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.
5 min read
31 Dec 2019
5 Misconceptions About Financial Planning that You Must Steer Clear Of
People have a lot of misconceptions when it comes to the world of financial planning. While some assume that they don’t need a financial planner, others feel that their income is not enough to even warrant some form of financial planning. Whatever the case may be, there is no doubt that numerous misunderstandings endure. Such […]
4 min read
30 Dec 2019
Pension Plans: Fancy Projections, Dangerous Outcomes
Over the years, many Americans have come to believe that a pension plan is a gold standard when it comes to retirement benefits. However, this may not be the case always, especially in today’s political environment. Earlier, the Washington Post reported that the current Republican administration under President Donald Trump is considering to reform the […]
5 min read
27 Dec 2019
The Concept of Safety-First Retirement Planning
Safety delineates all aspects of life and hence, should be carefully reflected upon in your financial plans as well. Same is the case with the safety-first retirement planning. The approach is driven towards safeguarding your financial and economic life before considering post-retirement luxuries like travel, etc. In other words, it focuses on the essentials. Let’s […]
4 min read
26 Dec 2019
Dealing With Uncertainty While Planning For Retirement
Uncertainty is an inevitable part of life and quite prevalent in retirement planning as well. Since life after retirement is in some ways, dependent on your past investments, the market condition and volatility can largely impact your decisions. There are many things that you cannot predict beforehand and no amount of planning can guarantee a […]
5 min read
25 Dec 2019
Why Are Dividend-Paying Schemes Better Investment Options?
Investing in different instruments for growing one’s wealth or for the intent of building a passive income, has become an integral part of financial planning. However, efficient money management is as important as investing itself. Choosing the right investment option at the right time is the need of the hour, but so is using the […]
4 min read
24 Dec 2019
Potential Conflicts Within the Investment Industry
The investment industry in America has always been riddled by conflicts. Traditionally, these conflicts were of a simpler nature, out there in the open for everyone to see. As such, it wasn’t very difficult to spot and avoid them. In this day and age, it’s a different story altogether. Factors like globalization and a massive […]
5 min read
12 Dec 2019
All You Need To Know About Registered Education Savings Plan (RESP)
The definition of education planning has undergone different transformations in the last few decades. Its modern concept has attracted various disciples from different aspects of our life. Today, education planning entails a variety of savings plans that secure a child’s future with varied resources. Registered Education Savings Plan or RESP is one such distinguished proposal […]
5 min read
11 Dec 2019
Here’s Why Retirees Must Protect Themselves from Inflation
If you recall your childhood, you will realize how a couple of dollars of pocket money had a greater purchasing power back then than it has now. The cost of living has been increasing steeply over the years, with an average of around 3% every year in the last few decades. This may appear to […]
4 min read
10 Dec 2019
A New Look at Stretch IRAs
An IRA – or an Independent Retirement Account – is an assuring way to save money through tax-deferred earnings. Depending on the plan you chose, an IRA can help you get a step closer to your intended savings strategy for retirement. Out of the many ways in which IRAs help us save money, the most […]
5 min read
09 Dec 2019
College Funds and Asset Allocation
Retirement desires are nourished by good planning. The more you delay the planning process, the more unfavourable the outcomes turn out to be. Planning includes tax saving, availing social security benefits, opening an IRA, asset allocation, and saving for college funds. While getting on the road as early as you can, is important, it is […]
5 min read
06 Dec 2019
Common Myths About 529 Savings Plans
Did you know that better education planning can increase the contributions for retirement savings? Starting the process of education planning is fairly simple. But as we progress, we tend to face certain obstructions and constraints that delay our objective timelines. Very often, systematic planning and awareness of the right methods of saving can help overcome […]
4 min read
05 Dec 2019
When Investing, Use Time to Your Advantage
Most of us understand that an investment is a process of investing money in order to earn a profit. Usually, we make the mistake of relegating all our investments towards the later part of our adult lives – mostly after the age of 30 when we are well-settled in our careers and happily married. However, […]
4 min read
01 Dec 2019
How much will you need to retire?
Strategic planning, intellectual investing, and considerable savings give way to a happy retirement. When you leave your job, you are free to create your own schedule. You also gain the liberty to pursue your interests without having to worry about missing office and losing out on a salary. This is only possible if you ensure […]
5 min read
28 Nov 2019
How to make major financial decisions in life?
Money is an integral part of our lives and all of us are required to make decisions regarding it on a daily basis. Every day, we are faced with the choice of either spending our money for immediate gratification or saving it for eventual gain in the future. Our ancestors in the past would have […]
5 min read
25 Nov 2019
Assets in Joint Ownership: Could This Be A Problem?
It isn’t uncommon for people to set up their bank accounts, properties or various other assets in a manner where they have joint ownership with someone – either a spouse or other family member, and even a friend or business partner in some cases. While many people think that this is a good, cost-free replacement […]
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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.