Financial Advisor Hub Articles

Savings Account Rate Forecast for 2026

With the Fed’s target rate now at 3.50% to 3.75%, savings yields may shift in 2026, but smart account choices can keep returns strong.

12 Ways to Save More Money in 2026 (Even When Money Feels Tight)

Jan. 11, 2026

12 Ways to Save More Money in 2026 (Even When Money Feels Tight)

Saving more in 2026 doesn’t require a total lifestyle overhaul, just a few repeatable moves that help you earn more on your cash and spend less by default.

8 Smart Reasons to Use Your Emergency Fund (and When Not To)

Jan. 11, 2026

8 Smart Reasons to Use Your Emergency Fund (and When Not To)

Most financial experts recommend storing three-to-six months of expenses in an accessible savings account in case of a financial crisis — like unemployment or an unexpected expense.

What Is a Good Credit Score (and How to Get There)?

What Is a Good Credit Score (and How to Get There)?

More than just a three-digit number, a good credit score is a powerful financial asset that can save you thousands of dollars over your lifetime by unlocking the best terms on loans and insurance.

How to Rebuild Credit After a Financial Setback

How to Rebuild Credit After a Financial Setback

Whether you've faced bankruptcy, foreclosure, job loss, or overwhelming medical bills, the path back to good credit might seem impossible.

The Impact of Paying Off Debt on Your Credit Score

6 min read

The Impact of Paying Off Debt on Your Credit Score

Paying off debt should improve your credit score, right? While this is usually true, the relationship between debt payoff and credit scores is more complex than many people realize.

Credit Utilization Explained: Why It Matters

Credit Utilization Explained: Why It Matters

Your credit utilization ratio accounts for 30% of your credit score and can be improved faster than almost any other credit factor.

Winter Financial Planning: Budgeting for Heating, Utilities, and Seasonal Expenses

Winter Financial Planning: Budgeting for Heating, Utilities, and Seasonal Expenses

Winter has a sneaky way of turning “normal” monthly spending into a higher-stakes game: heating runs longer, lights stay on earlier, driving costs creep up, and seasonal plans like gifts, travel, and school breaks land all at once.

Winter Emergency Fund: Why It’s More Important Than Ever

Winter Emergency Fund: Why It’s More Important Than Ever

An emergency fund is money you set aside for expenses you didn’t plan for and can’t avoid.

The 50/30/20 Rule: Budgeting Made Simple

The 50/30/20 Rule: Budgeting Made Simple

The 50/30/20 rule is the simplest way to budget your money.

How to Create a Budget You'll Actually Stick To

How to Create a Budget You'll Actually Stick To

Most people create budgets with the best intentions, only to abandon them within weeks.

How Couples Can Save Together Without Fighting About Money

How Couples Can Save Together Without Fighting About Money

If every “quick money question” somehow turns into a tense conversation, you’re not alone.

How to Track Your Spending Without Losing Your Mind

How to Track Your Spending Without Losing Your Mind

Tracking your spending doesn't mean recording every penny or becoming a spreadsheet obsessive.

5 Steps to Building an Emergency Fund

An emergency fund acts as your financial safety net, providing peace of mind and protecting you from debt when unexpected expenses arise.

How to Save Money Fast: 15 Proven Strategies That Work in 30 Days

How to Save Money Fast: 15 Proven Strategies That Work in 30 Days

You don’t need extreme budgeting, just a focused plan you can actually follow for the next four weeks.

How Much Should You Save Each Month? Creating a Realistic Budget

How Much Should You Save Each Month? Creating a Realistic Budget

Most people abandon their budgets within a few weeks because they're too restrictive, complicated, or unrealistic.

Why You Need an Emergency Fund and How to Start One

Why You Need an Emergency Fund and How to Start One

Without an emergency fund, a single car repair or medical bill can force you into debt or make you choose between paying bills and covering essential needs.

How to Build Savings into Your Monthly Budget

How to Build Savings into Your Monthly Budget

Most people approach saving backward.

Automated Savings: The Easiest Way to Build Your Financial Future

Automated Savings: The Easiest Way to Build Your Financial Future

Building wealth doesn't require complex investment strategies or perfect budgeting skills.

Charitable Giving Deadlines: How to Maximize Donations Before Year-End

Charitable Giving Deadlines: How to Maximize Donations Before Year-End

Year-end giving can be a win-win: you support causes you care about, and your donation may count for this tax year if you meet the timing and documentation rules.

How Much Should You Save for Your Child's Education?

How Much Should You Save for Your Child's Education?

Planning for your child's education costs can feel overwhelming, especially when you're already juggling everyday expenses and your own financial goals.

Financial Milestones by Age: What to Aim for in Your 20s, 30s, 40s, and Beyond

Financial Milestones by Age: What to Aim for in Your 20s, 30s, 40s, and Beyond

Your career timeline, family situation, income level, and personal goals will shape your unique financial story.

How to Save for a House in 5 Years (or Less)

How to Save for a House in 5 Years (or Less)

With the right strategy, you can accumulate enough for a down payment, closing costs, and moving expenses in five years or less.

How to Set SMART Financial Goals That Stick

How to Set SMART Financial Goals That Stick

The difference between wishful thinking and actual financial success lies in how you structure your goals.

6 min read

How to Use Your Year-End Bonus Wisely

A year-end bonus can feel like financial breathing room.

Holiday Scams to Watch Out For: Protect Your Wallet This Season

Holiday Scams to Watch Out For: Protect Your Wallet This Season

The holiday season brings increased spending, online shopping, travel, and charitable giving. It also brings an increase in scams. Criminals know that people are busier, more distracted, and more willing to spend money quickly during this time of year. As a result, holiday scams become more frequent and more convincing.

