CINXE.COM

<!DOCTYPE html><html lang="en" style="overflow-y:scroll"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>Do I Need a Financial Advisor? - Benzinga</title><script type="application/ld+json">{ "@context": "http://schema.org", "@type": "Article", "publisher": {"@type":"Organization","logo":{"@type":"ImageObject","url":"/next-assets/images/schema-publisher-logo-benzinga.png"},"name":"Benzinga","url":"https://www.benzinga.com"}, "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.benzinga.com/money/do-i-need-a-financial-advisor" }, "mainEntity": "WebPage", "headline": "Do I Need a Financial Advisor?", "url": "https://www.benzinga.com/money/do-i-need-a-financial-advisor", "dateCreated": "2023-08-14T09:59:50.000-04:00", "datePublished": "2023-08-14T09:59:50.000-04:00", "dateModified": "2023-08-14T09:59:51.000-04:00", "creator": { "@type": "Person", "name": "Alison Plaut" }, "author": { "@type": "Person", "name": "Alison Plaut" }, "description": "When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan.", "keywords": [], "mentions": [], "image": "https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200&height=800&fit=crop" }</script><script type="application/ld+json">{ "@context": "http://schema.org", "@type": "NewsMediaOrganization", "name": "Benzinga", "email": "info@benzinga.com", "legalName": "Benzinga", "telephone": "877-440-9464", "url": "https://www.benzinga.com/", "logo": "/next-assets/images/schema-publisher-logo-benzinga.png", "image": "/next-assets/images/schema-image-default.png", "address": { "@type": "PostalAddress", "addressLocality": "Detroit", "addressRegion": "MI", "postalCode": "48226", "streetAddress": "1 Campus Martius Suite 200", "addressCountry": "USA" }, "sameAs": [ "https://www.facebook.com/pages/Benzingacom/159483118580?v=app_7146470109", "https://twitter.com/benzinga", "https://www.linkedin.com/company/benzinga", "https://plus.google.com/108838891574408087738/posts", "https://www.youtube.com/user/BenzingaTV" ], "brand": [ { "@type": "Brand", "name": "Benzinga PreMarket Prep", "url": "https://www.benzinga.com/premarket" }, { "@type": "Brand", "name": "Benzinga Markets", "url": "https://www.benzinga.com/markets/" }, { "@type": "Brand", "name": "Benzinga Pro", "url": "https://pro.benzinga.com/" }, { "@type": "Brand", "name": "Benzinga Cloud: Data & APIs", "url": "https://www.benzinga.com/apis" }, { "@type": "Brand", "name": "Benzinga Events", "url": "https://www.benzinga.com/events" }, { "@type": "Brand", "name": "Benzinga Money", "url": "https://www.benzinga.com/money/" }, { "@type": "Brand", "name": "Benzinga Marketfy", "url": "https://marketfy.com/" } ] }</script><meta content="Copyright Benzinga. All rights reserved." name="copyright"/><link href="https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200&height=800&fit=crop" rel="image_src"/><meta content="When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan." name="description"/><link href="https://www.benzinga.com/money/do-i-need-a-financial-advisor" rel="canonical"/><meta content="Alison Plaut" name="author"/><link color="#1177BA" href="/next-assets/images/safari-pinned-tab.svg" rel="mask-icon"/><link href="/next-assets/images/apple-touch-icon.png" rel="apple-touch-icon" sizes="180x180"/><link href="/next-assets/images/favicon-32x32.png" rel="icon" sizes="32x32" type="image/png"/><link href="/next-assets/images/favicon-16x16.png" rel="icon" sizes="16x16" type="image/png"/><link href="/next-assets/site.webmanifest" rel="manifest"/><link color="#5bbad5" href="/next-assets/images/safari-pinned-tab.svg" rel="mask-icon"/><meta content="#2d89ef" name="msapplication-TileColor"/><meta content="#ffffff" name="theme-color"/><meta content="159483118580" property="fb:app_id"/><link href="http://feeds.benzinga.com/benzinga" rel="alternate" title="Benzinga" type="application/rss+xml"/><meta content="https://www.benzinga.com/money/do-i-need-a-financial-advisor" name="syndication-source"/><meta content="summary" name="twitter:card"/><meta content="@benzinga" name="twitter:site"/><meta content="Do I Need a Financial Advisor?" name="twitter:title"/><meta content="When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan." name="twitter:description"/><meta content="https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200&height=800&fit=crop" name="twitter:image:src"/><meta content="Benzinga" property="og:site_name"/><meta content="https://www.benzinga.com/money/do-i-need-a-financial-advisor" property="og:url"/><meta content="Do I Need a Financial Advisor?" property="og:title"/><meta content="article" property="og:type"/><meta content="When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan." property="og:description"/><meta content="https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200&height=800&fit=crop" property="og:image"/><meta content="image/jpeg" property="og:image:type"/><meta content="1200" property="og:image:width"/><meta content="630" property="og:image:height"/><meta content="app-id=688949481, app-argument=https://itunes.apple.com/us/app/id688949481" name="apple-itunes-app" property="Benzinga for iOS"/><meta content="yes" name="apple-mobile-web-app-capable"/><meta content="black" name="apple-mobile-web-app-status-bar-style"/><meta content="max-image-preview:large" name="robots"/><link href="/manifest.json" rel="manifest"/><meta content="648186192" property="fb:admins"/><meta content="B01B3489A33F83DDA4083E88C260097C" name="msvalidate.01"/><meta content="84f3b1552db5dfbe" name="y_key"/><meta content="101a0095-334d-4935-b87e-0e8fc771214e" name="fo-verify"/><meta content="English" name="language"/><script id="voice-search-schema" type="application/ld+json">{"@context":"https://schema.org/","@type":"WebPage","name":"Benzinga","speakable":{"@type":"SpeakableSpecification","xpath":["/html/head/title","/html/head/meta[@name='description']/@content"]},"url":"https://www.benzinga.com/"}</script><script id="sitelink-search-schema" type="application/ld+json">{"@context":"https://schema.org/","@type":"WebSite","name":"Benzinga","potentialAction":{"@type":"SearchAction","query-input":"required name=search_term_string","target":"https://www.benzinga.com/search/fast?cx={search_term_string}"},"url":"https://www.benzinga.com/"}</script><script id="navigation-header-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"SiteNavigationElement","Name":["Personal Finance","Insurance","Investing","Alternative Investing","Mortgage","Cryptocurrency"],"Url":["https://www.benzinga.com/money/personal-finance","https://www.benzinga.com/money/insurance","https://www.benzinga.com/money/investing","https://www.benzinga.com/money/alternative-investing","https://www.benzinga.com/money/mortgages","https://www.benzinga.com/money/crypto"]}</script><script id="breadcrumb-schema" type="application/ld+json">{"@context":"https://schema.org/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","item":{"@id":"https://www.benzinga.com/money/personal-finance","@type":"WebPage","name":"Personal Finance","url":"https://www.benzinga.com/money/personal-finance"},"position":1},{"@type":"ListItem","item":{"@id":"https://www.benzinga.com/money/do-i-need-a-financial-advisor","@type":"WebPage","name":"Do I Need a Financial Advisor?","url":"https://www.benzinga.com/money/do-i-need-a-financial-advisor"},"position":2}]}</script><script id="faq-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"<p>Whether you should use a financial advisor depends on your situation. For many families, a financial advisor can offer guidance and set a direction for tax optimization, investment advice, and more. However, you may not need a financial advisor if you&#8217;re willing to research financial opportunities.</p>\n"},"name":"Should I use a financial advisor?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"<p>Whether you should get a financial advisor will depend on your goals and financial situation. If you&#8217;re crossing a major life event, need help with estate planning, or need investment or debt repayment advice, a financial advisor can help.</p>\n"},"name":"Should I get a financial advisor?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"<p>A financial advisor can be worth the cost if they can help set up a tax-optimized investment strategy or create a plan to get out of debt. However, not everyone needs a financial advisor, and often researching simple tax-optimized retirement advice can give you similar results.</p>\n"},"name":"Is a financial advisor worth it?"}]}</script><meta name="next-head-count" content="50"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-300.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-regular.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-500.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-600.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-700.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-800.woff2" rel="preload" type="font/woff2"/><style>:root, :host { --fa-font-solid: normal 900 1em/1 "Font Awesome 6 Solid"; --fa-font-regular: normal 400 1em/1 "Font Awesome 6 Regular"; --fa-font-light: normal 300 1em/1 "Font Awesome 6 Light"; --fa-font-thin: normal 100 1em/1 "Font Awesome 6 Thin"; --fa-font-duotone: normal 900 1em/1 "Font Awesome 6 Duotone"; --fa-font-sharp-solid: normal 900 1em/1 "Font Awesome 6 Sharp"; --fa-font-sharp-regular: normal 400 1em/1 "Font Awesome 6 Sharp"; --fa-font-sharp-light: normal 300 1em/1 "Font Awesome 6 Sharp"; --fa-font-sharp-thin: normal 100 1em/1 "Font Awesome 6 Sharp"; --fa-font-brands: normal 400 1em/1 "Font Awesome 6 Brands"; } svg:not(:root).svg-inline--fa, svg:not(:host).svg-inline--fa { overflow: visible; box-sizing: content-box; } .svg-inline--fa { display: var(--fa-display, inline-block); height: 1em; overflow: visible; vertical-align: -0.125em; } .svg-inline--fa.fa-2xs { vertical-align: 0.1em; } .svg-inline--fa.fa-xs { vertical-align: 0em; } .svg-inline--fa.fa-sm { vertical-align: -0.0714285705em; } .svg-inline--fa.fa-lg { vertical-align: -0.2em; } .svg-inline--fa.fa-xl { vertical-align: -0.25em; } .svg-inline--fa.fa-2xl { vertical-align: -0.3125em; } .svg-inline--fa.fa-pull-left { margin-right: var(--fa-pull-margin, 0.3em); width: auto; } .svg-inline--fa.fa-pull-right { margin-left: var(--fa-pull-margin, 0.3em); width: auto; } .svg-inline--fa.fa-li { width: var(--fa-li-width, 2em); top: 0.25em; } .svg-inline--fa.fa-fw { width: var(--fa-fw-width, 1.25em); } .fa-layers svg.svg-inline--fa { bottom: 0; left: 0; margin: auto; position: absolute; right: 0; top: 0; } .fa-layers-counter, .fa-layers-text { display: inline-block; position: absolute; text-align: center; } .fa-layers { display: inline-block; height: 1em; position: relative; text-align: center; vertical-align: -0.125em; width: 1em; } .fa-layers svg.svg-inline--fa { -webkit-transform-origin: center center; transform-origin: center center; } .fa-layers-text { left: 50%; top: 50%; -webkit-transform: translate(-50%, -50%); transform: translate(-50%, -50%); -webkit-transform-origin: center center; transform-origin: center center; } .fa-layers-counter { background-color: var(--fa-counter-background-color, #ff253a); border-radius: var(--fa-counter-border-radius, 1em); box-sizing: border-box; color: var(--fa-inverse, #fff); line-height: var(--fa-counter-line-height, 1); max-width: var(--fa-counter-max-width, 5em); min-width: var(--fa-counter-min-width, 1.5em); overflow: hidden; padding: var(--fa-counter-padding, 0.25em 0.5em); right: var(--fa-right, 0); text-overflow: ellipsis; top: var(--fa-top, 0); -webkit-transform: scale(var(--fa-counter-scale, 0.25)); transform: scale(var(--fa-counter-scale, 0.25)); -webkit-transform-origin: top right; transform-origin: top right; } .fa-layers-bottom-right { bottom: var(--fa-bottom, 0); right: var(--fa-right, 0); top: auto; -webkit-transform: scale(var(--fa-layers-scale, 0.25)); transform: scale(var(--fa-layers-scale, 0.25)); -webkit-transform-origin: bottom right; transform-origin: bottom right; } .fa-layers-bottom-left { bottom: var(--fa-bottom, 0); left: var(--fa-left, 0); right: auto; top: auto; -webkit-transform: scale(var(--fa-layers-scale, 0.25)); transform: scale(var(--fa-layers-scale, 0.25)); -webkit-transform-origin: bottom left; transform-origin: bottom left; } .fa-layers-top-right { top: var(--fa-top, 0); right: var(--fa-right, 0); -webkit-transform: scale(var(--fa-layers-scale, 0.25)); transform: scale(var(--fa-layers-scale, 0.25)); -webkit-transform-origin: top right; transform-origin: top right; } .fa-layers-top-left { left: var(--fa-left, 0); right: auto; top: var(--fa-top, 0); -webkit-transform: scale(var(--fa-layers-scale, 0.25)); transform: scale(var(--fa-layers-scale, 0.25)); -webkit-transform-origin: top left; transform-origin: top left; } .fa-1x { font-size: 1em; } .fa-2x { font-size: 2em; } .fa-3x { font-size: 3em; } .fa-4x { font-size: 4em; } .fa-5x { font-size: 5em; } .fa-6x { font-size: 6em; } .fa-7x { font-size: 7em; } .fa-8x { font-size: 8em; } .fa-9x { font-size: 9em; } .fa-10x { font-size: 10em; } .fa-2xs { font-size: 0.625em; line-height: 0.1em; vertical-align: 0.225em; } .fa-xs { font-size: 0.75em; line-height: 0.0833333337em; vertical-align: 0.125em; } .fa-sm { font-size: 0.875em; line-height: 0.0714285718em; vertical-align: 0.0535714295em; } .fa-lg { font-size: 1.25em; line-height: 0.05em; vertical-align: -0.075em; } .fa-xl { font-size: 1.5em; line-height: 0.0416666682em; vertical-align: -0.125em; } .fa-2xl { font-size: 2em; line-height: 0.03125em; vertical-align: -0.1875em; } .fa-fw { text-align: center; width: 1.25em; } .fa-ul { list-style-type: none; margin-left: var(--fa-li-margin, 2.5em); padding-left: 0; } .fa-ul > li { position: relative; } .fa-li { left: calc(var(--fa-li-width, 2em) * -1); position: absolute; text-align: center; width: var(--fa-li-width, 2em); line-height: inherit; } .fa-border { border-color: var(--fa-border-color, #eee); border-radius: var(--fa-border-radius, 0.1em); border-style: var(--fa-border-style, solid); border-width: var(--fa-border-width, 0.08em); padding: var(--fa-border-padding, 0.2em 0.25em 0.15em); } .fa-pull-left { float: left; margin-right: var(--fa-pull-margin, 0.3em); } .fa-pull-right { float: right; margin-left: var(--fa-pull-margin, 0.3em); } .fa-beat { -webkit-animation-name: fa-beat; animation-name: fa-beat; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, ease-in-out); animation-timing-function: var(--fa-animation-timing, ease-in-out); } .fa-bounce { -webkit-animation-name: fa-bounce; animation-name: fa-bounce; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.28, 0.84, 0.42, 1)); animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.28, 0.84, 0.42, 1)); } .fa-fade { -webkit-animation-name: fa-fade; animation-name: fa-fade; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.4, 0, 0.6, 1)); animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.4, 0, 0.6, 1)); } .fa-beat-fade { -webkit-animation-name: fa-beat-fade; animation-name: fa-beat-fade; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.4, 0, 0.6, 1)); animation-timing-function: var(--fa-animation-timing, cubic-bezier(0.4, 0, 0.6, 1)); } .fa-flip { -webkit-animation-name: fa-flip; animation-name: fa-flip; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, ease-in-out); animation-timing-function: var(--fa-animation-timing, ease-in-out); } .fa-shake { -webkit-animation-name: fa-shake; animation-name: fa-shake; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, linear); animation-timing-function: var(--fa-animation-timing, linear); } .fa-spin { -webkit-animation-name: fa-spin; animation-name: fa-spin; -webkit-animation-delay: var(--fa-animation-delay, 0s); animation-delay: var(--fa-animation-delay, 0s); -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 2s); animation-duration: var(--fa-animation-duration, 2s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, linear); animation-timing-function: var(--fa-animation-timing, linear); } .fa-spin-reverse { --fa-animation-direction: reverse; } .fa-pulse, .fa-spin-pulse { -webkit-animation-name: fa-spin; animation-name: fa-spin; -webkit-animation-direction: var(--fa-animation-direction, normal); animation-direction: var(--fa-animation-direction, normal); -webkit-animation-duration: var(--fa-animation-duration, 1s); animation-duration: var(--fa-animation-duration, 1s); -webkit-animation-iteration-count: var(--fa-animation-iteration-count, infinite); animation-iteration-count: var(--fa-animation-iteration-count, infinite); -webkit-animation-timing-function: var(--fa-animation-timing, steps(8)); animation-timing-function: var(--fa-animation-timing, steps(8)); } @media (prefers-reduced-motion: reduce) { .fa-beat, .fa-bounce, .fa-fade, .fa-beat-fade, .fa-flip, .fa-pulse, .fa-shake, .fa-spin, .fa-spin-pulse { -webkit-animation-delay: -1ms; animation-delay: -1ms; -webkit-animation-duration: 1ms; animation-duration: 1ms; -webkit-animation-iteration-count: 1; animation-iteration-count: 1; -webkit-transition-delay: 0s; transition-delay: 0s; -webkit-transition-duration: 0s; transition-duration: 0s; } } @-webkit-keyframes fa-beat { 0%, 90% { -webkit-transform: scale(1); transform: scale(1); } 45% { -webkit-transform: scale(var(--fa-beat-scale, 1.25)); transform: scale(var(--fa-beat-scale, 1.25)); } } @keyframes fa-beat { 0%, 90% { -webkit-transform: scale(1); transform: scale(1); } 45% { -webkit-transform: scale(var(--fa-beat-scale, 1.25)); transform: scale(var(--fa-beat-scale, 1.25)); } } @-webkit-keyframes fa-bounce { 0% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 10% { -webkit-transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); } 30% { -webkit-transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) translateY(var(--fa-bounce-height, -0.5em)); transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) translateY(var(--fa-bounce-height, -0.5em)); } 50% { -webkit-transform: scale(var(--fa-bounce-land-scale-x, 1.05), var(--fa-bounce-land-scale-y, 0.95)) translateY(0); transform: scale(var(--fa-bounce-land-scale-x, 1.05), var(--fa-bounce-land-scale-y, 0.95)) translateY(0); } 57% { -webkit-transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); } 64% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 100% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } } @keyframes fa-bounce { 0% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 10% { -webkit-transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); } 30% { -webkit-transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) translateY(var(--fa-bounce-height, -0.5em)); transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) translateY(var(--fa-bounce-height, -0.5em)); } 50% { -webkit-transform: scale(var(--fa-bounce-land-scale-x, 1.05), var(--fa-bounce-land-scale-y, 0.95)) translateY(0); transform: scale(var(--fa-bounce-land-scale-x, 1.05), var(--fa-bounce-land-scale-y, 0.95)) translateY(0); } 57% { -webkit-transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); } 64% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 100% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } } @-webkit-keyframes fa-fade { 50% { opacity: var(--fa-fade-opacity, 0.4); } } @keyframes fa-fade { 50% { opacity: var(--fa-fade-opacity, 0.4); } } @-webkit-keyframes fa-beat-fade { 0%, 100% { opacity: var(--fa-beat-fade-opacity, 0.4); -webkit-transform: scale(1); transform: scale(1); } 50% { opacity: 1; -webkit-transform: scale(var(--fa-beat-fade-scale, 1.125)); transform: scale(var(--fa-beat-fade-scale, 1.125)); } } @keyframes fa-beat-fade { 0%, 100% { opacity: var(--fa-beat-fade-opacity, 0.4); -webkit-transform: scale(1); transform: scale(1); } 50% { opacity: 1; -webkit-transform: scale(var(--fa-beat-fade-scale, 1.125)); transform: scale(var(--fa-beat-fade-scale, 1.125)); } } @-webkit-keyframes fa-flip { 50% { -webkit-transform: rotate3d(var(--fa-flip-x, 0), var(--fa-flip-y, 1), var(--fa-flip-z, 0), var(--fa-flip-angle, -180deg)); transform: rotate3d(var(--fa-flip-x, 0), var(--fa-flip-y, 1), var(--fa-flip-z, 0), var(--fa-flip-angle, -180deg)); } } @keyframes fa-flip { 50% { -webkit-transform: rotate3d(var(--fa-flip-x, 0), var(--fa-flip-y, 1), var(--fa-flip-z, 0), var(--fa-flip-angle, -180deg)); transform: rotate3d(var(--fa-flip-x, 0), var(--fa-flip-y, 1), var(--fa-flip-z, 0), var(--fa-flip-angle, -180deg)); } } @-webkit-keyframes fa-shake { 0% { -webkit-transform: rotate(-15deg); transform: rotate(-15deg); } 4% { -webkit-transform: rotate(15deg); transform: rotate(15deg); } 8%, 24% { -webkit-transform: rotate(-18deg); transform: rotate(-18deg); } 12%, 28% { -webkit-transform: rotate(18deg); transform: rotate(18deg); } 16% { -webkit-transform: rotate(-22deg); transform: rotate(-22deg); } 20% { -webkit-transform: rotate(22deg); transform: rotate(22deg); } 32% { -webkit-transform: rotate(-12deg); transform: rotate(-12deg); } 36% { -webkit-transform: rotate(12deg); transform: rotate(12deg); } 40%, 100% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } } @keyframes fa-shake { 0% { -webkit-transform: rotate(-15deg); transform: rotate(-15deg); } 4% { -webkit-transform: rotate(15deg); transform: rotate(15deg); } 8%, 24% { -webkit-transform: rotate(-18deg); transform: rotate(-18deg); } 12%, 28% { -webkit-transform: rotate(18deg); transform: rotate(18deg); } 16% { -webkit-transform: rotate(-22deg); transform: rotate(-22deg); } 20% { -webkit-transform: rotate(22deg); transform: rotate(22deg); } 32% { -webkit-transform: rotate(-12deg); transform: rotate(-12deg); } 36% { -webkit-transform: rotate(12deg); transform: rotate(12deg); } 40%, 100% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } } @-webkit-keyframes fa-spin { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } @keyframes fa-spin { 0% { -webkit-transform: rotate(0deg); transform: rotate(0deg); } 100% { -webkit-transform: rotate(360deg); transform: rotate(360deg); } } .fa-rotate-90 { -webkit-transform: rotate(90deg); transform: rotate(90deg); } .fa-rotate-180 { -webkit-transform: rotate(180deg); transform: rotate(180deg); } .fa-rotate-270 { -webkit-transform: rotate(270deg); transform: rotate(270deg); } .fa-flip-horizontal { -webkit-transform: scale(-1, 1); transform: scale(-1, 1); } .fa-flip-vertical { -webkit-transform: scale(1, -1); transform: scale(1, -1); } .fa-flip-both, .fa-flip-horizontal.fa-flip-vertical { -webkit-transform: scale(-1, -1); transform: scale(-1, -1); } .fa-rotate-by { -webkit-transform: rotate(var(--fa-rotate-angle, none)); transform: rotate(var(--fa-rotate-angle, none)); } .fa-stack { display: inline-block; vertical-align: middle; height: 2em; position: relative; width: 2.5em; } .fa-stack-1x, .fa-stack-2x { bottom: 0; left: 0; margin: auto; position: absolute; right: 0; top: 0; z-index: var(--fa-stack-z-index, auto); } .svg-inline--fa.fa-stack-1x { height: 1em; width: 1.25em; } .svg-inline--fa.fa-stack-2x { height: 2em; width: 2.5em; } .fa-inverse { color: