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What is financial planning?

Financial planning helps you understand where you are today and create a roadmap to get you where you want to be. Planning is personalized to you—whether you’re saving for a single goal, like retirement, or need comprehensive planning and wealth management.

• Discover your goals
• Consider all aspects of your financial life
• Identify action steps
• Create an investment strategy tailored to your goals

Why is financial planning important?

Financial planning helps you take control of your future:

• Feel more confident about reaching your financial goals
• Save for milestones like college and retirement
• Build an investment portfolio tailored to your goals
• Know where you want to go and how to stay on track

Ready to get started? Schwab can help you with financial planning—whatever your needs may be.

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Our calculators and planning tools will help you see how much to save for college, how much your monthly mortgage might be, how to prepare and live in retirement, and more.

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We believe saving for retirement is one of the most important goals for most investors. That's why every Schwab client can get a complimentary financial plan focused on retirement. Answer a short questionnaire, and in as little as 15 minutes you’ll be able to see the probability of reaching your retirement goals—and what you could do next.

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10 Best Online Financial Advisors of August 2024

Discover the top financial advisors of August 2024. Compare options like SmartAsset and Money Pickle to find expert advice.

Choosing the right financial advisor can make a significant difference in how effectively you manage and grow your finances. By opting for online financial advisors, you get to pick the best of the best from anywhere in the country. This way, you can rest assured that your finances are in good hands. Working with an online professional saves you time from in-person meetings, eliminating travel time and waiting in the lobby.

Benzinga has compiled a list of financial advisors to help you find your ideal advisor and build wealth.

• Quick Look at the Best Financial Advisors:
• Best for Comparing Advisors: SmartAsset
• Best for Video Matching : Money Pickle
• Best for Retirement Advice: Datalign
• Best for Self-Directed/Automated Advice: Empower
• Best for Low-Cost Financial Advice: Facet Wealth
• Best for Financial Planning: Domain Money
• Best for Customer Care: Charles Schwab
• Best for ESG Robo-Investing: Wealthsimple
• Best for New Investors: Playbook
• Best for New Women Investors: Ellevest

Best Financial Advisors

1. best for comparing advisors: smartasset.

• See All 22 Items

Look at some top contenders for the best financial advisors this year.

SmartAsset makes it easy to compare the best financial planners. Provide some basic information about how much you have to invest, what your goals are and how you want to communicate with your advisor to find ideal pairings. You’ll then see a list of advisors that match your criteria to interview and meet with to ensure your finances are off to a great start.

• Fees: Varies based on the advisor you select
• Account Minimum: Varies based on the advisor you select
• Investment Approach: Varies based on the advisor you select

Why We Picked It: By using Smartasset, you can easily find, compare, and select the right advisor to help you reach your financial goals. Take the stress out of managing your finances and let Smartasset guide you to the perfect financial advisor for you.

2. Best for Video Matching: Money Pickle

Find a financial advisor who can help you get on the right path toward retirement , investing, handling life events and more. Money Pickle lets you input important details about your finances or questions and get paired with a financial advisor. The initial video call is free because the advisor covers the expense. Then you can decide whether to keep working with the advisor after that.

All advisors on the platform must be in good standing and have five years of experience. Money Pickle screens each advisor to ensure they are a good fit for its clients.

• Fees: Free for initial consultation
• Account Minimum: None
• Investment Approach: Varies

Why We Picked It: Money Pickle offers a user-friendly platform that makes financial planning more convenient and accessible. With free video consultations, no pressure to commit, and convenient call scheduling, you can take the first step towards securing your financial future with confidence.

3. Best for Retirement Advice: Datalign

Enjoy a personalized approach to retirement planning . Get paired with prescreened licensed financial advisors in the USA. Instead of focusing only on your portfolio size and location, Datalign uses various factors to help you find the financial advisor that will best meet your needs.

Instead of creating a list, Datalign provides the top financial advisor based on your unique financial factors to reduce the burden of making your selection. Once you have been paired with a financial advisor, you will start with a free consultation to discuss your financial situation and goals. This initial consultation is a great opportunity to get to know your advisor, ask any questions you may have, and ensure that they are the right fit for you.

• Fees: Free initial consultation; then variable based on the advisor’s fee schedule
• Investment Approach: Variable based on the ideal advisor for you

Why We Picked It: With Datalign, you can rest assured that you will be connected with a financial advisor who has the expertise and experience to help you achieve your financial goals.

4. Best for Self-Directed/Automated Advice: Empower

Empower is the strongest in two areas: hands-off investors and those looking for tax optimization. While the fees are somewhat high and will reduce the total ROI from your investments, the money is worth it if you have the assets to place under Empower’s watchful eye.

If your assets are $100,000-$250,000, you’ll have a team of advisors. Once your assets exceed $250,000, you’ll have dedicated advisors. Regardless, you can reach your advisors via phone during normal business hours or digitally through your dashboard.

• Fees: 0 .89%
• Account Minimum: $100,000
• Investment Approach: Dynamic portfolio allocation

Why We Picked It: With a range of features, including tax optimization strategies, individual security selection and comprehensive portfolio management, Empower offers a comprehensive solution for managing your investments effectively.

5. Best for Low-Cost Financial Advice: Facet Wealth

Using low-cost ETFs, Facet Wealth helps you grow your wealth through smart investments. While the flat-rate fee structure makes budgeting somewhat complex for investors, it also translates to a competitive 0.8% for those with $300,000 or more investments.

• Fees: Starts at $2,000 per year
• Account Minimum: $250
• Investment Approach: Diversified investments with smart risks

Why We Picked It: With their affordable pricing, access to certified financial planners and user-friendly platform, Facet Wealth is a great option for anyone looking to take control of their financial well-being without breaking the bank.

6. Best for Financial Planning: Domain Money

Domain Money is unique among financial advisor companies because it writes a plan based on your goals and then puts you in charge of implementing it. You can request a plan at any time that is convenient for you. Plans are customized based on the information you give Domain Money about your finances and goals.

• Fees: Starting at $2,500
• Investment Approach: Varies based on the information you provide

Why We Picked It: With Domain Money, you are in control of your money management without any ongoing fees. This means that you can access their platform and tools to track your financial progress, make adjustments to your plan and receive personalized recommendations without having to worry about additional costs.

7. Best for Customer Care: Charles Schwab

Charles Schwab frequently gets high ratings for customer care. And the best part is, you don’t have to pay for fees or services you don’t need. You’ll see a full breakdown of fees and commissions for working with a financial advisor based on the investment strategy that meets your goals. 

• Fees: 0 .8%
• Account Minimum: $500,000
• Investment Approach: Varies based on your goals

Why We Picked It: With competitive management fees, customizable services and a strong focus on customer service, Charles Schwab sets the bar high for what a financial company should be. 

8. Best for ESG Robo-Investing: Wealthsimple

If you’re unsure where to start investing but want a simple platform that keeps you in control, Wealthsimple is a wise choice. This is one of the best financial advisor firms for robo-investing. That means you can set up your account, provide some basic information and allow the tool to make investment decisions based on that information.

• Fees: 0.5% management fees for managed accounts; 1.5% currency conversion; $10/month upgraded account; $45 broker-assisted trades
• Investment Approach: Robo-advisor

Why We Picked It: Wealthsimple is a top choice for investors looking to incorporate ESG principles into their investment strategy. With its automated investing platform, access to fractional shares, user-friendly interface, and no commissions on trades, Wealthsimple makes it easy for investors to build a sustainable and impactful investment portfolio.

9. Best for New Investors: Playbook

Playbook is one of the top advisory firms for tax advantages. It will help you grow your money while paying less in taxes by helping you learn where to put your money and what actions you should take in each account. Playbook focuses on helping you increase returns while lowering your taxes to maximize the money that you have. 

• Fees: Starts at $9/month
• Investment Approach: Taking advantage of tax strategies

Why We Picked It: Playbook is an excellent option for new investors looking to start investing with a clear plan in mind. By investing based on long and short-term goals, utilizing automated financial decision-making and maximizing tax advantages, investors can set themselves up for success in the world of investing.

10. Best for New Women Investors: Ellevest

If you’re looking for the best investment advisors for women, Ellevest is a smart choice. The platform is designed to help women navigate the unique complexities they face when investing. Whether you’re headed toward retirement, navigating a career, or needing advice about buying a second home, Ellevest’s advisors can guide you. The advisory team comprises all women who help bring clients perspective and a sense of ease.

• Fees: $12/month
• Investment Approach: Diversification is key, so much so that Ellevest does not allow you to invest in individual stocks but instead invests in various companies on your behalf.

Why We Picked It: With its user-friendly platform, no minimum investment requirement, access to financial planners, and private wealth management services, Ellevest provides a comprehensive solution for women looking to grow their wealth and secure their financial future.

How to Determine What Financial Advisor is Best for You

1. determine what aspect of your financial life you need help with.

It's important to consider your current financial situation and what aspects of your financial life you might need help with. Consider whether you need financial guidance to set up long-term systems or help to reach specific goals. 

Are you planning for retirement and wonder whether you're saving enough? Are you dreaming of a second home and want to know if it's possible with your current income? In these cases and others, a financial advisor can help you align your financial actions to specific goals.

2. Know the Different Types of Financial Advisors

Familiarize yourself with the various types of financial advisors. But before choosing to work with a professional, check your investment professional with the SEC to ensure they are in good standing.

• Investment advisors: Those who provide investment advice or manage client assets directly.
• Broker-dealers and brokers: Individuals or companies that buy and sell securities such as stocks , bonds and mutual funds on behalf of a client or themselves.
• Certified financial planner® : Certified professionals who meet the requirements of the CFP Board and have a fiduciary responsibility.
• Financial consultant: A general term; look for a chartered financial consultant or CHFC.
• Financial coach: This is not a regulated term. Financial coaches may focus on basic financial planning points, such as how to save money or reduce spending.
• Portfolio, investment and asset managers: These professionals manage clients' assets or portfolios. 
• Wealth advisors: Work with wealthy clients to offer holistic financial planning and investment guidance.
• Robo-advisor: Inexpensive automated investment management services, usually available as a low-cost subscription or a small percentage of assets under management. 

3. Choose What Type of Financial Service You Need

You can choose from various financial services, including investment advice, budgeting , retirement planning, tax planning, estate planning, and more. Financial advisors can offer diverse services to meet specific needs or holistic services.

4. Determine the Cost and Fees of Financial Advisors

The cost of hiring financial advisors can vary based on the fee structure. They may charge a flat monthly fee, a percentage of assets under management (AUM) or another fee structure .

5. Research and Compare Financial Advisors

Research and compare the credentials and qualifications of several financial advisors before hiring one. Look for a financial advisor with a fiduciary responsibility to ensure they have your best interests in mind. Read financial advisor ratings to learn from other customers’ experiences.

6. Important Questions to Ask a Financial Advisor

Be sure to speak with the financial advisor and take advantage of a free initial consultation to understand if the financial advisor is a good fit. When selecting a financial advisor, you will want to ask them about :

• Whether they are a fiduciary and have fiduciary responsibility?
• What is their fee structure?
• What are their average returns in the case of investment management?
• How do they get paid? 
• What are the all-in costs?
• What are their qualifications or certifications?
• How will the relationship work? 
• What is the financial advisor's investment philosophy?
• What custodian do they use?
• What resources will you have?
• What asset allocation do they use?
• In the case of investments, what investment benchmarks are used?

Best Financial Advisors Alternatives

If you decide that working with a financial advisor is not right, consider one of these alternatives.

• Robo-advisors : When you open a robo-advisor account, you can access an algorithm that makes financial decisions without human intervention. The algorithm works on input information, such as goals and risk tolerance. While the fees on these accounts are minimal, they also don’t earn as high as human-led accounts in most cases. But if you’re cost-sensitive and don’t know how to select your investments, a robo-advisor might be right.
• DIY investing platforms: You don’t need a financial advisor to get started investing. You can choose your investments and be your portfolio manager. Individuals who know their way around investments should consider using a DIY program because you won’t have to give up any of your earnings to pay an advisor or a robo-advisor program. However, you do need to have the time to devote to managing your account.
• Fee-only financial planners: You don’t have to share your investment proceeds with a fee-only financial planner. Instead, you’ll pay a flat fee or a percentage of the assets under management to your fee-only financial planner . This can benefit individuals with a great deal of assets to invest, which could mean thousands of dollars in earnings each year.

Setting Up Your Financial Future

Financial advisors can offer valuable insight and strategies to optimize tax savings, set up long-term investment accounts and plan for short- and long-term goals. You can help protect your family's future and retirement with the right advice. Review the top wealth managers by performance to find a good fit based on your needs. All the options above offer personalized solutions at various price points to take you from where you are to your next goals. Take the first step toward financial security and schedule a consultation with one of these trusted advisors today.

Frequently Asked Questions

Who are the top rated financial advisors.

The top financial advisory firms are Vanguard , Charles Schwab and Fidelity Investments. Look to your community for leaders in your area or select SmartAsset, Money Pickle or Datalign as an online financial advisor.

Is it worth paying for a financial advisor?

Whether paying for a financial advisor depends on your financial skill set, understanding of investments, and time you can devote to the process. If you can’t devote the time or don’t have the expertise, a financial advisor is well worth it.

Who gives the best financial advice?

The country’s leading financial firms, including Vanguard, Charles Schwab, and Fidelity Investments, offer the best financial advice.

Where is the best place to look for a financial advisor?

The best place to look for a financial advisor is your network. Ask friends, family, and colleagues who they use and how happy they’ve been with the results of their work with the professional.

How do financial advisors determine their fees?

Financial advisors determine their fees based on the assets they manage on your behalf. It’s often based on a percentage of the funds they oversee, ranging from 0.25% to 1% of assets under management annually.

What credentials should I look for in a financial advisor?

Your financial advisor should have a CFP or CFA designation, which shows they’ve completed the necessary professional training to provide financial advice.

Are there any hidden costs associated with working with a financial advisor?

Working with a financial advisor can involve fees. These include annual fees charged by the mutual funds or other investments your advisor recommends. These fees can be up to 2% of the value you invest in these areas, but your advisor has likely recommended them because the ROI outweighs the fees.

How often should I expect to meet or communicate with my financial advisor?

You should plan to meet with your advisor at a minimum once a year. However, you might meet more frequently to check in on how you’re tracking toward goals, tax liability, etc.

Do financial advisors have a minimum investment requirement?

Many financial advisors do have a minimum investment requirement to get started. However, you can likely find one willing to work with you based on the specific amount you can invest.

Do financial advisors offer personalized investment portfolios?

Yes, a financial advisor will tailor your investments to meet your goals and risk tolerance.

Are financial advisors regulated by any governing bodies?

The Securities and Exchange Commission (SEC) regulates financial advisors.

How do I know if a financial advisor is acting in my best interest?

If your financial advisor is a fee-only firm, they likely act in your best interest since they are paid only through your annual fee, not commissions, for selling specific products or securities.

About Rebekah Brately

Rebekah Brately is an investment writer passionate about helping people learn more about how to grow their wealth. She has more than 12 years of writing experience, focused on technology, travel, family and finance. Her work has been published in Benzinga, Hearst Bay Area, FreightWaves and Dallas Observer publications.

More From Forbes

4 free tools to effortlessly create the perfect financial plan.

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Prioritizing financial goals is one of the hardest things in personal finance. Should you pay off all of your debt before investing? Should you save for a home or a child's education? How much should you save for emergencies?

BROOKLYN, NEW YORK - JANUARY 28: Patrons at the Littleneck Outpost restaurant use their laptop ... [+] computers in the Greenpoint neighborhood in Brooklyn, New York January 28, 2020. (Photo by Robert Nickelsberg/Getty Images)

The challenge with these questions is twofold. First, they don't have just one right answer. There are a range of reasonable answers. And what's reasonable for one person may not be reasonable for another. Second, the "best" answer often depends on knowing the unknowable—the future.

To help tackle this thorny problem, here are four free resources and tools to help you create your sound financial plan.

