our thinking

Insights & Perspectives from Commons Capital

Investment Management
May 2, 2026

Why We Don't Use Funds

When you "diversify" across mutual funds and ETFs, you're often paying twice for what you can get once. The structural argument for individual securities — and the $6.9 million it can mean.
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Commons University
January 1, 2026

The 7 Best Places to Find the Best Books for Investing for Beginners in 2026

Discover the top platforms for finding the best books for investing for beginners. Start building your financial knowledge with our curated list of resources.
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Private Wealth
December 31, 2025

How to Build Business Credit and Secure Better Financing

Learn how to build business credit with our expert guide. We cover actionable steps to separate finances, secure better loan terms, and protect your assets.
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Retirement Planning
December 30, 2025

How to Maximize Retirement Savings: Proven Strategies for Growth

how to maximize retirement savings with practical, real-world strategies for asset growth, tax efficiency, and long-term security.
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Private Wealth
December 29, 2025

How to Value Your Business: A Comprehensive Guide to Finding Its True Worth

Learn how to value your business with our comprehensive guide. We cover proven methods and expert tips to help you accurately determine your company's worth.
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Private Wealth
December 28, 2025

A Comprehensive Guide to Selling a Business: Tax Implications Explained

Understand the critical selling business tax implications. Learn how asset vs. stock sales, capital gains, and exit planning can maximize your net proceeds.
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Financial Planning
December 27, 2025

A Winning Game Plan: Wealth Management For Professional Athletes

Secure your future with expert wealth management for professional athletes. Learn key strategies for navigating short careers and complex financial challenges.
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Legacy Planning
December 26, 2025

What is a Crummey Trust? A Practical Guide to Estate Planning

Curious what is a crummey trust? This guide explains how it can simplify wealth transfer and estate planning, plus key rules, benefits, and steps.
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Investment Management
December 25, 2025

Investment Management Real Estate: A Strategic Guide

Explore investment management real estate strategies for durable, diversified portfolios, risk controls, and optimized returns.
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Financial Planning
December 24, 2025

Inheritance Tax 401k: A Practical Guide for Beneficiaries

Understand the inheritance tax 401k rules. Our guide explains the 10-year rule, state taxes, and key strategies for managing your inherited retirement account.
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Investment Management
December 23, 2025

UGMA vs UTMA: The Key Differences for Gifting to a Minor

Understand the critical difference between UGMA and UTMA accounts. Our guide details asset types, age of control, tax rules, and financial aid impact.
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Investment Management
December 22, 2025

Wealth Management Fees Comparison: A Guide for Smart Investors

Our wealth management fees comparison demystifies AUM, flat fees, and hidden costs. Learn to evaluate fee structures and choose the right fiduciary advisor.
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Investment Management
December 21, 2025

Concentrated Stock Position Strategies: 8 Smart Moves for HNW Investors

Discover concentrated stock position strategies to manage risk, rebalance, and protect wealth in high-net-worth portfolios.
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Legacy Planning
December 20, 2025

Do I Need a Trust? A Clear Guide to Protecting Your Assets and Family

Wondering 'do I need a trust'? This guide explains what trusts are, how they compare to wills, and when they are essential for your financial future.
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Private Wealth
December 19, 2025

Cash Flow Management for Small Business: A Practical Guide

Cash flow management for small business: Learn forecasting, accelerate payments, and build a cash reserve with practical, actionable tips.
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Legacy Planning
December 18, 2025

Irrevocable Trust Pros And Cons: Essential Estate Planning Guide

Explore irrevocable trust pros and cons from asset protection to tax planning. Find out when this trust suits your estate goals and how to avoid key pitfalls.
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Private Wealth
December 17, 2025

A Comprehensive Guide to Family Office Services for Lasting Wealth

Explore our guide to family office services, from investment strategy to legacy planning. Learn how the right partner can protect and grow your wealth.
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Investment Management
December 16, 2025

How to Diversify Investments Before a Recession

Learn how to diversify investments before a recession with actionable strategies for equities, bonds, and alternatives that protect your portfolio.
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Commons University
December 15, 2025

What Is the Shiller PE Ratio and How to Use It

Discover what is the Shiller PE ratio and how to use it to understand market valuations, forecast long-term returns, and make smarter investment decisions.
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Financial Planning
December 14, 2025

A Guide to Finding the Best 1031 Exchange Property

Master your 1031 exchange property strategy. This guide covers the essential rules, timelines, and pitfalls to help you defer taxes and grow your portfolio.
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Financial Planning
December 13, 2025

A Guide to Finance and Divorce for High Net Worth Individuals

Master the complexities of finance and divorce with our expert guide. Learn to protect your assets, navigate valuations, and plan for your financial future.
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Financial Planning
December 12, 2025

Your Guide to the Social Security Benefits Calculator

Unlock your retirement future with our guide to the Social Security benefits calculator. Learn how to accurately estimate payments and plan with confidence.
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Private Wealth
December 11, 2025

Navigating a Layoff: A Comprehensive Financial Guide for Executives

Facing a layoff? Discover smart financial strategies for severance, wealth management, and career transitions tailored for high-net-worth individuals.
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Legacy Planning
December 10, 2025

Executor of a Will Responsibilities: A Comprehensive Guide to Estate Administration

Feeling overwhelmed? This guide explains executor of a will responsibilities, from initial steps to final distribution, with a simple checklist and expert tips.
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Financial Planning
December 9, 2025

Maximizing Your Donation Tax Deduction: A Complete Guide

Unlock the benefits of your charitable giving. This guide explains the donation tax deduction, how to qualify, and strategies to maximize your tax savings.
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