var(--fa-inverse, #fff); } .sr-only, .fa-sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border-width: 0; } .sr-only-focusable:not(:focus), .fa-sr-only-focusable:not(:focus) { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border-width: 0; } .svg-inline--fa .fa-primary { fill: var(--fa-primary-color, currentColor); opacity: var(--fa-primary-opacity, 1); } .svg-inline--fa .fa-secondary { fill: var(--fa-secondary-color, currentColor); opacity: var(--fa-secondary-opacity, 0.4); } .svg-inline--fa.fa-swap-opacity .fa-primary { opacity: var(--fa-secondary-opacity, 0.4); } .svg-inline--fa.fa-swap-opacity .fa-secondary { opacity: var(--fa-primary-opacity, 1); } .svg-inline--fa mask .fa-primary, .svg-inline--fa mask .fa-secondary { fill: black; } .fad.fa-inverse, .fa-duotone.fa-inverse { color: var(--fa-inverse, #fff); }</style><link rel="preload" href="/money-build/_next/static/css/e6bcf845f7423129.css" as="style"/><link rel="stylesheet" href="/money-build/_next/static/css/e6bcf845f7423129.css" data-n-g=""/><link rel="preload" href="/money-build/_next/static/css/a06291357bbe407f.css" as="style"/><link rel="stylesheet" href="/money-build/_next/static/css/a06291357bbe407f.css" data-n-p=""/><link rel="preload" href="/money-build/_next/static/css/b5d5e95143afbc31.css" as="style"/><link rel="stylesheet" href="/money-build/_next/static/css/b5d5e95143afbc31.css" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" nomodule="" src="/money-build/_next/static/chunks/polyfills-78c92fac7aa8fdd8.js"></script><script src="/money-build/_next/static/chunks/webpack-24fab15b4108c635.js" defer=""></script><script src="/money-build/_next/static/chunks/framework-9655ec7bb05d0a86.js" defer=""></script><script src="/money-build/_next/static/chunks/main-00e21df591193615.js" defer=""></script><script src="/money-build/_next/static/chunks/pages/_app-c1e627ad9a8c46a4.js" defer=""></script><script src="/money-build/_next/static/chunks/ad54e6ef-bd2e972c5f73bb60.js" defer=""></script><script src="/money-build/_next/static/chunks/8c469d57-00647d4aa2d638c1.js" defer=""></script><script src="/money-build/_next/static/chunks/69bd6bf3-889157ae083b6079.js" defer=""></script><script src="/money-build/_next/static/chunks/5adc83ef-b060482df7d9c34d.js" defer=""></script><script src="/money-build/_next/static/chunks/5a87b055-bac10eed464562a1.js" defer=""></script><script src="/money-build/_next/static/chunks/a29ae703-d9fe8ae5f7e6799e.js" defer=""></script><script src="/money-build/_next/static/chunks/1986-c65164b43ff79f3e.js" defer=""></script><script src="/money-build/_next/static/chunks/1244-8ec4127a2f2d79f7.js" defer=""></script><script src="/money-build/_next/static/chunks/5420-9d4a2b1245f0a417.js" defer=""></script><script src="/money-build/_next/static/chunks/9617-a4ca0925d8f75967.js" defer=""></script><script src="/money-build/_next/static/chunks/8061-e31aae60d80671a4.js" defer=""></script><script src="/money-build/_next/static/chunks/pages/%5B...slug%5D-dba7bcd66cdde19e.js" defer=""></script><script src="/money-build/_next/static/QxnXI8wkpkXYf1wXFOuO6/_buildManifest.js" defer=""></script><script src="/money-build/_next/static/QxnXI8wkpkXYf1wXFOuO6/_ssgManifest.js" defer=""></script><style data-styled="" data-styled-version="6.1.8">.gXOpzD.breadcrumbs-container{display:flex;flex-wrap:wrap;gap:0 8px;min-height:26px;}/*!sc*/ .gXOpzD.breadcrumbs-container .breadcrumb-separator{color:#5b7292;line-height:1.6;font-size:16px;width:7px;}/*!sc*/ .gXOpzD.breadcrumbs-container.money-app .breadcrumb a{color:white;}/*!sc*/ .gXOpzD.breadcrumbs-container.money-app .breadcrumb:last-of-type span{color:#5b7292;}/*!sc*/ data-styled.g44[id="sc-cbDaos"]{content:"gXOpzD,"}/*!sc*/ .MhXxJ.breadcrumb{color:#395173;font-size:16px;}/*!sc*/ .MhXxJ.breadcrumb:first-of-type{margin-left:0;}/*!sc*/ .MhXxJ.breadcrumb:last-of-type{margin-right:0;}/*!sc*/ .MhXxJ.breadcrumb:last-of-type >span{color:#000000;}/*!sc*/ .MhXxJ.breadcrumb >a:hover{color:#3f83f8;}/*!sc*/ data-styled.g45[id="sc-iVheDh"]{content:"MhXxJ,"}/*!sc*/ .jzsSFa .layout-above .section-description{margin-bottom:1rem;}/*!sc*/ .jzsSFa .related-info-container{display:inline-flex;margin:0.5rem 0;}/*!sc*/ @media (min-width: 800px){.jzsSFa .has-left-sidebar .layout-sidebar{display:none;}}/*!sc*/ @media (min-width: 1100px){.jzsSFa .has-left-sidebar .layout-sidebar{display:block;}}/*!sc*/ @media (min-width: 800px){.jzsSFa .layout-flex{flex-direction:row;}}/*!sc*/ @media (max-width: 799px){.jzsSFa .layout-flex >div{width:100%;}}/*!sc*/ .jzsSFa .layout-header.full-width{padding:0;}/*!sc*/ .jzsSFa .layout-header.full-width .layout-container{max-width:100%;}/*!sc*/ .jzsSFa .layout-main{overflow-x:auto;width:100%;}/*!sc*/ @media (min-width: 1300px){.jzsSFa .layout-container{max-width:1300px;}}/*!sc*/ @media (max-width: 1300px){.jzsSFa .layout-container,.jzsSFa .layout-header{padding-left:0.25rem;padding-right:0.25rem;}.jzsSFa .layout-container.full-width .layout-container,.jzsSFa .layout-header.full-width .layout-container{padding:0;}}/*!sc*/ data-styled.g63[id="sc-hiTDLB"]{content:"jzsSFa,"}/*!sc*/ .cApKXp{margin-top:1rem;margin-bottom:1.5rem;}/*!sc*/ data-styled.g64[id="sc-ejCKsa"]{content:"cApKXp,"}/*!sc*/ .bNzjwk{width:300px;}/*!sc*/ @media (min-width: 800px){.bNzjwk{margin-left:1rem;}}/*!sc*/ data-styled.g65[id="sc-ldgOGP"]{content:"bNzjwk,"}/*!sc*/ .lasYKN.benzinga-logo{display:inline-block;}/*!sc*/ .lasYKN.benzinga-logo.desktop{width:192px;min-width:192px;max-width:192px;}/*!sc*/ .lasYKN.benzinga-logo img,.lasYKN.benzinga-logo svg{width:100%;height:100%;}/*!sc*/ data-styled.g380[id="sc-gopctv"]{content:"lasYKN,"}/*!sc*/ .cFgqQD{display:flex;align-items:center;margin:0 4px;padding-right:0px;width:192px;min-width:144px;}/*!sc*/ .cFgqQD .benzinga-crypto-logo-wrapper{margin-bottom:-1px;}/*!sc*/ .cFgqQD >a{display:inline-flex;}/*!sc*/ data-styled.g387[id="sc-iZpKJA"]{content:"cFgqQD,"}/*!sc*/ .bRasV{color:#3effdc;margin-left:8px;display:flex;align-items:center;}/*!sc*/ .bRasV span{border-left:2px solid #395173;padding-left:8px;display:inline-block;line-height:1;font-weight:600;text-transform:capitalize;}/*!sc*/ data-styled.g388[id="sc-eEpesX"]{content:"bRasV,"}/*!sc*/ .jMfbAn{margin-top:0;padding-top:10px;font-size:12px;line-height:21px;text-decoration:none;}/*!sc*/ data-styled.g391[id="sc-jKBaTn"]{content:"jMfbAn,"}/*!sc*/ .kbINRX{transition:color 0.2s cubic-bezier(0.25, 0.46, 0.45, 0.94),color 0.2s ease;text-decoration:none;}/*!sc*/ data-styled.g392[id="sc-dXGmlw"]{content:"kbINRX,"}/*!sc*/ .irAvrn.button-wrapper{border-radius:6px;overflow:hidden;background-color:#ffffff;display:flex;align-items:center;justify-content:center;padding:5px;min-width:140px;-webkit-transition:all 200ms ease;transition:all 200ms ease;height:50px;box-sizing:border-box;}/*!sc*/ .irAvrn.button-wrapper:hover{background-color:#CEDDF2;}/*!sc*/ data-styled.g393[id="sc-jUULvF"]{content:"irAvrn,"}/*!sc*/ .bvQXBL{line-height:48px;padding:0 10px;font-family:Manrope,Manrope-fallback,sans-serif;font-weight:bold;font-size:14px;color:#000000;height:100%;display:inline-flex;align-items:center;justify-content:center;}/*!sc*/ .bvQXBL:hover{background-color:#e1effe;color:unset;}/*!sc*/ .bvQXBL.trading-school{color:#298ccd!important;}/*!sc*/ @media screen and (min-width: 1292px){.bvQXBL.trading-school svg{display:none;}}/*!sc*/ @media screen and (max-width: 800px){.bvQXBL{color:white;width:100%;text-align:left;display:inline-flex;justify-content:start;}.bvQXBL:hover{background-color:inherit;}}/*!sc*/ data-styled.g439[id="sc-dkXDdO"]{content:"bvQXBL,"}/*!sc*/ .havMFh{line-height:2em;}/*!sc*/ .havMFh a{color:black;}/*!sc*/ .havMFh a:hover{color:#1a56db;}/*!sc*/ data-styled.g440[id="sc-jWMAQs"]{content:"havMFh,"}/*!sc*/ .fTlfHo{line-height:2em;}/*!sc*/ .fTlfHo a{display:block;padding:6px 12px;line-height:1.4rem;}/*!sc*/ .fTlfHo:hover{color:#1a79ff;}/*!sc*/ .fTlfHo.highlight{padding:0 5px;margin-bottom:5px;}/*!sc*/ .fTlfHo.highlight a{color:#ffffff;background-color:unset;font-weight:unset;text-align:center;}/*!sc*/ .fTlfHo.highlight:hover{color:unset;}/*!sc*/ data-styled.g441[id="sc-hfxATx"]{content:"fTlfHo,"}/*!sc*/ .ktojYH.sub-group-wrapper{background-color:#ffffff;border-width:1px;border-top-width:1px;border-color:#CEDDF2;border-bottom-left-radius:2px;border-bottom-right-radius:2px;padding:8px 0;scrollbar-width:thin;max-height:calc(90vh - 100px);}/*!sc*/ .ktojYH.sub-group-wrapper ::-webkit-scrollbar{width:6px!important;}/*!sc*/ .ktojYH.sub-group-wrapper ::-webkit-scrollbar-track{background:#f1f1f1;}/*!sc*/ .ktojYH.sub-group-wrapper ::-webkit-scrollbar-thumb{background:#888;}/*!sc*/ .ktojYH.sub-group-wrapper ::-webkit-scrollbar-thumb:hover{background:#555;}/*!sc*/ data-styled.g445[id="sc-jpxLhJ"]{content:"ktojYH,"}/*!sc*/ .hWHOXW.secondary{position:relative;}/*!sc*/ .hWHOXW.secondary .subnav{position:absolute;right:0;top:48px;}/*!sc*/ .hWHOXW .subnav{display:none;position:absolute;z-index:2000;}/*!sc*/ .hWHOXW .subnav .third-level-menu{display:none;position:absolute;left:100%;background:#ffffff;border:1px solid #CEDDF2;border-bottom-left-radius:2px;border-bottom-right-radius:2px;height:100%;z-index:999999;overflow:auto;top:0;height:auto;min-width:160px;}/*!sc*/ .hWHOXW .subnav .more-nav-menu{position:absolute;top:50%;right:0;transform:translateY(-50%);}/*!sc*/ .hWHOXW:hover .subnav{display:block;}/*!sc*/ .hWHOXW .menu-items{padding:4px;}/*!sc*/ .hWHOXW .menu-items .dropdown-menu-item{position:relative;}/*!sc*/ .hWHOXW .menu-items .dropdown-menu-item:hover .third-level-menu{display:block;}/*!sc*/ @media screen and (max-width: 800px){.hWHOXW .subnav{display:none!important;}}/*!sc*/ data-styled.g446[id="sc-feyBlq"]{content:"hWHOXW,"}/*!sc*/ .dhstaH{text-align:left;}/*!sc*/ .dhstaH.has-groups{width:480px;}/*!sc*/ .dhstaH.has-groups.money-app{max-width:480px;width:auto;min-width:180px;}/*!sc*/ data-styled.g447[id="sc-cnjBov"]{content:"dhstaH,"}/*!sc*/ .hFvgQY.menu-wrapper{background-color:#033251;position:relative;width:140px;white-space:nowrap;}/*!sc*/ @media screen and (max-width: 800px){.hFvgQY.menu-wrapper{background-color:transparent;}}/*!sc*/ @media screen and (min-width: 800px){.hFvgQY.menu-wrapper:hover .account-menu-dropdown{display:block;box-shadow:0 1px 2px 0 rgba(0, 0, 0, 0.05);}}/*!sc*/ .hFvgQY.menu-wrapper .menu-button{align-items:center;color:white;cursor:pointer;display:inline-flex;font-size:12px;height:32px;padding:0px 12px;}/*!sc*/ .hFvgQY.menu-wrapper .menu-button .anticon-user{color:#1a79ff;margin-right:12px;}/*!sc*/ @media screen and (max-width: 800px){.hFvgQY.menu-wrapper .menu-button .anticon-user{color:#a4cafe;font-size:18px;margin-right:0;}.hFvgQY.menu-wrapper .menu-button .anticon-down{display:none;}}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-dropdown{background-color:#ffffff;border:1px solid #E1EBFA;display:none;position:absolute;width:140px;z-index:104;}/*!sc*/ @media screen and (max-width: 800px){.hFvgQY.menu-wrapper .account-menu-dropdown{right:0px;}}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-dropdown.open{display:block;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-dropdown .checkbox-container label{display:flex;font-size:12px;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-item{color:#000000;cursor:pointer;font-size:12px;font-weight:700;padding:8px 12px;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-item a{color:#000000;display:inline-flex;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-item.benzinga-plus a{color:#ff5a1f;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-item.benzinga-pro a{color:#1A79FF;}/*!sc*/ .hFvgQY.menu-wrapper .account-menu-item.benzinga-edge a{color:#3f83f8;}/*!sc*/ .hFvgQY.menu-wrapper .divider{margin:0 auto;width:85%;border-color:#CEDDF2;}/*!sc*/ .hFvgQY.menu-wrapper .my-account-text{margin-right:14px;}/*!sc*/ @media screen and (max-width: 800px){.hFvgQY.menu-wrapper .my-account-text{display:none;}}/*!sc*/ @media screen and (max-width: 800px){.hFvgQY.menu-wrapper{width:3rem;}}/*!sc*/ data-styled.g450[id="sc-fAUVGl"]{content:"hFvgQY,"}/*!sc*/ .dsdGYN{position:fixed;z-index:100;top:0;left:0;right:0;width:100%;transition:all linear 0.12s;}/*!sc*/ .dsdGYN .mobile-header,.dsdGYN .mobile-menu-wrapper,.dsdGYN .mobile-quote-bar{background-color:#08244d;}/*!sc*/ .dsdGYN .mobile-header{border-bottom:1px solid #36537e;}/*!sc*/ .dsdGYN .menu-icon-wrapper{display:flex;align-items:center;justify-content:center;cursor:pointer;flex-shrink:0;width:3rem;height:3rem;color:#CEDDF2;font-size:18px;}/*!sc*/ .dsdGYN.fullscreen .account-menu{pointer-events:none;}/*!sc*/ .dsdGYN .search-wrapper{background:linear-gradient(180deg, #082132 0%, #1d446a 100%);width:100%;z-index:30;}/*!sc*/ .dsdGYN .search-wrapper.fixed{position:fixed;top:101px;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen{position:fixed;background:#242424e0;z-index:999;height:100vh;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen .searchbar-wrapper{padding:0;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen .searchbar-wrapper .search-input-container{border-bottom:1px solid #a4a4a4;padding:8px 12px;background-color:#1d446a;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen .searchbar-wrapper .search-input-wrapper{background-color:white;border-radius:4px;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen .search-dropdown{border-radius:unset;border:none;box-shadow:none;position:unset;}/*!sc*/ .dsdGYN .search-wrapper.fullscreen .search-result-wrapper{border-radius:unset;}/*!sc*/ .dsdGYN .search-wrapper .searchbar-wrapper{padding:8px 12px;background-color:transparent;font-weight:bold;line-height:15px;}/*!sc*/ .dsdGYN .search-wrapper .searchbar-wrapper .search-icon{width:32px;}/*!sc*/ .dsdGYN .search-wrapper .searchbar-wrapper input{font-size:14px;height:45px;}/*!sc*/ .dsdGYN .search-wrapper .searchbar-wrapper .searchbar-container{background-color:white;border-radius:2px;}/*!sc*/ @media screen and (max-width: 800px){.dsdGYN .search-wrapper .searchbar-wrapper input{font-size:16px;}}/*!sc*/ .dsdGYN .mobile-menu-wrapper{z-index:999999;}/*!sc*/ .dsdGYN .mobile-menu-wrapper .premium-button{color:white;line-height:40px;padding:4px 10px;position:fixed;height:min-content;bottom:0px;z-index:10000;background-color:#062b4c;}/*!sc*/ .dsdGYN .mobile-menu-wrapper .premium-button div{background-color:#ff5a1f;border-radius:10px;padding:0px 10px;width:100%;border-radius:5px;margin:2px 0px;text-align:center;}/*!sc*/ .dsdGYN .mobile-menu-wrapper .premium-button svg{font-size:20px;padding-right:5px;}/*!sc*/ .dsdGYN .mobile-menu-wrapper .premium-button:hover div{background-color:#ff8a4c;border-bottom:3px solid #d03801;}/*!sc*/ .dsdGYN .bz-pro-logo{height:60px;background:#062b4c;margin-bottom:60px;}/*!sc*/ .dsdGYN .bz-pro-logo a{border-top:solid 1px #666;padding:1rem;width:100%;}/*!sc*/ .dsdGYN .mobile-logo-wrapper{margin:0;padding:0;width:205px;margin-right:auto;}/*!sc*/ .dsdGYN .mobile-logo-wrapper .benzinga-crypto-logo-wrapper{margin-top:5px;}/*!sc*/ .dsdGYN .mobile-logo-wrapper .benzinga-logo{height:18.2px;width:134.35px;}/*!sc*/ .dsdGYN .mobile-logo-wrapper .benzinga-logo.reactive-holiday-logo{height:30px;}/*!sc*/ data-styled.g451[id="sc-bIOlYc"]{content:"dsdGYN,"}/*!sc*/ .jVXyhV{padding-top:49px;width:100%;}/*!sc*/ data-styled.g452[id="sc-jOcvlT"]{content:"jVXyhV,"}/*!sc*/ .eRPpbT.money-menu-wrap{position:relative;}/*!sc*/ .eRPpbT.money-menu-wrap .menu-icon-wrapper{display:flex;align-items:center;height:100%;}/*!sc*/ .eRPpbT.money-menu-wrap .menu-icon-wrapper .money-menu-toggle{display:flex;align-items:center;cursor:pointer;border:1px solid #395173;border-radius:6px;height:auto;padding:8px 14px 6px;color:#ffffff;}/*!sc*/ .eRPpbT.money-menu-wrap .menu-icon-wrapper .money-menu-toggle:hover{background:initial;color:#ffffff;}/*!sc*/ .eRPpbT.money-menu-wrap .menu-icon-wrapper .money-menu-toggle span{font-weight:600;display:inline-block;padding-right:18px;line-height:1;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items{position:absolute;z-index:99;right:0;min-width:370px;background-color:#f2f8ff;display:none;scrollbar-gutter:stable;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items.show{display:block;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap a{color:#192940;font-weight:bold;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .parent-menu-item{display:inline-block;width:160px;line-height:2.8em;border-right:1px solid #e1ebfa;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items{position:absolute;top:0;margin-left:calc(100% - 212px);border-left:1px solid #e1ebfa;display:none;overflow-y:auto;max-height:100%;scrollbar-gutter:stable;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items ::-webkit-scrollbar{width:6px;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items ::-webkit-scrollbar-track{background:#f1f1f1;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items ::-webkit-scrollbar-thumb{background:#888;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items ::-webkit-scrollbar-thumb:hover{background:#555;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap .sub-nav-items a{font-size:14px;font-weight:500;}/*!sc*/ .eRPpbT.money-menu-wrap .tertiary-menu-items .money-toggle-wrap:hover .sub-nav-items{display:block;}/*!sc*/ data-styled.g461[id="sc-geERIb"]{content:"eRPpbT,"}/*!sc*/ .gEISaf{display:flex;overflow-x:scroll;scrollbar-width:none;justify-content:flex-start;}/*!sc*/ .gEISaf ::-webkit-scrollbar{display:none;}/*!sc*/ .gEISaf li{flex-shrink:0;}/*!sc*/ .gEISaf li:nth-of-type(3),.gEISaf li:nth-of-type(4),.gEISaf li:nth-of-type(5),.gEISaf li:nth-of-type(6),.gEISaf li:nth-of-type(7),.gEISaf li:nth-of-type(8),.gEISaf li:nth-of-type(9),.gEISaf li:nth-of-type(10),.gEISaf li:nth-of-type(11),.gEISaf li:nth-of-type(12){display:none;}/*!sc*/ @media screen and (min-width: 850px){.gEISaf li:nth-of-type(3){display:initial;}}/*!sc*/ @media screen and (min-width: 900px){.gEISaf li:nth-of-type(4){display:initial;}}/*!sc*/ @media screen and (min-width: 950px){.gEISaf li:nth-of-type(5){display:initial;}}/*!sc*/ @media screen and (min-width: 1000px){.gEISaf li:nth-of-type(6){display:initial;}}/*!sc*/ @media screen and (min-width: 1100px){.gEISaf li:nth-of-type(7){display:initial;}}/*!sc*/ @media screen and (min-width: 1130px){.gEISaf li:nth-of-type(8){display:initial;}}/*!sc*/ @media screen and (min-width: 1190px){.gEISaf li:nth-of-type(9){display:initial;}}/*!sc*/ @media screen and (min-width: 1250px){.gEISaf li:nth-of-type(10){display:initial;}}/*!sc*/ @media screen and (min-width: 1315px){.gEISaf li:nth-of-type(11){display:initial;}}/*!sc*/ @media screen and (min-width: 1360px){.gEISaf li:nth-of-type(12){display:initial;}}/*!sc*/ data-styled.g462[id="sc-dVraiA"]{content:"gEISaf,"}/*!sc*/ .bmgYIh{display:block;position:unset;top:unset;width:unset;z-index:999;box-shadow:unset;}/*!sc*/ @media (max-width: 800px){.bmgYIh{display:none;}}/*!sc*/ .bmgYIh .breaking-news-banner{position:absolute;top:-50px;transition:all ease-in 0.5s;z-index:-1;}/*!sc*/ .bmgYIh .breaking-news-wrapper{position:relative;}/*!sc*/ .bmgYIh .breaking-news-wrapper--visible .breaking-news-banner{position:unset;top:0;}/*!sc*/ .bmgYIh .more-nav-tabs-icon-container{position:relative;display:flex;align-items:center;justify-content:center;margin-left:5px;margin-right:5px;cursor:pointer;}/*!sc*/ .bmgYIh .more-nav-tabs-icon-container:hover >div{display:flex;}/*!sc*/ @media screen and (min-width: 1315px){.bmgYIh .more-nav-tabs-icon-container{display:none!important;}}/*!sc*/ data-styled.g463[id="sc-eRxdlV"]{content:"bmgYIh,"}/*!sc*/ .kbqdPw{background-color:#ffffff;border-bottom:1px solid #B8CBE6;width:100%;padding:0;}/*!sc*/ data-styled.g464[id="sc-hsyYSS"]{content:"kbqdPw,"}/*!sc*/ .kRzVTm{height:48px;max-width:1400px;margin:0 auto;}/*!sc*/ data-styled.g465[id="sc-ioFbWn"]{content:"kRzVTm,"}/*!sc*/ .eOeggd{display:flex;position:relative;height:100%;justify-content:center;}/*!sc*/ data-styled.g468[id="sc-gChBCq"]{content:"eOeggd,"}/*!sc*/ .iGUFEr{flex-grow:1;margin-left:20px;}/*!sc*/ data-styled.g469[id="sc-hynEFL"]{content:"iGUFEr,"}/*!sc*/ .hyBoxX{display:inline-flex;align-items:center;justify-content:flex-end;height:48px;min-width:244px;}/*!sc*/ data-styled.g470[id="sc-MHjuz"]{content:"hyBoxX,"}/*!sc*/ .fIztZG.header-container .navbar-placeholder{height:132px;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar{background-color:#192940;border:none;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar .main-menu-wrapper{max-width:1300px;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar .main-menu-wrapper .menu-wrapper:hover{background-color:#151f2e;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar .logo-wrapper{width:260px;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar .menu-item-link{color:#ceddf2;}/*!sc*/ .fIztZG.header-container.money-app .main-menu-bar .menu-item-link:hover{background-color:transparent;}/*!sc*/ data-styled.g482[id="sc-dLtidy"]{content:"fIztZG,"}/*!sc*/ .cOSwkt{display:block;margin-bottom:0;}/*!sc*/ @media screen and (min-width: 800px){.cOSwkt{display:none;}}/*!sc*/ data-styled.g484[id="sc-deeVxw"]{content:"cOSwkt,"}/*!sc*/ .ghULXR{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .ghULXR:hover{color:#3b5998;}/*!sc*/ .ghULXR svg{fill:#ffffff;}/*!sc*/ .dqakkP{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .dqakkP:hover{color:#e1306c;}/*!sc*/ .dqakkP svg{fill:#ffffff;}/*!sc*/ .egcLNP{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .egcLNP:hover{color:#0072b1;}/*!sc*/ .egcLNP svg{fill:#ffffff;}/*!sc*/ .cdXrlP{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .cdXrlP:hover{color:#fe5000;}/*!sc*/ .cdXrlP svg{fill:#ffffff;}/*!sc*/ .cdVYxh{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .cdVYxh:hover{color:#000000;}/*!sc*/ .cdVYxh svg{fill:#ffffff;}/*!sc*/ .cLqTRx{display:flex;justify-content:center;align-items:center;width:40px;height:40px;border-radius:0.25rem;font-size:30px;color:#ffffff;-webkit-transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;transition:color 200ms cubic-bezier(0.25, 0.46, 0.45, 0.94),color 200ms ease;}/*!sc*/ .cLqTRx:hover{color:red;}/*!sc*/ .cLqTRx svg{fill:#ffffff;}/*!sc*/ data-styled.g485[id="sc-mPVAB"]{content:"ghULXR,dqakkP,egcLNP,cdXrlP,cdVYxh,cLqTRx,"}/*!sc*/ .cBNmvS.footer-row{display:grid;grid-auto-flow:column;grid-gap:20px;width:100%;padding-top:0.5rem;padding-bottom:2rem;padding-left:1rem;padding-right:1rem;margin-left:auto;margin-right:auto;}/*!sc*/ @media screen and (min-width: 480px){.cBNmvS.footer-row{max-width:480px;}}/*!sc*/ @media screen and (min-width: 768px){.cBNmvS.footer-row{padding-left:4rem;padding-right:4rem;max-width:100%;grid-gap:30px;}}/*!sc*/ @media screen and (max-width: 1000px){.cBNmvS.footer-row{grid-auto-flow:row;grid-template-columns:repeat(auto-fill, minmax(200px, 1fr));}}/*!sc*/ data-styled.g486[id="sc-hrmvde"]{content:"cBNmvS,"}/*!sc*/ .jBaafR{display:flex;flex-direction:column;text-align:left;}/*!sc*/ .jBaafR h3{display:flex;color:#ffffff;font-size:18px;font-weight:600;margin:0;}/*!sc*/ @media screen and (min-width: 480px){.jBaafR h3{margin-top:0;}}/*!sc*/ @media screen and (min-width: 768px){.jBaafR h3{font-size:16px;margin-top:2rem;}}/*!sc*/ .jBaafR ul{list-style:none;padding:0;}/*!sc*/ .jBaafR ul li{font-size:16px;}/*!sc*/ @media screen and (min-width: 768px){.jBaafR ul li{font-size:14px;}}/*!sc*/ .jBaafR ul li >a{color:#CEDDF2;}/*!sc*/ .jBaafR ul li >a:hover{color:#ffffff;}/*!sc*/ data-styled.g487[id="sc-ezXvgj"]{content:"jBaafR,"}/*!sc*/ .EDDPz.qa-container{display:flex;flex-direction:column;width:100%;padding:0.5rem;border-bottom:1px solid #c3ddfd;}/*!sc*/ .EDDPz.qa-container .question{font-size:16px;}/*!sc*/ @media screen and (min-width: 600px){.EDDPz.qa-container .question{font-size:18px;}}/*!sc*/ .EDDPz.qa-container >div{display:flex;align-items:baseline;}/*!sc*/ .EDDPz.qa-container >div .qa-letter-icon{color:#3f83f8;font-weight:700;background-color:#e1effe;border-radius:0.25rem;display:flex;justify-content:center;align-items:center;width:2rem;height:2rem;min-width:2rem;margin-right:1rem;margin-top:0.25rem;margin-bottom:0.25rem;float:left;}/*!sc*/ .EDDPz.qa-container >div .answer-container p{margin-bottom:0!important;}/*!sc*/ @media screen and (max-width: 600px){.EDDPz.qa-container{border:none;border-bottom:1px solid #e1ebfa;max-width:100%;}.EDDPz.qa-container:nth-of-type(odd){padding-left:0.5rem;}}/*!sc*/ data-styled.g551[id="sc-eAQwYs"]{content:"EDDPz,"}/*!sc*/ .erouxN h2{margin-bottom:6px;}/*!sc*/ data-styled.g552[id="sc-kyeWiB"]{content:"erouxN,"}/*!sc*/ .eflFza{border:solid 1px #c3ddfd;border-radius:4px;background:white;}/*!sc*/ .eflFza .qa-container:last-of-type{border-bottom:none;}/*!sc*/ .eflFza h2{font-weight:700;font-size:18px;line-height:1.75rem;margin-left:0.5rem;margin-top:0.5rem;text-transform:uppercase;}/*!sc*/ data-styled.g553[id="sc-iAMrAa"]{content:"eflFza,"}/*!sc*/ .jEYIam{margin-bottom:10px;}/*!sc*/ .jEYIam .breadcrumb:last-of-type span{color:#ffffff;}/*!sc*/ data-styled.g896[id="sc-jiwESV"]{content:"jEYIam,"}/*!sc*/ .jCVhd .block{margin:1rem 0;}/*!sc*/ .jCVhd .block:first-of-type{margin-top:0;}/*!sc*/ .jCVhd .block:last-of-type{margin-bottom:0;}/*!sc*/ .jCVhd .right{float:right;margin-left:0.5rem;}/*!sc*/ .jCVhd .left{float:left;margin-right:0.5rem;}/*!sc*/ .jCVhd .center{text-align:center;margin:auto;}/*!sc*/ .jCVhd .center >figure,.jCVhd .center >img,.jCVhd .center >div{margin:auto;}/*!sc*/ .jCVhd h1.core-block,.jCVhd h2.core-block{margin-top:2rem;margin-bottom:1rem;}/*!sc*/ .jCVhd h1.core-block{font-size:36px;}/*!sc*/ .jCVhd h2.core-block{font-size:30px;color:#395173;}/*!sc*/ .jCVhd h3.core-block{font-size:24px;margin:1rem 0px 0.5rem 0px;}/*!sc*/ .jCVhd h4.core-block{margin:1rem 0px 0.5rem 0px;}/*!sc*/ .jCVhd ul.core-block{list-style:disc;margin-left:2rem;margin-bottom:2rem;}/*!sc*/ .jCVhd ul.core-block ul,.jCVhd ul.core-block ol{margin-bottom:0;}/*!sc*/ .jCVhd ol.core-block{list-style:decimal;margin-left:2rem;margin-bottom:2rem;}/*!sc*/ .jCVhd ol.core-block li{margin-bottom:0.2rem;}/*!sc*/ .jCVhd ol.core-block ul,.jCVhd ol.core-block ol{margin-bottom:0;}/*!sc*/ .jCVhd .wp-block-spacer{clear:both;}/*!sc*/ .jCVhd p.core-block{font-size:1.1rem;}/*!sc*/ .jCVhd .core-block a{color:#2ca2d1;}/*!sc*/ .jCVhd .alignright{float:right;margin-left:18px;}/*!sc*/ .jCVhd .image-wrapper{margin-bottom:1rem;}/*!sc*/ .jCVhd .wp-block-table{overflow-x:auto;}/*!sc*/ .jCVhd .wp-element-caption{border-bottom:1px solid #d6d6d6;border-top:1px solid #d6d6d6;background-color:#f4f4f4;font-size:14px;text-align:center;margin-top:-1rem;margin-bottom:1rem;}/*!sc*/ .jCVhd table.core-block,.jCVhd figure.core-block table,.jCVhd figure.wp-block-table table{width:100%;}/*!sc*/ .jCVhd table.core-block th,.jCVhd figure.core-block table th,.jCVhd figure.wp-block-table table th{background-color:#3f83f8;color:#ffffff;padding:4px 8px;font-size:14px;}/*!sc*/ .jCVhd table.core-block tbody thead tr th,.jCVhd figure.core-block table tbody thead tr th,.jCVhd figure.wp-block-table table tbody thead tr th,.jCVhd table.core-block tbody >tr:first-of-type th,.jCVhd figure.core-block table tbody >tr:first-of-type th,.jCVhd figure.wp-block-table table tbody >tr:first-of-type th{padding:4px 8px;font-size:14px;font-weight:600;}/*!sc*/ .jCVhd table.core-block tbody tr:nth-child(even),.jCVhd figure.core-block table tbody tr:nth-child(even),.jCVhd figure.wp-block-table table tbody tr:nth-child(even){background:#f9f9f9;}/*!sc*/ .jCVhd table.core-block tbody td,.jCVhd figure.core-block table tbody td,.jCVhd figure.wp-block-table table tbody td{padding:4px 8px;}/*!sc*/ .jCVhd .blocks-gallery-grid,.jCVhd .wp-block-gallery{display:flex;flex-wrap:wrap;list-style-type:none;padding:0;margin:0;}/*!sc*/ .jCVhd .blocks-gallery-grid .blocks-gallery-item,.jCVhd .wp-block-gallery .blocks-gallery-item{margin:0 1em 1em 0;display:flex;flex-grow:1;flex-direction:column;justify-content:center;position:relative;width:calc(50% - 1em);}/*!sc*/ .jCVhd .blocks-gallery-grid .blocks-gallery-item img,.jCVhd .wp-block-gallery .blocks-gallery-item img{display:block;max-width:100%;}/*!sc*/ .jCVhd .blocks-gallery-grid .blocks-gallery-item figure,.jCVhd .wp-block-gallery .blocks-gallery-item figure{display:flex;align-items:flex-end;justify-content:flex-start;}/*!sc*/ @media (min-width: 600px){.jCVhd .blocks-gallery-grid.columns-3 .blocks-gallery-grid .blocks-gallery-item,.jCVhd .wp-block-gallery.columns-3 .blocks-gallery-grid .blocks-gallery-item{width:calc(32% - 0.66667em);margin-right:1em;}}/*!sc*/ .jCVhd .wp-block-quote{padding:0 1em;margin:0px 0px 2rem;line-height:1.6;color:#2d2d2d;border-left:2px solid #1e429f;font-style:italic;}/*!sc*/ .jCVhd >div >img,.jCVhd >div >figure{max-width:100%;}/*!sc*/ .jCVhd >div >table,.jCVhd >div >figure table,.jCVhd >div .core-block-table-wrapper table{margin:1rem 0;width:100%;max-width:100%;}/*!sc*/ .jCVhd >div >table th,.jCVhd >div >figure table th,.jCVhd >div .core-block-table-wrapper table th{background-color:#3f83f8;color:#ffffff;padding:4px 8px;text-align:left;}/*!sc*/ .jCVhd >div >table tbody thead tr th,.jCVhd >div >figure table tbody thead tr th,.jCVhd >div .core-block-table-wrapper table tbody thead tr th,.jCVhd >div >table tbody >tr:first-of-type th,.jCVhd >div >figure table tbody >tr:first-of-type th,.jCVhd >div .core-block-table-wrapper table tbody >tr:first-of-type th{padding:4px 8px;font-size:14px;}/*!sc*/ .jCVhd >div >table tbody tr:nth-child(even),.jCVhd >div >figure table tbody tr:nth-child(even),.jCVhd >div .core-block-table-wrapper table tbody tr:nth-child(even){background:#f9f9f9;}/*!sc*/ .jCVhd >div >table tbody td,.jCVhd >div >figure table tbody td,.jCVhd >div .core-block-table-wrapper table tbody td{padding:4px 8px;font-size:14px;}/*!sc*/ .jCVhd >div >h1,.jCVhd >div >h2{margin-top:2rem;margin-bottom:1rem;}/*!sc*/ .jCVhd >div >h1{font-size:36px;}/*!sc*/ .jCVhd >div >h2{font-size:30px;color:#395173;}/*!sc*/ .jCVhd >div >h3{font-size:24px;margin:1rem 0px 0.5rem 0px;}/*!sc*/ .jCVhd >div >h4{margin:1rem 0px 0.5rem 0px;}/*!sc*/ .jCVhd >div >ul{list-style:disc;margin-left:2rem;margin-bottom:2rem;}/*!sc*/ .jCVhd >div >ol{list-style:decimal;margin-left:2rem;margin-bottom:2rem;}/*!sc*/ .jCVhd >div >ol li{margin-bottom:0.2rem;}/*!sc*/ .jCVhd >div >p{font-size:1.1rem;}/*!sc*/ .jCVhd >div a{color:#2ca2d1;}/*!sc*/ .jCVhd .bz-campaign hr{background:#5294c1;border:0;height:1px;margin-bottom:26px;padding:0;}/*!sc*/ data-styled.g1308[id="sc-hJOGhH"]{content:"jCVhd,"}/*!sc*/ .eLDBRf{background-color:#F2F8FF;background-color:#151F2E;color:#F2F8FF;border-bottom:1px solid #E1EBFA;border-bottom:none;padding:20px 0;}/*!sc*/ .eLDBRf .page-intro{font-size:14px;white-space:pre-line;}/*!sc*/ @media (min-width: 1300px){.eLDBRf .header-container{padding:0;}}/*!sc*/ .eLDBRf .money-product-card{margin-top:1rem;}/*!sc*/ .eLDBRf .money-product-card .single-item-view{display:none;}/*!sc*/ .eLDBRf >div{display:flex;justify-content:space-between;}/*!sc*/ .eLDBRf .affiliate-disclosure{margin-top:0.5rem;margin-bottom:0;color:#5B7292;font-size:14px;}/*!sc*/ .eLDBRf .affiliate-disclosure:before{content:'Over 1,000,000 people have trusted Benzinga to help them choose their investing tools. Our experts are hard at work with constant updates as products & markets change! Benzinga Money is a reader-supported publication. We may earn a commission from the advertisers associated with this article.';}/*!sc*/ .eLDBRf .page-header-info{width:100%;max-width:640px;margin-right:0.5rem;}/*!sc*/ .eLDBRf .page-header-info h1{font-size:1.8rem;margin-bottom:0;color:#F2F8FF;}/*!sc*/ .eLDBRf .page-header-info p{color:#5B7292;color:#99AECC;font-size:14px;margin-bottom:0;}/*!sc*/ .eLDBRf .page-header-info .learn-more-link{font-size:14px;color:#3f83f8;color:#3F83F8;}/*!sc*/ .contributor-block-container{max-width:20rem;width:100%;margin-top:1rem;}/*!sc*/ .contributor-block{display:flex;flex-direction:column;width:100%;min-width:320px;border:1px solid #B8CBE6;border:1px solid #395173;background-color:#E1EBFA;background-color:transparent;padding:1rem;border-radius:4px;}/*!sc*/ .contributor-block .author{color:#17253A;text-transform:uppercase;font-size:18px;font-weight:600;}/*!sc*/ .contributor-block .author a{color:#F2F8FF;}/*!sc*/ .contributor-block .author-description{color:#6b7280;color:#5B7292;font-size:14px;}/*!sc*/ .contributor-block .verified-by,.contributor-block .edited-by{color:#6b7280;font-size:14px;}/*!sc*/ .contributor-block .date{color:#5b7292;color:#E1EBFA;font-size:14px;}/*!sc*/ .contributor-block .date.updated{font-style:italic;margin-right:2px;}/*!sc*/ .contributor-block .date.updated >span{color:#99AECC;}/*!sc*/ data-styled.g1312[id="sc-kyTtQj"]{content:"eLDBRf,"}/*!sc*/ @media (max-width: 800px){.dvxYqy .layout-sidebar{width:100%;padding:0 0.75rem;}}/*!sc*/ @media screen and (min-width: 1120px){.dvxYqy .layout-left-sidebar{display:block;margin-right:1rem;}}/*!sc*/ data-styled.g1313[id="sc-bHIfKj"]{content:"dvxYqy,"}/*!sc*/ .bdmSbg.narrow .header-container,.bdmSbg.narrow .layout-container{max-width:1100px;}/*!sc*/ .bdmSbg .main-content-container{padding-left:0;padding-right:0;}/*!sc*/ .bdmSbg .layout-footer .layout-container{max-width:1100px;}/*!sc*/ .bdmSbg .money-page-main{position:relative;width:100%;}/*!sc*/ @media (max-width: 1119px){.bdmSbg .money-page-main{padding:0 0.75rem;}}/*!sc*/ .bdmSbg .money-page-main .money-post-wrapper{width:100%;}/*!sc*/ .bdmSbg h1.section-title,.bdmSbg h2.section-title,.bdmSbg h3.section-title,.bdmSbg h4.section-title,.bdmSbg h5.section-title,.bdmSbg h6.section-title{margin-top:2rem;margin-bottom:1rem;}/*!sc*/ .bdmSbg .cornerstone-navigation{display:block;width:100%;border:1px solid #ceddf2;border-radius:4px;padding:0;}/*!sc*/ data-styled.g1319[id="sc-fhowam"]{content:"bdmSbg,"}/*!sc*/ .eXnPuT{margin-bottom:1em;}/*!sc*/ .eXnPuT.bz3_border_box_container{width:100%;border:1px solid #ceddf2;border-radius:4px;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper{padding:0;width:100%;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title{background:#e1ebfa;padding:10px;cursor:pointer;font-size:16px;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title h4{font-family:sans-serif;margin:0;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title h4 span{font-weight:100;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title h4 span a{font-weight:700;color:#2ca2d1;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title h4 span a:hover{color:#07729c;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_title .icon-wrap svg{color:#99aecc;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul{list-style:none;margin:0;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul li{padding:6px 10px 6px 30px;border-bottom:1px solid #ceddf2;position:relative;font-size:14px;font-weight:400;color:#2ca2d1;opacity:1;transition:0.6s;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul li::before{content:'• ';font-size:23px;line-height:1;top:50%;left:1%;position:absolute;transform:translateY(-50%);}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul li.see-all{cursor:pointer;font-weight:600;padding-left:12px;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul li.see-all::before{display:none;}/*!sc*/ .eXnPuT.bz3_border_box_container .bz3_border_box_wrapper .bz3_table_content_list ul li a:hover{color:#07729c;}/*!sc*/ data-styled.g1355[id="sc-ftuRJG"]{content:"eXnPuT,"}/*!sc*/ .eZtxaL{margin:1rem auto;}/*!sc*/ data-styled.g1357[id="sc-hTKOPA"]{content:"eZtxaL,"}/*!sc*/ .gfPTAN{display:block;border-color:#ceddf2;}/*!sc*/ data-styled.g1358[id="sc-bvBKaP"]{content:"gfPTAN,"}/*!sc*/ </style></head><body><div id="__next"><div class="sc-dLtidy fIztZG header-container money-app"><div class="sc-deeVxw cOSwkt mobile-header-wrapper"><div class="sc-jOcvlT jVXyhV"><div class="sc-bIOlYc dsdGYN mobile-header-wrapper" id="navigation-header"><div class="left-0 right-0 top-0 z-[9999999]" id="mobile-main-block"><div class="mobile-header flex items-center justify-between relative" style="transition:all linear 0.3s;z-index:20"><div class="menu-icon-wrapper"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M0 80c0-8.8 7.2-16 16-16H432c8.8 0 16 7.2 16 16s-7.2 16-16 16H16C7.2 96 0 88.8 0 80zM0 240c0-8.8 7.2-16 16-16H432c8.8 0 16 7.2 16 16s-7.2 16-16 16H16c-8.8 0-16-7.2-16-16zM448 400c0 8.8-7.2 16-16 16H16c-8.8 0-16-7.2-16-16s7.2-16 16-16H432c8.8 0 16 7.2 16 16z" fill="currentColor"></path></svg></div></div><div class="sc-iZpKJA cFgqQD logo-wrapper mobile-logo-wrapper"><a aria-label="Click to go home" href="/"><span class="sc-gopctv lasYKN benzinga-logo light mobile"><svg height="100%" role="img" viewBox="0 0 471.1 63.8" width="100%" xmlns="http://www.w3.org/2000/svg"><path d="M67.7 63.8h45.2V51.9H81.4V37.3h26.1V25.4H81.4V11.9h31.7V0H67.7zm99.6-23.6L137.7 0h-20.4l6.4 8.1V64h13.6V22.1l30.6 41.7H181V0h-13.7zM47.1 31c6-1.1 11-6.7 11-14.6C58.1 7.9 51.9 0 39.6 0H0l6.2 7.9v56H41c12.3 0 18.7-7.7 18.7-17.3-.3-7.9-5.7-14.7-12.6-15.6zM19.8 12h17.1c4.6 0 7.5 2.7 7.5 6.7s-2.9 6.7-7.5 6.7H19.8V12zm17.7 40H19.8V37.3h17.7c5.2 0 8.1 3.3 8.1 7.3 0 4.6-3.1 7.3-8.1 7.4zm343.3-11.8h7.1v7.5c-3.7 3-8.3 4.7-13.1 4.8-11.4 0-19.4-8.7-19.4-20.4s8.1-20.4 19.4-20.4c5.9 0 11.4 3.1 14.6 8.1l10.8-6C395.6 6.5 387.5 0 374.7 0c-18.1 0-33.1 12.5-33.1 31.9s14.8 31.9 33.1 31.9c10 .2 19.5-4.1 26.1-11.5V28.7h-29.2l9.2 11.5zm-61.5 0L289.6 0h-20.3l6.3 8.1V64h13.7V22.1l30.6 41.7h13V0h-13.6zM446 0h-26.3l6.3 8.1-1.1 3.1L404.5 64h15.4l4-10.8h27.5l4 10.8h15.4L446 0zm-18.6 41.2l10-27.5 10 27.5h-20zM247.7 0h13.7v64.1h-13.7zm-10.9 11V0h-48.1v11.9h30.2l-30.2 41v10.9h48.6V51.9h-30.9z" fill="#FFFFFF"></path></svg></span></a></div><div class="flex h-12 items-center text-blue-300"><div class="sc-fAUVGl hFvgQY account-menu menu-wrapper"><button class="menu-button"><span role="img" aria-label="user" class="anticon anticon-user"><svg viewBox="64 64 896 896" focusable="false" data-icon="user" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M858.5 763.6a374 374 0 00-80.6-119.5 375.63 375.63 0 00-119.5-80.6c-.4-.2-.8-.3-1.2-.5C719.5 518 760 444.7 760 362c0-137-111-248-248-248S264 225 264 362c0 82.7 40.5 156 102.8 201.1-.4.2-.8.3-1.2.5-44.8 18.9-85 46-119.5 80.6a375.63 375.63 0 00-80.6 119.5A371.7 371.7 0 00136 901.8a8 8 0 008 8.2h60c4.4 0 7.9-3.5 8-7.8 2-77.2 33-149.5 87.8-204.3 56.7-56.7 132-87.9 212.2-87.9s155.5 31.2 212.2 87.9C779 752.7 810 825 812 902.2c.1 4.4 3.6 7.8 8 7.8h60a8 8 0 008-8.2c-1-47.8-10.9-94.3-29.5-138.2zM512 534c-45.9 0-89.1-17.9-121.6-50.4S340 407.9 340 362c0-45.9 17.9-89.1 50.4-121.6S466.1 190 512 190s89.1 17.9 121.6 50.4S684 316.1 684 362c0 45.9-17.9 89.1-50.4 121.6S557.9 534 512 534z"></path></svg></span><span class="my-account-text">My Account</span><span role="img" aria-label="down" class="anticon anticon-down"><svg viewBox="64 64 896 896" focusable="false" data-icon="down" width="1em" height="1em" fill="currentColor" aria-hidden="true"><path d="M884 256h-75c-5.1 0-9.9 2.5-12.9 6.6L512 654.2 227.9 262.6c-3-4.1-7.8-6.6-12.9-6.6h-75c-6.5 0-10.3 7.4-6.5 12.7l352.6 486.1c12.8 17.6 39 17.6 51.7 0l352.6-486.1c3.9-5.3.1-12.7-6.4-12.7z"></path></svg></span></button><div class="account-menu-dropdown"><div class="account-menu-item"><span><a href="/account">My Account</a></span></div><div class="account-menu-item"><a href="https://www.benzinga.com/profile/portfolio/?action=notifications">Notifications</a></div><div class="account-menu-item"><a href="https://www.benzinga.com/profile/portfolio">Overview</a></div><div class="account-menu-item"><a href="https://www.benzinga.com/profile/portfolio/?action=new_watchlist">+ New Watchlist</a></div><hr class="divider"/><div class="account-menu-item benzinga-edge"><a href="https://www.benzinga.com/profile/portfolio">Benzinga Edge</a></div><div class="account-menu-item benzinga-plus"><a href="https://www.benzinga.com/research">Benzinga Research</a></div><div class="account-menu-item benzinga-pro"><a href="https://pro.benzinga.com">Benzinga Pro</a></div><hr class="divider"/><div class="account-menu-item"><a href="https://www.benzinga.com/profile/portfolio/?action=login">Log In</a></div></div></div></div></div></div></div></div></div><div class="sc-eRxdlV bmgYIh desktop-menu-wrapper" id="navigation-header"><div class="sc-hsyYSS kbqdPw main-menu-bar"><div class="sc-ioFbWn kRzVTm main-menu-wrapper"><div class="sc-gChBCq eOeggd bar-content-layout"><div class="sc-iZpKJA cFgqQD logo-wrapper mobile-logo-wrapper"><a aria-label="Click to go home" href="/"><span class="sc-gopctv lasYKN benzinga-logo light desktop"><svg height="100%" role="img" viewBox="0 0 471.1 63.8" width="100%" xmlns="http://www.w3.org/2000/svg"><path d="M67.7 63.8h45.2V51.9H81.4V37.3h26.1V25.4H81.4V11.9h31.7V0H67.7zm99.6-23.6L137.7 0h-20.4l6.4 8.1V64h13.6V22.1l30.6 41.7H181V0h-13.7zM47.1 31c6-1.1 11-6.7 11-14.6C58.1 7.9 51.9 0 39.6 0H0l6.2 7.9v56H41c12.3 0 18.7-7.7 18.7-17.3-.3-7.9-5.7-14.7-12.6-15.6zM19.8 12h17.1c4.6 0 7.5 2.7 7.5 6.7s-2.9 6.7-7.5 6.7H19.8V12zm17.7 40H19.8V37.3h17.7c5.2 0 8.1 3.3 8.1 7.3 0 4.6-3.1 7.3-8.1 7.4zm343.3-11.8h7.1v7.5c-3.7 3-8.3 4.7-13.1 4.8-11.4 0-19.4-8.7-19.4-20.4s8.1-20.4 19.4-20.4c5.9 0 11.4 3.1 14.6 8.1l10.8-6C395.6 6.5 387.5 0 374.7 0c-18.1 0-33.1 12.5-33.1 31.9s14.8 31.9 33.1 31.9c10 .2 19.5-4.1 26.1-11.5V28.7h-29.2l9.2 11.5zm-61.5 0L289.6 0h-20.3l6.3 8.1V64h13.7V22.1l30.6 41.7h13V0h-13.6zM446 0h-26.3l6.3 8.1-1.1 3.1L404.5 64h15.4l4-10.8h27.5l4 10.8h15.4L446 0zm-18.6 41.2l10-27.5 10 27.5h-20zM247.7 0h13.7v64.1h-13.7zm-10.9 11V0h-48.1v11.9h30.2l-30.2 41v10.9h48.6V51.9h-30.9z" fill="#FFFFFF"></path></svg></span></a><a aria-label="Click to go to Benzinga Money" href="/money"><div class="sc-eEpesX bRasV"><span>money</span></div></a></div><div class="sc-hynEFL iGUFEr primary-menu-wrapper"><ul class="sc-dVraiA gEISaf menu-item-container"><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/personal-finance" style="min-width:fit-content" title="Personal Finance">Personal Finance </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-financial-advisors" title="Financial Advisors">Financial Advisors</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/credit-cards" title="Credit Cards">Credit Cards</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/personal-finance/taxes" title="Taxes">Taxes</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/retirement" title="Retirement">Retirement</a></div></div></div></div></div></div></li><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/insurance" style="min-width:fit-content" title="Insurance">Insurance </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/auto-insurance" title="Auto">Auto</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/vision-insurance" title="Vision">Vision</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/life-insurance" title="Life">Life</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/dental-insurance" title="Dental">Dental</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/insurance/health-insurance" title="Health">Health</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/insurance/medicare" title="Medicare">Medicare</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/home-insurance" title="Home">Home</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/life-insurance" title="Life">Life</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/business-insurance" title="Business">Business</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/insurance/pet-insurance" title="Pet">Pet</a></div></div></div></div></div></div></li><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/investing" style="min-width:fit-content" title="Investing">Investing </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/stocks" title="Stocks">Stocks</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-stocks" title="How to Buy Stocks">How to Buy Stocks</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-stock-brokers-in-the-us" title="Best Stock Brokers">Best Stock Brokers</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-get-free-stocks-august-2024" title="How to Get Free Stocks">How to Get Free Stocks</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-stocks-on-an-iphone" title="How to Buy Stocks on an iPhone">How to Buy Stocks on an iPhone</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-stock-brokers-for-beginners" title="Best Stock Brokers for Beginners">Best Stock Brokers for Beginners</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/options" title="Options">Options</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-trade-options" title="How to Trade Options">How to Trade Options</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-put-options" title="How to Buy Put Options">How to Buy Put Options</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-brokers-for-options-traders" title="Best Brokers for Options Trading">Best Brokers for Options Trading</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/etfs" title="ETFs">ETFs</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-do-etfs-work" title="How Do ETFs Work?">How Do ETFs Work?</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-etf" title="How to Invest in ETFs">How to Invest in ETFs</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-brokers-for-etfs" title="Best Brokers for ETFs">Best Brokers for ETFs</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/mutual-funds" title="Mutual Funds">Mutual Funds</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/futures" title="Futures">Futures</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/futures-investing-for-beginners-qa" title="How to Trade Futures">How to Trade Futures</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-apps-for-trading-futures" title="Best Apps for Trading Futures">Best Apps for Trading Futures</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-futures-trading-platforms" title="Best Futures Trading Platforms">Best Futures Trading Platforms</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/ipos" title="IPOs">IPOs</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/bonds" title="Bonds">Bonds</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-trade-bonds" title="How to Trade Bonds">How to Trade Bonds</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/what-are-municipal-bonds" title="What Are Municipal Bonds?">What Are Municipal Bonds?