Author: WiserAdvisor Insights
A team of dedicated writers, editors and finance specialists sharing their insights, expertise and industry knowledge to help individuals live their best financial life and reach their personal financial goals. We believe that there is no place for fear in anyone's financial future and that each individual should have easy access to credible financial advice.
10 min read
30 Sep 2024
Financial Advisors for Military Personnel
The reasons for joining the armed forces may vary. From the need for adventure to patriotism, the army offers it all. While jobs in the military are like no other, the financial needs of service members and veterans are more or less similar to those of civilians. Life in the military can be unpredictable. So, […]
5 min read
27 Sep 2024
5 Things Wealthy People Do to Stay Rich
Wealth maintenance goes beyond just earning a high income. It involves a strategic approach to managing, preserving, and growing assets over time. High-net-worth individuals understand that accumulating wealth is only part of the equation; the real challenge lies in sustaining and increasing it. To achieve this, they follow a set of disciplined financial practices that […]
8 min read
19 Sep 2024
Common Assumptions That May Negatively Impact Your Retirement Plan
Planning for retirement is one of the most critical financial decisions a person can make, yet it’s often riddled with assumptions that can be dangerously misleading. People tend to approach retirement planning based on general advice or outdated beliefs. Some common misconceptions include they’ll spend less in retirement or that Social Security will cover most […]
10 min read
10 Sep 2024
Is Your Portfolio Primed for the 2024 Elections?
The stock market reacts to many external factors, with politics being a major one. Presidential elections, in particular, can have a wide-reaching impact on the market and, in turn, your investment portfolio. Historically, the S&P 500 has averaged a 7% gain during U.S. presidential election years since 1952. There have been 18 presidential elections in […]
9 min read
09 Sep 2024
How to Secure a Comfortable Retirement Without a Pension Through Proper Planning
Defined-benefit plans, often referred to as pension plans, are retirement benefits provided by employers. These benefits are typically calculated using factors such as the number of years you have worked for the employer, your salary, and other similar criteria. While these plans are most commonly offered to state and local government employees, some private-sector workers […]
10 min read
09 Aug 2024
529 Plan Rule Changes for 2024 and Their Impact on Your Retirement Planning
The 529 plan is a popular investment vehicle designed for individuals, including parents, grandparents, and others, to save for educational expenses. This tax-advantaged account allows for tax-deferred growth and tax-free withdrawals when used for qualified education costs, such as tuition and other related expenses. Sponsored and run by 50 states and the District of Columbia, […]
9 min read
02 Aug 2024
How to Transfer Excess 529 Plan Funds to Roth IRAs
The 529 plan is a popular choice for saving for education expenses. Parents and grandparents can use this to support their children’s educational aspirations. These tax-advantaged accounts make it easier to save for future educational costs. However, the future is uncertain, and there is no guarantee that your child will attend the college you planned […]
8 min read
01 Aug 2024
9 Steps to Take If You Are Uncertain About Your Investments
Investing can often feel like navigating a stormy sea, especially during volatile markets. Many investors experience feelings of uncertainty and anxiety about their financial futures. This anxiety often leads to panic selling or rushed decisions which compromize investment returns. Even when markets are stable, a lack of proper understanding of the market or the absence […]
9 min read
22 Jul 2024
5 Signs You Need Professional Advice from a Financial Advisor
Nearly 57% of people in the US do not have a financial advisor. Working without professional financial guidance can expose you to significant risks. Hiring a financial advisor is essential unless you have the professional expertise to manage your money effectively. If you are unsure whether you need one, it is crucial to recognize the […]
10 min read
01 Jul 2024
How to Build Retirement Savings if You Have Just Turned 40
Saving early for retirement has several advantages, but it is not always possible for everyone. Many people begin their careers later in life and may struggle to secure stable incomes in their early years, making it challenging to contribute to a retirement fund. According to data, the median 401(k) balance for Americans aged 40 to […]
7 min read
12 Jun 2024
The Right Time to Start Making an Estate Plan
Estate planning is an essential part of securing your financial future that ensures your assets are distributed according to your wishes. Many regard it as a mere legal formality but it is more than just that. Estate planning allows you to leave your assets to your loved ones in a way that is hassle-free for […]
9 min read
10 Jun 2024
4 Ways Financial Advisors Can Help with Debt Management
A financial advisor is pivotal in helping you accomplish your financial goals. However, their role extends beyond just helping you achieve financial gains. They also assist in eliminating financial burdens. While it is essential to focus on acquiring assets, such as buying a house and accumulating wealth, it is equally crucial to address aspects that […]
10 min read
30 May 2024
How To Evaluate a Financial Advisor
There are several benefits to hiring a financial advisor. However, you must hire a suitable advisor to reap these benefits fully. There are many options available based on the type of services these professionals provide, their fee models, working preferences, location, and more. Yet, even after selecting the best professional, if your financial advisor does not work for you, your […]
9 min read
22 May 2024
5 Ways to Improve Your Financial Well-being
Financial wellness is essential for numerous aspects of your life, including education, housing, healthcare, and more. When your finances are stable, you have little to worry about and can focus on other important areas of life. If you notice your financial health faltering, it is crucial to address it promptly and treat it with the […]
10 min read
15 May 2024
How Do Retired Millionaires Maintain Their Wealth?
Making money is crucial, but knowing how to sustain and grow that wealth is equally important. Without careful management, your wealth can vanish sooner than expected. Creating and maintaining wealth is an ongoing journey that requires diligence in spending, investing, and earning. Learning some millionaires’ investment secrets and strategies can provide you with valuable insights into effective […]
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The blog articles on this website are provided for general educational and informational purposes only, and no content included is intended to be used as financial or legal advice. A professional financial advisor should be consulted prior to making any investment decisions. Each person’s financial situation is unique, and your advisor would be able to provide you with the financial information and advice related to your financial situation.