WiserAdvisor Blog
10 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 […]
9 Min Read
02 Sep 2024
Why Trust is the Most Important Asset of a Financial Advisor
Trust is fundamental when you plan to assign a professional to manage your money and provide you with financial advice. Without trust, you will not be able to rely on them or feel confident in their financial recommendations. Therefore, you must seek out the most trusted advisor to accompany you on your financial journey. This […]
11 Min Read
22 Aug 2024
Saving vs. Investing: How They Differ and Which is Better for You
When it comes to personal finance, saving and investing are fundamental concepts that often get mixed up. While both play crucial roles in achieving various financial goals, they serve different purposes and involve different strategies. It is essential to know the distinct characteristics of saving and investing to effectively manage your finances and determine which […]
10 Min Read
16 Aug 2024
Why Retirees Should Not Stop Investing During Retirement
The rules may seem unclear when it comes to investing after retirement. As your risk appetite drops and you stop drawing a monthly salary, you may wonder if you should use your savings to invest more or stop investing altogether. Factors like inflation and the inability to cover basic needs on a limited nest egg […]
11 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, […]
10 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 […]
9 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 […]
10 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 […]
11 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 […]
10 Min Read
28 Jun 2024
Double Your Money by Investing Long Term
The world of investing may seem daunting, and many may be in a hurry to earn returns from their investments. However, sticking to the basics is key, and keeping a long-term vision can be advantageous. Incorporating a long-term perspective can transform your financial future and has a very high probability of doubling your capital with […]
8 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 […]
10 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 […]
11 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 […]
10 Min Read
23 May 2024
How to Approach New Investments When Markets Are High
Having a well-defined investment strategy is crucial during periods of market volatility. Market volatility can be concerning, especially for those new to the world of investments and lacking experience in navigating turbulent markets. While buying low is a well-known strategy, knowing what to do when the market is high is equally important but often overlooked. A financial advisor can provide assistance […]
10 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 […]
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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.