</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-municipal-bonds" title="How to Buy Municipal Bonds">How to Buy Municipal Bonds</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-online-brokers-for-bonds" title="Best Brokers for Bonds">Best Brokers for Bonds</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/index-funds" title="Index Funds">Index Funds</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/forex" title="Forex">Forex</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-forex-brokers-for-us-clients" title="Best Forex Brokers">Best Forex Brokers</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-prop-trading-firms" title="Prop Trading">Prop Trading</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/compare-online-brokers" title="Brokerage Reviews">Brokerage Reviews</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/webull-review" title="Webull Review">Webull Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/moomoo-review" title="Moomoo Review">Moomoo Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/edgeclear-review" title="EdgeClear Review">EdgeClear Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/robinhood-review" title="Robinhood Review">Robinhood Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/ninjatrader-review" title="NinjaTrader Review">NinjaTrader Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/interactive-brokers-review" title="Interactive Brokers Review">Interactive Brokers Review</a></div></div></div></div></div></div></div></div></div></div></li><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/alternative-investing" style="min-width:fit-content" title="Alternative Investing">Alternative Investing </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/real-estate-investing" title="Real Estate">Real Estate</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/alternative-investments/startups" title="Startups">Startups</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="http://www.benzinga.com/money/collectibles-investing" title="Collectibles">Collectibles</a></div></div></div></div></div></div></li><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/mortgages" style="min-width:fit-content" title="Mortgage">Mortgage </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/compare-current-mortgage-rates" title="Rates">Rates</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/mortgage-calculator" title="Calculator">Calculator</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/search-for-mortgage-lenders" title="Reviews">Reviews</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-mortgage-lenders" title="Purchase">Purchase</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-refinance-mortgage" title="Refinance">Refinance</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/mortgage-lenders-for-self-employed" title="Self-Employed">Self-Employed</a></div></div></div></div></div></div></li><li><div class="sc-feyBlq hWHOXW menu-wrapper primary"><a class="sc-dkXDdO bvQXBL menu-item-link initial" data-action="Navigation Main Menu Click" href="/money/crypto" style="min-width:fit-content" title="Cryptocurrency">Cryptocurrency </a><div class="sc-cnjBov dhstaH sub-nav-wrapper subnav has-groups money-app"><div class="sc-jpxLhJ ktojYH sub-group-wrapper"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-trade-cryptocurrency" title="How to Get Crypto">How to Get Crypto</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/markets/cryptocurrency/get-free-cryptocurrency-right-now-1" title="Free Bitcoin">Free Bitcoin</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-cryptocurrencies" title="How to Buy Crypto">How to Buy Crypto</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-bitcoin-btc-best-bonuses-august-2024" title="How to Buy Bitcoin">How to Buy Bitcoin</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/how-to-buy-bitcoin-with-a-credit-card" title="How to Buy Bitcoin with a Credit Card">How to Buy Bitcoin with a Credit Card</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-crypto-wallet" title="Crypto Wallets">Crypto Wallets</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/top-10-cryptocurrencies" title="Best Crypto to Invest In">Best Crypto to Invest In</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/ripple-xrp-price-prediction" title="Ripple Price Prediction">Ripple Price Prediction</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/stellar-xlm-price-prediction" title="Stellar Price Prediction">Stellar Price Prediction</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/shiba-inu-price-prediction" title="Shiba Inu Price Prediction">Shiba Inu Price Prediction</a></div></div></div></div></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/best-cryptocurrency-brokers" title="Crypto Exchange Reviews">Crypto Exchange Reviews</a><span class="more-nav-menu"><div class="arrow-right-icon"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 320 512" xmlns="http://www.w3.org/2000/svg"><path d="M273 239c9.4 9.4 9.4 24.6 0 33.9L113 433c-9.4 9.4-24.6 9.4-33.9 0s-9.4-24.6 0-33.9l143-143L79 113c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0L273 239z" fill="currentColor"></path></svg></div></span><div class="third-level-menu"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/gemini-review" title="Gemini Review">Gemini Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/kraken-review" title="Kraken Review">Kraken Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/coinbase-review" title="Coinbase Review">Coinbase Review</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/3commas-review" title="3Commas Review">3Commas Review</a></div></div></div></div></div></div></div></div></div></div></li></ul></div><div class="sc-MHjuz hyBoxX secondary-menu-wrapper"><div class="sc-geERIb eRPpbT money-menu-wrap"><div class="menu-icon-wrapper"><div class="money-menu-toggle"><span>Menu</span><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M0 80c0-8.8 7.2-16 16-16H432c8.8 0 16 7.2 16 16s-7.2 16-16 16H16C7.2 96 0 88.8 0 80zM0 240c0-8.8 7.2-16 16-16H432c8.8 0 16 7.2 16 16s-7.2 16-16 16H16c-8.8 0-16-7.2-16-16zM448 400c0 8.8-7.2 16-16 16H16c-8.8 0-16-7.2-16-16s7.2-16 16-16H432c8.8 0 16 7.2 16 16z" fill="currentColor"></path></svg></div></div></div><div class="tertiary-menu-items "><div class="money-toggle-wrap"><a class="sc-dkXDdO bvQXBL parent-menu-item" data-action="Navigation Main Menu Click" href="/money/education" title="Education">Education</a><div class="sub-nav-items"><div class="menu-items"><div class="sc-jWMAQs havMFh menu-item-wrapper"><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/education/technology-courses" title="Technology Courses">Technology Courses</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/education/investing-courses" title="Investing Courses">Investing Courses</a></div><div class="sc-hfxATx fTlfHo dropdown-menu-item"><a data-action="Navigation Sub-Menu Click" href="/money/education/business-courses" title="Business Courses">Business Courses</a></div></div></div></div></div><div class="money-toggle-wrap"><a class="sc-dkXDdO bvQXBL parent-menu-item" data-action="Navigation Main Menu Click" href="/money/saas" title="B2B">B2B</a></div><div class="money-toggle-wrap"><a class="sc-dkXDdO bvQXBL parent-menu-item" data-action="Navigation Main Menu Click" href="/free-newsletters" title="Newsletters">Newsletters</a></div></div></div></div></div></div></div></div></div><div class="sc-fhowam bdmSbg font-manrope narrow"><div class="sc-kyTtQj eLDBRf money-page-header"><div class="header-container mx-auto container max-w-7xl px-4 flex-col md:flex-row items-cetner"><div class="sc-jiwESV jEYIam breadcrumb-items-container"><div class="sc-cbDaos gXOpzD breadcrumbs-container money-app" role="navigation"><div class="sc-iVheDh MhXxJ breadcrumb"><a aria-label="Navigate to Personal Finance" href="/money/personal-finance">Personal Finance</a></div><span class="breadcrumb-separator">/</span><div class="sc-iVheDh MhXxJ breadcrumb"><span>Do I Need a Financial Advisor?</span></div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"><div class="page-header-info"><h1>Do I Need a Financial Advisor?</h1><p class="affiliate-disclosure"></p><a class="learn-more-link" href="https://www.benzinga.com/money/advertiser-disclosure/">Read our Advertiser Disclosure.</a></div><div class="contributor-block-container"><div class="contributor-block"><div class="author"><a href="https://www.benzinga.com/money/author/alison-plaut">Alison Plaut</a></div><div class="author-description">Contributor, Benzinga</div><div class="date">August 14, 2023</div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"></div></div><div class="sc-bHIfKj dvxYqy"><div class="sc-hiTDLB jzsSFa"><div class="sc-ejCKsa cApKXp layout-content-container lg:px-0 mx-auto px-4 layout-container max-w-7xl"><div class="main-content-container layout-container mx-auto"><div class="layout-flex flex flex-col w-full items-start relative"><div class="layout-main flex flex-grow flex-col justify-between"><main class="money-page-main"><div class="sc-iCWdMM cmLZFc money-post-wrapper"><div class="sc-hJOGhH jCVhd money-blocks-wrapper"><p class="block core-block">Navigating complex financial situations, from major life events to business ownership, may require extra support. Even investing can seem overwhelming for many people. Financial advisors are professionals specialized in helping you create financial plans that optimize tax savings, manage debt, and build a strong financial future. Just as you need a doctor for medical issues, a financial advisor has specialized expertise you can rely on for financial situations. Read on to answer, "Do I need a financial advisor?" for your situation. </p><div class="placeholder-block-wrapper"><div style="display:inline"> <div id="smartadvisor-captivate-funnel" data-config="https://captivate.smartasset.com/latest/config.json" data-options="progressBar" data-utms="utm_source=benzinga&utm_campaign=apisnippet&utm_content=primary"></div><script src="https://captivate.smartasset.com/latest/smartadvisor.js"></script> </div></div><div class="sc-ftuRJG eXnPuT bz3_border_box_container table"><div class="bz3_border_box_wrapper p-4 w-auto bg-white"><div class="bz3_table_content_title"><div class="font-semibold text-gray-900 text-left flex items-center justify-between"><div class="flex items-center justify-between gap-3"><div class="fa-list"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M64 64a32 32 0 1 0 0 64 32 32 0 1 0 0-64zm120 8c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zM96 256a32 32 0 1 0 -64 0 32 32 0 1 0 64 0zM64 384a32 32 0 1 0 0 64 32 32 0 1 0 0-64z" fill="currentColor"></path></svg></div>Table of Contents</div></div></div><div class="bz3_table_content_list"><ul class="bz3_table_content_ul list-disc text-blue-200 ml-4 mt-2"><li><a href="#when-should-you-get-a-financial-advisor" title="When Should You Get a Financial Advisor?">When Should You Get a Financial Advisor?</a></li><li><a href="#complex-financial-situation" title="Complex Financial Situation">Complex Financial Situation</a></li><li><a href="#major-life-events" title="Major Life Events">Major Life Events</a></li><li class="see-all">See All 19 Items</li></ul></div></div></div><h2 class="block core-block" id="when-should-you-get-a-financial-advisor">When Should You Get a Financial Advisor?</h2><p class="block core-block">Not everyone needs a financial advisor. If you have a simple financial situation, it may not be necessary. When to get a financial advisor comes down to individual considerations. Here's when you might consider a financial advisor:</p><h3 class="block core-block" id="complex-financial-situation">Complex Financial Situation</h3><p class="block core-block">If your financial situation has become complex due to factors like multiple income sources, investments, properties, or changing tax laws, a financial advisor can help you navigate these complexities. </p><h3 class="block core-block" id="major-life-events">Major Life Events</h3><p class="block core-block">Life events such as marriage, divorce, having children, or inheriting wealth can significantly impact your finances. A financial advisor can guide you in adjusting your financial plan accordingly.</p><h3 class="block core-block" id="retirement-planning">Retirement Planning</h3><p class="block core-block">As you approach retirement, a financial advisor can help you develop a comprehensive retirement plan, including estimating your retirement needs, managing investments, and optimizing Social Security benefits.</p><h3 class="block core-block" id="investment-guidance">Investment Guidance</h3><p class="block core-block">If you're unsure about investing, a financial advisor can assist in creating an investment strategy aligned with your risk tolerance and financial goals. They can also provide ongoing portfolio management. Just ensure that you've chosen a financial advisor with a fiduciary responsibility to protect your interests!</p><h3 class="block core-block" id="debt-management">Debt Management</h3><p class="block core-block">If you're struggling with debt or need a plan to pay off loans efficiently, a financial advisor can provide strategies to manage and reduce your debt. They can work with you to create a customized solution that may allow you to pay off debt more quickly. </p><h3 class="block core-block" id="tax-optimization">Tax Optimization</h3><p class="block core-block">A financial advisor can help you minimize your tax liability by implementing strategies like tax-efficient investing, estate planning, and utilizing tax-advantaged accounts. Many financial advisors are also CPAs with specialized expertise in maximizing tax advantages. </p><h3 class="block core-block" id="estate-planning">Estate Planning</h3><p class="block core-block">If you have significant assets or want to ensure your estate is distributed according to your wishes, a financial advisor can collaborate with estate planning professionals to create an estate plan to protect your heirs. </p><h3 class="block core-block" id="business-ownership">Business Ownership</h3><p class="block core-block">If you own a business, a financial advisor can offer guidance on business finances, succession planning, and employee benefits. They may also offer guidance on business loans, tax optimization, and other business-related government incentives. </p><h3 class="block core-block" id="lack-of-time-or-expertise">Lack of Time or Expertise</h3><p class="block core-block">If you don't have the time, interest, or expertise to manage your finances effectively, a financial advisor can provide professional assistance and alleviate the burden. For many people, the peace of mind that comes with not worrying about their finances is more than worth the cost of a financial advisor. </p><h3 class="block core-block" id="behavioral-coaching">Behavioral Coaching</h3><p class="block core-block">Managing emotions during market instability is essential for successful investors. A financial advisor can help you stay disciplined during market volatility, preventing emotional decisions that could harm your financial goals.</p><h2 class="block core-block" id="selecting-the-right-financial-advisor-for-your-needs">Selecting The Right Financial Advisor For Your Needs</h2><p class="block core-block">Not all financial advisors are created equal. You want to hire a fiduciary financial advisor, meaning they are obligated to advise you in your best interests. Other considerations include: </p><h3 class="block core-block" id="assess-your-needs-and-goals">Assess Your Needs And Goals</h3><p class="block core-block">The importance of self-assessment in determining one's financial needs and goals can highlight where you need additional help. Consider factors like their current financial situation, future aspirations, risk tolerance, and life events. Then, create a list of clear objectives to provide a foundation for selecting the right financial advisor.</p><p class="block core-block">Your list might include owning a vacation home, retiring by a certain age, having college savings for your children, paying off debt, or other goals. </p><h3 class="block core-block" id="research-and-due-diligence">Research And Due Diligence</h3><p class="block core-block">Thorough research on any financial advisor is essential! Common certifications for financial advisers include <a href="https://www.cfp.net/">Certified Financial Planner (CFP)</a>, <a href="https://www.cfainstitute.org/en/programs/cfa">Chartered Financial Analyst (CFA)</a>, or <a href="https://www.finra.org/investors/professional-designations/cima">Certified Investment Management Analyst (CIMA)</a>. </p><p class="block core-block">If the financial advisor is registered with the SEC, you can <a href="https://brokercheck.finra.org/">check if they are fiduciary here</a>. This is essential, as a non-fiduciary financial advisor is not required to offer you the best advice for your situation. Instead, they may attempt to sell products or services or suggest trades that benefit them but aren't your best choice. </p><p class="block core-block">To find trusted financial advisors, you can <a href="https://www.plannersearch.org/financial-planner/state">check the Financial Planner directory</a>, or search online locally. Google, Yelp, and the Yellow Pages can all offer resources. Be sure to check the professionals' credentials, experience and area of expertise, reviews, track record, disciplinary history, and client testimonials. Don't consider a financial planner unless they are fiduciary!</p><h3 class="block core-block" id="understand-compensation-structure">Understand Compensation Structure</h3><p class="block core-block">Some financial advisors charge a flat rate or hourly fee, while others charge commissions per trade or as a percentage of assets under management (AUM). While each option has pros and cons, it's important to have an open and transparent conversation with potential advisors about compensation, ensuring they fully comprehend the costs involved. When making an initial appointment or consultation, ask about the fee structure and how much you can expect to pay for their services.</p><p class="block core-block">Hourly fees are the simplest and best for those who may only need limited sessions or general advice. AUM or flat fees may be less costly if you want more comprehensive financial management or for high-net-worth individuals. Per-trade commissions aren't the best structure, as it incentivizes trading, which may not be in your best interest. </p><p class="block core-block">However, the key is understanding potential financial advisors' pricing structure and how it will affect your portfolio and wealth planning. </p><h3 class="block core-block" id="interview-potential-advisors">Interview Potential Advisors</h3><p class="block core-block">A financial advisor performs an essential role in your financial future. In addition to strong credentials and a history of results, you need to choose someone you can work with. Conducting interviews or consultations with prospective advisors gives you a feeling of whose management style best aligns with your goals. </p><p class="block core-block">You should perform due diligence before meeting any financial advisor. When you go into the meeting, you should know that the financial advisor is:</p><ul class="block core-block"><li>Fiduciary</li><li>Certified</li><li>Experienced</li><li>With a portfolio of success</li></ul><p class="block core-block">When you interview them, you can confirm these points and ask about their expertise, approach, and compatibility. Consider asking:</p><ul class="block core-block"><li>When and where did you get your certification?</li><li>Why is being fiduciary important to you?</li><li>What is your area of expertise or specialization?</li><li>What is your investment style (aggressive, conservative, etc.)?</li><li>Can you tell me about portfolios similar to mine that you've managed? What were the results?</li><li>Based on my goals, what opportunities do you see in the short and long term?</li></ul><p class="block core-block">When you meet with prospective financial advisors, you can gauge their ability to listen, communicate, and tailor their recommendations to your specific needs. Consider:</p><ul class="block core-block"><li>How well do they respond to your questions rather than give general answers? </li><li>Did they take their time with you? </li><li>Do they have experience with similar goals or similar financial situations? </li><li>Do you feel comfortable bringing concerns or doubts to them?</li></ul><h3 class="block core-block" id="evaluate-and-make-a-decision">Evaluate And Make A Decision</h3><p class="block core-block">Once you've spoken to at least two to three financial advisors, it's time to evaluate the information gathered. You can compare proposals, recommendations, and communication styles to determine which advisor aligns best with your goals and preferences. </p><p class="block core-block">Did one advisor stand out for their unique recommendations, or did they all offer similar advice? Who did you feel most comfortable with? Which advisor has the strongest track record of success in similar situations? </p><p class="block core-block">To assess financial advisors, consider:</p><ol class="block core-block"><li>The ability to provide customized solutions</li><li>Ethical conduct</li><li>Track record of success</li><li>Expertise related to your situation</li><li>Long-term commitment to your financial well-being</li><li>Your comfort in working with them</li><li>Certifications, including stated fiduciary status</li></ol><p class="block core-block">These factors can help you easily select the best financial advisor. If it's not immediately clear, assign each financial advisor a score between zero and five for each of the seven criteria. The financial advisor with the highest total score will be the best choice for your situation.</p><h2 class="block core-block" id="when-to-get-a-financial-advisor">When To Get a Financial Advisor</h2><p class="block core-block">Not every life event requires a financial advisor. In fact, in many cases, if you're willing to research and learn about financial planning, you don't need a financial advisor. For example, you could <a href="https://www.benzinga.com/money/how-to-open-a-roth-ira">set up a Roth IRA</a> and <a href="https://www.benzinga.com/money/how-to-invest-in-index-funds">invest in index funds</a> without the help of a financial advisor. However, if you want to create a comprehensive plan that includes various factors, complex situations, and multiple income streams, a financial advisor can help. To get started, find some of the <a href="https://www.benzinga.com/money/best-online-financial-advisors">best online financial advisers</a> or <a href="https://www.benzinga.com/money/best-financial-advisors">the best financial advisers</a>. You can also consider <a href="https://www.benzinga.com/money/best-robo-advisors">robo-advisers for investing</a>.