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Emily Zhu

Credit Card, Banking, Tax and Retirement Expert

Emily Zhu writes on a variety of personal finance topics for SmartAsset. Her expertise includes retirement, credit cards, taxes and banking. She grew up in Brooklyn, but now splits her time between Brooklyn and Rochester. Emily is currently studying at the University of Rochester.

Posts by Emily Zhu:

by Emily Zhu May 15, 2018

So you’ve decided to start working with a financial advisor. Good for you! But even after narrowing down a list of possible advisors, deciding on one can still be difficult. Wondering how to choose a financial advisor? Here are some factors to remember so you can find the best one for you. Read more

by Emily Zhu May 20, 2022

A financial plan is a comprehensive overview of your financial goals and the steps you need to take to achieve them. Financial plans are usually physical documents to ensure that it is concrete and final. Many people combine their financial plan with an investment plan, as investing is often part of what will help you save for the future. Other important aspects of a financial plan include an estate plan, a college savings plan, a retirement plan and more. Speak with a financial advisor who serves your area if you want help creating a financial plan or you have other questions about your finances. Read more

by Emily Zhu May 19, 2022

The certified financial planner (CFP) designation and the chartered financial consultants (ChFCs) are both designations for financial advisors. Neither is easy to qualify for but both carry a distinction or validation that makes it easier for advisors. Of course, to the issuing organizations, the differences between the two designations are huge. To clients, though, the differences may not seem so significant when considering financial advisors.  Read more

by Emily Zhu Mar 14, 2018

Credit cards are an incredibly convenient tool, and can be particularly beneficial when they come with rewards. However, their convenience and common usage comes with the inevitability of credit card… Read more

by Emily Zhu Oct 31, 2017

Though credit cards can come in handy, using them carries a certain amount of risk. For one, you have to focus on paying each bill in full and on time. With everything else going on in life, keeping… Read more

by Emily Zhu Apr 07, 2022

A cashier’s check is often necessary for big purchases, like the down payment on a home. This is because a cashier’s check is drawn from a bank’s account and is therefore as highly regarded as cash.… Read more