National Retirement Planning Experts

National Coverage
Local Professionals

Home  > Financial Articles > Retirement > How to Invest for Retirement

How to Invest for Retirement

article

If you are planning for retirement, one thing you may have heard is to start saving early to create a significant retirement corpus for your future. Having a strong financial backup is critical to a happy post-retirement life. But how do you start saving for retirement? There are several retirement investment options available to you that picking the right one for your financial needs can be confusing. Moreover, retirement life can have hurdles, like income eligibility for retirement tax accounts, tax implications, withdrawal restrictions, and more.

Over the years, retirement planning has significantly altered. Even though it looks similar from the surface, its details and intricate aspects have changed drastically. For instance, life expectancy figures in the U.S. have increased, implying a possible retirement span of 20 years against 14 previously. This, in turn, implies that you need to save a much higher sum for retirement than earlier generations. Moreover, the steeply rising inflation is another aspect making retirement planning complicated nowadays. In February 2022, inflation in the country was at 7.9%, a 40-year record high. Financial experts estimate that at the given inflation rate, a person earning $40,000 annually in pension will lose at least 25% of this value (in real dollars) within three years. If inflation keeps rising because of macro-economic events or pandemic situations, like the COVID-19, the loss of retirement corpus in real dollar terms could be much worse than the present.

You can offset the impact of inflation and create the required financial reserve for your future by choosing the best investments in retirement. Your asset choice, portfolio composition, account selection, and more directly influence your retirement savings. For instance, you might be saving a sufficient sum each month but in a non-tax advantaged account. This means the returns you earn on your money can be taxable at withdrawal. Alternatively, you can invest in one of the tax-advantaged retirement accounts, like a 401(k), an IRA (Individual Retirement Account), Roth IRA, etc., and earn significantly high returns while also saving on taxes in the long run.

Your retirement investments need to be thoughtfully placed in avenues that match your risk tolerance and give you the desired returns while keeping your tax bill minimum. The types of investments you choose to invest in depend on your financial risk appetite, age, standard of living, and desired earnings. If you require help in creating a retirement investment strategy or select the right investments based on your risk tolerance and future goals and needs, do consult with a professional financial advisor who can guide you on the same.

Here are some of best investments for retirees to consider for a secure retirement life:

1. Max out your tax-advantaged retirement accounts: 

When investing for retirement, the first thing to understand is that all investment accounts are not equal. Online brokerage accounts might allow you to invest per your choice across options, but they can lack tax advantages. Investing through these accounts could increase your tax bills, owing to high capital gains. Alternatively, tax-advantaged retirement accounts, like a 401(k), IRA, Roth IRA, etc., might not offer as much investment flexibility or asset choices, but their tax benefits are hard to ignore. Traditional IRA and 401(k) allow you to invest pre-tax dollars and earn tax-free growth over time. You only pay taxes on the earnings when you withdraw funds in retirement (a period when your tax rate is possibly lower than the present). In contrast, Roth versions of the IRA and 401(k) accounts, namely Roth IRA and Roth 401(k), allow you to invest after-tax dollars, earn tax-free returns, and take tax-free withdrawals during retirement. You can invest in Roth accounts if you estimate that your future tax bracket might be higher. However, if you think your retirement tax rate will be lower than the present, you can opt for a traditional IRA and 401(K). You also have an option to convert your traditional retirement accounts to their Roth versions, provided you fulfill some conditions. 401(k) and IRAs (traditional and Roth versions) have annual contribution limits. If you contribute to a 401(k) in 2022, you can contribute up to $20,500 if you are less than 50 years old. If you are above 50, you can contribute up to $27,500. For a Roth IRA and IRA, you can contribute up to $6,000 if you are 50 years or younger. If you are above 50 years, you can contribute up to $7,000. This is the blanket limit for all IRAs in your name. However, to contribute to an IRA or a Roth IRA, you must also meet the income eligibility limits. You can check the IRS website to find details about the income eligibility restrictions regarding an IRA and Roth IRA. Aim to qualify for all tax-advantaged retirement accounts and maximize your annual contributions so that you get tax-free growth and tax-free returns in the future.

2. Align your asset allocation with your risk tolerance: 

Your investment portfolio comprises different assets, such as stocks, bonds, cash, and cash equivalents, etc. Each asset class has its risk and returns levels. For instance, stocks are considered much riskier than other asset classes, but stock investments also have the potential to generate the highest returns in the long term. When you invest in retirement, your asset allocation depends on your risk tolerance, life stage, and financial expectations. Some financial experts recommend using the ‘100 minus age’ rule to decide your asset allocation for stocks. If you are 30 years old, you could invest 70% (100-30) of your retirement corpus in stocks and balance the remainder 30% with other assets like bonds, cash, and cash equivalents. If you are 60, you can invest 40% in stocks and the rest in bonds, etc. Stocks are riskier, and hence, retirement planners are advised to keep their stock exposure to a minimum possible. If you want a simple asset allocation model, you can choose alternate assets like exchange-traded funds (ETFs) and mutual funds. ETFs and mutual funds contain a combination of securities, giving you optimum diversification, attractive returns, and manageable risk. ETFs generally track an underlying index like an S&P 500, etc.
As you age, you need to rebalance your portfolio to accommodate your changing risk tolerance. As you get closer to retirement, your investment portfolio will become more conservative than aggressive. 

