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A close-up shot of multiple golden Bitcoin coins stacked on a dark, reflective surface. On the topmost Bitcoin coin, three small black cubes with white letters spell out 'E', 'T', and 'F', in that order. The cubes and coins show clear reflections on the surface below.

Bitcoin ETFs Now Hold More Bitcoin Than Satoshi. Are They Helping or Hindering Bitcoin?

U.S. spot Bitcoin (CRYPTO: BTC) exchange-traded funds (ETFs) currently hold approximately 1.3 million Bitcoin, outpacing the estimated 1.1 million coins believed to be owned by Bitcoin’s creator, Satoshi Nakamoto. These funds officially surpassed Satoshi’s…

Sam Daodu · 3 weeks ago The ETF Examiner

A dramatic low-angle shot of several tall, dark gray skyscrapers with numerous glowing yellow windows. Above the buildings, against a dark blue, cloudy sky, a large, glowing circular Bitcoin symbol emits a wide, bright white beam of light downwards, illuminating parts of the scene.

Wall Street’s Funds Now Hold More Bitcoin Than Satoshi. Did the ETFs Rescue Bitcoin or Capture It?

U.S. spot Bitcoin (CRYPTO: BTC) exchange-traded funds (ETFs) currently hold about 1.3 million Bitcoin, more than the estimated 1.1 million coins owned by Bitcoin’s mysterious creator, Satoshi Nakamoto. These Bitcoin ETFs began trading in…

Sam Daodu · 3 weeks ago The Crypto Desk

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Bond Yields Are Back Above 5%. “Tax-Free” Municipal Bond Interest Can Still Make More of Social Security Taxable

Municipal bond interest escapes federal income tax, but the IRS has a separate formula that pulls it back into Social Security calculations in a way most retirees never see coming.

Gerelyn Terzo · 3 weeks ago The Full Benefits Desk

Blocks form the expression Required Minimum Distributions (RMD).

Miss an RMD and the IRS Penalty Is 25%. File Form 5329 With a Two-Paragraph Letter and the Agency Has Waived It for Nearly Everyone Who Has Asked

The IRS has a 25% penalty waiting for anyone who misses a required minimum distribution, but tax specialists report an almost unbroken track record of that charge disappearing when retirees follow a specific two-step…

Vilma Rios · 3 weeks ago Tax Master

Three white square blocks spell out the red letters 'ETF' on a bright yellow background. Behind the blocks, a white, green, and orange candlestick stock chart shows a clear upward trend, indicating market growth.

3 Dividend Growth ETFs That Prioritize Rising Payouts Over Today’s Yield. One Returned 12.53% Over the Past Year, Another Just 5.40%

Three ETFs built around rising payouts instead of big yields have taken very different paths over the past year, and the reasons behind that gap reveal something important about how dividend growth investing actually…

Ryne Mauck · 3 weeks ago The ETF Examiner

A younger Asian woman with long brown hair, wearing a light blue blazer, sits at a wooden table, holding a pen and looking at an older Asian couple. The older man, with gray hair and a goatee, wears a blue collared shirt and a dark knitted vest, holding a white document and smiling. The older woman, with dark hair in a coiffed style and wearing a light gray cardigan and a pearl necklace, sits with her hands clasped, looking towards the advisor. A silver laptop is visible on the table to the right. The background shows a bright, modern interior with shelves and a potted plant.

He Pulled $80,000 Out of the House at 71 With a Reverse Mortgage So There’d Be No Monthly Payment. The Nursing Home’s Medicaid Office Counted Every Dollar of It, and the House It Came From Had Never Counted at All

Medicaid ignored the equity sitting inside his house for years, but the moment he moved that money into a bank account, the rules changed completely and his nursing home coverage was suddenly in jeopardy.

Gerelyn Terzo · 3 weeks ago The Full Benefits Desk

Three white square blocks spell out 'ETF' in bold red capital letters. Above the blocks, a black graphic shows a bar chart with increasing height from left to right, topped with an upward-pointing arrow indicating growth. The entire setup is on a vibrant yellow background.