</p><div class="placeholder-block-wrapper"><div style="display:inline"> <div id="smartadvisor-captivate-funnel" data-config="https://captivate.smartasset.com/latest/config.json" data-options="progressBar" data-utms="utm_source=benzinga&utm_campaign=apisnippet&utm_content=primary"></div><script src="https://captivate.smartasset.com/latest/smartadvisor.js"></script> </div></div><h2 class="block core-block" id="frequently-asked-questions">Frequently Asked Questions</h2><div class="sc-hTKOPA eZtxaL block"><div class="sc-kyeWiB erouxN faq-container"><div class="sc-iAMrAa eflFza faq-block"><div class="sc-eAQwYs EDDPz qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">Should I use a financial advisor?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>Whether you should use a financial advisor depends on your situation. For many families, a financial advisor can offer guidance and set a direction for tax optimization, investment advice, and more. However, you may not need a financial advisor if you’re willing to research financial opportunities.</p> </div></div></div><div class="sc-eAQwYs EDDPz qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">Should I get a financial advisor?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>Whether you should get a financial advisor will depend on your goals and financial situation. If you’re crossing a major life event, need help with estate planning, or need investment or debt repayment advice, a financial advisor can help.</p> </div></div></div><div class="sc-eAQwYs EDDPz qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">Is a financial advisor worth it?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>A financial advisor can be worth the cost if they can help set up a tax-optimized investment strategy or create a plan to get out of debt. However, not everyone needs a financial advisor, and often researching simple tax-optimized retirement advice can give you similar results.</p> </div></div></div></div></div></div></div></div><div class="money-blocks-layout-wrapper"><div class="sc-hJOGhH jCVhd money-blocks-wrapper"><div class="sc-bvBKaP gfPTAN mt-6 border rounded-md p-3"><div class="flex flex-nowrap gap-3"><div class="flex-col w-1/6"><a href="https://www.benzinga.com/money/author/alison-plaut"><img alt="Alison Plaut" class="rounded-full" height="96" src="https://secure.gravatar.com/avatar/e771d152567ed9b1b117e5aed9006f28?s=96&d=mm&r=g" width="96"/></a></div><div class="flex-col w-5/6"><a href="https://www.benzinga.com/money/author/alison-plaut"><h4>About Alison Plaut</h4></a><div><p><b>Alison Plaut</b><span style="font-weight: 400;"> is a personal finance writer with a sustainable MBA, passionate about helping people learn more about financial basics for wealth building and financial freedom. She has more than 17 years of writing experience, focused on real estate and mortgage, business, personal finance, and investing. Her work has been published in The Motley Fool, MoneyLion, and she is a regular contributor for Benzinga. </span></p> </div></div></div></div></div></div></main></div><div><div class="sc-ldgOGP bNzjwk layout-sidebar flex-none justify-between"><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div></div></div></div><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div><div></div><div></div></div><div class="footer"><div class="footer-top-section"><div class="benzinga-links-section"><div class="logo-and-socials-wrapper"><span class="sc-gopctv lasYKN benzinga-logo light presentation"><svg height="100%" role="img" viewBox="0 0 471.1 63.8" width="100%" xmlns="http://www.w3.org/2000/svg"><path d="M67.7 63.8h45.2V51.9H81.4V37.3h26.1V25.4H81.4V11.9h31.7V0H67.7zm99.6-23.6L137.7 0h-20.4l6.4 8.1V64h13.6V22.1l30.6 41.7H181V0h-13.7zM47.1 31c6-1.1 11-6.7 11-14.6C58.1 7.9 51.9 0 39.6 0H0l6.2 7.9v56H41c12.3 0 18.7-7.7 18.7-17.3-.3-7.9-5.7-14.7-12.6-15.6zM19.8 12h17.1c4.6 0 7.5 2.7 7.5 6.7s-2.9 6.7-7.5 6.7H19.8V12zm17.7 40H19.8V37.3h17.7c5.2 0 8.1 3.3 8.1 7.3 0 4.6-3.1 7.3-8.1 7.4zm343.3-11.8h7.1v7.5c-3.7 3-8.3 4.7-13.1 4.8-11.4 0-19.4-8.7-19.4-20.4s8.1-20.4 19.4-20.4c5.9 0 11.4 3.1 14.6 8.1l10.8-6C395.6 6.5 387.5 0 374.7 0c-18.1 0-33.1 12.5-33.1 31.9s14.8 31.9 33.1 31.9c10 .2 19.5-4.1 26.1-11.5V28.7h-29.2l9.2 11.5zm-61.5 0L289.6 0h-20.3l6.3 8.1V64h13.7V22.1l30.6 41.7h13V0h-13.6zM446 0h-26.3l6.3 8.1-1.1 3.1L404.5 64h15.4l4-10.8h27.5l4 10.8h15.4L446 0zm-18.6 41.2l10-27.5 10 27.5h-20zM247.7 0h13.7v64.1h-13.7zm-10.9 11V0h-48.1v11.9h30.2l-30.2 41v10.9h48.6V51.9h-30.9z" fill="#FFFFFF"></path></svg></span><div class="social-sites-list"><a aria-label="Click to check out Benzinga's facebook" class="sc-mPVAB ghULXR facebook" color="#3b5998" href="https://web.facebook.com/Benzinga/?_rdc=1&_rdr" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M64 32C28.7 32 0 60.7 0 96V416c0 35.3 28.7 64 64 64h98.2V334.2H109.4V256h52.8V222.3c0-87.1 39.4-127.5 125-127.5c16.2 0 44.2 3.2 55.7 6.4V172c-6-.6-16.5-1-29.6-1c-42 0-58.2 15.9-58.2 57.2V256h83.6l-14.4 78.2H255V480H384c35.3 0 64-28.7 64-64V96c0-35.3-28.7-64-64-64H64z" fill="currentColor"></path></svg></div></a><a aria-label="Click to check out Benzinga's instagram" class="sc-mPVAB dqakkP instagram" color="#e1306c" href="https://www.instagram.com/benzinga/?hl=en" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z" fill="currentColor"></path></svg></div></a><a aria-label="Click to check out Benzinga's linkedin" class="sc-mPVAB egcLNP linkedin" color="#0072b1" href="https://www.linkedin.com/company/benzinga" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z" fill="currentColor"></path></svg></div></a><a aria-label="Click to check out Benzinga's soundcloud" class="sc-mPVAB cdXrlP soundcloud" color="#fe5000" href="https://soundcloud.com/bztv" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 640 512" xmlns="http://www.w3.org/2000/svg"><path d="M111.4 256.3l5.8 65-5.8 68.3c-.3 2.5-2.2 4.4-4.4 4.4s-4.2-1.9-4.2-4.4l-5.6-68.3 5.6-65c0-2.2 1.9-4.2 4.2-4.2 2.2 0 4.1 2 4.4 4.2zm21.4-45.6c-2.8 0-4.7 2.2-5 5l-5 105.6 5 68.3c.3 2.8 2.2 5 5 5 2.5 0 4.7-2.2 4.7-5l5.8-68.3-5.8-105.6c0-2.8-2.2-5-4.7-5zm25.5-24.1c-3.1 0-5.3 2.2-5.6 5.3l-4.4 130 4.4 67.8c.3 3.1 2.5 5.3 5.6 5.3 2.8 0 5.3-2.2 5.3-5.3l5.3-67.8-5.3-130c0-3.1-2.5-5.3-5.3-5.3zM7.2 283.2c-1.4 0-2.2 1.1-2.5 2.5L0 321.3l4.7 35c.3 1.4 1.1 2.5 2.5 2.5s2.2-1.1 2.5-2.5l5.6-35-5.6-35.6c-.3-1.4-1.1-2.5-2.5-2.5zm23.6-21.9c-1.4 0-2.5 1.1-2.5 2.5l-6.4 57.5 6.4 56.1c0 1.7 1.1 2.8 2.5 2.8s2.5-1.1 2.8-2.5l7.2-56.4-7.2-57.5c-.3-1.4-1.4-2.5-2.8-2.5zm25.3-11.4c-1.7 0-3.1 1.4-3.3 3.3L47 321.3l5.8 65.8c.3 1.7 1.7 3.1 3.3 3.1 1.7 0 3.1-1.4 3.1-3.1l6.9-65.8-6.9-68.1c0-1.9-1.4-3.3-3.1-3.3zm25.3-2.2c-1.9 0-3.6 1.4-3.6 3.6l-5.8 70 5.8 67.8c0 2.2 1.7 3.6 3.6 3.6s3.6-1.4 3.9-3.6l6.4-67.8-6.4-70c-.3-2.2-2-3.6-3.9-3.6zm241.4-110.9c-1.1-.8-2.8-1.4-4.2-1.4-2.2 0-4.2.8-5.6 1.9-1.9 1.7-3.1 4.2-3.3 6.7v.8l-3.3 176.7 1.7 32.5 1.7 31.7c.3 4.7 4.2 8.6 8.9 8.6s8.6-3.9 8.6-8.6l3.9-64.2-3.9-177.5c-.4-3-2-5.8-4.5-7.2zm-26.7 15.3c-1.4-.8-2.8-1.4-4.4-1.4s-3.1.6-4.4 1.4c-2.2 1.4-3.6 3.9-3.6 6.7l-.3 1.7-2.8 160.8s0 .3 3.1 65.6v.3c0 1.7.6 3.3 1.7 4.7 1.7 1.9 3.9 3.1 6.4 3.1 2.2 0 4.2-1.1 5.6-2.5 1.7-1.4 2.5-3.3 2.5-5.6l.3-6.7 3.1-58.6-3.3-162.8c-.3-2.8-1.7-5.3-3.9-6.7zm-111.4 22.5c-3.1 0-5.8 2.8-5.8 6.1l-4.4 140.6 4.4 67.2c.3 3.3 2.8 5.8 5.8 5.8 3.3 0 5.8-2.5 6.1-5.8l5-67.2-5-140.6c-.2-3.3-2.7-6.1-6.1-6.1zm376.7 62.8c-10.8 0-21.1 2.2-30.6 6.1-6.4-70.8-65.8-126.4-138.3-126.4-17.8 0-35 3.3-50.3 9.4-6.1 2.2-7.8 4.4-7.8 9.2v249.7c0 5 3.9 8.6 8.6 9.2h218.3c43.3 0 78.6-35 78.6-78.3.1-43.6-35.2-78.9-78.5-78.9zm-296.7-60.3c-4.2 0-7.5 3.3-7.8 7.8l-3.3 136.7 3.3 65.6c.3 4.2 3.6 7.5 7.8 7.5 4.2 0 7.5-3.3 7.5-7.5l3.9-65.6-3.9-136.7c-.3-4.5-3.3-7.8-7.5-7.8zm-53.6-7.8c-3.3 0-6.4 3.1-6.4 6.7l-3.9 145.3 3.9 66.9c.3 3.6 3.1 6.4 6.4 6.4 3.6 0 6.4-2.8 6.7-6.4l4.4-66.9-4.4-145.3c-.3-3.6-3.1-6.7-6.7-6.7zm26.7 3.4c-3.9 0-6.9 3.1-6.9 6.9L227 321.3l3.9 66.4c.3 3.9 3.1 6.9 6.9 6.9s6.9-3.1 6.9-6.9l4.2-66.4-4.2-141.7c0-3.9-3-6.9-6.9-6.9z" fill="currentColor"></path></svg></div></a><a aria-label="Click to check out Benzinga's twitter" class="sc-mPVAB cdVYxh twitter" color="#000000" href="https://twitter.com/benzinga" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 448 512" xmlns="http://www.w3.org/2000/svg"><path d="M64 32C28.7 32 0 60.7 0 96V416c0 35.3 28.7 64 64 64H384c35.3 0 64-28.7 64-64V96c0-35.3-28.7-64-64-64H64zm297.1 84L257.3 234.6 379.4 396H283.8L209 298.1 123.3 396H75.8l111-126.9L69.7 116h98l67.7 89.5L313.6 116h47.5zM323.3 367.6L153.4 142.9H125.1L296.9 367.6h26.3z" fill="currentColor"></path></svg></div></a><a aria-label="Click to check out Benzinga's youtube" class="sc-mPVAB cLqTRx youtube" color="red" href="https://www.youtube.com/benzinga" target="_blank"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M549.655 124.083c-6.281-23.65-24.787-42.276-48.284-48.597C458.781 64 288 64 288 64S117.22 64 74.629 75.486c-23.497 6.322-42.003 24.947-48.284 48.597-11.412 42.867-11.412 132.305-11.412 132.305s0 89.438 11.412 132.305c6.281 23.65 24.787 41.5 48.284 47.821C117.22 448 288 448 288 448s170.78 0 213.371-11.486c23.497-6.321 42.003-24.171 48.284-47.821 11.412-42.867 11.412-132.305 11.412-132.305s0-89.438-11.412-132.305zm-317.51 213.508V175.185l142.739 81.205-142.739 81.201z" fill="currentColor"></path></svg></div></a></div></div><div class="app-store-wrapper"><a aria-label="Click to download the Benzinga app" class="sc-jUULvF irAvrn google-play-store-button-wrapper button-wrapper" data-action="Download on Google Play Store Click" href="https://play.google.com/store/apps/details?id=com.benzinga.app&hl=en_NZ&gl=US"><svg clip-rule="evenodd" fill-rule="evenodd" height="39px" stroke-linejoin="round" stroke-miterlimit="2" viewBox="0 0 120 36" width="130px" xmlns="http://www.w3.org/2000/svg"><path d="M2863.6 530.6c-36.3 0-66.9-12.7-91.1-37.7-24-24.3-37.4-57.8-36.8-92 0-36.5 12.4-67.4 36.8-91.9 24.1-25 54.7-37.7 91-37.7 35.9 0 66.5 12.7 91.1 37.7 24.4 25.3 36.8 56.2 36.8 91.9-.4 36.6-12.8 67.5-36.8 91.9-24.1 25.2-54.7 37.8-91 37.8zm-1080.1 0c-35.5 0-66.3-12.5-91.5-37.2-25-24.6-37.7-55.7-37.7-92.4s12.7-67.8 37.7-92.4c24.7-24.7 55.5-37.2 91.5-37.2a127.533 127.533 0 0151.1 10.6c16.1 6.9 29.2 16.3 38.9 27.8l2.4 2.9-27.1 26.6-2.8-3.3c-15.3-18.2-35.8-27.1-62.9-27.1-24.2 0-45.3 8.6-62.7 25.6-17.5 17.1-26.4 39.5-26.4 66.6 0 27.1 8.9 49.5 26.4 66.6 17.4 17 38.5 25.6 62.7 25.6 25.8 0 47.5-8.6 64.4-25.6 10-10 16.2-24 18.4-41.7H1779v-37.4h124.2l.5 3.4c.9 6.3 1.8 12.8 1.8 18.8 0 34.5-10.4 62.4-31 83-23.4 24.4-54 36.8-91 36.8zm1436.1-5.3h-38.3L3064 337.6l1 33.8v153.8h-38.3V276.7h43.7l1.2 1.9 110.3 176.8-1-33.7v-145h38.7v248.6zm-643.8 0H2537V314.1h-67.3v-37.4H2643v37.4h-67.3v211.2h.1zm-137.7 0h-38.7V276.7h38.7v248.6zm-217.5 0h-38.7V314.1h-67.3v-37.4h173.3v37.4h-67.3v211.2zm-130.5-.4h-148.4V276.7h148.4v37.4h-109.6v68.2h98.9v37h-98.9v68.2h109.6v37.4zm710.8-57.7c17.3 17.3 38.3 26 62.7 26 25.1 0 45.6-8.5 62.7-26 17-17 25.6-39.3 25.6-66.2 0-26.9-8.6-49.3-25.5-66.2-17.3-17.3-38.4-26-62.7-26-25.1 0-45.6 8.5-62.6 26-17 17-25.6 39.3-25.6 66.2 0 26.9 8.5 49.3 25.4 66.2zM2732.1 872.4c-94.5 0-171.1 71.7-171.1 170.6 0 98 77.1 170.6 171.1 170.6 94.5 0 171.1-72.2 171.1-170.6 0-98.9-76.6-170.6-171.1-170.6zm0 273.6c-51.7 0-96.2-42.8-96.2-103.4 0-61.5 44.6-103.4 96.2-103.4 51.7 0 96.2 41.9 96.2 103.4.1 61-44.5 103.4-96.2 103.4zm-373.3-273.6c-94.5 0-171.1 71.7-171.1 170.6 0 98 77.1 170.6 171.1 170.6 94.5 0 171.1-72.2 171.1-170.6 0-98.9-76.7-170.6-171.1-170.6zm0 273.6c-51.7 0-96.2-42.8-96.2-103.4 0-61.5 44.6-103.4 96.2-103.4 51.7 0 96.2 41.9 96.2 103.4 0 61-44.5 103.4-96.2 103.4zm-444.2-221.5v72.2h173.3c-5.3 40.5-18.7 70.4-39.2 90.9-25.4 25.4-64.6 53-133.7 53-106.5 0-189.8-86-189.8-192.5s83.3-192.5 189.8-192.5c57.5 0 99.4 22.7 130.5 51.7l51.2-51.2c-43.2-41.4-100.7-73.1-181.3-73.1-146.1 0-268.7 119-268.7 264.7 0 146.1 122.5 264.7 268.7 264.7 78.9 0 138.1-25.8 184.9-74.4 47.7-47.7 62.8-115 62.8-169.3 0-16.9-1.3-32.1-4-45h-244.6c.1-.1.1.8.1.8zm1816.9 56.2C3717.2 942.4 3674 872 3585.4 872c-87.8 0-160.8 69.1-160.8 170.6 0 95.8 72.2 170.6 169.3 170.6 78 0 123.4-47.7 142.1-75.7l-57.9-38.8c-19.2 28.5-45.9 47.2-83.8 47.2-38.3 0-65.1-17.4-82.9-51.7l228.1-94.5c0 .1-8-19-8-19zm-232.6 57c-1.8-65.9 51.2-99.4 89.1-99.4 29.9 0 54.8 14.7 63.3 36.1l-152.4 63.3zM3313.6 1203h74.9V701.8h-74.9V1203zm-123-292.7h-2.7c-16.9-20.1-49-38.3-90-38.3-85.1 0-163.5 74.9-163.5 171.1 0 95.8 78 169.8 163.5 169.8 40.5 0 73.1-18.3 90-38.8h2.7v24.5c0 65.1-34.8 100.2-90.9 100.2-45.9 0-74.4-33-86-60.6l-65.1 27.2c18.7 45 68.6 100.7 151 100.7 87.8 0 162.2-51.7 162.2-177.8V882.2H3191v28.1h-.4zm-86 235.7c-51.7 0-94.9-43.2-94.9-102.9 0-60.2 43.2-103.8 94.9-103.8 51.2 0 90.9 44.1 90.9 103.8.5 59.7-39.6 102.9-90.9 102.9zm977.6-444.2h-179.1V1203h74.9v-189.8h104.3c82.9 0 164.4-60.1 164.4-155.5s-81.2-155.9-164.5-155.9zm2.2 241.4h-106.5v-172h106.5c56.1 0 87.8 46.3 87.8 86 0 39.3-32.1 86-87.8 86zm462.5-71.7c-54.4 0-110.5 24.1-133.7 76.6l66.4 27.6c14.3-27.6 40.5-37 68.2-37 38.8 0 78 23.2 78.9 64.6v5.3c-13.4-7.6-42.8-19.2-78-19.2-71.7 0-144.4 39.2-144.4 112.7 0 67.3 58.8 110.5 124.3 110.5 50.3 0 78-22.7 95.3-49h2.7v38.8h72.2v-192c0-89.4-66.4-138.9-151.9-138.9zm-9.4 274.5c-24.5 0-58.8-12-58.8-42.8 0-38.8 42.8-53.5 79.3-53.5 33 0 48.6 7.1 68.2 16.9-5.4 45-43.4 79-88.7 79.4zm424.7-263.8l-86 217.4h-2.7l-89.1-217.4h-80.6l133.7 303.9-76.2 168.9h78L5045 882.2h-82.8zM4288 1203h74.9V701.8H4288V1203zM418.4 302.1c-11.6 12.5-18.3 31.6-18.3 56.6v886.7c0 25 6.7 44.1 18.7 56.1l3.1 2.7 496.8-496.8v-11.1L421.5 299.4l-3.1 2.7z" fill="#0C2140" fill-rule="nonzero" transform="scale(.02208)"></path><path d="M1084 973.5L918.3 807.8v-11.6L1084 630.5l3.6 2.2 196 111.4c56.1 31.6 56.1 83.8 0 115.8l-196 111.4-3.6 2.2z" fill="#0C2140" fill-rule="nonzero" transform="scale(.02208)"></path><path d="M1087.6 971.3L918.3 802l-499.9 499.9c18.3 19.6 49 21.8 83.3 2.7l585.9-333.3M1087.6 632.7L501.7 299.9c-34.3-19.6-65.1-16.9-83.3 2.7L918.3 802l169.3-169.3z" fill="#0C2140" fill-rule="nonzero" transform="scale(.02208)"></path></svg></a><a aria-label="Click to download the Benzinga app" class="sc-jUULvF irAvrn apple-app-store-button-wrapper button-wrapper" data-action="Download on Apple App Store Click" href="https://apps.apple.com/us/app/benzinga-stock-news-tracker/id688949481"><svg fill="#0c2140" height="43.3px" stroke-linejoin="round" stroke-miterlimit="2" viewBox="0 0 120 40" width="130px" xmlns="http://www.w3.org/2000/svg"><path d="M24.997 19.889a5.15 5.15 0 012.45-4.317 5.27 5.27 0 00-4.15-2.244c-1.746-.183-3.439 1.045-4.329 1.045-.907 0-2.277-1.027-3.753-.997a5.534 5.534 0 00-4.651 2.837c-2.011 3.482-.511 8.6 1.416 11.414.963 1.378 2.09 2.918 3.564 2.863 1.442-.06 1.981-.919 3.722-.919 1.725 0 2.231.919 3.734.885 1.548-.026 2.523-1.385 3.453-2.776a11.366 11.366 0 001.579-3.216 4.98 4.98 0 01-3.035-4.575zm-2.841-8.412a5.066 5.066 0 001.159-3.63 5.153 5.153 0 00-3.335 1.726 4.82 4.82 0 00-1.19 3.495 4.265 4.265 0 003.366-1.591zM42.302 27.14h-4.734l-1.136 3.356h-2.005l4.483-12.418h2.083l4.484 12.418h-2.039l-1.136-3.356zm-4.243-1.549h3.752l-1.85-5.447h-.052l-1.85 5.447zm17.1.379c0 2.813-1.506 4.621-3.778 4.621a3.076 3.076 0 01-2.849-1.584h-.043v4.484h-1.858V21.442h1.799v1.506h.034a3.216 3.216 0 012.883-1.6c2.298 0 3.812 1.816 3.812 4.622zm-1.91 0c0-1.833-.947-3.038-2.393-3.038-1.419 0-2.375 1.23-2.375 3.038 0 1.824.956 3.046 2.375 3.046 1.446 0 2.393-1.197 2.393-3.046zm11.876 0c0 2.813-1.507 4.621-3.779 4.621a3.076 3.076 0 01-2.849-1.584h-.043v4.484h-1.858V21.442h1.799v1.506h.034a3.216 3.216 0 012.883-1.6c2.297 0 3.813 1.816 3.813 4.622zm-1.911 0c0-1.833-.947-3.038-2.393-3.038-1.42 0-2.375 1.23-2.375 3.038 0 1.824.955 3.046 2.375 3.046 1.446 0 2.393-1.197 2.393-3.046zm8.495 1.066c.138 1.232 1.334 2.04 2.969 2.04 1.567 0 2.694-.808 2.694-1.919 0-.964-.68-1.541-2.289-1.936l-1.61-.388c-2.28-.551-3.339-1.617-3.339-3.348 0-2.142 1.867-3.614 4.518-3.614 2.625 0 4.424 1.472 4.484 3.614H77.26c-.112-1.239-1.136-1.987-2.634-1.987s-2.521.757-2.521 1.858c0 .878.654 1.395 2.255 1.79l1.368.336c2.548.603 3.605 1.626 3.605 3.443 0 2.323-1.849 3.778-4.793 3.778-2.753 0-4.613-1.421-4.733-3.667h1.902zM83.346 19.3v2.142h1.722v1.472h-1.722v4.991c0 .776.345 1.137 1.102 1.137.204-.004.408-.018.611-.043v1.463c-.34.063-.686.092-1.032.086-1.833 0-2.548-.689-2.548-2.445v-5.189h-1.316v-1.472h1.316V19.3h1.867zm2.718 6.67c0-2.849 1.678-4.639 4.294-4.639 2.625 0 4.295 1.79 4.295 4.639 0 2.856-1.661 4.638-4.295 4.638s-4.294-1.782-4.294-4.638zm6.695 0c0-1.954-.895-3.108-2.401-3.108s-2.401 1.162-2.401 3.108c0 1.962.895 3.106 2.401 3.106s2.401-1.144 2.401-3.106zm3.426-4.528h1.773v1.541h.043a2.164 2.164 0 012.177-1.635c.214-.001.428.022.637.069v1.738a2.62 2.62 0 00-.835-.112l-.076-.002a1.883 1.883 0 00-1.873 1.873 1.87 1.87 0 00.012.212v5.37h-1.858v-9.054zm13.198 6.395c-.25 1.643-1.85 2.771-3.898 2.771-2.634 0-4.269-1.764-4.269-4.595 0-2.84 1.644-4.682 4.191-4.682 2.505 0 4.08 1.721 4.08 4.466v.637h-6.395v.112l-.009.208a2.37 2.37 0 002.358 2.358l.087-.002a2.05 2.05 0 002.091-1.273h1.764zm-6.282-2.702h4.526l.004-.121a2.19 2.19 0 00-2.177-2.178l-.047.001a2.306 2.306 0 00-2.306 2.292v.006zM37.826 8.731l.189-.007a2.653 2.653 0 012.64 2.64 2.63 2.63 0 01-.021.332c0 1.906-1.03 3.002-2.808 3.002h-2.155V8.731h2.155zm-1.228 5.123h1.125l.112.003a1.884 1.884 0 001.875-1.876 1.79 1.79 0 00-.02-.273c.012-.085.018-.17.018-.256a1.89 1.89 0 00-1.881-1.881l-.104.003h-1.125v4.28zm5.083-1.41a2.143 2.143 0 012.123-2.336c1.17 0 2.133.963 2.133 2.133l-.009.203.01.207c0 1.171-.963 2.134-2.134 2.134s-2.133-.963-2.133-2.134l.01-.207zm3.333 0c0-.976-.439-1.547-1.208-1.547s-1.207.571-1.207 1.547c0 .984.434 1.551 1.207 1.551s1.208-.571 1.208-1.551zm6.559 2.254h-.922l-.93-3.317h-.071l-.926 3.317h-.913l-1.242-4.503h.902l.806 3.436h.067l.926-3.436h.852l.926 3.436h.07l.803-3.436h.889l-1.237 4.503zm2.281-4.503h.855v.715h.066a1.35 1.35 0 011.344-.802l.11-.004a1.472 1.472 0 011.449 1.679v2.915h-.889v-2.692c0-.724-.314-1.084-.972-1.084l-.048-.001a1.04 1.04 0 00-1.033 1.033.98.98 0 00.006.109v2.635h-.888v-4.503zm5.24-1.758h.889v6.261h-.889zm2.124 4.007a2.144 2.144 0 012.124-2.336c1.171 0 2.133.963 2.133 2.133l-.01.203a2.05 2.05 0 01.01.207c0 1.17-.963 2.134-2.133 2.134s-2.134-.964-2.134-2.134l.01-.207zm3.333 0c0-.976-.439-1.547-1.208-1.547s-1.207.571-1.207 1.547c0 .984.434 1.551 1.207 1.551s1.208-.571 1.208-1.551zm1.85.98c0-.81.603-1.278 1.675-1.344l1.219-.07v-.389c0-.475-.314-.744-.921-.744-.497 0-.84.182-.939.5h-.86c.091-.773.818-1.269 1.84-1.269 1.128 0 1.765.562 1.765 1.513v3.077h-.855v-.633h-.071a1.52 1.52 0 01-1.352.707 1.33 1.33 0 01-.141.007c-.744 0-1.357-.61-1.36-1.355zm2.894-.384v-.377l-1.099.07c-.62.042-.902.253-.902.65 0 .405.352.641.835.641a.97.97 0 00.107.005c.556 0 1.022-.435 1.059-.989zm2.053-.596c0-1.423.732-2.324 1.869-2.324a1.486 1.486 0 011.381.79h.067V8.437h.888v6.261h-.851v-.712h-.071a1.565 1.565 0 01-1.414.786c-1.145 0-1.869-.901-1.869-2.328zm.918 0c0 .955.45 1.53 1.203 1.53s1.212-.583 1.212-1.526-.468-1.53-1.212-1.53-1.203.579-1.203 1.526zm6.964 0l-.01-.203c0-1.17.963-2.133 2.134-2.133s2.133.963 2.133 2.133l-.01.203a2.05 2.05 0 01.01.207c0 1.171-.963 2.134-2.133 2.134s-2.134-.963-2.134-2.134l.01-.207zm3.333 0c0-.976-.438-1.547-1.208-1.547s-1.207.571-1.207 1.547c0 .984.435 1.551 1.207 1.551s1.208-.571 1.208-1.551zm2.106-2.249h.856v.715h.066a1.35 1.35 0 011.344-.802l.11-.004a1.47 1.47 0 011.464 1.464c0 .072-.005.144-.015.215v2.915h-.889v-2.692c0-.724-.314-1.084-.972-1.084l-.048-.001a1.04 1.04 0 00-1.033 1.033.98.98 0 00.006.109v2.635h-.889v-4.503zm8.846-1.121v1.141h.976v.749h-.976v2.315c0 .472.194.679.637.679.113-.001.226-.008.339-.021v.74c-.16.029-.322.044-.484.046-.988 0-1.381-.348-1.381-1.216v-2.543h-.715v-.749h.715V9.074h.889zm2.19-.637h.88v2.481h.071c.241-.53.792-.853 1.373-.806l.08-.002a1.49 1.49 0 011.484 1.483c0 .066-.005.132-.013.198v2.907h-.89V12.01c0-.719-.335-1.084-.963-1.084l-.086-.003a1.06 1.06 0 00-1.052 1.052l.004.093v2.63h-.888V8.437zm9.056 5.045a1.833 1.833 0 01-1.951 1.303h-.054a2.055 2.055 0 01-2.026-2.325 2.086 2.086 0 012.058-2.352c1.271 0 2.027.856 2.027 2.27v.31h-3.18v.05a1.1 1.1 0 00-.004.1c0 .653.537 1.19 1.19 1.19a1.09 1.09 0 001.085-.546h.855zm-3.126-1.451h2.275l.003-.081c0-.596-.491-1.086-1.087-1.086h-.025a1.16 1.16 0 00-1.166 1.152v.015z"></path></svg></a></div></div><div class="sc-hrmvde cBNmvS footer-row"><div class="sc-ezXvgj jBaafR"><h3>Popular Channels</h3><ul><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/premarket-prep/" class="sc-dXGmlw kbINRX">PreMarket Prep</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/pressreleases" class="sc-dXGmlw kbINRX">Press Releases</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/analyst-stock-ratings" class="sc-dXGmlw kbINRX">Analyst Ratings</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/news" class="sc-dXGmlw kbINRX">News</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/markets/options" class="sc-dXGmlw kbINRX">Options</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/etfs" class="sc-dXGmlw kbINRX">ETFs</a></li></ul></div><div class="sc-ezXvgj jBaafR"><h3>Tools & Features</h3><ul><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://pro.benzinga.com/" class="sc-dXGmlw kbINRX">Real Time Feed</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/feeds/list" class="sc-dXGmlw kbINRX">Public RSS Feeds</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/contact" class="sc-dXGmlw kbINRX">Submit News Tips</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://pro.benzinga.com/blog/" class="sc-dXGmlw kbINRX">Blog</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/widgets" class="sc-dXGmlw kbINRX">Embeddable Finance Widgets & Tools</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/catalyst" class="sc-dXGmlw kbINRX">Benzinga Catalyst</a></li></ul></div><div class="sc-ezXvgj jBaafR"><h3>Partners & Contributors</h3><ul><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://app.impact.com/campaign-promo-signup/Benzinga1659111587301.brand?execution=e1s1" class="sc-dXGmlw kbINRX">Affiliate Program</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://contributor.benzinga.com/contributor-onboarding" class="sc-dXGmlw kbINRX">Contributor Portal</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/apis/" class="sc-dXGmlw kbINRX">Licensing & Syndication</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/reach/" class="sc-dXGmlw kbINRX">Sponsored Content</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://advertise.benzinga.com/" class="sc-dXGmlw kbINRX">Advertise With Us</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/contact/" class="sc-dXGmlw kbINRX">Lead Generation & SEO</a></li></ul></div><div class="sc-ezXvgj