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Winning numbers drawn in Wednesday’s Ohio Pick 3 Evening  San Francisco Chronicle
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Roughly half of financial advisors hold personal investments in cryptocurrency, though in general they continue to steer their clients away from the assets. 
Half of advisors say 5% or fewer of their clients hold any cryptocurrency. Of advisors with clients who hold crypto, about half say at least some have experienced notable losses. But 70%  say at least some have experienced notable gains.
Of the advisors who personally own crypto, their holdings are likely to be between $1,000 and $50,000.
Those were among the findings in Financial Planning’s September Financial Advisor Confidence Outlook (FACO), a survey of financial advisors and planners that measures confidence in the economy and other factors.

Most advisors report that crypto remains a relatively small slice of client portfolios. However, a minority of advisors note larger allocations among select clients.
Chris Diodato, founder of WELLth Financial Planning in Palm Beach Gardens, Florida, said in an interview outside the survey that up to 40% of his clients own some amount of crypto.
“If that percentage seems high, it’s probably because my client base is primarily the Financial Independence, Retire Early community and tilts younger,” he said.
READ MORE: How teaming with relatives gives advisors an edgeSimilarly, Ramiro Marmolejo, founder of Financial Rubrics in San Antonio, Texas, said in an interview that around 30% of his clients hold some positions in crypto. He said his approach to crypto is to present it as its own asset class.
“I emphasize to my clients that they should not consider it as a real currency,” he said. “I suggest they hold it as an aggressive growth asset.”
Marmolejo said he also suggests clients treat crypto as any other investment type and not be overweighted in it.
“If they consider how it best fits into their financial plan and continue to monitor, then they should be OK, regardless of what happens in that asset class,” he said.
Kevin Newbert, a financial advisor with Ausperity Private Wealth in Moorestown, New Jersey, estimated in an interview that fewer than 10% of his clients hold crypto.
“Our largest client segment is high-income millennials that are largely in tech, consumer packaged goods and health care who have a larger interest in the asset class,” he said.
At the opposite end of the spectrum from Diodato and Marmolejo is Vincent D’Eletto, an advisor and operating manager at Investment Insight Wealth Management in South Farmingdale, New York, who said in an interview that of the over 160 households at his firm, he is the only one holding crypto in his portfolio.
“The average age of our client roster is 66 years old, so crypto isn’t exactly suitable for most of them,” he said. “For our retiree-heavy client base, we prioritize planning, liquidity and risk management over speculative growth assets. For younger investors or founders with longer horizons, crypto may be an educational topic we discuss, but it’s not a default allocation in our portfolios.”

Crypto is a particularly volatile asset, as investors have learned. Advisors in the FACO survey reported a mix of outcomes, with some experiencing notable gains, while others suffered losses.
For many, results have been relatively modest or stable.
For his clients invested in crypto, Marmolejo said it’s a “mixed bag” for returns. He said at least three of his clients lost a substantial amount due to panicking-selling in 2022.
“However, the majority of my clients who hold positions are up,” he said. “My firm did not offer any crypto options until very recently. My clients whom I recommended and who bought these offerings are up.”
READ MORE: How advisors could use agentic AI to deepen client engagementThe losses have been particularly acute for Diodato’s client base, especially with early adopters who were buying NFTs and so-called memecoins back in 2020 and 2021.
“In many cases, these losses drove folks to focus their investments on the most ‘blue chip’ currencies, such as bitcoin and ethereum, which have both done well since,” he said.
Similarly, Newbert said his firm has seen situations where clients invested in alternative coins in an attempt to get rich quickly.
“This has led to some significant losses,” he said. “We have worked these into the overall plan to take profits from other concentrated positions to be proactive with the losses that were taken and actively communicate with the client’s accountant.”

Slightly more than half of the advisors in the FACO survey said they have personal investments in cryptocurrency. Those who do have crypto holdings range from modest stakes of less than $1,000 (14%) to more than $100,000 (4%).
Most began investing in crypto recently, but 4% reported they’ve been involved for 10 years or longer.
Diodato said he personally has around $10,000 invested in bitcoin ETFs. He said he started investing in crypto last summer.
“It’s enough to participate in potential upside but not enough to steer the performance of an entire portfolio,” he said. “Yep, I was late, but the story behind bitcoin is compelling to me, especially in a world where governments don’t seem to care about budget deficits.”
D’Eletto said he made his first crypto purchase in late 2017, and today his personal allocation is approximately $60,000.
“I’ve experienced significant volatility over the last four years, which tracks with crypto’s risk profile,” he said.
For clients holding crypto, about half have experienced notable losses. But 70% have experienced notable gains, the latest Financial Advisor Confidence Outlook found.
The events for prospective clients may sound old-fashioned or too sales-focused, but marketing experts and advisors explain how they can be powerful lead tools.
Merrill accuses industry rivals of conspiring with a group of former employees to remove confidential client information and trade secrets for the formation of a new RIA.
Firms are increasingly looking to provide high net worth clients with services stretching beyond basic wealth management. The offerings include everything from help with cybersecurity to taking out complicated loans.
Many express frustration with either real or perceived doubts about clients’ concerns, but experts say they’re missing an opportunity to address them up front.
JPMorgan credits Sieg for helping to oversee the absorption of First Republic Bank and drive the firm’s revenue and net new asset figures higher.
Business goals cannot always put clients’ best interests first. Here’s why even the executives leading fast-expanding advisory firms say the critics have a point.

