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Christine Williams

Posts by Christine Williams

fidelity direct indexing
Investing

Fidelity Opens Direct Indexing Option to Retail Investors

Building wealth has grown more accessible than ever, thanks to declining trading costs and fractional share investing. Many brokerage firms already offer zero-commission online and exchange-traded fund (ETF) trading, and now, behemoth financial firm Fidelity Investments has brought one more… Read more…

SmartAsset: Nearing Retirement? This New 401(k) Program Provides Hands-on Investment Management
Retirement

Nearing Retirement? This New 401(k) Program Provides Hands-on Investment Management

Long-term financial planning can be difficult, and while new automatic enrollment and contribution escalation make it easier than before to save for retirement, actually reaching retirement can be even more stressful. Switching from saving mode to the active retirement phase… Read more…

SmartAsset: This Simple Savings Mistake Could Be Costing You Over $90,000
Retirement

This Simple Savings Mistake Could Be Costing You Over $90,000

Retirement plan participants broke record levels of savings in 2021, with higher levels of participation and contributions leading to an average 10% increase in account balances over course of the year. Yet, confronted with increasing inflation and uncontrolled healthcare costs,… Read more…

pro rata rule
Retirement

A Guide to the Pro-Rata Rule and Roth IRAs

Roth Individual Retirement Accounts (IRAs) can prove a powerful tool in your retirement plan, so it may come as no surprise that Roth conversions are a popular method of bypassing Roth IRA income limits. However, many retirement savers are unaware… Read more…

brokerage vs cash account
Personal Finance

Brokerage Account vs. Cash Management Account

Investors interested in non-retirement investment accounts have likely heard of or already have a brokerage account. However, in recent years, many brokerage firms have also begun offering cash management accounts to their clients. Although offered by the same financial institution,… Read more…

SmartAsset: Your Taxes Could Skyrocket Under This New Social Security Bill
Taxes

Your Taxes Could Skyrocket Under This New Social Security Bill

One of the most popular and enduring government programs in U.S. history, Social Security has funded the lives of senior citizens for more than 80 years. As a result, today the senior poverty rate clocks in at a mere 9%.… Read more…

questions to ask your financial advisor during annual review
Financial Advisor

Questions to Ask Your Financial Advisor During an Annual Review

Regularly meeting with a financial advisor can help you maximize your money and keep on top of your long-term financial goals. Financial advisors can help you save more, reduce your debt and invest more wisely. Experts recommend speaking with your advisor… Read more…

financial planning checklist
Personal Finance

2022 Financial Planning Checklist

The key to gaining financial security is to set financial goals and keep re-evaluating your progress. Without working toward anything specific, you’re likely to spend more than you should without realizing, leaving you vulnerable to life’s unexpected moments. Financial planning… Read more…

SmartAsset: When Should You Consider a Roth Conversion? Vanguard Has an Answer.
Retirement

When Should You Consider a Roth Conversion? Vanguard Has an Answer

Deciding between a traditional individual retirement account (IRA) and a Roth IRA can be difficult. Choosing when or if you should convert your IRA funds to a Roth account can be even more daunting. Experts commonly recommend that investors compare… Read more…

advice only financial advisor
Financial Advisor

Advice-Only Financial Advisor: Services and Fees

Financial advisors are people and services that help you create a plan for meeting your financial goals and manage it along the way. With the help of a financial advisor, you could reduce your debt, save more and invest in ways that might not have been possible if you did it on your own. However,… Read more…