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.
Fidelity’s Q4 2025 portfolio review of 3,371 advisor‑constructed accounts shows a heavy tilt toward equities, with 72 % of assets in stocks and only 23 % in bonds. U.S. equities dominate the equity sleeve at 79 % and ETFs feature in 59 % of portfolios, accounting for roughly 54 % of total allocations. Active ETFs have surged to 37 % of portfolios, up from 13 % three years earlier. The firm warns that 2026 will reward disciplined, diversified construction rather than headline‑driven bets.
My annual portfolio review is one of my most read posts of the year. The 2025 edition is now live 📊 Did I hit my goals? 👉 The Good, The Bad and The Dollar 😉 Check it out here: 🔗 https://europeandgi.com/inspiration/2025-dividend-portfolio-review-the-good-the-bad-and-the-dollar/ Share ⏩ &...
Trust is emotional. It’s also economic infrastructure. When it weakens, markets reprice risk and retirement plans built on stability require harder tradeoffs. Most people treat trust as sentiment. It isn’t. It determines how money moves. I sat down with George D. Kinder to...
A 28‑year‑old earning $130,000 is considering cutting his 401(k) contributions to make extra mortgage payments amid fears of AI‑driven layoffs. Financial experts advise against the move, emphasizing the importance of liquidity and the long‑term benefits of retirement savings. They recommend...
Many people think it's pointless to invest $100-200/mo. But: 1. It's better than $0/mo 2. You let your money compound instead of wasting it on useless things 3. You form a habit of investing, which could be even more valuable than the initial...
In this month's latest in #AdvisorTech news. @altruist's launch of a new AI-powered tax planning add-on to its Hazel AI notetaker, which triggered a big selloff in the stocks of established RIA custodians like @CharlesSchwab, @LPL, and @RaymondJames: https://t.co/GaoXPwW9F3 And other...
The insurance brokerage sector is riding a wave of better pricing, disciplined underwriting and rising demand for a broader range of policies, pushing industry revenue higher. Digitalization and AI adoption are sharpening margins and enabling faster scale, while a wave...
Everyone’s chasing last year’s winners. The real move is under the surface. Leadership is rotating. Capital is rotating. By the time it’s obvious, it’s late. The Great Rotation is accelerating. Here’s what most investors are missing: https://t.co/Q38nu61vBB
Start of 2025: ‘Why should I own anything outside of the US?’ 14 months later: South Korea +204%, Peru +143%, South Africa +108% … S&P 500 +18%. The future is unknown. That’s why you diversify. https://t.co/2Lpruh2h0i
The large‑cap pharmaceutical sector is rebounding in 2026 after a muted 2025, buoyed by strong quarterly results, aggressive M&A, and robust pipeline activity. Zacks ranks the industry at #172, but it posted a 10.8% gain over the past year, outpacing...
The Zacks Chemicals Diversified industry is grappling with soft demand across consumer durables, construction, and electronics, leading to a 9.8% decline over the past year while the S&P 500 rose 20.5%. Inflation‑driven consumer caution in Europe and a sluggish Chinese recovery...
The author launched a new monthly investing feature for 2026, highlighting business‑cycle‑driven portfolio management. The aggressive “Adrenaline” portfolio posted a 10.3% annualized return YTD, while the defensive “Market‑Neutral” portfolio surged 57.3% annualized, both outpacing a slightly negative S&P 500. The post...
A spouse inheriting a non‑qualified annuity cannot roll it into an IRA because the contract was funded with after‑tax dollars. Instead, the inherited annuity retains its own tax treatment, with gains taxed first and distribution schedules dictated by the contract...
Garry Marr notes that a CIBC poll shows Gen Z expects to retire at 59, millennials at 61, while baby boomers target 63. Yet many Canadians, including former insurance executive Alf Goodall, are working well into their 60s, reflecting a shift...
