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Cryptocurrencies: Bitcoin Hits 3-Month Low

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Bitcoin's closing price fell to its lowest level in over three months this week. BTC is now up ~15% year-to-date and sits ~13% below its record close from earlier this month.

When Teams Stall, Growth Stalls: The Cost of Advisory Staff Underperformance

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Advisory firms are people-driven businesses. Unlike asset managers or product manufacturers, their value is derived from human capital — specifically, the ability of teams to serve clients effectively, deepen relationships, and manage workflows.

Speculative Bull Runs and the Value of a Bearish Tilt

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The recent market crack certainly woke up the more complacent bullish investors.

Is the Small-Cap Slumber Over?

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Investors can be forgiven their skepticism towards small caps, despite the current rally. After all, small caps have underperformed the top-heavy, large-cap S&P 500 over the last decade.

It's Not Too Late

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Every week, this platform is used to highlight current ideas, fixed-income concepts, economic occurrences, and/or clarify a strategic fixed-income feature. The cohesive topic threads are fixed-income issues relevant to current market conditions.

Gas Prices Fall to Lowest Level of 2025

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Gas prices fell further this week, hitting their lowest point of 2025. As of October 20th, the price of regular and premium gas were each down 4 cents from the previous week.

Why Being Better Is Being Different

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The financial advisory landscape has fundamentally shifted. What once differentiated firms and advisors has become commoditized, reduced to mere table stakes. Today's marketplace demands a new understanding of what it means to stand out — not through revolutionary uniqueness, but through extraordinary execution of fundamental principles that most advisors neglect or execute poorly.

Business Process Management: Why Wealth Management Firms Must Embrace It Now

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Wealth management firms today face an unprecedented convergence of challenges. Client expectations have evolved beyond traditional relationship management to demand digital-first experiences. Legacy infrastructure creaks under the weight of manual processes that were adequate decades ago but are now operational liabilities.

What Being a Financial Advisor Taught Me About M&A

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If you’re preparing to sell your business, the M&A process might seem daunting and mysterious. As a financial advisor, you’re an expert at connecting with clients and providing sound financial guidance.

What to Do When Markets Highs Make Your Nerves Wobble

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At times like this, our Internal Financial System™ comes alive. Inside us, different parts react to the same market in opposite ways. A risk-taking part may feel emboldened by the gains and want to buy more.

GMO 7-Year Asset Class Forecast: 3Q 2025

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GMO has posted a new 7-Year asset class forecast as of September 30, 2025.

America's Driving Habits: August 2025

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Travel on all roads and streets increased in August. The 12-month moving average was up 0.08% month-over-month and was up 0.98% year-over-year. However, if we factor in population growth, the 12-month MA of the civilian population-adjusted data (age 16-and-over) was unchanged month-over-month and down -0.91% year-over-year.

BlackRock Is Pulling Bitcoin Whales Into Wall Street’s Orbit

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A new generation of ETFs is giving the crypto rich a novel way to fold their digital fortunes into the regulated financial system — without selling, and through funds run by big asset managers like BlackRock Inc.

Vanguard Adds $1.4 Trillion S&P Funds to Investor Proxy Program

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Vanguard Group is expanding its proxy voting program — designed to give shareholders a greater say on corporate resolutions at portfolio companies — to add the investment giant’s oldest index fund.

AI Boom Transforms Utilities From Haven to Soaring Growth Stocks

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The artificial intelligence trade that has driven the S&P 500 Index to one record after another over the past few years is transforming traditionally sleepy utilities stocks into booming growth plays. Since the end of 2023, the utilities sector is up 44%, making it the third best-performing group in the S&P 500.

Real-Time Indicators Support a Rate Cut in October

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Last week’s scheduled release of the Consumer Price Index (CPI) for September was postponed due to the ongoing federal government shutdown, which has disrupted the operations of key agencies like the Bureau of Labor Statistics (BLS).

Investing Beyond the AI Bubble

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As the market concerns itself with a potential artificial intelligence (AI) bubble, there is a clearer and more practical approach that can be taken by investing in companies that could potentially benefit as AI technology progresses.

