Matt Berger, Vice President of Client Investment Strategies at Lincoln Financial, discusses how Lincoln’s Market Intel Exchange helps financial professionals bring clearer market perspective into client conversations. The Market Intel Exchange (MIE) is Lincoln’s monthly, client-friendly market resource, featuring charts and insights designed to help advisors explain timely market events, economic trends, and planning topics in plain English.

Matt explores how advisors can use the MIE when clients feel uncertain about the economy, markets, or their next move. From the urge to wait until conditions feel better to the hesitation around investing near market highs, he shares how data and perspective can help advisors reframe those instincts and keep clients focused on their long-term plans. He also explains why useful content should be both timely and evergreen, helping advisors frame conversations around long-term investing, retirement income, longevity, and client behavior while creating opportunities for outreach, prospecting, newsletters, and social media.

For more information or to subscribe to Lincoln’s Market Intel Exchange, visit LFG.com/MarketInsights

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LCN-8987802-062226

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Bassam Chaptini, co-founder and co-CEO of Avantos, discusses the long-running friction around client onboarding, servicing, and relationship management in wealth management. He explains why the problem is less about a lack of tools and more about fragmented systems, disconnected data models, and workflows that force advisors to assemble client context across too many places.

Avantos was built around a different approach: an AI-native client management operating system powered by a knowledge graph that connects client data, advisor context, product information, and the work to be done. Bassam explores how that unified layer can support enterprise-grade AI, human-in-the-loop automation, and cross-product service across wealth, insurance, banking, and other areas of financial services, giving advisors more room to focus on the client relationship instead of the operational drag behind it.

Resources: Avantos

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Andrew Okrongly, Director of Modern Portfolios at WisdomTree, examines how capital efficiency can help advisors solve one of the harder diversification questions: not whether to diversify, but what has to be sold to make room for it. Rather than treating alternatives, gold, commodities, or managed futures as trade-offs against core equity and fixed income exposure, Okrongly frames capital-efficient ETFs as a way to preserve the exposures clients already need while layering in complementary return streams.

That framework extends from efficient core strategies like NTSX to equity-plus-diversifier and inflation-sensitive approaches, with each structure pairing a funded sleeve with a futures overlay. Okrongly also addresses the practical considerations advisors need to understand, including collateral, tax treatment, funding costs, and why the point is not leverage for speculation, but a more flexible approach to modern portfolio construction.

Resources: WisdomTree

Important Information:

Investors should carefully consider the investment objectives, risks, charges and expenses of the Funds before investing. For a prospectus or, if available, a summary prospectus, containing this and other important information about the fund, call 866-909-9473 or visit WisdomTree.com/investments. Read the prospectus or, if available, the summary prospectus carefully before you invest.

There are risks involved with investing, including the possible loss of principal. Please read the Fund’s prospectus for specific details regarding the Fund’s risk profile.

Past performance does not guarantee future results.

Neither WisdomTree, Inc., nor its affiliates, nor Foreside Fund Services, LLC, nor its affiliates provide tax advice. All references to tax matters or information provided are for illustrative purposes only and should not be considered tax advice and cannot be used for the purpose of avoiding tax penalties. Investors seeking tax advice should consult an independent tax advisor.

WisdomTree Emerging Markets Efficient Core Fund (NTSX) risk information: While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended. The Fund invests in derivatives to gain exposure to U.S. Treasuries. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage and derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. Interest rate risk is the risk that fixed income securities, and financial instruments related to fixed income securities, will decline in value because of an increase in interest rates and changes to other factors, such as perception of an issuer’s creditworthiness. 

WisdomTree International Efficient Core Fund (NTSI) risk information: Investments in non-U.S. securities involve political, regulatory, and economic risks that may not be present in U.S. securities. For example, foreign securities may be subject to risk of loss due to foreign currency fluctuations, political or economic instability, or geographic events that adversely impact issuers of foreign securities. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended. The Fund invests in derivatives to gain exposure to U.S. Treasuries. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage and derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. Interest rate risk is the risk that fixed income securities, and financial instruments related to fixed income securities, will decline in value because of an increase in interest rates and changes to other factors, such as perception of an issuer’s creditworthiness.

WisdomTree U.S. Efficient Core Fund (NTSE) risk information: Investments in non-U.S. securities involve political, regulatory, and economic risks that may not be present in U.S. securities. For example, foreign securities may be subject to risk of loss due to foreign currency fluctuations, political or economic instability, or geographic events that adversely impact issuers of foreign securities. Investments in securities and instruments traded in developing or emerging markets, or that provide exposure to such securities or markets, can involve additional risks relating to political, economic, or regulatory conditions not associated with investments in U.S. securities and instruments or investments in more developed international markets. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended. The Fund invests in derivatives to gain exposure to U.S. Treasuries. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage. Derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. Interest rate risk is the risk that fixed income securities, and financial instruments related to fixed income securities, will decline in value because of an increase in interest rates and changes to other factors, such as perception of an issuer’s creditworthiness.