1. Dave Ramsey's Baby Steps

I'll start with Dave Ramsey's Baby Steps because of their popularity. It's a simple approach to prioritizing financial goals that has worked for countless people. Here are the steps :

Step 1: Save $1,000 for your starter emergency fund .

Step 2: Pay off all debt (except the house) using the debt snowball.

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Step 3: Save 3–6 months of expenses in a fully funded emergency fund.

Step 4: Invest 15% of your household income in retirement.

Step 5: Save for your children’s college fund.

Step 6: Pay off your home early.

Step 7: Build wealth and give.

These steps work in large part because of their simplicity. They have helped families get out of debt and save for their future. There is a big downside to this approach, however. It leads to suboptimal results.

For example, these steps have you paying off all of your non-mortgage debt, even low interest debt, at the expense of a company 401(k) match. Even high interest debt can be refinanced to a 0% balance transfer card . Prioritizing paying of this debt is stupid on steroids. Still, for some individuals and families, these steps make a reasonable approach to financial planning.

2. Bogleheads Prioritizing Investments Plan

The Bogleheads, named after Vanguard's founder Jack Bogle, is a group that promotes the benefits of investing in low-cost index funds. The group's wiki outlines a plan to prioritize investments and pay off debt :

Step 1: Save an Emergency Fund

Step 2: Get the Maximum Match from an Employer Retirement Plan

Step 3: Pay Off High-Interest Debt (Credit Cards)

Step 4: Save in a Health Savings Account (if you have one)

Step 5: Max out an IRS and Employer Retirement Plan

Step 6: Pay Off Medium-Interest Debt (Student Loans, Car Loans)

Step 7: Invest in a Taxable Account

Step 8: Pay Off Low-Interest Debt (Mortgage)

This plan may not appear dramatically different than Dave Ramsey's Baby Steps, but it makes two important improvements.

First, it focuses on getting the benefits of an employer match, if you have one. This change alone is an important improvement. Focusing exclusively on debt repayment at the expense of an employer matching contribution is throwing away free money.

Second, the plan prioritizes debt repayment based on interest rates. The higher the rate, the more priority this plan gives to paying off the debt. While getting out of debt is an important goal, there’s no reason to elevate it above other important goals, particularly without considering the interest rates you are paying.

3. Personal Income Spending Flowchart

The Personal Income Spending Flowchart comes from the excellent subreddit on personal finance. I'll warn you that the chart can appear overwhelming at first. The steps and options are too many to list here. I've included it because it accounts for just about every possible financial decision one could face.

It starts with creating a budget and ends with saving for retirement. It includes a detailed description of each step in the chart. It walks through financial steps in detail, including the order in which one should pay their bills. It accounts for an employer match, health insurance and HSAs, saving for a child’s college education, and even early retirement.

4. ProjectionLab

The final tool on our list is an excellent financial planner. ProjectionLab is the creation of a solo developer named Kyle Nolan. I met him this month a FinCon, a conference for financial influencers (I'm not sure why they let me attend).

ProjectionLab has both a free and paid version. The tool enables you to plan out any financial goal you can imagine. After entering income and expense data, you can set any number of financial goals, such as achieving financial independence, retirement, getting married, paying of debt, and having children. The tool than analyzes the data and maps out when you'll achieve each goal.

One important benefit of a tool like ProjectionLab is the ability to create and compare multiple plans. For example, in one plan you could forego retirement savings and an employer match in favor of debt. In another plan you could take full advantage of an employer match, and then compare the outcomes of both plans.

You can check out my video review of ProjectionLab here .

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26 Best Financial Advisor Websites & Design Examples

Building a visually appealing financial advisor website that ranks high on Google’s search engine results pages (SERPs) can be tough. But if you want to attract high-paying clients and increase your revenue, having a functional and beautiful financial advisor site is a must.

Your financial advisor website is usually the first digital impression your target audience has of your brand. While you want to build a stunning website, remember the goal of your website is to convince prospects to book your services.

The best financial advisor websites combine modern, stunning, and responsive designs with optimized content to beautifully capture your audience.

This article covers the 26 best financial advisor website examples that can help inspire your site redesign or create a brand new site.

1. Moors and Cabot

Made with Wix

Moors and Cabot offer full-service wealth management through its trusted professionals and best-of-breed platform. Welcoming visitors is a high-quality image of the firm’s interior, taking all the attention in the hero section. 

A navigation bar feature is attached to the site’s sticky header menu , revealing hidden navigation texts in White on a solid black background. Displayed in a centralized three-column slideshow are the financial services the firm offers. 

2. Stash Wealth

Made with Squarespace

Stash Wealth was founded on the belief that getting personalized financial guidance early is key to proper wealth management and confident living. 

One of the top financial advisor websites, Stash Wealth is consistent with the black-and-white colors from its logo design, visible as text and background colors.

The hero section on its website is unique compared to other financial advisors' websites, with a slanting white feature in the middle dividing the section. You will find an FAQ section close to the footer section, providing prospective clients with ready answers to potential questions. 

3. Safran Wealth Advisors

Safran Wealth Advisors offers expert financial planning to help its clients reach their financial goals. This financial advisor website displays its entire content using a simple layout.

I like the consistent centralized layout used, allowing visitors to easily glance through the landing page. Distinguishing between separate sections are full-width soft background images , one of its catchy web design tools. 

4. Nadéjiah Zakiyyah

Career alignment counselor Nadejiah Zakiyyah is on a mission to show women of color that they can have a profession that they enjoy. Nadejiah's website is one of the stunning financial advisor websites with distinctive design components.

One of her thoughtful design features, visitors have access to an online communication channel through a Contact feature pinned to the home page. I like how Nadejiah compliments elegant typography with bold fonts , enhancing the attractiveness of her website design.

5. Bull Moose Retirement Planning Co

Bull Moose Retirement Planning Co. is a firm designing financial strategies for a target audience in or near retirement. 

A great example of a professional financial advisor website, the Bull Moose Retirement Planning Co. website sticks to black-and-white as its site’s predominant color. 

I love the display of the firm’s mission in bold black fonts over a black-and-white image of a man riding a horse, catching website visitors' attention. Adding color to the plain white homepage background are centralized logos of awards the firm has garnered over the years.

6. Career Unicorns

Samorn Selim, a former attorney turned career counselor, founded Career Unicorns to transform the careers of its customers from dread to delight. 

The Career Unicorns website, one of the most attractive in the financial services and advisory sector, features several interesting graphic elements.  

Reviews from previous customers stand out on the site’s homepage in a slideshow on a French Pass background , matching the business's logo. 

Noticeable are top brand logos connected to Career Unicorns displayed in a consolidated slideshow in the site's hero section . 

7. Decision Financial

Made with Webflow

The goal at Decision Financial is to provide professional, reliable, and personalized tax strategies, and services to businesses and individuals. This visually appealing advisor website displays the flowers from its logo extensively in its hero section. 

Beneath the hero section is a two-column display of the financial services that Decision Financial offers on a plain white background. You will find testimonials from past clients on the homepage using a slideshow format with two arrow icons aiding navigation. 

8. XV Capital

XV Capital was born out of the passion for the power of sport, investing in global sports communities and connecting them across the entire sports ecosystem. One of the top advisor websites, the XV Capital website design takes on a dark theme.  

Visible on the homepage is a moving slideshow of brands it has worked with in White , adorning the site’s black background.   I like how the call-to-action buttons on the XV Capital website stand out on Dirty Blue backgrounds , one of the site’s consistent design elements.

9. Grey Ledge Advisors

Made With Weebly

Grey Ledge Advisors works to meet its clients' financial goals in a supportive and transparent manner. This top financial advisor website treats visitors to a professional display of its service offerings. 

Attached to the site’s hero section are bold numbers on a Charcoal Gray background, helping visitors put perspective on the company. A link to the firm’s podcast is accessible from the homepage via a well-cut-out CTA button. 

10. Scalebridge Capital

Scalebridge Capital is a scaling partner for inspiring future builders, offering hands-on support to founders throughout their scaling journey. 

One of the top advisor websites, Scalebridge Capital welcomes visitors with full-width hero videos displayed in a slideshow, with a progress indicator alongside White dots. 

Beneath the hero section is an interactive section displaying informative content about what the brand is about, alternating from left to right. Included in the website’s design is the ArtyClick Deep Sky Blue color from its logo, underlining and circling key texts on the home page.

11. Mom and Dad Money

Made with LeadPages

Mom and Dad Money helps clients take control of their money so they are in a better position to take care of their families. Welcoming site visitors is a full-width image of its founder Matt and his daughter, which immediately tells the website’s aims. 

You can't help but love the black-and-white logos of top firms that Mom and Dad have been featured in, visible on the homepage as social proof. I like how the call-to-action buttons on the site are consistent with a Dusty Blue background , easily recognizable over free content.

12. Guardian Financial Group

Guardian Financial Group upholds the highest standard of financial advice, helping financial brands develop personalized solutions and strategies for their business. One of the top financial advisor websites, the Guardian Financial Group website is simple with a professional look.

Displayed on the homepage is a Subscription section on an extensive Gray background with the firm’s social media icons visible beneath. I like how the site’s web design is straightforward, displaying minimal content on its homepage.

13. All Street Wealth

All Street Wealth offers full-service financial planning and investment management services to its current and prospective clients. The web design of the All Street Wealth website is unique, alternating between black-and-white font color and background throughout the entire site. 

Logos of top brands the firm has been featured in stand out in their predominant black-and-white colors at the bottom of the hero section. Consistent in black and white are the site’s CTA buttons and social media icons, drawing in potential clients to its services. 

14. Avivar Capital

Avivar Capital offers impact investment advisory services, supporting investors with a more inclusive, just, and sustainable future. This top financial advisor website immediately tells visitors what the brand offers using bold White text over the hero section. 

I like the site’s centralized layout for its content display, giving the site a professional look in the financial industry. Consistent are the site’s call-to-action buttons, standing out on the homepage in their Greyish Blue colored background.

15. Vistica Wealth Advisors

Vistica Wealth Advisors offers tax-based, client-focused, and evidence-based advice to its clients, helping them safeguard their financial future and realize their dreams. 

One of the top financial advisor websites, the Vistica Wealth Advisors website displays bold colors and shapes to keep visitors visually engaged.

An accessibility icon is pinned to the bottom right corner of the site’s homepage, allowing visitors to adjust the site’s layout and outlook. Visible on the homepage is an extensive FAQ section providing visitors with ready answers to their potential questions.

Poolit helps make investing easy for its clients, providing them access to top private equity and venture capital firms to build a diversified portfolio. 

One of the top financial advisor websites, the Poolit website is aesthetically pleasing , displaying high-quality images that capture visitors' attention. 

Displayed in two separate sections on the homepage in moving slideshows are the logos of executives and employees who trust Poolit. I love how the Poolit website alternates between different font types and colors , helping users better manage their wealth management needs.

17. SmartAsset

Made with Unbounce

SmartAsset is a platform offering users a way to quickly and easily locate financial experts in their neighborhood. One of the best financial advisor website examples, the SmartAsset website displays bold typography that grabs attention. 

Attached to the site's hero section are prominent brand logos that SmartAsset has appeared in White, lending legitimacy to the business. 

Accessible from the homepage is the brand’s matching tool , connecting users to financial advisors by simply entering their location and initiating the process.

18. Money Saving Mom

Money Saving Mom, a site for bargain shopping, assists families in cutting costs. One of the best examples of a finance website design, Money Saving Mom uses striking colors to grab the attention of its target customers. 

Users may quickly search through the company offerings thanks to the search ba r located between the site’s doubleheader menus. Alongside the search function , vibrant social media icons are visible, each linked to the company’s social media profile.

19. Clever Girl Finance

Made with Teachable

Clever Girl Finance is one of the biggest personal finance media and education platforms for women in the United States. A top financial advisor website, Clever Girl Finance sticks to the Viridian color from its logo as its site's primary color. 

This financial advisor website consistently features a four-column content display, with each article classified into a distinct topic. Pinned to the right side of the homepage are a like button and a search icon in White and Viridian, adding to the site’s user-friendly features. 

20. Datalign Advisory

Datalign Advisory programmatically connects in-market users with financial advisors from its network of vetted fiduciaries. This beautiful financial advisor website boldly displays the Smalt color from its logo as its site’s primary color. 

Consistent with the site’s Smalt color are logos of brands that have featured the firm and multiple call-to-action buttons, uniquely placed on the homepage. 

I love how the Datalign Advisory website arranges its content into distinct sections on the homepage, making it visually engaging for visitors. 

21. Retirable

Retirable is on a mission to create financial stability for every retiree, helping people with concrete financial planning for retirement. 

This great advisor website is beautiful, sticking to a consistent Deep Peach and Aqua Spring color scheme , two of the logos’s three colors. 

The hero section has different sections divided by thin black lines , having a unique effect on the website design. Attached to the hero section are logos of brands Retirable has been featured in, serving as social proof. 

Fintax Andorra combines legal tax and economic solutions to offer an unparalleled tax, immigration, real estate, and financial law advisory service. 

Welcoming website visitors is an attractive hero section using a purple color scheme , adding a personal touch to the web design. Several high-quality images displayed throughout the entire site keep visitors engaged as they scroll through the site’s content. 

Displayed in a centralized three-column layout with the background images adding color to the plain white background are educational resources. 

23. Accutax

Accutax is a specialist tax advisor working closely with clients and their accountants, solicitors, and other advisors to manage and deliver practical and commercial solutions. 

A top financial advisor website, the Accutax single-page website takes a modern approach to its website design. Accessible from the site’s sticky header menu are all the sections on the homepage, one of the site’s user-friendly features. 

Beneath the hero section is a centralized three-column display of the brand’s financial services, alternating between texts and images.  

24. Smart Passive Income

Smart Passive Income offers a dependable learning and development ecosystem for online entrepreneurs to achieve their business goals. This popular financial advisor website directs visitors to its blog page from its hero section. 

I love how Smart Passive Income features a three-column display of content from its blog page , each headlined by a particular niche. The web design of the Smart Passive Income website is consistent with a centralized layout , leaving white space throughout the site.

25. RLS Wealth

RLS Wealth prides itself as a financial champion for life’s pursuits, helping people with their financial planning. One of the best financial advisor websites, RLS Wealth is professionally designed with features that immediately tell what to expect. 

There are recent articles from the firm’s founder displayed in a three-column layout on a Regal Blue colored background , each linked to his blog page. I love the clever use of bold typography on plain backgrounds, making the texts displayed more engaging for site visitors.

26. Allen Capital Group

Made with Duda

Allen Capital Group offers next-level solutions for next-level needs, putting their clients first as regards their financial planning, tax, and accounting needs. This top financial advisor website example welcomes visitors to free videos playing in the hero section background. 

Visible in the site’s sticky header menu is a “Let’s Chat” call-to-action button, linked to the site’s online communication channel. I like how all the call-to-action buttons on the site are consistent, displaying clear text on a Greyish Teal background.

Best Financial Advisor Websites FAQs

As important as having a website is for financial advisors, the purpose mustn't be defeated by creating a below-par website. Wix, Squarespace, and Webflow are among the best website-building options to create your own financial advisor website. They offer standout features and easy-to-use tools at an affordable price.

Yes, financial advisors can have their own websites. A financial advisor website optimized for search engine visibility and appealing to your target market is a handy tool to scale your business.

One of the best ways financial advisors attract first-time clients is by determining their particular niche and devising digital marketing strategies that help them build trust with communities. Relationship building is key to attracting new clients and having a financial advisor website is a step in the process. 

Creating a financial advisor website is now relatively easy, with different website builders offering ready-made templates. For those seeking a professional look for their financial advisor website, hiring a website designer is a great option. 

The best financial advisor websites include Clark Asset Management, Independent Financial Partners, Guide Financial Planning, HCR Wealth Advisors, Good Financial Cents, Bragg Financial, Carson Wealth, Sabine Financial, LPL Financial, and Rivera Capital. 

