Blog | Dunham

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

7/29/2025

Understanding Phaseouts for the One Big Beautiful Bill Act: Plus Phaseouts for Regular and Roth IRAs

Want help mastering the latest tax phaseouts? From Roth IRA income limits to new deductions under the One Big Beautiful Bill Act, this guide gives ...