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In a world where diversity and inclusion are increasingly important, women-owned minority businesses are making waves. These powerhouse entrepreneurs are not only breaking through the glass ceiling but also shattering stereotypes and forging the way for future generations. In this article, we will ...
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For many, investing feels like a journey through a dense forest of regulations filled with a bewildering array of terminology, forms, and procedures. At the heart of this complex wilderness lies the “Form ADV.” On the surface, it might appear as just another cryptic acronym amidst the financial jar...
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Q: When does it make sense for me to consider hiring a financial advisor who charges an hourly rate? Ryan: Hourly (or time-based) advice is highly flexible. It tends to make sense for someone who can self-implement recommendations, someone who is hands-on when it comes to their personal fin...
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A new report examines 5 strategies – which one’s best for you? Saving and investing for retirement, or as I prefer, “work-optional,” is one of the top financial goals for most of us. At least once we have fewer work years ahead of us than behind… Unfortunately, that doesn’t necessa...
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To make Wealthtender free for readers, we earn money from advertisers, including financial professionals and firms that pay to be featured. This creates a conflict of interest when we favor their promotion over others. Learn more . Wealthtender is not a client of these financial services ...
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In a recent article , I explored results coming out of Morningstar’s recent research into the success rate of active funds vs. passive ones (the full report is online: US Active/Passive Barometer – Midyear 2023 ). The gist of the report is that in the short term (one year), active funds are ...
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What to do if you want to save money by downsizing but can’t afford these insanely high-interest rates? Three months ago, I wrote a piece about the challenges of buying a home in today’s market. Beyond the problem with buying a new home, I wrote there: “ Clearly, downsizing to bolster y...
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The Investment Adviser Public Disclosure (IAPD) website is provided by the SEC to help investors find financial advisors and conduct due diligence on advisors and advisory firms to review disciplinary actions and regulatory filings such as Form ADV. Whether you’re new to investing or have ye...
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The fascinating field of Behavioral Finance Theory explores the psychological and emotional factors that drive investor behavior. By understanding these behavioral biases, financial professionals can gain valuable insights into why investors often act irrationally and make decisions that defy tradi...
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To make Wealthtender free for readers, we earn money from advertisers, including financial professionals and firms that pay to be featured. This creates a conflict of interest when we favor their promotion over others. Learn more . Wealthtender is not a client of these financial services ...
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So you want to start a business. Maybe you want to earn more money with a side hustle. Maybe you hate your job and you want to do something you love. Maybe you want to take control of your time. Maybe it’s a combination of things. Many people dream of starting a business but they never qu...
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Douglas Boring : That is a great question and certainly a fair question. There are many great financial advisors who operate with integrity. My belief is that a Christian worldview changes the conversation about financial planning in a number of ways. The implications of a Biblical worldview ...
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Your credit report is what lenders, banks and other businesses see when they check your credit score. It’s vitally important to us as consumers, so we tend to assume the information those lenders see is 100% correct and up-to-date. We may think it’s not necessary to check our credit report reg...
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Marriage remains a major life milestone many spend years working towards. Yet, for many young Americans, fears of descending into debt are holding them back from walking down the aisle. Couples can legally formalize their partnership through marriage registration or civil union. When it comes...
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A growing number of retirees are neglecting a critical aspect of financial planning – having a will in place. This oversight not only jeopardizes their own wishes but also puts their families at risk of losing their rightful inheritance. The importance of estate planning cannot be overstated,...
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Jokes about in-laws often get a good laugh, but when it comes to marriage and money, family members meddling in couples’ finances is no laughing matter. Financial involvement from in-laws comes in all forms and guises. Some parents may want to pay for everything and then weigh in on all future...
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The financial advising industry has a wide and confusing array of compensation models. A rising number of financial advisors are offering their services for a flat fee as opposed to the legacy pricing models ( you can read about legacy pricing models in more detail here ). The flat fee model...
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What the latest research says on this crucial question… This question is a critical one for lots of people. Perhaps you’re like me, in your early 60s, and want to retire in the next few years… Or maybe you’re an adherent of FIRE – Financial Independence, Retire Early and want to kn...
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I always advise consumers to start their financial advisor search with two questions: How does this particular financial advisor get paid? What type of business entity do they work for? How financial advisors get paid influences their incentives and ultimately dictates the quali...
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Putting money into your saving account on a regular basis is one of the things that can really reduce money stress for many of us ordinary, middle-income individuals. It’s what makes the holiday season fun instead of stressful, and allows us to actually have vacations, and many of the other things ...
