Price-to-Cash Flow: Investment Uses, Formula and Calculation
When it comes to evaluating stocks, savvy investors know that earnings can tell only part of the story, and sometimes a misleading one. While headlines often focus on price-to-earnings ratios and quarterly profits, the price-to-cash flow ratio focuses on the actual cash a company generates. This can help you spot undervalued gems that other investors… read more…
401(k) Rollover to a Roth IRA: Tax Consequences
Converting your 401(k) to a Roth IRA can be one of the smartest moves for your retirement strategy. However, it comes with an immediate price tag that catches many investors off guard. A traditional 401(k) rollover to a traditional IRA is tax-free, Roth conversions are not. Moving money from a 401(k) into a Roth IRA… read more…
What Is an LLC: Requirements, Pros and Cons
A limited liability company (LLC) offers liability protection and operational flexibility, but the costs, paperwork, and compliance requirements differ from state to state. Knowing what your state requires before you file can save you time and money down the line. A financial advisor can help you compare entity structures, work through the tax implications of… read more…
Joint Investment Accounts: Types, Pros and Cons
A joint investment account is an investment account for two or more people. Each owner holds the right to contribute funds, place trades and withdraw assets. While it is often used interchangeably with a joint brokerage account, it covers a broader category including joint mutual fund accounts, joint advisory or managed accounts and investment vehicles… read more…
Editor's Picks
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…
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…
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…
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
Where Seniors Are Targeted by Scams — 2026 Study
Millions of older Americans are targeted by financial scams each year. One analysis published by the U.S. Department of the Treasury found $27 billion in suspected elder financial exploitation in just a 12-month period. As digital banking, payments and communication become more common, scammers have more ways to reach victims and impersonate trusted institutions. Phishing… read more…
Where Americans Are Struggling — and Thriving
Many Americans are feeling financial stress — a majority (57%) now say their financial situation is in only fair or poor shape, according to a recent Pew Research Center survey. But that pressure is not spread evenly. In some states, residents may be contending with a tougher mix of high living costs, weaker incomes, and… read more…
Where It Pays to Be in Nursing — 2026 Study
Nursing is a calling, but it’s also a paycheck, and location can have a major impact on that paycheck’s true value. While demand for nurses exists across the U.S., compensation does not factor evenly from state to state. After accounting for differences in local costs, some states offer nurses materially stronger earning power than others,… read more…
The Gas Price Burden — Where Gas Prices Hit Hardest
The average price of regular unleaded gasoline in California has topped $6 per gallon. However, while gas prices are posted by the gallon, they’re felt by the paycheck, and a tank of gas does not hit every household budget the same way. The same fill-up can be a minor errand in one area and a… read more…
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