Gregory Kanarian of Natixis Investment Managers plans to accelerate charitable giving in 2025 in light of changes from the recently passed tax and spending legislation, including a new 0.5% adjusted gross income floor. Kanarian suggests that financial advisors work with clients to accelerate giving in 2025, using donor-advised funds and appreciated stock. "Donating low basis shares in lieu of cash can provide a double tax benefit: It avoids capital gains tax on the appreciation, and the taxpayer can take a charitable deduction equal to the stock's current market value," Kanarian writes.

The Federal Reserve is expected to cut its benchmark rate by 25 basis points today, bringing it to a range of 3.75%-4%. Policymakers are moving to support the economy amid signs of a cooling labor market and subdued inflation, even as data gaps from delayed government reports cloud the outlook. The decision reflects a precautionary step to sustain growth and maintain confidence while leaving the door open for further adjustments if economic conditions weaken.

Organic growth stands out as the most reliable indicator of a firm's long-term health, demonstrating that a company is retaining clients, building strong relationships and attracting new business through reputation and referrals, rather than relying solely on acquisitions, writes Christian Mango of OneDigital. Firms with consistent organic growth have scalable processes, empowered advisors and a resilient business model, making their equity fundamentally more valuable, Mango writes.

Regular insurance reviews are crucial for small-business owners to avoid unexpected coverage gaps, writes JoAnne Hammer of Insurance Canopy. Rather than waiting for renewal notices or relying on auto-payments, clients should proactively assess their policies to ensure alignment with current operations. Treating insurance like a routine checkup helps identify and address issues before they lead to costly claims or losses, Hammer writes.

Student debt can be a significant financial concern into middle age, but some people manage to pay it off relatively quickly. Here is a look at real-world examples of how people have paid down the debt with the help of side gigs, refinancing and other strategies.

A Prudential Financial survey finds 83% of mass affluent individuals globally, including 79% in the US, are open to working in retirement, with many interested in self-employment, teaching and property management. The survey also reveals that 87% feel confident about covering retirement expenses, though only 41% have sought help from financial advisors and only 50% have factored evolving costs into their retirement planning.

According to Allianz Life's 2025 Annual Retirement Study, 55% of Americans are unsure how Social Security will fit into their retirement plans, and 46% worry about maximizing benefits. While 53% expect Social Security to be a major income source, less than 40% of respondents report having a well-thought-out claiming strategy.