Core Insights - The beginning of 2026 presents various challenges for advisors, including shifting rate expectations and valuation concerns in a top-heavy market [1] - Despite these challenges, ETFs have attracted significant investment, gathering an impressive $165 billion [1] Group 1 - Advisors are facing challenges related to changing interest rate expectations [1] - There are concerns regarding valuations in a market that is perceived as top-heavy [1] - The ETF market has shown resilience by accumulating $165 billion in investments [1]