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Sequence-of-returns risk means the same market decline can affect your savings differently depending on when it occurs.
Retirement Planning

I’m 2 Years From Retiring With $810k. A 20% Drop Now Would Hurt More Than One at 75. Here’s Why

When you are close to retirement, every market decline can feel different than it did decades earlier. At this stage, you generally have less time to recover from major losses. While it may be easy to focus on how far the market falls, the timing of a decline can be just as important. A sharp… read more…

A $750,000 inheritance rarely arrives as one pool of money. It may include cash, investments, retirement accounts and real estate, each with its own tax treatment.
Inheritance

What to Do With a $750K Inheritance

A $750,000 inheritance can have an immediate impact on your finances. The first few decisions often determine how much of that money you can keep. And they usually happen before you make your first investment. One early mistake can increase your tax bill and leave you with a smaller inheritance. What You Need to Do… read more…

Estate Planning

Elder Law Attorney: Services and Examples for Life Insurance

Aging often brings legal questions that a standard will or trust doesn’t fully address. How to pay for a nursing home without losing a home? How does a life insurance policy affect Medicaid eligibility? Who can make decisions if a parent becomes incapacitated? An elder law attorney specializes in exactly these situations. Understanding what this… read more…

A change in filing status can push you into a higher bracket, even when your income stays exactly the same.
Roth & Traditional IRAs

We Have $1.6 Million in IRAs. When One of Us Dies, the Survivor’s Tax Rate Nearly Doubles

If you and your spouse have $1.6 million saved across your IRAs, and one of you dies, the surviving spouse could pay a much higher tax rate on the same retirement income. The best opportunity to reduce that future tax bill is often while you’re both alive. But if you’re already the surviving spouse, there… read more…

Editor's Picks

A couple determining whether they need a CFA vs. CFP®.
Certifications & Licenses

CFA vs. CFP®: Which Do You Need?

Chartered financial analyst (CFA) and certified financial planner (CFP) are common certifications for individuals working in finance, namely financial advisors. These are designed to tell a client (or employer) that the holder has received education in certain types of financial… read more…

Clients meeting with an advisor from a wealth management firm.
Brokerage

6 Tips for Choosing a Wealth Management Firm

Wealth management firms are all different, with their own specializations and services. As a result, the process for choosing a wealth manager is a very personal one. Wealth managers work closely together with their clients to identify financial goals and… read more…

A fee-only financial planner doesn't earn commissions for recommending certain products.
Advisor Fees & Costs

What Is a Fee-Only Financial Planner?

If a financial planner, financial advisor or another type of financial professional is fee-only, that means they receive compensation solely from the fees clients pay for their services. They do not earn commissions for recommending certain products. A fee-only structure… read more…

Investment Property
Real Estate Investing

Why First Homes Could Be Investment Properties

If you’re young and looking to purchase a new home to live in, you may want to consider turning it into an investment property. While most people wait until after they’ve bought their first or second home to begin investing in… read more…

Data Articles and Studies

Two engineers working on a drone project in a laboratory.
Travel, Education & More

America’s Most Innovative States

Innovation can attract investment and reshape economies. The U.S. Economic Development Administration identifies innovation as a driver of global competitiveness, job creation and economic growth. However, innovation activity varies substantially by region. Some states generate more patents, support greater research and development activity, and attract more venture capital than others, giving them a stronger foundation… read more…

Parents playing with their child at home.
Cost of Living & Taxes

Cost of Raising a Child in Major U.S. Metros – 2026 Study

Common expenses tied to raising a child — including child care, food, medical care, housing and other necessities — can total tens of thousands of dollars annually. While costs are high across major metro areas, the burden varies sharply by location, with families in some places facing annual expenses more than twice as high as… read more…

University of Florida, Albert Murphree statue.
Travel, Education & More

America’s Best Value Public Universities — 2026 Study 

A university degree is one of the biggest investments many Americans will make, and public institutions are often perceived as the most affordable path toward a higher education. But sticker price alone does not determine value. Outcomes can vary widely by school, meaning some public universities may offer stronger returns for students seeking manageable costs… read more…

Cost of Living & Taxes

Where the Down Payment Burden Has Grown Most

Saving for a home down payment has become a moving target. As rising home prices outstrip wage growth, the amount of time buyers may need to set aside enough money has changed sharply in many parts of the country. In some states, rising incomes have helped offset higher home values. In others, buyers may face… read more…

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