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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 Jul 24, 2019

You’ve probably got a wide range of short- and long-term money goals, from paying down debt to planning for retirement to building a college fund. This is where a financial plan can help. A good financial plan identifies your financial goals, organizes and prioritizes them, then outlines the steps you need to take to achieve them. Those steps might include consolidating debt, opening accounts, establishing a savings regime and building an investment plan. While you might be able to create a basic financial plan yourself, it’s a good idea to find a financial advisor with experience building financial plans. Read more

by Emily Zhu Jun 01, 2018

If you’re ready to create a financial plan but can’t quite do it on your own, you might need the help of a financial advisor. But finding the right financial advisor can be a whole process on its own. When looking at different advisors, you’ll notice that some have different certifications, most noticeably ChFC and CFP designations. What exactly do these letters mean, and how are they different? Is one better equipped to help with financial planning? Let’s break it down. 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 Nov 20, 2018

Say you’re ready to make a down payment on a house. The seller asks you to bring the payment in the form of a cashier’s check. A cashier’s check is a check with guaranteed funds, with money drawn… Read more