High Fraud Season: How to Protect Your Money During the Holiday Rush

High Fraud Season: How to Protect Your Money During the Holiday Rush

The holiday season is a time of increased spending, travel, and online activity. Unfortunately, it is also the most active fraud season of the year. As shoppers rush to buy gifts, donate to charities, and take advantage of seasonal deals, scammers take advantage of higher transaction volume and lowered vigilance.

Post-Holiday Debt Management: How to Take Control of Credit Card Debt and Restore Financial Health

Post-Holiday Debt Management: How to Take Control of Credit Card Debt and Restore Financial Health

The holidays often bring joy, generosity, and memorable experiences. But for many people, they also bring credit card balances that linger long after the decorations come down. Even those who planned carefully can feel overwhelmed when January statements arrive and minimum payments start stacking up.

New Year, New Budget: Post-Holiday Budget Tips to Refresh Your Finances

2 min read

New Year, New Budget: Post-Holiday Budget Tips to Refresh Your Finances

The holidays are magical—filled with celebrations, time with loved ones, and yes… significant spending. Even with careful planning, many people find themselves staring at credit card statements and drained savings accounts come January. That’s where a new year budget reset becomes essential.

Getting Back on Track Financially After Winter Break

Getting Back on Track Financially After Winter Break

Winter break can be a budget stress test. Between travel, gifts, extra meals out, and kids being home more (snacks seem to multiply), spending often runs higher than usual.

Traveling With Kids Over Winter Break? Here’s Your Smart Spending Guide

Traveling With Kids Over Winter Break? Here’s Your Smart Spending Guide

Family trips have a special talent for turning “reasonable” into “how did we spend that?” because kids add urgency to every decision.

Retirement Planning 101: How Much Should You Save?

Retirement Planning 101: How Much Should You Save?

Most Americans will need their retirement savings to last 20-30 years, yet many don't know how much to save.

The 10 Best Finance Websites of {year}: A "Signal-to-Noise" Ranking

The 10 Best Finance Websites of 2026: A "Signal-to-Noise" Ranking

In an era where "financial advice" is often reduced to 15-second TikTok clips and sensationalist headlines, finding trustworthy, high-utility financial information is a legitimate competitive advantage.

The 12 Best Side Hustle Apps of {year} (Ranked by Real Earnings)

13 min read

The 12 Best Side Hustle Apps of 2026 (Ranked by Real Earnings)

Your rent just increased by $200. Again. Between rising costs and stagnant wages, 45% of Americans now work a side hustle to make ends meet, according to a 2024 Bankrate survey. The difference between surviving and thriving often comes down to finding flexible income sources that fit around your existing life.

8 min read

The Best Expense Tracker Apps of 2026

Your financial management journey is about to undergo a strategic evolution with 2025’s cutting-edge expense tracker apps. You’ll discover how AI-powered fraud detection and real-time dashboards are revolutionizing how businesses track spending.

Best Money Management Apps for Kids in {year}: Complete Guide for Parents

Best Money Management Apps for Kids in 2026: Complete Guide for Parents

Teaching children financial literacy through digital money management apps has become essential in 2025, with over 73% of parents using fintech tools to educate kids about money (JumpStart Coalition for Personal Financial Literacy).

10 Financial Literacy Games for All Ages ({year})

10 Financial Literacy Games for All Ages (2026)

Only 57% of U.S. adults are financially literate according to the S&P Global FinLit Survey, and average working-knowledge scores have hovered around 48% correct on the P-Fin Index for years. That's why game-based learning matters: it turns abstract money ideas into memorable, low-risk practice.

8 Best Money-Saving Apps for {month} {year}

6 min read

8 Best Money-Saving Apps for January 2026

In a world where money seems to slip through your fingers, technology offers a helping hand. You’re likely aware that saving money requires discipline, but modern apps can transform this challenge into an almost effortless process

The 5 Best Debt-Payoff Platforms and Tools for {year}

Dec. 02, 2025

8 min read

The 5 Best Debt-Payoff Platforms and Tools for 2026

You stare at five credit card statements spread across your kitchen table. $23,000 total. Minimum payments eat $680 monthly, but the balances barely move.

We Tested 7 Credit Monitoring Services: Here Are The Best for {year}

Dec. 02, 2025

11 min read

We Tested 7 Credit Monitoring Services: Here Are The Best for 2026

Your phone buzzes at 2 AM. Someone just opened a credit card in your name in a state you've never visited. By morning, they've maxed it out.

8 Best Financial Education Apps in {year}

8 Best Financial Education Apps in 2026

A staggering 63% of Americans describe themselves as financially illiterate, with limited knowledge of basic money management principles.

10 Best Personal Finance Podcasts

As the fiscal landscape shifts like seasons through your life, you'll need reliable guides to navigate its terrain. Personal finance podcasts offer wisdom from experts who've mapped the money maze before you.

8 min read

The Best Budget Apps for 2026

Managing money shouldn't feel like solving a complex puzzle. Yet 64% of Americans live paycheck to paycheck, often because they lack visibility into where their money actually goes.

Top 8 Financial & Mental Wellness Apps

Your financial health and mental wellbeing are deeply connected. When money stress weighs you down, it affects every aspect of your life. But here's the good news: you don't need expensive financial advisors or complex spreadsheets to take control.

5 Best Finance AI Chatbot

AI chatbots are increasingly common in personal finance, offering instant responses to banking questions and automated financial insights.

How to Build Credit from Scratch: A Complete Beginner's Guide