Justin Giles

Justin Giles

Men Vs. Women: Who Saves More — And Why It Matters
Men Vs. Women: Who Saves More — And Why It Matters
Inflation data shows stubborn inflation, affecting savings and retirement readiness. Men have higher savings but women face structural realities.
The $461B Boom That Advisors Can't Ignore
The $461B Boom That Advisors Can't Ignore
Stock market up, tech and AI lead. Annuities shatter records for 4th year, driven by demand for guarantees in volatile market. Boomers and Gen X interested.
The Down Payment Problem Advisors Can't Ignore
The Down Payment Problem Advisors Can't Ignore
American Dream of homeownership is slipping away for younger generations. They are borrowing from family, tapping into 401(k), but experts warn against it.
The $1 Trillion Advisors Keep Overlooking
The $1 Trillion Advisors Keep Overlooking
Rollovers in retirement accounts are at record levels, but most are happening without professional guidance. Clients are seeking simplicity and coordination, creating opportunities for advisors.
Half Of Americans Now Have Car Payments Exceeding 72 Months
Half Of Americans Now Have Car Payments Exceeding 72 Months
Auto loan rejections decreased from 42% to 15% last summer, but longer terms and high prices are causing financial strain for many Americans.
The AI Tasks Advisors Trust — And The Ones They Don't
The AI Tasks Advisors Trust — And The Ones They Don't
AI's rise continues with demand deepening memory chip shortage and Fed tracking its GDP contribution. Advisors embrace benefits but insist on control and boundaries.
New Poll Reveals Major Social Security Gap Advisors Can't Ignore
New Poll Reveals Major Social Security Gap Advisors Can't Ignore
Survey: Nearly Half of Americans Are Starting 2026 More Stressed
Survey: Nearly Half of Americans Are Starting 2026 More Stressed
Americans are stressed about finances and hesitant about retirement due to rising costs, low income, and job insecurity. Advisors can help by reframing progress and encouraging small, steady actions.
Joy To The Portfolio: Record Retirement Accounts Have Come
Joy To The Portfolio: Record Retirement Accounts Have Come
Car Payments Hit Records — A Growing Pressure Point In Client Budgets
Car Payments Hit Records — A Growing Pressure Point In Client Budgets
Gen Z Is Brilliant Online — So Why Are They Struggling With Basic Money Math?
Gen Z Is Brilliant Online — So Why Are They Struggling With Basic Money Math?
Gen Z is smart, resourceful, and tech-savvy, but struggles with financial literacy. Companies are stepping in to close the gap.
The 9% Debt Spike Advisors Can't Afford To Miss
The 9% Debt Spike Advisors Can't Afford To Miss
US household debt remains stable but the reasons behind it vary. HELOC balances have increased, while debt patterns differ by credit score and generation.
Millions Of Americans Carry More Credit Card Debt Than Emergency Savings
Millions Of Americans Carry More Credit Card Debt Than Emergency Savings
Federal Reserve officials divided on interest rate cuts, adding uncertainty for a December cut. Americans lack emergency savings as holiday spending and financial stress peak.
Clients Trust AI With Pocket Change — Not Their Retirement Savings
Clients Trust AI With Pocket Change — Not Their Retirement Savings
AI partnerships are dominating news, but trust is still key. People trust AI with small investments but want humans for retirement. Future is AI-advisor hybrid.
Executives Are Going All In On AI
Executives Are Going All In On AI
The Advisor's New Role: 'Chief Risk Officer'
The Advisor's New Role: 'Chief Risk Officer'
Markets entered bear territory in April, then hit record highs. Investors are anxious due to uncertainty and seek advisors as chief risk officers.
Warning Sign? More Americans Are Falling Behind on Car Payments
Warning Sign? More Americans Are Falling Behind on Car Payments
Stagnant wages, inflation, and rising auto loan delinquencies are increasing credit stress for households, creating an opportunity for advisors.
New Survey Reveals Financial Advisors Are Surprisingly Optimistic
New Survey Reveals Financial Advisors Are Surprisingly Optimistic
Despite market turbulence, financial advisors remain optimistic for their clients' financial well-being. Retirement readiness & tax burdens expected to improve, AI adoption increases, and AUM growth projected for many advisors.
Shutdown Impact: Americans Are Delaying Big Purchases, But Not As Many As You Think
Shutdown Impact: Americans Are Delaying Big Purchases, But Not As Many As You Think
Government shutdowns have increased since 1976, but markets remain stable. However, 17% of Americans delay major purchases during shutdowns.
1 In 5 Americans Lost Money To AI — Here's Where Advisors Still Win
1 In 5 Americans Lost Money To AI — Here's Where Advisors Still Win
OpenAI surpasses SpaceX with $500B valuation, while tech firms accumulate debt to keep up in AI race. But AI chatbot advice can be costly.
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