Jon W. Ulin, CFP®, CEO

Financial Decision-Making In Retirement Deserves A Backup Plan Many retirement plans are stress-tested for market crashes, inflation, and longevity, but far fewer are tested against the possibility that managing money will become harder over time. This challenge can be addressed through preparation while people are still at their sharpest. One effective step is to simplify finances by consolidating accounts, reducing moving parts, and automating routine tasks. Creating a one-page financial map helps spouses, children, or friends know where to start during a crisis. Account holders can also name a trusted contact or establish a durable power of attorney for finances. Finally, setting up guardrails like account alerts helps protect against scammers who target older adults. Having a trusted financial advisor to coordinate and quarterback your financial life and team is key- and exactly how we operate as well. If you would like to disucss your financial plan and roadmap, click book an appointment above. forbes.com/sites/andrewrosen…

9 Year-End Tax Planning Moves Small-Business Owners Should Make Now. Small business owners are urged to prioritize proactive year-end tax planning for 2026 to optimize finances and avoid surprises. Key considerations include the permanent qualified business income deduction, 100% bonus depreciation, and higher retirement plan limits. Strategies involve building accurate tax estimates, revisiting business entity and compensation structures, and maximizing retirement contributions. Owners should also carefully time equipment purchases, protect their QBI deduction, utilize home-office and reimbursement deductions, and ensure clean financial records. Coordinating income, deductions, and charitable giving, along with exploring SALT deduction strategies, are vital. The aim is to align tax decisions with overall business and personal financial goals, consulting professionals early to avoid preventable taxes and penalties. We consult our small business owner clients along with their CPA on appropriate tax savings and planning strategies to consider before year end. If you have any questions or would like to review how your business financial planning decisions may affect your personal taxes and future retirment, happy to chat. forbes.com/sites/davidrae/20…

Anthropic filed for an IPO under the proposed ticker ANT. Its first-half revenue increased approximately fourteenfold to $16.3 billion. Its reported net loss reached $80.7 billion. But here's the important distinction: Approximately $72.4 billion of that loss resulted from noncash accounting adjustments. Its operating loss was $693 million. Are investors reading the financial statements or simply reacting to headlines? Why it matters: Financial headlines can obscure underlying operating performance. Investors must separate accounting results, cash generation and valuation. The real question isn't whether Anthropic lost $80 billion in cash. It didn't. The question is whether its future profits and cash flows can justify a potential $1.5 trillion to $2 trillion valuation. finance.yahoo.com/markets/st…

Your portfolio may be diversified. But is your financial life protected? 📊 This week's Ulin & Co. Wealth Planning Infographic: Five financial risks your investment portfolio can't diversify away Most investors spend considerable time reviewing stocks, bonds, and investment performance. But what about the financial risks that diversification can't solve? A major liability claim. An unexpected disability. Long-term care expenses. A hurricane. Or the loss of a family's primary income earner. These exposures can disrupt even a well-constructed financial plan. At Ulin & Co. Wealth Management, we believe comprehensive financial planning should go beyond investment management to include insurance reviews, risk management, asset protection, and estate planning coordination. As an independent fiduciary wealth management firm, we help successful families, executives, and business owners identify potential gaps and coordinate solutions with their insurance and legal professionals. Because protecting your wealth is just as important as building it. Financial Independence. Financial Security. Peace of Mind. Discover our Private Client Group and Plan Your Best Life®. Based in Boca Raton, serving South Florida and clients nationwide. ulinwealth.com/get-started/

Over 40% of Americans are heading toward retirement ‘blind’ — with no plan. (Ulin, MarkeWatch with Jessica Hall). Nearly half of Americans haven’t calculated what they’ll need in retirement. “Finding out at 45 that you’re behind gives you time to adjust your savings, investments or retirement expectations. Finding out at 65 leaves you with far fewer options,” said Jon Ulin, founder and managing principal at Ulin & Co. Wealth Management in Boca Raton, Fla. “Not knowing your lump-sum retirement-savings number is like driving blind into one of the biggest financial decisions of your life. … You can’t simply wake up in your 50s or 60s, decide you’re done working and expect the numbers to work.” read more- marketwatch.com/story/over-4…

The AI trade is splintering as inflation fears rattle hyped-up tech stocks. Investors are wondering if steep inflation and increased borrowing costs could derail the AI buildout With inflation rising faster than expected in September, investors are now bracing for the possibility of more interest-rate hikes. A high-rate environment would create difficult conditions for the capital-intensive AI boom, which has become increasingly dependent on borrowed money. Air Bears? Possible Bubble? Normal adjustments in today's economy? Buy? Sell? - MAGS- near break even 12 months - CoreWeave down nearly 80% 12 months - Memory down 40% since June What are your thoughts. marketwatch.com/story/the-ai…