3. Choose target-date funds: 

Target-date funds are like mutual funds and ETFs and hold a mix of stocks, bonds, and other investments, but they have a fixed time frame. These funds allow your assets to grow for a specific period. Over time, these funds gradually shift your asset allocation according to the fund investment strategy. These funds work best for you if you already have a possible retirement date in mind. For instance, if you plan to retire in 2030, you can find several target-date funds in the market titled “Portfolio 2030”, “Retirement Fund 2030”, etc. These funds are specifically designed for retirees who plan to retire in or near 2030. The time period is important in these funds because the composition of these funds automatically changes such that it becomes more conservative as you approach retirement. You can also invest in target-date funds through your 401(k) plans. These plans offer default access to target-date funds. However, when investing for retirement, consider the fees and if the fund composition is right for you from a long-term perspective. 

4. Choose dividend-paying stocks for retirement stability:

If you want a steady, fixed income for retirement years, you can invest in dividend-paying stocks. These companies pay out regular dividends to their investors. These are usually well-established firms with a track record of distributing dividends to their shareholders. Dividends can be in the form of shares, cash, or cash equivalent. Dividend-paying stocks are a suitable investment for the future if you have moderate risk tolerance. These stocks offer predictable retirement income along with capital appreciation over time because of the increase in stock price. Dividend-paying stocks are ideal for financial retirement income stability or to build wealth by reinvesting dividend payments. 

ad_article

Need a financial advisor? Compare vetted advisors matched to your specific requirements.

Choosing the right financial advisor is daunting, especially when there are thousands of financial advisors near you. We make it easy by matching you to vetted advisors that meet your unique needs. Matched advisors are all registered with FINRA/SEC. Click to compare vetted advisors now.

5. Consider real estate investments: 

When people think of how to invest for retirement or where to invest for retirement, they often neglect real estate holdings and keep their focus on traditional assets like stocks, bonds, cash, etc. However, real estate can be one of the best investments in retirement. If you can manage to invest in real estate, it can be a considerably profitable investment approach. Real estate provides consistent income regardless of market performance. It is a secure asset but demands high monitoring and management. Further, it also requires in-depth knowledge and hefty capital investment. If you have the capital and good knowledge resources, you can buy a real estate property and put it up for rent to get a fixed retirement income. However, be mindful of the mortgage, maintenance, repairs, and damages. You can manage these nuances by hiring a management company, but this will reduce your overall returns. Alternatively, if you want high returns from real estate without any associated hassles, you can choose to invest in REITs (Real-estate investment trusts). REITs are a low-risk investment option compared to rental real estate. By investing in REITs, you are exposed to companies that own or mortgage commercial real estate, such as shopping malls, warehouses, apartments, retail centers, etc. They function like mutual funds to give out a stable income to investors. These companies handle buying, renting, managing, collecting rent, etc. However, they charge a fee for their services but give you hassle-free income stability in retirement. You can invest in REITs through an ETF or mutual fund. REITs have a low correlation with stocks, bonds, and other marketable securities. Hence, they are one of the best retirement investments. 

6. Pick retirement annuities: 

Annuities are retirement contracts that offer regular, long-term income payments. Annuities give financial safety and security during retirement by offering a stable income. There are different annuities available in the market. You can choose immediate annuities that instantly start generating income per your desired frequency – monthly, quarterly, monthly, or annually. You pay a lump sum to the insurance company, which, in return, guarantees to pay you a fixed sum of money according to the preferred frequency. Immediate annuities are a good source of regular income during retirement. The return on immediate annuities is higher than cash deposits. Alternatively, you can opt for variable annuities with a lifetime income rider. A variable annuity with a lifetime rider adds stability to your retirement portfolio. Variable annuities generate high returns like equity investments but also expose you to market risk. Apart from these, you can also invest in deferred annuities, where you pay the insurance company in the present to get income during the future non-working years. You can choose an annuity depending on your retirement income needs. However, it is not advisable to invest too heavily in annuities since they offer mediocre returns unless you choose variable annuities. If you want to invest in annuities, you can also consider the index annuities that help you hedge against the steeply rising inflation. Indexed annuities are a combination of fixed and variable annuities that offer a minimum guaranteed payment along with an interest rate linked to the market performance of an index, hence the name – indexed annuities. 

