Welcome back to Morning Trade Live. It's time now for the big picture. So, let's welcome in the team from Charles Schwab.We're joined by Kathy Jones, fixed income strategist, the chief fixed income strategist, I should say, Schwab Center for Financial Research and Michelle Gibli, director of international equity research and strategy. Ladies, thanks so much for joining me. Kathy, I do want to start with you.Uh, given everything we've heard as far as the data is concerned, obviously the SCOTUS ruling on Trum ...

PayPal Holdings, Inc. (PYPL) Shareholders Who Lost Money Have Opportunity to Lead Securities Fraud Lawsuit [Accessibility Statement] Skip NavigationLOS ANGELES, Feb. 25, 2026 /PRNewswire/ -- [The Law Offices of Frank R. Cruz] announces that investors with losses related to PayPal Holdings, Inc. ("PayPal" or the "Company") (NASDAQ: [PYPL]) have opportunity to lead the securities fraud class action lawsuit.IF YOU ARE AN INVESTOR WHO SUFFERED A LOSS IN PAYPAL HOLDINGS, INC. (PYPL), CLICK [HERE] BEFORE APRIL 20 ...

Passing the CFP® exam is a requirement to become a Certified Financial Planner professional. On test day, you're allowed to bring an approved battery-powered, non-programmable financial calculator with you. The CFP Board does not specify how many calculation questions are included on the exam, but you can prepare for them by familiarizing yourself with the formulas used to complete them. You'll find them listed on the CFP formula sheet, which is included in the exam candidate handbook. Are you looking to ...

Group 1 - The article discusses the nature of stock market corrections, defining a correction as a decline of 10% or more in the S&P 500 index from its recent high, with bear markets defined as declines of 20% or more [1] - Since 1974, there have been 27 instances of 10%-or-deeper corrections in the S&P 500, averaging approximately one correction every two years, although these do not occur on a fixed schedule [1] - Only six out of the 27 corrections since 1974 have devolved into bear markets, indicating that while corrections can lead to significant declines, they do not always result in prolonged downturns [1] Group 2 - The average recovery time from a 10% to 20% correction in the S&P 500 is about eight months, while bear markets typically see an average decline of 20% and recover in one to two years [1] - The article emphasizes the importance of maintaining a calm mindset during corrections, as panic selling can lead to unnecessary financial losses [1] - Investors are encouraged to view corrections as potential buying opportunities, suggesting that purchasing S&P 500 stocks during these times can be beneficial in the long run [1]

Core Insights - The article discusses the financial challenges faced by retirees, emphasizing the need for adequate savings and planning for retirement expenses, particularly in light of Social Security benefits and healthcare costs. Group 1: Retirement Savings and Planning - The typical retired worker receives approximately $24,852 annually from Social Security benefits, combined with an additional $16,000 from personal savings, totaling $40,852, which may necessitate lifestyle adjustments for many retirees [1][6] - Financial experts recommend the 4% rule for retirement savings, suggesting that retirees withdraw 4% of their savings in the first year and adjust for inflation thereafter, aiming for a sustainable income over 30 years [3][4] - A study by Northwestern Mutual indicates that many Americans believe they need around $1.26 million saved for a comfortable retirement, highlighting a significant gap for individuals like Sam, who has $400,000 saved [4][5] Group 2: Retirement Expenses - The average annual expenditure for Americans aged 65 and older was reported to be $61,432 in 2024, indicating that relying solely on $40,852 could lead to a financial shortfall unless retirees live frugally [8] - To meet the average expenditure, individuals like Sam would need approximately $914,500 saved by retirement, factoring in Social Security benefits [8] - Healthcare costs are a significant consideration, with typical expenses for a 65-year-old projected to be $172,500 throughout retirement, emphasizing the importance of planning for these costs [9] Group 3: Investment Strategies - The article suggests diversifying retirement savings through various accounts, including gold IRAs, which can provide tax benefits and protect against market volatility [11][12] - Wealthfront offers a Cash Account with a competitive APY of 4.05%, which can help retirees grow their emergency funds while maintaining easy access to cash [19][20] - Automated investment platforms like Acorns can facilitate saving and investing habits, allowing individuals to grow their wealth effortlessly [22][23] Group 4: Seeking Professional Advice - The complexity of retirement planning may necessitate consulting with financial advisors who specialize in retirement strategies, helping individuals navigate budgeting and investment decisions [24][26] - Advisor.com connects users with registered investment advisors, providing a resource for individuals seeking tailored financial guidance [25][26]

