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Financial Planning

@finplan

News, analysis, insights and data for financial advisors

financial-planning.com
Joined February 2009
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Career changers made up 27.8% of survey respondents in the Externship’s record 2026 class. They bring client-ready skills, but most hiring pipelines are built for college grads. Hannah Moore’s advice for firms starts with the job posting. #ProfessionalDevelopment #ContinuingEducation #RIAs financial-planning.com/news/…
Career-changers want in. Firms don't know where to find them

Career-changers want in. Firms don't know where to find them

Career-changers made up nearly 28% of survey respondents in the Externship's record 2026 class. But firms' hiring is still built for college grads.

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Wealth managers are spending plenty on marketing these days. But are they doing anything to track the results? #financialplanning #wealthmanagement #financialadvisors financial-planning.com/news/…
Survey: Firms commit to marketing but aren't tracking the results

Survey: Firms commit to marketing but aren't tracking the results

In two reports, the PR firm Gregory finds prominent wealth managers sometimes never show up in AI search results and that few firms are doing enough to track whether all the money they spend on...

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With mortgage rates topping 7%, should clients pay cash for a home or preserve their investments and take on debt? Advisors break down how to weigh interest arbitrage and tax consequences. #wealthmanagement #financialadvisors #financialplanning financial-planning.com/news/…
High mortgage rates complicate the case for paying cash for a home

High mortgage rates complicate the case for paying cash for a home

With mortgage rates elevated, the homebuying math has changed for some clients. Advisors weigh the costs of borrowing against other factors such as tax consequences and liquidity needs.

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Colorado voters are considering a proposal to charge higher tax rates to households making more than $500,000. #wealthmanagement #financialadvisors #financialplanning financial-planning.com/artic…
Tax-the-rich movement arrives for $500,000 earners in Colorado

Tax-the-rich movement arrives for $500,000 earners in Colorado

In Colorado, where Aspen is a playground for the rich, voters are considering a measure that would raise income taxes on the highest earners.

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Brushing off perceived threats from AI, LPL Financial is weighing reducing its reliance on income made from clients' uninvested cash as it moves ahead with a full-scale review of its pricing options. #AI #LPL #brokerages financial-planning.com/news/…
Amid AI threat, LPL reviews reliance on 'cash sweeps'

Amid AI threat, LPL reviews reliance on 'cash sweeps'

Brokerages are too dependent on the billions they make every year from clients' uninvested cash, industry analysts say. LPL is responding with a long-term review of its pricing.

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Calling all under-40 brokers! Are you a top producer for your firm? If so, put in a nomination now: #40under40 #brokers #top40brokers financial-planning.com/news/…
Top 40 Brokers Under 40: Call for 2027 nominations

Top 40 Brokers Under 40: Call for 2027 nominations

Financial Planning is seeking candidates under the age of 40 for its annual awards recognizing advisor employees at both wirehouse and regional firms for industry-leading production.

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AUM tells you one aspect of how big a firm is, not how healthy it is. In our latest Ask an Advisor, planners share the metrics they track instead. #AskAnAdvisor #RIAs #AUM financial-planning.com/list/…
Ask an Advisor: What non-AUM metrics do you use to measure your firm's success?

Ask an Advisor: What non-AUM metrics do you use to measure your firm's success?

From profit per client to referral rates and client satisfaction, advisors share the numbers that reveal their firm's health better than client asset totals.

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Financial advisors, are you looking to notch another general-knowledge CE credit toward industry certification? Take FP’s monthly continuing education quiz now! #quiz #financialadvisors #professionaldevelopment financial-planning.com/news/…
Advisors can earn CE credit now with FP's October quiz

Advisors can earn CE credit now with FP's October quiz

Answer enough questions correctly on FP's monthly quiz and subscribers can qualify for an hour of CE credit toward maintaining certifications with the CFP Board and the Investments & Wealth Institute.

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The "Starting an RIA" ebook includes 30 chapters examining the choices advisors must make when exploring independence — from timing the move to attracting clients, growing the business and eventually exiting. An abridged version is available to those registered on the Financial Planning site. Download 3 free chapters here: financial-planning.com/ria-a… #FinancialAdvisors #RIAs #Independence
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.@WellsFargo raises the bar for advisors to qualify for top take-home pay. #financialplanning #wealthmanagement #financialadvisors financial-planning.com/news/…
Wells Fargo raises hurdle for higher advisor payouts for first time in 5 years

Wells Fargo raises hurdle for higher advisor payouts for first time in 5 years

Wells Fargo Advisors Head Sol Gindi says advisors on average will have to increase their revenue generation by about 2% annually to make up for the change.

