Archives Of Weekend Reading For Financial Planners

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that an analysis of SEC data by AdvizorPro finds that while total advisor headcount dropped in 2025, the RIA channel saw a net gain of more than 17,000 advisors, with the hybrid channel seeing the largest losses at more than 15,000 advisors. Looking specifically at current advisors changing firms, the data show that while intra-channel moves remain common amongst advisors in the broker-dealer and hybrid channels (though less so at wirehouses), many advisors are gravitating towards the RIA channel (with very few RIA advisors moving away from the channel), suggesting that the draw of greater independence remains strong.

Also in industry news this week:

• CFP Board announced that its current COO K. Dane Snowden will succeed Kevin Keller as its CEO, with the new leader taking the reins of a growing organization (which added more than 6,700 certificants last year) that will look to add to its population and strengthen its professional standards as it seeks to ensure that CFP professionals continue to stand out from other sources of financial advice in the eyes of consumers
• FINRA has advanced a proposed rule that would eliminate requirements for broker-dealers to supervise unaffiliated RIA activities by its representatives on an ongoing basis

From there, we have several articles on retirement planning:

• An analysis assesses which retirement income strategies result in the largest ending value for clients who want to leave large legacy interests (as well as the pros and cons of doing so)
• How advisors can support clients by giving them confidence in their chosen retirement income strategy so that clients aren't tempted to take additional defensive measures that could be 'overkill' and reduce their income or overall wealth
• 8 ways advisors can help clients reduce their worry that they will run out of money in retirement, from insuring against major potential expenses (e.g., long-term care or a major tax increase) to highlighting additional sources of potential liquidity

We also have a number of articles on advisor value:

• How human advisors decisively won the 'battle' against robo-advisors and what this might mean for potential competition with AI-powered advice tools in the future
• How advisors can play a valuable role by helping clients consider possible life events they might not have previously prepared for, from a period of disability to unexpected lawsuits
• While there are more than 100 ways financial advisors can add value for clients, zeroing in on the key services that an advisor's ideal target client needs can allow them to attract good-fit clients without spending additional time mastering less-common planning areas

We wrap up with three final articles, all about work-life balance:

• Why the quality of time spent working is often more important than the total number of hours one works in a week
• How seeking out more opportunities for pleasure could be a more effective strategy than seeking out the latest productivity 'hacks'
• Psychological research suggests that regularly stepping away from the office (even when one is in the middle of a major project) could ultimately lead to greater productivity

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a recent survey finds that financial advisors appear to be employing increasingly comprehensive service offerings as they look to serve wealthier clients, with Millennial advisors at the vanguard of this trend. Nevertheless, given the advisor time and staffing requirements of offering additional (and deeper) services, many advisors appear to be looking for efficiencies in other areas, including employing model portfolios (as 90% of surveyed advisors reported using them), with other options including tailoring their service model to fit the needs of their ideal target client (which could have the added benefit of allowing advisors and firms to stand out compared to more generalist peers).

Also in industry news this week:

• The Treasury Department officially announced this month that it is postponing its proposed Anti-Money Laundering Rule until 2028, giving affected firms additional time to comply and the government the opportunity to potentially tighten its scope
• A survey finds that while a strong majority of financial advisors report benefiting from Artificial Intelligence (AI) tools, many are looking for evidence from peers and regulators that they can deepen their engagement effectively and compliantly

From there, we have several articles on retirement and tax planning:

• While Income-Related Monthly Adjustment Amount (IRMAA) surcharges can be tough to avoid (and represent a thorn in many clients' sides), advisors can potentially offer hard-dollar value by managing client income around IRMAA's 'cliff' thresholds and through strategic planning around charitable giving
• How advisors can allay client concerns that Required Minimum Distributions (RMDs) will lead them to significantly boost their spending and reduce their overall wealth, from considering "in-kind" transfers to highlighting the generous life expectancy assumptions that go into calculating RMDs
• Why the best way to plan around taxes in retirement is not necessarily to defer too much income, nor too little, but rather to seek out and find the equilibrium rate that balances them out

We also have a number of articles on advisor marketing:

