Your Money

At PWM, we are big believers in the diversification benefits that private markets can bring to long-term investors. Private credit, private real estate, infrastructure, and private equity can offer steady cash flows, inflation protection, and opportunities unavailable in public markets. When chosen well, they can add resilience and income to a long-term plan.

But choosing well requires discipline. This article reports on Willow Wealth (formerly Yieldstreet) and shows what happens when private investing is built on big promises rather than strong underwriting. Weak structures and limited transparency turned attractive pitches into real losses for investors.

This is exactly why PWM keeps “too good to be true” out of your portfolio. We partner with a leading global, institutional-grade research firm for due diligence. Every private-market opportunity is subjected to a strict underwriting and risk review designed to uncover issues that marketing materials tend to gloss over. Only a small fraction meet the standards needed to be considered for client portfolios.

Private markets can be a powerful addition to long-term planning, but only when the hard work is done upfront. The Willow Wealth story is a reminder that disciplined selection, not headline yields, is what protects investors and sets them up to create lasting value.

Yieldstreet, now Willow Wealth, racks up more losses for investors
by Emile Hallez

Your Life

A new study found that taking just one week away from social media led to meaningful improvements in well-being. Young adults who reduced their use saw lower symptoms of anxiety, depression, and insomnia. While the research focused on people in their early twenties, the takeaway is broader. Many of the stressors tied to constant scrolling affect all ages, and a short, intentional break can offer a quick reset without needing a major lifestyle overhaul.

Study Finds Mental Health Benefit to One-Week Social Media Break
by Ellen Barry

Complexity Simplified

Holiday shopping can feel overwhelming, especially when you’re trying to find the right gift at the right price. New AI tools are turning that big task into something far simpler. Instead of scrolling through endless pages, you can describe what you need and let the tool compare options, track prices, surface deals, and suggest alternatives when items are out of stock. The real benefit is time saved. With a few thoughtful prompts, a complicated shopping list becomes a quick, guided routine… and one less thing on your plate this season.

Want to Shop With AI? Here’s How to Start
by Natasha Khan

Trivia