What is Family Governance? Family governance is the set of structures, processes, and agreements that families use to organize themselves, make collective decisions, and manage shared businesses or assets. This framework is particularly important for families with significant wealth or family-owned enterprises, as it helps maintain unity, guides decision-making, and supports the family’s long-term vision.…
Joining an RIA promises advisors greater freedom, economics and client alignment. But advisors who go independent often find “the grass isn’t always greener.” Our President Rich Bursek shares the four key qualities advisors should look for in an RIA – and exactly how to evaluate them – in his article in Financial Advisor Magazine.
Disclaimer: This article is provided by Certuity for educational purposes only. Certuity neither recommends nor endorses investing or acting in this market. Prediction markets, once a niche tool for forecasting political outcomes and sports results, are experiencing rapid growth and attracting mainstream attention. With the rise of digital platforms and increasing participation from both retail…
On July 4th, 2025, the One Big Beautiful Bill Act (OBBBA) became law, bringing significant changes to the tax landscape that will impact our clients’ wealth management and legacy planning strategies. This legislation extends several key provisions from the Tax Cuts and Jobs Act while introducing new opportunities for tax optimization and wealth preservation. At…
Key Takeaways What Is Private Credit? Private credit is a type of financing where non-bank institutions lend money directly to private companies. Unlike traditional bank loans or publicly traded debt, these loans are typically tailored to the specific needs of the borrower and offer more flexibility. Types of Private Credit Investments Private credit spans a…
For family offices and Registered Investment Advisors (RIAs), the investment landscape is more complex and demanding than ever. Enter the Outsourced Chief Investment Officer (OCIO), which is a solution that is rapidly gaining traction among families and advisors seeking institutional-quality investment management without the overhead of a full in-house team. What Is an OCIO? An…
An Educational Guide for Business Owners and Startup Founders For business owners and startup founders, understanding a liquidity event is crucial as it often represents a pivotal moment in a company’s lifecycle. Simply put, a liquidity event is an occurrence that enables stakeholders such as founders, investors, and employees to convert their ownership stakes or…
Key Takeaways When it comes to smart investing, minimizing taxes is a key consideration towards maximizing returns. One powerful strategy that savvy investors—and their wealth advisors—use to enhance after-tax performance is tax-loss harvesting. By strategically selling underperforming investments to offset capital gains, tax-loss harvesting can help reduce your overall tax bill. However, tax-loss harvesting involves…
Key Takeaways In 2025, investors have grappled with a spike in market volatility driven by trade policy changes, persistent inflation, and growing global uncertainty. In early April alone, the S&P 500 dropped 15% after President Trump’s tariff announcements. As markets recalibrate to a landscape of tighter financial conditions and evolving global risks, understanding what drives…
In today’s rapidly evolving financial landscape, success is no longer measured by profits alone. As global attention shifts toward sustainability and social responsibility, social impact investing is emerging as a transformative force—one that redefines the role of capital in society. This approach encourages investors to look beyond traditional returns, prioritizing measurable positive change in communities…