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SmartReads

Take control of your financial future.

Investing
Jun 14, 2022

Buying on margin means investors borrow funds through their brokerage accounts to invest, with the goal being to earn more money through your investment. But sometimes, you may lose money when the investment drops in value. At that point, a margin call may enter the picture. If you are on the fence about a margin account, consider talking it over with a financial advisor, who can help you map out the best investment strategy for your goals and risk tolerance. Read More...

Mortgage
Jun 14, 2022

Mortgage points are fees you pay to help reduce the cost of buying a home. When you agree to pay points your lender can reduce your mortgage interest rate, which can save you money and potentially lower your monthly payment. If you already have a mortgage and plan to refinance, you may be offered the option to purchase refinance points. Whether it makes sense to pay points when refinancing a mortgage can depend on your financial situation and reasons for taking out a new loan. A financial advisor could help you create a financial plan for your home buying needs and goals. Read More...

Financial Advisor
Jun 14, 2022

Financial emergencies can catch you off guard. You can’t budget for an unexpected legal crisis, a loved one suddenly needing costly medical treatment or getting blind-sided with a layoff. Handled incorrectly, raising emergency cash to respond to something unplanned but urgent can unnecessarily saddle you with tax liabilities or wreak havoc on your financial plan – or both. Here’s how to get emergency cash with the least downside for your financial plan. Consider working with a financial advisor to fine tune your financial plan, or create one from scratch. Read More...

Mortgage
Jun 14, 2022

When looking for homes to buy, you might assume your options are limited to properties that are listed for sale publicly. It’s possible, however, to purchase a home that’s not technically on the market. This isn’t necessarily the easiest path to homeownership as you first have to find a property owner who’s willing to sell, then meet their desired price. But knowing how to buy a house that’s not on the market could give you an edge when the competition for properties is stiff. If you are planning to buy a home, a financial advisor can help you create a financial plan for your needs and goals.  Read More...

Editor's Picks

Taxes

Mar 22, 2022 If you're like most people, you dread tax season. But if you're expecting a tax refund, you may have something to look forward to. If there…

Financial Advisor

May 10, 2022 Chartered financial analyst (CFA) and certified financial planner (CFP) are common certifications for individuals working in finance,…

Investing

Apr 29, 2022 Wealth management firms are all different, with their own specializations and services. As a result, the process for choosing a wealth…

Financial Advisor

May 16, 2022 If a financial planner or financial advisor is fee-only, that means they receive compensation solely from the fees clients pay from their…

Mortgage

May 12, 2022 If you’re young and looking to purchase a new home to live in, you may want to consider turning it into an investment property. While most…

Data Articles and Studies

Financial Advisor
Mar 11, 2021

The number of registered investment advisors (RIAs) in the U.S. is growing, as are the number of clients they serve and assets they manage. According to an annual report published jointly by the Investment Advisor Association and National Regulatory Services, there were 13,494 RIAs in 2020 – about 11% more than there were in 2017 (12,172). Last year, those advisors reported a total of 42.1 million clients and $97.2 trillion in regulatory assets under management (AUM) – roughly 18% and 37% more, respectively, than the number of clients and assets reported three years prior. Read More...

Checking Account
Jan 07, 2021

Since the onset of COVID-19, remote work has become the norm for many Americans, allowing them to continue to meet some of their expenses while saving where possible. In the late spring of 2020, about half of American workers were working from home, according to two surveys conducted by the National Bureau of Economic Research. Many researchers believe that increased work flexibility and work-from-home opportunities may continue even after the pandemic is over. With that in mind, SmartAsset looked at the best cities to work from home in 2021. Read More...

Checking Account
Feb 18, 2021

The Bureau of Labor Statistics (BLS) says that computer and information technology jobs are expected to have grown by 11% from 2019 to 2029, adding 531,200 new jobs in cloud computing, big data storage and collection and information security. The median annual wage for those jobs in May 2019 was $88,240, which is $48,430 higher than the median annual wage for all occupations. Read More...