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RDG Mining unlocks a new XRP cloud mining one-day contract (unlimited purchases) with a yield of up to 49.73%.  Muddy River News
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July 7, 2025 Gistlover Stella News 0
Former Nigerian senator, Shehu Sani, has taken to social media to send a word of advice to Tesla boss, Elon Musk.
Reacting to Musk’s recent clash with U.S. President Donald Trump, Sani urged the billionaire to leave American politics alone and instead reconnect with his South African roots.
Posting via his X handle on Monday, the former lawmaker advised Musk to focus on his businesses and not get carried away by the hype from political supporters.
This comes after Musk publicly criticised Trump’s policy proposals, sparking a heated exchange between the two powerful figures.
He said: “Elon should leave Trump and American politics, reconcile and reconnect with his South African roots. Elon should concentrate on his businesses and not get carried away by the cheering of supporters in the comments section.
“Most times when businessmen delve into deep politics, they end up being ruined. No matter how hard you try to make your adopted country your own country, you will someday be reminded that you don’t belong.”

Copyright © 2025 Gistlover Media. All Rights Reserved

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Bonneville County Sheriff’s Office shares roundabout safety tips for National Roundabout Week  Local News 8
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Seattle (2-1) will face off against their NFC West-rival, the Arizona Cardinals (2-1) in a matchup on Thursday, September 25, 2025 at State Farm Stadium. The betting information foretells a close game, with the Seahawks favored by 1.5 points. The over/under for the outing is 43.5 points.
The Cardinals’ most recent contest was against the San Francisco 49ers, and they lost by a score of 16-15.
Cards quarterback Kyler Murray was 22-for-35 for 159 yards, with one TD and no INTs, versus the 49ers.
Facing the New Orleans Saints in their last game, the Seahawks won 44-13.
NFL odds courtesy of BetMGM Sportsbook. Odds updated Wednesday at 8:59 p.m. ET. For a full list of sports betting odds, access USA TODAY Sports Betting Scores Odds Hub.
Our team of savvy editors independently handpicks all recommendations. If you purchase through our links, the USA Today Network may earn a commission. Prices were accurate at the time of publication but may change.
Gambling involves risk. Please only gamble with funds that you can comfortably afford to lose.  While we do our utmost to offer good advice and information we cannot be held responsible for any loss that may be incurred as a result of gambling.  We do our best to make sure all the information that we provide on this site is correct. However, from time to time mistakes will be made and we will not be held liable. Please check any stats or information if you are unsure how accurate they are. No guarantees are made with regards to results or financial gain. All forms of betting carry financial risk and it is up to the individual to make bets with or without the assistance of information provided on this site and we cannot be held responsible for any loss that may be incurred as a result of following the betting tips provided on this site.  Past performances do not guarantee success in the future and betting odds fluctuate from one minute to the next. The material contained on this site is intended to inform, entertain and educate the reader and in no way represents an inducement to gamble legally or illegally or any sort of professional advice.
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Today’s Bums Lottery Daily Combo Cards for December 15, 2024  Bitget
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The recent surge of the FTT token, a remnant of the now-fallen FTX exchange, serves as a stark reminder of how a single social media post can send prices soaring. This raises serious doubts about the long-term viability of cryptocurrencies as stable financial assets. It seems that being a public-facing crypto company is a double-edged sword; it can invite scrutiny and volatility at any moment. This begs the question: are cryptocurrencies truly suitable for widespread adoption by the average investor?
Markets are more than just numbers; they are also influenced by public sentiment and social media. This creates a complex ethical landscape for investors and companies in crypto. Meme-driven speculation can blur the lines between finance, politics, and social media. When tokens are linked to political figures or events, the ethical implications become even more pronounced. The crypto world is rife with meme coins, and many of them are highly susceptible to market manipulation. This raises serious ethical concerns, especially in the absence of transparency and regulatory clarity.
For crypto-friendly SMEs, especially in Europe, the current climate offers opportunities and challenges. While the rise of crypto may bring an influx of capital, it also carries risks. Companies can mitigate these risks by diversifying their crypto holdings and implementing effective risk management practices. After all, not all tokens are created equal. Those tied to real-world assets or institution-grade tokens might weather the storm better. Companies should also be prepared to comply with stringent regulatory requirements.
Investors often find themselves drawn to tokens lacking intrinsic value due to psychological factors like FOMO, herd mentality, and emotional responses. These elements can lead to impulsive decisions, especially in the face of market volatility. Understanding these psychological drivers can enhance decision-making skills and reduce the likelihood of rash trading behaviors.
Fintech startups have a unique opportunity to leverage insights into psychological factors to create tools that empower responsible trading. By designing features that help traders manage their emotional biases and promoting transparency and education, these startups can position themselves favorably in a rapidly changing landscape.

