Today's Wealth Management Pulse
SmartAsset outlines a three‑step wealth‑building plan for early‑30s earners
Financial planners recommend that workers first capture any employer‑matched retirement contributions, then set aside 10‑20% of gross pay for savings, and finally eliminate debt with rates above roughly 10%. They also advise establishing a 3‑6‑month emergency fund in a high‑yield account to ensure liquidity.
Also developing:
Maximize Your TSP by Minimizing Your Tax
The article explains how federal retirees can optimize Thrift Savings Plan (TSP) withdrawals by integrating tax‑planning strategies. It distinguishes between traditional and Roth TSP rules, outlines penalties for early, non‑qualified distributions, and details required minimum distributions (RMDs) that begin at age 73 for most retirees. It also reviews rollover options to Roth IRAs, regular IRAs, and annuities, emphasizing the tax consequences of each choice. Finally, it promotes a webinar that covers contribution limits, fund selection, and withdrawal tactics for maximizing tax efficiency.
Empower to Offer Trump Account Rollovers
Empower Annuity Insurance Co. announced it will act as the first rollover custodian for the newly authorized Trump Accounts (530A), child‑focused retirement accounts that launch on July 4 and receive a one‑time $1,000 Treasury deposit for eligible births between 2025‑2028. The...
BitFuFu Named Mining Service Provider of the Year in 2026 FinTech Breakthrough Awards
BitFuFu Inc. secured the Mining Service Provider of the Year award at the 10th annual FinTech Breakthrough Awards. The accolade spotlights the company’s 26.4 exahash per second (EH/s) global hash‑rate, 463 MW of power capacity and a balance sheet holding 1,830 BTC,...
An Insider’s Guide to Gifting Carried Interest and Estate Planning
CPA Anthony Venette advises private‑equity general partners to gift a portion of their carried interest early, allowing any subsequent appreciation to grow outside their taxable estate. By transferring this future‑growth right before it accrues, GPs can significantly reduce estate‑tax exposure...
Start Small, Grow Your 401(k) Match Incrementally
If your company has match with your 401K and your budget can’t handle contributing 5%. Don’t skip your contributions — start with 1% and move the needle as you get a bump via bonus or pay. I did this and...
At the Money: Billionaire Divorce Planning
The Bloomberg "At the Money" episode explores how ultra‑wealthy divorces differ from ordinary splits, focusing on privacy concerns, complex estate structures, and liquidity challenges. Guest Patrick Kilbane explains that while the legal process mirrors standard divorces, a single tax mistake...
Consistently Beating the S&P? Just Buy the Market
Beating the S&P 500 isn't difficult. But beating the S&P 500 consistently, over the long term, is very very difficult. Many people overestimate their ability to pick good stocks over the long term. They eventually realize that it’s a losing game. That's why...
Bigger Homes Reset Wealth, Stalling Financial Growth
The “Upgrade Trap” Why Most People Become Poorer Every Time They Buy a Bigger House This is one of the most ignored patterns in Gurgaon. People think upgrading homes means moving forward. In reality, most upgrades reset wealth. And every reset delays compounding. The First Property...
JPMorgan Launches $3 B Athlete Council to Guide NIL Stars and Retirees
JPMorgan Chase announced a new Athlete Council, chaired by Dwyane Wade and featuring Tom Brady, Megan Rapinoe and other sports icons, to build wealth‑advising services for athletes at every career stage. The initiative, unveiled at the bank’s $3 billion Manhattan headquarters,...
Patient, Rational Nerds Dominate; Few Rise Above 99%
Charlie Munger: "99% will be in the bottom 99%. That's just the way it's going to work." "In my generation, the nerds who were patient and rational eventually did well — who lived within their income and worked at being sensible...
UP Fintech Posts $612M Revenue, 56% YoY Growth in 2025 Results
UP Fintech Holding Limited announced unaudited 2025 results, posting $612.1 million in revenue, a 56.3% increase from 2024, and net income of $170.9 million, up 181.4%. The broker added 29,700 funded clients in Q4, lifted total assets to $60.8 billion and expanded its...
