Good morning.
You wake up, roll out of bed, and check your phone. You see that it’s the 3rd straight red day in a row for markets. You shake your head—but then you get up, make coffee, eat breakfast, and go to work like always. Because we aren’t interested in panic. We’re looking at the opportunities that the market is presenting.
Today:
Kraft Heinz is splitting in two
Three big IPOs coming up
Nestlé’s CEO just pulled an “Astronomer”
Silver takes 1st over gold?
And Forward Inheritance has created a way for your children to get their inheritance early and for you to keep your home (while no one pays gift taxes):
In partnership with Forward Inheritance
👨👩👦👦 Inheritance is broken. Forward has a fix.
A novel solution for both investors and families.
America is in the midst of an $84 trillion wealth transfer, but it’s bottlenecked.
Parents are living longer, sitting on home equity. Meanwhile, their kids are stuck renting, unable to build wealth of their own.
Forward Inheritance has reimagined how families pass on wealth, starting with the biggest asset of all — the home. 🏡
Their flagship product, called Forward Access, lets parents unlock a portion of their home value without debt, and transfer it to their kids via an intra-family loan — all tax-advantaged and retirement-safe.
Forward Inheritance has developed an incredible new concept: Kids get early access to their inheritance. Parents keep control of their home. And no one pays gift tax.
There are two ways to invest here:
🤝 Option 1: Invest in Forward Access deals directly
You can fund the home equity side of the business.
Think of this as a cross between real estate and a structured private credit deal
Targeting mid-to-low teens IRRs
No leverage, 25 bps servicing fee, no AUM fee
Downside protection even if home prices fall
Accredited investors only
💼 Option 2: Invest in Forward’s operating company
This is a classic startup play, backing a strong team building in a massive, underserved market.
Forward is raising capital to build a category-defining inheritance platform.
SAFE at a $10m valuation
Accredited investors only
Express interest
This is an extremely unique company addressing a massive generational problem.
If you're interested in investing, either on the private credit side or the startup side, express interest here:
Please support our partners!
📰 Market Headlines
US stock futures are down so far today after Labor Day weekend:
S&P 500 contracts are down 0.8% and Nasdaq 100 contracts are down 1%.
Kraft Heinz announced that it’s splitting into two companies, undoing their historic merger from 10 years ago. Similar to Warner Bros. Discovery’s split earlier this year, the separation is intended to be an upgrade for both companies, enabling leadership to “allocate the right level of attention and resources to unlock the potential of each brand to drive better performance and the creation of long-term shareholder value,” according to Miguel Patricio, executive chair of the board for Kraft Heinz.
There are three big IPOs on the horizon. If you want to secure shares, be sure to put in your requests ASAP once applications are available through your brokerage app. Always do your own research and invest at your own risk.
2nd week of Sep: Crypto exchange Gemini, backed by the Winklevoss twins, targeting a $2.22 billion raise (twice that of rival Bullish)
Sometime in Sep: Swedish fintech company Klarna, aiming for a $14 billion raise
Date unknown: Black Rock Coffee Bar from Arizona, looking to raise $860.7 million
Nestlé fired CEO Laurent Freixe after one year for failing to disclose a relationship with a subordinate.
Veteran insider Philipp Navratil, head of Nespresso, was named his successor. Shares have already dropped 17% over the past year, lagging rivals.
Robinhood and FanDuel are testing a regulatory gray area with “event contracts” that blur the line between sports betting and trading. Robinhood has already sued regulators in Nevada and New Jersey to block interference.
Silver broke above $40 an ounce for the first time since 2011, while gold crept closer to its record high. Traders are piling in as odds of a Fed rate cut this month grow.
Spirit Airlines filed for bankruptcy for the second time this year. The stock dropped 49% in pre-market trading.
Interested traders may consider shorting the stock (short interest sits at 34.66% currently) or looking for a lower entry to catch a bounce back up—but trade with caution. These kinds of drops are always unpredictable.
😱 Fear and Greed Index
We’re expecting this number to slide down today as markets open—there’s a lot of fear in the news currently.
🪙 Crypto
Despite price drops, crypto investment products saw $2.48 billion in weekly inflows, with Ethereum funds grabbing $1.4 billion versus Bitcoin's $748 million.
President Trump's WLFI token launched on Binance, marking its shift from non-transferable presale to full tradability.
Japan's Metaplanet bought another 1,009 BTC for $112 million, bringing its total stash to 20,000 coins and making it the sixth largest public corporate Bitcoin holder.
Solana and XRP funds attracted $177 million and $134 million, respectively, driven by ETF optimism despite broader market weakness.
🤫 Insider Trading
🪙 Alternative Investment of the Day: Silver
Silver 45-Year Cup & Handle 📈📈📈
— #Barchart (#@Barchart)
6:26 PM • Aug 30, 2025
Silver and gold have both had spectacular runs over the past three years. Both precious metals are up over 100% since 2022:
Chart: Bloomberg
The narrative for investing in silver is as follows:
Silver and gold prices could rise significantly if the fed starts cutting rates
Unlike gold, silver has real industrial uses (and therefore demand)
Silver is also cheaper than gold, so it’s easier to obtain
Warren Buffett has invested in silver but isn’t interested in gold (he doesn’t own gold, but bought 3,500 tons of silver in 1997).
Always do your own research!
🚚 Market Movers
Tesla Model Y recall in Australia hit 7,301 vehicles after a software fault was found that could cause the driver’s window to close with excessive force, creating a risk of injury.
Credit bureau TransUnion suffered a breach exposing data from 4.4 million customers, including names and Social Security numbers. The incident came from a third-party application, not its core credit database.
Salesforce cut 4,000 roles in its support division as AI agents replaced staff, shrinking the team from 9,000 to 5,000.
🎙 What Do You Think?
How do you think markets will do this September?
🎤️ What you said last time
“Can’t believe it’s goodbye to summer already. Taking today to relax and be with family outside. Also, making a plan to look at ways to create a new revenue stream that is close to launch.”
Doron Kempel, who sold his last two startups for a combined ~$900 million, is back with Bond, an AI-powered personal security platform already used by Apple and Disney. The company is offering a limited crowdfunding slice while preparing to go public →
🧠 The Missing (Market) Links
An investment analysis of a cryptocurrency name we haven’t heard in a while: Polkadot.
A millionaire coach says if you can’t handle a 15-year mortgage, you’re buying too much house. Here’s why.
A two-time founder says “toxic grit” almost killed her. Her fix? Work in bursts, then force herself to stop.
The hidden cost of homeownership: repairs averaging $8,808 a year. One broken furnace and you’re in credit card debt.
📜 Quote of the Day
“Courage taught me no matter how bad a crisis gets ... any sound investment will eventually pay off.”
📢 We want to hear from you
We love hearing from you, and we deeply appreciate your feedback.
⭐️ What did you think of today's edition?
That’s all for today. Did we miss anything? Smash the reply button to let me know.
Cheers,
Brandon & Blake of Invested Inc
Thumbnail image: Maurizio Pesce, Flickr
The information provided in Stocks & Income is for informational and educational purposes only and should not be construed as financial advice, investment advice, or a recommendation to buy or sell any securities. Stocks & Income is not a registered investment advisor, broker-dealer, or licensed financial planner. Always do your own research and consult with a licensed financial advisor before making any investment decisions. We may hold positions in or receive compensation from the companies or products mentioned. Disclosures will be made where applicable.