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The 50 Best Financial Advisor Websites

One of our favorite parts of working with our financial advisors and broker-dealers is the reveal of each new website. It’s so exciting to see the unique personality and perspective of each advisor expressed through a website, and our team takes great pride in working with our clients to create something beautiful that stays true to the advisor and the people they serve. In this article, we cover 50 of the best financial advisor websites to help demonstrate how we can help your business and inspire your next website redesign .

Financial Advisors Need a Website

Websites are essential to an advisor’s marketing and act as your first impression, introducing your brand and allowing prospects to learn more without having to make direct contact. This gives visitors the chance to self-qualify, improving the quality of leads that reach out and saving both the prospect and your team time.

What Makes a Great Advisor Website

The best websites follow five rules to introduce an advisor’s brand and guide visitors to self-qualification. Learn more about the five rules of a great advisor website in this video with FMG’s Chief Evangelist, Samantha Russell.

Top 50 Best Financial Advisor Websites

Without a doubt, every site we create has its own distinct features, but there are some that stand out. To demonstrate that, we’ve compiled a few of the best financial advisor websites, in no particular order, to inspire your own.

1. Peltoma Capital Partners

Why we love it:.

Despite containing a wide variety of resources and pages, the Peltoma Capital Partners website is well organized. Special attention to design makes information easy to absorb, making the process of learning about and communicating with the firm simple. Plus, special emphasis on Peltoma Capital Partner’s story and the heart behind the firm helps the brand stand out, offering a perfect example to smaller firms looking to differentiate themselves.

Check out the site here: https://www.peltomacapital.com

2. District Financial Planning

This site offers a great example of using client testimonials in marketing. By including them alongside their services and just before their contact form, they demonstrate the efficacy of their firm and help persuade leads to contact them. 

Check out the site here: https://www.districtfinancialplanning.com

3. RPI Financial Life Planners

One of the best ways to build a relationship with a client and attract new ones is to make yourself a resource. For most firms, this comes in the form of a blog. However, RPI Financial Life Planners went above and beyond by focusing on video resources on a variety of topics. Best of all, these resources are tied to a call-to-action, giving the site more opportunities to connect with visitors.

Check out the site here: https://www.rpiplan.com

4. Shifting the Culture Wealth Partners

Typically, the comprehensive wealth strategies of a family office are only offered to the ultra-wealthy. The Shifting the Culture website changes this narrative. By focusing on the specific needs of an audience, the site acts as a great example of how to craft a niche from relatively broad services.

Check out the site here: https://www.stcwealth.com

5. Doug Nelson Money Coach

Effective branding is a great way to stand out from competitors. This site offers an example of a great personal brand that leverages the one-on-one nature of the advisor’s services, giving prospects an idea of what it’s like to work with Doug Nelson in a way that may appeal to his ideal audience – a win-win of branding, making it a clear choice for our list of the best financial advisor websites.

Check out the site here: https://www.dougnelsonmoneycoach.com

6. Strategies for Wealth

We love the Strategies for Wealth site because it takes one of the biggest challenges of marketing a firm with a wide range of services and turns it into its biggest benefit. This is shown throughout the site’s copy, which emphasizes a history of personalized planning.

Check out the site here: https://www.strategiesforwealth.com

7. Marrero Wealth

The Marrero Wealth site stands out for a variety of reasons, but most of all due to its robust content library. Blogs, videos, market updates, and more are supplied to visitors and clients alike, providing not only SEO benefits to the site but also positioning it as a strong resource for financial knowledge.

Check out the site here: https://www.marrerowealth.com

8. Springbok Wealth Partners

With a homepage that breaks down ideal clients, services, pricing, and content for lead-gen, this website is a great example of how to help visitors self-qualify.

Check out the site here: https://www.springbokwealth.com

9. Navis Wealth Advisors

The Navis Wealth Advisors site does a good job of keeping its promise of helping clients navigate and find their trajectory. The site makes it simple to traverse pages and find any information that a client would find useful and educational. One of the best additions is the services page, which is stylized with another compass that points to each of Navis’ financial services and solutions. Any site visitor would have no trouble getting to where they need to be, making this a site with real direction. Learn more about Navis Wealth Advisors in our showcase article featuring a Q&A that explores the design process and shares the website’s top features. 

Check out the site here: https://www.naviswealth.com

10. U-Core Capital

Upon first visiting this site, you are greeted with client-centered copy from the get-go, as the first text beneath the header breaks down the brand’s core principles and primary focus – the client’s goals.

Check out the site here: https://www.u-corecapital.com

Looking for More Website Inspiration?

Our website gallery features a collection of best-in-class websites built with FMG.

11. Money Maven Financial

By showing off their wonderful aesthetic design, visitors feel instantly connected to this Bellingham-based firm. The soft spacing and calming color choices are modern yet professional, and the CTAs on the subpages make it easier for visitors to become customers. The easy to navigate design makes it easy for visitors and clients alike to find exactly what they’re looking for.

Check out the site here: https://www.moneymavenfinancial.com/

12. Humanitis Financial

While the Humanitis Financial site was built quite quickly, nothing was sacrificed in terms of design. We wanted them to stand out as unique, so we crafted a lovely website. The site is slick and boosts an emphasis on ease of access by having the navigation pane always visible, allowing for fast page swapping. The easy-to-read text makes it so that site visitors will never have trouble finding their way around, giving them a wonderful experience.

Check out the site here: https://www.humanitasfinancial.com/home

13. Peak Financial Solutions

A simple layout and emphasis on clear navigation make this site visually pleasing while still providing the right amount of information to ensure visitors can find what they need. The panels near the bottom appeal to current and potential customers and keep visitors engaged and connected. This streamlined design provides all the information clients need in one friendly package and makes it one of our top financial advisor websites.

Check out the site here: https://www.peakfinancialsolutions.com

14. Cabot Wealth Management

The first thing visitors will notice when connecting to the site is the lovely carousel of important pages and updates. The carousel makes learning about the company and its services simple and efficient.

It’s no wonder that Cabot’s favorite feature of his FMG Suite site is “the flexibility, as well as the ability to easily add content.” It’s great to see how much the team has customized this top financial planning website to make it fit this unique firm.

Check out the site here: https://www.ecabot.com

15. Tahoe Rim Wealth Management

Clear, effective copy emphasizes the client throughout this site. Effective use of brand color in the CTAs and images draws the eye to specific elements on each page. Tahoe Rim Wealth Management now has a stunning website that truly fits their firm’s personality, making them the final entry in our list of the best financial advisor websites.

https://www.tahoerimwealthadvisors.com

16. Plummer Wealth Strategies

A clear value proposition, a dramatic full-screen image, and simple navigation make this site a great example of advisor website best practices in action. 

Check out the site here: https://www.pwsplanning.com/

17. Steinhandler Wealth Advisors

This site uses its branding and imagery to emphasize its location, with features like reflective buttons calling back to the skyscrapers of the Chicago skyline. 

Check out the site here: https://www.steinhandlerwa.com/

18. Trudence Advisors

This advisor site uses unique, illustrated imagery to create a memorable experience for visitors, allowing them to stand out from competitors and land a spot on our list of best financial advisor websites.

Check out the site here: https://www.trudenceadvisors.com/

19. Carver Capital

By emphasizing and providing plenty of background information on the business, this website allows visitors to connect with the brand and offers a wide range of services to a variety of audiences. 

Check out the site here: https://www.carver-capital.com/

20. FSL Advisors

FLS starts off by highlighting exactly who they serve so that there’s no confusion to their client base. Making it easy for site visitors to know if they’re the right advisor for their needs.

Check out the site here: https://www.fsladvisors.net/

21. Elevation Wealth Partners

Elevation is a one-page dream, making it so all the important information is available with one click and some scrolling. They ensure all the information a client might need is right on the homepage.

Check out the site here: https://www.elevationwealthpartnersnm.com/

22. Well Lived Wealth

WLW makes sure its site is personable and welcoming. Introducing their founder right off the bat and putting a face to the name. The site also uses a one-page design, making it easy to find information.

Check out the site here: https://www.welllivedwealth.com/

23. InVested

InVested goes for a minimalist design, as its homepage shows off its unique way of working with clients. Highlighting their focus on building long-term relationships and helping them work through their financial lives.

Check out the site here: https://www.weareinvested.com/

24. Client 1st Advisory Group

Client 1st starts it off right with a CTA that invites clients and prospects to “write your next chapter together…” Along with a website color scheme that matches their logo, it’s not surprising that it makes it on our list of best financial advisor websites. 

Check out the site here:  https://www.c1ag.com/

25. Mountain States Insurance Group

This site uses a simple and clean design to highlight what it can offer its clients. Using a combination CTA that both introduces themselves but also serves as the starting point for the customer journey. 

Check out the site here: https://mtnstatesins.com/

26. Family Wealth & Legacy

Family Wealth’s site starts off with a question that prompts site visitors to think. The whole site makes use of visitors’ curiosity and hunt for information, which is great for increasing site time and showing off expertise. 

Check out the site here: https://www.familywealthandlegacy.com/

27. Retirement Matters

Much like their intro states, Retirement Matters simplifies retirement and website design. With a clean and sleek site, it’s easy to see what makes Retirement Matter’s site so appealing. 

Check out the site here: https://www.retirementmatters.co//

28. Spencer Financial

Everything you need to know is found on one page, which makes surfing this site easy and stress-free. Including a CTA, informational links, contacts, and much more.

Check out the site here: https://www.spencerfinancialinc.com/

29. Caudle Financial Group

Caudle’s website is all about togetherness, showing off their integrity and reliability. Using imagery that inspires working with others and being ready for the road ahead is great as a retirement financial planner/advisor. 

Check out the site here: https://www.caudlefinancial.com/

30. Baxter & Associates

Baxter is all for aesthetically pleasing sites, as the website is just wonderfully designed. The words and images go together and really show off what they have to offer their clients. 

Check out the site here: https://www.money-planning.com/

31. Dynamic Financial Services

Dynamic’s website gravitates around the important questions and answers clients are looking for. The site is designed to answer those questions and entice visitors to schedule a demo or contact them.

Check out the site here: https://www.dynamicfinancialny.com/

32. HBCU Legacy

HBCU’s website does a great job of sharing all the important information that visitors need to know about. Even explaining how they work and the steps that clients will take when working with them. 

Check out the site here: https://www.hbculegacy.com/

33. Fross & Fross Wealth Management

This website goes into detail about the team and how they work hard to make sure their clients are taken care of. They also highlight events they’re hosting to ensure no one misses out.

Check out the site here: https://www.frossandfross.com/

34. Integrated Tax & Wealth Strategies

The instant you load up the site, you know exactly who you’re dealing with as you’re shown a lovely animated video. Along with easy navigation, you’ll always find what you’re looking for.

Check out the site here: https://www.myitws.com/

35. JFS Wealth Management

JFS Wealth makes it easy to trust its expertise as its website holds all the information clients will need. With a resource center, tool center, and more.

Check out the site here: https://www.jfswealth.com/

36. AscendWealth

AscendWealth makes it easy for clients to climb their mountain with a great homepage video and a blog to keep its visitors informed. 

Check out the site here: https://www.ascendwealth.us/

37. Accenden Wealth

With everything within one or two clicks, it’s no surprise that this website is impressive. Visitors are able to easily find all the information they need within seconds on the Accenden Wealth website. 

Check out the site here: https://www.accenden.com/

38. Sanchez Wealth Management Group

The Sanchez Wealth website makes use of navigational tabs to ensure that the visitor experience is seamless and accessible. Visitors will be able to find anything they need with one to two clicks. 

Check out the site here: https://www.sanchezwealth.com/

39. Good Better Best

This site offers a fantastic example of generational wealth strategies.

Check out the site here: https://www.goodbetterbestfp.com/

40. VCU Wealth Management

T his firm branded its retirement process, allowing the service to stand out on its site and help differentiate it from competitors, offering a great example to firms looking to do the same. 

Check out the site here: https://www.vcuwealth.com/

41. Three Rivers Diversified Capital

Offering a variety of resources, including a quiz, this site demonstrates how content can be featured on an advisor site.

Check out the site here: https://www.trdcap.com/

42. Oaktree Financial Advisors

If you’re looking for a website that focuses on a specific audience, this firm’s site is a great example. 

Check out the site here: https://www.oaktreeadvisors.com/

43. Madison Financial Planning

The use of video and awards on this site’s homepage helps it stand out from competitors, introduce the advisors, and support their expertise. 

Check out the site here: https://www.madisonfinancialplan.com/

44. Marathon Financial Advisors 

Conversational copy allows this site to connect with its ideal audience by positioning the firm as the client’s advocate, helping them achieve their goals. 

Check out the site here: https://www.marathonadv.com/

45. Main Street Advisors

Outside of this site’s beautiful design, it also offers an example of using content as part of your lead generation process. 

Check out the site here: https://www.mymainstreetadvisors.com/

46. FSC Wealth Advisors 

This site provides a great example of using client questions in your copy to show how your services connect to their needs. Learn more about FSC Wealth Advisors in our showcase article featuring a Q&A that explores the design process and shares the website’s top features. 

Check out the site here: https://www.fscwealthadvisors.com/

47. Symbio Financial Partners

This site acts as a single page to guide visitors, providing all of the information they might need to self-qualify and reach contact with the firm.

Check out the site here: https://www.symbiofinancialpartners.com/

48. Landing Point Advisors 

A beautiful homepage emphasizing the firm’s location, along with effective copy makes this an example of a website that leaves a strong first impression on visitors.

Check out the site here: https://www.landingpointadvisors.com/

49. BFS Advisory Group

This site offers an example of an effective value proposition, placing the client at the center of their messaging. 

Check out the site here: https://www.bfsadvisorygroup.com/

50. Gambrell Financial Advisors

This site’s value proposition establishes the firm’s expertise and location, allowing it to appeal to local clients and closing our list of the best financial advisor websites. 

Check out the site here: https://www.gambrelladvisors.com/

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• What is financial planning? 

6 steps to create a financial plan

Benefits of financial planning.

• The bottom line

Financial planning basics: How to create a financial plan

Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews.

• Financial planning is a practice that helps you track and manage your money with the purpose of reaching your financial goals.
• Create a strong financial plan by setting goals, tracking cash flow, budgeting, investing, and paying down debt. 
• A CFA or CFP can assist you in creating a personalized financial plan.

Life may be full of twists and turns, but a strong financial plan can help you stay on track toward reaching your goals. From paying off your student loans to buying a house, a comprehensive individualized plan is the best way to go. 

Financial planning is a broad and encompassing practice that aids you and your family in better managing your money and preparing for potential risks. No matter what your current financial situation is, a solid financial plan offers guidance and insight beneficial to all households.

Read about our picks for the best financial advisors here.

What is financial planning? 

Financial planning is essential to achieving long-term and short-term financial goals, while also preparing you for potential future risks and obligations. No two financial plans are the same. Your plan should accurately reflect your own financial needs, goals, and best course of action. 

"The purpose of a financial plan is to help clients — whether it be an individual, family, or business — achieve their financial goals and objectives by creating a structured roadmap for managing their finances effectively," says Chloe Wohlforth, CFP, Partner at Angeles Wealth Management . "A well-crafted financial plan considers a person's current financial situation, future financial goals, and risk tolerance."

Financial plans often address retirement savings, wealth-building strategies, emergency savings plans, tax optimization strategies, college funds, and debt consolidation .

To create a comprehensive plan, you'll need to thoroughly evaluate your current financial situation, such as household income and debt (including car payments, loans, and credit card debt). Most plans tend to involve budgeting, saving, and routine investing. 

You can craft a financial plan yourself or enlist professional assistance. Search for the best online financial advisors or planners, or look for in-person advisors.

"Financial advisors can help you create a financial plan by understanding your goals, values and risk tolerance, and then building a customized path that they can guide you along to enrich your life to its fullest potential," says Jordan Gilberti, CFP and senior lead planner at Facet.

Financial planning isn't as hard as you might think. Here are six steps you can take to create your own financial plan. 

1. Set financial goals

The first step in creating a strong financial plan is identifying your goals. Whether by yourself or with a partner, you should know what you're aiming for. 

