Group Disability Plans Cover Base Salary Only, Not Commissions

Published on October 27, 2026

A wirehouse financial advisor recently asked me to run the numbers on his group long-term disability (LTD) coverage. He had enrolled years earlier and looked at the benefit summary, which indicated coverage for 60% of his earnings — a figure that seemed generous enough.

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Solid Real GDP Growth in Q3

October 27, 2026
We estimate the US economy grew at a 3.3% annual rate in the third quarter. Solid. Robust even, considering that net immigration is near zero and possibly negative, while Baby Boomers continue to gradually drift into retirement.

How Family Offices Can Take a Practical Approach to AI

October 27, 2026
Family offices do not need to choose between ignoring AI entirely and adopting it everywhere at once. A practical middle path exists, and it starts with controlled experimentation. By protecting sensitive information, choosing a well-defined use case, and confirming that the underlying data can actually support it, family offices can see significant benefits from AI without introducing significant