Grounded Government, Sky-High Profits: Airline Stocks Defy Shutdown Turmoil

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Since the shutdown began, air traffic controllers and TSA agents have been working without pay. Many are calling in sick, leading to longer lines and more flight disruptions.

Morgan Stanley Says Sell Dollars in ‘Goldilocks’ Scenarios

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Investors looking to profit from a “Goldilocks” environment where US stocks rally but Treasury market losses are contained should short the dollar, according to a new study published by Morgan Stanley.

A Balanced Approach for More Cautious Investors

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Head of U.S. Fixed Income Greg Wilensky and Portfolio Manager Jeremiah Buckley discuss how balanced strategies can help investors stay true to their long-term objectives by providing a less volatile option to an all-equity portfolio.

Tough Pill To Swallow

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So while there is a lot of focus on drug prices, measures taken to date are unlikely to make a meaningful impact on costs paid by the U.S. and its citizens. More fundamental reform would likely take an act of Congress, which would be hotly contested by lobbyists. There is no end in sight for debate on this front.

Credit Jitters Seem Overblown, But Fed Cut Nears

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The 10-year Treasury briefly tested 4% and slipped just below, exactly what you’d expect when credit jitters boost demand for safe collateral. Real yields eased as well, consistent with a modest risk-off bid. Treasuries remain the cleanest hedge when credit fears pop, and that relationship asserted itself again last week.

Data Center Energy Demand Drives New Midstream Deals

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While many investors entered 2025 heavily exposed to tech already, that hasn’t stopped markets from identifying other opportunities created by the need for AI computing power, like data centers.

Gold’s Historic Rise Comes With a Bonus for Emerging Markets

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A relentless surge in the price of gold is delivering windfalls across emerging markets, boosting investor confidence in countries that mine and buy the metal.

Q3 2025: The Stock Market Is the Economy

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Stock markets are at all-time highs, public companies are shutting down their operations to buy bitcoin, consumers can bet in real time on almost anything they can imagine, “meme stocks” are back in full force, even the US government is buying stocks.

A Disconnect Between Prices & Fundamentals

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Despite short-term bearish sentiment, the case for Bitcoin remains underpinned by persistent macro weakness, potential Fed easing, and renewed distrust in traditional financial systems.

Flying Blind

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As we recently argued, investors don’t need to worry about the federal government shutdown showdown causing a recession. Before the current shutdown, the federal government had been shut for eighty days in the prior thirty years, with none of those days during a recession.

World Markets Watchlist: October 20, 2025

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All nine indexes on our world markets watch list have posted gains through October 20, 2025.

Why Energy Security Still Matters Today

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For most investors, energy security probably tends to be an afterthought until an event drives a jump in prices at the pump, as seen with Russia’s invasion of Ukraine. However, energy security is about much more than geopolitics, especially as demand for electricity is poised for growth.

The Impact of U.S. Stock Buybacks: Theory vs Practice

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Buybacks are not a neutral corporate finance choice but a force shaping market dynamics, investor welfare, and fiscal policy. Their rise since the 1990s may be one of the most under-appreciated drivers of U.S. equity market performance and warrants greater attention from academics, investors, and policymakers.

3 Reasons Now’s the Time for Active Fixed Income ETFs

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Active fixed income ETFs can provide the refresh many investors want as the year draws to an end in an uncertain rate market.

Glass Half-Full Economy Has Rarely Looked So Good

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Seldom has the middling been the cause of so much relief. Six months after the White House unveiled steep tariffs, the global economy has held up well — mainly by outperforming some doleful projections. There's been no recession. Forecasts have even been revised up a touch.

Apple Hits First Record of 2025 as iPhone Optimism Fuels Rebound

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Apple Inc. shares hit their first record of 2025 on Monday after Loop Capital upgraded the stock to buy from hold, becoming the latest firm to cite positive iPhone demand trends.