7. Consider QLACs – the new medium for retirement security: 

If you want to take up a secure investment for retirement, you can also think of QLAC. QLAC is a qualified longevity annuity contract where you can get regular income payments in the later stages of your life. Generally, you have to start taking withdrawals from your retirement accounts by age 72. These compulsory drawings are also known as RMDs (Required Minimum Distributions), which, if not taken in full, can lead to a penalty. With QLAC, you can extend your RMD’s age to 85 years. This means you can keep your retirement investments safe for a long period while also deferring your tax liability. Alternatively, low retirement income means you also pay low premiums for your Medicare plans (government-sponsored health covers for retirees). However, you can only use a specific amount to buy a QLAC. For 2022, you can use $145,000 to buy a QLAC that pays out indefinitely. QLACs are beneficial because they offer income certainty, but they can also be risky if you do not live long enough to see all your retirement money being used. By buying a QLAC, you lock yourself out of a certain portion of your retirement funds that you cannot use. Even though this gives you guaranteed payments, the deferment period might be much longer than you anticipate living. 

To conclude

Retirement investment is not a one-time task. It requires knowledge, time, and effort. Moreover, it can be slightly complicated to find the best investment avenues for retirees to ensure the portfolio you create aligns with your risk tolerance, life stage, and financial preferences at all times. Moreover, some retirement investment avenues can require hands-on expertise and experience to ensure you are making the right decision.

Since you are investing your hard-earned money, risking your funds might not be the perfect way to go. If you want to find the right investments for retirement, you can consider consulting a professional financial advisor. These advisors know where to invest to secure your retirement and have years of experience and expertise to support you in creating a foolproof investment portfolio structured to your individual needs.

If you want to hire a professional financial advisor who can advise you on the best investments to invest in to boost your retirement savings, use the free advisor match service and get matched with 1-3 vetted financial advisors that can help you with your unique financial needs and goals.

Search for articles

Find an Advisor
It's Fast, Free & Easy

  Your Information is Safe and Secure

article-demo

5 Ways Financial Advisors Can Deliver Value in The Face Of 2020's Challenges

2020 has been largely unpleasant for most people in all aspects. ...Read More

article-demo

How Does An Early Retirement Impact Your Social Security Benefits?

On average, a retiree can substitute 40% of their retirement income th...Read More

article-demo

Surefire Tips to Check Your Financial Advisor's Credentials

The role of a financial advisor stretches beyond just executing transa...Read More

article-demo

10 Questions To Ask A Financial Advisor

Selecting a financial advisor requires great trust. It is a critical d...Read More

article-demo

Holding vs Folding a Poor-Performing Fund: Points to Discuss with Your Financial Advisor

Analyzing the performance of a fund is not a one-dimensional approach....Read More

article-demo

Are Your Financial Advisor Fees Tax Deductible?

Even though the current advisory fees tax deductible IRS status is non...Read More

article-demo

Five Stages to Financial Independence

Achieving financial independence may seem like a pipe dream, but it ca...Read More

article-demo

4 Things You Can Do to Adapt Your Financial Plan to Market Fluctuations

The market mood is such a volatile concept, that a small change can dr...Read More

article-demo

Difference Between a Fee-Based and a Commission-Based Financial Advisor

Explore the key differences between commission-based and fee-based fin...Read More

article-demo

A Financial Advisor's Guide to Long Term Capital Gains

A financial advisor can help you understand the financial implications...Read More

article-demo

10 Attributes of Great Financial Advisors

It is quite easy and hassle-free to find a financial advisor these day...Read More

article-demo

7 Questions You Must Ask Your Financial Advisor About Taxes on Inheritance

Inheritance tax is not a federal government tax, and only a few states...Read More

article-demo

What Makes Independent Financial Advisors Different?

On a broader scale, independent and non-independent financial advisors...Read More

article-demo

7 Reasons Why You Need a Financial Advisor to Create a Financial Plan

Financial planning is a continuous process, and if done well, it can r...Read More

article-demo

Understanding Inflation and Its Effect on Your Investment Portfolio

Inflation has the potential to reduce the worth of your investments. B...Read More

article-demo

8 Ways a Financial Advisor Can Help You With Retirement Planning

A financial advisor not only helps you plan for retirement but can als...Read More

article-demo

5 Signs You Are More Prepared for Retirement Than You Realize

Not sure if you're ready to retire? Learn 5 signs indicating you're pr...Read More

article-demo

5 Things a Financial Advisor Would Tell You About Portfolio Diversification

Diversification is essential to bring profits and gains. But it is als...Read More

article-demo

Everything You Need to Know About Hiring a Fiduciary Financial Advisor

When it comes to money, you should always choose someone you can trust...Read More

article-demo

How Much Do You Need To Hire a Financial Advisor?

The costs of hiring a financial advisor can be a major consideration. ...Read More

article-demo

How and Where to Invest $100,000

Are you in possession of $100,000 and wondering what to do with it? He...Read More

article-demo

Where Can I Put My Money During An Inflation Surge?

