Core Insights - The transition from wealth accumulation to preservation and distribution introduces new risks for retirees, impacting long-term financial security [1] Group 1: Retirement Risks - Sequence of returns risk is a significant threat for retirees, where early market downturns can force the sale of investments at depressed values, potentially reducing portfolio longevity [2] - Rising healthcare costs and long-term care expenses can severely deplete savings, while longevity risk increases as life expectancies rise [4] Group 2: Withdrawal Strategies - The order in which different account types are accessed for withdrawals is critical, as taking money from the wrong account can lead to unnecessary tax liabilities [3] Group 3: Advisory Fees - Advisors typically charge around 1% on assets under management (AUM) for portfolios up to $1 million, translating to $10,000 annually for a $1 million portfolio, which can accumulate to over $300,000 in fees over a 20-year retirement [5]

Core Insights - The importance of having the right conversations with financial advisors is emphasized as market conditions and personal financial situations evolve over time [1] Group 1: Tax Handling - Different firms have varying approaches to handling clients' taxes, with some employing in-house tax experts while others collaborate with external tax advisors [2] Group 2: Communication Preferences - The frequency and method of communication between clients and advisors can differ based on individual preferences, highlighting the need for a suitable fit [3] - Digital communication options, such as texting or online portals, should be available, with a focus on privacy and information security [4] Group 3: Reporting and Performance Tracking - Clients should inquire about the nature of reporting, including the frequency and comprehensiveness of investment updates, and whether they can access real-time data [5] Group 4: Financial Tools and Personal Situation - It is crucial to assess whether specific financial tools or services align with an individual's financial situation, considering alternatives for better expense management [6]

Billionaire Ron Carson pulled himself out of poverty by building a $55 billion financial advisory giant and teaching other advisors to scale like him. Now, thanks to his own personal coaches, he’s changed his name to Omani and found joy. https://t.co/ibxRBGl2pd (📸: Cody Pickens for Forbes) ...

Quick Read Probate attorney fees are calculated as a percentage of estate value. Some estates lose over $100,000 to court supervision. Revocable living trusts bypass probate entirely by transferring assets directly to beneficiaries without court involvement. Unfunded trusts provide zero probate protection. Many families pay for trust documents but never complete the retitling process. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dre ...

Billionaire Ron Carson pulled himself out of poverty by building a $55 billion financial advisory giant and teaching other advisors to scale like him.Now, thanks to his own personal coaches, he’s changed his name to Omani and found joy.Read the full story: https://t.co/ibxRBGl2pd📸: Cody Pickens for Forbes ...

Billionaire Ron Carson pulled himself out of poverty by building a $55 billion financial advisory giant and teaching other advisors to scale like him.Now, thanks to his own personal coaches, he’s changed his name to Omani and found joy.Read the full story: https://t.co/ibxRBGl2pd📸: Cody Pickens for Forbes ...

Core Insights - The certification of financial planners correlates positively with client satisfaction and wealth management outcomes, indicating that certified financial planners (CFPs) provide better value to clients compared to non-CFP advisors [1][2]. Group 1: Client Trust and Satisfaction - At least 73% of clients with CFPs reported "strong trust" in their planners, while only 52% of clients with non-CFP advisors felt the same [3]. - Nearly two-thirds of CFP-advised clients expressed being "very satisfied," compared to 44% of those with non-CFP advisors [3]. - CFP clients reported a greater reduction in financial anxiety and motivation towards long-term planning goals, surpassing non-certified planner clients by over 20 percentage points [3]. Group 2: Research and Methodology - The CFP Board's study is described as the first comprehensive academic research tracking the impact of holistic financial planning on clients, examining outcomes over at least a decade [2]. - The May 2025 survey included 4,567 participants, with 3,357 from the previous year's sample, all having annual incomes of at least $50,000 and investable assets of $30,000 [5]. - 38% of the surveyed group reported having hired a financial planner, highlighting the prevalence of financial planning services among individuals with sufficient income and assets [5]. Group 3: Industry Perspectives - Industry experts, such as Matt Regan from Wealthcare, emphasize that comprehensive wealth management discussions yield better client value than traditional investment-only approaches [4]. - The shift away from investment-only advisors is noted, with a growing recognition of the importance of holistic financial planning [4][5].

Core Viewpoint - CBIZ, Inc. will announce its financial results for the fourth quarter and full year ended December 31, 2025, on February 25, 2026, after market close [1] Group 1: Financial Results Announcement - The financial results will be disclosed after markets close on February 25, 2026 [1] - A conference call to discuss the results will be hosted by the President and CEO, Jerry Grisko, and CFO, Brad Lakhia, at 5 p.m. ET on the same day [2] - The conference call will be available via live webcast on the investor relations page of the CBIZ website, with an archived replay accessible afterward [2] Group 2: Registration and Participation - Investors can register for the conference call to receive the dial-in number and a unique personal identification number [3] - Registration will remain open throughout the live call, with a recommendation to dial in approximately 10 minutes early to avoid delays [3] Group 3: Company Overview - CBIZ, Inc. is a leading professional services advisor to middle-market businesses across the United States [4] - The company has expertise in various sectors, including accounting, tax, advisory, benefits, insurance, and technology, providing actionable insights for growth [4] - CBIZ employs over 9,500 team members across 23 major markets nationwide [4]

Core Insights - A Southern California-based advisory team, Alpha Cubed Investments, with approximately $3.8 billion in client assets, is joining Captrust Financial Advisors, marking a significant expansion for Captrust [1][2] - The acquisition is seen as a strategic move to enhance Captrust's growth strategy, leveraging Alpha Cubed's effective advisory teams [3] Company Overview - Alpha Cubed Investments, founded in 2011, has 28 employees, including 16 advisors, and is headquartered in Orange County, California, with an additional office in Scottsdale, Arizona [2] - Captrust, based in Raleigh, North Carolina, manages over $1 trillion in assets and employs more than 1,800 staff across 90 locations, focusing on financial planning, wealth management, and ultra-high-net-worth concierge services [4] Recent Developments - Captrust recently acquired Meritage Portfolio Management, a Kansas City-based wealth manager with about $2.4 billion in client assets, increasing its presence in Kansas City to two offices and 54 employees [4][5] - Captrust has introduced a new health concierge service in partnership with the Cleveland Clinic, providing clients access to executive-level physicians and wellness coordinators [6][7]

Core Insights - Lazard, Inc. reported preliminary assets under management (AUM) of approximately $267.0 billion as of January 31, 2026, reflecting a market appreciation of $7.6 billion, net inflows of $2.9 billion, and foreign exchange (FX) appreciation of $2.1 billion [1] Group 1: Assets Under Management - The AUM as of January 31, 2026, includes $195.775 billion in equity, $35.758 billion in fixed income, $25.267 billion in multi-asset, and $10.153 billion in alternatives [1] - The total AUM increased from $254.300 billion as of December 31, 2025, indicating a growth of approximately 5.5% month-over-month [1] Group 2: Company Overview - Lazard is a leading financial advisory and asset management firm, established in 1848, with a global presence across North and South America, Europe, the Middle East, Asia, and Australia [1] - The firm provides a range of services including advice on mergers and acquisitions, capital markets, restructuring, and asset management for various clients including institutions, corporations, and high net worth individuals [1]