Personal Finance
Best 12-Month CD Rates 2025: Data-Driven Picks, Tactics, and Tools As a finance and investment advisor who builds tech-enabled workflows, I’m often asked how to reliably optimize idle cash. In 2025, 12-month CDs remain a strategic, low-volatility tool for households, students, retirees, and business owners seeking predictability and competitive yield. This guide explains how I … Read more
What is the Ink Business Cash Credit Card? The Ink Business Cash credit card is a special type of credit card designed for business owners. Think of it like your regular credit card, but with superpowers for business expenses. This card gives you money back (called “cash back”) when you spend money on certain business … Read more
Unlocking Financial Excellence: Citi Strata Elite Card Benefits for Investment Professionals As a finance and investment advisor who lives at the intersection of money management, technology, and client outcomes, I evaluate premium rewards cards like I evaluate investments—through a rigorous, data-driven lens. In this Citi Strata Elite card review, I break down the Citi Strata … Read more
The Best 529 Plan Alternatives for Smarter College Savings College costs keep rising, and while 529 plans are popular, they’re not your only option. Whether you’re a parent starting early, a student planning ahead, or someone wondering “why 529 plans are a bad idea” for your situation, this guide covers the best 529 plan alternatives … Read more
🎓 How to Use 529 Plans for Non-College Education? 529 plans are famous for helping families save money for college. But here’s the big surprise: you don’t have to go to college to benefit from a 529 plan. Thanks to new laws, these education savings accounts can now help pay for many non-college learning paths … Read more
Last Minute Student Loans: Navigating Emergency Financing for College As finance professionals, we know that funding delays can derail otherwise solid plans. When clients need last minute student loans, speed matters—but so does structure, risk control, and total cost. This guide translates funding urgency into a disciplined, tech-enabled action plan that advisors can deploy immediately. … Read more
FAFSA Simplification Act: What Finance Professionals Must Know to Maximize Financial Aid and Optimize Family Wealth Plans The FAFSA Simplification Act reshapes the way families qualify for aid—and how advisors should plan. Here’s a practical, data-driven playbook to align financial aid eligibility with tax, cash flow, and investment strategies. Why this matters for finance professionals? … Read more
What Happens To Student Loans When You Die? In the interconnected world of finance, understanding the impact of liabilities like student loan debt after death is crucial for financial advisors. By mastering this intricate topic, you can better guide clients through financial planning and wealth management scenarios. Student loans are often seen as a necessary … Read more
Understanding Federal Work Study Restrictions: Implications for Financial Advisors Introduction If you advise clients on education planning, cash-flow strategy, or human capital ROI, Federal Work-Study (FWS) is more than a student employment program—it’s a lever for lowering out-of-pocket costs without overleveraging the balance sheet. In this guide, I unpack Federal Work Study restrictions, eligibility, and … Read more
💡 Artificially Feeling Poor – A Wealth Mindset for Financial Growth How a simple mindset shift can transform your financial future? Have you ever wondered why some people with average incomes become millionaires while others with high salaries struggle financially? The secret often lies in their money mindset. What if one of the most powerful … Read more
