“How much can I spend in retirement?” is perhaps the most fundamental question a client brings to their advisor. Answering it well requires a range of assumptions – from estimating average investment returns to understanding correlations across asset classes. These assumptions are rooted in Capital Market Assumptions (CMAs), which project how different assets might perform … Read more
There’s a lot of enthusiasm for Roth IRA conversions and Mega Backdoor Roth IRAs—and for good reason. Paying taxes upfront on your retirement accounts can be a savvy move, especially if you’re in a mid-to-lower federal income tax bracket, as it allows for tax-free withdrawals in the future. That said, thanks to the latest standard … Read more
Raising capital is a pivotal challenge for startup companies seeking to transform innovative ideas into viable businesses. Whether you’re launching a tech startup, a retail venture, or a service-based company, securing the necessary funds is essential for growth, development, and long-term success. This process, often referred to as “raising money for a startup,” involves navigating … Read more
Given the amount of capital in the global reinsurance system, analysts at Morgan Stanley are asking how much lower pricing could decline in the property catastrophe line of business?The equity analyst team that focuses on insurance and reinsurance at the multinational investment bank and financial services company say that after the recent earnings season investors … Read more
The threat of rail strikes in France looms over the end of the year, with the first strike scheduled for November 21. They are fueled by worries about jobs and working conditions in the face of national rail company SNCF dismantling its freight business, a further indication of the progressive privatization of the rail industry. … Read more