WisdomTree Efficient U.S. Plus International Equity Fund (NTSD) risk information: The Fund invests in equity securities of U.S. large-capitalization companies and in index futures contracts that provide exposure to international equity securities, and which are used to enhance the capital efficiency of the Fund. The Fund invests in a basket of equity securities of large capitalization U.S. companies generally weighted by market capitalization. The Fund expects to invest most of its assets in the securities of U.S. companies and is therefore, more likely to be impacted by events or conditions affecting the United States.

The Fund invests in derivatives to gain exposure to U.S. equity securities. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage. Derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. The Fund’s investments strategy is subject to risks related to rolling. The price of futures contracts further from expiration may be higher or lower, which can impact the Fund’s return.

Investments in non-U.S. securities, including depositary receipts, involve political, regulatory, and economic risks that may not be present in investments in U.S. Securities. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models, and the models may not perform as intended.

WisdomTree Inflation Plus Fund (WTIP) risk information: Inflation-protected U.S. Treasury Bonds (“TIPS”), can provide a hedge against inflation, as the inflation adjustment feature helps preserve the purchasing power of the investment. Because of this inflation adjustment feature, inflation protected bonds typically have lower yields than conventional fixed rate bonds and will likely decline in price during periods of deflation, which could result in losses. Fixed income securities are subject to interest rate, credit, inflation, and reinvestment risks. Generally, as interest rates rise, the value of fixed-income securities falls.

The value of commodities and commodity-linked derivative instruments typically is based upon the price movements in other asset classes. An active trading market may not exist for certain commodities. The Fund is subject to risks related to rolling futures contracts. The price of futures contracts further from expiration may be higher (“contango”) or lower (“backwardation”), which can impact the Fund’s returns. Because of the frequency with which the Fund expects to roll futures contracts, the impact of such contango or backwardation may be greater than the impact would be if the Fund experienced less portfolio turnover.

In addition, bitcoin exchange-traded products (ETPs) and bitcoin futures are relatively new and the markets may be less developed. They are subject to unique and substantial risks, and historically, have been subject to significant price volatility. As a result, the markets for bitcoin futures and bitcoin ETPs may be less developed, and at times, potentially less liquid and more volatile, than more established commodity futures and ETP markets. While the bitcoin futures market has grown substantially since bitcoin futures commenced trading, there can be no assurance that this growth will continue.

The Fund may invest in the WisdomTree Bitcoin Fund, a bitcoin exchange traded product, sponsored by an affiliate of the Fund’s adviser. The Fund will not invest in bitcoin directly.

WisdomTree Efficient Long/Short U.S. Equity Fund (WTLS) risk information: The Fund invests in a basket of equity securities of large capitalization U.S. companies generally weighted by market capitalization. The Fund expects to invest most of its assets in the securities of U.S. companies and is therefore, more likely to be impacted by events or conditions affecting the United States. The Fund invests in derivatives to gain exposure to U.S. equity securities. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage. Derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended.

WisdomTree Efficient TIPS Plus Gold Fund (GDT) risk information: The Fund invests in a basket of equity securities of large capitalization U.S. companies generally weighted by market capitalization. The Fund expects to invest most of its assets in the securities of U.S. companies and is therefore, more likely to be impacted by events or conditions affecting the United States. The Fund invests in derivatives to gain exposure to U.S. equity securities. The return on a derivative instrument may not correlate with the return of its underlying reference asset. The Fund’s use of derivatives will give rise to leverage. Derivatives can be volatile and may be less liquid than other securities. As a result, the value of an investment in the Fund may change quickly and without warning and you may lose money. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended.

WisdomTree Efficient Gold Plus Equity Strategy Fund (GDE) risk information: The Fund invests in a portfolio composed of Inflation-protected U.S. Treasury Bonds (“TIPS”) and U.S. listed gold futures contracts. The interest and principal payments of TIPS are adjusted for inflation and typically have lower yields than conventional fixed-rate bonds. The Fund’s income from TIPS may decline due to deflation or changes in inflation expectations. The value of gold and commodity-linked derivative instruments such as gold futures contracts typically is based upon the price movements of the physical commodity or an economic variable linked to such price movement. Price movements in gold and gold futures contracts may fluctuate quickly and dramatically, have a historically low correlation with the returns of the stock and bond markets. Derivatives are used by the Fund to gain exposure to inflation swaps and U.S. listed gold future contracts. Derivative investments can be volatile and may be less liquid than other investments. As a result, the value of an investment in the Fund may change quickly and without warning you may lose money. While the Fund is actively managed, the Fund’s investment process is heavily dependent on quantitative models and the models may not perform as intended.