jBaafR"><h3>About Benzinga</h3><ul><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/about" class="sc-dXGmlw kbINRX">About Us</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://jobs.benzinga.com/" class="sc-dXGmlw kbINRX">Careers</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/inthenews" class="sc-dXGmlw kbINRX">In The News</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/events/" class="sc-dXGmlw kbINRX">Events</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/contact" class="sc-dXGmlw kbINRX">Contact Us</a></li></ul></div></div></div><div class="footer-bottom-section"><ul><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/terms-and-conditions" class="sc-dXGmlw kbINRX">Terms & Conditions </a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/page/privacy" class="sc-dXGmlw kbINRX"> Do Not Sell My Personal Data/Privacy Policy</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/disclaimer" class="sc-dXGmlw kbINRX">Disclaimer </a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="http://www.benzingastatus.com" class="sc-dXGmlw kbINRX">Service Status</a></li><li class="sc-jKBaTn jMfbAn footer-link"><a href="https://www.benzinga.com/sitemap" class="sc-dXGmlw kbINRX">Sitemap</a></li></ul><div class="copyright-section text-center w-full whitespace-nowrap mt-2">© 2024 Benzinga | All Rights Reserved</div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"headerProps":{"bannerLink":"","bannerText":"","hideBanner":true,"hideFooter":false,"hideMenuBar":false,"hideQuoteBar":true,"hideSearchBar":true,"hideTopBar":true,"isMainDrawerVisible":true,"menuData":{"primary":[{"label":"Personal Finance","title":"Personal Finance","href":"/money/personal-finance","className":"","color":"","groups":[],"subnav":{"links":[{"label":"Financial Advisors","title":"Financial Advisors","href":"/money/best-financial-advisors"},{"label":"Credit Cards","title":"Credit Cards","href":"/money/credit-cards"},{"label":"Taxes","title":"Taxes","href":"/personal-finance/taxes"},{"label":"Retirement","title":"Retirement","href":"/money/retirement"}],"category":"Toolbar","action":"Navigation"}},{"label":"Insurance","title":"Insurance","href":"https://www.benzinga.com/money/insurance","className":"","color":"","groups":[],"subnav":{"links":[{"label":"Auto","title":"Auto","href":"https://www.benzinga.com/money/auto-insurance"},{"label":"Vision","title":"Vision","href":"https://www.benzinga.com/money/vision-insurance"},{"label":"Life","title":"Life","href":"https://www.benzinga.com/money/life-insurance"},{"label":"Dental","title":"Dental","href":"https://www.benzinga.com/money/dental-insurance"},{"label":"Health","title":"Health","href":"https://www.benzinga.com/money/insurance/health-insurance"},{"label":"Medicare","title":"Medicare","href":"https://www.benzinga.com/money/insurance/medicare"},{"label":"Home","title":"Home","href":"https://www.benzinga.com/money/home-insurance"},{"label":"Life","title":"Life","href":"https://www.benzinga.com/money/life-insurance"},{"label":"Business","title":"Business","href":"https://www.benzinga.com/money/business-insurance"},{"label":"Pet","title":"Pet","href":"https://www.benzinga.com/money/insurance/pet-insurance"}],"category":"Toolbar","action":"Navigation"}},{"label":"Investing","title":"Investing","href":"/money/investing","className":"","color":"","groups":[],"subnav":{"links":[{"label":"Stocks","title":"Stocks","href":"https://www.benzinga.com/money/stocks","subnav":{"links":[{"label":"How to Buy Stocks","title":"How to Buy Stocks","href":"https://www.benzinga.com/money/how-to-buy-stocks"},{"label":"Best Stock Brokers","title":"Best Stock Brokers","href":"https://www.benzinga.com/money/best-stock-brokers-in-the-us"},{"label":"How to Get Free Stocks","title":"How to Get Free Stocks","href":"https://www.benzinga.com/money/how-to-get-free-stocks-august-2024"},{"label":"How to Buy Stocks on an iPhone","title":"How to Buy Stocks on an iPhone","href":"https://www.benzinga.com/money/how-to-buy-stocks-on-an-iphone"},{"label":"Best Stock Brokers for Beginners","title":"Best Stock Brokers for Beginners","href":"https://www.benzinga.com/money/best-stock-brokers-for-beginners"}],"category":"Toolbar","action":"Navigation"}},{"label":"Options","title":"Options","href":"https://www.benzinga.com/money/options","subnav":{"links":[{"label":"How to Trade Options","title":"How to Trade Options","href":"https://www.benzinga.com/money/how-to-trade-options"},{"label":"How to Buy Put Options","title":"How to Buy Put Options","href":"https://www.benzinga.com/money/how-to-buy-put-options"},{"label":"Best Brokers for Options Trading","title":"Best Brokers for Options Trading","href":"https://www.benzinga.com/money/best-brokers-for-options-traders"}],"category":"Toolbar","action":"Navigation"}},{"label":"ETFs","title":"ETFs","href":"https://www.benzinga.com/money/etfs","subnav":{"links":[{"label":"How Do ETFs Work?","title":"How Do ETFs Work?","href":"https://www.benzinga.com/money/how-do-etfs-work"},{"label":"How to Invest in ETFs","title":"How to Invest in ETFs","href":"https://www.benzinga.com/money/how-to-buy-etf"},{"label":"Best Brokers for ETFs","title":"Best Brokers for ETFs","href":"https://www.benzinga.com/money/best-brokers-for-etfs"}],"category":"Toolbar","action":"Navigation"}},{"label":"Mutual Funds","title":"Mutual Funds","href":"https://www.benzinga.com/money/mutual-funds"},{"label":"Futures","title":"Futures","href":"https://www.benzinga.com/money/futures","subnav":{"links":[{"label":"How to Trade Futures","title":"How to Trade Futures","href":"https://www.benzinga.com/money/futures-investing-for-beginners-qa"},{"label":"Best Apps for Trading Futures","title":"Best Apps for Trading Futures","href":"https://www.benzinga.com/money/best-apps-for-trading-futures"},{"label":"Best Futures Trading Platforms","title":"Best Futures Trading Platforms","href":"https://www.benzinga.com/money/best-futures-trading-platforms"}],"category":"Toolbar","action":"Navigation"}},{"label":"IPOs","title":"IPOs","href":"https://www.benzinga.com/money/ipos"},{"label":"Bonds","title":"Bonds","href":"https://www.benzinga.com/money/bonds","subnav":{"links":[{"label":"How to Trade Bonds","title":"How to Trade Bonds","href":"https://www.benzinga.com/money/how-to-trade-bonds"},{"label":"What Are Municipal Bonds?","title":"What Are Municipal Bonds?","href":"https://www.benzinga.com/money/what-are-municipal-bonds"},{"label":"How to Buy Municipal Bonds","title":"How to Buy Municipal Bonds","href":"https://www.benzinga.com/money/how-to-buy-municipal-bonds"},{"label":"Best Brokers for Bonds","title":"Best Brokers for Bonds","href":"https://www.benzinga.com/money/best-online-brokers-for-bonds"}],"category":"Toolbar","action":"Navigation"}},{"label":"Index Funds","title":"Index Funds","href":"https://www.benzinga.com/money/index-funds"},{"label":"Forex","title":"Forex","href":"/money/forex","subnav":{"links":[{"label":"Best Forex Brokers","title":"Best Forex Brokers","href":"https://www.benzinga.com/money/best-forex-brokers-for-us-clients"}],"category":"Toolbar","action":"Navigation"}},{"label":"Prop Trading","title":"Prop Trading","href":"https://www.benzinga.com/money/best-prop-trading-firms"},{"label":"Brokerage Reviews","title":"Brokerage Reviews","href":"https://www.benzinga.com/money/compare-online-brokers","subnav":{"links":[{"label":"Webull Review","title":"Webull Review","href":"https://www.benzinga.com/money/webull-review"},{"label":"Moomoo Review","title":"Moomoo Review","href":"https://www.benzinga.com/money/moomoo-review"},{"label":"EdgeClear Review","title":"EdgeClear Review","href":"https://www.benzinga.com/money/edgeclear-review"},{"label":"Robinhood Review","title":"Robinhood Review","href":"https://www.benzinga.com/money/robinhood-review"},{"label":"NinjaTrader Review","title":"NinjaTrader Review","href":"https://www.benzinga.com/money/ninjatrader-review"},{"label":"Interactive Brokers Review","title":"Interactive Brokers Review","href":"https://www.benzinga.com/money/interactive-brokers-review"}],"category":"Toolbar","action":"Navigation"}}],"category":"Toolbar","action":"Navigation"}},{"label":"Alternative Investing","title":"Alternative Investing","href":"https://www.benzinga.com/money/alternative-investing","className":"","color":"","groups":[],"subnav":{"links":[{"label":"Real Estate","title":"Real Estate","href":"https://www.benzinga.com/money/real-estate-investing"},{"label":"Startups","title":"Startups","href":"https://www.benzinga.com/alternative-investments/startups"},{"label":"Collectibles","title":"Collectibles","href":"http://www.benzinga.com/money/collectibles-investing"}],"category":"Toolbar","action":"Navigation"}},{"label":"Mortgage","title":"Mortgage","href":"/money/mortgages","className":"","color":"","groups":[],"subnav":{"links":[{"label":"Rates","title":"Rates","href":"https://www.benzinga.com/money/compare-current-mortgage-rates"},{"label":"Calculator","title":"Calculator","href":"https://www.benzinga.com/money/mortgage-calculator"},{"label":"Reviews","title":"Reviews","href":"https://www.benzinga.com/money/search-for-mortgage-lenders"},{"label":"Purchase","title":"Purchase","href":"https://www.benzinga.com/money/best-mortgage-lenders"},{"label":"Refinance","title":"Refinance","href":"https://www.benzinga.com/money/best-refinance-mortgage"},{"label":"Self-Employed","title":"Self-Employed","href":"/money/mortgage-lenders-for-self-employed"}],"category":"Toolbar","action":"Navigation"}},{"label":"Cryptocurrency","title":"Cryptocurrency","href":"https://www.benzinga.com/money/crypto","className":"","color":"","groups":[],"subnav":{"links":[{"label":"How to Get Crypto","title":"How to Get Crypto","href":"https://www.benzinga.com/money/how-to-trade-cryptocurrency","subnav":{"links":[{"label":"Free Bitcoin","title":"Free Bitcoin","href":"https://www.benzinga.com/markets/cryptocurrency/get-free-cryptocurrency-right-now-1"},{"label":"How to Buy Crypto","title":"How to Buy Crypto","href":"https://www.benzinga.com/money/how-to-buy-cryptocurrencies"},{"label":"How to Buy Bitcoin","title":"How to Buy Bitcoin","href":"https://www.benzinga.com/money/how-to-buy-bitcoin-btc-best-bonuses-august-2024"},{"label":"How to Buy Bitcoin with a Credit Card","title":"How to Buy Bitcoin with a Credit Card","href":"https://www.benzinga.com/money/how-to-buy-bitcoin-with-a-credit-card"}],"category":"Toolbar","action":"Navigation"}},{"label":"Crypto Wallets","title":"Crypto Wallets","href":"https://www.benzinga.com/money/best-crypto-wallet"},{"label":"Best Crypto to Invest In","title":"Best Crypto to Invest In","href":"https://www.benzinga.com/money/top-10-cryptocurrencies","subnav":{"links":[{"label":"Ripple Price Prediction","title":"Ripple Price Prediction","href":"https://www.benzinga.com/money/ripple-xrp-price-prediction"},{"label":"Stellar Price Prediction","title":"Stellar Price Prediction","href":"https://www.benzinga.com/money/stellar-xlm-price-prediction"},{"label":"Shiba Inu Price Prediction","title":"Shiba Inu Price Prediction","href":"https://www.benzinga.com/money/shiba-inu-price-prediction"}],"category":"Toolbar","action":"Navigation"}},{"label":"Crypto Exchange Reviews","title":"Crypto Exchange Reviews","href":"https://www.benzinga.com/money/best-cryptocurrency-brokers","subnav":{"links":[{"label":"Gemini Review","title":"Gemini Review","href":"https://www.benzinga.com/money/gemini-review"},{"label":"Kraken Review","title":"Kraken Review","href":"https://www.benzinga.com/money/kraken-review"},{"label":"Coinbase Review","title":"Coinbase Review","href":"https://www.benzinga.com/money/coinbase-review"},{"label":"3Commas Review","title":"3Commas Review","href":"https://www.benzinga.com/money/3commas-review"}],"category":"Toolbar","action":"Navigation"}}],"category":"Toolbar","action":"Navigation"}}],"globalMenu":[],"secondary":[{"label":"Education","title":"Education","href":"https://www.benzinga.com/money/education","className":"","color":"","subnav":{"links":[{"label":"Technology Courses","title":"Technology Courses","href":"https://www.benzinga.com/money/education/technology-courses"},{"label":"Investing Courses","title":"Investing Courses","href":"https://www.benzinga.com/money/education/investing-courses"},{"label":"Business Courses","title":"Business Courses","href":"https://www.benzinga.com/money/education/business-courses"}],"category":"Toolbar","action":"Navigation"}},{"label":"B2B","title":"B2B","href":"https://www.benzinga.com/money/saas","className":"","color":""},{"label":"Newsletters","title":"Newsletters","href":"https://www.benzinga.com/free-newsletters","className":"","color":""}]},"simpleArticleLayout":false,"sticky":false},"metaProps":{"author":"Alison Plaut","canonical":"https://www.benzinga.com/money/do-i-need-a-financial-advisor","dateCreated":"2023-08-14T09:59:50.000-04:00","dateUpdated":"2023-08-14T09:59:51.000-04:00","description":"When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan.","dimensions":{"authorName":"Alison Plaut","contentType":"evergreen"},"hrefLanguage":"en","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200\u0026height=800\u0026fit=crop","ogImage":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg?width=1200\u0026height=800\u0026fit=crop","ogType":"article","robots":"","structuredData":{"pageType":"Article"},"title":"Do I Need a Financial Advisor?","vertical":["Personal Finance"]},"post":{"id":265143,"title":"Do I Need a Financial Advisor?","post_type":"post","robots":"","intro":null,"slug":"do-i-need-a-financial-advisor","template":"money","canonical_link":"https://www.benzinga.com/money/do-i-need-a-financial-advisor","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg","taxonomies":[{"term_taxonomy_id":1,"term_id":1,"taxonomy":"category","description":"","parent":0,"count":7685,"term":{"term_id":1,"name":"Uncategorized","slug":"uncategorized"}},{"term_taxonomy_id":8,"term_id":8,"taxonomy":"page-type","description":"","parent":0,"count":3164,"term":{"term_id":8,"name":"Supporting Content","slug":"supporting-content"}},{"term_taxonomy_id":254,"term_id":254,"taxonomy":"verticals","description":"","parent":0,"count":1712,"term":{"term_id":254,"name":"Personal Finance","slug":"personal-finance"}}],"parent":[],"meta":{"title":"Do I Need a Financial Advisor?","description":"When do I need a financial advisor? Read on to understand what to look for in a financial advisor and to use them to create a customized plan.","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/08/14135938/Untitled-design-93-768x384.jpg","author":"Alison Plaut","authorSlug":"alison-plaut","postId":265143,"publishedDate":"2023-08-14T13:59:50.000000Z","modifiedDate":"2023-08-14T13:59:51.000000Z","verifiedUserSlug":null,"verifiedBy":null,"editedUserSlug":null,"editedBy":null,"hrefLanguage":"en"},"breadcrumbs":[{"id":254,"name":"Personal Finance","href":"/money/personal-finance"},{"id":265143,"href":"/money/do-i-need-a-financial-advisor","name":"Do I Need a Financial Advisor?"}],"blocks":[{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eNavigating complex financial situations, from major life events to business ownership, may require extra support. Even investing can seem overwhelming for many people. Financial advisors are professionals specialized in helping you create financial plans that optimize tax savings, manage debt, and build a strong financial future. Just as you need a doctor for medical issues, a financial advisor has specialized expertise you can rely on for financial situations. Read on to answer, \"Do I need a financial advisor?\" for your situation. \u003c/p\u003e\n","html":"Navigating complex financial situations, from major life events to business ownership, may require extra support. Even investing can seem overwhelming for many people. Financial advisors are professionals specialized in helping you create financial plans that optimize tax savings, manage debt, and build a strong financial future. Just as you need a doctor for medical issues, a financial advisor has specialized expertise you can rely on for financial situations. Read on to answer, \"Do I need a financial advisor?\" for your situation. ","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"primary","cta_data":null,"has_placements":false,"placeholder_type":null,"widget":{"ID":301812,"post_author":"5904","post_date":"2024-03-07 16:31:53","post_date_gmt":"2024-03-07 21:31:53","post_content":"\u003c!-- wp:html --\u003e\n\u003cdiv id=\"smartadvisor-captivate-funnel\" data-config=\"https://captivate.smartasset.com/latest/config.json\" data-options=\"progressBar\" data-utms=\"utm_source=benzinga\u0026amp;utm_campaign=apisnippet\u0026amp;utm_content=primary\"\u003e\u003c/div\u003e\u003cscript src=\"https://captivate.smartasset.com/latest/smartadvisor.js\"\u003e\u003c/script\u003e\n\u003c!-- /wp:html --\u003e","post_title":"SmartAsset Captivate Funnel (for primary only)","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"smartasset-captivate-funnel-for-primary-only","to_ping":"","pinged":"","post_modified":"2024-03-07 17:08:27","post_modified_gmt":"2024-03-07 22:08:27","post_content_filtered":"","post_parent":0,"guid":"https://www.benzinga.com/?post_type=widget\u0026#038;p=301812","menu_order":0,"post_type":"widget","post_mime_type":"","comment_count":"0","filter":"raw","blocks":[{"blockName":"core/html","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cdiv id=\"smartadvisor-captivate-funnel\" data-config=\"https://captivate.smartasset.com/latest/config.json\" data-options=\"progressBar\" data-utms=\"utm_source=benzinga\u0026amp;utm_campaign=apisnippet\u0026amp;utm_content=primary\"\u003e\u003c/div\u003e\u003cscript src=\"https://captivate.smartasset.com/latest/smartadvisor.js\"\u003e\u003c/script\u003e\n"}]}},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"acf/table-of-contents","attrs":{"name":"acf/table-of-contents","data":{"label":"Table of contents","headers":[],"default_hide":true,"style":"default","include_tags":[2,3]},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","headers":[{"id":"when-should-you-get-a-financial-advisor","level":"2","text":"When Should You Get a Financial Advisor?","html":"When Should You Get a Financial Advisor?"},{"id":"complex-financial-situation","level":"3","text":"Complex Financial Situation","html":"Complex Financial Situation"},{"id":"major-life-events","level":"3","text":"Major Life Events","html":"Major Life Events"},{"id":"retirement-planning","level":"3","text":"Retirement Planning","html":"Retirement Planning"},{"id":"investment-guidance","level":"3","text":"Investment Guidance","html":"Investment Guidance"},{"id":"debt-management","level":"3","text":"Debt Management","html":"Debt Management"},{"id":"tax-optimization","level":"3","text":"Tax Optimization","html":"Tax Optimization"},{"id":"estate-planning","level":"3","text":"Estate Planning","html":"Estate Planning"},{"id":"business-ownership","level":"3","text":"Business Ownership","html":"Business Ownership"},{"id":"lack-of-time-or-expertise","level":"3","text":"Lack of Time or Expertise","html":"Lack of Time or Expertise"},{"id":"behavioral-coaching","level":"3","text":"Behavioral Coaching","html":"Behavioral Coaching"},{"id":"selecting-the-right-financial-advisor-for-your-needs","level":"2","text":"Selecting The Right Financial Advisor For Your Needs","html":"Selecting The Right Financial Advisor For Your Needs"},{"id":"assess-your-needs-and-goals","level":"3","text":"Assess Your Needs And Goals","html":"Assess Your Needs And Goals"},{"id":"research-and-due-diligence","level":"3","text":"Research And Due Diligence","html":"Research And Due Diligence"},{"id":"understand-compensation-structure","level":"3","text":"Understand Compensation Structure","html":"Understand Compensation Structure"},{"id":"interview-potential-advisors","level":"3","text":"Interview Potential Advisors","html":"Interview Potential Advisors"},{"id":"evaluate-and-make-a-decision","level":"3","text":"Evaluate And Make A Decision","html":"Evaluate And Make A Decision"},{"id":"when-to-get-a-financial-advisor","level":"2","text":"When To Get a Financial Advisor","html":"When To Get a Financial Advisor"},{"id":"frequently-asked-questions","level":"2","text":"Frequently Asked Questions","html":"Frequently Asked Questions"}],"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eWhen Should You Get a Financial Advisor?\u003c/h2\u003e\n","tag":"h2","id":"when-should-you-get-a-financial-advisor","html":"When Should You Get a Financial Advisor?","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eNot everyone needs a financial advisor. If you have a simple financial situation, it may not be necessary. When to get a financial advisor comes down to individual considerations. Here's when you might consider a financial advisor:\u003c/p\u003e\n","html":"Not everyone needs a financial advisor. If you have a simple financial situation, it may not be necessary. When to get a financial advisor comes down to individual considerations. Here's when you might consider a financial advisor:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eComplex Financial Situation\u003c/h3\u003e\n","tag":"h3","id":"complex-financial-situation","html":"Complex Financial Situation","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf your financial situation has become complex due to factors like multiple income sources, investments, properties, or changing tax laws, a financial advisor can help you navigate these complexities.\u0026nbsp;\u003c/p\u003e\n","html":"If your financial situation has become complex due to factors like multiple income sources, investments, properties, or changing tax laws, a financial advisor can help you navigate these complexities.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eMajor Life Events\u003c/h3\u003e\n","tag":"h3","id":"major-life-events","html":"Major Life Events","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eLife events such as marriage, divorce, having children, or inheriting wealth can significantly impact your finances. A financial advisor can guide you in adjusting your financial plan accordingly.\u003c/p\u003e\n","html":"Life events such as marriage, divorce, having children, or inheriting wealth can significantly impact your finances. A financial advisor can guide you in adjusting your financial plan accordingly.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eRetirement Planning\u003c/h3\u003e\n","tag":"h3","id":"retirement-planning","html":"Retirement Planning","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAs you approach retirement, a financial advisor can help you develop a comprehensive retirement plan, including estimating your retirement needs, managing investments, and optimizing Social Security benefits.\u003c/p\u003e\n","html":"As you approach retirement, a financial advisor can help you develop a comprehensive retirement plan, including estimating your retirement needs, managing investments, and optimizing Social Security benefits.