Blog

Read our latest thoughts on Estate Planning, Trust Services and Asset Management.

Dunham Deep Dive 12/12/2025

Real Rates Still Bite, China’s $1T Surplus Grows, and Governments Risk a Short-Term Debt Trap

Real rates are still too tight, China’s $1T surplus floods global markets, and governments face rising rollover risks as short-term debt piles up.

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Crypto 12/10/2025

Understanding Cryptocurrency Value: Why Bitcoin, Ethereum, and Solana Function as Financial Infrastructure - Not Just “Digital Coins”

Why Bitcoin, Ethereum, and Solana may function as digital financial infrastructure rather than simple ‘coins,’ and how their networks derive potent...

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Dunham Deep Dive 12/5/2025

AI’s Power Crunch, China’s Data Blackout, and Japan’s $135B Stimulus Gamble

AI is pushing electricity prices up, China is pulling housing data offline, and Japan’s stimulus raises market risks.

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Crypto 12/2/2025

Crypto Tax Loss Harvesting: How the Wash Sale Exception Can Reduce Capital Gains in 2025

Crypto tax loss harvesting remains a major 2025 opportunity as the wash sale rule doesn’t apply to digital assets. Here’s how advisors can use it.

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Dunham Deep Dive 11/28/2025

Real Retail Sales Stagnate, Turkey Supplies Tighten, and the Middle Class Gets Squeezed

Real retail sales are stagnating, turkey supplies are tightening, and the middle class is being squeezed—revealing deeper stresses in the U.S. econ...

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Retirement 11/25/2025

The Student Loan Trap That’s Stealing Retirement: Why Debt Is Following Americans Into Their Golden Years

Student loan debt is soaring among older Americans, with 60+ borrowers owing $147B. Learn why loans now follow people into retirement and how to ma...

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Dunham Deep Dive 11/21/2025

AI’s Depreciation Trap, Extreme Fear on Wall Street, and the Great Housing Cool-Down

AI’s depreciation trap, extreme market fear as liquidity shifts, and a broad U.S. housing slowdown as prices and affordability fall.

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Trust 11/18/2025

How First and Third-Party Special Needs Trusts Protect Benefits and Families

Discover how first- and third-party special needs trusts safeguard government benefits while improving quality of life. Learn the key differences, ...

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Macro 11/14/2025

The Treasury’s Liquidity Flood, CEO Euphoria, and a $142 Trillion Inflation Surge

The Treasury’s cash pile near $950 billion is about to gush back into markets, flooding the system with liquidity. As CEOs sound their most optimis...

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Financial Advisor 11/11/2025

Succession Planning: Passing Your Advisory Practice to the Next Generation

Succession planning isn’t just about retirement — it’s about legacy. With trillions in assets set to change hands, advisors must plan early, choose...

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Macro 11/7/2025

Bank Stress Builds, Housing Locks Out a Generation, and Jobs Freeze Up

The Fed quietly injected $125B into banks as liquidity strains deepen, housing locks out a generation of buyers, and layoffs surge to 20-year highs...

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