It is important to know what to buy before hyperinflation hits to mini...Read More

article-demo

5 Things A Good Financial Advisor Will Tell You About Passive Investing

With passive investing, investors with little knowledge and time can a...Read More

article-demo

Ethical Standards You Should Expect from Financial Advisors

A financial advisor holds the strings of your financial future. Hence,...Read More

article-demo

Importance of Homeownership For Your Financial Plan

Many people contradict the benefits of owning a house with its disadv...Read More

article-demo

How To Minimize Taxes on Retirement Account Withdrawals

By using the above-mentioned tips and being careful about your retirem...Read More

article-demo

Annual Financial Review Checklist

Learn how to conduct an annual financial planning review with a comple...Read More

article-demo

Ten Tips for a Diversified Investment Portfolio

Irrespective of your financial goals, it is recommended to maintain a ...Read More

article-demo

How to Virtually Connect with Your Financial Advisor

A virtual meeting with a financial advisor can be as productive as in ...Read More

article-demo

Should You Use a Financial Advisor Affiliated with Your Bank?

Even though there is a level of risk involved in investing, it is stil...Read More

article-demo

7 Mistakes You Make While Hiring a Financial Advisor And How To Avoid Them

By cautiously avoiding these mistakes, it is likely that you will find...Read More

article-demo

9 Ways to Upgrade Your Financial Literacy

There are several ways to upgrade your financial literacy. But it is i...Read More

article-demo

How to Effectively Use Dividends for Retirement Income

No retirement income strategy comes with a guarantee. However, a divid...Read More

article-demo

10 Helpful Tips to Cope With a Loss of Income Streams

What matters more is to analyze your circumstances carefully and not ...Read More

article-demo

Can a Couple Comfortably Retire With $2 Million?

You must be confused and wondering how much couples need for a comfort...Read More

article-demo

How to Make sure If Your Parents Have the Right Financial Advisor

Financial advisors may not be able to predict the future. But they hav...Read More

article-demo

8 Situations When You Should Hire a Competent Financial Advisor

Other than these situations, you would also need a competent financial...Read More

article-demo

How a Financial Advisor Can Help During an Economic Downturn

Consulting with a financial advisor has many benefits. While an econom...Read More

article-demo

Six Investing Tips for Becoming a Millionaire

There is no one way to become a millionaire, but a combination of thin...Read More

article-demo

How A Financial Advisor Can Help You in A Low-Yield Environment

Having a limited understanding of financial instruments may lead to wr...Read More

article-demo

9 Tips to Help you Boost Your Retirement Savings

Figuring out how to boost your retirement savings can be challenging, ...Read More

article-demo

The Difference Between A Financial Counselor and Financial Planner

The roles of a financial counselor and a financial planner are quite d...Read More

article-demo

5 Must-Try Tips To Gauge The Reputation Of A Financial Advisor

Finding a reputed financial advisor is of great importance. It is a cr...Read More

article-demo

Can You Trust Your Financial Advisor?

There are all kinds of advisors – good and bad. You do not have to be ...Read More

article-demo

Ask Your Financial Advisor If Bonds Are the Safest Investment Options for You

As fixed-income securities, bonds can be a safer investment option. Th...Read More

article-demo

How Valuable is Tax-Loss Harvesting?

Tax-loss harvesting strategy reduces your tax liability on capital gai...Read More

article-demo

How Much Does a Financial Planner Cost, and Is Hiring One Worth It?

The most effective way to understand if a financial planner is worth t...Read More

article-demo

Financial Documents to Prepare Before Meeting Your Financial Advisor

After you do a thorough analysis of all the above-mentioned questions ...Read More

article-demo

Use These Benchmarks to Evaluate Your Financial Advisor

Efficient and timely management of your funds can assist in achieving ...Read More

article-demo

10 Tips to Make Your Portfolio Handle Market Volatility Well

As an investor, it helps to prepare yourself for unexpected outcomes. ...Read More

article-demo

The Difference Between Investment Yield and Return

Overall, the yield is the income from an investment. But the concept o...Read More

article-demo

When Is It 'Worth It' to Hire a Financial Advisor?

If you are still wondering are financial advisors worth it, understand...Read More

article-demo

Dangers Involved in DIY Investing Without a Financial Advisor

Even the most seasoned DIY investors are likely to make investment mis...Read More

article-demo

Critical Decisions That a Financial Advisor Can Simplify for You

A financial advisor can make you see things from a different perspecti...Read More

article-demo

How To Find And Choose A Financial Advisor

Finding and selecting the ideal financial advisor can be confusing. Bu...Read More

article-demo

Should You Discuss After-Tax Contributions to Retirement Plans With Your Financial Advisor?