Great catching up with Craig from @ogkcreative! 🤝 Always a good time connecting with creative minds who understand the value of strong branding and building a business that stands out. We talked branding, business card updates, and a few exciting ideas for what's next. Keep it creative. Keep it authentic. Keep it independent. 💪 #Branding #CreativeCollaboration #SmallBusiness #Entrepreneurship #BusinessGrowth

Private Credit: Ai credit concern is spreading. Yesterday, S&P Global warned that major tech companies may have more AI-related financial obligations than their reported debt suggests. The concern involves interconnected financing arrangements, including guarantees supporting data centers and smaller AI companies. This is an important extension of last weeks concerns about highly leveraged infrastructure providers. So far no downgrades. OUR THESIS: (For investors) AI demand, AI profitability and AI stock valuations are three different things. Demand can remain exceptional while financing becomes more expensive (noted in this article) and stock valuations decline. That argues for maintaining diversified equity exposure while distinguishing financially strong beneficiaries of AI investment from businesses dependent on repeated capital raises. For the broader market, I would watch whether weakness in AI-related equities begins spreading to earnings expectations outside technology. reuters.com/business/top-hyp…

Your Financial Life Needs a CFO. Investments, taxes, retirement, estate planning and insurance all affect your financial future. But whos making sure everything works together? For more than two decades, Ulin amp; Co. Wealth Management has served as a personal CFO and financial advocate for successful families, executives and business owners, helping coordinate the moving parts of their financial lives through comprehensive financial planning and personalized wealth management. As an independent fiduciary wealth management firm, we combine the personal attention of a boutique practice with access to leading custodians, including Charles Schwab and Fidelity. Because building wealth is one challenge. Protecting it, managing it and enjoying it requires a coordinated strategy. Our goal: Financial Independence. Financial Security. Peace of Mind. Discover our Private Client Group and Plan Your Best Life®. Based in Boca Raton, Florida, serving clients throughout South Florida and nationwide. Learn more: ulinwealth.com/get-started/ #CharlesSchwab #Fidelity #WealthManagement #BocaRaton #FinancialPlanning

Five forces shaping the bull market’s fifth year, and what they mean for your portfolio. Stocks have doubled in four years. But can this bull market keep running? With Treasury yields near 5%, inflation heating up and cracks appearing in the AI trade, investors may need to buckle up and buckle down. A slower bull market is still a bull market. Just don’t confuse momentum with a margin of safety. #Investing #StockMarket #WealthManagement #RetirementPlanning

AI’s next big challenge may not be technology. It may be electricity, financing and execution. The Financial Times reports that at least 47 major U.S. data center projects have been delayed, withdrawn or blocked this year. Bernstein estimates that only 35% of the planned pipeline is credible. That’s a meaningful distinction for investors. Announced capital spending doesn’t automatically translate into completed projects, revenues or profits. The AI investment boom remains compelling, but investors should distinguish between companies benefiting from actual infrastructure spending and those relying on ambitious projections. The next phase of AI investing may reward execution over expectations. However, there is an important counterweight. A separate Financial Times survey of 94 economists⁠ published today found broad optimism about AI’s potential to improve global productivity over the next decade. The distinction is between confidence in AI’s long-term economic benefits and confidence that every infrastructure investment will generate attractive returns en.fnnews.com/news/202610190…

🏎️ Fast Five: The Bull Market’s Next Chapter Four years down, five forces to watch, and what could keep stocks moving in 2027. (ULIN) “We talkin’ or we racin’?” That’s Vin Diesel’s Dominic Toretto in Fast Five, the 2011 blockbuster that shifted the Fast & Furious franchise into high gear. Wall Street hasn’t been taking its foot off the accelerator either. Since the October 2022 bear-market bottom, the S&P 500 has more than doubled, powering through inflation, recession fears, higher Treasury yields and geopolitical shocks. On October 12, the bull market celebrated its fourth birthday and entered year five. But with inflation climbing to 3.7%, energy prices surging and long-term interest rates remaining elevated, does this rally have enough fuel for another run? In this week's Mastering Your Wealth® newsletter, we examine five forces shaping the road ahead: 1. Corporate earnings: Can profits keep supporting higher stock prices? 2. Artificial intelligence: Will massive AI investments deliver meaningful returns? 3. Interest rates: How does a near-5% Treasury yield change the equation? 4. Market breadth: Can the other 493 stocks help carry the rally? 5. Valuations: How much optimism is already priced in? Our outlook remains constructive, but year five may bring a slower, bumpier ride. A slower bull market is still a bull market. Read our latest market commentary: ulinwealth.com/the-bull-mark… #BullMarket #StockMarket #Inflation #WealthManagement #MasteringYourWealth #fastandfurious

