Americans Embrace Active Investing & Automation in 2025—Why That Matters for Your Money
Introduction This year marks a pivotal shift in how Americans manage their wealth. With growing uncertainty and complexity in markets, investors are turning to active strategies and automation—pairing calculated control with smart technology. Here’s how these trends are reshaping personal finance. Trend 1: The Rise of Active Investing A recent survey reveals that 62% of […]
U.S. Workers Show Rising Financial Stress, What That Means for You
Introduction In 2025, financial strain is becoming more prevalent among U.S. workers. A recent Bank of America survey shows that fewer employees feel financially secure and more are seeking help for debt and savings. For both consumers and advisors, this is a call to action. Survey Highlights: Rising Stress Among Workers Only 47% of full-time […]
Tariff-Driven Inflation & Cautious Consumers: What It Means for Your Wallet in Fall 2025
Introduction Inflation fuelled by tariffs, coupled with cautious hiring and spending trends, defines the financial atmosphere of Fall 2025. Key Insights The Fed’s Beige Book cites rising prices linked to tariffs and subdued hiring as key economic pressures. Consumer actions show resilience: spending remains strong, especially among higher-income groups who are saving, investing, and paying […]
FICO to Integrate Buy-Now-Pay-Later Data into Credit Scores: What Advisors & Consumers Need to Know
Introduction The rise of Buy-Now-Pay-Later (BNPL) loans has been meteoric—growing into a mainstream credit tool, especially among younger consumers. In a pivotal move, FICO announced that it will begin incorporating BNPL data into its credit scoring models in fall 2025. This shift opens new pathways for score improvement—but also introduces fresh challenges for borrowers and […]
Lebanon’s 2025 Banking Reform: What It Means for Credit, Depositors & Financial Advisors
Introduction In 2025, Lebanon took significant steps to address its prolonged financial crisis through sweeping banking reforms. These measures—ranging from deposit recovery mechanisms to flawed banking secrecy laws—stand to reshape credit access and financial stability. For consumers and financial advisors, understanding these changes is essential. What’s Unfolding: Key Reform Measures Lebanon’s government passed a 39-clause […]
Americans’ Credit Health Falters: Credit Scores Dip as Delinquencies Rise in Mid-2025
Introduction In 2025, signs of credit strain are emerging across the U.S.—with credit scores dipping and delinquencies rising across nearly all borrower segments. Even individuals with strong credit profiles are beginning to buckle under financial pressure. Understanding these shifting patterns can help you and your clients navigate today’s tougher credit environment. Key Credit Trends in […]
Young Americans Lead a Savings Surge: How Gen Z and Millennials Are Building Financial Security in 2025
Introduction In 2025, the narrative around younger Americans and their finances is changing. A recent survey shows Gen Z and Millennials are saving more than older generations, reshaping long-standing perceptions about their financial habits. This trend reflects a broader push towards financial resilience and smart planning among younger demographics. Key Findings: A New Savings Generation […]
Vantage Score 5.0 Debuts—What It Means for Consumers and Advisors in 2025
Introduction In April 2025, the credit industry saw a major shift with the launch of VantageScore 5.0. This innovative credit scoring model offers smarter analytics, greater fairness, and broader inclusion. For consumers and financial advisors, understanding this upgrade is key to navigating the new era of creditworthiness. What’s New in VantageScore 5.0 Unlike older models […]