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Fresh from the team

Duncan Williams market briefing cover titled Daily Market Summary for Friday, November 6, 2026, with a rising line chart.Article

Nov 6, 2026·2 min

Tech steadies after AI rout: Nasdaq bounces, S&P inches up, Dow lags as jobs beat cools recession fears

Stocks caught their breath after Thursday’s AI-driven plunge: the Nasdaq closed higher while the S&P 500 eked out a gain and the Dow slipped, with chipmakers leading a tentative rebound.

Person in a suit reviews financial charts at a desk with stacked coins, a nest egg, calculator, and calendar.Article

Nov 5, 2026·4 min

Coordinating Cash Flow and Employer Contribution Decisions Before Year-End

Year-end retirement plan contributions require coordination among finance, payroll, the plan administrator, and the CPA. Employers should confirm required commitments, compare clearly labeled estimates, assign responsibilities and dates, and keep records of the decision. A checklist can help organize the process before the year-end workload builds.

Duncan Williams asset management market briefing cover for Wednesday, November 4, 2026, with a rising yellow line chart.Article

Nov 4, 2026·2 min

Election clarity sparks a relief rally: stocks surge, yields ease, and policy risk reshapes the narrative

Wall Street rallied as midterm election clarity and Trump's acceptance of the results eased political risk. The Dow had its best day since 2025, while lower Treasury yields, softer services data, and moderate hiring supported a soft-landing narrative. Investors are watching payrolls and AI policy headlines for the next catalysts.

Wooden desk with a December 2026 calendar marking the 31st, a branded coffee mug, coin stacks, documents, a pen, and a calculator.Article

Nov 4, 2026·4 min

Profit-Sharing Contribution Deadlines: What to Review Before December 31

Year-end profit-sharing contributions don’t always require a December 31 decision. Review plan provisions, confirm tax and funding deadlines, request an estimate, document approval, and give your team time to complete year-end work.

Glowing AI chip with rising green stock graph beside an iPhone showing a falling red graph before a stock exchange buildingArticle

Nov 3, 2026·2 min

AI Rally Steadies Stocks as Apple’s Warning Weighs

U.S. stocks ended mixed, with the Nasdaq leading on a semiconductor rebound while Apple’s holiday margin guidance weighed on the Dow. Oil slipped on U.S.–Iran diplomacy headlines, yields were firmer earlier, and resilient JOLTS/factory orders data kept the slow-cooling narrative intact. Markets remained cautious ahead of midterm election results, with attention now on the vote count and Friday’s jobs report.

Large yellow text reading For Memphis above blue text saying Good News From Memphis on a dark carbon fiber background.Article

Nov 3, 2026·2 min

GOOD NEWS FROM MEMPHIS - GOOD NEWS FOR MEMPHIS 11/03/26

This edition of FOR MEMPHIS covers HICO America's 25th anniversary and its Memphis expansions, Grizzlies rookie Cam Boozer becoming the youngest forward in NBA history to record a triple-double, and Memphis hosting more than 550 arts funders for a national conference. Readers are encouraged to keep sharing the good news with their networks near and far.

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New Hope Christian Academy

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Palmer Home

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Indie Memphis

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Junior Achievement

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RMHC

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The Womens Foundation for a Greater Memphis

Planning the transition

Laptop showing a retirement plan portal next to a phone approving a sign-in, with a security checklist of best practices.

Two-Factor Authentication and Other Basics Every Plan Sponsor Should Confirm

This article explains practical cybersecurity safeguards for 401(k) plan sponsors, including multi-factor authentication, role-based access, secure file sharing, and social engineering awareness. It also covers recovery and offboarding processes, plus a five-step checklist to confirm plan-administration security basics.

5 min read

Man on phone beside laptop showing a security warning and a folder labeled 401(k) on a desk by a window.

What to Do If You Suspect a Data Breach Affecting Your Retirement Plan

When a retirement plan sponsor suspects a data breach, the first priority is a coordinated process rather than a rushed diagnosis. This guide covers verifying provider contacts, preserving evidence, limiting speculation in communications, and documenting lessons learned. A practical five-step response checklist and preparation tips round out the guidance.

5 min read

Two smiling colleagues review a retirement brochure at a laptop with a floating shield and padlock icon.

Building Cybersecurity Awareness into Your Employee Retirement Communications

This article explains how plan sponsors can add clear, neutral cybersecurity reminders to retirement-plan communications without shifting oversight to employees. It covers coordinating with providers, using plain language, avoiding guarantees, and documenting the communication process.

5 min read

Laptop with a glowing shield and padlock hovering above it beside a retirement plan binder and pen on a desk.

Protecting Participant Data: A Business Owner's Introduction to 401(k) Cybersecurity

Retirement plan data moves among sponsors, payroll providers, recordkeepers, and TPAs, so sponsors need practical oversight rather than technical expertise. This post covers data flows, shared provider responsibility, internal handling habits, repeatable reviews, and incident preparation. A five-step oversight process and provider questions help sponsors document and revisit cybersecurity governance.