"Set your goals and priorities by envisioning a future for yourself over the short, medium, and long term, and what you would like to achieve financially," says Gilberti. "Get yourself organized by gathering all relevant financial documents, including your investment accounts, insurance policies, debts, and other assets."

You can start by asking yourself: What do you want to achieve in five years? How about in 10 or 20 years? Are you looking to buy a house? Have kids? Plan a huge trip? 

Financial planning should feel intentional, and you can more easily draw motivation from clear, obtainable objectives. Consider at least three goals with the following information: 

• How much will it cost? If you're looking to save for a house or pay off student debt, for example, you should have a number you're aiming for. For instance, how much will it cost to buy a house and how much are you needing to save to make it happen?
• What is my deadline? Once you know how much you need to save, you'll need to set a realistic timeline. For example, how long do you think it will take to save up for a down payment on a house? 
• Where should I store the funds? While you can store all your funds in the same bank account, you may want to separate your funds into different savings accounts or brokerage accounts. 

2. Track your finances

What's coming in and what's going out? Before you can start responsibly budgeting, review your cash flow to reveal more ways to save. While some expenses — like rent or gas — are mandatory expenses, you may uncover nonessential charges that are draining your funds.

"The best way to budget is to ask for help. Often clients don't budget because they don't know where to begin. An advisor can help you think about your expenses in different categories. What is discretionary, what is non-discretionary? What is an expense that might be costly now, but only for a fixed amount of time?" says Wohlforth.

Once you have a grasp on your spending habits, you can budget. A beginner-friendly method of budgeting is the 50/30/20 rule , which is suitable for both consistent and irregular-income households. Basically, this plan is a rule of thumb that designates 50% of your income to mandatory expenses, 30% to wants, and 20% to debt or savings.

But keep in mind that everyone's financial situation is unique and the 50/30/20 budget plan won't be suitable for everyone. 

3. Create an emergency fund

Part of establishing a realistic budget is setting aside cash in case of emergencies.

"An emergency fund is typically a savings account that serves as a safety net from unforeseen financial difficulties that you may face throughout your life," Gilberti says. "Examples may include a job loss, disability, home appliance breaking, and more."

Emergencies are unexpected, so having the extra funds on hand can help you pay for medical emergencies and other sudden bills. An emergency budget may also protect you against racking up credit card debt and interest. 

Check out Insider's picks for the best budgeting apps

4. Reduce and manage debt

Reducing and managing debt is a crucial step in financial planning. Even if you're storing a good chunk of cash in a savings or brokerage account, high-interest debt will weigh you down. The longer your debt accumulates interest, the more money you'll lose in the long run. 

You may want to pay down expenses like credit card balances, student loans , and car payments sooner rather than later. You may want to include regular debt payments in your budget plan. 

5. Diversify your investment portfolio

One of the best ways to save for future financial goals and build wealth is through investing. While investing can be risky, a diverse portfolio of stocks, bonds, ETFs, and alternative investments can significantly lower the risk. There are plenty of beginner-friendly online brokerages, robo-advisors, and investing platforms.

The best investing apps for beginners and the best online brokerages for beginners are low-cost and best for passive traders. These sites also allow you to customize your investing portfolio based on your financial goals, risk tolerance, and time horizon.

Automatic investing platforms like SoFi Invest , Fidelity Go , and Wealthfront are also ideal for new investors. Robo-advisors are a flexible and accessible way for hands-off traders to buy and sell assets. 

6. Plan for retirement

A retirement account is one type of investing account. Early retirement may even be one of your long-term financial goals. The best retirement plan for you depends on your individual situation. 

One of the easiest ways to start savings for retirement is through an employee-sponsored retirement plan like a 401(k) , 403(b) , or SEP IRA . These are tax-advantaged accounts that collect a portion of your salary. Some plans, like most 401(k)s, may offer to match an employee's contributions up to a certain percentage. 

In order to grow your account faster, find out how much your employer matches and contribute enough to reach the maximum contribution amount.  In 2023, you can contribute up to $22,500 if you're under 50 years old (people age 50 or older can add an additional $7,500), but keep in mind that you can't withdraw funds until you're 59 1/2. 

Another option is an individual retirement account (IRA), which functions similarly to a 401(k) but it is not sponsored by an employer. IRAs are also tax-advantaged accounts and are often more flexible. In 2023, you can contribute up to $6,500 if you're under 50 (up to $7,500 if you're 50 or older). You also can't withdraw until you're at least 59 1/2. 

A well-thought-out plan not only helps you meet your financial goals but will also map out an accessible course of action based on your individual circumstances. Not only can you better your understanding of your own finances, but you can also focus on reaching important steps. Plus, you're more likely to reach your goals faster. 

While it may be stressful in the beginning, having a clear insight into your income and spending can reduce future stress and financial worry. The more you understand your own financial needs, the more realistic your expectations about the future.

You may also be better prepared for emergencies, like disability or financial trouble. Routinely contributing to an emergency fund is a great way to reduce financial stress and prevent your savings from being drained if trouble arises. 

Financial planning frequently asked questions (FAQs)

Financial planning means that an individual(s) tracks cash flow, budgets expenses, saves for retirement, pays down/manages debt, and invests funds in order to reach long and short-term financial goals. It's a personalized plan based on individual values, risk tolerances, and time horizons.

An example of financial planning may look like a young couple with dual income devising a plan to buy a home in five years based on their current cash flow. In order to reach this goal, the couple establishes a reasonable budget based on necessary monthly expenses (including debt payments), consistent monthly income, and what's left over to save. They develop a plan to pay down their high-interest credit card debt first. Then they open a high-yield savings account and put savings for their down payment into this account, while also contributing to an emergency fund in case any unexpected expenses come up in the next five years.

You can start financial planning by determining your financial goals and tracking your cash flow. If you're struggling to start, you can reach out to a financial planner, financial advisor, or financial consultant for help. 

How to start financial planning

Everyone can benefit from financial planning, no matter what your current financial situation is. A plan can lay out the steps you need to take to reach your long and short-term goals. Whether it's early retirement, buying a house, savings up for a wedding or creating a college fund , a personalized financial plan can help you get there. 

You can start planning by setting goals, tracking your cash flow, budgeting, paying down debt , investing in a diversified investment portfolio, and saving for retirement.

But remember that financial plans aren't static. You'll need to consistently reevaluate your plan in order to make sure it reflects your current situation and goals. 

"While you should be constantly monitoring and adjusting your plan as your life changes, some typical triggers for an update in your financial plan may include a change in income/employment, change in marital status, birth of a child, receiving an inheritance, and much more," says Gilberti. 

If you're having trouble getting started, a certified financial advisor or financial planner can guide you through the process. You can find a financial advisor through online reviews or by talking with friends and family. 

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Best Financial Planning Websites

• By Bullish Bears
• Updated April 15, 2024
• Reviewed by Lucien Bechard
• Fact checked by Angelica Rieder

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Looking for financial planning websites to help you retire? So, what’s your number? At what age do you expect to retire? How much money do you need to live off each month? How much do you have to save each month, so you can retire comfortably? By now you’ve likely heard the magic number to save is around $1 to $1.5 million. And if these questions have set off a momentary wave of panic because you can’t even save $100, don’t despair.

Table of Contents

Personal Capital in a Nutsell

How is personal capital different, positives: financial planning websites, more positives, negatives: financial planning websites, final thoughts, who are the best financial planning websites.

• Here are some of the best  financial  planning websites:
• Personal Capital
• Constellation Wealth
• Bayview Financial
• Accumulation Wealth
• Heller Wealth Management
• Mountain Pass
• Gallacher Capital

You can get yourself there with a little bit of planning and preparation. What’s important is that you have the right  tools  at your disposal.

You can go about it a couple different ways. As a result, you can learn stock trading  or have an investment company do the work for you.

And with the sheer number of financial planning websites, you’re in good hands. So, let’s jump in and look at one of the favorites on the market: Personal Capital .

Founded in 2009, Personal Capital is one of the first  robo-advisers for high-net-worth clients. With impressive growth since its inception, the company now manages over $8 billion in assets; overall, it has a great reputation.

It has consistently been rated as one of the best personal finance apps! Access to the Personal Capital Algorithm (a.k.a robo-advisor) along with a personal financial adviser (human) requires an account balance of $100,000 or more.

In essence, Personal Capital is looking to cater to the higher-net-worth individual as many robo-advisers on the market have $0 account minimums to get started.

Want to learn more about robo-investing and financial planning websites? Then check out  our trading service.

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What’s different with Personal Capital versus all the other robo-advisers on the market is that they combine the human touch with their services.

All clients get their financial adviser. In a nutshell, their goal is to provide cutting-edge technology  with professional investing advice.

There is no need to despair if you don’t have $100,000 in assets; you can download their free financial tracking tool . This is great for those of you trying to get your spending under control.

It allows you to monitor all your transactions, from your banking accounts to your credit cards and investment accounts, all in one spot.

Moreover, their free Retirement Planner is one of the most comprehensive calculators I’ve yet to see on the market.

Check out our stock market courses to learn how to invest money.

Are Wealth Management Fees Worth It?

While their financial dashboard tools are free, their wealth management service is not. Compared to other robo-advisers on the market, Personal Capital isn’t cheap.

With a starting fee of 0.89%, some may be hesitant to join, considering many others charge just 0.30% or even less. Consider Vanguard , for example, which charges 0.30%  and provides clients with a dedicated adviser with only $500,000 invested.

And Betterment Premium, Betterment’s answer to the hybrid model, charges 0.40% for unlimited phone access to advisers.

However, Personal Capital is still a lot less than what’s charged by many human financial advisers. What’s great about Personal Capital is that their wealth management, trade costs, and custody fees are all included.

This means you don’t need to pay commissions on trades. Other robo-advisory services are starting to catch on.  Read our post  on investing.

For example, many of Personal Capital’s competitors are now bringing on the same services (human advisers, tax-loss harvesting, re-balancing) for fees starting at just 0.50%, making Personal Capital one of the pricier robo-advisers. Check out our stock alerts service .

360° View of Your Financial Life. You can seamlessly sync all your bank accounts, credit cards, mortgage, and investment accounts without paying a dime. Moreover, with the Budgeting App, you can track your daily, weekly, monthly, and yearly spending habits. With this, you can create a budget, monitor your net worth, and see if you’re on track regarding retirement savings.

The You Index. A complete list of how all your stocks, ETFs, and mutual funds perform over time.

Upcoming Bill Notification.  Find out when your bills are coming and how much is due

Education Planner . It allows you to compare the costs of various educational institutes and help you put a savings plan in place so you can afford it

401 (k) Fee Analyzer. Consider fees, transaction charges, and maintenance to show you how much your retirement plan costs you. I hope you’re still buckled in; this may also be a shocker.

Retirement Planner.  Are you on track for retirement? Perhaps you need to ramp up your savings by $100 a month. This feature will tell you where you need to focus on.

Retirement Paycheck.  Want to know how to withdraw money at retirement so you pay the least in taxes ? This feature shows you how.

Asset Allocation Target.  Do you have the correct asset allocation based on your risk profile? Are you overweight or underweight in any of the categories? This tool analyzes whether or not you need to make some changes and provides you with recommendations.

Ease of Use.  You don’t need an IQ over 145 to figure out how to set up an account and use their tools. Their website is user-friendly with seamless navigation.

Stock Signals & Alerts

Expensive. The price may be steep for A Robo-Adviser, considering you can access free ones online. However, this price also includes access to a human adviser. So, it might not be that expensive, depending on how you look at it.

High Minimum Account Balance. The opening requirement of $100,000 to access their wealth management services might exclude those new to investing. Considering many other robo-advisers have no account minimums, newbies might be enticed to go elsewhere. Check out our review on Acorns ; it’s great for newbies who don’t have much money.

Non-Customizable Asset Allocation. You’ll be in for a surprise if you want to vary from Personal Capital’s recommended asset allocations. This is because they have predetermined models from which you can’t deviate.

Financial planning websites can help you with planning for your future. You can be both risky and non-risky in how you plan.

As a result,  stock market training can come in handy, eEspecially with more control over risky investments. However, don’t forget about Personal Capital.

With high minimum balance requirements and a pricey cost structure, Personal Capital is the best for the high-net-worth investor. Someone who likes having “a guy” but also likes the comfort granted by a robo-advisor and its investment algorithms.

Although Personal Capital’s fees are higher, you’re under no obligation to use their wealth management services. Personal Capital’s financial software is free to use.

If you’re interested only in the free dashboard of financial tools, you will benefit from the intuitive analyzers and projections it offers.

Moreover, their finance software is currently the best online service for monitoring your portfolio. So, if you don’t know your retirement number, I encourage you to sign up and start your financial planning journey today.

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Our traders support each other with knowledge and feedback. People come here to learn, hang out, practice, trade stocks, and more. Our trade rooms are a great place to get live group mentoring and training.

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The Bullish Bears trade alerts include both day trade and swing trade alert signals. These are stocks that we post daily in our Discord for our community members.

These alert signals go along with our stock watch lists. Our watch lists and alert signals are great for your trading education and learning experience.

We want you to see what we see and begin to spot trade setups yourself.

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We also offer real-time stock alerts for those that want to follow our options trades. You have the option to trade stocks instead of going the options trading route if you wish.

Our stock alerts are simple to follow and easy to implement. We post entries and exits.

Also, we provide you with free options courses that teach you how to implement our trades as well.

STOCK TRAINING DOESN’T NEED TO BE HARD

Stock training doesn’t need to be hard. But it sure feels hard when you don’t know where to turn for legitimate knowledge. There are tons of places to learn, but what makes us different?

Well, for starters, we’re just real everyday people who like trade stocks. We’re not gurus portraying a fancy lifestyle of cars and jets and beaches. Can you obtain those things with what we teach you? Sure you can. Is that what motivates us when teaching you how to trade?

Nope. What we really care about is helping you, and seeing you succeed as a trader. We want the everyday person to get the kind of training in the stock market we would have wanted when we started out. 

WHY WE’RE DIFFERENT

What else makes us different? When it comes to the stock market, we’ve won, we’ve lost, we’ve lived, and learned. We’ve been through the ups and downs in the market and figured out what really matters. The Charts…Candlesticks = PRICE ACTION! We’ve created a site that passes all this knowledge on to you.

We don’t charge you an arm and a leg for the stock training we give you. We charge a modest amount that goes towards running our day-to-day operations and paying for our invaluable team moderators that are passionate about teaching YOU!

That’s about it. We could charge more, but we have a pay it forward, give back mentality. It’s not about the money. The best and most important thing for us is YOU. We want to feel good about what we do, and the results and reviews speak for themselves. 

Those emails we get, the feedback, the success we see. That is what our educational trading community is all about. We hold no secrets back. Our trading edge is your trading edge.

STOCK TRAINING DONE RIGHT  

We don’t care what your motivation is to get training in the stock market. If it’s money and wealth for material things, money to travel and build memories, or paying for your child’s education, it’s all good. We know that you’ll walk away from a stronger, more confident, and street-wise trader. 

In our stock trading community, you’re going to get it all. Futures, options trading, and stocks. Not just penny stocks either. Small, mid, and large caps. Each day we have several live streamers showing you the ropes, and talking the community though the action.

There’s no catch, no smoke or mirrors. What you see is what you get. If you’re looking to change your life, or someone else’s, we’re here to help you reach that goal. Get started learning day trading, swing trading, options, or futures trading today!

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TRADING STOCKS IN THE BULLISH BEARS COMMUNITY

Yes, we work hard every day to teach day trading, swing trading, options futures, scalping, and all that fun trading stuff. But we also like to teach you what’s beneath the Foundation of the stock market.

Tell you the TRUTH about how the market works. The importance of controlling your emotions and having a proper mindset when trading. We’re really passionate about teaching you this stuff!

Money isn’t our #1 priority in life. YOU are. Our members come first. Making sure you get comfortable with trading is our priority.

We have members that come from all walks of life and from all over the world. We love the diversity of people, just like we like diversity in trading styles. It creates an environment much like a university or college.

