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.
8 min read
18 Sep 2025
5 Step Guide on Building Wealth
By the time you reach the midpoint of your career, the financial landscape changes. Instead of starting to save, the urgency is more about making your money work harder, faster, and more predictably. Retirement is now a visible point on the horizon, and thus, every decision now carries more weight as the margin for error […]
9 min read
17 Sep 2025
How to craft the perfect financial plan for short, medium and long term goals
Financial planning is not a singular decision; it’s a series of well-timed, interconnected moves. Each move serves a different purpose, yet all must align with one overarching objective: securing your future on your terms. Short, medium, and long-term financial goals are the scaffolding for that future. They dictate how you allocate resources, manage risk, and […]
10 min read
16 Sep 2025
Wealth Creation vs Wealth Preservation: What Matters Most as You Near Retirement
In your 30s and 40s, the financial conversation often revolves around maximizing returns, growing your portfolio, and building momentum. But by the time you reach your 50s and early 60s, a different question takes center stage: How do I protect what I’ve built? That’s where the distinction between wealth creation vs wealth preservation becomes strategic. […]
9 min read
15 Sep 2025
Portfolio Managers vs. Investment Advisors: How Do the Two Differ?
When it comes to building and handling a portfolio, it often feels like a two-person job. After all, your portfolio is more than just numbers. It is, in fact, the door to your future. It carries the potential to fund your dreams, protect you in times of uncertainty, and give you the freedom to reach […]
10 min read
05 Sep 2025
Everything You Need to Know About Balanced Funds
Convenience, thy name is mutual funds! Mutual funds have really simplified how the world invests. Gone are the days when building a portfolio meant spending hours handpicking individual stocks and bonds. You had to keep one eye on market news and another on price movements, while still finding time to decide when to buy or […]
8 min read
14 Aug 2025
The benefits of working with a Financial Advisor
The role of a financial advisor is clear. A financial advisor is someone who helps you manage your money, including how to grow and protect it. They offer services such as tax planning, retirement strategies, estate planning, budgeting, saving, investing, and debt management. However, you have probably encountered this textbook definition a dozen times. So, […]
11 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 […]
12 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 […]
10 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 […]
9 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 […]
10 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 […]
9 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 […]
8 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 […]
14 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 […]
10 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 […]
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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.