Hello from Benjamin Buttons Ulin, our unofficial Director of Asset Protection at Ulin & Co. Wealth Management. Eight years of experience. A Fiercely loyal Boston. Never takes his eye off the ball. His investment philosophy? Buy and hold. Especially the ball. Happy Thursday from the Ulin & Co. team! #bocaraton #southflorida ulinweallth.com

What do you really want from your financial advisor? Better investment returns or a better night's sleep? According to a 2025 Vanguard survey of more than 13,000 investors, peace of mind was the most common reason people sought financial advice, cited by 34% of respondents. Investment returns came in at 17%. That finding reinforces something we've believed at Ulin & Co. Wealth Management for more than two decades. Successful wealth management goes well beyond managing a portfolio. It's knowing whether you can retire comfortably, navigate uncertain markets, make smart tax decisions, protect your family, and enjoy the wealth you've worked hard to build. We believe your financial advisor should serve as your personal "CFO" and financial advocate, helping coordinate the moving parts of your financial life while keeping your long-term goals in focus. Our goal is simple: Financial Independence. Financial Security. Peace of Mind. Because ultimately, the value of financial advice isn't measured by investment returns alone. It's also measured by the confidence and freedom it helps you enjoy. To learn more about our independent firm and Private Client Group powered by NewEdge Advisors serving successful entrepreneurs, executives, athletes, artists, and ultra-high-net-worth families with a fiduciary focus, visit ulinwealth.com/get-started/ Serving clients in Boca Raton, South Florida - and nationwide. Plan Your Best Life®

The bull market is turning 4 years old- but yields could crash the party. For four years, tech has been the answer to almost every question about this bull market The stock market has more than doubled in four years. But with bonds offering nearly 5%, investors finally have alternatives. The question isn’t whether stocks can keep rising. It’s whether the potential return justifies the additional risk The next four years may require a different investment strategy from the previous four. Valuations, earnings growth and interest rates all matter. marketwatch.com/story/the-bu…

Many small business owners assume that when theyre ready to retire, they can simply put their business on the market and find a buyer. In reality, selling a business is rarely that simple. Some Businesses sell for millions while others never sell at alll. Many business owners dont see their business through the lens of a buyer and lack succession plans. A major hurdle is owner dependency; businesses too reliant on the founder lose significant value. More than just great financials, buyers seek operations with documented processes and management depth that can run independently, malaysia.news.yahoo.com/why-…

“It’s Gotta Be A CFP®! ”CFP Board’s Fall 2026 national awareness campaign highlights the value of working with a CERTIFIED FINANCIAL PLANNER™ professional when making important financial decisions. Whether youre approaching retirement, navigating a major life transition, or simply wondering if your current financial strategy is on track, its never too late to take the first step or seek a second opinion. At Ulin & Co. Wealth Management, our independent, CFP®-credentialed team provides comprehensive financial planning and investment management under a fiduciary standard, putting your interests first. Ready for a fresh perspective? Click “Get Started” above to connect with our team. Watch CFP Board’s new commercial: youtube.com/watch?v=rketyVNj…

Business owners want integrated advice – and almost half arent getting it. Advisors explain how to diversify business equity, build succession safeguards and keep exit plans current. Most business owners want a financial advisor who treats their company and their personal wealth as one plan, but only about half actually have one. Nearly nine in 10 respondents (89%) in PNC Private Banks Business Owner Wealth Insights 2026 report value advice that considers both business and personal needs, yet only 55% currently work with an advisor on both. If you are a business owner and seeking a comprehensive plan with an independent fiduciary shop, click book an appointment above to get in touch. investmentnews.com/practice-…

Health Insurance Open Enrollment for 2027 is going up another 10-20%/yr. As healthcare costs continue to climb, use these strategies to select an insurance plan with the coverage you need at a price you can afford. Whether you are a small business owner /employer like us, or you plan to retire before age 65- be prepared to navigate health insurance premiums that are skyrocketing. kiplinger.com/personal-finan…

Higher Rates Have These Top US Stock Fund Managers Taking a More Defensive StanceThat means avoiding companies with too much debt and adding exposure to high-dividend stocks like financials. Key Takeaways: Bond yields have risen to multiyear highs, and they could stay elevated for some time. Some portfolio managers are taking more-defensive positions in stocks and trimming artificial intelligence holdings. They’re avoiding companies with too much debt and adding exposure to dividend stocks, financials, and insurance. Do higher bond yields demand a new playbook for stock investors? What is your Q4 strategy? global.morningstar.com/en-eu…