• How building a strong personal brand can help financial advisors stand out in the marketplace and make it easier for clients to refer friends and family
• Lessons financial advisors can learn from online influencers in creating content that leads to "parasocial" relationships that can build trust with potential clients even before meeting with them face-to-face
• While rebranding an advisory firm can demonstrate its expansion beyond its founder or local area, doing so successfully can require both hard-dollar outlays and strong two-way communication with key stakeholders

We wrap up with three final articles, all about wealth:

• How increased participation in workplace retirement plans and strong market performance have led to a sharp rise in the number of "moderate millionaires", who might not be able to have the lavish lifestyles of millionaires of the past (but could make excellent financial planning clients)
• How advisors can support clients in calculating the 'ideal' level of wealth that will allow them to achieve their lifestyle goals while working and in retirement
• Why some families are creating family mission statements to increase the chances that their wealth will last for multiple generations (and how such statements can support advisors in creating estate planning recommendations)

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a study by financial advisor AI platform Jump, which analyzed thousands of anonymized client meetings, found that advisors were broadly able to improve client sentiment over the course of meetings. Notably client sentiment saw a bigger boost when advisors demonstrated stronger emotional intelligence (including by having balanced talk time with their clients, asking open questions, and serving as an empathetic listener to client concerns), suggesting spending time during meetings to better understand and respond to client concerns could ultimately pay off in the form of improved client sentiment (and perhaps, ultimately, greater client retention and referrals).

Also in industry news this week:

• A survey from Vanguard finds that "peace of mind" was the most-cited reason its clients cited for pursuing an advice relationship, with an advisor's ability to monitor the client's financial situation in the background while also acting in the client's best interest as key drivers of creating this sentiment
• The SEC this week proposed amendments that would change the definition of "small entity" when it comes to the application of regulations for RIAs from having less than $25 million of assets under management to less than $1 billion, which could potentially lead to reduced regulatory burdens for a wide swath of firms

From there, we have several articles on investment planning:

• Why investment concentration can be a double-edged sword and how advisors can offer value when clients express concerns that their portfolios are either over- or under-concentrated
• Why liquidity risk is an important part of evaluating a potential investment (and why it's sometimes overlooked by investors)
• While advisors might pride themselves on providing evidence-based investment recommendations, investment research and performance can sometimes offer contradictory conclusions

We also have a number of articles on retirement planning:

• A review of studies on the drivers of happiness suggests that certain "additions" (e.g., finding more opportunities for socializing) and "subtractions" (e.g., "buying time" by outsourcing certain undesirable tasks) could improve wellbeing in retirement
• How financial advisors can help retiring clients successfully make the adjustment from full-time work to having "7 Saturdays A Week" (both financially and in identifying what they are planning to retire "to")
• While studies can provide aggregate information about the drivers of happiness, each individual's preferences are likely to differ from the broader population, suggesting that a more personalized approach to planning for retirement could lead to a more satisfying result

We wrap up with three final articles, all about attention:

• Six ways individuals can improve their attention spans, from scheduling breaks to avoiding "task switching" as much as possible
• Why "critical ignoring" is a valuable skill at a time when there is no shortage of (sometimes unreliable) information sources available
• An experimental study suggests that relying on AI tools to create written products that require deep thought could lead to less-convincing work and an accumulation of "cognitive debt" in the process

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that while 2025 was a fruitful year for RIAs, as firm leaders look ahead to 2026, several key themes and decision points are on the horizon, from navigating the recent calm market environment (which is supportive of client portfolios and firm AUM, but could make certain clients or prospects complacent about their need for professional advice) to increasing industry movement (both in terms of the brisk pace of RIA dealmaking and advisors moving to RIAs from other industry channels and between RIAs themselves), all while firms look to boost their organic growth and create the operational (and staffing) capabilities needed to maintain a high level of client service. Which could make 2026 a key year as many firms look to be opportunistic while ensuring they remain prepared for a future economic or market downturn.

