It’s the busiest—and most exciting—time of the year.
Kids are back in school, routines are settling in, and people are finally ready to make changes they’ve been putting off all summer.
For advisors, this is the moment.
Engagement is high, decisions are being made, and the time to lean in is right now.
Here are your Quick Hits:
Small-Caps Are Back in Play
Axios: Why Investors Are Re-Thinking the 60/40 Portfolio
- Small-cap stocks are now trading at a 40% discount compared to large-caps—the widest gap since the dot-com era.
- With rates trending down, bonds may regain their place in balanced portfolios.
- Advisors should be ready to explain why diversification beyond the S&P 500 could matter again.
The Rising Power of High-Net-Worth Clients
Cerulli: High-Net-Worth Client Market to Grow to $30T by 2028
- Households with $5M+ in assets are projected to reach $30 trillion by 2028.
- These clients increasingly expect advanced planning services (charitable, trust, tax integration).
- Great reminder: if you’re offering more, make sure your fee structure supports the added complexity.
Mortgage Rates Hit a 10-Month Low
Moneywise: 30-Year Mortgage Now at 6.56%
- Purchase demand is ticking back up as rates fall, even while affordability stays a challenge.
- Timely opening line: “If rates are falling but affordability is still tight, what’s the right strategy?”
- A powerful tie-in for client conversations around refinancing, housing downsizing, or relocation in retirement.
“Happy Retirement in 10 Easy Steps”
Sun Life “10 Tips for a Happy Retirement” infographic