There are multiple retirement plans, each with different rules regardi...Read More

article-demo

The Need for Financial Advisors to Guide you Through Market Volatility

By its nature, the market will always witness boom and bust cycles. Ho...Read More

article-demo

How to Invest for Retirement

The right retirement options are based on risk tolerance and goals. Th...Read More

article-demo

Seven Common Money Mistakes Advisors Have Seen Their Clients Make

“I will never financially recover from this”- something you must have ...Read More

article-demo

Ask Your Financial Advisor How Expense Ratios Work

High expense ratios can eat into your profits and nullify the reason t...Read More

article-demo

5 Reasons Why Robo-Advisors Can't Do the Job as Well As Humans Can

Robo-advisors may be marketed as an invention that is here to stay for...Read More

article-demo

What Financial Benchmarks can a Financial Advisor Help you Achieve?

The contribution of a financial advisor in helping you achieve your fi...Read More

article-demo

Financial Advisory Asset-Based Fees: How Do They Work?

Choosing the perfect financial advisor is easier said than done. You n...Read More

article-demo

Investment Policy Statements: What It Is and How To Write One

The IPS is like a business plan for your portfolio. This critical docu...Read More

article-demo

Pros and Cons of Hiring a Robo-Advisor

Robo-advisors have carved out their space in the market. But the chang...Read More

article-demo

Are Financial Advisors Worth The Cost?

There is no direct or a short answer to the question – is a financial ...Read More

article-demo

How Much Value Does A Financial Advisor Provide?

Hiring a financial advisor can add great value to your financial plann...Read More

article-demo

It May Be Time For You to Find a New Financial Advisor

It is essential to spot some signs that it may be time to change your ...Read More

article-demo

How Can A Financial Advisor Help You Meet Your Goals

A good financial advisor can offer you exemplary advice. These experts...Read More

article-demo

Tips on How to Assess the Work of Your Financial Advisor

There is no fixed standard or a defined way to assess your financial a...Read More

article-demo

Ten Low-Risk Retirement Portfolio Strategies

Holding on to riskier investments like stocks is important to generate...Read More

article-demo

How to Find Qualified Financial Advisors That Assist High-Net-Worth Individuals

High-net-worth financial advisors can simplify many things for you. Ho...Read More

article-demo

The Need For Honest Conversations With Your Financial Advisor

When you open up with your financial advisor completely, you are allow...Read More

article-demo

6 Ways a Competent Financial Advisor Can Help You Achieve Your Financial Goals

A competent financial advisor offers essential services, allowing you ...Read More

article-demo

Is SSIRS (Spend Safely in Retirement Strategy) The Right Retirement Strategy for You?

The SSIRS is a straightforward, easy-to-implement strategy. However, t...Read More

article-demo

Find and Apply the Best Tax Strategy for Your Retirement Income

The right tax planning strategies for retirees can change the course o...Read More

article-demo

Where Do The Affluent Go For Wealth Advice?

Wealth management advisors offer expert investment advisory services t...Read More

article-demo

Important Financial Planning Questions a Financial Advisor Can Answer for You

A competent financial advisor can help you simplify all the above situ...Read More

article-demo

How Does a Deferred Retirement Option Plan (DROP) Work?

Deferred retirement options plans can be a good option for people who ...Read More

article-demo

15 Questions to Ask a Financial Advisor in 2025

Here are some of the best questions to ask your financial advisor in 2...Read More

article-demo

Do You Need an Investment Advisor?

Hiring an investment advisor is your choice. And now that you know wha...Read More

article-demo

How To Conduct a Financial Checkup

Financial health checkup helps you to evaluate your investments and sa...Read More

article-demo

Small Business Retirement Plans: How to Choose the Best Strategy for Your Needs

There are many retirement plans for small business owners to choose fr...Read More

article-demo

How to Find the Best Financial Advisor For Your Needs

Finding the right financial advisor for your case might not be an easy...Read More

article-demo

Why Do You Need More Than One Financial Advisor?

Multiple financial advisors add value to your life in several ways. Bu...Read More

article-demo

Traditional Financial Advisors Versus Virtual Financial Advisors

While the two types of financial advisors have their own share of pros...Read More

article-demo

10 Questions All Financial Advisors Should Ask Their Clients

Financial advisors should be very clear about client needs and goals. ...Read More

article-demo

How Much Money Does a 45-Year-Old Need to Invest to Become a Millionaire?

