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The product behind those headlines is private credit. It’s a $3.5 trillion market most clients have never heard of, and the executive order signed in August of 2025 opened the door to bring it directly to the $13 trillion defined contribution market — meaning the 401(k)s most clients think they understand.

Referral partnerships once felt like the smart way to grow. You sent clients to a financial advisor or insurance agent, they sent business back, and everyone benefited. But through the years, you've also probably noticed some cracks. The referrals slow down. The quality drops. And your revenue starts to feel as unpredictable as the partnerships themselves. This article explains why referral partnerships often become unreliable and what you can do instead.

There’s a window most retirement plans don’t even map. It opens the year a client’s W-2 income stops, and it closes the year Social Security starts. For most of the clients you and I see, that’s somewhere between two and six years of unusually quiet tax air — earned income gone, Social Security not yet on, required minimum distributions still a long way off.

A couple in their early 60s — came to me in March with a version of a question I bet you’ve heard a hundred times: when is the right time to start converting to Roth?