The Latest Breaking News from The Free Financial Advisor

Once you hit your 40s, chances are you’ve got a solid online footprint, a decent credit score, and a lot to protect—which makes you the perfect target for identity thieves. And while many people assume it’s shopping sites or social media that pose the biggest risk, your inbox may be…

Employee perks are often marketed as amazing benefits—free lunches, tuition assistance, or wellness stipends. But not all perks come without strings. In fact, some workplace extras can actually reduce or disqualify your eligibility for key retirement savings advantages. The fine print matters, especially when IRS rules are involved. To protect…

Renovation grants sound like a win-win. You improve your home with financial assistance, and your quality of life increases. But some renovation grants come with hidden strings—conditions that can delay estate transfers, reduce inheritance value, or trigger unexpected taxes. For families trying to build generational wealth or leave property behind…

As parents age, it’s common for adult children to help with financial tasks—from paying bills to managing online accounts. But when adult children control your online banking credentials entirely, things can get complicated fast. Whether it starts as a simple favor or a temporary need, handing over your login information…

Most people assume their retirement savings are safe as long as they’re parked in reputable accounts. But that safety net isn’t always guaranteed—especially when it comes to FDIC protection. What many don’t realize is that a few seemingly minor moves can cause your retirement funds to lose FDIC protection without…

You’ve worked hard, saved diligently, and planned for a relaxing retirement—but all of that effort can be undercut by a surprisingly high tax bill if you’re not prepared. Certain age-related milestones can unintentionally push you into higher tax brackets, reduce deductions, or trigger penalties. These moments often fly under the…

Phishing schemes are everywhere. Even people who know the risks can get caught. Cybercriminals keep getting smarter, and their tricks are harder to spot. You might think you’re too careful to fall for a scam, but phishing attacks are designed to fool even the most alert account holders. These scams…

When someone dies, you expect their financial life to stop. But that’s not always what happens. Recurring charges—like streaming services, gym memberships, and subscription boxes—can keep draining money from a deceased person’s account for months or even years. These charges don’t just disappear. They keep running until someone steps in…

The world of investing is changing fast. In 2025, financial planners are telling more people to take on riskier portfolios. This shift isn’t just for thrill-seekers or the ultra-wealthy. Every day, investors are hearing new advice about how to grow their money. Why? The old rules aren’t working as well.…

Finding your card declined at the checkout feels shocking. A frozen account can stop paychecks and block bills. Why would a bank freeze your account and not warn you? This matters because access to cash is basic for daily life. Read clear steps and rights so you can act fast.

Credit reports steer big financial decisions. Lenders, landlords, and employers use them. When a report omits important details, you can lose out or pay more. Knowing why data is missing helps you fix it fast.