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Advisors have until October 15 to fund 2025 SEP IRAs for extended business returns, remove excess 2025 contributions, and recharacterize contributions clients have changed their minds about.
The Sept. 28 records show the week's largest single advisor count; UBS and Raymond James each lost three-advisor teams earlier in the week.
The rule, in place since 2010, bars compensated advisory service to government clients for two years after certain political contributions, and many firms responded by banning giving outright.
Practices that ask more than once a year report 3.0% referral growth, against 5.4% for those that never ask; service calendar users add 1.1 points.
The crypto sleeve now follows the same rebalancing schedule and tax treatment as every other holding, which is the version of digital assets that scales across a book.
The platform build Naureen Hassan is leading will set two prices for UBS's 6,000 brokers: what a team costs to recruit and what a book is worth at retirement.
Putting the crypto sleeve on the same rebalancing schedule and tax treatment as the rest of the book is the unglamorous version of mainstreaming digital assets — and the one that scales.
Save's Market Savings puts principal-protected yield in front of more than 16,000 RIAs on Schwab's platform, and gives the next custody renewal a number it never had to defend.
Climate Week's panel handed advisors one practical instruction: underwrite climate risk inside the managers clients already own.
Save's Market Savings puts principal-protected yield in front of more than 16,000 RIAs on Schwab's platform, and turns the sweep into something advisers can shop.
The 239 deals through September 22 put the year two ahead of last year's record pace and the quarter 19% behind it, a split that should shape a succession timeline.
The 100,000-advisor shortfall will keep getting answered with transition checks until firms decide the discovery conversation is worth training and screening for.
The new substantiation rates pay more for the room and nothing extra for the plate, reshuffling which per-diem clients actually come out ahead.
Goldman strategists expect the AI buildout that delivered the gain to start charging for itself, leaving the trailing four quarters a poor basis for planning.
A mechanical 10% raise whenever the portfolio clears 150% of its starting value would let clients spend the upside the 4% rule leaves behind — if the trigger gets written down in advance.
One-time, taxed cash is now measured against equity that gets priced at the next transaction, and this quarter’s moves show advisors doing that math.
The July 2025 tax law made the real number in a practice sale depend on a structure the owner chose years before any buyer called.
Treat climate as a fund-selection question and you miss the planning decisions clients are about to make: where they live, whether to move, and whether the plan survives the answer.
Retention cash arrives once and is taxed once; the RIA equity it now competes with gets priced by the next transaction, and Ameriprise's own CEO has already written the test for which payment survives.
DeVoe's 19% dip counts decisions made a year ago, which makes it a reading on timing rather than a reading on value.
EIG's 76.2 million uncovered workers split into two prospect lists, and only one of them can be dialed directly.
The capital menu answers how a founder gets paid; naming the successor is a different transaction, and the money does not touch it.
The July 2025 law made 199A permanent and widened the QSBS exclusion, putting a structure the owner picked years ago back on the agenda with the bill arriving at the sale.
Amplified's Externship drew more than 2,800 students this summer, and the firms folding it into their own programs are buying what a resume cannot show.
Disability status, automatic for SSDI recipients, decides whether an inherited Roth pays out over ten years or a lifetime — which makes it conversion-planning input.
The seven considerations are sound; the sequence most advisors inherit keeps a concentrated client holding.
Its introducing-broker model leaves RIAs comparing a workflow number against unpublished clearing economics.
Founders who never put a number on the internal buyout do not avoid the sale; they hand the terms to whichever outside buyer drafts them first.
A 2013 paper's challenge to the safe withdrawal rate still frames retirement-income conversations, and explains why a round number is the wrong thing to promise.
A Journal of Financial Planning paper inventories what planners actually deliver, and that list is a stronger client conversation than any performance comparison.
The 2015 Blanchett paper prices the conversation most practices run informally: which goals get funded, and in what order.
A protected title would flow into every bio page, pitch deck and conference badge where the phrase is used as a claim, tested against standards the association has yet to write.
The bill names no eligible occupations and no reduction for filing at 60, leaving advisors to gather the paper and price the trade-off before the list exists.
Edward Jones and Morning Consult found that 86% of junior advisors want to inherit a retiring founder's practice, while only 38% of senior advisors anticipating a transition within five years have named a successor—a gap that reads as a documentation failure and prices like an offer left unwritten.
Noticing decline is the easy half; a power of attorney the custodian will actually accept is what keeps a client's account out of guardianship.
Three studies show advisers chasing household assets without the hours or the numbers to back the pitch clients never hear.
For an RIA weighing custodians, the introducing-broker model moves revenue rather than assets, and the terms that would decide the switch stay unpublished until a 2027 onboarding window.
A survey of 1,008 future inheritors finds the children already have advisers, which makes next-generation engagement a matter of adding households before the estate settles, not after.
The firm-level IARD waiver runs through 2027 and the rep fee holds at $15, leaving the compliance hours that scale with headcount as the real cost of state registration.
Comparing platforms means pricing the workflow above clearing—and asking what the 90-second number includes.
As Morgan Stanley raises thresholds 10% and Cresset pulls a $4 billion UBS team, UBS's 2027 plan bets a compounding annual payout can beat an upfront check.
An unchanged 2027 payout grid and a funded 25% growth bonus leave UBS advisors comparing a cash advance against a repayment obligation — and force competing RIAs and recruiters to quote the whole move.
Tuesday's tape marked down Schwab, Ameriprise and Raymond James over one consumer app — and the layer it threatens is the layer most practices still bill for.
Specific identification can shrink the ordinary-income piece of an appreciated employer-stock position, provided per-share purchase records survive.
The CFP Board's rollover framework turns the advisor's built-in fee conflict into a written, client-specific analysis, and the firms that run it at every separation event will convert more of them.
Series vehicles that fill in five days are making master structures and administrators, not deal flow, the gate that controls alternatives in advisor accounts.
Four teams and $10 billion or more out of Ameriprise this year make the Schwab-Dynasty playbook the template for any advisor weighing independence, custodian and package structure at once.
Natixis's Global Retirement Index hands advisors a client-facing reason to put a benefit-cut line inside every income plan they write.
Deal counts fell 9% while seller assets climbed 88%, and the gap between those two numbers is where a founder's pitch and the premium get decided.
Hyperscaler issuance is projected at a record $420 billion next year, and the extra 37 basis points on AI debt is compensation for supply crowding rather than credit risk.
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