5 min read

The Safe Harbor 401(k) Adoption Deadline: What Business Owners Should Know

The Safe Harbor 401(k) Adoption Deadline: What Business Owners Should Know

Safe harbor design often comes up as business owners plan for year-end testing and next-year administration.

7 min read

Coverage Testing Explained: Making Sure Your Plan Serves the Right Employees

Coverage Testing Explained: Making Sure Your Plan Serves the Right Employees

A retirement plan is built around eligibility and participation rules, but those rules also create a compliance-testing question: whether the plan is benefiting the employee groups it is designed to serve under applicable requirements.

7 min read

Protecting what you've built

Planning your legacy

Do You Really Need a Family Office? Key Questions for Modern Wealthy Families

Do You Really Need a Family Office? Key Questions for Modern Wealthy Families

As wealth grows in complexity, families must decide whether a family office framework can bring better coordination and clarity to their financial lives. This perspective from Duncan Williams Asset Management walks through how to assess your assets and family dynamics, define what functions you need, and choose among embedded, outsourced, hybrid, or single-family office models. It also emphasizes grounding the entire structure in a shared vision of purpose and legacy.

7 min read

Holiday Optimism and Market Reality: Navigating November’s Seasonal Strength with Discipline

Holiday Optimism and Market Reality: Navigating November’s Seasonal Strength with Discipline

November is often seen as a bright spot for the stock market. Increased holiday shopping and year-end moves by big investors tend to give the market a boost.

2 min read

Family Governance: Keeping Wealth Across Generations in Memphis and the Mid-South

Family Governance: Keeping Wealth Across Generations in Memphis and the Mid-South

Let’s talk about something close to home for so many Memphis and Mid-South families: how do you make sure your hard-earned wealth lasts—not just for your kids, but for generations?

3 min read

Graduation Season: Financial Planning for New Grads and Their Families

Graduation Season: Financial Planning for New Grads and Their Families

Graduation marks a significant milestone but also signals the start of new financial responsibilities.

5 min read

The Future of Work: Implications for Financial Planning

The Future of Work: Implications for Financial Planning

As we move through 2025, the world of work is undergoing rapid transformation, with significant implications for how individuals and families should approach financial planning.

4 min read

Turning Philanthropy into a Family Tradition: Engaging the Next Generation in Giving Back

Turning Philanthropy into a Family Tradition: Engaging the Next Generation in Giving Back

Why Family Philanthropy Matters

5 min read

Stewarding your mission

Big moments, steady hand

Paper bag of groceries with a long receipt, calculator, wallet, and coins on a wooden table before a glowing world map

Higher Prices, Tighter Budgets: How Inflation Is Hitting Home in 2026

The IMF projected 4.7% global inflation for 2026 as Middle East conflict pushed energy and food costs higher, widening the gap between wealthy and vulnerable nations. In the U.S., gas prices drove the squeeze, while Memphis faced hotter regional inflation, lagging wages, rising unemployment, and looming utility hikes. Food aid cuts pushed thousands of Shelby County families to the brink.

6 min read

Person reviews bills with a calculator at a table as a city skyline glows at sunrise through the window.

The Distance Between Growth and Getting By

The U.S. economy grew 3.4% in the third quarter, but consumer prices rose and inflation-adjusted earnings fell. Consumer sentiment remained weak, with high prices burdening households unevenly depending on stock ownership and savings. The article argues that growth becomes meaningful only when families have money left after bills.

4 min read

Duncan Williams Asset Management daily market summary cover for Thursday, October 29, 2026, with an upward trending chart.

Alphabet’s drop dents the tape, but under-the-surface breadth holds up

Alphabet’s disappointing quarter dragged Communication Services and the Nasdaq lower, even as most S&P 500 stocks rose. Leadership rotated into healthcare, financials and real estate, with Treasury yields easing and the dollar firm. Investors are watching whether AI spending narratives stabilize and whether rates allow market breadth to lead again.

2 min read

Stocks rebound as yields tumble despite hot wholesale inflation

Stocks rebound as yields tumble despite hot wholesale inflation

After a shaky, tech-led open, US equities finished higher as a late slide in Treasury yields steadied risk appetite: the Dow led, the S&P 500 eked out gains, and the Nasdaq hovered near flat.

2 min read

Hot CPI knocks tech as rate jitters return while oil stays firm

Hot CPI knocks tech as rate jitters return while oil stays firm

U.S. stocks finished lower with the Nasdaq leading losses after September inflation ran hotter than expected, reviving odds of another Fed hike and pressuring long‑duration tech.

2 min read

Keeping a Testing Calendar So Deadlines Don't Sneak Up on You

Keeping a Testing Calendar So Deadlines Don't Sneak Up on You

A testing calendar does not replace technical administration, but it can make a business owner’s compliance responsibilities more visible.

7 min read

Insights, on screen

Interviews, market commentary, and partner spotlights from the team.

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Don't navigate this alone.

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