TRADING ROOMS AND LIVE STOCK TRAINING

Each day our team does live streaming where we focus on real-time group mentoring, coaching, and stock training. We teach day trading stocks, options or futures, as well as swing trading. Our live streams are a great way to learn in a real-world environment, without the pressure and noise of trying to do it all yourself or listening to “Talking Heads” on social media or tv.

We will help to challenge your ideas, skills, and perceptions of the stock market. You will learn and grow as a trader. Every day people join our community and we welcome them with open arms. We are much more than just a place to learn how to trade stocks. 

Feel free to ask questions of other members of our trading community. The Bullish Bears are a very helpful crew. We realize that everyone was once a new trader and needs help along the way on their trading journey and that’s what we’re here for. To give you a hand up along your trading journey.

Click Here  to try our trading community free for 7 days.

FREE ONLINE TRADING COURSES

If you’ve looked for trading education elsewhere then you’ll notice that it can be very costly.

We are opposed to charging ridiculous amounts to access experience and quality information. 

That being said, our website is a great resource for traders or investors of all levels to learn about day trading stocks, futures, and options. Swing trading too! 

On our site, you will find thousands of dollars worth of free online trading courses, tutorials, and reviews.

We put all of the tools available to traders to the test and give you first-hand experience in stock trading you won’t find elsewhere.

Our content is packed with the essential knowledge that’s needed to help you to become a successful trader.

It’s important to treat day trading stocks, options, futures, and swing trading like you would with getting a professional degree, a new trade, or starting any new career.

Invest the proper time into your Trading Education and don’t try to run before you learn to crawl. Trading stocks is not a get-rich-quick scheme. It’s not gambling either, though there are people who treat it this way. Don’t be that person! 

STOCK TRADING COURSES FOR BEGINNERS

The Bullish Bears team focuses on keeping things as simple as possible in our online trading courses and chat rooms. We provide our members with courses of all different trading levels and topics.

If you’re a beginner, intermediate level, or looking for expert trading knowledge…we’ve got you covered. 

We have a basic stock trading course, swing trading course, 2 day trading courses, 2 options courses, 2 candlesticks courses, and broker courses to help you get started. Free.

Just choose the course level that you’re most interested in and get started on the right path now. Become a leader, not a follower. When you’re ready you can join our chat rooms and access our Next Level training library. No rush. We’re here to help.

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7 Best Financial Website Design Examples

Last updated: August 26, 2024

A poorly designed financial website can undermine trust and make it difficult for users to find important information. In fact, 73% of businesses invest in great web design to stand out from the competition, while 70% of online businesses fail due to poor web design. 

That’s why we’ve put together a collection of some of the best-designed financial websites to inspire you.

Whether you’re looking to create a new financial site or just curious about what makes a great design, these examples highlight key features that make these sites stand out.

1. Wise (Formerly TransferWise)

Design Type : Minimalist and Transparent Design

Wise is all about making international money transfers easy, and their website design reflects that simplicity. The site is clean, straightforward, and user-friendly, focusing on getting users to the information they need quickly.

Minimalism is not a lack of something. It’s simply the perfect amount of something. ” — Nicholas Burroughs

🎨 Design Highlights

• Minimalist Layout: The design avoids clutter, which means fewer distractions for users. This makes it easy to focus on important actions like sending money.
• Clear Typography: The text is large and easy to read, which is especially helpful for users of all ages and tech skill levels.
• Consistent Color Scheme :  Wise uses a combination of blue, green, and white throughout its design. These colors are consistently applied across the site, contributing to a cohesive and clean visual experience.
• Interactive Features: The currency converter on the homepage is not just a tool; it’s designed to be part of the user experience, offering real-time information in a visually pleasing way.

💡 Tip: Start with a simple layout and build from there. Don’t be afraid of minimalism, but balance it—keeping your design minimal can make it powerful and user-friendly, but avoid making it too bare. Add subtle details and small accents to keep the design engaging without losing its simplicity.

2. Payoneer

Design Type: Professional and Structured Design

Payoneer’s website is designed for businesses and freelancers who need to handle international payments. The design is professional and well-organized, making it easy for users to find what they’re looking for.

• Professional Aesthetic: The site has a polished, business-like appearance, which helps establish credibility.
• Structured Layout: Everything on the site is neatly organized. The grid-based design is carefully arranged so that no section feels overwhelming, making navigation smooth.
• Cohesive Branding: Payoneer uses a consistent color scheme of light blue, light teal, and white, along with clear, modern fonts. This consistent use of colors and typography helps users feel familiar and comfortable as they navigate.
• Dynamic Elements: There are small, subtle animations that add life to the site without being distracting. These can make the site feel more modern and engaging.

💡 Tip: Consistency is key. Make sure your fonts, colors, and styles match across all pages. This helps build a strong brand identity and makes your site look more professional.

Design Type: Bold and Vibrant Design

Monzo is a digital bank that’s popular with younger users. Their website is colorful, bold, and full of energy, reflecting the brand’s modern and tech-savvy image.

If you’re looking to create a financial website with a fun and approachable vibe, we’d recommend taking inspiration from Monzo. They do a great job of using playful images paired with bright orange accents. 

These fun visuals combined with the bold color create a site that feels lively and welcoming, showing how you can inject personality into financial services. It’s a perfect example of how to make a financial website feel both engaging and user-friendly.

• Bold and Bright Colors: The website uses a vibrant color palette that’s not only eye-catching but also reflects the youthful and dynamic spirit of the brand.
• Mobile-First Design: Since many of Monzo’s users are on mobile devices, the website is optimized for mobile viewing, making it look and work great on any screen size.
• Interactive Elements: From scroll effects to animations, Monzo’s site is full of little details that make the user experience more engaging and fun.
• Engaging Visuals: Large images and illustrations help convey Monzo’s innovative and customer-friendly ethos, making the site feel more personal.

💡 Tip: Bold colors like orange can make your site stand out, but use them carefully. Too much can be overwhelming, so balance them with neutral tones. Highlight key areas like buttons, but don’t let bright colors overpower the layout. Make sure these colors don’t interfere with readability or navigation.

Design Type: Modern and Developer-Friendly Design

Stripe is a payment processing platform that’s geared towards developers and businesses. Their website is sleek, modern, and designed with functionality in mind, making it easy for users to access technical information without feeling overwhelmed.

We love how Stripe uses the perfect blend of colors to grab your attention as soon as you land on the site. The site combines dark blues and purples with vibrant gradient accents and crisp white text, creating a modern and engaging look that feels both professional and inviting. 

These colors work together beautifully to highlight key areas and make the overall design feel fresh and dynamic.

• Modern, Clean Design: Stripe’s design is all about simplicity and ease of use. The site uses a lot of negative space (areas without content) to keep the focus on the important information.
• High-Quality Visuals: The site uses sharp, high-resolution images and subtle animations that make the experience feel polished and professional.
• Responsive Design: Whether you’re on a computer, tablet, or phone, the site adjusts perfectly to fit your screen, providing a seamless experience.
• Intuitive Navigation: The top menu is well-organized, making it easy to find the specific information you need, whether it’s about products, solutions, or documentation.

💡 Tip: Don’t be afraid of using empty space. Sometimes less is more—leaving space around your content can make your website feel more organized and easier to navigate.

Design Type: Sleek and Professional Design

SoFi provides financial products like loans and investment services, and their website is designed to be both sleek and approachable. The design is clean and user-friendly, making it easy for users to explore their options.

• Sleek Design: The website boasts a polished and modern look that feels both professional and welcoming, making it easy for users to navigate and find what they need.
• Consistent Branding: SoFi uses a cohesive color palette of blues and whites, along with consistent typography, which reinforces its brand identity across the site.
• Clear Content Organization: Despite offering a wide range of financial products and services, the site is well-organized, with distinct sections for different offerings like loans, investing, and banking.
• Straightforward Navigation: The site emphasizes user-friendliness with clearly labeled menus and intuitive navigation paths.

💡 Tip: If your site has a lot of information, organize it with dropdowns or tabs for easy navigation.

Design Type: Cutting-Edge and Dynamic Design

Revolut is known for its innovative financial services, and their website design reflects this with a modern, cutting-edge approach. 

The site is visually dynamic, with bold colors and interactive features that engage users.

• Modern, Dynamic Design: Revolut’s site uses bold colors and striking visuals to create a sense of innovation and energy.
• Interactive Features: Engaging animations and hover effects add a layer of interactivity, making the site feel lively and modern.
• Clear Organization: Despite its dynamic design, the site remains well-organized, making it easy for users to find information about the various services offered.
• Mobile Optimization: The site is designed to work seamlessly across all devices, providing a consistent experience whether you’re on a desktop or mobile.

💡 Pro Tip: If you want your site to stand out, consider adding dynamic elements like background videos, animations, or bold visuals. Just remember to keep it balanced—your site should still be easy to navigate. Here is a good example of such page from Diceus . (Although Diceus isn’t a financial website, this specific page covers a financial topic.)

Design Type: Crisp and Functional Design

Square offers payment solutions for businesses, and their website is all about clarity and ease of use. 

The design is clean and functional, with a strong use of contrast that makes it easy for users to find the tools and information they need.

• Crisp, Clear Design: The design is straightforward, with clean lines and easy-to-read text. It’s all about making the user’s journey as simple as possible.
• Modular Layout: The website is organized into sections that are easy to navigate, making it simple for users to quickly find what they’re looking for.
• Strong Branding: The consistent use of color, typography, and logos reinforces Square’s brand identity across the site.
• Subtle Animations: Small, subtle animations guide users through the site and make the experience feel smooth and modern.

💡 Tip: Focus on functionality first. A clear, well-organized website with strong contrast will always be more effective than one that’s visually busy or confusing.

Designing a financial website requires a careful balance of functionality, user experience, and visual appeal .

The examples we’ve looked at—from Wise’s clean, minimalist style to Revolut’s bold and interactive design—show how different approaches can successfully meet user needs while keeping the brand’s identity strong. 

We’d love to hear your thoughts! Which design elements do you find most important for a financial website? Share your opinions with us! 🙂

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Finteck - Finance Website Template

The Finteck - finance website template is a versatile finance Webflow template designed for SaaS companies, startup businesses, banks, investments, and mobile banking. It is easy to use and fully customizable business template for financial

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Brief Description of Finteck - Finance Website Template

The Finteck is a versatile finance website template for finance-focused websites. Designed with precision, it caters to the needs of financial institutions and SaaS companies. It offers a modern design, perfect for showcasing financial services and products. With 22 customizable pages, it provides everything needed for a comprehensive online presence.

This finance Webflow template is ideal for businesses in the banking and investment sectors. It’s built to support mobile banking and online payment gateways, enhancing customer experience. Finteck’s clean and professional design is tailored for banking startups and tech companies. It’s a powerful solution for creating a dynamic financial website.

The Finteck template is perfect for businesses needing a robust financial website design. Its layout is crafted to suit banking software and digital products alike. The template’s adaptability ensures it meets the diverse needs of the finance industry. This banking template is the go-to choice for any business looking to establish a solid online presence.

Template Ideal For

This financial website template is ideal for a range of financial businesses. It’s best for Banks, Investment firms, Tech startups, SaaS companies, Banking startups, Online payment gateways, Tech companies, Financial website design, Digital products, etc.

Essential Pages of This Finance Website Template

The Finteck - Finance Website Template includes 22 pages, with 14 static pages, 6 CMS Collection pages, and 2 utility pages. Among these, the two home pages, about page, and careers page are key highlights. The feature page is designed to showcase the unique aspects of your business. Each page is crafted to provide a seamless user experience on your financial website.

In addition to these, the blog page and pricing page are essential for engaging your audience. The blog page allows you to share valuable insights and updates on your business. The pricing page is straightforward, providing clear information on your services. These pages are designed to maximize engagement and conversion rates on your website.

Reason for Choosing This Webflow Template

Choosing the Finteck - Finance Website Template is a strategic decision for financial businesses. Its extensive customization options make it adaptable to various business needs. The template’s design is modern and user-friendly, ideal for tech companies and banks. It’s an excellent choice for building a professional and trustworthy financial website.

Another reason for selecting this finance template is its focus on enhancing user experience. Whether you’re in the banking software sector or managing a startup, Finteck delivers. The template is built with the latest web technologies, ensuring your site stays up-to-date. This finance Webflow template is an investment in the future of your online presence.

Feature List of Finteck - Finance Website Template

Premium & creative design:.

This startup template is crafted with a premium and creative design to impress visitors immediately. The design ensures a professional look, enhancing the credibility of your financial website.

100% Mobile Responsive:

The Finteck template for finance website is fully mobile responsive, ensuring a seamless experience on any device. Your website will look and function perfectly on smartphones, tablets, and desktops.

Fully Customized:

This tech template is fully customizable, allowing you to tailor it to your brand’s needs. Every element can be adjusted, providing complete control over your website's appearance.

SEO Friendly:

The Finteck finance template is designed with SEO in mind, helping your website rank higher. It includes essential SEO features, ensuring better visibility and reach on search engines.

Webflow CMS:

This business template is built with Webflow CMS, simplifying content management for your website. You can easily update and manage content, ensuring your site stays fresh and current.

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Uses fonts from Google's Web Font collection.

Display images and text elegantly on every device with our touch-friendly slider.

Site navigation automatically collapses into a mobile-friendly menu on smaller devices.

All graphics are optimized for devices with high DPI screens.

Custom design for the 404 page of your website

Reusable elements you can use across your site. Edit a symbol and all copies update instantly.

Showcase high-res photos and videos on a black backdrop.

Reposition and resize items anywhere within the grid to produce powerful, responsive layouts — faster and without code.

Customize the built-in database for your project or just add new content.

Displays perfectly on desktops, tablets, and phones.

Build your lead lists and subscriber base with beautiful forms.

Comes with animations and interactions for additional polish and usability.

Display 3D graphics elegantly on every device.

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By executing a search, I agree to Terms and Conditions for the Find a CERTIFIED FINANCIAL PLANNER™ Professional Search

When it comes to your financial security, it’s all about partnering with someone who is committed to putting your interests first. CERTIFIED FINANCIAL PLANNER™  professionals have attained the standard of excellence in financial planning by meeting education, experience and ethical standards, and as part of their certification, they have made a commitment to CFP Board to serve your best interests today to prepare you for a more secure tomorrow.

Find YOUR CFP® Professional

It's gotta be a cfp®.

Asking the right questions can greatly impact your future! When it comes to your finances, the most important question is, “Are you a CFP® professional?”

common questions

• How can a planner help me reach my goals?
• What services does a financial planner provide?
• How will I pay for financial planning services?
• What is the value I receive from working with a financial planner?
• Will my planner put my interests first?

Working with a CFP® professional is like working with a personal trainer. We are there to provide guidance and accountability.

cERTIFIED FINANCIAL PLANNER™ Professionals near you

What makes cfp® professionals different.

When you choose a CERTIFIED FINANCIAL PLANNER™ professional, you can be assured that you’re working with a financial advisor who has demonstrated competency and made a commitment to ethics. CFP® professionals must successfully complete a multi-year, multi-step process to obtain the skills and real-life experience they need to serve your best interests, no matter what your financial goals are. Learn more about the extensive certification process for becoming a CFP® professional.

CFP® professionals have the knowledge required to deliver holistic financial planning services, and they must fulfill continuing education requirements.

CFP® professionals must pass the CFP® exam, which tests their ability to apply financial planning knowledge to real-life situations and ensures that they are highly qualified to help you plan for your financial future.

CFP® professionals have at least 2 years of real-life experience providing financial planning services.

CFP® professionals commit to follow a code of ethics and standards set and enforced by Certified Financial Planner Board of Standards, Inc. (CFP Board). They can receive sanctions for not abiding by them, and even risk losing their certification.

How a CFP® Professional Can Help You

Whether you are seeking one-time advice or a more holistic roadmap for your financial future, a CFP® professional is your trusted guide in the process. Learn how partnering with a CFP® professional can provide you with confidence today and a more secure tomorrow.

Retirement Planning

Make sure you and your nest egg are ready for your later years.