Treasuries Rally Drives Home Haven Role as Credit Worries Swirl

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All it took was a classic bout of haven buying to wake up a slumbering Treasuries market and drive benchmark yields to the lowest in months.

Emerging Assets Edge Higher on Signs of Easing US-China Tensions

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Emerging markets rose, with the stock benchmark advancing to the highest level in more than four years, as signals of easing US-China trade tensions supported appetite for riskier assets.

Top Goldman Banker Marsh, 49, to Leave After Nearly 20 Years

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Prior to his most recent role, Marsh held several leadership positions including as head of the EMEA financing group, global co-head of credit finance and global co-head of the alternative capital solutions unit. He became a partner at Goldman in 2014 after joining the bank in 2006.

Pictet Enters U.S. Market with Actively Managed ETF Trio

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Pictet Asset Management just added three funds to a 2025 that’s seen a record number of actively managed ETF launches: the Pictet AI Enhanced International Equity ETF (PQNT), Pictet Cleaner Planet ETF (PCLN), and Pictet AI & Automation ETF (PBOT).

The Complexities of Moving Toward Simplicity

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I’m a big believer in simplicity for most things, and that includes investing. When constructing a portfolio, simplicity is what I aim for. In this piece, I offer a brief summary of how I analyze the holdings and make recommendations on what to keep and what to get out of when a client asks me to review and improve their investments.

Capitalism: The Road to Wealth & Happiness

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Therefore, while we have ideas about where countries might fall on the economic and political spectrums, this data helps us better quantify the accuracy of said ideas. From an investing perspective, the trends in a nation’s index help us appreciate its future growth potential.

Margin Debt Jumps 6.3% to New Record High in September

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Margin debt reached a new all-time high of $1.13 trillion in September, according to the latest data from FINRA. This represents a 6.3% rise from August and marks the fifth straight monthly increase.

The Psychology Of Investing In A Zero-Risk Illusion

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Every market cycle eventually changes investor psychology to believe risk has been conquered.

The Final Crisis: This is Our Future

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Debt-driven growth definitely feels good. We all enjoy it immensely as long as it lasts. Then the lights go out and the party’s over. Yes, it starts again, but not until we all stumble around in the dark for a while.

Weekly Economic Snapshot: Navigating the Data Void with Secondary Reports

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In a week marked by renewed S&P 500 volatility stemming from reignited tariff talks and the ongoing challenge of a government shutdown that continues to delay crucial government reports, investors and analysts have increasingly turned to secondary economic indicators for a timely view of the U.S. economy.

Balance Sheet Reduction May End Soon

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In another sign that we are entering an era of even looser monetary policy, Federal Reserve Chairman Jerome Powell hinted that balance sheet reduction is about to come to an end.

Bitcoin, Gold and the Hard-Money Renaissance: A Practical Playbook for Allocators

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The most useful conversations about crypto don't start with block times or cryptography; they start with the monetary system. When money supply compounds and confidence in policy waxes and wanes, investors may reach for hard assets—tangible, scarce resources with intrinsic use value whose supply is difficult or costly to expand.

The Macro Backdrop

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There is little question that the key economic storyline of Q3 was the fact that new job creation was not anywhere near as solid as the markets and, perhaps more importantly, the Fed believed.

The Government Presses the Gas With Fiscal & Monetary Stimulus

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Monetary and fiscal policy are now decisively stimulative to the economy thanks to interest rate cuts and the passage of the One Big Beautiful Bill Act. This should provide a tailwind to investments.

Q3 2025: Signal Through the Static

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The third quarter demonstrated the market’s ability to focus on powerful, long-term themes like technological productivity and monetary policy, even amidst significant short-term political noise. While large technology companies were once again a driver of headline returns, the positive performance across nearly all global asset classes rewarded a diversified approach.

Schwab’s Market Perspective: Dancing In the Dark

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The stock and bond markets are taking the government shutdown—and lack of data releases—in stride, but how long the calm might last is an open question.

Gold’s ‘Semi-Rational’ Run Gives Wall Street Vertigo

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Wall Street has finally capitulated to gold’s record-breaking run.