Blog

Read our latest thoughts on Estate Planning, Trust Services and Mutual Funds.

Financial Advisor 9/9/2025

Everyone Should Have The Opportunity To Say No

Many advisors hesitate to ask friends for business, fearing rejection or awkwardness. But avoiding the conversation means making the decision for t... READ MORE

Dunham Deep Dive 9/5/2025

Car Debt Illusion, U.K. Bond Rout, & China’s Banking Squeeze

Seven-year auto loans hit a record 21.6% of U.S. financing, the U.K. faces a gilt yield surge not seen since 1998, and Chinese banks are bleeding m... READ MORE

Financial Planning 9/2/2025

Childfree Financial Planning: Strategies for Couples and Individuals Without Kids

Childfree individuals and couples face unique financial challenges and opportunities. From estate planning and savings strategies to charitable giv... READ MORE

Macro 8/29/2025

Debt Cycles 102: How Debt Fueled History’s Greatest Bubbles and Market Crashes

Debt Cycles 102 explores how debt fueled some of history’s biggest bubbles — from tulips to railroads. Different assets, same story: easy credit, s... READ MORE

Financial Advisor 8/26/2025

Financial Advisor Marketing Strategies 2025: What Works Now (and What Doesn’t)

Financial advisor marketing has changed: clients want education, not sales pitches. Learn why content, SEO, and authentic social presence are now t... READ MORE

Dunham Deep Dive 8/22/2025

Liquidity Is Evaporating, AI’s Building Boom, & China’s Job Market Crumbles

Liquidity buffers are vanishing as the Fed’s reverse repo facility drains, AI data centers surge past offices in construction, and China’s job mark... READ MORE

Donor-Advised Fund 8/19/2025

Smarter Giving Starts Here: How Advisors Use Donor Advised Funds to Build Loyalty & Legacy

Discover how donor advised funds (DAFs) help financial advisors deepen client loyalty, maximize tax efficiency, and build multigenerational legacie... READ MORE

8/15/2025

Debt Cycles 101: Why Credit Is the Beating Heart of Economic Growth

Debt isn’t just a financial tool — it’s the heartbeat of the economy. Learn how credit expansion drives growth, why excessive debt triggers slowdow... READ MORE

Retirement 8/12/2025

Applying the Retirement Real Return Rule to Real-World Planning

Inflation and withdrawal rates can quietly drain retirement portfolios. See how the Retirement Real Return Rule applies in real-world scenarios—and... READ MORE

Dunham Deep Dive 8/8/2025

Job Market Illusions, Hong Kong’s Dollar Issue, & the Stagflation Threat Ahead

Unemployment looks low—but hidden numbers tell another story. Hong Kong’s dollar peg is tested amid liquidity injections, raising asset risks. Mean... READ MORE

Retirement 8/5/2025

The Retirement Real Return Rule: Why “Conservative” Planning May Be Failing Retirees

Discover the Retirement Real Return Rule™ — a new benchmark for long-term portfolio sustainability. Learn how maintaining a 4–5% return above infla... READ MORE

Dunham Deep Dive 8/1/2025

The Frankenstein GDP Report, Approaching Volatility Season, and a Frozen Housing Market

Q2 GDP rose 3%—but the math hides a softer economy, with falling imports masking weak consumer and business activity. Markets remain oddly calm ahe... READ MORE

7/29/2025

Understanding Phaseouts for the One Big Beautiful Bill Act: Plus Phaseouts for Regular and Roth IRAs

Want help mastering the latest tax phaseouts? From Roth IRA income limits to new deductions under the One Big Beautiful Bill Act, this guide gives ... READ MORE

Dunham Deep Dive 7/25/2025

A Forgotten Indicator Roars Back, Meme-Fueled Mania Surges, and Europe’s Trade Squeeze Deepens

A forgotten indicator flashes its strongest signal since 1997, meme stocks return with retail euphoria, and Europe’s trade rift with China deepens. READ MORE

Estate Taxes 7/22/2025

The OBBBA Guide Part II: Estates and Businesses

Explore the key estate and business tax updates in Part II of our OBBBA Guide. Learn how QSBS rules, bonus depreciation, and estate exemptions are ... READ MORE

Dunham Deep Dive 7/18/2025

Inflation Eases (for Now), Ethereum's Momentum Game, and Health Care’s Job Takeover

Despite tariff fears, U.S. inflation data came in softer than expected, with businesses absorbing costs to protect margins. Meanwhile, small-cap fi... READ MORE

Tax Code 7/15/2025

The One Big Beautiful Bill Act: A Complete Guide to What Changed and What It Means for Your Clients

The One Big Beautiful Bill Act overhauls U.S. tax law with sweeping changes for individuals — from tax-free tips and Baby Savings Accounts to perma... READ MORE

Macro 7/11/2025

Deficits 101: What They Are, Why They Matter, and How They Impact an Economy

With record deficits dominating headlines, understanding the difference between fiscal and trade deficits is essential. This piece unpacks how each... READ MORE

Quarterly Pulse 7/10/2025

Q2 2025 Dunham Quarterly Pulse: Economic Trends, Market Insights & Strategic Shifts

The Q2 2025 Dunham Quarterly Pulse breaks down weakening global growth, persistent inflation, and shifting rate expectations. Explore key insights,... READ MORE

Crypto 7/8/2025

Crypto for Financial Advisors: A Jargon-Free Cheat Sheet for Client Questions

Clients are driving more crypto conversations than advisors, but many advisors still feel underprepared. This guide offers a plain-English crypto c... READ MORE