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Insights from Griffin Black

Market wisdom and financial perspective for those who seek clarity. Read our latest analysis on wealth building, investment strategy, and planning for what matters most.
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  • Financial Planning, Taxes
7 min read

3 Tax Planning Opportunities Before December 31st

As 2025 draws to a close, investors face important decisions that could impact their tax situations and long-term financial plans. While financial planning is a year-round activity, many calendar deadlines for tax-related activities fall on December 31. For this reason, the final weeks of the year offer investors a chance to review their tax strategies and finalize any items that may impact their 2025 taxes.
Older woman in a blazer holds a stack of U.S. dollar bills and looks upward with a thoughtful expression against a mint green background.
  • Financial Planning, Investing
6 min read

Are Investors Holding Too Much Cash?

For long-term investors, a growing challenge today is how to manage cash as short-term interest rates fall. What appears safe actually comes with real costs beneath the surface, since holding too much cash can quietly undermine long-term financial goals. This comes at an important time, when some investors find themselves with “cash on the sidelines,” including a record $7.3 trillion held in money market funds.
Several gold bars and numerous gold coins scattered on a reflective surface with a dark background.
  • Current & Economic Events
5 min read

Perspectives on the Gold Rally and Dollar Debasement

As many asset classes have reached new peaks, gold has also climbed over 60% this year to above $4,300 per ounce. This rally has captured headlines and prompted many investors to wonder if it is different from past episodes.
A laptop displays a FAFSA login screen on a desk with a coffee cup, plant, paper clips, and a yellow keychain nearby.
  • College Planning, Financial Planning
2 min read

The Free Application for Federal Student Aid

The FAFSA is a critical part of the college application process. For the 2026-2027 school year, you can apply on October 1, 2025.
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  • Estate Planning, Financial Planning
6 min read

How the Great Wealth Transfer Creates Financial Planning Opportunities

For many investors, this wealth transfer represents both opportunity and responsibility. Whether you're preparing to leave assets to future generations or expecting to receive them, understanding how to navigate this transition thoughtfully can be the difference between preserving wealth and experiencing unintended outcomes that may not align with the original legacy goals. The key lies in embracing a more comprehensive approach to generational wealth transfers.
A hand holds a smartphone displaying an investing app with a portfolio value of $38,149.69, showing a green upward trend graph and blurred lights in the background.
  • Investing
6 min read

The Magnificent 7, AI, and Concentration Risk

The challenge facing investors today isn't whether artificial intelligence will transform the economy, but rather how to maintain portfolio balance as the market climbs to new all-time highs. While it’s tempting to focus exclusively on companies that have performed well recently, investing for long-term goals requires a thoughtful approach to both growth and risk management.
A last will and testament document on a table with a pen, a small house model, a pocket watch, and several hundred-dollar bills.
  • Estate Planning, Indian American
4 min read

Estate Planning Across Borders: Avoiding Costly U.S.–India Mistakes

For Indian families in the U.S., managing wealth across two countries can feel like navigating a maze blindfolded. With different laws, taxes, and inheritance rules, a simple act of passing on your assets can lead to unexpected tax bills and family disputes.
Floating currency symbols including dollar, euro, bitcoin, and yen are connected by white lines against a blurred gray background.
  • Current & Economic Events, Investing
6 min read

Bitcoin, Copper, Gold, and Silver: A Portfolio Perspective

One of the biggest challenges for investors is balancing long-term goals with short-term market moves. This is just as true when financial markets are rallying as when they are struggling. New trends in the stock market, cryptocurrencies, commodities, and other asset classes naturally capture investor and media attention. This can create pressure to react to daily headlines and even lead to a fear of missing out.
  • Financial Planning, My Money & Me
4 min read

The Power of Quiet Compounding: A Perspective for Tech Executives

You have a rewarding, challenging, stressful and life-juggling career. What you don’t have is a lot of time to think about transforming your substantial earnings into lasting wealth – wealth that will sustain you and support your family’s desired lifestyle for years to come. Perhaps you try to max out your 401(k) and also set aside at least some of your bonus or RSU income toward your long-term wealth goals. But it’s hard to know if you’re making any real progress. It’s hard to be sure that it’s enough.
  • Indian American
3 min read

Comparing Investment Management & Wealth Management

Over the past few weeks, I’ve been catching up with friends and acquaintances, introducing them to my new profession in the world of wealth management. To my surprise, I’ve realized that many people—even those with thriving careers and significant investments—are unclear about the difference between investment management and wealth management. Since this seems to be a common source of confusion, I thought it would be helpful to write about it, especially for Indian Americans managing cross-border financial lives.
  • Investing, My Money & Me
4 min read

Financial Literacy: How to Gain Confidence and Take Control of Your Future

Struggling with financial decisions? More than half of Americans lack basic financial literacy. Learn how to take control, avoid costly mistakes, and build a secure future with expert guidance from Griffin Black.
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  • Indian American
5 min read

Beyond the Classroom: Legal Issues and Travel Tips for F-1 Students from Ganesh Kalyanaraman, an Immigration Expert

Manish Thomare, a Griffin Black Associate Wealth Advisor interviews Ganesh Kalyanaraman - a trusted immigration attorney to provide tips regarding the US. This interview is part of our ongoing series to empower the Indian community with practical guidance on both wealth and immigration matters.

Griffin Black, LLC is an SEC registered investment adviser; registration does not imply skill or training. Content is for informational purposes only and is not investment, legal, tax, or accounting advice. No client relationship is created by viewing this site. Information is believed reliable but not guaranteed. Investing involves risk, including loss of principal; past performance does not guarantee future results. Any testimonials or ratings may not reflect all experiences and are not indicative of future outcomes. Additional information, including fees and services, is available in our Form ADV Part 2A.

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