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Javier Simon

Banking, Retirement and Investing Expert

Javier Simon is a banking, investing and retirement expert for SmartAsset. The personal finance writer's work has been featured in Investopedia, PLANADVISER and iGrad. Javier is a member of the Society for Advancing Business Editing and Writing. He has a degree in journalism from SUNY Plattsburgh. Javier is passionate about helping others beyond their personal finances. He has volunteered and raised funds for charities including Fight Cancer Together, Children's Miracle Network Hospitals and the National Center for Missing and Exploited Children.

Posts by Javier Simon:

by Javier Simon Aug 11, 2022

If you’re trying to send money to someone, you may consider just transferring funds to the person’s bank account, but many people don’t have bank accounts. In fact, a recent FDIC survey revealed more than 9 million Americans fall into that category. The good news is you have plenty of options to transfer money even without a bank account. We’ll cover some of the cheapest, fastest and easiest ways to send money to someone without a bank account. This is just one financial tool that can come in handy. You may want to speak with a financial advisor if you’re looking for ways to be more liquid in order to easily transfer money to others quickly. They can help with your full financial picture as well.  Read more

by Javier Simon Jul 31, 2019

The best retirement communities in Tennessee offer a range of amenities to backdrops like breathtaking mountains. You can also reside in luxurious homes with most maintenance costs covered by homeowners association (HOA) fees. Below, we cover the best retirement communities in the Volunteer State along with everything you can expect. This includes the price tag. But to make the most out of these great communities, you need careful financial planning. A financial advisor can provide expert guidance. You can use our free SmartAsset financial advisor matching service to find one. Advisors can also help with all financial issues, including things like estate tax. Read more

by Javier Simon Jul 20, 2021

The best retirement communities in Maryland provide their residents with several options to stay active while at the same time enjoying a laid-back lifestyle. Large clubhouses feature state-of-the-art gyms, spas and plenty of meeting rooms to spend quality time with your new friends. This article will cover everything you can expect at Maryland’s retirement communities from amenities to scenery and price tags. However, you can always find a financial advisor to help you make the best retirement planning decisions. Read more

by Javier Simon Oct 05, 2021

Retirement communities in Florida have plenty to offer. From luxury homes to state-of-the-art fitness centers and amenities, you can spend your golden years in style while staying in the Sunshine… Read more

by Javier Simon May 11, 2022

Setting up your asset allocation is one of the most crucial investment decisions that you will make for your portfolio. This is the process by which you break down your investment portfolio based on… Read more

by Javier Simon Aug 05, 2022

The best retirement communities in Arizona have a lot to offer. Given that the state has everything from golf courses and resort-style pools to vast hiking trails surrounded by beautiful mountain… Read more

by Javier Simon Mar 18, 2020

For investors looking to diversify their portfolio, real estate is a great option. But 89% of Americans have never ventured into that kind of investing, according to RealtyShares, an online real… Read more

by Javier Simon Nov 01, 2018

The best retirement communities in South Carolina are definitely a sight to see. From pristine beaches and palm trees to miles of hiking trails, South Carolina offers several opportunities to relax… Read more

by Javier Simon Nov 01, 2018

The best retirement communities in North Carolina offer plenty of amenities and the backdrop of rolling hills, mountains and pristine waterways. And you can make new friends at large clubhouses and… Read more

by Javier Simon Oct 30, 2018

Retirement communities in Virginia offer a range of amenities and plenty of opportunities to stay active well into your golden years. You can enjoy championship golf courses designed by the likes of… Read more

by Javier Simon Aug 11, 2022

Cashing a check at any bank will depend on the bank you’re trying to cash the check at and the bank the check is coming from. Some of the best banks will cash pretty much any check for you, even if… Read more

by Javier Simon Nov 11, 2022

One of the benefits that make tax-deferred retirement accounts like 401(k) plans so attractively is their high contribution limits. This becomes especially appealing when your company offers a 401(k)… Read more

by Javier Simon Mar 14, 2022

Going through a divorce is never easy. But if you live in Illinois, it’s important to be aware of Illinois divorce laws before going deep into the proceedings. There are certain eligibility… Read more

by Javier Simon Aug 04, 2022

Virginia divorce laws can be complex and individuals must meet certain eligibility requirements even before filing for divorce. Unless a couple agrees on how to split property and assets, a judge… Read more

by Javier Simon Dec 14, 2018

Investing in certificate of deposit (CD) accounts provides you with several benefits. But as with anything in the investing world, you face some risk. So you have to weigh the CD pros and cons before… Read more

by Javier Simon Apr 25, 2022

Maintaining a healthy savings habit is critical to financial wellness. Unfortunately, many Americans lack basic emergency funds. One easy way to build one is by opening a savings account. The best… Read more

by Javier Simon Sep 28, 2022

As Americans pay more for healthcare, many seek new ways to save in case of emergencies. Some may not even know they have access to health savings accounts (HSAs) and health reimbursement accounts … Read more

by Javier Simon Aug 31, 2022

Good Friday marks the Crucifixion of Jesus Christ, and many of those observing will be fasting and engaging in religious ceremonies. Some may also be asking, are banks open on Good Friday? The answer… Read more

by Javier Simon Oct 03, 2022

In a world where Americans are saving less and less, it helps to have something to motivate you to sock away some money for an emergency fund and a high-yield savings account can do that. As the name… Read more

by Javier Simon Aug 31, 2022

Health savings accounts (HSA) and flexible spending accounts (FSA) both help people save for future medical expenses. These accounts also offer distinct tax benefits. But when deciding which one is… Read more

by Javier Simon Nov 22, 2021

Each year, the IRS sets maximum contribution limits for health savings accounts (HSAs). For 2022, this limit increased slightly from 2021 due to changes in cost of living as was determined by the IRS… Read more

by Javier Simon Aug 12, 2022

Money market accounts tend to generate interest rates that climb well above those of even the best savings accounts. They also offer additional benefits. For example, several banks link money market… Read more

by Javier Simon Oct 01, 2022

Retirees flocking to the Volunteer State for their golden years are in for a treat. The best places to retire in Tennessee offer everything from scenic mountain landscapes and hiking trails that will… Read more

by Javier Simon Oct 01, 2022

The best places to retire in South Carolina have plenty to offer from pristine lakes and mountains to historic sites that date back to the Revolutionary War. So it’s no wonder so many nature lovers,… Read more

by Javier Simon Oct 01, 2022

If you love the outdoors and want to stay active, you may consider spending your golden years among the pristine landscapes of Virginia. To help you narrow down your choices, SmartAsset compiled a… Read more