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   Bank of America CEO Has an Intense Morning Routine
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   Plus: Relocation boom, tax savings, AI pressure. ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­
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                  <p style="font-weight: bold; font-size: 17px; margin-bottom: 6px; color: #111111;">
                   JUNE 26, 2026
                  </p>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   What's on deck today:
                  </p>
                  <ul style="margin-top: 0; margin-bottom: 0; padding-left: 22px; color: #333333;">
                   <li>
                    Bank of America's CEO shares his rigorous morning routine
                   </li>
                   <li>
                    Americans are relocating at record rates
                   </li>
                   <li>
                    This one tax move could save your company a lot of money
                   </li>
                   <li>
                    AI is putting pressure on this tech giant to adapt
                   </li>
                  </ul>
                  <hr style="border: 0; border-top: 1px solid #e0e0e0; margin: 18px 0;"/>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   Market snapshot:
                  </p>
                  <ul style="margin-top: 0; margin-bottom: 0; padding-left: 22px; color: #333333;">
                   <li>
                    S&amp;P 500
                    <span style="color: #008000;">
                     ▲ 0.14%
                    </span>
                   </li>
                   <li>
                    Dow Jones
                    <span style="color: #008000;">
                     ▲ 0.14%
                    </span>
                   </li>
                   <li>
                    NASDAQ
                    <span style="color: #cc0000;">
                     ▼ 0.48%
                    </span>
                   </li>
                  </ul>
                  <hr style="border: 0; border-top: 1px solid #e0e0e0; margin: 18px 0;"/>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   Launch Your Business Faster:
                  </p>
                  <p style="margin-top: 0; margin-bottom: 10px; color: #333333;">
                   Form your business with ease. We handle the paperwork, filings and compliance so you can focus on building and growing your vision.
                  </p>
                  <p style="margin-top: 0; margin-bottom: 0;">
                   <a data-hs-link-id="0" data-hs-link-id-v2="0+LEK35O" style="color:#0073e6; text-decoration:none; font-weight:bold" target="_blank">
                    Let’s launch →
                   </a>
                  </p>
                 </div>
                </div>
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                       <a data-hs-link-id="0" data-hs-link-id-v2="4NBGe3s6" rel="noopener" style="text-decoration:none; font-weight:bold; color:#000000" target="_blank">
                        Bank of America’s CEO Reads 5 Newspapers, Responds to Email and Works Out — All Before 7 a.m.
                       </a>
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                 <p style="line-height:150%">
                  <span style="font-weight: bold;">
                   Brian Moynihan doesn’t wait for the world to wake up.
                  </span>
                  The CEO of Bank of America, the second-largest bank in the United States by revenue, starts his day well before sunrise, cycling through five newspapers, clearing his email inbox and completing a workout, all before 7 a.m., he recently disclosed in an interview with
                  <a data-hs-link-id="0" data-hs-link-id-v2="EkbPyXNB" style="color:#2563eb" target="_blank">
                   NBC News
                  </a>
                  .
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  At 66 years old, and 16 years into his tenure as CEO, Moynihan credits one simple principle for his ability to stay on top of a sprawling business with over 212,000 employees: preparation.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  “I think the antidote to anything is preparation,” Moynihan
                  <a data-hs-link-id="0" data-hs-link-id-v2="fXWgPrVP" style="color:#2563eb" target="_blank">
                   told Fortune
                  </a>
                  last year. “I’m not a professional athlete, but you watch the great professional athletes and, when you watch them, what happens is, when times get tough, they slow the world down. And some do it by techniques. You can see the breathing techniques, but others just do it by just how they mentally focus, and I think so it’s the same [in] business.”
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  That mindset shows up in every corner of his day. By the time he arrives at Bank of America’s offices, Moynihan has already processed a morning’s worth of news, email and physical conditioning. He arrives ready to start his day,
                  <span style="font-weight: bold; background-color: #ffff04;">
                   and he expects his colleagues to show up the same way.
                  </span>
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                   Brookings Institution
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                  , as many as 95% of businesses are organized as pass-through entities. For some owners, that structure may still be the best fit. But for others, the combination of lower corporate tax rates and expanded Qualified Small Business Stock (QSBS) opportunities under the OBBBA could make a traditional C corporation worth a fresh look.
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                   A pass-through entity does not get taxed at the company level.
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                  <span style="font-family: Tahoma, sans-serif;">
                   Quick Hits
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                   <a data-hs-link-id="0" data-hs-link-id-v2="GaTrN4t9" rel="noopener" style="text-decoration:none; font-weight:normal; color:#000000" target="_blank">
                    → The
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                     2026 Forbes
                    </span>
                    World’s Most Influential CMOs List
                   </a>
                  </span>
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                   <a data-hs-link-id="0" data-hs-link-id-v2="gitYUZ5l" rel="noopener" style="text-decoration:none; font-weight:normal; color:#000000" target="_blank">
                    →
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                     Apple Just Raised Its Prices
                    </span>
                    on iPads, MacBooks. Here's Why.
                   </a>
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                    → AI Is Putting Pressure on
                    <span style="text-decoration: underline; color: #0600ff;">
                     This Tech Giant to Adapt
                    </span>
                   </a>
                  </span>
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                   <a data-hs-link-id="0" data-hs-link-id-v2="hgQXlAXh" rel="noopener" style="text-decoration:none; font-weight:normal; color:#000000" target="_blank">
                    → How Entrepreneurs
                    <span style="text-decoration: underline; color: #0600ff;">
                     Apply AI Speed Breakthroughs
                    </span>
                    to Cut Costs
                   </a>
                  </span>
                 </p>
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                        <span style="color: #000000;">
                         <span style="font-weight: bold;">
                          Ask these seven questions before you add AI to your product.
                         </span>
                         The pressure to add AI to your product is hard to ignore. But most bad AI features start with the wrong question. Here are some things to ask before you build:
                        </span>
                       </p>
                       <ol style="line-height:175%">
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Are you solving a real problem?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Is your UX actually the problem?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Does a better tool already exist?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Is AI accurate enough for this task?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Do the economics add up?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Will your users actually adopt it?
                          </span>
                         </p>
                        </li>
                        <li style="color: #020618; line-height: 1.33333; background-color: #ffffff;">
                         <p style="line-height:175%">
                          <span style="color: #000000;">
                           Will one mistake cost you more than this feature is worth?
                          </span>
                         </p>
                        </li>
                       </ol>
                       <p style="line-height:150%">
                        <a data-hs-link-id="0" data-hs-link-id-v2="spsGF3cW" rel="noopener" style="color:#2563eb" target="_blank">
                         Read a breakdown of each question here.
                        </a>
                       </p>
                      </div>
                     </div>
                    </div>
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