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Top Insights Driving Financial Planning Strategies in 2025

WiserAdvisor

The financial planning industry is constantly undergoing change. Financial advisors should take these factors into account to ensure their clients receive the right experience. This article will discuss some of the most pivotal financial planning industry trends to watch out for this year.

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Stocks vs. Bonds: Historical Returns, Risk, and the Case for Both

Darrow Wealth Management

Bonds are also less risky than stocks because in the event of bankruptcy, bondholders will get repaid first. The choice between stocks and bonds depends on their individual circumstances, such as risk tolerance, time horizon, and financial goals. Stocks have unlimited growth potential but also more volatility.

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Active vs. Passive Investing: Which Strategy is Right for You?

Your Richest Life

Your investing strategy is a personal approach based on your goals, life stage and risk tolerance. The markets are fickle, and prone to quick swings based on even seemingly minor events. Risk tolerance – How comfortable are you with risk? For one thing, no one can really time the market.

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Can You Live Off Dividends In Retirement?

Darrow Wealth Management

Generally, investors don’t increase their risk profile as they move through retirement. Allocation choices also shouldn’t be based on the notion that dipping into principal derails a financial plan. In another words, if your asset allocation is 60% stocks and 40% bonds, the current weighted average yield is 2.19%.

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Market Drama

Zoe Financial

For investors, this may be a time to revisit your financial plan, not to panic. Consider speaking with a financial advisor about risk tolerance and strategies like tax loss harvesting. Andres Disclosure: This material provided by Zoe Financial is for informational purposes only. Stay tuned for next week.

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The Role of Financial Advisors in Managing Healthcare Expenses

WiserAdvisor

Advisor-led HSA strategies for retirement planning Healthcare financial advisors assist clients in making informed decisions across the lifecycle of an HSA: Contribution planning : Advisors help determine the amount to contribute each year, taking into account income, tax implications, and anticipated healthcare needs.

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Avoid Making These Mistakes to Safeguard Your Wealth

WiserAdvisor

It plays a crucial role in helping people achieve financial stability, prepare for retirement, and leave a lasting legacy for their families. Yet even the best financial plans can stumble. A 2023 survey by Law Depot found that 73% of Americans didn’t have an estate plan. Wealth management isn’t only for the ultra-rich.