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Stephanie Horan

Mortgage, Savings and Retirement Expert

Stephanie Horan is a data journalist at SmartAsset. A Certified Educator of Personal Finance (CEPF®), she sources and analyzes data to write studies relating to a variety of topics including mortgage, retirement and budgeting. Before coming to SmartAsset, she worked as an analyst at an asset management firm. Stephanie graduated from Williams College with a degree in Mathematics. Originally from Philadelphia, she has always been a Yankees fan and currently lives in New York.

Posts by Stephanie Horan:

by Stephanie Horan Sep 08, 2022

Young professionals are generally staying close to home, according to new research. The Census Bureau and Harvard University recently found that 80% of young adults live less than 100 miles from where they grew up. Meanwhile, just 10% had moved more than 500 miles away. This means that while big cities like New York and Los Angeles have been millennial hotspots for years, the tides may be changing. Read more

by Stephanie Horan Aug 24, 2022

The tight labor market has made it more difficult for some companies to secure top talent. Even financial advisor firms are struggling to find new advisors as their workforce ages. Data from the J.D. Power U.S. Financial Advisor Satisfaction Study shows that between 2020 and 2022 the average advisor age rose from 54 to 57, increasing the urgency for firms to invest in a new generation of advisors. Read more

by Stephanie Horan Aug 25, 2022

In June 2022, U.S. stocks officially entered a bear market as popular market indexes – such as the S&P 500 – fell more than 20% below previous record closes. Those losses have since been met by recent upticks over the past few weeks, though some commentators are warning of a bear market rally, as stocks may be still set to hit new lows. Read more

by Stephanie Horan Aug 01, 2022

The independent wealth management industry has grown significantly over the past decade and many financial advisors think it will continue to grow looking forward. According to a 2022 Schwab Advisor… Read more

by Stephanie Horan Jun 22, 2022

After months of climbing gas prices, the national average has hit new highs, reaching $5 per gallon of regular gasoline in June. According to recent data from AAA, the national average for regular… Read more

by Stephanie Horan Jun 08, 2022

Many Americans agree that amid rising prices and economic uncertainty today, it takes a six-figure salary to get by. However, women continue to be underrepresented in higher-paying jobs. According to… Read more

by Stephanie Horan May 02, 2022

During times of economic instability, financial advice is often in high demand. As increased inflation and the Russia-Ukraine War continue to shake financial markets, many individuals working with… Read more

by Stephanie Horan Apr 13, 2022

Most financial advisors fall in the 90th percentile of U.S. workers according to average annual earnings. Data from the Bureau of Labor Statistics shows that the average financial advisor made about … Read more

by Stephanie Horan Mar 14, 2022

With rapidly climbing food, rent and gas prices, inflation is the highest it has been in four decades. Data from the Bureau of Labor Statistics (BLS) shows that the Consumer Price Index (CPI), which… Read more

by Stephanie Horan Mar 09, 2022

Though financial advisors expertly help clients plan for their future, they sometimes neglect to apply the same forethought to their own firms. In fact, only 27% of financial advisors have a… Read more

by Stephanie Horan Mar 03, 2022

Home prices shot up an average of roughly 17% during 2021 and continued to rise during the first month of this year, according to Freddie Mac data. This spike has led some researchers to hypothesize… Read more

by Stephanie Horan Feb 17, 2022

Nationally, less than 3% of businesses are Black-owned. However, over the past two years, the number of Black-owned businesses has grown by 8.52%, according to Census Bureau data. This exceeds the… Read more

by Stephanie Horan Feb 04, 2022

Finding an affordable home has become an increasingly daunting endeavor. As the COVID-19 pandemic took hold in the U.S., home prices soared while incomes remained stagnant. In fact, Zillow and Census… Read more

by Stephanie Horan Feb 02, 2022

Over the next 10 years, the Bureau of Labor Statistics expects there to be 821,300 new openings for STEM jobs, according to recent estimates. This represents a roughly 9% increase in the number of… Read more

by Stephanie Horan Jan 28, 2022

As federal efforts to increase the minimum wage have stalled, many states and cities are paving the way to pay workers more than $7.25 an hour. On January 1, 2022, a total of 20 states raised their… Read more

by Stephanie Horan Jan 19, 2022

Census Bureau data from 2019 to 2020 shows the largest single-year drop in national employment. There were roughly 5.7 million fewer Americans employed in 2020 when compared with the prior year.… Read more

by Stephanie Horan Dec 16, 2021

Research has shown that the COVID-19 recession was particularly harmful for working women. A recent report from the Brookings Institution highlights two primary reasons why this was the case. Firstly… Read more

by Stephanie Horan Dec 14, 2021

As the holidays approach, some workers may look forward to a bump in their paychecks with employers paying out bonuses. Across the many different types of bonuses allotted to workers (i.e. referrals,… Read more

by Stephanie Horan Dec 10, 2021

Many homeowners were incentivized to refinance their homes after mortgage rates reached historic lows in 2020. And Freddie Mac data shows that this caused mortgage refinancing activity to hit its… Read more

by Stephanie Horan Dec 01, 2021

Americans are spending slightly less of their pre-tax income on utilities when compared with a decade ago. According to Bureau of Labor Statistics (BLS) data, the average American household spent 4… Read more

by Stephanie Horan Nov 17, 2021

Strains on consumer finances during the COVID-19 pandemic have increasingly pushed Americans to seek assistance from the Consumer Financial Protection Bureau (CFPB), which serves as an intermediary… Read more

by Stephanie Horan Nov 03, 2021

The U.S. recently hit a large milestone on the road to recovery from the economic fallout of COVID-19. In the second quarter of 2021, real gross domestic product (GDP) exceeded its pre-pandemic level… Read more

by Stephanie Horan Oct 27, 2021

Over the past decade, the total number of U.S.-based registered investment advisors (RIAs) has increased by 20.29%. Total assets managed by RIAs have grown at an even steeper rate, more than doubling… Read more

by Stephanie Horan Oct 13, 2021

Socially responsible investing – commonly referred to as environmental, social and governance (ESG) investing – is gaining traction among institutional investors as well as individuals. According to… Read more

by Stephanie Horan Oct 12, 2021

Hispanic and Latino Americans have seen some of the highest unemployment rates during the COVID-19 pandemic of any race and ethnic group for which the Bureau of Labor Statistics (BLS) reports data.… Read more