Everyone wishes to have a comfortable and hassle-free post-retirement ...Read More

article-demo

7 Reasons Why You May Need to Hire A Financial Advisor

A financial advisor helps in choosing the right investments to boost r...Read More

article-demo

7 Mistakes People Make When Hiring a Financial Advisor

Choosing the right financial advisor is crucial to protecting and grow...Read More

article-demo

4 Tips For a Successful Investment Journey

Successful investing requires years of practice, experience, and strat...Read More

article-demo

14 Signs a Financial Advisor is Bad for You

A financial advisor check is a crucial activity to meet financial goal...Read More

article-demo

A Guide on Financial Advisor Fee Structures and Costs

It is necessary to know the typical fee structures for financial advis...Read More

article-demo

7 Common Investing Myths Debunked

Uncover the truth behind 7 common investing myths and learn how to mak...Read More

article-demo

Smart Money Moves Post-Retirement to Make Your Retirement Savings Last Longer

Explore essential smart money moves post-retirement to help stretch yo...Read More

article-demo

3 Things To Look For In A Suitable Financial Advisor

Is it worthwhile to have a financial advisor? This article explains im...Read More

article-demo

15 States That Are Most Expensive for Early Retirees

Explore the 15 most expensive states for early retirees. Discover cost...Read More

article-demo

Pros and Cons of The 4% Rule in Retirement

Here are the Pros & Cons of the 4% Retirement Rule that will help you ...Read More

article-demo

6 Types of Retirement Income That Aren’t Taxable

Explore some of the common types of non-taxable retirement income so t...Read More

article-demo

I am a Financial Advisor: 5 Common Retirement Planning Mistakes I See And How To Avoid Them

Learn from financial experts about typical retirement planning errors ...Read More

article-demo

How to Set Realistic Investing Goals

Setting investment goals requires an in-depth analysis of your needs a...Read More

article-demo

Tips to Keep Your Emotions Out of Investing

Learn to manage your emotions in investing with practical tips from Fi...Read More

article-demo

How to Retire Amid High Inflation

The impact of inflation can be extremely severe for retirees as they h...Read More

article-demo

A Guide to Preparing for an Effective One-Off Session with Your Financial Advisor

Make the most of your one-off session with a financial advisor. Our bl...Read More

article-demo

8 Smart Financial Goals You Can Implement Right Now

Set and achieve smart financial goals for lasting prosperity. Start no...Read More

article-demo

What to Do in the 1-Year Countdown to Retirement

Read this blog to get a head start on retirement planning with tips fo...Read More

article-demo

Why John Hired a Financial Advisor, and You May Benefit From One Too

Discover why John opted for a financial advisor and explore if this co...Read More

article-demo

7 Things To Do To Help Ensure Your Money Lasts for Generations

Learn 7 actionable tips to make your money last for generations. Secur...Read More

article-demo

What is the Best Investing Approach? Bottom-Up vs. Top-Down Investing

Let us compare two investing analysis strategies - top-down vs bottom-...Read More

article-demo

Is Your Financial Advisor Really Helping You?

It is crucial to understand how does a financial advisor work. This is...Read More

article-demo

Should I Hire an Independent Advisor or a Large Firm To Manage My Investments?

When determining the type and extent of financial guidance, it's criti...Read More

article-demo

Why People Who Use a Financial Advisor Do Better Than Those Who Don’t

Financial advisors can offer huge benefits to their investors. Read an...Read More

article-demo

Why High-Net-Worth Individuals Need A "Real" Professional Financial Advisor

Financial Planning can be very challenging for high-income groups. Lea...Read More

article-demo

Wealth Management Services Every High-Net-Worth Individual Should Consider

Find out the high-net-worth wealth management services every high-inco...Read More

article-demo

What do High-Net-Worth Investors Want From Wealth Managers?

High-net-worth financial planning is more complicated because of finan...Read More

article-demo

8 Places to Put Your Money to Maximize Your Savings

With so many investment & savings options, you get confused about wher...Read More

article-demo

How a Financial Advisor Can Help You Understand the Tax Implications of Your Investments

Understanding the tax implications of your investments is crucial to y...Read More

article-demo

6 Expenses You No Longer Need in Retirement

A lot of people overestimate their retirement needs and get burdened. ...Read More

article-demo

Can I Retire at Age 60? An Investment Guide

Learn some of the best strategies for financial planning to retire at ...Read More

article-demo

Ask Your Advisor These 8 Questions During Your Annual Review

Asking the right questions helps you to identify the expertise of your...Read More

article-demo

A Shift from Saving to Investing May Make a Million-Dollar Difference

Learn how investing can create a million-dollar difference in your fin...Read More

article-demo

4 Retirement Accounts To Consider For Your Side Hustle

A retirement side hustle is a great way to keep yourself engaged after...Read More

article-demo

How Much to Save Per Month for Retirement

Calculating a monthly savings goal for retirement planning can be quit...Read More

article-demo

What is BrokerCheck and How Can It Help Investors?

Learn everything about the FINRA BrokerCheck tool and understand how i...Read More

article-demo

Why Fiduciary Advisors Are Considered the Better Choice for Financial Advice

Fiduciary financial advisors are legally bound to protect their client...Read More

article-demo

10 Times You Need To Talk To A Financial Advisor

Consulting with a financial advisor is crucial for investment manageme...Read More

article-demo

How to Prepare for a Phased Retirement

Learn how phased retirement works, its benefits, and how to prepare fo...Read More

article-demo

Retirement Strategies That May Help Survive Financial Risks

Find key retirement strategies designed to safeguard your funds and en...Read More

article-demo

4 Signs You Need to Change Your Investment Strategy

Learn the 4 key signs that suggest it’s time to change your investment...Read More

article-demo

Will Inflation Affect My Retirement?

