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In financial planning, clarity is currency. Clients who understand the strategies behind their finances stay with an advisor longer and invest more confidently. A recent study found that nearly 90% of clients consider an advisor’s engagement style when referring friends and family.

When it comes to navigating clients through a maze of technical terms, unfamiliar acronyms, and convoluted explanations, the stakes are high. The solution? Embracing simplification to help clients feel empowered and to build trust.

Retirement is something clients naturally look forward to, imagining time spent with grandchildren, traveling the world, or finally finishing their novel. But the reality is that the five years before and after retirement—known as the “retirement red zone”—are among the most critical for their financial future.

As the Federal Reserve pivots toward monetary easing, small-cap equities are stepping into the spotlight. With back-to-back rate cuts in September and October 2025, and markets pricing in additional cuts through 2026, financial advisors are reevaluating their small-cap exposures.

Among the leading small-cap indices —Russell 2000, S&P SmallCap 600, and CRSP Small Cap Index —the Russell 2000 stands out as particularly well positioned to capitalize on this environment.

Don’t Be Caught Unprepared for a Potential Market Correction

No one can deny that markets fluctuate routinely. Throughout my 36-year career, the markets have been good at times and poor-performing at times.

I have always taught the concept of proper asset allocation, buy-and-hold for long-term monies, and secure guaranteed income for a portion of your retirement income. Recently, we have been on a significant rise in equity markets.

High-net-worth individuals often seek strategies to transfer wealth efficiently while minimizing gift and estate taxes. Two powerful tools available to you are Grantor Retained Annuity Trusts (GRATs) and Grantor Retained Unitrusts (GRUTs). Both are irrevocable trusts designed to allow a grantor to retain an income stream for a set term while transferring future appreciation to beneficiaries at a reduced tax cost. While similar in concept, they differ in mechanics and ideal use cases.

Shortly after sitting back down at the resolute desk, President Donald Trump began a program of imposing tariffs to encourage negotiation and to correct trade imbalances. Some were small. Some were huge. Many were later reversed or challenged in court. Economics 101 suggests that tariffs are a tax and should produce both inflation and reduced consumer spending. This time has been different, and financial professionals need to wrestle with why.

In today’s competitive job market, hiring the best employees is only half the battle. Retaining them is just as crucial. The most valuable assets of your business are your top-performing employees and providing them with additional benefits can help secure their loyalty. One approach is to offer supplemental retirement savings plans, tailored to reward and retain key talent.

Artificial intelligence is no longer a side story or something “up and coming.” It is shaping market leadership, corporate strategy, and workflows within financial firms. That opens a real opportunity, but it also concentrates risk. The job for planners and portfolio managers is to harness the wave without letting a few names quietly drive all client outcomes.

Estate planning is essential for everyone, regardless of the size of the estate. Life insurance plays a crucial role in various aspects of estate planning, helping provide financial security to your loved ones. Here are 10 ways to use life insurance in estate planning for modest estates.