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Ashley Chorpenning

Retirement, Investing and Budget Expert

Ashley Chorpenning is an experienced financial writer currently serving as an investment and insurance expert at SmartAsset. In addition to being a contributing writer at SmartAsset, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.

Posts by Ashley Chorpenning:

by Ashley Chorpenning Oct 25, 2019

If you’re overwhelmed by retirement planning, it’s wise to partner with an expert who puts your interests first. Working with a financial professional like a Certified Plan Fiduciary Advisor (CPFA) can help you to find resources you’ll need when planning for your golden years. Read on to discover how CPFAs can support you through the retirement planning process. Read more

by Ashley Chorpenning Oct 25, 2019

As you age, it can be difficult to know what decisions are best for your health, finances, or estate planning. That’s why it’s important to make those decisions with someone you trust. A Certified Senior Advisor (CSA) can help ensure your affairs are handled appropriately. Read on to discover how a CSA can help you address your needs as you age. Read more

by Ashley Chorpenning Oct 25, 2019

A high net-worth individual is faced with many complex financial decisions. Luckily, there are financial professionals who can address those financial concerns. A Certified Private Wealth Advisor (CPWA) is trained to tend to the needs of high net worth individuals. Read on to discover how a CPWA can help you with your financial situation. Read more

by Ashley Chorpenning Oct 24, 2019

Leverage is a common financial concept you may often hear in reference to maximizing investor returns. Commonly used by investors and companies alike, leverage is a technique that utilizes debt… Read more

by Ashley Chorpenning Oct 23, 2019

Discretionary income is a term commonly mentioned in conjunction with budgeting and student loans.  Essentially, it’s the amount of money you can spend or save after you take care of all necessary… Read more

by Ashley Chorpenning Jan 08, 2020

As you age, it’s important to make decisions that help you attain your desired lifestyle. Where you plan to live is among those important considerations. Nursing homes and assisted living facilities… Read more

by Ashley Chorpenning Jan 08, 2020

While Medicare and Medicaid both help aging adults afford some of their medical expenses, they may not cover the cost of an extended illness or disability. That’s where long-term care insurance comes… Read more

by Ashley Chorpenning Jan 15, 2020

If you are a federal employee, you may want to work with a Chartered Federal Employee Benefits Consultant (ChFEBC) to help you address your financial concerns. ChFEBCs are financial professionals… Read more

by Ashley Chorpenning Sep 27, 2019

Registered financial advisors use custodians to house and protect their clients’ assets. Often, financial advisors offer multiple custodian options to their clients. This allows them to expand their… Read more

by Ashley Chorpenning Sep 27, 2019

Whether you’re a new or veteran investor, you probably want a lot of different things from an investment. But, deciding which investments will help you achieve your financial goals may be a bit of a… Read more

by Ashley Chorpenning Sep 27, 2019

Medicare helps many seniors pay for their medical expenses. But does Medicare cover long-term care costs? Before you reach retirement, it’s important to understand what costs you’ll be responsible… Read more

by Ashley Chorpenning Sep 18, 2019

Earnings per share (EPS) is a financial measurement that tells investors if a company is profitable. Savvy investors consider a company’s earnings per share when determining investment decisions.… Read more

by Ashley Chorpenning Sep 10, 2019

Government securities refer to a variety of investment vehicles issued by a government. You may be familiar with treasury bills, bonds or notes, but you may not be aware that other countries issue… Read more

by Ashley Chorpenning Sep 06, 2019

Asset-backed securities, or ABS, are securities backed by a pool of fundamental assets. Typically, the pool of assets is a small group of loans or debt obligations that cannot be sold to individual… Read more

by Ashley Chorpenning Sep 06, 2019

For Americans who don’t have access to employer-sponsored retirement plans, such as a 401(k) or 403(b), there’s a retirement savings program known as the 26(f) investment program. The 26(f) plan is a… Read more

by Ashley Chorpenning Aug 30, 2019

Medicare Supplement Insurance, also known as Medigap, is a policy designed to pay some of the extra healthcare expenses that traditional Medicare doesn’t cover. Because of its comprehensive coverage,… Read more

by Ashley Chorpenning Jan 27, 2020

Opportunity Zone Funds are investment vehicles that provide tax incentives for investors. Partnerships or corporations can establish Opportunity Zone Funds and then invest in a property located… Read more

by Ashley Chorpenning Aug 23, 2019

If you can’t afford to buy a share of a pricey stock, fractional share investing is worth considering. Investors can purchase a fraction of a security (such as a mutual fund, stock or exchange-traded… Read more

by Ashley Chorpenning Aug 22, 2019

Medicare is a government-run health insurance program. It’s available to people age 65 and older, people with certain disabilities and people with End Stage Renal Disease (the last stage of chronic… Read more

by Ashley Chorpenning Aug 06, 2019

While some investors choose to work with a financial advisor who invests on their behalf, others choose to take a DIY approach, buying and selling their own stocks. As you know if you’ve ever tried… Read more

by Ashley Chorpenning Jul 25, 2019

Roth IRAs are one of the many ways you can save for retirement. Their key benefit – you can withdraw funds in retirement without paying taxes on the distributions – has made them very popular among… Read more

by Ashley Chorpenning Aug 02, 2019

When looking for a smart investment strategy, some investors buy call options. Call options often enable investors to maximize profits while minimizing risk. Purchasing a call option may yield profit… Read more

by Ashley Chorpenning Aug 08, 2019

A collateralized debt obligations, or CDO, is a financial instrument that institutions use to combine individual loans into one financial product that is then sold to investors on the secondary… Read more

by Ashley Chorpenning Jun 28, 2019

As a business owner, your profit margins may be key to making money and  growing a company. Evaluating your profit margins can assist you with gauging the financial health of your company. In order… Read more

by Ashley Chorpenning Jun 28, 2019

A trustee is the individual appointed to administer assets or property for the benefit of a third party. A trustee could be appointed for the purpose of bankruptcy, a charity or certain kinds of… Read more