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Wiser Wealth Management Blog

good news
Research & Economic Commentary

Good news: Death on the decline, spending up

After months of bad news related to the coronavirus, it is a relief that there is some good news to report on the pandemic. Although the number of COVID19 cases is on the rise and all over the headlines, the number of COVID19 related deaths seem to be on the decline. As of June 25, 2020, there were 0.18 deaths in the US per 100,000 people. This could be due to younger people getting the virus and surviving. Data and history from 1918 still support

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work from home
Podcast

Working from Home and Your Portfolio

Millions of people are now working from home due to COVID-19. The Wiser team discusses the pros and cons of our new work environments and how working from home is affecting investment portfolios. Real estate investment trusts (REITs) are a key consideration when constructing any equity or fixed-income portfolio and have seen changes since the onset of coronavirus. The team also discusses companies and industries that will benefit from the working from home trend. Listen now on Itunes/Apple Podcasts Or on YouTube: SHOW SUMMARY “Are

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Retirement & Investing

Traditional 401k or Roth 401k?

Since the reduction in the number of pensions across America, the popularity of the 401k has increased and become paramount to employee’s retirement success. Retirees used to live off of their pensions, social security and any additional savings they had accumulated. However, most companies have gone away from pensions and transferred the planning to the employee. The 401k was created after Congress signed the Revenue Act of 1978 where there was a provision in the Internal Revenue Code-Section 401k – which deferred taxation of employee’s

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Podcast

Covid-19 Recovery

The Wiser Wealth team discusses the current state of the market, economy and Covid-19 recovery. What can history teach us about how we should respond to today’s market volatility? Listen now on Itunes/Apple Podcasts Or listen through YouTube: You can also find this episode on your favorite podcast listening app, like Google Podcasts, TuneIn Radio, Stitcher, and Spotify. SHOW SUMMARY “The market is up and main street is on fire.” The coronavirus pandemic has affected us all in ways no one could have imagined. The absence of live sports, restaurants

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investment portfolio
Podcast

How to Build an Investment Portfolio

How should someone build their investment portfolio in a 401k or 403b retirement savings account? How does this differ from how a portfolio is invested once a person enters retirement? The Wiser team discusses the differences in today’s podcast. Listen now on Itunes/Apple Podcasts Or on YouTube:   You can also find this episode on your favorite podcast listening app, like, Google Podcasts, TuneIn Radio, Stitcher, and Spotify. SHOW SUMMARY Constructing a portfolio can be challenging. The notable risk factor paired with market uncertainty can be enough to scare one

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Podcast

The Business of Financial Advice

The Wiser Wealth Management Roundtable podcast has officially launched!  We are excited to have the team of Casey T. Smith, Brad Lyons, CFP® and Matthews Barnett, CFP®, ChFC®, CLU®, explore topics related to personal finance, investing and relevant financial business news and topics. The Wiser Wealth Management Roundtable podcast believes the best financial advice should be conflict-free. Today’s topic is the business of financial advice. Financial advisor compensation is complex and sometimes difficult to understand. Three types of financial advice are explored: Fee-only, Fee-based and

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financial planning
Podcast

What is Financial Planning?

Why should everyone have a financial plan? What should a financial plan include and what are the best questions to ask your advisor? On today’s podcast, the Wiser Wealth Management team discusses what to look for when you seek financial planning services. Listen now on Itunes/Apple Podcasts Or through YouTube: You can also find this episode on your favorite podcast listening app, like Google Podcasts, TuneIn Radio, Stitcher, and Spotify. SHOW SUMMARY “By failing to prepare, you are preparing to fail.” – Benjamin Franklin In the first Wiser Roundtable

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recession
Debt & Credit

How to recession-proof your household

Statistically, most families are not prepared for a personal recession. On this podcast episode, the Wiser Roundtable team discuss five ways to recession-proof your household. These steps include developing a household budget, eliminating debt, setting up an emergency savings fund, protecting your portfolio and updating your resume. Listen now on Apple Podcasts or on YouTube: Is your household ready for a recession?  In 2019, American families were living through one of the most prosperous times in our country’s history. A low 3.6% unemployment rate and

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fiduciary
Fiduciary

Fiduciary advisors don’t sell, they guide

Working with a fiduciary, at a Fee-only RIA firm which places your best interests above all else, can help you analyze the myriad of financial products and choose only those products that are designed with the specific purpose of achieving your goals – not someone else’s. All financial products including those from the banking, brokerage and insurance businesses are created for a purpose. That purpose can be thought of as either good or bad depending on your perspective. If a consumer buys a financial product

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work from home
Research & Economic Commentary

Is work from home the new normal?

Over the past few months, working adults of all ages have been working from home and have had to learn to communicate via Zoom, GotoMeetings, Google Hangouts/Meets, WebEx and/or Microsoft Teams. We have come to realize that, while there may be better comradery and company culture in an office, the ability to have conversations with employees and bosses can still be managed from home or remote locations. After the coronavirus pandemic settles, will companies go to remote work, hybrid models or back to business as

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Some good economic news this morning following June jobs report as it was announced U.S. jobs increased 4.8 million in June vs the 2.9 million anticipated. Also, Unemployment rate now down to 11.1%. #coronavirus #unemployment #joblessclaims #payrolls

Finally a bit of good news to share! #COVID19 deaths are on the decline and consumer spending is up. Read more in our latest Wiser Wealth Management #blog. https://conta.cc/2VGHjoO @wiserinvestor

A new Wiser Roundtable #podcast is now available! Check it out on Apple Podcasts or your favorite listening app. This week the team discusses how to #recession proof your household. #budget #debt #savings https://conta.cc/2YT4a1k @wiserinvestor @moneyguypro @cashflowcaptain

Dow just had its best quarter since 1987, and Nasdaq best since 1999. However, there are many challenges moving forward next quarter. Today Steven Mnuchin and Jerome Powell had differing opinions on the economic environment. #coronavirus #COVID #Stocks #StockMarket
#reopening

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