The Wiser Wealth Blog
Active vs Passive Asset Management
The debate is over. Period. Passively managed index funds outperform actively managed funds. In 15 out of 18 categories of domestic equity funds, the majority of actively managed funds underperformed [...]
Tax-Loss Harvesting Can Increase Your After-Tax Returns
It’s no secret that the stock mark can be volatile—especially in 2022. All too often these days it seems we watch the market fall, then rise, then fall again all [...]
How Are Social Security Benefits Calculated?
Many people tend to think that they pay into social security and their money is held for them until they retire and at such time their money is paid back [...]
Biggest Expenses in Retirement
Each week I sit down with our financial planners to review plan drafts prior to the client seeing them. Each week I hear the same set of advisor concerns that [...]
Tips for Maintaining Cash Flow in Retirement
Not having a paycheck anymore can be scary, no matter the reason. When we talk with clients about their concerns in retirement, the loss of a steady and consistent paycheck [...]
Ways to Minimize Taxes in Retirement
We have all heard the saying, “the only guarantees in life are death and taxes.” Even though paying taxes is unavoidable, there are ways to help reduce their impact—especially during [...]
What is My Risk Tolerance Number?
What exactly is risk tolerance? In short, it is the measure of an investor’s willingness to accept risk. Understanding your risk tolerance is essential to understanding how much loss you [...]
Delay Social Security if You Can
Social Security. You’ve been diligently paying into the system for years. Now, you are about to turn 62. It makes sense to go ahead and apply as soon as possible, [...]
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