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  Business Management 
 Your business 
27 Understanding The Rule Of 40 % adding your growth rate and profit margin is a solid way to think about the mix between the growth and profitability of your business . By Steve Sanduski charitable giving 
29 What Would A Charity Do With A Quarter Horse ? donor-advised funds help philanthropists turn noncash assets into charitable donations . By Karen DeMasters Wealth Management 
 investing 
38 Alternatives To The 60 / 40 Portfolio the next 10 years are likely to be very different from the last 10 years . By Tony Davidow4143 Volatility Didn ’ t Kill Crypto . It Changed It . if anything , there are now more eyes on the world of digital assets after a massive drop in prices and a string of catastrophic failures . By Christopher Robbins 
 Why Advisors Don ’ t See A Soft Landing Just because inflation may have peaked doesn ’ t mean it ’ s gone . By Jennifer Lea Reed 
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  paul espinosa is the lead portfolio manager of the seafarer overseas value fund . 
 photographY courtesY of seafarer capital partners 
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  investing 
45 Collectibles Hold Promise As America Approaches 250 exquisite pieces are commanding top dollar . By Eric L . Reiner portfolio spotlight 
47 Finding Hidden Value In Emerging Markets the seafarer overseas value fund shows value and emerging markets aren ’ t mutually exclusive . By Jeff Schlegel risk management 
50 New Environs For Long-Term-Care Insurance the policies are getting re-evaluated by people in the post-covid age . By Ben Mattlin retirement 
53 The Problem With Legacy Planning when we say we ’ re passing on a legacy , we ’ re not always precise in what that means . By Robert Laura55 Answering Roth Conversion Questions In A Down Market here is a quick guide to client conversations about roth ira conversions . By Paul R . Samuelson parting shot 
60 10 Questions That Prompt Clients To Provide Referrals there is a special way to ask , “ who do you know ?” By Bryce Sanders |