Core Insights - Tavistock has agreed to acquire a 76.59% stake in UK-based financial advisory firm Lifetime for approximately £5.95 million [1] - Lifetime is recognized for its hybrid model of services, which encompasses financial advice, mortgages, investments, pensions, estate planning, savings, and protection [1] - The deal is subject to approval from the Financial Conduct Authority (FCA) [2] Company Overview - Lifetime offers financial wellbeing solutions, including tools like the Lifetime Hub and app, educational workshops, webinars, and personalized coaching [2] - The company integrates technology and artificial intelligence to enhance its services while ensuring the involvement of qualified professionals [2] Strategic Goals - Lifetime aims to close the advice gap and make financial wellbeing accessible to all, with support from Tavistock's resources and national presence [3] - The acquisition is expected to provide Lifetime with more resources, connections, and investment to expand and enhance its offerings [3] Recent Developments - In November 2024, Tavistock acquired Alpha Beta Partners, an asset management firm, to enhance its investment solutions for clients [4] - Alpha Beta Partners, established in 2017, provides outsourced investment solutions to advisory businesses and networks [4]

Core Insights - The article emphasizes the importance of the initial meeting between clients and financial advisors, highlighting key questions that should be addressed to establish a successful relationship. Group 1: Key Questions for Financial Advisors - Understanding financial goals is crucial, including short- and long-term objectives such as education funding, home buying, and retirement planning [3] - Assessing risk tolerance early on helps shape an investment strategy that aligns with the client's comfort level regarding market fluctuations [3] - Exploring the meaning of money to clients allows advisors to tailor financial strategies that resonate with their values and motivations [4] Group 2: Personal Financial History - Advisors should inquire about clients' financial experiences growing up, as these early influences significantly shape current attitudes and behaviors towards money [5] - Discussing desired financial habits for children indicates an advisor's commitment to the client's long-term family financial well-being [6]

Core Insights - Many advisory firms are experiencing stagnation in organic growth, with over half growing less than 5% in 2023, while about 20% achieved double-digit growth, indicating a disparity in growth strategies within the industry [2] - AI lead-generation tools are emerging as a promising solution to enhance client acquisition and marketing effectiveness, with firms employing these tools seeing significant improvements in lead generation [2][3] Industry Growth Trends - A report from The Ensemble Practice and BlackRock highlights that firms with a structured growth strategy are more likely to achieve higher organic growth [2] - The use of AI tools for tailored marketing and lead identification is becoming increasingly important for advisory firms aiming to differentiate themselves in a competitive market [2][3] AI Tools and Their Impact - AI lead-scoring models are particularly effective in evaluating prospects, leading to a 77% increase in lead-generation return on investment for companies utilizing these models [3] - AI can assist firms in targeting specific niches and demographics, enhancing the personalization of outreach efforts, as demonstrated by a case where an advisor achieved an 80% response rate through a thoughtful campaign [3] Advisor Sentiment on AI - A significant 97% of advisors believe that AI can facilitate organic business growth of over 20%, indicating strong confidence in the technology's potential [4] - Additionally, 87% of advisors expressed willingness to adopt more AI tools in their daily operations if clear benefits are evident, suggesting a readiness for technological integration [4]

I’m trying to nail down what metrics I should use to evaluate how well my retirement account is being managed. I’ve vetted the company that “actively” manages my account. I have $1.5 million invested in a 50/50 mix of stocks and bonds and pay a 0.75% management fee. I would like to know if I’m getting the best bang for my buck. -Chris To know what metrics to track, you first need to consider what you’re expecting from the company managing your account and what they say they provide you. Ultimately, whether ...

Core Insights - Ameriprise Financial, Inc. announced the addition of financial advisor Alex Gunn to Third Coast Advisors, enhancing its advisory capabilities [1] - Alex Gunn has 16 years of industry experience and previously managed over $130 million in client assets at PNC Investments [1] Company Developments - The move is part of Ameriprise Financial's strategy to strengthen its financial advisory practice within the Ameriprise Financial Institutions Group [1] - Third Coast Advisors is located in Georgetown, Texas, and focuses on providing advice and investment services to its clients [1]

Core Insights - Cabrillo Advisors has joined the Crete Professionals Alliance (CPA), enhancing its service offerings while maintaining its brand and leadership [1][5] - The CPA network consists of over 20 firms nationwide, providing a range of services including taxation, auditing, and bookkeeping [1][2] Service Offerings - Cabrillo Advisors specializes in business valuations and financial opinions, compliant with GAAP, IFRS, and IRS regulations, and manages valuations for transactions under ASC 805 and ASC 820 [2][3] - The firm also provides valuations for stock options in accordance with IRC 409A and ASC 718, and offers advisory services for trust and estate planning [3] Client Benefits - Joining CPA allows Cabrillo Advisors' clients to access a wider network of support services across various disciplines such as human resources, finance, legal, and IT [4] - The collaboration incorporates AI-driven tools and automated solutions to enhance client outcomes [4] Strategic Expansion - The partnership extends Cabrillo Advisors' reach by integrating global talent from offshore locations, improving recruitment infrastructure and future M&A activities [5] - Cabrillo Advisors' CEO emphasized that this partnership represents a transformative chapter for the firm, allowing clients to access a comprehensive range of integrated services while continuing to work with familiar leadership [6]

