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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 Feb 05, 2020

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 your plan is concrete and final. Many people will combine a financial plan with an investment plan, as investing is often part of what will help you save for the future. If you have more questions about your finances, consider working with a financial advisor in your area. Read more

by Emily Zhu Feb 19, 2020

Technically, you don’t actually need any training or certifications to call yourself a financial advisor. So the fact that someone has undertaken the coursework, exams and expense that the certified financial planner (CFP) designation requires says something positive about the advisor. Same goes for chartered financial consultants (ChFCs). 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. Still, to inform your decision, we break down the differences below. 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 Aug 30, 2017

If you’re struggling with paying off credit card debt, then you may want to consider credit card consolidation. Credit card consolidation allows you to merge your separate debts into one single… 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 Jul 20, 2017

Are you thinking about applying for your first credit card? Or maybe you’re trying to repair your credit history. Either way, you’re likely to come across the term, “secured credit card.” But what is… Read more

by Emily Zhu Jan 29, 2020

A cashier’s check is often requested as payment for big purchases, like the down payment on a house. That’s because a cashier’s check is drawn from a bank’s account and is as good as cash. You can’t… Read more