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Should I Get a Financial Advisor?

Should I Get a Financial Advisor?
© (Getty Images)
Financial advisor speaking with clients
While some experts say a good rule of thumb is to hire an advisor when you can save 20% of your annual income, others recommend obtaining one when your financial situation becomes more complicated, such as when you receive an inheritance from a parent or you want to increase your retirement funds.
We re more than stocks-pickers, says Jose Sanchez, a certified financial planner with Retirement Wealth Advisors in Santa Fe, New Mexico. People often procrastinate making decisions and need a slight nudge. We focus on the human side of financial planning and spend 80% of our time listening, finding out those goals and how to achieve them. ....

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3 reasons to open a high-yield savings account when rates are low

3 reasons to open a high-yield savings account when rates are low
By Ellen Chang
High yield savings accounts generate more interest and saving levels. (iStock)
Online banks are providing higher interest rates than brick and mortar banks and typically offer 20 times the national average bank rate of 0.05%, according to the Federal Deposit Insurance Corp. Interest rates for savings accounts and CDs declined several times this year because of the interest rate cuts by the Federal Reserve.
However, consumers should continue to allocate their money into a high-yield savings account even though rates are not as high as in previous years. Check out all the ways you can maximize your earnings with these high-yield savings options on the Credible marketplace. ....

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