Automobile Insurance - Suze Orman highlights the risk of dropping comprehensive coverage for older cars to save on premiums, warning that those reliant on their cars for daily commutes may face significant financial loss in case of disasters without insurance payouts [1] Homeowner's Insurance - Orman advises against homeowner's insurance policies that pay out based on cash value, recommending instead policies that cover replacement value to ensure adequate compensation [2] Life Insurance - Orman strongly favors Term Life insurance over Whole Life due to its higher payouts for lower premiums, suggesting that the premium savings should be invested or added to emergency savings [3][4] Credit Cards - Orman encourages the use of credit cards but emphasizes the importance of managing high-interest rates, suggesting strategies like negotiating lower rates and balance transfers to alleviate debt [8] Emergency Savings - A fundamental principle in Orman's advice is maintaining an Emergency Savings account equivalent to one's annual salary, with a focus on building this fund in manageable increments [15][19] Estate Planning - Orman discusses the importance of planning for funeral expenses and health care proxies, emphasizing the need for clear documentation to avoid ambiguity in wishes [11][12]

Key Points If you’re going to have a financial advisor, it’s important to find the right person for the job. Ask about license and experience before signing on. Make sure you understand what fees you’ll be charged. Investors rethink 'hands off' investing and decide to start making real money Choosing a financial advisor is one of the most important money-related decisions you can make, yet many people approach it casually or skip the vetting process altogether. With countless professionals offeri ...

Core Viewpoint - Perella Weinberg Partners plans to release its financial results for the full year and fourth quarter of 2025 on February 6, 2026, before market opening [1] Group 1: Financial Results Announcement - The financial results will be released on February 6, 2026, before the market opens [1] - A conference call and webcast will be held on the same day at 9:00 AM ET to review the results [2] - The conference call will be accessible to the public via a listen-only webcast on the company's website [2] Group 2: Replay Information - A replay of the conference call will be available two hours after the live call until February 13, 2026 [2] - Domestic and international dial-in numbers for the replay are provided [2] Group 3: Company Overview - Perella Weinberg is a leading global independent advisory firm offering strategic and financial advice to a diverse client base [3] - The firm has approximately 700 employees and maintains offices in major cities including New York, London, and San Francisco [3]

Core Insights - An Ohio-based advisory team with approximately $2 billion in client assets is transitioning to LPL Financial from Fifth Third Private Bank [1] - The new firm, Moto Wealth Partners, will operate under LPL Financial's W-2 advisor affiliation model, focusing on high-net-worth and ultra-high-net-worth clients [2] Group 1: Team Background and Motivation - Breanne Bovara and Derrick Petry, the advisory duo, have extensive experience, with Bovara registered at Fifth Third since 2017 and Petry having joined in 1999, eventually becoming vice president and senior portfolio manager [2] - The team aims to provide support during significant life changes and desires independence and fiduciary flexibility in their new role [3] Group 2: LPL Financial's Offerings - LPL Financial offers operational freedom and advanced tools to enhance client experiences, including access to cutting-edge technology and integrated planning resources [4] - A recent strategic relationship with Wealth.com allows LPL advisors to utilize an estate planning platform, enhancing their service offerings [4] Group 3: LPL Financial's Growth and Retention - LPL is in the process of acquiring Commonwealth, which has 3,500 advisors and $305 billion in assets under management, with a goal to retain 90% of advisors during the transition [5] - As of the third quarter of the previous year, LPL had retained nearly 80% of Commonwealth's assets through advisor retention efforts [5] Group 4: Market Dynamics - Analysts at Wolfe Research noted a slowdown in attrition from LPL by December, with Raymond James being the primary beneficiary of departing Commonwealth representatives [6]

Core Insights - The required minimum distribution (RMD) is often overlooked by clients, leading to costly tax penalties, with approximately 1 in 3 clients either missing a distribution or withdrawing insufficient amounts [1][2] Group 1: RMD Statistics - Research indicates that 6.7% of clients failed to take their RMD in 2024, while 24% withdrew less than the required amount, with an average missed RMD of $11,600, resulting in potential penalties of up to $2,900 [2] - Among clients with IRA balances over $1 million, 2.5% missed their RMDs, with an average tax penalty of nearly $8,800 for such lapses [3] Group 2: Behavioral Insights - Errors related to RMDs tend to be persistent, with 55% of clients who miss an RMD in one year likely to miss it again the following year, indicating a behavioral pattern of neglect [4] - Self-directed investors are three times more likely to miss RMDs compared to those who work with financial advisors, highlighting the value of advisory services in managing RMDs [5] Group 3: Advisory Recommendations - Financial advisors can help clients avoid penalties by ensuring they take their full RMDs, and if a missed RMD is identified, there are steps to mitigate penalties [6] - Quick action and proper documentation are essential for clients who miss an RMD, as the IRS may waive or reduce penalties if the situation is addressed promptly [7][8]