Also in industry news this week:

• A survey finds that only one-quarter of advisors are at least "very satisfied" with their firms' tech stacks, though many firms appear to be looking to improve them, whether in terms of enhancing core functions (e.g., CRM or financial planning software) or exploring opportunities with AI-enabled software
• The U.S. House of Representatives in December passed the INVEST Act, which could lead to more RIAs qualifying as "small entities" (entitling them to certain regulatory relief) and to more individuals qualifying as "accredited investors" with access to certain private market investments

From there, we have several articles on tax planning:

• While Modified Adjusted Gross Income (MAGI) is the metric used to determine eligibility for several deductions included in the One Big Beautiful Bill Act (OBBBA), the exact types of income MAGI includes for the purposes of OBBBA measures remains unclear in the absence of IRS guidelines
• How financial advisors can potentially save clients thousands of dollars in taxes by ensuring they coordinate their Qualified Charitable Distributions (QCDs) with other IRA withdrawals when it comes to fulfilling their Required Minimum Distributions
• How helping clients navigate the capital gains "bump zone" can help them avoid unexpected large increases in the marginal tax rate they face in a given year

We also have a number of articles on investment planning:

• How advisors with clients interested in cryptocurrency investments can offer value by calibrating an allocation that meets their particular risk-return preferences and investment goals
• Why the timing of investments in (often volatile) cryptocurrency ETFs plays a large role in determining an investor's ultimate returns
• While Bitcoin is sometimes referred to as "digital gold", Bitcoin and physical gold have shown quite different performance characteristics in recent years

We wrap up with three final articles, all about New Year's resolutions:

• Why setting reasonable goals and being kind to oneself are key tactics for fulfilling New Year's resolutions
• New Year's resolution opportunities for financial advisory clients, from reviewing their estate plans to reassessing their liquidity needs
• 11 daily habits that can help lead to success in achieving one's goals in the coming year and beyond

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a survey from Mergers and Acquisitions (M&A) consultancy DeVoe & Company finds that RIA leaders on the whole expect the already brisk pace of deal volume to increase in 2026, as (often private equity-backed) buyers find matches with sellers looking for external partners (who might be able to offer a premium valuation compared to internal successors). Notably, a strong majority of respondents who are looking to make an acquisition cited culture fit as the top characteristic they seek in a potential target (with talent coming in second), perhaps recognizing that successfully integrating an acquired firm is key to the success of a deal (e.g., in terms of client and employee retention). Nonetheless, internal successions do remain viable options for firms, according to the report, with the key to success being a willingness to start planning early to identify potential successors and to create a process and financing program that works for both parties.

Also in industry news this week:

• The Securities and Exchange Commission (SEC) has issued a risk alert warning about missteps the regulator has identified regarding its marketing rule, particularly when it comes to making clear disclosures surrounding testimonials, endorsements, and third-party ratings and rankings
• The SEC has signaled that it will allow a wide range of asset managers to offer dual-share-class funds, presenting potential fund-expense and tax-saving opportunities for advisors (and potentially raising questions for firms relying on mutual fund commission income)

From there, we have several articles on investment planning:

• Morningstar's latest safe withdrawal rate figures ticked higher for those retiring in 2026, with spending flexibility allowing for even higher starting withdrawal rates
• While retirement income strategies that rely on spending flexibility are often attractive for clients, explaining potential spending reductions in terms of both the potential dollar amount and the duration of reduced portfolio withdrawals could give clients a better understanding of the tradeoffs involved and avoid negative surprises down the line
• Why the concept of sequence of returns isn't just about protecting against market declines early in retirement, but can also be an opportunity to (significantly) boost retirement withdrawals if a positive return sequence occurs

We also have a number of articles on practice management:

• Why understanding a firm's capacity could be a more effective forward-looking metric than other measures of productivity
• Given that a move 'upmarket' can introduce additional complexity and strain firm capacity, assessing firm infrastructure and fee models before making this move could lead to a more sustainable approach
• Why evaluating and potentially revising a firm's internal processes could be more effective than defaulting to hiring a new employee when reaching capacity limitations

We wrap up with three final articles, all about cash flow management:

• The value of evaluating the time/money tradeoffs involved when considering whether to take advantage of 'free' offers
• How advisors can help clients recognize and address "lifestyle creep" to ensure their spending is aligned with their priorities (perhaps retire earlier than they might expect)
• The value of conducting a subscription 'audit' to save time and mental bandwidth in a world of proliferating services charging recurring fees