Two Copenhagen brothers launched Othania a decade ago with a DKK 2.2 million seed fund, building the systematic TIGER model to toggle equity and bond exposure based on macro indicators. The model’s strong signals spurred rapid AUM growth, reaching roughly DKK...
High‑yield bond funds are gaining traction as investors chase yield in a post‑pandemic recovery. Zacks Investment Research highlights three Zacks Rank #1 funds—Neuberger Berman Floating Rate Income, Buffalo High Yield, and Virtus Seix Floating Rate High Income—each delivering three‑year annualized...
Robinhood has launched its HOOD Rewards Season, running Feb 19‑Mar 25, 2026, offering up to a 3 % bonus on ACATS transfers. Taxable‑account transfers earn 2 % for Robinhood Gold members, rising to 3 % when a $10,000 margin balance is present; IRA and 401(k)...
🎯 It takes the best stock pickers in the world a few decades of owning hundreds or even thousands of stocks to find a handful that are worthy of holding long-term. https://t.co/KRxH9wKOSP
I'm 36 with $500K invested. Most of this happened in the last 8 years. Here's how:
Calamos Market Neutral Income Strategy posted a 1.53% net return in Q4 2025, beating the Bloomberg US Government/Credit Bond Index’s 0.90% gain. The fund’s performance was driven by a strong hedged‑equity book and continued arbitrage activity, even as SPAC arbitrage...
At the iConnections conference in Miami, the sentiment among large allocators toward digital assets has shifted from skepticism to acceptance, with more than 75 crypto funds and roughly 750 manager‑allocator meetings mirroring pre‑crash activity. Nearly 25% of limited partners on...
Interest from HYSA is taxed at federal AND state/local level. But interest from T-Bills is only taxed at the federal level, saving you anywhere from 0-13% in state/local taxes. T-bills also generally have better yields. Small adjustments can make a big difference over...
Wild stat: “~18% of all property transfers in California last year were made through inheritance.” https://t.co/LPI84VU4Uh https://t.co/oHzRbjVzOn
A family gathered after a grandparent’s death to discuss the adult children’s desire to buy a home. Leveraging lessons from the HumbleDollar community, the parents offered financial support, citing an upcoming inheritance intended for grandchildren. The conversation balanced respect for...
The carry trade has everything to do with leverage. And I encourage you to study Yen behavior during US stock market tail events.
Carbon markets are at an inflection point. Policy momentum. Capital rotation. Tightening supply. Most investors aren’t positioned for what’s next. Read this before the crowd catches on: https://t.co/axCJ40q8bX cc: @LukeAOliver @kraneshares
The article warns that splurging on luxury items such as high‑end cars, oversized homes, and exclusive club memberships can quickly erode savings and hinder long‑term financial goals. It outlines how each purchase brings hidden costs—depreciation, maintenance, insurance, taxes, and lack...
The piece advocates pairing Bitcoin with gold through the Bold index, a risk‑weighted, monthly‑rebalanced strategy that exploits their low correlation. Bitcoin is currently deeply oversold while gold enjoys strong bullish momentum, creating a diversification opportunity. Bold is offered as the...
Early in my career, I didn't want to max out my 401k… I was worried about liquidity for early retirement. That quickly changed as I learned about: • 72t SoSEPP • rule of 55 • roth conversion ladder All of these allow you to pull from...
Will the Gold and Silver Crash Bring Back Treasuries as the Risk-Off Trade of Choice? Read here: https://www.leadlagreport.com/p/will-the-gold-and-silver-crash-bring
Bitcoin’s self‑custody model is now confronting an inheritance crisis as early adopters age, creating a single‑point‑of‑failure that could lock away multigenerational wealth. A Gannett Trust report flags 2026 as the year holders will begin formalizing succession plans to avoid permanent...
Robert Kiyosaki warned on X that the “biggest crash in history” is about to hit, affecting global markets, jobs, and real estate. He cites geopolitical tensions, tariff uncertainties, and AI‑driven job displacement as catalysts, echoing concerns from U.S. Bank wealth...