Core Insights - Roth conversions can have significant and immediate tax implications, making it essential for individuals to consult with a financial advisor to explore the best options for their specific situations [1] Group 1: Roth IRA and RMDs - Roth IRAs are not subject to Required Minimum Distributions (RMDs), making them an attractive option for households looking to avoid these distributions by converting 401(k)s into Roth IRAs [2] - The only requirement for conversion is that the assets must originate from a pre-tax portfolio, and the converted assets cannot be part of a required minimum withdrawal [2] Group 2: Financial Planning Considerations - Required Minimum Distributions can disrupt financial planning, as they increase taxable income and can reduce the account's value, which may not align with some households' goals of leaving assets to heirs [3][4] - The decision to convert a 401(k) to a Roth IRA should be tailored to individual financial situations, as there is no one-size-fits-all approach [5] Group 3: Tax Implications of Conversion - Converting funds from a pre-tax account to a Roth IRA requires the converted amount to be included in taxable income for the year, which can lead to significant tax liabilities [8] - For example, converting $250,000 from a 401(k) could result in approximately $54,547 in taxes owed [8] Group 4: Strategies for Conversion - It is generally advisable to convert pre-tax accounts earlier in life to minimize tax liabilities, as delaying the conversion can lead to higher taxes on account growth [9] - Converting in stages can help manage tax rates and reduce the overall tax burden [9] Group 5: Age and Income Considerations - Younger individuals with lower current incomes are more likely to benefit from converting their 401(k) to a Roth IRA, as they can maximize tax-free returns [13] - Conversely, older individuals with higher retirement incomes may face significantly higher taxes if they convert their portfolios, making it less advantageous [17][19] Group 6: Long-Term Growth and Inheritance - A Roth IRA can be a more valuable inheritance than a 401(k), making conversions worthwhile in certain circumstances, especially for those looking to leave assets to heirs [19] - The effectiveness of a Roth conversion strategy largely depends on individual financial situations and proximity to retirement [20]

转自：新华财经 新华财经北京8月30日电（记者孙广见）29日，汇正财经CTO任琛在2025百度云智大会上表示，当前金 融投顾已迈向"3.0的智能化服务"，即依赖认知与决策升级的"超脑时代"，当传统投顾仅靠知识储备无 法解决信息差和实时客观性，真正的破局点应该用AI技术重构金融投顾服务的底层逻辑，让AI处理信 息的确定性，人类驾驭不确定性。 据了解，汇正财经自研"河图经略"产品，可将复杂的金融知识拆解成客户能理解的语言，可支持定制化 从"投资新手"到"资深投资者"的用户标签，为客户提供全生命周期的终身陪伴。汇正财经独特的智能投 教生态，不仅展现了极具针对性的个性化投教服务能力，也为用户带来了"更理性的投资决策"。 用AI突破"信息茧房"，发现"隐形机会"，为客户做出智能预判，才能让投顾走在客户需求的前面。借助 各类模型及衍生应用，能够处理海量数据、预判潜在风险、优化决策路径等复杂问题。例如，汇正财经 用百度云的时序行为分析模型，构建了"客户需求预判引擎"，能够精准为用户匹配推荐投资相关需求， 从而提升投顾的客户跟进效率，建立用户黏性，让服务成为"生长性资产"。 面对AI投顾从"辅助工具"向"基础设施"的跃迁，不 ...

Full Year 2025 (FY25) Results Presentation 26 August 2025 For personal use only How We Do It OneConnected team - Building scale and capability organically and via acquisition Who We Are For personal use only 2 2 Accounting & Business Advisory Alternative Funding Consulting Employee Share Plan Administration & Management Corporate Finance, M&A & Corporate Development Investment Research & Retail Managed Funds/Solutions SMSF Advice & Administration Property Asset Management Alternative Asset Management Strate ...

Group 1 - Jim Wyckoff has over 25 years of experience in stock, financial, and commodity markets [1] - He has worked as a financial journalist and covered various futures markets in the U.S. [1] - Jim is the proprietor of an analytical, educational, and trading advisory service [2] Group 2 - He has held positions as a technical analyst for Dow Jones Newswires and as a senior market analyst with TraderPlanet.com [2] - Jim has also been a consultant for the "Pro Farmer" agricultural advisory service [2] - He was the head equities analyst at CapitalistEdge.com [2] Group 3 - Jim Wyckoff provides daily market roundups and technical analysis on Kitco.com [3]