Blog

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

ThinkAdvisor Luminaries 10/7/2025

Dunham Earns Double Recognition in the ThinkAdvisor 2025 Luminaries Awards

Dunham has been named a finalist in two categories at the ThinkAdvisor 2025 Luminaries Awards, honoring firms driving innovation and lasting impact... READ MORE

Macro 10/3/2025

Bank Reserves Are Shrinking — Is a Liquidity Crunch Next?

U.S. bank reserves are shrinking at their fastest pace in years — slipping below $3 trillion and draining liquidity from the system. History shows ... READ MORE

Charitable Giving 9/30/2025

High Earners Beware: The OBBBA Haircut and Shave Could Slash Your Charitable Deductions

High earners face new limits on charitable deductions under OBBBA starting in 2026, with both a “haircut” and a “shave” on tax benefits. Donor-advi... READ MORE

Dunham Deep Dive 9/26/2025

AI’s Risky Loop, Student Debt Crunch, & America’s Unbalanced Consumer

The AI boom’s financing loops echo the dot-com bubble, with suppliers bankrolling buyers to fuel demand. At the same time, one-third of student bor... READ MORE

Financial Advisor 9/23/2025

6 Prospecting Hacks Every Advisor Needs to Attract More Clients

Many advisors ask us: “How can I market better?” The answer isn’t more hustle — it’s smarter systems. Discover 6 prospecting hacks to multiply your... READ MORE

Dunham Deep Dive 9/19/2025

Treasury’s Cash Drain, France’s Debt Spiral, & China’s Price Wars

The Treasury’s cash rebuild could drain liquidity, France’s debt spiral is flashing eurozone warning signs, and China’s price wars risk fueling a d... READ MORE

Taxes 9/16/2025

The Phaseologist: Vanishing Deductions and Hidden Tax Brackets

Hidden tax phaseouts can quietly erase deductions as income rises — creating “invisible” tax brackets. Learn where SALT, senior, and other benefits... READ MORE

9/12/2025

The U.S. Labor Market Is Slowing — and Massive Job Revisions Reveal It’s Been Happening for Years

The U.S. labor market slowdown isn’t new. Revisions show nearly a million jobs overstated, with ADP and BLS data diverging and government hiring ma... READ MORE

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

America’s Auto Debt Trap, Britain’s Gilt Meltdown, and 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