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When is a junior advisor ready for their own clients? Not when a client calls them to move money. “If they’re contacting you because they have an issue … and they’re bypassing me to go to that advisor, they’re ready.” #WealthManagement #GrowthStrategies #RIAs financial-planning.com/news/…
When should RIAs hand clients to next-generation advisors?

When should RIAs hand clients to next-generation advisors?

With more than 72% of rookie advisors leaving the profession, firms need to train junior advisors well. Here's how they do it.

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The way advisors frame the decision of when to start claiming Social Security benefits can make a difference, according to researchers at @TheAmerCol. #socialsecurity #financialadvisors #retirementplanning financial-planning.com/news/…
Why the way advisors talk about Social Security changes claiming plans

Why the way advisors talk about Social Security changes claiming plans

Focusing on minimum or maximum ages to claim Social Security benefits has an effect on retirement planning, new research shows.

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Most firms have a handful of AI power users. Getting the whole firm on board is harder. At ADVISE AI, @PAXFG’s Janise Brooks and Highvault’s David Quisenberry shared how they did it: “You need more than champions.” #AdviseAI #PracticeAndClientManagement #RIAs financial-planning.com/news/…
A guide to getting AI buy-in as RIAs look to scale

A guide to getting AI buy-in as RIAs look to scale

Two experts discussed how they've gotten AI use at their firms to go from a few power users to part of the culture — and what they've gained because of it.

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People who have long given up considering themselves young may want to consider pursuing a career in which 40- or 50-somethings are a relative fountain of youth. #mergersandacquisitions #privateequity #RIAs financial-planning.com/news/…
Why RIA buyers are seeking relatively young leadership — and vice versa

Why RIA buyers are seeking relatively young leadership — and vice versa

As RIA buyers become pickier, the age of a firm's leaders can be a big draw still.

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.@LPL misses its goal for retaining Commonwealth Financial Network assets but still sees plenty to celebrate. #financialplanning #wealthmanagement #earnings financial-planning.com/news/…
Despite missing asset goal, LPL points to silver linings in Commonwealth deal

Despite missing asset goal, LPL points to silver linings in Commonwealth deal

Although acknowledging that they won't hit their goal of retaining 90% of the assets Commonwealth Financial Network had at the time of its acquisition, LPL executives say the deal is living up to its...

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No AI research tool should include unsourced numbers in a client report, says Sedat Anak, founder of Stock Expert AI. For financial advisors who use these tools, the standard should be: no source, no date, no number. #AI #data #financialplanning financial-planning.com/opini…
4 ways to tell if your AI research tool is fudging the numbers

4 ways to tell if your AI research tool is fudging the numbers

Financial advisors who use AI tools to analyze numbers without citing their sources on the page risk regulatory scrutiny.

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On the surface, lots of firms have spotty enough records to merit investigation for @FINRA’s restricted list. So why do so few firms get it? #financialplanning #wealthmanagement #brokers financial-planning.com/news/…
Plenty of red flags, few restrictions: Is FINRA's Rule 4111 working?

Plenty of red flags, few restrictions: Is FINRA's Rule 4111 working?

Roughly a dozen brokerages have enough customer complaints and other disclosures to merit preliminary scrutiny for a public "scarlet letter" alerting investors of heightened risks. But only two firms...

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A new study by @iw_inst and Absolute Engagement suggests that, in fact, most clients do know that their financial advisors have a certification. But some still simply don't know. #RIAs #financialadvisors #wealthmanagement financial-planning.com/news/…
Clients may value certifications more than they understand them

Clients may value certifications more than they understand them

A new study by the Investments & Wealth Institute and Absolute Engagement shows many clients don't grasp what their financial advisors' certifications signify. That doesn't mean those marks are...

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The IRS is finalizing new IRA rollover guidelines, but financial advisors and custodians say the proposed rules don't go far enough to eliminate paper checks and manual delays. #retirementplanning #financialadvisors #financialplanning financial-planning.com/news/…
Why upcoming IRS rollover guidance is likely to disappoint advisors

Why upcoming IRS rollover guidance is likely to disappoint advisors

The IRS changes will help with some advisor pain points, but several processes seen as antiquated may remain.

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Death may be the best estate planning tax hack, since heirs get a step-up in basis, but for HNW clients who enjoy life Section 351 transactions may run a close second. #tax #financialplanning financial-planning.com/opini…
4 ways Section 351 ETF conversions keep client taxes at bay

4 ways Section 351 ETF conversions keep client taxes at bay

The "in-kind" method allows investors to diversify highly appreciated stock without handing over a chunk of the profit to the IRS.

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