WisdomTree Funds are distributed by Foreside Fund Services, LLC.

Andrew Okrongly is a registered representative of Foreside Fund Services, LLC

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Andrew Rosenberger, Head of Custom Indexing at Orion, describes how Tailored Allocation Portfolios are designed to bring more personalization into model-based portfolio management without adding unnecessary complexity for advisors. The idea builds on Orion’s custom indexing work, but applies that same optimization mindset to third-party strategist models, tax-sensitive transitions, and portfolios that need more than a one-size-fits-all implementation.

For advisors, the value is not just customization for its own sake. Rosenberger explains how Tailored Allocation Portfolios can help bring concentrated positions, legacy holdings, capital gains budgets, and tax-loss harvesting into a more coordinated plan. He also looks ahead to Orion’s work on unified managed household technology, where the same optimization framework could eventually help advisors manage decisions across taxable accounts, IRAs, Roth IRAs, and the full client household.

Resources: Orion

Tailored Allocation Portfolios are offered by Orion Portfolio Solutions, LLC, a registered investment advisor. The unaffiliated Strategists whose mutual funds or ETFs are utilized within the Tailored Allocation Portfolios pay us a fee in exchange for inclusion in the Tailored Allocation Portfolios program. 

The advisory fee that the advisor determines and the platform fee in addition to other fees that may be assessed by the custodian will still apply.​​​

Custom Indexing is an investment strategy wherein a portfolio is managed to mimic an index or other portfolio, while taking into account the tax position, holdings, and individual investing preferences of a client. The performance of a portfolio using custom indexing may vary significantly from the target index (referred to as tracking error or tracking difference), and this variance may increase with greater customization within a portfolio.

Tax-loss Harvesting is a process by which securities trading at unrealized losses are sold to realize a taxable loss. Proceeds from the sales are then used to reinvest in alternate securities to maintain market exposure. Tax-loss Harvesting can be used as a strategy to offset realized gains from other investments and/or carried forward to later calendar years to offset future taxable gains.

Wealth management services provided by Orion Portfolio Solutions, LLC (“OPS”), a registered investment advisor. Orion OCIO services provided by TownSquare Capital, LLC (“TSC”), a registered investment advisor. OPS and TSC are affiliates and wholly owned subsidiaries of Orion Advisor Solutions, Inc.

This information is general in nature and is not intended as tax advice. You should consult a tax professional as to how this applies to an individual tax situation. Nothing contained herein is intended to constitute accounting, legal, tax, security or investment advice, nor an opinion regarding the appropriateness of any investment, or solicitation of any type.

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Karl Roessner, CEO of Vestmark, makes the case that AI’s real promise in wealth management is not just faster workflows, but more time for the work advisors are actually built to do. From meeting prep and proposal generation to portfolio monitoring and client service, he sees agentic AI pushing firms toward a model where advisors can act more quickly, personalize more effectively, and spend less of the day buried in operational tasks.

But Roessner is clear that speed cannot come at the expense of trust. As custom models, tax-aware UMAs, alternatives, and new wealthtech tools reshape the advisor experience, he argues that the winning platforms will be the ones that simplify—not crowd—the advisor’s screen. For firms trying to keep up with the next wave of wealthtech, the challenge is choosing technology that can evolve quickly while still feeling stable, scalable, and built around client outcomes.

Resources: Vestmark

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Brian Howell, Director of Charitable Consulting at DAFgiving360, unpacks how donor-advised funds can move charitable giving from a year-end tax decision to a more deliberate part of long-term wealth planning. He walks through the core advantages of DAFs, from contributing appreciated and complex assets to investing for tax-free growth and building succession plans that can simplify charitable legacy decisions over time.

He also shares new DAFgiving360 research showing that DAF users tend to be more engaged, more recurring in their giving, and more connected to the causes they support. Howell makes the case that this creates a meaningful opening for advisors, not just in tax planning, but in helping clients tie philanthropy more closely to family legacy, major liquidity events, and broader financial strategy.

If you’d like to learn more about working with DAFgiving360 and the benefits to both you and your clients, review their online resources or request more information.

DAFgiving360 is the name used for the combined programs and services of Donor Advised Charitable Giving, Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code.

Contributions made to DAFgiving360 are considered an irrevocable gift and are not refundable. Once contributed, DAFgiving360 has exclusive legal control over the contributed assets. 