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a report from The Ensemble Practice finds that advisory firms are predominantly hiring and developing newer advisor talent rather than directly hiring experienced advisors. While there are several reasons why firms might want to do so (from a newer hire being a 'blank slate' that the firm can train on its service model and culture to their relatively lower compensation requirements), the report notes that hiring established advisors comes with its own advantages (from the ability to serve clients and generate revenue soon after being hired to the fresh ideas they might bring to the business from their previous firms). Notably, though, this is not an either/or choice for firms and some might choose to evaluate their current talent pipeline and assess whether they could benefit most from 'drafting' developmental talent or adding a seasoned 'free agent' for their next hire!

Also in industry news this week:

• Research from Cerulli Associates finds that multi-advisor teams studied have hire average per-client AUM and offer more services than solo advisors and are supported by deeper service teams (though creating and managing advisor teams can come with added complexity compared to the [supported] solo model)
• The SEC in the coming year is planning to pay close attention to firms engaged in merger and acquisition activity and those using alternative investments in client portfolios to ensure firms are providing sufficient disclosures and are abiding by their fiduciary responsibilities

From there, we have several articles on investment planning:

• An analysis of whether investors are facing the prospect of an Artificial Intelligence (AI)-fueled bubble as well as the potential short- and long-term impacts of rapidly growing investments in AI
• A look into previous market cycles and current valuations suggests that the current bull market could have additional room to run (though negative earnings surprises or other factors could still lead to a downward turn)
• How advisors can help nervous clients feel empowered amidst concerns that a potential AI-fueled bubble could lead a dramatic market downturn, from reconfirming a match between their asset allocation and liquidity needs as well as taking advantage of portfolio rebalancing opportunities (including potential tax savings from donating highly appreciated positions)

We also have a number of articles on advisor marketing:

• A guide for creating a quarterly tactical marketing plan that can help an advisory firm stay on track to meet its annual client growth goals
• How breaking down marketing goals into weekly 'chunks' can provide small 'wins' that build momentum (and keep an advisor accountable) on the path to achieving longer-term targets
• Key Performance Indicators (KPIs) that advisory firms can use to determine which of their marketing tactics are performing the best and which they might stop doing

We wrap up with three final articles, all about health:

• A study finds that office workers who employ a prescribed sit-stand ratio during the day can potentially experience productivity gains and less stress
• How one study finds that the mood benefits of drinking caffeinated beverages are particularly acute soon after waking up
• Why getting out into the sunlight early in the day can potentially improve an individual's sleep patterns and overall health

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a study of RIAs with at least $100 million in AUM finds that those who made at least one acquisition during the past five years tended to have stronger AUM growth during the past three years (net of market performance) than those that did not. While assets brought in via acquisition(s) no doubt played a role in this finding, the report noted that the success of a particular acquisition (in terms of boosting long-run growth) can vary significantly depending on how well the acquiror integrates the selling firm. Which suggests that while an acquisition can provide a boost to AUM, completing a deal successfully isn't just about meeting the sale price, but also putting in the time and effort to ensure the two organizations come together with as few disruptions as possible (leading to greater client and employee retention in the process).

Also in industry news this week:

• A study finds that advisory firms looking to serve ultra-high-net-worth clients are adding new services (including business planning, foundation management, and concierge services) and are often increasing their fees (or charging separately for particular services) to reflect the additional time and hard-dollar investment required to provide them
• FINRA in its annual oversight report specifically calls out potential areas of concern regarding the use of AI tools, including 'hallucinations' that could lead to inaccurate advice and the use of AI 'agents' that could take unwanted or incorrect actions on behalf of an advisor

From there, we have several articles on retirement planning:

• An analysis finds that the 'traditional' Social Security claiming advice for client couples doesn't necessarily apply when the spouses make similar incomes or are very close in age
• Why the 'widow tax hit' might not be as severe as might be assumed, with the loss of income from a deceased spouse frequently having a much larger influence on the surviving spouse's lifestyle
• While many client couples assume they will retire simultaneously, survey data suggest that only a small minority do so, suggesting a valuable role for financial advisors in helping clients talk through how they might handle a staggered retirement