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Australia Unveils Crypto Fines in Proposed Rules for Industry  Bloomberg.com
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Analysts believe Ripple’s XRP could reach $5 by October, roughly a 75% gain from current levels, if adoption accelerates and regulatory clarity continues. The XRP price prediction is attractive, but many traders are also exploring newer presale tokens that could offer far higher multiples, and Layer Brett is leading the conversation as one of the most compelling high-upside plays.

Layer Brett is quickly gaining traction as a token that combines blockchain efficiency with viral community energy. Its Ethereum Layer 2 network can process 10,000 transactions per second at an average gas fee of only $0.001, enabling fast, low-cost transactions across DeFi platforms and everyday applications. This infrastructure positions Layer Brett as both a meme coin with punchy appeal and a functional token for serious blockchain activity.
The $0.0058 presale is creating intense FOMO. Staking rewards are over 650% APY, though rates are declining quickly as more participants join. A $1 million giveaway adds to the excitement, and the no-KYC model ensures decentralization and self-custody, attracting both retail and sophisticated traders. Layer Brett also supports a growing ecosystem, with early integrations in DeFi and NFT planned, showing the token’s potential for real-world utility beyond meme hype.
The combination of community buzz, technical advantages, and practical use cases has analysts projecting up to 65x upside if adoption, hype, and network activity continue to climb. This isn’t just speculation—Layer Brett’s rapid presale milestones demonstrate that demand is strong and growing, hinting that it could outpace many older meme coins during the next bull cycle.
XRP at $5 by October isn’t a flight of fantasy. But it will need things like regulatory clarity in the U.S., potential institutional inflows via ETFs, and broader adoption in international payments. XRP breaking resistance near $3.20 could unlock momentum for a rally toward the target. Macro conditions like low interest rates and steady investor sentiment will also be essential.
Despite optimism, there are multiple risk factors keeping some analysts cautious. XRP’s regulatory situation remains complex, with the SEC and other jurisdictions still scrutinizing aspects of Ripple’s operations. That uncertainty can create sudden volatility, and large holders could sell if the news swings negative. The token also faces competition from newer projects that combine meme culture with real utility, like Layer Brett, which is gaining attention for its Layer 2 speed, almost zero fees, and staking rewards.
Additionally, XRP’s circulating supply is high. While adoption is growing, it may not keep pace with investor expectations if other tokens capture attention. XRP’s tech and ecosystem improvements are incremental rather than disruptive, leaving it vulnerable to being outshone by coins that are faster, cheaper, and more friendly.
This is why some are hedging bets, keeping partial exposure to XRP while exploring high-upside presale opportunities like Layer Brett, which offers both a strong community narrative and practical use cases.

XRP price prediction may come true, and it could climb to $5, but Layer Brett combines viral energy with Ethereum Layer 2 efficiency. Its 10,000 TPS, $0.001 gas fees, and over 650% APY staking create a unique mix of hype and function. The presale is advancing quickly, and hesitation could mean missing out as rates drop and wallets fill.
Traders looking for high-upside opportunities should act now. Layer Brett’s presale offers a chance to secure allocation in a token blending speed, utility, and meme culture—all in one. Early participants could see life-changing returns if adoption surges and hype continues to escalate.
Discover More About Layer Brett ($LBRETT):
Presale: LayerBrett | Fast & Rewarding Layer 2 Blockchain
Telegram: View @layerbrett
X: Layer Brett (@LayerBrett) / X
Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.
Maisie is an experienced Crypto & Financial news journalist, having written for Moneycheck.com, Blockonomi.com, Computing.net and is Editor in Chief at Blockfresh.com
Analysts believe Ripple’s XRP could reach $5 by October, roughly a 75% gain from current…

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