产品分层，展示收益率普遍高于定存 记者注意到，面对投资者差异化的风险偏好、资金流动性与收益目标等需求，多家理财公司在这轮营销 中并未采用"一刀切"的推销模式，而是通过不同客群分类，提供差异化的产品选择。 随着春节假期结束，各行各业迎来"开工季"，居民节后资金也进入新配置窗口，理财公司开工"第一 枪"打响。记者梳理发现，马年开工第一时间，中银理财、信银理财、工银理财、农银理财等多家理财 公司密集推出"开工理财"专题，以"马年接财""开工大吉"等主题营销抢占新年理财入口。 从年终奖、压岁钱到开工利是规划，从保守型、稳健型到进取型产品精选，理财公司正通过场景化、差 异化策略，在年初资金回流期展开新角逐。专家提醒，投资者在进行"开工理财"投资时，要将年终奖、 压岁钱等纳入家庭年度财务蓝图，先问用途后选产品，同时务必看清产品风险等级和投资方向，勿盲 从、注意分散配置。 抢滩"开工理财"入口，理财公司密集布局 马年开年伊始，理财公司竞相发力抢占市场先机。记者梳理发现，新春开工后，已有信银理财、中银理 财、工银理财、农银理财、交银理财、建信理财、平安理财、民生理财等多家理财公司在公众号推 出"开工理财"专题营销活动，形成理 ...

NEW YORK, Feb. 25, 2026 (GLOBE NEWSWIRE) -- OTC Markets Group Inc. (OTCQX:OTCM), operator of regulated markets for trading 12,000 U.S. and international securities, today announced RFA Financial Inc. (TSX:RFA, OTCQX:RFAFF), a Canadian financial services company, has qualified to trade on the OTCQX® Best Market.RFA Financial Inc. begins trading today on OTCQX under the symbol "RFAFF." U.S. investors can find current financial disclosure and Real-Time Level 2 quotes for the company on www.otcmarkets.com.Tradi ...

NEW YORK, Feb. 25, 2026 (GLOBE NEWSWIRE) -- OTC Markets Group Inc. (OTCQX: OTCM), operator of regulated markets for trading 12,000 U.S. and international securities, today announced RFA Financial Inc. (TSX: RFA; OTCQX: RFAFF), a Canadian financial services company, has qualified to trade on the OTCQX® Best Market. RFA Financial Inc. begins trading today on OTCQX under the symbol “RFAFF.” U.S. investors can find current financial disclosure and Real-Time Level 2 quotes for the company on www.otcmarkets.com. ...

Financial Performance - Brooks Macdonald Group reported an underlying profit before tax of £13.6 million, a decrease of 12% from £15.5 million in the same period last year [1] - Revenue increased by 12% to £58.2 million, driven by growth in financial planning and fee income, although this was partially offset by reduced interest and transactional income [1] - Total funds under management and advice rose to £20.1 billion, up from £19.1 billion at the end of June 2025 [1] Asset Management - Of the total funds, £17.8 billion was managed directly, while £2.3 billion represented advised-only assets [2] - The company reported net inflows of £2 million, reversing the net outflows of £262 million recorded in the first half of 2025, marking the first positive net flows since the second half of 2023 [2] Cost Management - Underlying costs, excluding acquisitions and net finance income, increased by 3% to £45.4 million, while total underlying costs, including acquisition-related costs, rose by 20% from £37.8 million in the previous year [2] - The company achieved annualised savings of £3 million through the use of AI to reduce administrative workload and restructuring [4] Dividends and Growth Strategy - The board proposed an interim dividend of 31.0 pence per share, reflecting a 3% increase [3] - The company is focused on its 'Reignite Growth' strategy, investing in digital infrastructure, AI applications, and product development [3] Client Retention and Service Growth - Client retention remained high at 98%, with ongoing double-digit growth in Managed Portfolio Service assets and a 4% increase in Bespoke Portfolio Service assets [4][5] - There was a nearly 50% reduction in net outflows from bespoke portfolios and an 8% rise in high-net-worth clients [4] Future Outlook - The company expects revenue patterns from the first half to continue into the second half of the year, with costs anticipated to remain similar to earlier in the year [5] - Full-year results are expected to align with current market expectations, maintaining medium-term goals for net inflows and cost growth [6]

随着春节假期结束，各行各业迎来"开工季"，居民节后资金也进入新配置窗口，理财公司开工"第一 枪"打响。记者梳理发现，马年开工第一时间，中银理财、信银理财、工银理财、农银理财等多家理财 公司密集推出"开工理财"专题，以"马年接财""开工大吉"等主题营销抢占新年理财入口。 从年终奖、压岁钱到开工利是规划，从保守型、稳健型到进取型产品精选，理财公司正通过场景化、差 异化策略，在年初资金回流期展开新角逐。专家提醒，投资者在进行"开工理财"投资时，要将年终奖、 压岁钱等纳入家庭年度财务蓝图，先问用途后选产品，同时务必看清产品风险等级和投资方向，勿盲 从、注意分散配置。 抢滩"开工理财"入口，理财公司密集布局 马年开年伊始，理财公司竞相发力抢占市场先机。记者梳理发现，新春开工后，已有信银理财、中银理 财、工银理财、农银理财、交银理财、建信理财、平安理财、民生理财等多家理财公司在公众号推 出"开工理财"专题营销活动，形成理财行业的"开工季"营销共振。 例如，中银理财以《新发产品推荐｜激活开工好状态，今日宜理财》为主题，推出多个1元起购的封闭 式新产品，最低持有期限覆盖208天至1065天，风险等级覆盖R1（低风险）、R2（ ...