We also have a number of articles on charitable giving:

• How a "Giving Power" metric can help advisors and their clients better understand the most efficient (and inefficient) ways to donate to charity
• How offering charitable planning services not only can help clients make the best use of their charitable dollars, but also potentially allow advisors to differentiate themselves from other advice providers who don't focus on this planning area
• Questions, scripts, and tools financial advisors can use to improve engagement with clients when it comes to charitable planning

We wrap up with three final articles, all about leadership and culture:

• Six ways leaders can build their team's self-confidence, from giving employees autonomy to setting clear and consistent standards
• A case study in how one company added more clarity, objectivity, and communication to its hiring process, leading to higher-quality hires and greater employee retention
• The value for firm founders and executives of celebrating personal accomplishments, from reducing stress to incentivizing progress towards their next goal

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that a CFP Board survey finds that while the vast majority of advisors believe their clients are confident in their ability to achieve their short- and long-term goals, many of these clients are feeling cautious or uncertain as the new year approaches, with political and economic concerns weighing on their minds. Nonetheless, amidst this backdrop, many advisors appear to be taking the opportunity to empower their clients by encouraging them take action on areas that they can control (e.g., tax planning in the wake of the One Big Beautiful Bill Act) rather than focus on an uncertain (and uncontrollable) external environment.

Also in industry news this week:

• Research from Cerulli finds that while advisors are offering increasingly comprehensive planning services, clients aren't necessarily using all of them (or perhaps don't recognize the full scope of work their advisor is performing on their behalf)
• A survey from Fidelity finds a gap between aging parents and their children when it comes to communication around estate and long-term care planning, presenting a potential opportunity for advisors to encourage such conversations to ensure that clients' plans in these areas are executed seamlessly when the need arises

From there, we have several articles on insurance and tax planning:

• How the scheduled expiration of the 'enhanced' Premium Tax Credit for Affordable Care Act marketplace health insurance plans could lead to significant premium hikes for clients, particularly those whose income exceeds a key threshold for eligibility
• The planning opportunities advisors and affected clients can consider to maintain eligibility for the Premium Tax Credit, including strategic retirement account contributions and income timing for working clients and careful distribution management for retired clients
• Why the increased cost of health insurance costs is a particularly thorny issue for clients who retire early, and how advisors can increase the chances that these clients will be prepared for a range of contingencies

We also have a number of articles on client communication:

• How financial advisors tend to play a variety of roles in different client situations, from a "mirror" who helps clients clarify their goals to an "intellectual sparring partner" who helps clients understand the pros and cons of different courses of action
• How advisors can apply the psychological practice of "chunking" to help clients focus on the big picture of their financial situation rather than focus on short-run market challenges
• Why offering too much "emotional empathy" for clients could lead to advisor burnout and how using more "cognitive empathy" could help clients make it through challenging situations without overstressing their advisor as well

We wrap up with three final articles, all about practical uses of Artificial Intelligence (AI) tools:

• While a new crop of AI-powered tools can help professionals organize busy email accounts and draft responses to relatively simple requests, they so far haven't been able to crack the code of replying to more complex matters that require the "tacit knowledge" and experience of those using these tools
• Driverless ride-hailing service Waymo has expanded within and across cities, potentially offering a new competitor into this market (and possibly improving safety in the process), though it faces challenges in scaling and achieving broader adoption
• How general and retailer-specific AI tools can help shoppers save time (and find the best deal) this holiday season

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" - this week's edition kicks off with the news that Charles Schwab (following a similar move as Fidelity and in a bid for greater revenue at a time when trading costs have plummeted and interest rate spreads on cash are being squeezed) is planning to introduce ETF platform fees as soon as early 2026, with the custodian expected to charge funds 15% of their ETF fee revenues or have them face a ticket charge of about $100. While aimed directly at the asset managers whose funds appear on Schwab's platform, such a move by Schwab could have secondary effects on RIAs, including the potential for some fund sponsors to  pass along (a portion of) the increased costs to investors in the form of higher fund expenses.