Tax Planning

Get ahead of tax season and potentially limit your tax liability.

Fine-tune investment strategies to enable a brighter financial future.

Debt Management

Take control of your credit and debt through careful planning.

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Get informed on the types of insurance that can provide the coverage you need.

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Ease the burden on loved ones who may have to make decisions about your health or finances, and protect your beneficiaries.

your interests should come first

When you hire a CFP® professional, you are hiring a trusted advisor who has committed to CFP Board to putting your interests first. That’s because as part of their certification, a CFP® professional commits to acting as a fiduciary—which means acting in your best interests at all times when providing you with financial advice and financial planning services. A CFP® professional can receive sanctions from CFP Board, and even risk losing their certification, for violating this standard.

Don't feel like your CFP® professional is putting your interests first? Any other issues? Let us know about it.

stay informed

Financial Considerations for a Destination Wedding

Planning a wedding is an exciting experience that celebrates love and commitment while marking a significant life milestone. However, this exciting time also comes with financial considerations, from choosing between a local ceremony or a destination wedding to managing the overall budget.

Planning for the Arrival of a Child: Embracing Life’s Surprises and Financial Preparedness

The journey to parenthood is unpredictable, but embracing change and staying adaptable can make the experience more manageable and enjoyable. As you prepare for the arrival of your little one, remember that no financial plan is foolproof.

Mastering Social Security: Unlock Your Path to a Secure Retirement

Understanding if your Social Security benefit will be adequate to either supplement or solely provide a secure retirement depends on a variety of key factors. However, research from Fidelity estimates many retirees will likely need to rely heavily on their personal savings and pension income to replace about 45% of their pre-retirement income.

Terms and Conditions for the CFP Board Find a CFP® Professional Search

These terms and conditions govern your use of the Find a CFP® Professional Search feature on Certified Financial Planner Board of Standards, Inc.’s (“CFP Board”) Let’s Make a Plan website (www.LetsMakeAPlan.org).

Before using Find a CFP® Professional , you must read and agree to

these terms and conditions, and

CFP Board’s Terms of Use .

Permitted Uses

CFP Board publishes the Find a CFP® Professional as a reference source about CFP® professionals in the United States. It does not include all CFP® professionals – only those who choose to be included.

Find a CFP® Professional may be used only by

members of the public to locate CFP® professionals and obtain information about them, and

individual CFP® professionals or their staff to view their own listings or those of colleagues.

You may only use Find a CFP® Professional (as well as any of its data, listings, or other constituent elements) in the ways we describe in these Terms and Conditions. You may not

modify, download, republish, sell, license, duplicate, "scrape," or otherwise exploit the information – in whole or in part, or

use the information to offer products or services to CFP® professionals. 

CFP Board may block your use of this search tool indefinitely if it determines that you are using it for a different purpose.

Disclaimer of Warranties and Liabilities

CFP Board verifies that the individuals accessible through Find a CFP® Professional currently hold CFP® certification, however

if a CFP® professional is included in this search feature, it does not imply that CFP Board refers, endorses, or recommends the CFP® professional, and

if a CFP® professional is omitted from this search feature, it does not indicate CFP Board’s disapproval. 

CFP Board also provides information about whether or not the individuals accessible through Find a CFP® Professional

have been disciplined publicly by CFP Board, or

have made a bankruptcy disclosure to CFP Board that is scheduled to remain on CFP Board’s website according to the CFP Board Bankruptcy Disclosure Procedures that were in effect until June 30, 2020.

CFP® professionals provide all other information disclosed through Find a CFP® Professional . CFP Board does not verify and is not responsible for the accuracy, reliability, or completeness of the information that a CFP® professional has provided.

For example, CFP Board does not verify that CFP® professionals focus their practices in the specific areas they designate.

It is your responsibility to ask the CFP® professional about his or her experience. You should interview and evaluate several financial professionals to find the one who is right for you. You will want to select a competent, qualified professional with whom you feel comfortable and who suits your financial planning needs. For sample questions to ask when interviewing a financial advisor, visit www.LetsMakeAPlan.org.

Other than what we provide in these terms, CFP Board makes no representations or warranties of any nature – express or implied – with respect to the information obtained through Find a CFP® Professional , including whether the information is accurate or complete. The material included in or available through Find a CFP® Professional is for informational purposes only and is provided on an “AS IS” basis.

When you rely upon the information obtained through Find a CFP® Professional , you do so at your own risk. CFP Board does not warrant or guarantee the work of any CFP® professional. You assume full responsibility for any interactions you have with a CFP® professional you contact.

CFP Board is not liable for

any decision you make or action you take when relying on information obtained from Find a CFP® Professional , or

any damages (including incidental, consequential, and punitive damages) resulting directly or indirectly from your use of a CFP® Professional or your inability to use Find a CFP® Professional whether based on warranty, contract, tort, or any other legal theory, and whether or not CFP Board is aware or has been advised of the possibility of such damages.

CFP Board provides links to the following websites that may provide other information about CFP® professionals:

the Financial Industry Regulatory Authority’s (FINRA) BrokerCheck website (for professionals who are subject to FINRA’s oversight),

the Securities and Exchange Commission’s (SEC) Investment Adviser Public Disclosure website (for those who are subject to the SEC’s oversight),

the Office of the Comptroller of the Currency’s (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight), and

the websites for the North American Securities Administrators Association and the National Association of Insurance Commissioners, which provide contact information for state securities regulators and state insurance departments. 

CFP Board is not responsible for the accuracy, reliability, or completeness of the information on these websites. When you use or rely on these websites, CFP Board cannot be held responsible or liable (directly or indirectly) for any loss or damage resulting from the content, goods, or services available on these websites.

Best Ways to Get Free Financial Planning Advice Online

R.J. Weiss, CFP®

• Updated July 23, 2024

Often, the people who would most benefit from the help and advice of financial planners are those who can least afford to pay for those services.

A knowledgeable financial planner can help you create a plan to consolidate credit card debt, guide you through the process of setting up an HSA, show you how to save money by refinancing your student loans and much more.

If you could use some financial advice but aren’t a high-net-worth individual, we can show you how to get free (or very inexpensive) financial planning.

Table of Contents

• Financial planning is not just for the rich. Many options are available for people who need help with their finances but can’t afford to pay full price for a financial planner.
• The Financial Planning Association (FPA)  offers pro bono days where members provide free one-on-one help and group presentations on personal finance topics.
• Users of SoFi can get free financial consulting from the company’s network of financial planners. No minimum investment is required to access these services.
• XY Planning Network , Facet Wealth , and robo advisors like Betterment and Empower are all affordable options that offer financial advice.
• Non-profit debt relief programs can provide free or low-cost financial counseling to help you pay off debt and repair your credit score.
• Local options like hourly Certified Financial Planners (CFPs), Dave Ramsey’s Financial Peace University, and Certified Personal Finance Counselors (CPFCs) are available in many areas.

FPA Pro Bono Days

The Financial Planning Association (FPA) is a professional organization that helps people find ethical financial planners. As part of its efforts to educate people on the importance of financial planning and using a financial planner, members of the FPA offer pro bono days that offer access to free financial advice.

FPA members provide free one-on-one help and group presentations on personal finance topics. These events are a great way to access a free financial advisor. Advisors are not allowed to pitch products or services, give out their business cards, or take down any information for future solicitation — the events are purely an effort to provide services to people who need but can’t afford them.

Each FPA chapter schedules its own pro bono days. You can find a chapter near you here .

SoFi’s No-Cost Financial Planning

So F i offers its users free consultations with its network of Certified Financial Planners. There’s no minimum investment or balance required to schedule an appointment; anyone who downloads the SoFi app and is approved for an account can sign up for a free financial consultation.

The advisers who work for SoFi are fiduciaries who are not compensated through commissions, which means the advice they give is solely based on what’s in your best financial interest.

Importantly, the advice you’ll get isn’t limited to SoFi products. The company’s planners can help you with any number of financial questions and provide clarity on your next steps.

SoFi is the only online brokerage offering free financial planning with no minimum balance requirements.

Affordable One-on-One Financial Advice

For years, financial advisors have been targeting baby boomers. But more and more services are popping up that are aimed towards tech-savvy younger generations.

XY Planning Network

The XY Planning Network is comprised of fee-only financial advisors. Fee-only advisors are registered investment advisors with a fiduciary responsibility to their clients (meaning they are legally required to act in your best interest).

The advisors at XY Planning Network specialize in working with Generation X, Generation Y and millennial clients. Advisors can help clients set up a budget with the correct budgeting percentages, create an estate plan, develop a retirement plan, and provide investment advice.

Clients can opt to work with a local financial advisor, but all services are also offered virtually. That means clients can be matched with the advisor who best fits their needs and lifestyle, not just the geographically-closest advisor.

XY Planning Network advisors work on a fee-only basis and also offer the option of paying a monthly retainer for their services. Each advisor sets their own rates, which you can view on their profile on XY Planning Network’s site.

Facet Wealth

Facet Wealth’s CFPs® provide customized, one-on-one financial advice to their clients.

Facet Wealth charges a flat annual fee, ranging from $480 to $5,000, based on the complexity of a client’s needs. All meetings are held remotely via video chat or phone calls, and the customized financial blueprint created for each client can be tracked and managed online.

Which pricing tier your needs fit into is determined through a free consultation with a financial adviser. Those in the $480 tier will get help with things like managing cash flow, reviewing insurance needs, merging finances with a spouse, and buying a home.

At the $1,600 level, expect help with issues like how to optimize multiple investment accounts, basic estate planning, and education expenses planning.

The $5,000 level is for those with more complicated needs, such as business owners, those with real estate investments, and clients who need more complex estate plans.

Facet Wealth can be a real bargain for those seeking an investment advisor, or those who have more complex needs and a higher net-worth and want to avoid paying a financial advisor based on assets under management.

Robo-Advisors: Betterment, Wealthfront, and Empower

Robo-advisors helped bring investing to the masses. Now they’re doing the same for financial planning.

Betterment is an online investment platform that offers automated investing, banking services, and investment advice. Betterment is one of the first and largest of the robo-advisors.

• The “Premium” plan offers unlimited phone access to a CFP® for a 0.40% fee of assets under management. In other words, if you have $100,000 managed on the platform, you’ll pay $400 per year for this service. Unfortunately, this is only available to those with at least $100,000 invested with Betterment.
• The “Getting Started” package is $199 and provides one 45-minute call with a CFP® to help set up and maximize your Betterment account (and make sure you’re properly utilizing Betterment’s features).
• The “Financial Checkup,” “College Planning,” “Marriage Planning,” and “Retirement Planning” packages are each $299 and include one 60-minute phone call with a CFP® to discuss your investment goals for these stages of life. These plans are great for those who need some guidance but prefer a “set it and forget it” approach to managing their investments.

Note that only the “Premium” plan requires a minimum investment of $100,000.

A really cool option is that any of these packages can be purchased as a gift. If you need a wedding or baby shower gift, the marriage and college packages would be a great (and unique) option.

Empower lets users see all of their financial accounts in one place. It’s also a robo-advisor investing platform and provides financial advisors to those with accounts worth at least $100,000.

This service starts at 0.89% per year of assets under management.

• Empower offers both online tools and dedicated financial advisors to help manage your finances.
• Offers free financial tools, including a retirement planner, investment checkup, budgeting help, a fee analyzer, and education planning.
• Accounts up to $200,000 can access a financial advisory team that is available by phone 24/7 that offers 401(k) advice, cash flow analysis, and priority services.
• Accounts between $200,000 and $1 million have access to two dedicated financial advisors, customizable portfolios, retirement planning, college savings planning, and advice on insurance, home buying, and stock options.
• Accounts over $1 million can access Priority CFPs®, private banking services, estate planning, and private equity investments.

Read our in-depth Empower review to learn more.

Non-Profit Debt Relief Programs

Most of the options I’ve discussed so far are for people who could use advice from a financial planner but, most importantly, have their finances under control. You may have some student loan or credit card debt, but you aren’t in dire straits or considering bankruptcy.

If you are  in that situation, a non-profit debt relief program is a better option. These agencies can provide free or low-cost financial counseling that can pull you out of the tailspin while providing the kind of financial education you need to build a better financial future.  

A legitimate  debt relief program can provide intensive one-on-one advice and planning to help pay off debt, and can sometimes negotiate with your creditors to reduce your interest rates or the balance of the debts.

I emphasize the word “legitimate” because there are many predatory businesses trying to pass themselves off as legitimate debt relief programs. Debt relief companies are not legally permitted to collect a fee from you until they have successfully “ renegotiated, settled, reduced, or otherwise altered the terms of at least one debt .”

They can collect a fee once you’ve made a payment to your creditors based on their debt relief plan. Some states set a cap on these fees, but the typical fee in states without a cap is 20% to 25%.

One way to find a legitimate program is to go through Debt.com , where you can find pre-screened non-profit debt relief programs across the U.S. (many of which offer credit counseling programs that can help you both pay down your debt and repair your credit score).

Local Options for Affordable Financial Planning

If you prefer to support a local business and would like an in-person meeting with a dedicated financial planner, these are some options that won’t break the bank.

Hourly Certified Financial Planner

Some CFPs® charge by the hour rather than a flat fee. It may not be affordable for those who need to lay out their entire financial picture and get help building a customized plan, but if you need some advice on a particular situation — like buying a home, merging finances or planning for college expenses — hourly CFPs® can be a good way to get personal financial planning help.

Certified Personal Finance Counselor

A Certified Personal Finance Counselor is not exactly the same thing as a CFP®, but they can provide a lot of the same advice at a lower rate. A CPF Counselor can help clients develop custom plans for their finances, including retirement and estate planning, investments, debt management, and budgeting.

If you could benefit from consistent, personalized financial advice but can’t afford a CFP®, a CPF Counselor is a great alternative.

Dave Ramsey Financial Peace University

Most of you are probably familiar with Dave Ramsey’s baby steps , his seven-step plan for taking control of your finances. But you may not know that he also created a nine-course series designed to teach you how to pay off debt, create a budget, and save money. The course is called Financial Peace University .

You can take the course in person in a group setting, or online. The classes are held once a week for nine weeks, and each session lasts about 90 minutes. Both the in-person and online courses cost the same: $129.99.

It’s a time commitment to attend the courses in person, but it does offer the benefit of accountability and support. Money is a taboo subject, and many people struggle alone, ashamed to reach out to family or friends for support. When you attend the course in person, everyone in that room is facing struggles similar to your own. It’s helpful to know that you’re not alone.

I don’t always agree with Dave Ramsey’s approach to personal finance — mostly when it comes to investing — but this course is a good value and offers sound advice if you’re struggling with getting out of debt, or have stress when it comes to handling money inside of a relationship.

Financial Planning: Not Just for the Rich

Not so long ago, people thought investing was something only rich people did. Thanks to companies like Vanguard and Betterment, that’s no longer true. Today, investing is accessible to anyone — even if you only have a few dollars to set aside every month.

The same is becoming true for financial planning, as the internet has opened it up to a much wider audience. Take advantage of the opportunity to improve your money management skills, establish a sound financial footing, and develop a plan to build wealth .

If you’re looking for ways to get cheap or free financial planning, you have more options than ever before.

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• Credit Card Comparison Calculator
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• Debt Snowball Calculator
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• How long until I pay off my credit card using various strategies (includes printable amortization table)?
• Which repayment strategy will cost the least and get me out of debt the fastest?
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• How much will I save by consolidating my debts into one loan versus paying them individually?
• How fast can I get out debt and how much will I save by adding a fixed amount to each monthly payment?
• How fast can I get out debt and how much will I save by adding a one-time additional payment against principal?
• How long will it take to get out of debt using my current payment plan?

Auto Loan Calculators

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• Should I lease or buy my next car?
• How much will a lease really cost me?
• What is the true cost of owning and driving my car, and how does one car's costs compare to another?
• Which dealer incentive is the best value – rebate or special financing?
• Should I buy my next car using a conventional auto loan or home equity line of credit?

