is an ACCESS problem: email, cloud photos, financial logins, business accounts, and Terms of Service...
The U.S. Consumer Price Index rose 0.3% in February, bringing the year‑over‑year CPI to 2.4% while core inflation held steady at 2.5%. Higher inflation typically pressures discretionary spending more than essential consumer staples, whose demand remains relatively inelastic. In this...
Investors seeking high‑growth exposure are turning to small‑cap blend mutual funds, which target companies under $2 billion in market value. Zacks highlights three top‑ranked funds—Nuveen Quant Small Cap Equity, Federated Hermes Mid‑Cap Small Cap Core, and Fidelity Small Cap Stock—each holding...
Hot take: no one has ever run out of money using the 4% Rule. Why? Because, in the real world, people are flexible. During a market crash, no one is going to increase their spending by inflation because "the rule said...
Scott Kaufman of The Dividend Kings explained that dividend‑focused ETFs have surged 12% year‑to‑date as investors rotate from high‑growth, AI‑centric stocks to value‑oriented, cash‑flow‑rich companies. He highlighted that many SaaS and growth names are now overvalued, while low‑break‑even oil producers...
The FAST Graphs video series highlights that despite the S&P 500’s overall high valuation, many constituents remain attractively priced. Chuck Carnevale demonstrates how to use earnings yield, dividend yield, and cash‑flow multiples to pinpoint stocks offering growth, income, or both. Companies such...
Investors are being urged to consolidate their stocks and shares ISAs onto a single platform before the tax year ends, leveraging cashback incentives and remaining allowance. Consolidation promises lower overall fees, a unified dashboard, and clearer diversification, while also supporting...
Texas' economy reached $2.77 trillion in 2024, added 132,500 jobs in 2025 and now ranks as the world’s eighth‑largest, surpassing nations like Canada and South Korea. The state’s pro‑business environment—no personal or corporate income tax, low operating costs, and 54 Fortune 500 headquarters—has...
A 63‑year‑old retiree with a $1.5 million nest egg and a $60,000 annual withdrawal rate is concerned that his wife’s frequent shoe and perfume purchases are eroding their budget. The couple enjoys dining out and two vacations a year, but the...
Homeownership timing has become a critical driver of wealth in the United States, with the median age of first‑time buyers climbing from 30 in 1990 to 40 in 2025 due to soaring prices and longer savings horizons. Data from the...
Recent Treasury regulations cement Qualified Opportunity Fund (QOF) incentives as a permanent tax deferral tool, allowing any capital gain—except ordinary income—to be postponed by reinvesting within 180 days. For direct sales, the clock starts at closing, while partnership and S‑corp...
A recent survey of over 6,000 IRA Financial clients shows self‑directed IRAs are gaining traction as investors seek alternative assets alongside traditional stocks and ETFs. Real estate tops the list at 58.5%, while crypto, private equity and precious metals also...
WTW argues that catastrophe bonds are a prime asset for a Total Portfolio Approach, delivering returns that are uncorrelated with traditional markets and improving diversification. The cat‑bond market is expanding as disaster frequency and severity increase, pushing premiums higher while...
“It’s not given to human beings to have such talent that they can just know everything about everything all the time. But it is given to human beings who work hard at it—who look and sift the world for a...
The best investors stay calm when markets are volatile, and these financial habits can help you stay the course. https://t.co/hO1oDA3Gyi
$YEXT spread for an odd lot tender at low end of Dutch Auction range is now ~$50 on ~$520 deployed for ~10 day capital lock-up. This is the stuff small investors should locate within tax wrappers to maximize after tax...
Chasing stocks that are soaring can be tempting — but those gains can vanish quickly amid market volatility. https://t.co/sMK6GH12Xx
A mentor I had 20 years ago would say, “You might be able to pump them up, but fundamentals have to keep them up.”
