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Nadia Ahmad, CEPF®

Nadia Ahmad is a Certified Educator in Personal Finance (CEPF®) and a member of the Society for Advancing Business Editing and Writing (SABEW). Her interest in taxes and grammar makes writing about personal finance a perfect fit! Nadia has spent ten years working as a seasonal income tax assistant, researching federal, state and local tax code and assisting in preparing tax returns. Nadia has a degree in English and American Literature from New York University and has served as an instructor/facilitator for a variety of writing workshops in the NYC area.

Posts by Nadia Ahmad, CEPF®

Image shows a trader sitting in front of their computer monitors in order to see the latest stock price information during after-hours trading.

What Is After-Hours Trading? How Do You Do It?

After-hours trading happens outside the standard hours during which a stock exchange (such as the Nasdaq or New York Stock Exchange) is open. This trading can fall under post-market trading, which happens between 4:00 p.m. and 8:00 p.m., or pre-market… Read more…

Capital Gains Tax Rates by State

2023 Capital Gains Tax Rates by State

Investors must pay capital gains taxes on the income they make as a profit from selling investments or assets. The federal government taxes long-term capital gains at the rates of 0%, 15% and 20%, depending on filing status and income.… Read more…

SmartAsset: 2022 Capital Gains Tax Rates

2023 Capital Gains Tax Rates

Investing is all about making your money work for you – getting money without having to actually perform labor.  But what some investors may initially neglect to take into account is the fact that investment gains mean investment income, and… Read more…

Image shows a parent and child putting money in a piggy bank together. Children may be beneficiaries in a generational wealth transfer.
Estate Planning

A Guide to Wealth Transfer Planning

Whether you’ve been aware for some time that you’ll eventually need to pass on a substantial amount of wealth to loved one, or you’ve more unexpectedly come into a large sum of money and don’t know how to plan for… Read more…

Image shows a form, pen and stethoscope on a tabletop. The top page of the document reads, "Short Term Health Insurance."

Understanding Short-Term Care Insurance

Short-term care encompasses services that people usually need when they are unable to take care of daily activities on their own, including services involving stays in an assisted living facility or skilled nursing home, services offered by home health care aides or even certain prescription medications. Additional recovery time at home – or even additional… Read more…

Image shows a parent and child sitting together and putting money into a piggy bank.

How to Invest for Your Kids

Investing for your children might be a strange concept to grasp – children don’t usually have income, so why would they need you as a caretaker to add yet another financial responsibility to your plate? The answer is more forward-looking… Read more…

Image shows a new employee speaking with an HR rep about restricted stock units (RSUs) as part of an employee compensation package. SmartAsset dives deeper into RSUs.

What Is a Restricted Stock Unit (RSU)?

A restricted stock unit (RSU) is a form of common stock that a company promises to deliver to an employee at a future date, depending on various vesting and performance conditions. Restricted stock units are not received until these restrictions… Read more…

Image shows a financial professional's hand using a calculator to figure average investment management fees.

What Is the Average Investment Management Fee?

The general rule for financial advisor fees is about 1%. More specifically, according to a 2019 study by RIA in a Box, the average financial advisor firm fee is equal to 1.17% of assets under management (AUM), compared to a 0.95% average in 2018. As an example, a $1 million account would have to pay… Read more…

Image shows a person sitting down to write a list of questions they are preparing for a potential financial advisor.
Financial Advisor

Questions to Ask a Financial Advisor About Retirement

Planning for retirement can be overwhelming, because it involves figuring out a plan for your money that is supposed to have last you for a long period of time, and often involves sorting things out now for a point time… Read more…

Image shows a binder with the title page reading, "Employee Stock Ownership Plan."

Employee Stock Ownership Plan (ESOP)

Employee benefits can cover many types of perks that a worker can receive from a company — including health insurance, paid time off, family leave, professional development and more. For employees who are looking to be able to enjoy an actual stake in the company — and company owners who wish to find a way… Read more…