WiserAdvisor Blog
12 Min Read
13 Aug 2025
The Complete Guide on Financial Planning for Couples
According to a recent survey of Certified Divorce Financial Analysts (CDFA) professionals, the top three reasons couples split up are basic incompatibility, infidelity, and, not surprisingly, money issues. In fact, financial disagreements account for around 22% of all divorces. Financial planning as a couple is a whole different ball game compared to managing money on […]
13 Min Read
05 Aug 2025
Deciding What to Do with Your 401(k) Plan When You Change Jobs
Changing jobs is often a moment of optimism and renewed purpose. New responsibilities. Better compensation. Maybe even a new city. But amid the excitement of offer letters and onboarding checklists, there’s one often-overlooked question that can quietly shape your retirement future: What happens to your 401(k) when you change jobs? You’ve spent years contributing, watching […]
11 Min Read
30 Jul 2025
How to Avoid Paying Too Much in Estate Tax
Planning your estate isn’t just for ultra-wealthy individuals anymore. With rising home values, growing retirement portfolios, and the sunset of generous federal exemptions on the horizon, more Americans are finding themselves on the edge of unexpected estate tax liability. If you’re a mid-level professional approaching retirement, especially with assets in the $3 to 10 million […]
10 Min Read
23 Jul 2025
How to Navigate the Tax Cuts and Jobs Act of 2017 (TCJA) in 2025 Amongst Uncertainly
When the Tax Cuts and Jobs Act (TCJA) was enacted in 2017, it brought a lot of changes to the U.S. tax code. It modified deductions and tax credits and changed depreciation rules and corporate tax rates. The corporate tax rate was slashed from 35% to 21%, and the lifetime estate and gift tax exemption […]
12 Min Read
22 Jul 2025
How to Rollover your 401(k) in 5 Easy Steps
Are you thinking about rolling over your 401(k)? People usually arrive at this conclusion if they have changed jobs or just want better control over their retirement funds. A 401(k) rollover refers to transferring money from one retirement account, such as an old employer’s 401(k), into a new 401(k) or an Individual Retirement Account (IRA). […]
11 Min Read
10 Jul 2025
Financial Advisor vs Self-Investing: Why Self-Investing May Not Always Be a Good Idea
If you are someone who loves a good Do It Yourself (DIY) challenge, whether it is fixing your own car or kitchen sink, you might think investing is just another task you can master on your own. And honestly, you are not entirely wrong. Self-investing, or DIY investing, is incredibly popular. Many people have managed […]
11 Min Read
08 Jul 2025
Things to Know If You Are Planning an Early Withdrawal from Your Roth IRA
Are you thinking about cashing in on your Roth Individual Retirement Account (IRA) early? Before you make the move, it is important to understand what you are really signing up for and how this one decision affects multiple things. First off, let’s clear up some confusion. There are several types of IRAs, such as Traditional, […]
10 Min Read
04 Jul 2025
What are the Tax Brackets and Federal Income Tax Rates for the 2025-2026 Tax Year?
Did you know that the Internal Revenue Service (IRS) adjusts 2025 tax brackets to account for inflation? Yes! The numbers you saw on your 2024 return probably will not be the same in 2025. These changes can affect how much tax you owe and whether you are eligible for certain tax credits or deductions. But […]
9 Min Read
02 Jul 2025
The Role of Financial Advisors in Managing Healthcare Expenses
Healthcare costs are rising at a pace that demands attention, particularly for individuals nearing retirement. In 2023, the United States’ National Health Expenditure (NHE) reached $4.9 trillion, equating to $14,570 per person, a 7.5% increase from the previous year. This upward trend is expected to continue, with PwC projecting an 8% annual rise in medical […]
15 Min Read
01 Jul 2025
Essential Steps to Creating a Comprehensive Estate Plan
Estate planning is not just for the wealthy; it is essential for anyone who wants to ensure their assets are managed and distributed according to their wishes. Whether you own an elaborate portfolio or a single family home, having a comprehensive plan in place can protect your legacy and provide peace of mind for your […]
14 Min Read
27 Jun 2025
Start Planning Your Retirement Early to Save Enough and Plan Better
Let’s be honest, retirement isn’t what it used to be. The traditional blueprint of working until 65, collecting a pension, and retiring feels outdated, especially for mid-level professionals who’ve started thinking early about what their ideal retirement should look like. With rising burnout, shifting priorities, and growing financial awareness, the idea of retiring at 60 […]
15 Min Read
26 Jun 2025
Planning for Retirement Means Planning for Healthcare Too
Most professionals approaching retirement know they need a plan. What many underestimate (often drastically) is the size of the piece of that plan that should be devoted to healthcare. Retirement is no longer just about 401(k)s and Social Security. It’s about protecting yourself from unpredictable, rising medical expenses that could quietly dismantle even the most […]
11 Min Read
24 Jun 2025
5 Ways to Protect Your Finances in 2025 from a Recession
You hear the word recession and might be reminded of the Great Recession from late 2007 to mid-2009. A recession is typically defined as a decline in the market and the economy, and while that sounds serious, and it is, there is no need to panic just yet. When it comes to the market, it […]
11 Min Read
18 Jun 2025
5 Best Long-Term Investment Strategies for 2025
“Good things come to those who wait.” Haven’t you heard that time and again? There is a reason some sayings stand the test of time and are used across the globe. Because they hold real value. In the world of investing, this could not be truer. Long-term investing is where you put your money to […]
11 Min Read
17 Jun 2025
Key Trends and Concerns for Investors in 2025
This is an interesting time for the world. New advancements, disruptions, and innovations are all around. Whether it is finance, technology, healthcare, entertainment, or even food, fresh trends are emerging across the board. As an investor, you can’t afford to ignore what is happening in the world around you. The shifts you are seeing today […]
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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.