Forget JEPI: BlackRock’s Income Fund Beat It by 11.89 Points Over the Past Year

JEPI built its reputation on reliable monthly cash, but a newer BlackRock rival has been quietly piling up gains that leave the covered-call giant looking sluggish. The catch is whether that gap holds when…

Ryne Mauck · 3 weeks ago The ETF Examiner

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Retirees Who Leave Florida for Good Will Say Health Care Was the Reason Nobody Talked About

Most retirees who leave Florida point to family ties or the heat, but a quieter force drives more departures than anyone tracks, and it tends to show up for the first time in a…

David Beren · 3 weeks ago Life After Work

An overhead shot of a cork board with multiple papers pinned to it. A yellow sticky note shows a hand-drawn bar chart labeled A, B, C, and an upward trend arrow. A blue sticky note prominently displays 'OPTIONS TRADING' in bold black letters. Another blue sticky note shows a hand-drawn horizontal bar chart with numbers 1 through 5 on the vertical axis. A larger printed document in the upper right features a multi-colored line graph with values ranging from 3,000 to 8,050, alongside colored rectangles showing dollar values like '2$', '-0,16$', '+04,12$', '-00,41$', and '+03,71$'. A lower printed document partially visible shows 'CT MANUFACTURING' and a pie chart with segments labeled 38% and 35%. The papers are held by yellow and blue thumbtacks.

JEPQ Trailed the Nasdaq-100 by $17,970 on $300,000 Over One Year. The Covered Calls Are Why

Putting $300,000 into a high-yield Nasdaq fund that pays monthly sounds like a retiree's dream, but the number your account statement never shows tells a very different story about what those monthly checks actually…

Ryne Mauck · 3 weeks ago The ETF Examiner

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NEAR Protocol Is Up 122% in a Month While Bitcoin Gained 8%. Can the Rally Last?

NEAR Protocol has rocketed past Bitcoin, Ethereum, and Solana over the past month, but the surge lacks any confirmed catalyst, and a massive overhang of underwater sellers from 2022 looms over the rally.

Sam Daodu · 3 weeks ago The Crypto Desk

A close-up shot of a white spiral-bound notepad resting on a dark brown wooden surface. The page displays a handwritten checklist with three items: 'Small-Cap Stock', 'Mid-Cap Stock', and 'Large-Cap Stock'. A red checkmark is drawn in the square checkbox next to 'Small-Cap Stock'. Part of a green succulent plant in a white pot is visible in the upper left background.

3 ETFs for the Companies Large-Cap Funds Leave Out. One Returned 18.03% Over the Past Year

Large-cap funds dominate most portfolios, but the thousands of smaller companies they ignore have quietly outperformed over the past year. Three ETFs carve up that overlooked market very differently, and choosing the wrong one…

Ryne Mauck · 3 weeks ago The ETF Examiner

A middle-aged woman with light brown hair sits at a light-colored desk, diligently writing on papers with a pen. Her right hand rests on a black calculator. To her left, the back of an open silver laptop is visible, and to her right, a light blue ceramic piggy bank sits on the desk. The background is a blurred, modern living room with soft lighting.

At 70, She’s Counting On the $90 Medicare Part B Rebate Hitting Her Account in October. Her Medicare Advantage Plan Is Exactly Why It Won’t

A $90 Medicare rebate lands in October, and millions of retirees are quietly checking whether their name is on the list. Three eligibility rules decide it, and one of them catches people who swear…

Gerelyn Terzo · 3 weeks ago The Full Benefits Desk

A silver Bitcoin coin rests on a black circuit board, with a prominent red jagged line, indicating a sharp downward trend, drawn across the coin and extending to the lower right corner. The overall image is dark and monochromatic with the stark red line as the main contrasting element, conveying a sense of decline.

10x Research Forecast Bitcoin Could Fall to $46,000, but What Really Happened?

Markus Thielen of 10x Research made two forecasts about a potential Bitcoin bottom during the summer of 2026, but Bitcoin (CRYPTO:BTC) never dipped to those levels. On June 24, he suggested that Bitcoin could…

Sam Daodu · 3 weeks ago The Crypto Desk

A close-up shot of a magnifying glass placed over a cream-colored document, clearly showing the bolded words "Municipal Bonds." To the left, part of a white calculator with blue buttons (labeled 'MR', 'M-', 'M+') is visible. To the right, a black and gold fountain pen rests on the document. In the blurred background, a financial ledger with columns of numbers is partially seen.

Morgan Stanley Wants to Convert Nearly $10 Billion in Municipal Mutual Funds Into ETFs. Shareholders Must Approve First

Morgan Stanley proposes converting eight Eaton Vance municipal bond mutual funds holding nearly $10 billion into ETFs. Here’s what changes for shareholders.

Ryne Mauck · 3 weeks ago The ETF Examiner

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Medicaid Said Her Last $14,000 Had to Go to the Nursing Home First. She Spent It the Same Week on a Crypt and Two Burial Spaces for Her Kids, and the State Couldn’t Touch a Dollar

When Medicaid gave her a spend-down deadline, she found a legal move most families never consider, and the state had no claim on a single dollar of what she spent.

Gerelyn Terzo · 3 weeks ago The Full Benefits Desk

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