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Rebecca Lake

Home Buying, Retirement and Investing Expert

Rebecca Lake is a retirement, investing and estate planning expert who has been writing about personal finance for a decade. Her expertise in the finance niche also extends to home buying, credit cards, banking and small business. She's worked directly with several major financial and insurance brands, including Citibank, Discover and AIG and her writing has appeared online at U.S. News and World Report, CreditCards.com and Investopedia. Rebecca is a graduate of the University of South Carolina and she also attended Charleston Southern University as a graduate student. Originally from central Virginia, she now lives on the North Carolina coast along with her two children.

Posts by Rebecca Lake:

by Rebecca Lake Jun 22, 2021

Dividends can be a welcome source of income, and they can also be used to grow your portfolio if you’re reinvesting them in additional stock shares. How often are dividends paid is a common question for dividend investors and it’s important to understand how the process works. Generally, companies can pay out stock dividends quarterly though some may do so monthly or annually. In terms of when dividends are paid out and who’s eligible to receive them, there are several key dates to know. Many investors have found that working with a financial advisor was a major part of their success. Read more

by Rebecca Lake Jun 22, 2021

Stock pricing may play a part in determining which companies to add to your investment portfolio. The dividend discount model or DDM is a commonly used method for measuring valuations. This model bases value calculations on present and future dividend payouts rather than current market conditions. If you’re a value investor, you can use the dividend discount model to identify stocks that may be undervalued by the market. You can also use DDM to compare values for blue-chip stocks if you’re interested in adding larger companies to your portfolio. Read more

by Rebecca Lake Jun 22, 2021

The dividend payout ratio can be a helpful metric for comparing dividend stocks. This ratio represents the amount of net income that a company pays out to shareholders in the form of dividends. The dividend payout ratio, or DPR, doesn’t necessarily tell you how financially healthy a company is, but it can tell you how a company spends the revenue it generates. Investing in dividend stocks could make sense if you’re interested in generating passive income or reinvesting dividends to build wealth. Understanding what the dividend payout ratio means and how it’s calculated is something to keep in mind as you choose dividend stocks to invest in. Read more

by Rebecca Lake Jun 17, 2021

Marketing is one of the most important aspects of running a successful advisory business. Without a clear strategy for promoting your advisory services, you may find yourself treading water instead… Read more

by Rebecca Lake Jun 17, 2021

A website can be an invaluable part of your financial advisor marketing plan and it’s important that it makes a good first impression. This is where having a strong financial advisor bio can work in… Read more

by Rebecca Lake Jun 09, 2021

Investing in dividend-paying stocks can make sense if you’re interested in creating current income or using dividends to buy more shares. It’s important to know the ex-dividend date before you invest… Read more

by Rebecca Lake Jun 04, 2021

Fixed-income investments can provide a steady stream of income through dividends or interest payments. In the investing landscape, fixed-income is generally considered a less risky asset class since… Read more

by Rebecca Lake Jun 04, 2021

When investing for the short- or long-term, where you choose to put your money matters from a tax perspective. Including tax-advantaged investments in your investment portfolio can help to minimize… Read more

by Rebecca Lake Jun 01, 2021

Scaling your advisory business demands a solid marketing and lead-generation strategy. While financial advisor marketing is increasingly focused on digital channels, there’s still a case to be made… Read more

by Rebecca Lake May 21, 2021

Filing taxes may not be your favorite financial chore but it is a necessary one to stay in the good graces of the IRS. Why do I owe state taxes is a question you might have if filing your return has… Read more

by Rebecca Lake May 20, 2021

When trading options, it’s important to understand the difference between in the money vs. out of the money. In simple terms, this is a way to measure an option’s intrinsic value, relative to the… Read more

by Rebecca Lake May 19, 2021

For financial advisors, prospecting is essential to attracting new clients and scaling a practice. Finding and developing leads that may turn into prospects can be time-consuming, however. And if you… Read more

by Rebecca Lake May 19, 2021

When a stock you own declines in value, you may be wondering what to do next. You can sell and accept the loss, do nothing and hope the stock’s value climbs again or buy additional shares while the… Read more

by Rebecca Lake May 20, 2021

When shaping an estate plan, one of the most important steps is deciding who has access to your assets. Specifically, that means who inherits bank accounts and other financial accounts when you pass… Read more

by Rebecca Lake May 20, 2021

Life insurance beneficiary designations allow the policyholder to decide who should receive a death benefit when he or she passes away. That doesn’t prevent someone from contesting life insurance… Read more

by Rebecca Lake May 14, 2021

When comparing investments, returns are one of the metrics you might zero in on. But there are different ways to gauge an investment’s performance. Absolute return measures an investment’s returns… Read more

by Rebecca Lake May 12, 2021

If you have more than one retirement account, it’s possible to extend a short-term loan to yourself when you need cash in an emergency. This involves initiating an indirect rollover from one… Read more

by Rebecca Lake May 12, 2021

As part of your employee benefits package, you may have the option to own stock in the company you work for. You can own company shares inside your 401(k) but once you start taking distributions,… Read more

by Rebecca Lake May 12, 2021

Investing for retirement means factoring in different types of risk that may affect your portfolio over time. Sequence of returns risk, also referred to as sequence risk, can come into play as you… Read more

by Rebecca Lake May 11, 2021

A solid client base is central to your success as a financial advisor. But without a defined plan for marketing yourself, making connections can be an uphill – and ultimately unsuccessful – slog. “A… Read more

by Rebecca Lake May 10, 2021

When a company needs to raise capital, one of the ways it can do that is through a PIPE investment. This type of offering allows investors to purchase a certain number of restricted shares of stock… Read more

by Rebecca Lake May 10, 2021

Net worth is one way to measure your financial health and stability, in relation to how much debt you have versus what you’ve accumulated in assets. Similar to credit scores, the higher your net… Read more

by Rebecca Lake May 10, 2021

When a new investment trend emerges, you may wonder what all the fuss is about. It’s happened several times with each new variation of cryptocurrency, and NFTs are set to be the next big thing among… Read more

by Rebecca Lake May 05, 2021

Trading stocks and investing in other securities can help with building a well-rounded portfolio. While the two sound similar, there’s a difference in trading and investing when it comes to the speed… Read more

by Rebecca Lake May 01, 2021

Having one or more retirement accounts can help you realize your long-term financial goals, including growing wealth and securing a comfortable retirement. Workplace plans, Individual Retirement… Read more