Inflation can negatively impact your retirement in a number of ways. L...Read More

article-demo

Do I Need a Financial Advisor for my 401(k)?

Your 401(k) deserves personalized investing advice. This article will ...Read More

article-demo

9 Ways to Prepare for Retirement in Your 50s

To be able to retire at 50, it is important to have enough savings and...Read More

article-demo

3 Advanced Investment Strategies for Experienced Investors

Take your investment game to the next level with this article introduc...Read More

article-demo

10 Reasons to Seek a Financial Advisor's Advice

Seeking the advice of a financial advisor is one of the best investmen...Read More

article-demo

What is a Fee-Based Investment?

Learn everything about fee-based wealth management and understand the ...Read More

article-demo

8 Misconceptions About Investing That Can Hurt Your Portfolio’s Performance

Avoid risking your portfolio's performance due to investing myths. Div...Read More

article-demo

How Much Value do Advisors Add for the Typical Client?

Read and understand how financial advisors can add value to their clie...Read More

article-demo

8 Short-Term Investments To Consider in 2022

Short-term investments are great if you want to invest for a relativel...Read More

article-demo

The Value of Financial Advice During Volatile Markets

Market volatility is out of control, and without guidance, you will be...Read More

article-demo

Pros and Cons of Choosing a Fee-Only Financial Advisor

Learn everything about fee-only financial advisors, and their pros and...Read More

article-demo

Things to Include in a Financial Advisory Agreement

This article discusses the key elements that should be included in a f...Read More

article-demo

Strategies to Maximize Your 401(k)

Maximizing your 401(k) is essential to secure a comfortable retirement...Read More

article-demo

5 Strategies You Can Adopt If You're Investing on a Budget

Investing on a budget? Explore 5 proven strategies to optimize your in...Read More

article-demo

How to Find a Financial Advisor for Your Retirement

Learn how to find a financial advisor for your retirement. Ask the rig...Read More

article-demo

Investing Do's and Don'ts During Market Volatility

Investing in volatile markets can be stressful, and securing your inve...Read More

article-demo

10 Ways To Transition into Retirement When You Haven’t Saved Enough | Financialadvisor.net

Explore 10 practical strategies to transition into retirement even if ...Read More

article-demo

Planning to Keep Working into Retirement? Follow These Tips to Secure Your Financial Future

Planning to work into retirement? Get vital financial strategies and t...Read More

article-demo

How to Rebalance Portfolio Without Selling Investments

Learn how to rebalance your investment portfolio without selling asset...Read More

article-demo

How Financial Professionals Become Like Family

Discover how family financial advisors go beyond financial guidance to...Read More

article-demo

Where to Invest Your Emergency Funds in Retirement

Learn where to invest your emergency funds in retirement. Explore diff...Read More

article-demo

Why Do Recent Retirees Want To Go Back To Work?

Discover the reasons behind recent retirees opting to go back to work....Read More

article-demo

What Is Dollar-Cost Averaging, and How Can You Invest With It?

Explore the advantages and disadvantages of Dollar-Cost Averaging and ...Read More

article-demo

6 Red Flags to Look Out for While Hiring a Financial Advisor

Hiring a financial advisor is crucial for achieving long-term financia...Read More

article-demo

3 Times When Financial Guidance Can Make a Big Difference

Explore the impact of financial guidance in three crucial areas and un...Read More

article-demo

How Financial Advisors Can Help with Your Mental Health

Learn how financial advisors reduce financial stress, boost confidence...Read More

article-demo

Ways to Find the Best Financial Advisor for Your Situation and Budget

Discover practical tips on finding the best financial advisor tailored...Read More

article-demo

How to Find the Type of Financial Advisor You Need

Find the right financial advisor for your needs. Compare CFPs, wealth ...Read More

article-demo

Here's How Much You Need to Retire in the Top 10% of Americans — Are You on Track?

Discover how much you need to save to retire in the top 10% of America...Read More

article-demo

Should You Switch Financial Advisors When You Retire?

Considering a change in financial advisors for retirement? Explore key...Read More

article-demo

Why the Demand for Holistic Financial Advice is Growing Among Affluent Investors

Understand why the demand for holistic financial advice is growing amo...Read More

article-demo

Go It Alone or Hire a Financial Advisor to Boost Your Retirement Savings?

Wondering whether to manage your retirement savings yourself or hire a...Read More

article-demo

How to Make $1 Million Last 30 Years in Retirement

Without careful planning, you could run out of money when you need it ...Read More

article-demo

When and How Often Should You Rebalance Your Portfolio?