Roth IRAs let individuals contribute after‑tax dollars and withdraw earnings tax‑free in retirement. For 2026 the contribution cap is $7,500 ($8,600 for those 50+) and eligibility phases out between $153,000‑$168,000 for single filers and $242,000‑$252,000 for married couples. Unlike traditional...
The goal isn’t to minimize taxes. The goal is to maximize after-tax return. Say you have $100k in 0.1% savings account. You earn $100 interest, pay $24 of tax. Now say you have $100k in 3.5% savings account. You earn $3.5k interest,...
Continuation funds are new private‑equity vehicles that let general partners transfer one or more portfolio companies into a separate fund, extending the holding period beyond the typical ten‑year life. They give limited partners a choice to cash out or roll...
You’re earning the wrong type of income, and your salary is the proof. Two people earning $200K. Same income, completely different financial realities. There is a distinction between capital income and labor income reveals why the wealth gap isn’t about how much...
The mass majority of physicians who are doing independent work think they should be an S-corp. The mass majority of physicians who are doing independent work should not be S-corps. #TaxTwitter
Health Savings Accounts (HSAs) provide a rare triple‑tax advantage—deductible contributions, tax‑free earnings, and tax‑free withdrawals for qualified medical costs. For 2026, contribution limits rise to $4,400 for individuals and $8,750 for families, with a $1,000 catch‑up for those 55+. Savvy...
Sitting in cash is the opposite of investing, and invites long-term, dramatic underperformance. Holding cash is basically begging the Fed and Congress to light your money on fire via inflation. https://t.co/QMd0bkOkkZ
A blast from the past. I gave this presentation at @smallcapdisc in 2023. Multi-Bagger First Principles https://t.co/YJT8idrZf0
The Department of Labor has issued a proposal that would replace the Biden‑era “totality of the circumstances” test with a simpler “economic reality” test for determining independent‑contractor status. The change is aimed at easing the classification process for brokerage advisors,...
Beneficiaries generally do not report an inheritance as income on their federal tax return, but any income the inherited assets generate—such as interest, dividends, rent, or distributions—must be reported. Cash, stocks, bonds, real estate, and retirement accounts each have distinct...
Morningstar’s new research shows that liquidity, not performance, is the primary obstacle for private‑equity and credit products in 401(k) plans. Simulations using real participant data reveal that even modest redemption flows can exhaust liquidity buffers, forcing managers to allocate up...
Adding a spouse to a property deed is a common estate‑planning move that changes legal ownership without necessarily triggering immediate federal income tax. The transfer is generally treated as a gift, but the unlimited marital deduction shields U.S. citizen spouses...
The article outlines five key investments—dividend‑paying stocks, bonds, annuities, Treasury‑linked instruments, and income‑focused funds—that can generate reliable cash flow for retirees. It recommends a balanced allocation of roughly 35‑45% fixed income, 30‑40% equities, 10‑15% cash, and 5‑15% alternatives to manage...
The author finally built a CD ladder using Fidelity’s automated tool, opting for brokered certificates of deposit to achieve safety and flexibility. By allocating $100,000 into five $20,000 CDs spanning one‑ to five‑year maturities, the ladder can roll over automatically...
Nine U.S. states—Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington and Wyoming—lack a personal income tax, but they often offset that loss with higher property, sales, and insurance costs. Homeowners in Florida face the nation’s most expensive insurance...
Investors are pouring money into the ROBO Global Robotics and Automation Index ETF as the rise of “physical AI” expands the addressable market for intelligent hardware. Assets under management jumped to $1.7 billion, driven by a $452 million year‑to‑date inflow, with $255 million...
Citigroup announced it will launch institutional‑grade Bitcoin custody later this year, integrating crypto into its existing custody, reporting and settlement infrastructure. The service will allow clients to manage Bitcoin alongside securities and cash through a single master account, with transaction...