Savings Calculators

• Savings Goal Calculator
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• Compound Interest Calculator – Monthly
• Compound Interest Calculator – Daily to Yearly
• Future Value Calculator
• Inflation Calculator
• Interest Calculator – Simple Monthly Payment Vs. Compound Growth
• Latte Factor Calculator
• Spending Calculator – True Cost To Own
• Money Saving Calculator
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• How much should I save each month to reach my savings goal by a given date?
• How long until I reach my savings goal given the amount I'm currently saving each month?
• What will my monthly savings deposits grow to when compounded monthly?
• What will my savings grow to when varying the deposit intervals and the compound intervals from daily to yearly?
• What will be the future value of my savings after adjusting for taxes and inflation?
• How has inflation effected the purchasing power of my savings from one year compared to any other year in history?
• How much will my savings earn if I spend the interest every month vs. compound it for growth?
• How much do small, regular expenses (like a daily latte) really cost me in terms of savings?
• How much does that one-time expense truly cost me in terms of savings over many years?
• How much money can I save by switching from high-cost name brand to low-cost generic?
• How long until my savings grows to a million dollars and what will it be worth after adjusting for inflation?
• What is the present value of a series of equal cash flows to be received in the future?

Investment Calculators

• Investment Property Calculator
• Capital Gains Tax Calculator & Real Estate 1031 Exchange
• Annuity Calculator
• Interest Calculator
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• Present Value Calculator
• Is this investment property selling for a reasonable price and will it cash flow?
• What will be the tax impact of selling my investment property?
• What is the present value of a series of equal payments received in the future?
• How does simple interest compare to compound interest?
• What will my investment balance grow to at any point in the future?
• What is a lump-sum payment in the future worth today?
• What will my investment be worth net of taxes and inflation in the future?
• What is the value of tax-deferred investment growth?

Loan Payment Calculators

• Interest Rate Calculator
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• Loan Repayment Calculator
• Accelerated Loan Payoff Calculator
• Loan Interest Calculator
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• Loan Payment Calculator
• Personal Loan Calculator
• How do I find any missing loan term – including interest rate, payment, amount owed, or remaining payments?
• How can I get a full amortization schedule for my loan?
• How much will my monthly payment and total interest cost change for different repayment periods?
• How fast can I payoff all my loans using the rollover (debt snowball) method?
• How much of my monthly payment is interest and what will my total interest cost be for the life of this loan?
• What is the monthly payment amount for an interest only loan?
• How do payments and costs compare between a principal and interest loan vs. an interest only loan?
• What are the monthly payments and interest costs for a personal loan?

Personal Finance Calculators

• Net Worth Calculator
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• Wage Calculator – Convert Salary To Hourly Pay
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• How much of my income is going to each expense category?
• How much should I budget each month for all my quarterly, annual, and irregular payments?
• How will my savings compound and grow over time?
• How do I project all my irregular income and uneven expenses into a reliable cash flow projection?
• What is the value today of a lump sum payment in the future?
• Do periodic, unnecessary expenses really matter?
• How much life insurance do I need?
• What does my salary equal in hourly pay – both real and nominal?

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How to Choose the Best Personal Finance Software and Apps

Choose personal finance tools based on your goals and needs. Consider factors like cost and the ability to sync your accounts.

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Personal finance software and other tools can help you take control of your financial life, but they don’t all serve the same purpose.

Some focus on one financial function — budgeting, expense tracking, saving, banking, investing or taxes — while others handle multiple financial needs.

Here’s how to choose the best personal finance software or app to reach your financial health goals, along with some of our favorite tools.

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Types of personal finance software and apps

There’s a wide assortment of options. We’ll focus on the personal finance software that covers most needs.

Budgeting: Budget software and apps help you track and categorize your spending. In most cases, you sync your financial accounts — checking, savings, credit cards, loans and investments — and the tools automatically categorize your spending. You can typically add spending limits by category to set up your budget. Read more about the best budget apps , which have some of the same features.

Savings: Want to build up your emergency fund or save for a new car? Software and apps make it simple to reserve money each month. Some services automatically transfer money into your savings account or a special account to help you save without thinking about it. Explore NerdWallet's picks for the best money-saving apps .

Investment: Investing puts your money to work toward long-term goals such as retirement, but it can be overwhelming for beginners and pros alike. Investment software and apps help you build a portfolio and make trades with confidence. Check out the 11 best investment apps .

Taxes: Tax software makes it easy to prepare and file your taxes. Most services simplify complicated tax code by asking you straightforward questions and guiding you through deductions. Review NerdWallet’s best tax software picks .

What to look for in a personal finance tool

When choosing a personal finance tool, consider your goals, what you need your software to do and how sophisticated you’d like it to be.

If you want an app that tracks your expenses and income, for example, look for a budgeting program that syncs with your bank and credit card accounts.

A few other factors to consider as you shop around:

Cost: Personal finance tools often have a free version and a premium version that includes extra features for a monthly, annual or one-time fee. Consider upgrading if your financial situation is complex — you’re a small-business owner, for example — or if you want the peace of mind the added features bring.

Account restrictions: Certain types of software limit the number of accounts you can add or restrict you to just one type. So if you have checking, credit card and investment accounts to monitor, look for a service that can handle them all.

Spending reports: Are you a visual learner? Opt for a tool that breaks down your spending (by category or amount) using charts and graphs. Bonus points if you can customize the reports to fit your financial goals.

Human support: Sometimes you need more than a standard user guide or FAQ page. Look for apps and software that provide additional support — say, one that lets you speak to a human or offers a robo-advisor.

Free credit score: Some tools help you stay on top of your credit score with weekly and monthly score updates and have simulators that show how certain financial decisions could impact your credit.

Other tech tools to help you manage your money

If you’d prefer to track your money yourself rather than use software or an app, consider these budget spreadsheets and templates. With those, you input recurring and one-off expenses, either in Excel, a PDF or online documents.

We’re partial to the NerdWallet budget worksheet . You enter your monthly income and a wide range of expenses, from life insurance premiums to travel expenses to credit-card payments. Then it shows how your spending compares with the 50/30/20 budgeting method, which suggests that 50% of your income goes toward needs, 30% toward wants and 20% toward savings and debt repayment. You can also download this worksheet in an Excel document.

If software and worksheets seem like too much right now, try this simple budget calculator , which uses the same 50/30/20 budgeting method to give you an idea of how to spend and save your money. You can also go wireless and pick up a budgeting book .

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Choosing a CERTIFIED FINANCIAL PLANNER™ Professional

Choosing a CERTIFIED FINANCIAL PLANNER™ professional is as important as choosing a doctor or lawyer; it's a very personal relationship. Many CFP ® professionals specialize in working with certain types of clients, such as small-business owners, executives or retirees. Some specialize in certain areas of planning such as retirement, divorce or asset management. We recommend you interview at least three CFP ® professionals to find the right one that best serves your needs.

Evaluate your full financial picture or work with a CERTIFIED FINANCIAL PLANNER™ professional to help you navigate your own numbers to determine what makes sense to you.

The best approach is to work with a CERTIFIED FINANCIAL PLANNER™ professional who will provide a customized plan to help you understand the risks and provide a roadmap for a successful retirement.

The best approach to determine how fast you can and should eliminate debt is to work with a CERTIFIED FINANCIAL PLANNER™ professional. These individuals are highly trained and specialize in improving the financial well-being of single professionals, couples and families.

If you’re looking for broad-based advice about various aspects of your financial life, hire a CERTIFIED FINANCIAL PLANNER™ professional. These professionals must pass an extensive exam and meet other education and ethics requirements to gain the credential.

The Financial Planning Association (FPA), a professional membership organization for the financial planning community, is a good place to find a CERTIFIED FINANCIAL PLANNER™ professional. FPA member planners can help people assess their financial health, set realistic financial and personal goals, and develop comprehensive plans to meet those goals.

FPA offers resources designed to help individuals understand the importance of financial planning and the value of objective advice from a financial planner. Below are a selection of these helpful resources. Visit our Planning for Life Events page for more helpful resources.

Earned Income - Work Required

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Retirement Goals Start at the Beginning

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Checklist for Parents Retirement Planning

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Liability-driven Individual Retirement Planning

A straightforward beginning to thinking about retirement planning is to recognize and accept the inescapable truth that an individual cannot...

Choice Overload and Analysis Paralysis

Do you like having a lot of options to choose from on a restaurant menu? Or, do too many choices make it harder to make your decision? If you...

Our Desire to Get Rich - Quick

Perhaps it is the time of the year with gift giving and wishes for a happy and prosperous new year, but I sense it is the all-American desire...

Perfect Last Minute Gift Ideas

Are you still searching for that “perfect present” for someone on your holiday shopping list? If the thought of wrapping up another gift card...

The Hunt for a Better Bank Account

The recent rise in banks looking to make up for lost revenue caused by tightening credit regulations and a seemingly never ending low rate...

10 Essential Documents for Retirement

When planning for retirement, most people focus on saving, and rightly so. Having enough money to fund your retirement dreams is a key element...

Planning For Uncertainty

For many of my clients – as well as for me – uncertainty is one of the most frustrating pieces of the current economic and financial...

What is The Financial Planning Association?

The Financial Planning Association ® (FPA ® ) is the largest membership organization for CFP ® professionals in the U.S. and also includes members who support the financial planning process.

Apple announces Chief Financial Officer transition

Text of this article

August 26, 2024

PRESS RELEASE

CUPERTINO, CALIFORNIA Apple today announced that Chief Financial Officer Luca Maestri will transition from his role on January 1, 2025. Maestri will continue to lead the Corporate Services teams, including information systems and technology, information security, and real estate and development, reporting to Apple CEO Tim Cook. As part of a planned succession, Kevan Parekh, Apple’s Vice President of Financial Planning and Analysis, will become Chief Financial Officer and join the executive team.

“Luca has been an extraordinary partner in managing Apple for the long term. He has been instrumental in improving and driving the company’s financial performance, engaging with shareholders, and instilling financial discipline across every part of Apple. We’re fortunate that we will continue to benefit from the leadership and insight that have been the hallmark of his tenure at the company,” said Tim Cook, Apple’s CEO.

“For more than a decade, Kevan has been an indispensable member of Apple’s finance leadership team, and he understands the company inside and out. His sharp intellect, wise judgment, and financial brilliance make him the perfect choice to be Apple’s next CFO.”

During his time as CFO, Maestri enabled essential investments and practiced robust financial discipline, which together helped the company more than double its revenue, with services revenue growing more than five times.

“It is the greatest privilege of my professional life to serve the world’s most innovative and admired company, and to work side by side with a leader as inspirational as Tim Cook,” said Maestri. “I’m looking forward to the next stage of my time at Apple, and I have enormous confidence in Kevan as he prepares to take the reins as CFO. He is truly exceptional, has a deep love for Apple and its mission, and he embodies the leadership, judgment, and values that are so important to this role.”

Parekh has been at Apple for 11 years and currently leads Financial Planning and Analysis, G&A and Benefits Finance, Investor Relations, and Market Research. Prior to this role, Parekh led Worldwide Sales, Retail, and Marketing Finance. He began his tenure leading the financial support of Apple’s Product Marketing, Internet Sales and Services, and Engineering teams.

Before joining Apple, Parekh held various senior leadership roles at Thomson Reuters and General Motors, where he also had extensive global experience. Parekh is an electrical engineer with a Bachelor’s of Science from the University of Michigan and an MBA from the University of Chicago.

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40 Best Financial Advisor Websites

Finding the right Financial Advisor Websites can be tough. There are many things to consider when designing Financial Advisor Websites, and it can be difficult to know what you need for your website design. That is why we have created this list of 40 Financial Advisor Websites that you will love!

1. Stash Wealth

Why it works: The black and red color scheme is used consistently across the website. The audience is targeted through the use of graphics, content text, and language. The utilization of social proof via reviews and testimonials sites aids in establishing confidence.

stashwealth.com

2. Timothy Financial Council

Why it works: The homepage is simple and straightforward. The hero features a single image animation that changes into an interactive graphic element. The colors used suggest a professional and formal business.

timothyfinancial.com

3. Wealthspire Advisors

Why it works: Blue and yellow are used effectively and consistently. Angled lines, boxes, and design components are used throughout the website’s various sections, based on the company logo’s angular lines.

wealthspire.com

4. Braun-Bostich & Associates

Why it works: This financial advisor website directs visitors to the right page by providing numerous portals on the home page.

braun-bostich.com

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5. avantax wealth management.

Why it works: The website has a clean and professional appearance. There’s a lot of white space, huge pictures, and big headline typefaces. Colors are used sparingly—only to highlight clickable elements while the lack of an image in the hero section is unique.

avantaxwealthmanagement.com

6. Safran Wealth Advisors

Why it works: The typefaces on this site are very fashionable. They’re often seen on fashion-related websites, therefore making this site distinct from other financial advisor websites.

safranwealthadvisors.com

7. Concord Wealth Partners

Why it works: The site’s layout is optimized for higher conversions and usability. Beautiful spacing between the content and design components. The photos used have clickable links that open to new pages. Overall, the design is modern and fresh-looking.

concordwealthpartners.com

8. Vanguard Group

Why it works: The video testimonial section is well-made. Despite the fact that numerous high-resolution photos are utilized, the site still loads quickly. Informative website with plenty of content that are well organized. The site is simple to use thanks to the dropdowns and comprehensive sitemap on the footer.

investor.vanguard.com

9. UBS Financial

Why it works: The completely light website emanates a clean straightforward website. The logo and call to action buttons are the only elements highlighted in color. Language-specific localized versions of the site are also available.

Best Financial Advisor Sites

10. grey ledge advisors.

Why it works: The professional atmosphere is enhanced by the use of serif heading typefaces and sans serif content types in this website. This is further strengthened by applying significant negative spaces. The parallax scrolling also aids in the site’s attractiveness.

gsbwealth.com

11. Ariston Services Group, LLC

Why it works: The home page is visually appealing with its use of a high-resolution video in the hero section. Professional yet pleasant-looking typefaces were used on this website.

aristonservicesgroup.com

12. Carson Wealth

Why it works: The home page has a very clean and organized look, which makes it easy to navigate. The use of light colors makes the text easily readable, even against a light background. Even in the photos used, the color scheme is apparent.

carsonwealth.com

13. Guide Financial Planning

Why it works: The company’s homepage is intended not only on showcasing its services, but also on establishing trust. The “as seen on” video section and logos of affiliates and memberships contribute to the company’s credibility.

guidefp.com

14. Pension & Wealth Management Advisors

Why it works: The site is clean and well organized in terms of content alignment. The use of only the color blue and its shades adds to consistency and cohesiveness. The sharp fonts add appeal to the site.

pensionwealth.com

Financial Advisor Sites

15. zuk financial group.

Why it works: From the moment website visitors land on this financial advisory website’s homepage, they feel relaxed and at ease. The clean, sharp fonts and the line spacing employed also aid in readability.

zukfinancial.com

16. R&J Financial Partners

Why it works: Beautiful hero video. Simple and straightforward homepage. Contact information present on the footer.

rjfinancialpartners.com

17. Goldman Sachs

Why it works: White space is used effectively, with no clutter to distract you from the information on the page. A call to action button in each section, as well as a contact form near the bottom of the page, ensures that website visitors are encouraged to get in touch.

goldmanpfm.com

18. Nelson Financial Services

Why it works: The website contains beautiful pictures and simple, direct statements. There are no frills on this website with a focus on the financial advisors and their services.

dnelsonfs.com

19. RLS Wealth

Why it works: Although this wealth management website has a simple layout, it uses contemporary techniques, such as stunning images and bright colors. This website uses a unique color scheme that sets it apart from other sites in the industry.

rlswealth.com

Best Financial Advisor Websites

20. sverica capital.

