Although we may not want to face it, we will all pass away at some point. Planning ahead clearly has its benefits: it is informative, provides peace of mind, and creates efficiency. You should take the time and effort to prepare yourself and your family for the inevitable From an estate planning perspective, this involves getting your financial affairs in order, establishing a plan for the ultimate distribution of your assets, and communicating your last wishes. Where to start? What's a will or a trust? Find out in this edition of The 10 Spot!

Bitcoin has become a mainstream topic, and ETFs have been launched to track the price. Are you familiar with crypto currency wallets and keys? Do you prefer cold or hot storage? Learn more in this edition of The 10 Spot!

Private Credit is a type of debt financing provided by non-bank lenders that is not issued or traded in an open market. For investors willing to lock up capital and commit for an extended period of time, Private Credit offers access to an asset class with appealing enhanced yield and downside mitigation. There are many types of Private Credit however... is one right for you? Find out on this edition of The 10 Spot!

Both single bonds and funds have their merits, with the balance between the two depending on an investor's goals, risk tolerance, and preferences. Individual bonds may be suitable for those seeking more control and predictable income, while bond funds may be preferred by investors looking for diversification and professional management. Which should you choose? Find out in this edition of The 10 Spot!

When you leave a job, you may be wondering what happens to the money you worked hard to save in that employer's retirement plan and what action, if any, needs to be taken. It isn't always clear where exactly it should be moved to next or if it should be left where it is. While there’s no right answer for everyone, it’s important to make sure you have a complete understanding of your options. So where to start? Find out in this slightly longer edition of The 10 Spot!

Hedge funds are seldom out of the public eye for long. Top managers can acquire an almost legendary status within the financial community—and the asset class as a whole is often grabbing headlines. For most of their history, hedge funds have been associated with ultrawealthy and institutional investors that had the scale and resources to source and monitor managers. That has been changing, as they have become easier to access by a wider group of investors. And the benefits of adding hedge funds to a portfolio can be considerable—with such funds potentially offering greater downside protection, alternative sources of return, and diversification. But what are they and what exactly do they do? Find out in this edition of The 10 Spot!

Bonds can be thought of as an “IOU” with a contractually defined series of cash flows which the issuer promises to pay in the defined currency. The terms of a bond cannot be changed after issuance, without the agreement of the bondholders. The principal amount, or par value of a bond is the face value on which interest is paid in the form of a coupon. In most cases, the principal value is equal to the redemption value, which is the amount that is paid back to the bondholder at maturity. Usually bonds are only available with a certain minimum denomination, i.e. a minimum principal value. The most common denomination for corporate bonds is $1,000 but the face value for government issued debt could vary. So what types of bonds are there? What types of credit risk should I be aware of? How liquid are bonds? Find out in this edition of The 10 Spot!

Investors can choose between market ‘tortoises’—plodding and often underrated businesses—or ‘hares’— fast-growing and occasionally flashy companies. In a nutshell, this is the distinction between ‘value’ and ‘growth’ stocks. These two broad classes of equities are frequently mentioned in financial commentary, especially at times of economic transition or structural change which can favor either market tortoises or hares. So, beyond the crude clichés, what are growth and value stocks? When does each class of stocks perform best? Should investors even attempt to pick a winner? And what does this mean for investors as they plan their portfolio strategies? Find out in this edition of The 10 Spot!