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.
7 min read
09 Oct 2023
Understanding Recent Updates to Inherited IRA Rules and How It Could Impact You
The rules surrounding Individual Retirement Accounts (IRAs) undergo frequent and impactful changes. While IRAs are a cornerstone for many retirement plans, these accounts being inherited adds a layer of complexity to them. Whether you’re in the phase of retirement planning, considering passing down your assets, or finding yourself as a beneficiary of an IRA, it’s […]
6 min read
05 Oct 2023
Can you use AI to help manage your money?
In today’s rapidly evolving digital landscape, the intersection of artificial intelligence (AI) and personal finance has sparked a compelling discussion. Insights from a recent survey conducted in early July 2023 shed light on the pivotal role of AI in money management among US adults. Approximately 1,000 participants shared their perspectives on employing AI to handle […]
9 min read
27 Sep 2023
What to Do If You Are 50+ With Over $2 Million in Your 401(k)
The 401(k) retirement plan is one of the most powerful tools. This tax-advantaged savings vehicle allows you to accumulate wealth steadily over a lifetime of diligent saving and investing. It offers employer matches to boost your savings. Moreover, it facilitates financial discipline with consistency. Reaching the age of 50 with over $2 million in your […]
10 min read
13 Sep 2023
The Most Important Factor You’re Probably Overlooking In Your Retirement Planning
While grappling with various aspects of retirement planning, it is imperative to acknowledge a critical factor that often does not receive its due attention – longevity risk. Longevity risk refers to the risk that people are living longer lifespans than previous generations. Additionally, this trend is expected to continue in the future. While this is […]
9 min read
08 Sep 2023
Delay These 7 Actions Until Your Retirement Is Finalized
Most people feel a sense of anticipation and excitement before retirement. These are the golden years when you can finally reap the rewards of decades of hard work and have the freedom to travel, socialize, and pursue your passions. Yet, amidst the joy and delight, it is vital to remember that the journey to retirement […]
10 min read
06 Sep 2023
How Often Should You Check Your Retirement Account Balance?
Maintaining a balanced approach is critical in financial planning. Overindulgence in information can lead to poor decisions, and excessive monitoring of your retirement account balance can result in stress. This, in turn, can push you to make reactive choices that may not always work in your favor. Checking your retirement account balance too often can […]
6 min read
31 Aug 2023
Do You Still Need A Financial Advisor After You Retire?
Financial advisors play a crucial role in assisting you before you retire. They can assess your financial situation, long-term goals, risk tolerance, and investment preferences to create personalized strategies. They can also help you optimize your savings and investment plans, ensuring that you maximize your earning potential while minimizing risks. But their support does not […]
9 min read
18 Aug 2023
What is the cost of a financial advisors?
When it comes to personal finance, the guidance of a financial advisor can help you in more ways than one. These experts have the necessary financial knowledge and expertise to help you make informed decisions about your money, investments, and future financial security. However, the big question that looms in the minds of most investors […]
8 min read
14 Aug 2023
What Is A 60/40 Portfolio, And What Alternative Portfolios Can You Consider?
The investment landscape has undergone unprecedented and rapid changes in the past two decades. With global advancements and remarkable growth in stock markets and income streams, investors face the challenge of constructing portfolios that can withstand dynamic market conditions. Furthermore, the introduction of new financial products, such as ETFs and cryptocurrencies, has expanded the choices […]
8 min read
03 Aug 2023
Is It Worth Paying a Financial Advisor 1%?
Planning for retirement and growing your wealth is critical to achieving your financial aspirations. Making informed decisions about your money requires careful analysis, expertise, and a comprehensive understanding of the financial landscape. While many individuals choose to navigate their financial journey independently, seeking the guidance of a professional financial advisor can offer unique advantages that […]
6 min read
27 Jul 2023
The Battle of Advice: ChatGPT vs. a Financial Advisor on Retirement Planning
The advent of ChatGPT in 2022 brought about a revolutionary transformation across various industries, showcasing the potential of artificial intelligence in shaping our future. This advanced language processing technology has also greatly impacted the financial advisory sector, prompting a critical question: Can ChatGPT replace human financial advisors in retirement planning? ChatGPT’s exceptional data analysis capabilities, […]
9 min read
25 Jul 2023
The Role of Emotional Factors in Your Decision to Hire An Advisor
Hiring a financial advisor can provide several benefits that are essential for managing your financial well-being. A financial advisor possesses a deep understanding of complex financial concepts and can help you navigate the intricacies of investing, retirement planning, debt management, estate planning, succession planning, tax optimization, and more. They can create a comprehensive financial plan […]
9 min read
18 Jul 2023
Why a Roth IRA is a Game-Changer in Tax-Free Savings
With its unique benefits and long-term growth potential, the Roth Individual Retirement Account (IRA) has become a popular choice among individuals seeking to build a retirement nest egg. The Roth IRA can be a reliable and tax-efficient way to save for your future. It offers unique benefits and long-term growth potential. A Roth IRA can […]
10 min read
11 Jul 2023
Smart Investments to Manage High Inflation and Rising Interest Rates
High-interest rates and inflation can be challenging for investors. Interest rates directly impact your investment returns, and inflation compromises the purchasing power of your money. When this happens at the same time, you can be left in a tricky situation. The U.S. experienced one of the highest inflationary periods in history when the inflation rate […]
10 min read
04 Jul 2023
6 Financial Planning Mistakes Physicians Make
Physicians often have complex income structures that may include a combination of salary, bonuses, and income from private practice, as well as the hospitals they work for. In addition, they may earn varying amounts of money at different stages of their careers, starting from an intern to a resident and finally as a certified specialist. […]
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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.