
Day Trading vs. Swing Trading: Strategies, Risks and Benefits
Day trading focuses on fast moves within a single day, while swing trading holds positions for several days to follow trends. You might pick day trading if you want constant market activity and can commit full time, or swing trading if you prefer less screen time and are comfortable holding positions overnight. A financial advisor… read more…

Early Withdrawal Penalties for Annuities and Exceptions
Because annuities are designed to provide long-term income, accessing funds too early can trigger an annuity early withdrawal penalty. Insurance companies typically impose surrender charges if you withdraw money within the first several years, and the IRS may add a 10% penalty on withdrawals before age 59 ½. These costs can reduce the value of… read more…

Pension vs. 403(b): Pros and Cons for Each
Pensions and 403(b) plans represent two distinct ways to save for retirement, each with its own structure and advantages. A pension provides a predictable income stream in retirement, usually funded and managed by an employer. A 403(b), on the other hand, relies on employee contributions and investment growth, giving individuals more control but also more… read more…

I’m 63 With $1.35 Million in My IRA and a $2,200 Social Security Check. What’s My Retirement Budget?
By your 60s, most of your retirement foundation is already in place. While you may still have a few years to save, building significant new wealth is less likely unless you continue working during retirement. This stage typically shifts focus to taxes, withdrawals, Social Security and budgeting. To help you create a retirement budget, let’s… 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…

5 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

U.S. Cities With the Highest Income Growth – 2025 Study
Nationwide, the median household income reached $83,730 in 2024, growing just 1.3% year over year. This means many households did not keep pace with the roughly 3% inflation rate during the same time period, but that was not true everywhere. Especially in large cities where residents often pay a premium for convenience, infrastructure and amenities,… read more…

How Much Are OBBBA Provisions Worth to American Households? 2025 Study
Provisions of the One Big Beautiful Bill Act (OBBBA) offer Americans additional tax deductions and credits that will take effect for tax year 2025, with many lasting through 2028 and beyond. Many people should expect some tax savings, as the provisions incentivize a wide net of statuses and activities, including young families, seniors, tipped workers,… read more…

America’s Safest Cities – 2025 Study
City safety – or lack thereof – can lead to great disparity in quality of life and return on dollars invested by residents, businesses and government alike. In August, the Trump administration issued an Executive Order declaring a crime emergency in Washington, D.C. The federal government subsequently leveraged the local police force and deployed over… read more…

Best Community Colleges – 2025 Study
Community college can be the pathway to creating more lifelong income, with associate’s degree holders earning 14% more – or $6,496 more per year – than those with a high school education. But while tuition and fees tend to be less expensive for community colleges than four-year degrees, it still costs a median $5,040 per… read more…
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