Understand the best practices for portfolio rebalancing and how to dec...Read More

article-demo

A Financial Advisor's Initial Advice To New Clients

Learn how financial advisors build strong foundations with new clients...Read More

article-demo

Retired at 50 with 650k? How to Invest After Retiring Early and Avoid Running Out of Money

Retiring at 50 with $650,000 may seem like an ambitious goal even afte...Read More

article-demo

How Your Investments Should Change as You Grow Older

Discover how to adjust your investment strategy as you grow older. Lea...Read More

article-demo

Don't Forget to Share This Information with Your Financial Advisor

Build a solid foundation for financial planning by sharing comprehensi...Read More

article-demo

Factors Beyond An Advisor’s Credentials That Matter When Hiring a Financial Advisor

Learn what to look for beyond credentials when choosing a financial ad...Read More

article-demo

4 Key Steps to Take Now if You Plan to Retire in 10 Years

Learn how a well-structured 10-year retirement plan can enable you to ...Read More

article-demo

Investment Strategies in a Low-Interest Rate Environment

Learn the nuances of investing in a low-interest rate economy. Gain in...Read More

article-demo

Why Millionaires Rely on Advisors for Their Extended Financial Strategies

Learn how advisors play a pivotal role in supporting millionaires' fin...Read More

article-demo

5 Ways to Invest $100,000 for Long-Term Wealth

Explore effective ways to invest $100,000 for long-term wealth. Secure...Read More

article-demo

What You Need to Know Before Diving into Alternative Investments

Alternative investments can provide diversification and the potential ...Read More

article-demo

Why Authenticity Matters for Financial Advisors in Building Trust with Clients

Discover why authenticity is crucial for financial advisors in fosteri...Read More

article-demo

Avoid These Money Moves in Your 70s

Avoid common financial mistakes in your 70s with expert advice and ens...Read More

article-demo

Why Using a Financial Advisor is Better Than Receiving Advice from TikTok

Learn why financial advisors offer superior guidance compared to Tikto...Read More

article-demo

5 Things to Consider While Vetting a New Financial Advisor

Choosing a financial advisor? Consider these 5 vital factors to build ...Read More

article-demo

Should You Consider a One-Time Financial Plan from a Financial Advisor?

Unlock financial clarity with a one-time financial plan. Explore the b...Read More

article-demo

Understanding Commission-Free Annuities and Their Role in Retirement

Discover the benefits of commission-free annuities in retirement plann...Read More

article-demo

Long-Term Investment Strategies to Achieve Substantial Portfolio Returns

Discover proven long-term investment strategies to grow your portfolio...Read More

article-demo

What are the Different Types of Financial Advisors?

Explore the diverse world of financial advisors. Choose the right type...Read More

article-demo

4 Ways Financial Advice Can Improve Your Financial Well-Being

Unlock the benefits of financial advice. Learn how experts can enhance...Read More

article-demo

Who are Financial Advisors and What Do They Do?

Explore the realm of financial advisors: who they are, what they do, a...Read More

article-demo

Retirement Planning Tips for Single Mothers

Learn how single mothers can achieve retirement security. Explore savi...Read More

article-demo

The Average Middle-Class Retirement Savings and Tips to Save More

Learn about the average middle-class retirement savings and get practi...Read More

article-demo

Why Speculation May Be a Risky Investment Strategy

Learn about the risks and rewards of speculative investing. Find out w...Read More

article-demo

Long-Term Investment Strategies Recommended by Financial Advisors

Learn from financial experts about proven long-term investment strateg...Read More

article-demo

How a Financial Advisor Can Help You Achieve Your Financial Resolutions

Explore the impact of financial advisors on achieving resolutions. Lea...Read More

article-demo

You May Need Help From a Professional for Your Retirement if You Have Less Than $150K in Your 401K

If your 401(k) is below $150K, professional guidance can boost your re...Read More

article-demo

The Role of Financial Advisors in Building an Alternative Investment Strategy

The Role of Financial Advisors in Building an Alternative Investment S...Read More

article-demo

What High-Net-Worth Investors Want from Financial Advisors?

Learn what high-net-worth investors expect from financial advisors for...Read More

article-demo

Strategies to Safeguard Your Wealth Against Rising Inflation

Discover some effective strategies that can help safeguard your wealth...Read More

article-demo

How to Find an Old or Neglected 401k Account

Learn how to find a lost 401(k) account and what to do with it once yo...Read More

article-demo

How to Grow Your Retirement Funds if You are Over 55

Discover what strategies you can employ to grow your retirement funds ...Read More

wiseradvisor-banner

The blog articles on this website are provided for general educational and informational purposes only, and no content included is intended to be used as financial or legal advice.
A professional financial advisor should be consulted prior to making any investment decisions. Each person's financial situation is unique, and your advisor would be able to provide you with the financial information and advice related to your financial situation.