Blog Posts Filed Under personal-finance
Buy Now Pay Later Apps: Pitfalls High Earners Must Know
By Beth Stringer
Buy now pay later apps create debt that may not show on credit reports. Learn how BNPL affects financial planning, why 60% of users finance purchases they can't afford, and what high-income families must know to protect their wealth.
Breaking Up with Your 1% Advisor: A Step-by-Step Guide
By Beth Stringer
This practical guide walks sophisticated investors through the decision of whether to ditch their percentage-based financial advisor in favor of a flat-fee structure that could save serious money over time. It breaks down a systematic approach for evaluating your current advisor's actual value (beyond just investment management), figuring out what services you really need, finding and vetting quality flat-fee alternatives, and making the switch without disrupting your financial plan. While the guide clearly favors flat-fee arrangements for high-net-worth investors who've outgrown basic hand-holding, it's refreshingly honest about situations where that traditional percentage fee might still make sense—like when your advisor is genuinely functioning as your outsourced CFO or consistently saving you from costly emotional investing mistakes.