Microcap Success: Rare, Unpredictable, Right Time, Right Place
It’s always been amazing to me how you can have 10 microcaps in the portfolio with a similar positive fundamental/solid management setup over the next two years. You think they can 2-3x. A few will and several won’t quite make...
Turn Your First $100 Into Investment Seed
$100 will not make you rich. But the decision you make with your first $100 will determine whether you ever become rich at all. Getting your first $100 is a big deal. Whether it came from a freelance job, a gift, a side hustle...
Powerica Sets ₹375‑395 IPO Price Band, Targets ₹1,100 Cr Raise to Go Debt‑Free
Powerica Ltd announced a ₹375‑395 per share price band for its maiden IPO, aiming to raise ₹1,100 cr through a ₹700 cr fresh issue and a ₹300‑400 cr offer‑for‑sale. The proceeds will chiefly fund debt repayment, positioning the company to become zero‑debt as...
Stop Duplicating Savings: Align Education Funds with Investments
You open a savings account labelled "Education Fund." You start contributing every month. You feel responsible. Meanwhile, there's an investment plan you set up years ago. Quietly compounding. Already on track to hit $200,000 by the time your child turns 18. Nobody...
Tech Leaders Seek AI, Yet Need Real-World Planning
It’s a bit ironic that so many tech founders and executives find me through AI, only to hear my first piece of advice—don’t rely on AI. I recently addressed a rolling GRAT question from a young married couple and discovered they...
How to Use Trusts for Estate Planning
Trusts are a versatile estate‑planning tool that let grantors transfer ownership of assets to a trustee, enabling probate avoidance and greater control over distribution. The article outlines common trust types—revocable living, irrevocable, special‑needs, and charitable—highlighting their distinct benefits and tax...
Buffett's 5 Quiet Habits That Grow Middle-Class Wealth
Warren Buffett: 5 Subtle Habits That Quietly Build Massive Wealth For The Middle Class https://t.co/N7BvM6vNW2
JPMorgan Taps Sports Stars to Help Shape Athlete Wealth Strategy
JPMorgan Chase has created an Athlete Council, chaired by Dwyane Wade, to shape wealth‑planning services for professional athletes. The council includes Tom Brady, Megan Rapinoe, Alex Morgan and Sue Bird, leveraging their personal finance experiences. JPMorgan will also open an...
How to Properly Size Investment Positions
The article explains how investors can boost risk‑adjusted returns by properly sizing positions rather than merely finding ideas. It introduces a simple upside‑to‑downside framework, illustrates it with PayPal and Perimeter Solutions, and ties the ratio to a practical allocation rule...
Altruist Pushes Direct Indexing Downmarket with New Personalization Filters
Altruist has introduced a low‑minimum direct‑indexing solution that lets advisors offer personalized equity portfolios with a $2,000 entry point and fractional share ownership. The platform provides 44 value‑based filters, enabling clients to exclude sectors, industries, or ESG issues in one...
Your Zip Code Decides How Much You Keep
The $1M take-home test: → NYC W2 — gross $1.99M → LA W2 — gross $1.92M → Florida W2 — gross $1.52M → Florida biz owner — gross way less → Puerto Rico Act 60 — keep almost all of it Where you live is a...
With Rising Oil Prices, This Is the Portfolio Opportunity Not to Miss
Rising oil prices and a recent S&P 500 pullback are creating market dislocations that favor a shift from passive to active core equity exposure. T. Rowe Price’s new active core ETFs—TACU for U.S. large‑cap stocks and TACN for international equities—offer a blend of...
The Healthy Advisor: Turning Loss Into Purpose with Jamie Hopkins
Jamie Hopkins, CEO of Bryn Mawr Trust and co‑author of "Your Retirement Sketchbook," shares how his father’s death shaped his approach to retirement planning and wealth mindset. He highlights the lack of financial‑advice access for trade workers and small‑business owners,...