How Financial Advisors Can Use ChatGPT Without Losing the Human Touch - Barron'sSkip to Main ContentThis copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.---# How Financial Advisors Can Use ChatGPT to Work More Efficiently–Without Losing the Human Touch## Artificial intelligenc ...

Core Insights - A Georgia-based financial advisor, Todd Burkhalter, pleaded guilty to a $380 million fraud, potentially the largest Ponzi scheme in Georgia's history [2] - Burkhalter's firm, Drive Planning, marketed investment opportunities such as the "Real Estate Acceleration Loan" (REAL) and the "Cash Out Real Estate Fund" (CORE) [2][5] - The scheme involved false claims about guaranteed returns and collateralization of investments, misleading thousands of investors [4][5] Investment Scheme Details - Burkhalter falsely represented REAL as a bridge loan fund for real estate developers, while it operated as a Ponzi scheme [3] - Investors were promised 10% guaranteed returns every three months, with claims that their funds were secured by real estate [4] - The CORE Fund was marketed as providing 100% passive income from tax liens, with similar return promises, but funds were not invested as claimed [5] Misuse of Funds - Burkhalter misappropriated investor funds for personal expenses, including $80,000 for legal fees and luxury purchases [6] - Significant expenditures included $2 million on a yacht, $2.1 million on a luxury condo in Cabo San Lucas, and $800,000 on luxury vehicles [7] - The scheme involved using new investors' funds to pay existing investors, characteristic of a Ponzi structure [6]

Core Insights - Financial advisors have a limited role in advising clients on retirement savings rollovers, with only 22% of the record $1 trillion in rollovers last year being influenced by advisors [2][5] - The $1 trillion in rollovers is the highest recorded since 2015, indicating a trend towards increased money movement, with an estimated 74 million households considering moving investable assets [2] - Total retirement savings have increased to $48.1 trillion, reflecting a 4.5% rise from the previous quarter, with individual retirement accounts and defined contribution plans holding significant portions of this amount [3] Group 1: Rollover Trends - Households made a record $1 trillion in rollovers last year, with a significant increase in the number of households considering moving assets, rising by 15 million from the four-year norm [2] - The average rollover amount is $133,000, with 83% of rollovers below $100,000 and 16% above $100,000, indicating a wide range of rollover sizes [4] Group 2: Advisor Engagement - Advisor-influenced rollover transactions increased to 22% in 2025, up from 17% in 2024, suggesting a growing opportunity for advisors to engage more effectively with clients [5] - The need for strong brand recognition and marketing is emphasized for advisors to capture a larger share of rollover transactions, as there is more potential for growth in this area [5]

As filed with the U.S. Securities and Exchange Commission on January 23, 2026. Registration No. 333-[*] UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM F-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 STARRYGAZEY INC. (Exact name of registrant as specified in its charter) British Virgin Islands 8742 Not Applicable (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Numb ...

Core Insights - Perella Weinberg Partners has strengthened its healthcare services capabilities by appointing Benjamin Port as a Partner [1][2][3] Company Overview - Perella Weinberg Partners is a leading global independent advisory firm providing strategic and financial advice to a diverse client base, including corporations, financial sponsors, governments, and sovereign wealth funds [4] - The firm operates with approximately 700 employees and has offices in major cities including New York, London, and San Francisco [4] Appointment Details - Benjamin Port will focus on providing strategic and financial advice to healthcare services clients, leveraging his expertise in areas such as retail multi-site healthcare, physician practice management, behavioral health, home health and hospice, and outsourced services [2][3] - Port previously worked at Robert W. Baird, where he specialized in Healthcare Services [2] Strategic Importance - The addition of Port marks the third recent senior hire in the healthcare services sector for Perella Weinberg, underscoring the firm's commitment to building a leading healthcare services franchise [3] - The healthcare services industry is described as dynamic and complex, and Port's insights are expected to be invaluable for client transformation and growth [3]