by Joe Lind | Oct 31, 2025 | Financial Preparedness, Nearing Retirement
Every December, without fail, I get the same call: “Joe, can I still make that gift to the kids before year-end?” And my answer is usually something like, “Yes, but let’s make sure you’re not wrapping your checkbook in a bow five minutes before midnight on December...
by Joe Lind | Oct 24, 2025 | Financial Preparedness
I know what you’re thinking. “Tax planning? Joe, it’s not even Thanksgiving yet. It isn’t even November yet!!” But here’s the deal: by the time you’re carving the turkey and trying to remember which grandkid hates mashed potatoes, it’s too late to make the...
by Joe Lind | Oct 17, 2025 | Client Service
This topic is REALLY bothering us! We couldn’t help but shake our heads reading that Merrill Lynch is doubling its “small household” threshold to $500K. Overnight, what used to count as a valued client is now a “reduced compensation” account. That’s like showing up to...
by Joe Lind | Oct 11, 2025 | Client Service
From what I read, Merrill will pay advisors a reduced grid rate (20%) for households between $250K and $500K. Below $250K? In many cases, no compensation for that advisor. In other words, they’re shifting attention away from smaller accounts and rewarding only...
by Joe Lind | Oct 6, 2025 | Nearing Retirement
October isn’t just about pumpkins, football, and figuring out how much Halloween candy is “too much” (answer: there is no limit). It’s also harvest season — the time when farmers gather the crops they planted and nurtured all year. Funny thing is, investing and...