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eInvestment Guidance\u003c/h3\u003e\n","tag":"h3","id":"investment-guidance","html":"Investment Guidance","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you're unsure about investing, a financial advisor can assist in creating an investment strategy aligned with your risk tolerance and financial goals. They can also provide ongoing portfolio management. Just ensure that you've chosen a financial advisor with a fiduciary responsibility to protect your interests!\u003c/p\u003e\n","html":"If you're unsure about investing, a financial advisor can assist in creating an investment strategy aligned with your risk tolerance and financial goals. They can also provide ongoing portfolio management. Just ensure that you've chosen a financial advisor with a fiduciary responsibility to protect your interests!","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eDebt Management\u003c/h3\u003e\n","tag":"h3","id":"debt-management","html":"Debt Management","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you're struggling with debt or need a plan to pay off loans efficiently, a financial advisor can provide strategies to manage and reduce your debt. They can work with you to create a customized solution that may allow you to pay off debt more quickly.\u0026nbsp;\u003c/p\u003e\n","html":"If you're struggling with debt or need a plan to pay off loans efficiently, a financial advisor can provide strategies to manage and reduce your debt. They can work with you to create a customized solution that may allow you to pay off debt more quickly.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eTax Optimization\u003c/h3\u003e\n","tag":"h3","id":"tax-optimization","html":"Tax Optimization","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eA financial advisor can help you minimize your tax liability by implementing strategies like tax-efficient investing, estate planning, and utilizing tax-advantaged accounts. Many financial advisors are also CPAs with specialized expertise in maximizing tax advantages.\u0026nbsp;\u003c/p\u003e\n","html":"A financial advisor can help you minimize your tax liability by implementing strategies like tax-efficient investing, estate planning, and utilizing tax-advantaged accounts. Many financial advisors are also CPAs with specialized expertise in maximizing tax advantages.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eEstate Planning\u003c/h3\u003e\n","tag":"h3","id":"estate-planning","html":"Estate Planning","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you have significant assets or want to ensure your estate is distributed according to your wishes, a financial advisor can collaborate with estate planning professionals to create an estate plan to protect your heirs.\u0026nbsp;\u003c/p\u003e\n","html":"If you have significant assets or want to ensure your estate is distributed according to your wishes, a financial advisor can collaborate with estate planning professionals to create an estate plan to protect your heirs.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eBusiness Ownership\u003c/h3\u003e\n","tag":"h3","id":"business-ownership","html":"Business Ownership","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you own a business, a financial advisor can offer guidance on business finances, succession planning, and employee benefits. They may also offer guidance on business loans, tax optimization, and other business-related government incentives.\u0026nbsp;\u003c/p\u003e\n","html":"If you own a business, a financial advisor can offer guidance on business finances, succession planning, and employee benefits. They may also offer guidance on business loans, tax optimization, and other business-related government incentives.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eLack of Time or Expertise\u003c/h3\u003e\n","tag":"h3","id":"lack-of-time-or-expertise","html":"Lack of Time or Expertise","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you don't have the time, interest, or expertise to manage your finances effectively, a financial advisor can provide professional assistance and alleviate the burden. For many people, the peace of mind that comes with not worrying about their finances is more than worth the cost of a financial advisor.\u0026nbsp;\u003c/p\u003e\n","html":"If you don't have the time, interest, or expertise to manage your finances effectively, a financial advisor can provide professional assistance and alleviate the burden. For many people, the peace of mind that comes with not worrying about their finances is more than worth the cost of a financial advisor.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eBehavioral Coaching\u003c/h3\u003e\n","tag":"h3","id":"behavioral-coaching","html":"Behavioral Coaching","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eManaging emotions during market instability is essential for successful investors. A financial advisor can help you stay disciplined during market volatility, preventing emotional decisions that could harm your financial goals.\u003c/p\u003e\n","html":"Managing emotions during market instability is essential for successful investors. A financial advisor can help you stay disciplined during market volatility, preventing emotional decisions that could harm your financial goals.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eSelecting The Right Financial Advisor For Your Needs\u003c/h2\u003e\n","tag":"h2","id":"selecting-the-right-financial-advisor-for-your-needs","html":"Selecting The Right Financial Advisor For Your Needs","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eNot all financial advisors are created equal. You want to hire a fiduciary financial advisor, meaning they are obligated to advise you in your best interests. Other considerations include:\u0026nbsp;\u003c/p\u003e\n","html":"Not all financial advisors are created equal. You want to hire a fiduciary financial advisor, meaning they are obligated to advise you in your best interests. Other considerations include:\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eAssess Your Needs And Goals\u003c/h3\u003e\n","tag":"h3","id":"assess-your-needs-and-goals","html":"Assess Your Needs And Goals","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe importance of self-assessment in determining one's financial needs and goals can highlight where you need additional help. Consider factors like their current financial situation, future aspirations, risk tolerance, and life events. Then, create a list of clear objectives to provide a foundation for selecting the right financial advisor.\u003c/p\u003e\n","html":"The importance of self-assessment in determining one's financial needs and goals can highlight where you need additional help. Consider factors like their current financial situation, future aspirations, risk tolerance, and life events. Then, create a list of clear objectives to provide a foundation for selecting the right financial advisor.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour list might include owning a vacation home, retiring by a certain age, having college savings for your children, paying off debt, or other goals.\u0026nbsp;\u003c/p\u003e\n","html":"Your list might include owning a vacation home, retiring by a certain age, having college savings for your children, paying off debt, or other goals.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eResearch And Due Diligence\u003c/h3\u003e\n","tag":"h3","id":"research-and-due-diligence","html":"Research And Due Diligence","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThorough research on any financial advisor is essential! Common certifications for financial advisers include \u003ca href=\"https://www.cfp.net/\"\u003eCertified Financial Planner (CFP)\u003c/a\u003e, \u003ca href=\"https://www.cfainstitute.org/en/programs/cfa\"\u003eChartered Financial Analyst (CFA)\u003c/a\u003e, or \u003ca href=\"https://www.finra.org/investors/professional-designations/cima\"\u003eCertified Investment Management Analyst (CIMA)\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n","html":"Thorough research on any financial advisor is essential! Common certifications for financial advisers include \u003ca href=\"https://www.cfp.net/\"\u003eCertified Financial Planner (CFP)\u003c/a\u003e, \u003ca href=\"https://www.cfainstitute.org/en/programs/cfa\"\u003eChartered Financial Analyst (CFA)\u003c/a\u003e, or \u003ca href=\"https://www.finra.org/investors/professional-designations/cima\"\u003eCertified Investment Management Analyst (CIMA)\u003c/a\u003e.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf the financial advisor is registered with the SEC, you can \u003ca href=\"https://brokercheck.finra.org/\"\u003echeck if they are fiduciary here\u003c/a\u003e. This is essential, as a non-fiduciary financial advisor is not required to offer you the best advice for your situation. Instead, they may attempt to sell products or services or suggest trades that benefit them but aren't your best choice.\u0026nbsp;\u003c/p\u003e\n","html":"If the financial advisor is registered with the SEC, you can \u003ca href=\"https://brokercheck.finra.org/\"\u003echeck if they are fiduciary here\u003c/a\u003e. This is essential, as a non-fiduciary financial advisor is not required to offer you the best advice for your situation. Instead, they may attempt to sell products or services or suggest trades that benefit them but aren't your best choice.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eTo find trusted financial advisors, you can \u003ca href=\"https://www.plannersearch.org/financial-planner/state\"\u003echeck the Financial Planner directory\u003c/a\u003e, or search online locally. Google, Yelp, and the Yellow Pages can all offer resources. Be sure to check the professionals' credentials, experience and area of expertise, reviews, track record, disciplinary history, and client testimonials. Don't consider a financial planner unless they are fiduciary!\u003c/p\u003e\n","html":"To find trusted financial advisors, you can \u003ca href=\"https://www.plannersearch.org/financial-planner/state\"\u003echeck the Financial Planner directory\u003c/a\u003e, or search online locally. Google, Yelp, and the Yellow Pages can all offer resources. Be sure to check the professionals' credentials, experience and area of expertise, reviews, track record, disciplinary history, and client testimonials. Don't consider a financial planner unless they are fiduciary!","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eUnderstand Compensation Structure\u003c/h3\u003e\n","tag":"h3","id":"understand-compensation-structure","html":"Understand Compensation Structure","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eSome financial advisors charge a flat rate or hourly fee, while others charge commissions per trade or as a percentage of assets under management (AUM). While each option has pros and cons, it's important to have an open and transparent conversation with potential advisors about compensation, ensuring they fully comprehend the costs involved. When making an initial appointment or consultation, ask about the fee structure and how much you can expect to pay for their services.\u003c/p\u003e\n","html":"Some financial advisors charge a flat rate or hourly fee, while others charge commissions per trade or as a percentage of assets under management (AUM). While each option has pros and cons, it's important to have an open and transparent conversation with potential advisors about compensation, ensuring they fully comprehend the costs involved. When making an initial appointment or consultation, ask about the fee structure and how much you can expect to pay for their services.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eHourly fees are the simplest and best for those who may only need limited sessions or general advice. AUM or flat fees may be less costly if you want more comprehensive financial management or for high-net-worth individuals. Per-trade commissions aren't the best structure, as it incentivizes trading, which may not be in your best interest.\u0026nbsp;\u003c/p\u003e\n","html":"Hourly fees are the simplest and best for those who may only need limited sessions or general advice. AUM or flat fees may be less costly if you want more comprehensive financial management or for high-net-worth individuals. Per-trade commissions aren't the best structure, as it incentivizes trading, which may not be in your best interest.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eHowever, the key is understanding potential financial advisors' pricing structure and how it will affect your portfolio and wealth planning.\u0026nbsp;\u003c/p\u003e\n","html":"However, the key is understanding potential financial advisors' pricing structure and how it will affect your portfolio and wealth planning.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eInterview Potential Advisors\u003c/h3\u003e\n","tag":"h3","id":"interview-potential-advisors","html":"Interview Potential Advisors","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eA financial advisor performs an essential role in your financial future. In addition to strong credentials and a history of results, you need to choose someone you can work with. Conducting interviews or consultations with prospective advisors gives you a feeling of whose management style best aligns with your goals.\u0026nbsp;\u003c/p\u003e\n","html":"A financial advisor performs an essential role in your financial future. In addition to strong credentials and a history of results, you need to choose someone you can work with. Conducting interviews or consultations with prospective advisors gives you a feeling of whose management style best aligns with your goals.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou should perform due diligence before meeting any financial advisor. When you go into the meeting, you should know that the financial advisor is:\u003c/p\u003e\n","html":"You should perform due diligence before meeting any financial advisor. When you go into the meeting, you should know that the financial advisor is:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eFiduciary\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eFiduciary\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCertified\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCertified\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eExperienced\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eExperienced\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eWith a portfolio of success\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eWith a portfolio of success\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eFiduciary\u003c/li\u003e\u003cli\u003eCertified\u003c/li\u003e\u003cli\u003eExperienced\u003c/li\u003e\u003cli\u003eWith a portfolio of success\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003eFiduciary\u003c/li\u003e\u003cli\u003eCertified\u003c/li\u003e\u003cli\u003eExperienced\u003c/li\u003e\u003cli\u003eWith a portfolio of success\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eWhen you interview them, you can confirm these points and ask about their expertise, approach, and compatibility. Consider asking:\u003c/p\u003e\n","html":"When you interview them, you can confirm these points and ask about their expertise, approach, and compatibility. Consider asking:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eWhen and where did you get your certification?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eWhen and where did you get your certification?\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eWhy is being fiduciary important to you?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eWhy is being fiduciary important to you?\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eWhat is your area of expertise or specialization?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eWhat is your area of expertise or specialization?\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eWhat is your investment style (aggressive, conservative, etc.)?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eWhat is your investment style (aggressive, conservative, etc.)?\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCan you tell me about portfolios similar to mine that you've managed? What were the results?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCan you tell me about portfolios similar to mine that you've managed? What were the results?\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eBased on my goals, what opportunities do you see in the short and long term?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eBased on my goals, what opportunities do you see in the short and long term?\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eWhen and where did you get your certification?\u003c/li\u003e\u003cli\u003eWhy is being fiduciary important to you?\u003c/li\u003e\u003cli\u003eWhat is your area of expertise or specialization?\u003c/li\u003e\u003cli\u003eWhat is your investment style (aggressive, conservative, etc.)?\u003c/li\u003e\u003cli\u003eCan you tell me about portfolios similar to mine that you've managed? What were the results?\u003c/li\u003e\u003cli\u003eBased on my goals, what opportunities do you see in the short and long term?\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003eWhen and where did you get your certification?\u003c/li\u003e\u003cli\u003eWhy is being fiduciary important to you?\u003c/li\u003e\u003cli\u003eWhat is your area of expertise or specialization?\u003c/li\u003e\u003cli\u003eWhat is your investment style (aggressive, conservative, etc.)?\u003c/li\u003e\u003cli\u003eCan you tell me about portfolios similar to mine that you've managed? What were the results?\u003c/li\u003e\u003cli\u003eBased on my goals, what opportunities do you see in the short and long term?\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eWhen you meet with prospective financial advisors, you can gauge their ability to listen, communicate, and tailor their recommendations to your specific needs. Consider:\u003c/p\u003e\n","html":"When you meet with prospective financial advisors, you can gauge their ability to listen, communicate, and tailor their recommendations to your specific needs. Consider:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eHow well do they respond to your questions rather than give general answers?\u0026nbsp;\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eHow well do they respond to your questions rather than give general answers?\u0026nbsp;\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eDid they take their time with you?\u0026nbsp;\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eDid they take their time with you?\u0026nbsp;\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eDo they have experience with similar goals or similar financial situations?\u0026nbsp;\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eDo they have experience with similar goals or similar financial situations?\u0026nbsp;\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eDo you feel comfortable bringing concerns or doubts to them?\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eDo you feel comfortable bringing concerns or doubts to them?\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eHow well do they respond to your questions rather than give general answers?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDid they take their time with you?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDo they have experience with similar goals or similar financial situations?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDo you feel comfortable bringing concerns or doubts to them?\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003eHow well do they respond to your questions rather than give general answers?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDid they take their time with you?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDo they have experience with similar goals or similar financial situations?\u0026nbsp;\u003c/li\u003e\u003cli\u003eDo you feel comfortable bringing concerns or doubts to them?\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eEvaluate And Make A Decision\u003c/h3\u003e\n","tag":"h3","id":"evaluate-and-make-a-decision","html":"Evaluate And Make A Decision","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eOnce you've spoken to at least two to three financial advisors, it's time to evaluate the information gathered. You can compare proposals, recommendations, and communication styles to determine which advisor aligns best with your goals and preferences.\u0026nbsp;\u003c/p\u003e\n","html":"Once you've spoken to at least two to three financial advisors, it's time to evaluate the information gathered. You can compare proposals, recommendations, and communication styles to determine which advisor aligns best with your goals and preferences.\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eDid one advisor stand out for their unique recommendations, or did they all offer similar advice? Who did you feel most comfortable with? Which advisor has the strongest track record of success in similar situations?\u0026nbsp;\u003c/p\u003e\n","html":"Did one advisor stand out for their unique recommendations, or did they all offer similar advice? Who did you feel most comfortable with? Which advisor has the strongest track record of success in similar situations?