Also in industry news this week:

• The Department of Labor announced this week that it plans to drop its defense of the Retirement Security Rule (aka Fiduciary Rule 2.0), with a new proposal expected to be released in 2026
• A survey finds that small changes in how advisors frame certain retirement planning decisions can impact the likelihood of their clients accepting their recommendation

From there, we have several articles on investment planning:

• Why diversification (and not short-run inflation protection or absolute returns) could be the most significant benefit to holding gold in a portfolio
• 9 charts analyzing the strong performance of gold this year and whether these trends might continue in the future
• An analysis finds that while gold is not a particularly effective short-run inflation hedge, it has held its purchasing power over the (very) long run

We also have a number of articles on practice management:

• How a financial planning client service calendar can help a firm show how it meets the unique needs of its ideal target client (and differentiate it from other firms)
• How advisors can use a first-year client service calendars to show prospects the level (and type) of service they can expect to receive if they become clients
• Real-world examples of client service calendars show how firms can tailor this tool to their unique personality and ideal client profile

We wrap up with three final articles, all about shopping:

• Why thoughtfulness (rather than price) is often the name of the game for financial advisors looking for the 'perfect' client gift this holiday season
• An analysis suggests that some skepticism is merited when considering whether certain Black Friday 'deals' are, in fact, sales
• How a recent settlement between payment processors and merchants could lead to more limited acceptance or new surcharges when using a credit card

Enjoy the 'light' reading!

Read More...

Enjoy the current installment of "Weekend Reading For Financial Planners" – this week's edition kicks off with the news that the Securities and Exchange Commission (SEC) this week released its list of examination priorities for 2026, which includes a combination of focus areas from previous years (e.g., RIAs' use of emerging technologies, data security, adviser-broker dual registrants) and topics such as the operational complexities and potential conflicts of interest surrounding RIA mergers and acquisitions activity (amidst a record pace of dealmaking) and the use of alternative investments (including advisers' consideration of costs, risks, and conflicts of interest when it comes to alts such as private credit).

Also in industry news this week:

• A CFP Board report identifies four potential scenarios for financial planning amidst developments in Artificial Intelligence (AI) tools, from a world in which advisors thrive by providing a deeper level of service to (more) clients by incorporating AI tools across their firms to one where big tech firms come to dominate the financial advice sphere, with human advisors specializing in the most complex client cases
• The SEC appears to be taking a lighter touch towards enforcement of off-channel communications issues in recent months (particularly when it comes to historical compliance) but firms are likely to continue to face questions regarding their thoroughness in archiving required communications (and ensuring that all team members are aware of their responsibilities in this area)

From there, we have several articles on retirement planning:

• An end-of-year checklist for financial advisors and their clients saving for retirement, from making desired contributions to workplace retirement plans to identifying tax-loss harvesting opportunities
• How advisors can help their clients avoid Income-Related Monthly Adjustment Amount (IRMAA) surcharges in the years ahead
• As the end of the year approaches, advisors and their clients could consider their Roth conversion strategies for 2026, which could include "conversion-cost-averaging" or a "barbelling" approach

We also have a number of articles on advisor marketing:

• Strategies advisors can use to boost their rankings when consumers query search engines for "financial advisors near me"
• Four ways financial advisors can boost their presence in AI search results, from building FAQ pages to being cited by trusted media outlets
• How financial advisors can increase their visibility and relevance in their local communities to become the go-to source of advice for their neighbors

We wrap up with three final articles, all about handling challenging situations:

• The value of sorting thorny problems into those that could have a single, 'silver bullet' remedy and those that require a deeper level of analysis and a more complex solution
• Why choosing to take on challenging tasks isn't necessarily about appearing 'tough' in the eyes of others or achieving a certain accomplishment, but rather conditioning oneself for the inevitable challenges that arise over time, better focusing on the task at hand, and feeling more in control of one's life and outcomes
• Four ways to better handle uncertainty, including being honest about the problem at hand and trying 'experiments' that don't require committing to a particular plan

Enjoy the 'light' reading!

Read More...