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Jeff White

Banking, Retirement and Investing Expert

Jeff is a Writer/Editor for SmartAsset. He's an expert in a variety of personal finance topics, such as investing, banking and retirement. Jeff has received his JD and MBA and has been featured in a number of publications, such as Investopedia, The Street, Forbes, Yahoo! Finance and more. He currently resides in Utah with his wife and five children, where they cheer for the Denver Broncos and make it to the water to sail whenever given the chance.

Posts by Jeff White:

by Jeff White Nov 08, 2022

Most people widely accept that the retirement age is 65 because this has long been the traditional age needed for Social Security benefits. However, it has increased to 66 or 67 in recent times, depending on when you were born. Still, many people want to retire earlier than that, so that they have plenty of opportunity to travel or enjoy the life they want without worrying about full-time work. Retiring at 60 is a good balance between retiring early, but still giving yourself plenty of time to accumulate enough savings to live comfortably in retirement. However, many have less saved than they would like when it comes time to retire. When you’re planning for retirement, you can work with a financial advisor to help manage your investments. Read more

by Jeff White Nov 03, 2022

Retirement is often considered a great time to travel and do things you’ve been planning for years. You save and invest for multiple decades before deciding to stop working and move into the next phase of your life. Unfortunately, not everyone plans out their retirement expenses accurately, which can cause a shift in your budget. One of the costs that many don’t properly plan for is healthcare. More and more people are retiring before they become eligible for Medicare, and even the ones that don’t are surprised at what their healthcare options could cost. You may want to consult with a financial advisor who can help you create a financial plan to prepare for these costs. Read more

by Jeff White Oct 05, 2022

Many investors don’t have enough interest-bearing accounts to live in retirement solely on the interest they earn from those investments. This means that many will need to start turning investment assets into cash in order to pay for living expenses once they’ve hit retirement age. This can lead to many unexpected tax expenses that prompt a larger sell-off than originally planned for, shrinking how long your assets may last. There are guidelines you can follow if you’re selling off assets in your retirement account that will maximize your earning potential while lowering your overall tax bill, even if you’ve already hit retirement age. A financial advisor can help you optimize your retirement investments to save money on taxes. Read more

by Jeff White Sep 26, 2022

Inflation can have a negative impact on normal household spending, from gas to groceries and beyond. This is why many people seek opportunities to hedge their wallets and portfolios against rising… Read more

by Jeff White Sep 02, 2022

Stubborn inflation, a sliding stock market and ongoing layoffs in recent months have many Americans on edge. However, financial stress was at a record high even before the market made headlines. Data… Read more

by Jeff White Aug 31, 2022

Investing in the stock market comes with inherent risks. In fact, one could equate investing to gambling because of the up-and-down nature of the market as a whole. However, this isn’t quite as true… Read more

by Jeff White Aug 31, 2022

Union members tend to earn more than their non-union peers. Data from the Bureau of Labor Statistics (BLS) shows that non-union workers have median weekly earnings that are only 83% of the earnings… Read more

by Jeff White Apr 26, 2022

Both brokerage and savings accounts can help you earn a return on the money you stash in them. However, there are some major differences in how they work. When comparing brokerage accounts and… Read more

by Jeff White Apr 14, 2022

Owners of a second home can rent it out from time to time and the property can still qualify as a second home. This is thanks in large part to the rise of apps like Airbnb. Fannie Mae has made this… Read more