Short-Term Bond ETFs Are Still Fashionable
Short‑term bond ETFs remain a practical choice despite recent rate cuts, offering investors low‑cost exposure to conservative fixed‑income assets. While longer‑duration bonds promise higher yields and greater price sensitivity to rate moves, short‑term funds excel as liquid savings tools and...
Is Variable Life Insurance More Expensive than Other Options?
Variable universal life (VUL) insurance costs are not fixed; they depend heavily on policy design, premium level, and death‑benefit targets. Illustrations show that a $10 million VUL funded at $70,000 annually can generate $14 million in cumulative expenses, while increasing the premium...
Three Business Succession Lessons From Landman
The TV series *Landman* dramatizes the pitfalls of poorly executed business succession when M‑Tex Oil’s founder Monty dies without adequately preparing his heirs. His wife Cami inherits a complex estate, faces grief, and makes costly decisions, while the appointed president...
3 Audio Video Stocks to Buy as Industry Tailwinds Gain Momentum
Zacks highlights three audio‑video production stocks—Sonos, Dolby and LiveOne—as attractive bets amid accelerating 4K, 8K and immersive audio adoption. The industry holds a Zacks rank of #16, placing it in the top 7% of sectors, yet it has underperformed the...
Personal Finance Links: Extended Expenses
The roundup curates recent personal‑finance content spanning podcasts, tax strategy analyses, housing market reports, and lifestyle‑focused investing pieces. Highlights include Bloomberg’s look at tax‑aware strategies for wealthy investors under Treasury scrutiny, The Atlantic’s examination of a condo‑building collapse that is...
Save 15% Early, Secure Retirement by 65
If you want to retire at 65, you have to save at least 15% of your salary (including 401k match) starting at 25. Use that money to: 1. Get full employer's 401k match 2. ESPP (if applicable) 3. HSA (if eligible) 4. Roth IRA 5. Finish...
3 Allspring Mutual Funds to Support Your Wealth-Building Strategy
Allspring Global Investments, spun out of Wells Fargo in 2021, now manages roughly $630 billion across a broad mutual‑fund platform. The firm highlights three Zacks Rank #1 funds—Disciplined US Core, Disciplined Small Cap, and Real Return—each offering strong three‑year returns and sub‑1%...
I Fired Myself As Money Manager And It Feels Great
A relative left a Goldman Sachs advisory firm, paying roughly 1.5% management fees plus 1‑2% fund fees, and asked the author to manage her $2 million portfolio. By reallocating to low‑cost ETFs, the author saved about $30,000 in fees and achieved...
My Wife and I Made Big Blunders on Our Social Security Benefits. Is It Too Late to Fix It?
A 78‑year‑old couple discovered the wife could earn roughly $200 more per month by switching to a spousal benefit. Both retired early—she at 62, he at 63½—so their current payments are permanently reduced. Social Security rules allow a spouse to...
I’m 59. My Wife and I Bought a Second Home for $484,000 at 6.2% Interest. Will This Be a Drain...
A 59‑year‑old federal employee and his wife bought a Pennsylvania home for $484,000 with a 6.2% mortgage, creating a $3,600 monthly payment that includes taxes and insurance. Their primary residence in New York generates rental income, but the new property does...
Woodford Group Issues Public Apology to Shareholders Amid Uncertain Future
On March 18, 2026, Woodford Group publicly apologized to its shareholders for recent governance lapses and under‑performance, acknowledging an uncertain outlook for the firm. The statement, released from its London headquarters, signals heightened scrutiny of fund‑manager accountability across the wealth‑management...
Envestnet Adds Direct Interval‑Fund Access to UMA Platform, Expanding Advisor Options
On March 16, 2026, Envestnet, a leading wealth‑management technology provider, announced that its Unified Managed Account (UMA) platform will now provide advisors with direct access to interval funds. The integration is rolled out across Envestnet’s Advisor Services ecosystem, giving wealth...
