Casey Smith

Social Security – Don’t Rush for the Payout

When planning for clients we use social security optimization tools to help us give the best advice. Many clients initially think that taking SS at 62 or full retirement age is the best. Not necessarily. This recent article from Vanguard does a great job describing our thought process. For most Americans, Social Security is a big part of their retirement income An estimated 91% of Americans aged 65 or older receive Social Security benefits1—the average annual benefit for a retiree is about $16,000.2 For most […]
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Buy House or Payoff Student Loan

My goal is to save about $60k for a down payment on a condo in FLL. I also have about the same amount, $60k, left to pay on my student loan. I’ve been going back and forth with which goal I should attack first. On one hand, I want to make the purchase in Florida before home prices rise too much higher, and before interest rates rise too much higher as well. Moving to Florida will also save me a large chunk of cash monthly […]
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Casey Smith Interviewed on Business Radio X

Casey Smith was interviewed on Business Radio X in Atlanta. He talked about fiduciary fee-only advisory services and Wiser’s role in a very confusing financial services industry. You can listen to the broadcast here.
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Wiser Wealth Sponsors LMK Foundation’s Casino Night

Wiser Wealth Management is a lead sponsor for the LMK Foundation Casio Night on March 12th, 2016 at the Marietta Country Club. We invite our clients and friends of Wiser to join us for a fun evening for charity. The foundation works to assist families who are caring for a loved one with Alzheimer’s and other dementias. The LMK Foundation accomplishes its goal three ways:  by providing short-term respite care to caregivers from the demands of caring for one with Alzheimer’s or dementia; by offering […]
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Why Stocks Went Down When Oil Went Down

Equity markets descended in January alongside oil prices, while testing new lows with a visible increase in volatility. Oil’s dramatic price drop has been a catalyst for stock prices heading lower, a so-called correlation that has actually existed for years. There are various theories as to how oil and stock prices might be correlated, yet one of the most accepted revolves around macro economic global dynamics. Oil is the most traded and actively utilized commodity in the world whose consumption represents the economic activity worldwide. […]
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Social Security Planning Update – A Loophole is Closed

During the financial planning process here at Wiser, we use planning software to determine the best strategy to take Social Security benefits. Social Security can be applied for and received in many different ways. A lot of clients assume that they should take it as soon as possible, but for many this option could hurt them in the long run. Assuming you did planning, a common way to take Social Security for a couple was called file and suspend. The file and suspend method worked […]
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ASA Empower 401k Change

TO: Atlantic Southeast Airlines 401k Plan Participants On November 2, 2015 some changes took place in the ASA Empower 401k plan. In the letter to plan participants, Empower announced that they were changing the share class of the fund. Different share classes of mutual funds generally give discounts on management fees for larger investments. It makes sense that a 401k plan the size of ASA’s should be getting preferred pricing. The Empower notice is actually moving funds from the discounted share classes to, in some cases, […]
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Checking a Broker’s Background Gets a Mandatory Link

FINRA, the regulatory authority for stock brokers and investment advisors, has recently approved a new rule requiring brokers to place a link on their webpage to connect the retail client to the FINRA broker check website. The FINRA broker check site provides professional background checks on advisors, disclosing client complaints and professional disciplinary actions against the advisor. The link, unfortunately, is not required to take the viewer all the way to the broker’s background. Instead the viewer will need to enter the brokers name or […]
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Casey Smith was a Guest on School For Startups Radio

Casey Smith was recently interviewed by Jim Beach, the host of School For Startups Radio. Jim’s show is on 12 am/fm radio stations and also available online. You can view/listen to Casey’s interview at the link below: Casey Smith on School For Startups Radio.
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Casey Smith’s Teaching Children About Money Article Published in AJC

In the September 23rd edition of the Atlanta Journal and Constitution, Casey Smith was a guest writer, submitting his article on  Teaching Your Children About Money. A different version of the article also appeared in the Cobb Business Journal. The original blog can be found here. AJC article here.
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