Topic
Financial advisors
Articles in Founders & Professional Services written specifically for financial advisors.
RIA vs. Broker-Dealer: The Fiduciary Standard Difference That Shapes Every Recommendation You Receive
Two financial professionals with similar titles and similar client-facing roles can be operating under meaningfully different legal obligations regarding whose interest their recommendations are actually required to serve.
Sequence-of-Returns Risk: The Retirement Math Most Advisors Explain Badly
Average annual return is the number most retirement conversations focus on. For someone drawing down a portfolio, the order those returns occur in can matter more than the average itself.
The 4% Rule Was Calibrated to One Historical Period — Why It's Riskier Than It Sounds for a Retiree Today
The 4% rule is often presented as an empirically settled, safe withdrawal rate. It was actually derived from one specific historical dataset, and its safety margin is more conditional than the popular version of the rule usually communicates.