Megatrends in Wealth Management

Explosive Sustainable/Social Impact Investing Growth

Modern Investing

Sustainable / Social Impact

Investors want sustainable solutions; aligned with their values. 71% of individual investors are interested in sustainable investing; 84% of Millennial investors.

link: Institute for Sustainable Investing

Wealth Transfer

The largest intergenerational wealth transfer in history is underway. The main recipients -- women & younger investors -- are particularly underserved by legacy advisors.

link: $30 trillion wealth transfer

Technology / Distribution

Investors want an app experience, but also professional human guidance -- especially most Millennial and Gen X investors who prefer hybrid high-tech + high-touch solutions.

link: Q3 2017 StreetWise Report

Tax Smart

Investors are increasingly aware of the erosion from taxes that come from traditional offerings that are optimized on pre-tax return. Tax alpha-seeking strategies can add +1-2% annually.

link: 2017 marginal tax calculator

Unconflicted; Client-Centric

"Hey Siri, what are some hidden costs of investing"
It's never been easier for clients to understand the industry's incentive conflicts.

link: Financial Services is the least-trusted industry in the U.S.

Fee & Expense Compression

Investors are seeking lower cost passive/index and algorithmic investment products to eliminate performance erosion from unnecessary fee and expense layers: the middlemen.

link: High-Performance Wealth Management

Every Megatrend is a tailwind for client-centric Financial Advisors who can provide a sophisticated product offering such as one powered by Impact Labs

link: product offering example

Explosive Sustainable/Social Impact Investing Growth

link: SRI/ESG Asset Growth

$9 trillion in SRI/ESG assets under management in the U.S.,
more than doubling from 2012 to 2016

1/5th of professionally managed investments

The Opportunity:
71% of individual investors are interested in sustainable investing
and 84% of Millennial investors

None of these numbers reflect the post-election Trump bump:
Investors are stepping up to support companies taking a stand and/or making a difference on social/impact causes.

Social/Responsible/Impact (SRI) investing criteria
and/or the application of
Environment/Social/Governance (ESG) factors.

Crypto Assets


Beware Of The Bitcoin Bubble: Investment And Financial Advisors Warn

“But it is anybody’s guess what inning. It looks to me like we’re well ahead of the 7th-inning stretch,” said Jason R. Escamilla, CEO of ImpactAdvisor, an investment advisory firm in San Francisco.

“The price level and energy usage are unsustainable. There is far better technology emerging to meet the same needs.”

Forbes, Nov. 2017


"Crypto assets are a new asset class that enable decentralized applications."

"A decentralized application is a way to create a service that no single entity operates."

- Adam Ludwin
link: A Letter to Jamie Dimon

"99% of Cryptocurrencies are total scams. And, yes, Cryptocurrencies are in a bubble."

"BUT...the opportunity is NEVER going away and generational wealth will be made. So you have to know the basics, why this opportunity even exists and what to watch out for."

- James Altucher
link: The ABCs of Bitcoin and Everything You Needs to know about "Forks"


Should I Invest in Bitcoin and Blockchain Technology?

"We view crypto-investing as driven by the greater fool theory of investing or speculation, and we genuinely mean that in a bullish way for now," says Jason R. Escamilla, CEO of ImpactAdvisor, a wealth management firm in San Francisco

Simply put, there are dozens of investment products on the horizon, many of which will introduce entirely new segments of investors to buy bitcoin: adding liquidity by way of all the marketing into new distribution channels. With those forces in place, it's anyone's guess when and at what level this bubble will peak.

"As an investor, you have to ask yourself, if you are getting into bitcoin today: what's your edge over the person selling to you? Simply looking at a chart showing the price rise is not enough," for bitcoin or any other second-hand good that trades in a marketplace.

U.S.News, Nov. 2017

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