Why it works: Negative or white space is nicely utilized in this financial advisor website. The distinctive iconography resembles the logo design. The homepage areas are well defined and structured.

sverica.com

21. Bull Moose Retirement Planning Co.

Why it works: Overall, the design is minimalistic in terms of font usage, picture selection, and iconography. Email capture near the footer effective for acquiring email list of prospective clients.

bullmooseretirement.com

22. Sabine Financial

Why it works: This website’s design is professional and clean, with clever use of white space to highlight important information. They also have a dedicated Spanish-language page, which is great for catering to new sets of potential clients.

sabinefinancial.com

23. Clark Asset Management

Why it works: The aptly selected hero image has a clear sky at the top which provides a fantastic backdrop for the company logo and navigation elements. The ‘Retiring Soon?’ or ‘Already Retired?’ calls to action are suited to older consumers which are their target clients. They even offer free videos explaining why signing up for their financial services is a smart decision for new clients.

bradleyclark.com

24. Illumint

Why it works: The looping full screen video and changing heading text adds drama to the site’s distinctive narrative. Despite the narrow content section, the content is organized into several blocks which immediately tells a story.

illumintfc.com

Financial Advisor Websites

25. good financial cents.

Why it works: This clean website has an excellent color contrast with big legible and pleasant typefaces. The picture of the firm’s founder of gives it more credibility.

goodfinancialcents.com

26. Krause Capital

Why it works: The hero section contains attention-grabbing value proposition heading text and large image background. The logo and call to action button are both clear and apparent.

krausecapital.com

27. Humanitas Financial

Why it works: This financial advisors website implemented a simple, sticky navigation bar so key details are always in view as site visitors scroll through the website. Because of the colors and smiling people, the site exudes a pleasant atmosphere.

humanitasfinancial.com

28. Financial Synergies Wealth Advisors

Why it works: The use of dark and light sections to create a visual contrast separates information into bite-sized pieces that are ideal for lengthy scrolling websites. When scrolling, subtle animation effects provide aesthetic impact and appeal.

29. C.L. Sheldon & Company

Why it works: Patriotic images and colors are used to cater to their target market, the military veterans. Clean and clear text sections and updated blog content are also a plus.

clsheldon.com

Financial Advisor Websites for Inspiration

30. global financial services.

Why it works: The high-resolution hero image of Houston, Texas’s business capital is a great photo to use on this website and in order to make the hero text readable, a semi-transparent block is used. The typefaces appear professional and appropriate for this site.

globalhou.com

31. HCR Wealth Advisors

Why it works: The fantastic on-hover arrow section starts out with an attention-grabbing animation, after which clicking on the big on-hover arrow component changes the page content, which then redirects to separate webpages when clicked. The inner pages are beautifully organized and the elements are spaced well.

hcrwealth.com

32. Bingham, Osborn & Scarborough, LLC

Why it works: Despite being asymmetrical, the image blocks in the hero section appear to be well-organized because they are all confined within rectangular compartments. The team section, on the other hand, employs the same principle but with photos that are clickable and include a mouseover function.

bosinvest.com

33. Riviera Capital

Why it works: A well-designed website that is both professional and clean. Use of dark filters over images to make text more legible, yet the text content is still readable despite the condensed fonts used.

rivieracp.com

34. Newground Social Investment

Why it works: Hero section with a beautiful full-screen image backdrop. Apart from an introduction text, they also have a welcome video, which adds a personal touch. The company’s credibility is further strengthened by the inclusion of a partners and affiliates section.

newground.net

35. American Advisors

Why it works: The colors red, white, and blue together with the imagery used are all related to the company’s name. The use of on page clickable sidebars reduces the need to open new pages to display additional content.

americanadvisors-llc.com

36. Bragg Financial

Why it works: This financial advisor website has simple animation effects, subtle background graphics and textures. Professional yet pleasant-looking typefaces were used. Beautiful pictures of the company’s location and vicinity were also highlighted.

braggfinancial.com

37. LPL Financial

Why it works: LPL Financial’s website shows effective use of alternating dark and light sections. Their content is regularly updated as seen in their news section. Inner pages are unique compared to most financial websites.

38. The Colony Group

Why it works: This site’s homepage features a fantastic huge hero video backdrop, as well as big hero heading text. Images and graphic elements intertwine well together. Even after a scroll, the sticky navigation ensures that the navigation is apparent.

thecolonygroup.com

39. Half Dome Capital

Why it works: The home page is visually appealing. The hue of orange used in the call to action buttons and heading text stands out against both dark and light backgrounds, which makes it quite effective.

californiajudgments.com

Financial Advisor Website Design

Why it works: The video in the hero section adds visual representation to the main headline. The overlapping of elements between sections and the use of subtle shadows adds depth and layering to the overall design.

merrill.com

We want to thank you for reading our blog. If you’re in the market for a financial advisor websites , please contact us! Our team of designers are ready and waiting to help bring your vision into reality with beautiful designs that will increase customer conversion rates.

We will design a custom mockup of your new website before you sign or pay for anything. There is nothing to sign and no payment information will be taken. If you like our design for your business we can move forward working together. If not, there are no hard feelings and no other obligations.

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Banking has come a long way in recent years, thanks in large part to innovative partnerships between traditional banks and tech-savvy companies. These collaborations are changing the game for everyday people trying to manage their money and plan for the future.

GOBankingRates spoke with financial experts to find out exactly how people can take advantage of these new — or new to you! — opportunities. 

Here are 5 ways a bank partnership can improve your financial health .

Accessing Sophisticated Financial Tools

Bank partnerships have democratized access to advanced financial planning resources. Thomas Brock, a financial expert at RetireGuide , said, “The most competitive banks offer educational resources, personalized financial advice and retirement planning tools, all of which help people optimize money management decisions, investment strategies and long-term wealth accumulation potential.”

This means everyday consumers can now tap into the kind of expertise and tools once reserved for high-net-worth clients.

Simplifying Money Management

You no longer have to visit a bank branch to do most of your basic banking. 

Andrew Latham, a certified financial planner with SuperMoney , pointed out that partnerships like “Chase and Zelle [have] made sending money to friends as easy as texting.”

These inventive integrations streamline day-to-day financial tasks, making banking easier for everyone and leaving more time for the things that matter.

Expanding Financial Product Options

When bank partnerships enter the picture, so do a much wider array of financial products tailored to customers and their needs.

Brock explained, “The best banks offer a wide variety of savings vehicles, installment-style loans and revolving lines of credit.”

Because of the availability of all these new products, people are able to more easily grow their savings, finance purchases and build credit. 

Securing More Attractive Rates

Building a relationship with a bank that has strong partnerships can pay off in tangible ways. According to Brock, “Generally, the deeper the bank/client relationship, the more attractive the interest rates achievable via these products.”

He added, “The relationship depth is positively related to the length of time spent banking with an institution and the amount of money deposited and/or borrowed.” 

In simple terms: Loyal customers get better rates on both savings and loans, which can help improve their finance situation in time.

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Embracing Innovative Banking Solutions

Bank partnerships are driving the creation of all-in-one financial platforms that simplify money management . Latham pointed out one such partnership: “Square’s Cash App, which works with Sutton Bank to offer direct deposits and a debit card, [makes] it super simple to manage your money.”

Other new all-in-one banking apps bring together checking, savings and investing in one place. This makes it much easier for people to see and manage all their money at once.

The impact of these partnerships is about more than just convenience. “These partnerships often mean lower fees, better rates and smarter tools that help you stay on top of your finances with less hassle,” Latham said. 

So if you’re looking for a new bank, it’s worth finding out what their partnerships are. If there are products you can use to improve your financial health, it can make a world of difference.

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Back-to-school is a reminder for financial advisors to review clients' educational savings goals

The end of summer ushers in the beginning of the school year — and an opportunity for financial advisors to review clients' educational savings goals.

custodial accounts to plan for major educational costs.

Birds Eye Wealth Planning in Neptune, New Jersey.

Two must-have client conversations for college planning: 529s, FAFSA

Marina Wealth Advisors in Los Angeles, said if a 529 account is the best next step, advisors should consider taxes and fees and be aware that clients are not required to use the 529 plans offered by their home state.

"Some states, such as Utah, have very highly rated plans and are reasonably priced," he said. "For many, a plan like this might be an obvious choice. For others that live in a state with a tax benefit tied to their program, that state's plan might be the obvious choice for its residents."

ATK Financial Prosperity in Chicago.

"It gives you the option to help pay for college, without the restrictions that the money needs to be used for qualified education expenses. The added flexibility of a brokerage account gives you options depending if you are behind or ahead on your financial goals."

Contributions instead of physical gifts

American Private Wealth in Bedford, Massachusetts, said a 529 plan listing a child as the beneficiary may count "against" them, possibly impacting their ability to qualify for aid.

"Perhaps set up the plan with the adult as the owner, and the beneficiary first. It is very easy to change beneficiaries on an existing plan," he said. "Remember, anyone can contribute to a 529 plan. Encourage relatives and friends to make contributions to the plan in lieu of Christmas and birthday gifts."

'Superfunding' 529 plans carries tax questions — what advisors should know

Marshall Financial in Doylestown, Pennsylvania, agreed that the gift of tuition can be far more precious than presents like toys that are quickly outgrown or discarded.

"The kids may not appreciate it at the time of the contribution, but if they come out of college debt-free, they will likely feel very grateful," she said. "When my husband and I sent our kids off to college, we agreed to cover the first four years, and after that, it was on them. They completed their degrees in four years and are free from college debt."

Scaled Finance in Bellevue, Washington, said he and his wife match gifts to their daughter's 529 plan.

"Several family members have contributed, supercharging her account balance," he said.

Ametrine Wealth in Lake Orion, Michigan, said given the current cost of college and the trend of tuition inflation, starting to save for college sooner rather than later is key. Funding a plan early gives the account maximum time to accumulate and grow. Ideally, clients should open and begin funding an educational savings account in the child's first year of life, she said.

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"Encouraging friends and family members to contribute to the 529 account in lieu of or in addition to birthday and holiday gifts for the kids can help the account grow faster," she said. "It's not unusual for grandparents to want to open their own 529 plan accounts for grandchildren to help save for college, which is great. Coordinating with the grandparents' funding plan is important so that we can adjust the parents' funding plan accordingly, especially if the grandparents are planning to contribute substantial amounts of money."

When it comes to educational savings plans, start as early as possible

Helium Advisors in Scottsdale, Arizona, said parents can technically start at 529 in their name before they have a baby, and then transfer it to the baby after they are born.

"Starting as soon as possible is key," he said. "The longer the money is invested and can compound, the greater the child will have for school. ... The longer the runway the better."

Avantax Wealth Management in Los Angeles, said there is no time to start saving like the present.

"We have had some to-be parents start 529 accounts owned by a parent, with the parent as beneficiary until bundle-of-joy becomes a Social Security card-carrying member of society, and then they update the child as the beneficiary," said Carey.

Upbeat Wealth in New Orleans, said "Everyone's situation and desires are unique, so the 'right' starting point is likely different for most families."

Take advantage of the 'magic' of compound interest

Fiduciary Financial Advisors in Waxhaw, North Carolina.

"Compounding interest is truly magical, especially over periods greater than 10 years," he said. "If you're in a situation where you can afford it, an early lump sum is the optimal method, but if not, try to front-load as much as you can and contribute the rest consistently, even up to the college years if needed."

Ascend Financial in Essex, Massachusetts, said front-loading contributions as early as possible gives assets time to grow and weather market volatility. If parents are working on building their resources for saving and splitting savings among multiple children, she would suggest weighting the savings amounts proportionally to the children's ages.

"Saving more for the oldest allows for any excess to be passed down to the younger beneficiaries, and the youngest has a longer time for the smaller contributions to grow," she said. "Back to school is a great time to reassess your savings goals and remind you to ratchet up your annual contributions each year."

Harper Financial Strategies in Lawrence, Kansas, said how much to save, allocations and periods are all dependent on expected future expenses.

"Typically, if a family is set on their child going to college, then the sooner the savings can start into the 529 account the better long-term growth opportunity," he said. "With the new option to move money from a 529 to a Roth account in the same child's name, there are few reasons to not go ahead and start saving toward education."

How much to save?

Power Plans in Walpole, Massachusetts, said he generally recommends clients save enough to fund a "full ride" for their children at their flagship state university.

"If the kids qualify for a better option, there might be scholarship money available and some other resources," he said. "At least it will keep the college debt load within boundaries and frame college choices. If the parents are in a position to pay off approximately half, the kids can navigate the rest, at least as starters."

Adams said his firm attempts to help clients determine their overall goals first.

"Are they, for example, hoping to pay 100% of tuition for a private college? Or perhaps 50% tuition for an in-state school?" she said. "I like to get my clients thinking about what the end goal is so that we can create a path to get there, rather than just aimlessly saving random amounts of money."

Once that's established, they can then determine the future cost and devise a plan to find the account accordingly.

"The plan should be revisited every few years to make sure we remain on track, and also to check in with the client to see if the goal is still the same or if we need to amend the goal and change the funding plan," he said.

There is no right answer for every family, but clients must approach the funding strategy as a team, said Van Alstyne.

"Once you establish the philosophical goal, research some potential schools you feel may best serve the child's needs," he said. "What is the current tuition at these schools, how frequently has tuition increased and by what amount? Using these tuition numbers, we can back our way into a reasonable expectation of what we'll need to save in today's dollars to achieve your family's college funding goals."

Cassick said clients shouldn't forget about using their extra working income to help with education costs while the child is in college.

"Oftentimes, we come across parents worried that they need to have every dollar saved for their child's college tuition before college starts," he said. "It is important to remember that while your child is in college, these may be your highest earning years of employment, making your future income a powerful tool in covering the cost."

Help clients prioritize between debt, retirement and education expenditures

Quiet Wealth in Baltimore, said in situations where clients must choose between paying down debt, saving for retirement and saving for children's education expenses, many advisors believe that saving for college costs is the lowest priority.

"This is quite often a hard idea for parents to accept, as they understandably want to do everything to support their children," said Young. "But from a planning standpoint, it's usually better for the parents to put themselves in a strong financial position with high retirement savings and low debt, which may enable the parents to support paying off the children's student loans following graduation."

Ahmed said if the client's retirement savings are inadequate, those need to be addressed first. And if they have their own student loans, it would be "reckless to not pay those off first."

"They are, after all, costing you money," he said.

Helping children pay for college can be a wonderful gesture, but if it comes at the expense of parents' other financial goals, it can backfire, said Kaynoff.

"It may put pressure on your kids later in life to support you financially during retirement," he said.

Walsh said he did not believe a parent should prioritize saving for their child's schooling if they are still paying off their own loans.

"By getting themselves out of debt first, they will free up more cash flow to be able to assist the child," he said.

Damsky agreed that parents should pay off their own student loans before worrying about saving for their kids' college costs.

"What if you continue to rack up student loan debt because you choose to save in a 529 for your kid, but your kid doesn't end up going to college?" he said. "Take care of yourself first, because a 529 account for your kid can be a useless luxury."

Power said parents don't always have to feel responsible for their children's educational costs, especially if it would worsen their own financial situation. 

"I strongly oppose parents going into debt to pay for the kid's dream school," he said. "Kids seldom know what they want or need. Parents need to be level-headed players. The glam of the campus looks different when the kid is going to pay for it."

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Agencies Extend Resolution Plan Submission Deadline For Some Large Financial Institutions

Federal Reserve Board

Federal Deposit Insurance Corporation

For release at 12:00 p.m. EST

The Federal Reserve Board and the Federal Deposit Insurance Corporation on Wednesday announced that they are extending the resolution plan submission deadline for certain large financial institutions.  These companies will be required to submit their resolution plans by March 31, 2025, instead of July 1, 2024.

By law, certain large financial institutions must periodically submit resolution plans to the agencies.  These resolution plans, also known as “living wills,” must describe a company’s strategy for orderly resolution in the event of material financial distress or failure of the company.

In August of last year, the agencies invited public comment on proposed guidance for how the resolution plans of certain large financial institutions could address key challenges in resolution.  The agencies indicated that they were considering providing an extension of the next resolution plan submission date to provide reasonable time for the proposed guidance, once finalized, to be reflected in the plan submissions.  The public comment period closed November 30, 2023, and the agencies continue to develop the final guidance.

Last Updated: January 17, 2024