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(NextAvenue) Throttle back spending, use side gigs to generate cash and buy good but affordable health insurance until you nail that new job
(Experian) To pay off debt, financial planners recommend prioritizing your debts based on balance or interest rate, tracking your spending, cutting back and considering strategies such as consolidation.
(The Balance) Mortgage rates tend to fall during a recession. This doesn’t directly impact existing homeowners with fixed-rate mortgages. However, it’s good news for those with adjustable-rate mortgages or prospective homeowners looking to buy.
(FinancialPlanning) Many American couples decide to combine their finances. A study by the financial services firm Bankrate found that 77% of married couples have at least some joint financial accounts, and 43% only have joint accounts, keeping nothing separate.
(WealthManagement.com) Not every advisor sees a role for alternative investments like private placements or nontraded REITs. For those who do, making the allocations in reaction to declines in traditional portfolios is a mistake.
(The Penny Hoarder) Ryan spoke with Rachel Christian on the importance of keeping bitcoin in self custody and why most of “crypto” will fail over the long-term.
(Financial Planning) Ryan spoke with Financial Planning about the collapse of FTX, the difference between Bitcoin and “crypto,” and why Citrine Capital still recommends that investors hold some Bitcoin in their portfolios.
(Bankrate) Most people know they should be saving a portion of their income, but they might not grasp all of the benefits of doing so. In this article Kiersten shares her views on the top 6 reasons to save your money.
(Nerdwallet) Kiersten covers how financial advisors can help LGBTQ+ people realize their goals and ensure their wishes are honored.
(Time/NextAdvisor) Cryptocurrency officially hit the New York Stock Exchange this week, with the introduction of a new Bitcoin-linked fund.
(ThinkAdvisor) In the last few years, advisors have faced a new push by some young clients who want to retire early — very early. The phenomenon is called FIRE, which stands for Financial Independence, Retire Early.
(Money) It’s a familiar worry: is everyone in my family financially provided for? Is there anything I can do for them? Sefa provides her expertise on giving money to family members without making it awkward.
(Nerdwallet) Ryan spoke with nerdwallet about the pros and cons of earning interest on digital currencies.
(Bloomberg) Ryan spoke with Bloomberg about indirect investments alternatives when dipping your toes into cryptocurrencies.
(MarketWatch) When investment adviser Jirayr Kembikian meets prospective clients, he likes to ask, “What are you paying your current adviser?”
(Forbes) As you plan for retirement, the best way to stay active, healthy and engaged as you age could be to do something drastic: Move abroad.
(Time) Jirayr spoke with NextAdvisor about using donor advised funds to donate more to charity while saving on taxes.
(Business Insider) The choices we make today have a big impact on the options we have tomorrow. There's no instance where that's clearer than in retirement savings.
(CNN Business) Sefa recently spoke with CNN Business about the latest version of the FICO score, a three-digit number that assesses a person's credit risk. The new scoring model will take consumers' debt levels into account and will more closely track personal loans.
(The New York Times) Ryan spoke with the New York Times about the recent round of tech I.P.O.s that were supposed to make people megarich.
(Redfin) Are you thinking of buying your first home? Before you hire a real estate agent or start house hunting, you need to take the time to prepare yourself financially.
(CNN Business) You're in good financial shape. You've already paid off debts, built up an emergency cash reserve, and invested for retirement. Now you've got some extra cash. What should you do with it?
(The Wall Street Journal) Jirayr spoke with the Wall Street Journal about the things you should consider when banks offer rate cuts, special pricing and other discounts and incentives.
(KTVU-TV/Fox News) It pays to know your money personality! Jirayr stopped by KTVU-TV to talk about 5 personality types that drive financial decision making and strategies to help you achieve your goals.
(Yahoo Finance) Ryan discusses how to select investments that maximize social and environmental impact. Keep these eight rules handy when constructing a socially responsible portfolio.
(Investment News) Investment advisers say their clients were surprised by higher tax bills and lower refunds this year, a shock increased by their expectations of less pain due to tax reform.
(KTVU-TV) Jump-start your spring by sparking joy with your finances. Jirayr sat down with KTVU-TV to share 5 tips to tidy up your accounts and #retirement goals.
(Business Insider) A comfortable retirement is built on years of consistent saving, investing, and planning. If you're aiming to quit work in 10 years, giving attention to a few specific areas can make post-retirement life that much easier.
(Business Insider) It's never too early to start saving for retirement, unless you're also carrying high-interest debt.
(Financial Planning) At the end of a long, successful career, the thought of retirement can be quite anxiety-inducing for some clients.