How Can I Organize My Finances & Increase My Net Worth?

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Woman looking at finances on tablet (caption: Smart Guide To Investing)Planning for your future is not only a daunting task, but it’s also labor intensive. With all the financial services marketing to you constantly, it can be difficult to sift through and find out what works and what doesn’t. Our financial experts bring you in-depth research explaining retirement plans, investing strategies and answering questions on investment methodologies (heard of a robo advisor?).

Article Overview

Jeff Butler is our financial guru, holding an undergraduate degree in Finance from Malone University. He has a diverse background in small business ownership, accounting and property management. With his expertise in personal finance, Jeff consults on and reviews our investing and financial content, including this article.

Try An Online Bank

Person finger on screen of online bank (caption: Best Online Banks For Savings)The biggest perk of choosing an online bank vs a brick-and-mortar bank is the interest rate can be higher than 2.0%. Standard banks offer an interest rate of 0.1% and lower typically. You can make more money by letting your funds sit in the bank and still make deposits and withdrawals. You may have to deposit and withdraw money differently, but once you learn how to do so, you’ll be set. Find out if you should switch to an online bank.

Plan For The Future, Reach Your Retirement Goals

Having long-term financial goals is essential. Most important is saving for retirement. Don’t rely on your 401k to survive. You also need to contribute to other savings accounts.

We dive into the various types of employer-sponsored retirement accounts, IRAs and more in our best retirement plans article.

How Do I Get The Best Investment Advice Online?

Whether you’re new to the world of investing or are a seasoned pro, it takes a lot of research and sage advice to do it right — especially if you don’t want to fork over big bucks for a financial advisor. We’ve chosen some of the best (and affordable) investment advice websites to help you achieve your financial goals. We give you our top picks for beginners, advanced investors and for those of you who want to focus on mutual funds or trading.

What Are Robo Advisors?

Person at desk with financesA new option for investing is a robo advisor, which serves as a sophisticated robotic online financial advisor. Instead of humans managing the ups and downs of the market, these investing tools are algorithm-driven make calculations and decisions much faster than the human mind is capable of. It’s a relatively new industry, but we’re on top of it — check out our comparison of the best robo advisors.

529 Plans For College Savings

Pile of money with graduation cap (caption: 529 Savings Plans)A 529 plan is a great way to save for college. It is a tax-advantage savings plan to be used on future educational costs. Learn more in our detailed 529 Plan guide.

What area of finance do you need help with?

About The Author:

Kimberly is our home security expert and has been writing about security and safety since 2013, covering everything from security systems and home automation to identity theft protection, home warranties, medical alert systems, and more. She has personally tested hundreds of system components and interfaced with dozens of home security companies to find out what’s happening behind the scenes. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post.

In 2018, she had her first child, which opened up a whole new avenue of security experience with baby gear. She wanted to purchase the safest items for her family.

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. Her natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing products and services.

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