River Global to Transfer Entire Asset‑Management Business to Liontrust in Strategic Deal
London‑based River Global announced today that it has entered a conditional agreement to sell its entire asset‑management arm to fellow UK firm Liontrust. The deal transfers the full portfolio of River Global’s wealth‑management products, representing a notable reshuffle of assets...
ICapital Acquires Hexure to Bolster Insurance‑Tech Suite for Advisors
iCapital, an alternative‑investment platform, announced today that it will acquire Hexure, a life‑insurance and annuity software provider, to broaden its wealth‑tech capabilities for U.S. financial advisors. The deal, terms undisclosed, will integrate Hexure’s FireLight digital sales platform and ForeSight illustration...
Crypto RIA Abra Pursues $750M SPAC Deal to List on Nasdaq
Digital‑asset registered investment advisor Abra, led by founder‑CEO Bill Barhydt, announced a merger with SPAC New Providence Acquisition Corp. III that values the company at $750 million pre‑money. The combined entity, to be named Abra Financial, Inc., would trade on Nasdaq under...
Fundsmith’s Terry Smith Explains Underperformance and Sticks to Strategy
At Fundsmith’s annual meeting, CEO Terry Smith admitted the fund’s performance over the past year was “poor.” He rejected excuses, emphasizing that the short‑term underperformance stems from broader market structural shifts rather than a flaw in the firm’s process. Smith...
Invested Money Isn't Enough—Action Drives Returns
A client told me something last month that I've been thinking about ever since. He said, "Ben, we put in the money. And then what? We just sit here and hope?" He wasn't angry. He was genuinely confused. Like there should be...
Smart Borrowing, Family Tax Planning, Avoid House Debt
💰 Personal finance links: why rich people borrow money, tax planning as a family affair, and why you shouldn't go broke buying a house. https://t.co/6LdWwApcUY image: https://t.co/viXpGW7Ln3 https://t.co/C7cYELGUSE
An Argument for Having Flexibility on the 4% Rule in Retirement
The classic 4% retirement withdrawal rule, which prescribes taking 4% of a portfolio in the first year and adjusting for inflation thereafter, is increasingly seen as too rigid. Longer life expectancies, higher inflation, and projected lower equity returns are eroding...
Explore Historical Return Stacking with Our New Tool
We get lots of questions around what return stacking looks like. So, we built a simple tool to explore how different stack sizes and blends, when layered on different stock/bond bases, behaved historically. (Link below.) https://t.co/ogWicOHDD6
Premium Valuations Possible Even for Commodity Sellers
I wrote this article a couple years ago before resources went on a tear, but I still like to look at cyclical or hated industries through this lens. How does a business get a premium valuation when they sell a...
Sweden Beats California in Capital‑Friendly Wealth Building
“Sweden is more capital-friendly than California in almost every category that matters for building generational wealth”
Compounding Value: Small Gains Reinvested Build Wealth
"Long-duration businesses create value through incremental reinvestment." The biggest investing secret? Value compounds quietly over time. Long-duration businesses win because they reinvest small gains again and again. That’s how real wealth is built.
Compounding Beats Social Security Contributions by Millions
Social Security vs Investing 🤔 So far I’ve paid ~$200K into SS Will add ~$15K/year → ~$560K total by 62 If that same money was invested in SPY… ≈ $2.3M 📈 That’s ~$1.8M in gains vs a system you don’t control....
24 Dividend Leaders Offering Consistent Growth
24 popular dividend stocks that can help you build passive income over time. From V, WMT, MCD, and COST to JPM and GOOG — these are companies with strong businesses behind their payouts. The goal isn’t just yield… it’s consistency + growth. Which...
Steady, Low‑volatility Investing Beats Roller‑coaster Returns
Investors who embrace boring strategies that minimize rollercoaster-like movements in their portfolios are often the ones who stay on track to meet their financial goals. https://t.co/AmWppEmzl3