A donor’s ability to claim itemized deductions is subject to a variety of limitations depending on the donor’s specific tax situation.

Contributions of certain real estate, private equity, or other illiquid assets may be accepted via a charitable intermediary, with proceeds transferred to a donor-advised fund (DAF) account upon liquidation. Call DAFgiving360 for more information at 800-746-6216.

Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds.

DAFgiving360 does not provide legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate.

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Matt Kaufman, Global Head of ETFs at Calamos, breaks down the firm’s new Calamos Autocallable Growth ETF, CAGE, and the role it could play for investors looking to compound assets over time rather than generate current income. He frames the strategy as an extension of the firm’s autocallable lineup, using a laddered index of growth notes with annual observations and a “memory” feature that stores missed coupons for later, giving investors another way to pursue compounded growth over time.

Kaufman also walks through the mechanics advisors need to understand, including the fund’s 50% maturity barrier, weekly laddering, and the “pull to par” effect he says can help distinguish the strategy from a traditional equity allocation. While he notes that the ETF’s NAV can be volatile, he positions CAGE as a buy-and-hold vehicle for clients with at least a five-year horizon and contrasts it with leveraged ETFs that are built for a very different use case.

Resources: For more information about CAGE visit: www.calamos.com/CAGE.

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Danny Lohrfink, Co-Founder and Chief Product Officer at Wealth.com, sees a growing opportunity for advisors to play a more central role in their clients’ financial lives. As expectations rise for more coordinated guidance, he points to estate and tax planning as areas that are becoming more connected to the broader advice relationship rather than sitting off to the side as separate conversations.

A big part of that shift comes down to execution. For that broader advice model to work, firms need better ways to handle the technical work behind the scenes, so advisors can deliver a more complete experience without piling more manual burden onto the team. That means connecting estate and tax planning more closely, cutting down on disconnected workflows, and making it easier to move from analysis to client-ready advice.

Resources: Wealth.com

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Julie Sunwoo, President of DAFgiving360, outlines why donor-advised funds continue to gain momentum as a flexible, tax-efficient vehicle for charitable giving. By allowing contributions of appreciated assets, immediate tax benefits, and ongoing investment growth before grants are distributed, DAFs help maximize the total dollars ultimately reaching nonprofits. Increasingly, donors are using them not just for cash, but for complex assets—unlocking more value for charitable impact.

She emphasizes the critical role advisors play in this ecosystem, with the majority of DAF users working alongside financial professionals to manage and grow their charitable portfolios. Strong 2025 giving trends—including nearly $10 billion in grants and expanding participation across both donors and charities—highlight a broader shift: charitable giving is becoming more strategic, more accessible, and more integrated into overall financial planning.

If you’d like to learn more about working with DAFgiving360 and the benefits to both you and your clients, review their online resources or request more information.

DAFgiving360 is the name used for the combined programs and services of Donor Advised Charitable Giving, Inc., an independent nonprofit organization which has entered into service agreements with certain subsidiaries of The Charles Schwab Corporation. DAFgiving360 is a tax-exempt public charity as described in Sections 501(c)(3), 509(a)(1), and 170(b)(1)(A)(vi) of the Internal Revenue Code.  

Contributions made to DAFgiving360 are considered an irrevocable gift and are not refundable. Once contributed, DAFgiving360 has exclusive legal control over the contributed assets. 

A donor’s ability to claim itemized deductions is subject to a variety of limitations depending on the donor’s specific tax situation. 

Contributions of certain real estate, private equity, or other illiquid assets may be accepted via a charitable intermediary, with proceeds transferred to a donor-advised fund (DAF) account upon liquidation. Call DAFgiving360 for more information at 800-746-6216. 

Market fluctuations may cause the value of investment fund shares held in a donor-advised fund (DAF) account to be worth more or less than the value of the original contribution to the funds. 

DAFgiving360 does not provide legal or tax advice. Please consult a qualified legal or tax advisor where such advice is necessary or appropriate.

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Ryan VanGorder, CEO of Opto Investments, believes the private markets conversation is changing for advisors. Access may be broader than it once was, but his focus is on what comes next: helping fiduciaries determine where privates fit, evaluate them with more confidence, and bring greater transparency and alignment to the process. In his view, the real opportunity is not access alone, but making the space more workable and more understandable for the right clients.

He also points to AI and better data as key parts of that shift. Used thoughtfully, they can help advisors organize unstructured information, strengthen diligence, and build more confidence around private market decisions without replacing human judgment. The broader takeaway is a practical one: ask good questions, understand incentives, and take a disciplined approach to a market that is becoming more relevant across the industry.

Resources: Opto

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