Blog Posts - Wiser Wealth Management - Marietta, GA

How does your car payment compare?

Taking out a car loan is the way most Americans can afford to purchase a car.  The current average loan size of a new car loan is $32,187 and the average for a used car is $20,137.  Average amounts for all auto loans have risen steadily over the last ten years to a record breaking $23,438 in December of 2018.  This equates to the average monthly payment for a new car in Q1 2019 of $554.  This is more than half the average US mortgage […]
read more

Robert Swarthout joins Advisory Board

We are excited to announce the addition of Robert Swarthout to our Advisory Board.  The Wiser Wealth Advisory Board currently has four members who provide guidance to Casey Smith and the Wiser Wealth Management team with long-term business planning and strategy. Robert Swarthout is a 2004 graduate of Berry College where he holds a B.S. in Computer Science with a business minor. Upon graduation, he co-founded PaperBackSwap.com and was involved in that business until early 2008. In 2009 he co-founded ShootProof.com, a SaaS platform that […]
read more

Myths about credit scores

The Wall Street Journal recently published an article titled “9 myths about credit scores.”  Knowing what actions truly impact your credit score is crucial if you are working on improving your credit score.  A higher score can mean better terms on credit cards, lower mortgage rates and less expensive premiums on insurance (to name a few). With these things in mind, let’s discuss a few of the myths the article outlines. Myth 1 – Checking my credit score hurts my credit score. There are two […]
read more

Casey Smith Five Star Wealth Manager

Casey Smith has been named a Five Star Wealth Manager by Five Star Professional.  The award is featured in the October 2019 edition of Atlanta Magazine. Each year, Five Star Professionals recognize outstanding Atlanta area wealth managers.  This is Casey’s eighth year on the list. Five Star Professional uses its own proprietary research methodology to name outstanding professionals. Each award candidate undergoes a thorough research process to be considered for the award. The company then works with publications like Atlanta magazine to spread the word […]
read more

Inside ETF 2020 – Casey Smith to present

Casey Smith will present on a panel at the Inside ETF 2020 Conference in Hollywood, FL in January 2020. Casey will speak about the evolution of advisor compensation. It is an honor to be part of the speaking panel at the Inside ETF conference that attracts the world’s leading ETF experts. There will be over 2,300 ETF professionals attending the conference who come together to learn, network and share the latest ideas in ETF’s.  The conference is known for a mix of speakers and will […]
read more

Are you getting good financial advice?

You go to a financial advisor looking for advice. What you hear might sound good, but how do you know the advice is genuine and not focused toward selling products with higher fee incentives? An advisor with a sell focus versus advisory focus will generally suggest products like annuities, mutual funds and managed accounts. These products have little focus on in-depth planning and long-term benefits for you as the client. When it comes to good financial advice, there are many ways to spot an advisor […]
read more

Wealth management isn’t just for the wealthy

With over nineteen years in the wealth management industry, I have noticed that most of the clients I help do not consider themselves wealthy, yet their net worth is above the average in the US. This makes me think that people do not consider using a financial advisor because they do not consider themselves wealthy. The word wealth has many definitions related to abundance and riches, but the origin of the word translates as well-being and prosperity. We define wealth management as making the most […]
read more

Will there be a recession in the next year?

If you’ve watched or listened to the news recently, you may believe a recession is inevitable in the next 12 months. Between the escalating trade war with China and slowing global growth, rumors of a recession are everywhere. Although the recent 2 year/10 year yield curve inversions have spooked the markets, Vanguard doesn’t expect a recession in the next 12 months. According to Vanguard’s recent market prospective, all signs point to central banks lowering interest rates again in 2019, with the magnitude dependent on the […]
read more

Avoid Short-Term Market Jitters

Avoiding short-term market jitters is important when managing your portfolio.  Vanguard released a simple chart recently showing how exiting the market in December 2018 would have affected the value of your portfolio. A hypothetical 60% stock/40% bond portfolio valued at $1 million on November 1, 2018, would have lost almost $57,000 by Christmas Eve. Then the investor is faced with the challenge of determining when to invest back into the market. It is important to remember that investing in the market is always a risk, […]
read more

Dollar Cost Average or Lump Sum Investing – Here’s our Take

Do you dream about the day you win the lottery or inherit a large sum of cash from a long lost relative you didn’t know you had?  Or, are you planning to contribute to your child’s college 529 plan and ask yourself, should I contribute a lump sum today or contribute monthly to the plan?  Although we’ve never had a client win the lottery, we do have clients that have inherited or have a larger sum of money they want to invest. At this point, […]
read more

Recent Tweets

wwm twitter

How does your car payment compare? https://t.co/SZnAJEVEkg
- Tuesday Nov 12 - 6:45pm

wwm twitter

Wiser Wealth enjoyed networking with Berry College students at @RaceTrac HQ last night.  #wiserwealth #racetrac … https://t.co/zs3QntQDf0
- Tuesday Nov 5 - 3:30pm

wwm twitter

Wiser welcomes Robert Swarthout to the advisory board. https://t.co/YpwFwJuYNW
- Tuesday Nov 5 - 1:45am