\u0026nbsp;","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eTo assess financial advisors, consider:\u003c/p\u003e\n","html":"To assess financial advisors, consider:","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/list","attrs":{"ordered":true,"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThe ability to provide customized solutions\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThe ability to provide customized solutions\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eEthical conduct\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eEthical conduct\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eTrack record of success\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eTrack record of success\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eExpertise related to your situation\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eExpertise related to your situation\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLong-term commitment to your financial well-being\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLong-term commitment to your financial well-being\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eYour comfort in working with them\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eYour comfort in working with them\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCertifications, including stated fiduciary status\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCertifications, including stated fiduciary status\u003c/li\u003e\n"]}],"innerHTML":"\u003col\u003e\u003cli\u003eThe ability to provide customized solutions\u003c/li\u003e\u003cli\u003eEthical conduct\u003c/li\u003e\u003cli\u003eTrack record of success\u003c/li\u003e\u003cli\u003eExpertise related to your situation\u003c/li\u003e\u003cli\u003eLong-term commitment to your financial well-being\u003c/li\u003e\u003cli\u003eYour comfort in working with them\u003c/li\u003e\u003cli\u003eCertifications, including stated fiduciary status\u003c/li\u003e\u003c/ol\u003e","tag":"ol","html":"\u003cli\u003eThe ability to provide customized solutions\u003c/li\u003e\u003cli\u003eEthical conduct\u003c/li\u003e\u003cli\u003eTrack record of success\u003c/li\u003e\u003cli\u003eExpertise related to your situation\u003c/li\u003e\u003cli\u003eLong-term commitment to your financial well-being\u003c/li\u003e\u003cli\u003eYour comfort in working with them\u003c/li\u003e\u003cli\u003eCertifications, including stated fiduciary status\u003c/li\u003e","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThese factors can help you easily select the best financial advisor. If it's not immediately clear, assign each financial advisor a score between zero and five for each of the seven criteria. The financial advisor with the highest total score will be the best choice for your situation.\u003c/p\u003e\n","html":"These factors can help you easily select the best financial advisor. If it's not immediately clear, assign each financial advisor a score between zero and five for each of the seven criteria. The financial advisor with the highest total score will be the best choice for your situation.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eWhen To Get a Financial Advisor\u003c/h2\u003e\n","tag":"h2","id":"when-to-get-a-financial-advisor","html":"When To Get a Financial Advisor","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eNot every life event requires a financial advisor. In fact, in many cases, if you're willing to research and learn about financial planning, you don't need a financial advisor. For example, you could \u003ca href=\"https://www.benzinga.com/money/how-to-open-a-roth-ira\"\u003eset up a Roth IRA\u003c/a\u003e and \u003ca href=\"https://www.benzinga.com/money/how-to-invest-in-index-funds\"\u003einvest in index funds\u003c/a\u003e without the help of a financial advisor. However, if you want to create a comprehensive plan that includes various factors, complex situations, and multiple income streams, a financial advisor can help. To get started, find some of the \u003ca href=\"https://www.benzinga.com/money/best-online-financial-advisors\"\u003ebest online financial advisers\u003c/a\u003e or \u003ca href=\"https://www.benzinga.com/money/best-financial-advisors\"\u003ethe best financial advisers\u003c/a\u003e. You can also consider \u003ca href=\"https://www.benzinga.com/money/best-robo-advisors\"\u003erobo-advisers for investing\u003c/a\u003e.\u003c/p\u003e\n","html":"Not every life event requires a financial advisor. In fact, in many cases, if you're willing to research and learn about financial planning, you don't need a financial advisor. For example, you could \u003ca href=\"https://www.benzinga.com/money/how-to-open-a-roth-ira\"\u003eset up a Roth IRA\u003c/a\u003e and \u003ca href=\"https://www.benzinga.com/money/how-to-invest-in-index-funds\"\u003einvest in index funds\u003c/a\u003e without the help of a financial advisor. However, if you want to create a comprehensive plan that includes various factors, complex situations, and multiple income streams, a financial advisor can help. To get started, find some of the \u003ca href=\"https://www.benzinga.com/money/best-online-financial-advisors\"\u003ebest online financial advisers\u003c/a\u003e or \u003ca href=\"https://www.benzinga.com/money/best-financial-advisors\"\u003ethe best financial advisers\u003c/a\u003e. You can also consider \u003ca href=\"https://www.benzinga.com/money/best-robo-advisors\"\u003erobo-advisers for investing\u003c/a\u003e.","tag":"p","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"primary","cta_data":null,"has_placements":false,"placeholder_type":null,"widget":null},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2\u003eFrequently Asked Questions\u003c/h2\u003e\n","tag":"h2","id":"frequently-asked-questions","html":"Frequently Asked Questions","deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"},{"blockName":"acf/faq","attrs":{"name":"acf/faq","data":{"questions":[{"question_text":"Should I use a financial advisor?","answer_text":"\u003cp\u003eWhether you should use a financial advisor depends on your situation. For many families, a financial advisor can offer guidance and set a direction for tax optimization, investment advice, and more. However, you may not need a financial advisor if you\u0026#8217;re willing to research financial opportunities.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default"},{"question_text":"Should I get a financial advisor?","answer_text":"\u003cp\u003eWhether you should get a financial advisor will depend on your goals and financial situation. If you\u0026#8217;re crossing a major life event, need help with estate planning, or need investment or debt repayment advice, a financial advisor can help.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default"},{"question_text":"Is a financial advisor worth it?","answer_text":"\u003cp\u003eA financial advisor can be worth the cost if they can help set up a tax-optimized investment strategy or create a plan to get out of debt. However, not everyone needs a financial advisor, and often researching simple tax-optimized retirement advice can give you similar results.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default"}],"tailwind_layout":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","faq":[{"answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default","question":"Should I use a financial advisor?","answer":"\u003cp\u003eWhether you should use a financial advisor depends on your situation. For many families, a financial advisor can offer guidance and set a direction for tax optimization, investment advice, and more. However, you may not need a financial advisor if you\u0026#8217;re willing to research financial opportunities.\u003c/p\u003e\n"},{"answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default","question":"Should I get a financial advisor?","answer":"\u003cp\u003eWhether you should get a financial advisor will depend on your goals and financial situation. If you\u0026#8217;re crossing a major life event, need help with estate planning, or need investment or debt repayment advice, a financial advisor can help.\u003c/p\u003e\n"},{"answer_link":"https://www.benzinga.com/widgets/smartasset-captivate-funnel-for-primary-only","author":"","created_at":"2024-03-07","style":"default","question":"Is a financial advisor worth it?","answer":"\u003cp\u003eA financial advisor can be worth the cost if they can help set up a tax-optimized investment strategy or create a plan to get out of debt. However, not everyone needs a financial advisor, and often researching simple tax-optimized retirement advice can give you similar results.\u003c/p\u003e\n"}],"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)","type":"default"}],"campaigns":{"primary":{"widget":{"ID":301812,"post_author":"5904","post_date":"2024-03-07 16:31:53","post_date_gmt":"2024-03-07 21:31:53","post_content":"\u003c!-- wp:html --\u003e\n\u003cdiv id=\"smartadvisor-captivate-funnel\" data-config=\"https://captivate.smartasset.com/latest/config.json\" data-options=\"progressBar\" data-utms=\"utm_source=benzinga\u0026amp;utm_campaign=apisnippet\u0026amp;utm_content=primary\"\u003e\u003c/div\u003e\u003cscript src=\"https://captivate.smartasset.com/latest/smartadvisor.js\"\u003e\u003c/script\u003e\n\u003c!-- /wp:html --\u003e","post_title":"SmartAsset Captivate Funnel (for primary only)","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"smartasset-captivate-funnel-for-primary-only","to_ping":"","pinged":"","post_modified":"2024-03-07 17:08:27","post_modified_gmt":"2024-03-07 22:08:27","post_content_filtered":"","post_parent":0,"guid":"https://www.benzinga.com/?post_type=widget\u0026#038;p=301812","menu_order":0,"post_type":"widget","post_mime_type":"","comment_count":"0","filter":"raw","blocks":[{"blockName":"core/html","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cdiv id=\"smartadvisor-captivate-funnel\" data-config=\"https://captivate.smartasset.com/latest/config.json\" data-options=\"progressBar\" data-utms=\"utm_source=benzinga\u0026amp;utm_campaign=apisnippet\u0026amp;utm_content=primary\"\u003e\u003c/div\u003e\u003cscript src=\"https://captivate.smartasset.com/latest/smartadvisor.js\"\u003e\u003c/script\u003e\n","type":"default"}]}},"secondary":{"has_targeting":true,"placements":[{"id":306108,"type":"campaign","devices":"all-devices","geo_target":""}],"campaigns":{"306108":{"cta_title":"Sign Up For Your First Free Call Today With A Trusted Financial Advisor","cta_description":"Speak about your situation and hear from a matched advisor how they can provide value. No obligation. No cost for first call through Money Pickle.","cta_text":"Sign Up","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"","link_type":"internal","placement_slug":null,"bzgo_link_id":292403,"bzpartner_id":292404,"url":"https://www.benzinga.com/go/money-pickle","go_link_dofollow":0,"partner":"Money Pickle","utm_action":"::Campaign:: `Money Pickle` ::Partner:: `Money Pickle` ::Title:: `Sign Up For Your First Free Call Today With A Trusted Financial Advisor`","href":"https://www.benzinga.com/go/money-pickle","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2024/01/23075952/IMG_3967.jpeg","product_id":null}},"placeholder_type":"secondary"},"floating":{"has_targeting":true,"placements":[{"id":57803,"type":"campaign","devices":"all-devices","geo_target":"GLOBAL","multiplier":"2"},{"id":305651,"type":"campaign","devices":"all-devices","geo_target":"GLOBAL","multiplier":"3"}],"campaigns":{"57803":{"position":"horizontal","cta_title":"SmartAsset Can Help You Find 3 Financial Advisors","cta_description":"SmartAsset's free tool can help you find a fiduciary financial planner to get you on track for retirement.","cta_text":"Get Started","link_type":"internal","placement_country":"","target_device_type":"all-devices","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"","placement_slug":"smartasset","bzgo_link_id":305297,"bzpartner_id":72255,"url":"https://www.benzinga.com/go/smartasset-cta","go_link_dofollow":0,"partner":"SmartAsset","utm_action":"::AdvancedCampaign:: `Personal Finance Default Advanced Campaign` ::Campaign:: `SmartAsset` ::Partner:: `SmartAsset` ::Title:: `SmartAsset Can Help You Find 3 Financial Advisors`","href":"https://www.benzinga.com/go/smartasset-cta","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/01/29212907/smartasset_black.png","product_id":null},"305651":{"cta_title":"Get 4.6% APY On Your Uninvested Cash","cta_description":"Enjoy zero fees, no minimum balance requirements, APYs of up to 4.6%, and deposit insurance coverage of up to $5 million, on your uninvested cash at Public. ","cta_text":"Learn More","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"* Rate subject to change. HYCA Disclosures","link_type":"internal","placement_slug":"public-com-high-yield-cash-account","bzgo_link_id":264430,"bzpartner_id":247065,"url":"https://www.benzinga.com/go/public-com-advanced-campaign","go_link_dofollow":0,"partner":"Public.com","utm_action":"::AdvancedCampaign:: `Personal Finance Default Advanced Campaign` ::Campaign:: `Public.com High Yield Cash Account` ::Partner:: `Public.com` ::Title:: `Get 4.6% APY On Your Uninvested Cash`","href":"https://www.benzinga.com/go/public-com-advanced-campaign","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2023/06/01170410/public-logo.png","product_id":63970}},"display_y_position":400},"popup":{"has_targeting":true,"placements":[{"id":306108,"type":"campaign","devices":"all-devices","geo_target":"GLOBAL","multiplier":"2"},{"id":57803,"type":"campaign","devices":"all-devices","geo_target":"GLOBAL","multiplier":"1"},{"id":187184,"type":"campaign","devices":"all-devices","geo_target":"GLOBAL","multiplier":"1"}],"campaigns":{"57803":{"position":"horizontal","cta_title":"SmartAsset Can Help You Find 3 Financial Advisors","cta_description":"SmartAsset's free tool can help you find a fiduciary financial planner to get you on track for retirement.","cta_text":"Get Started","link_type":"internal","placement_country":"","target_device_type":"all-devices","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"","placement_slug":"smartasset","bzgo_link_id":305297,"bzpartner_id":72255,"url":"https://www.benzinga.com/go/smartasset-cta","go_link_dofollow":0,"partner":"SmartAsset","utm_action":"::AdvancedCampaign:: `Financial Advisors Advanced Campaign` ::Campaign:: `SmartAsset` ::Partner:: `SmartAsset` ::Title:: `SmartAsset Can Help You Find 3 Financial Advisors`","href":"https://www.benzinga.com/go/smartasset-cta","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/01/29212907/smartasset_black.png","product_id":null},"187184":{"cta_title":"Get Matched With a Financial Advisor in Minutes","cta_description":"Take Datalign Advisory's quiz and get matched with a vetted fiduciary specific to your financial goals, free!","cta_text":"See My Advisor","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"\u003cimg src=\"https://api.datalignadvisory.com/px?t=0ClH3h590TBiEHqetFJbEtA\" width=\"1\" height=\"1\" border=\"0\" referrerpolicy=\"no-referrer-when-downgrade\"\u003e\u003c/img\u003e","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"","link_type":"internal","placement_slug":"datalign","bzgo_link_id":187186,"bzpartner_id":0,"url":"https://www.benzinga.com/go/datalign","go_link_dofollow":0,"utm_action":"::AdvancedCampaign:: `Financial Advisors Advanced Campaign` ::Campaign:: `Datalign` ::Title:: `Get Matched With a Financial Advisor in Minutes`","href":"https://www.benzinga.com/go/datalign","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/09/29104946/IMG_3289.png","product_id":null},"306108":{"cta_title":"Sign Up For Your First Free Call Today With A Trusted Financial Advisor","cta_description":"Speak about your situation and hear from a matched advisor how they can provide value. No obligation. No cost for first call through Money Pickle.","cta_text":"Sign Up","cta_btn_type":"button","cta_btn_position":"below_image","impression_tag":"","customize_modal_popup":false,"customize_floating_popup":false,"disclosure":"","link_type":"internal","placement_slug":"money-pickle","bzgo_link_id":292403,"bzpartner_id":292404,"url":"https://www.benzinga.com/go/money-pickle","go_link_dofollow":0,"partner":"Money Pickle","utm_action":"::AdvancedCampaign:: `Financial Advisors Advanced Campaign` ::Campaign:: `Money Pickle` ::Partner:: `Money Pickle` ::Title:: `Sign Up For Your First Free Call Today With A Trusted Financial Advisor`","href":"https://www.benzinga.com/go/money-pickle","image_url":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2024/01/23075952/IMG_3967.jpeg","product_id":null}},"delay":10000},"compare_partners":{"widget":{"ID":109086,"post_author":"5904","post_date":"2021-04-22 15:56:04","post_date_gmt":"2021-04-22 19:56:04","post_content":"\u003c!-- wp:acf/compare-products {\"name\":\"acf/compare-products\",\"data\":{\"compare_products\":[\"292407\",\"64484\",\"411\",\"204626\"],\"_compare_products\":\"block_compare_products\",\"show_product_names\":\"0\",\"_show_product_names\":\"show_product_names\",\"default_open_description\":\"0\",\"_default_open_description\":\"default_open_description\"},\"align\":\"\",\"mode\":\"edit\"} /--\u003e","post_title":"Compare Financial Advisors","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"compare-financial-advisors","to_ping":"","pinged":"","post_modified":"2024-04-03 17:42:26","post_modified_gmt":"2024-04-03 21:42:26","post_content_filtered":"","post_parent":0,"guid":"https://www.benzinga.com/?post_type=widget\u0026#038;p=109086","menu_order":0,"post_type":"widget","post_mime_type":"","comment_count":"0","filter":"raw"},"blocks":[{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[292407,64484,411,204626],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":292407,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2024/01/16143928/4d1de-f0c6-387-3ec7-7a0cc812dab_Money_Pickle_Social_Image-768x432.jpeg","square_image":null,"best_for":"Quick and Convenient Financial Guidance","teaser":"","filters":[],"name":"Money Pickle","link":"https://www.benzinga.com/go/money-pickle","rating":4.2,"review":"https://www.benzinga.com/money/money-pickle-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Money Pickle's website","current_promotion":null,"disclosure":"","button_text":"Get Matched","product_badge_image":false,"go_link_id":292403,"company_id":292405,"company_name":"Money Pickle","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp style=\"font-weight: 400;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eMoney Pickle was founded in 2021 by three Michigan State graduates who wanted to make financial education more accessible and convenient for everyone. The company is registered with the Securities and Exchange Commission (SEC) as an investment adviser, and its CEO is Brenton Thurman. The only advice Money Pickle directly provides is guidance on selecting an investment adviser. \u003c/span\u003e\u003c/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eEssentially, Money Pickle is a referral service for its network of 3rd-party financial advisors. Each advisor are pre-screened to align with specific qualifications. Advisors are expected to follow a code of conduct that emphasizes high ethical standards. Money Pickle-referred professionals are matched to you based on your unique situation, to help you navigate your most pressing financial needs, including retirement planning, investment strategies, estate planning, tax planning, debt management, insurance, wealth preservation and risk management.\u003c/span\u003e\u003c/p\u003e\n\u003cp style=\"font-weight: 400;\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe platform matches users with financial advisors most suitable for their needs and goals utilizing a matchmaking algorithm. Users can conveniently choose the meeting time and receive a video chat link for their scheduled appointment. During the appointment, users are encouraged to ask questions or express concerns, receiving personalized professional guidance regarding their unique financial situation without pressure or obligation to purchase products or services.\u003c/span\u003e\u003c/p\u003e\n","pros":["Easy to use and access from any device","No subscription or membership fees required","No minimum account balance or income level needed","Wide range of topics covered, from investing to retirement planning","Financial advisors who meet strict criteria and standards"],"cons":["Lack of visibility into the cost of ongoing financial advisor services","Financial advisor pool may be limited"],"best_for":["People seeking a convenient way to meet with a financial advisor","People who want unbiased and ethical advice from a fiduciary","People trying financial advisors for the first time without paying hefty fees"],"custom_sec":[]},"phone":"","data":{}},{"id":64484,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/04/01112457/smart-asset.png","square_image":null,"best_for":"Comparing Advisors","teaser":"","filters":{"pricing":0,"account_minimum":0},"name":"SmartAsset Financial Advisors","link":"https://www.benzinga.com/go/smartasset-lead-gen","rating":4.5,"review":"https://www.benzinga.com/money/smartasset-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through SmartAsset Financial Advisors's website","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":294299,"company_id":64485,"company_name":"SmartAsset","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003ca href=\"https://smartasset.com/retirement/find-a-financial-planner?utm_source=benzinga\u0026amp;utm_campaign=ben\u0026amp;utm_content=leadgen\"\u003e\u003cb\u003eSmartAsset’s SmartAdvisor Match tool\u003c/b\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e is an online resource for consumers looking for a financial adviser. All you have to do is complete a survey regarding your age, income, investments and future goals. Once completed, you’ll be matched with up to 3 financial advisors based on geography, investable assets, and willingness to work with a remote advisor. In addition, SmartAsset reaches approximately 75 million people each month (as of September 2021) through its editorial content paired with its interactive calculator tools to help people navigate life’s big personal finance decisions. \u003c/span\u003e\u003c/p\u003e\n","pros":["The ability for an individual investor to be paired with a financial advisor based onbased on geography, investable assets, and willingness to work with a remote advisor","A quick 10-minute questionnaire lets you be paired with up to 3 financial advisors"],"cons":["No mobile app","Little to no information on cryptocurrency, alternative investments or decentralized finance (DeFi)"],"best_for":["Consumers seeking actionable advice from a financial advisor","Working adults ages 45 and older with household income more than $100,000","Curious, savvy consumers looking for higher financial literacy","People who want to feel more confident about their financial future"],"custom_sec":[]},"phone":"","data":{}},{"id":411,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2017/08/29103445/IMG_2868.png","square_image":null,"best_for":"High Net Worth Individuals","teaser":"","filters":{"pricing":0,"account_minimum":[0,100]},"name":"Empower","link":"https://www.benzinga.com/go/personal-capital","rating":4,"review":"https://www.benzinga.com/money/empower-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Empower's website","current_promotion":"Refer a friend and get $20","disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":490,"company_id":412,"company_name":"Empower (formerly Personal Capital)","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEmpower is a digital financial advisory service that offers tools and services beyond the norm. The crux of Empower’s power lies in the intersection of smart financial strategy and state-of-the-art financial technology. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIts high-powered investment management technology makes it an ideal virtual \u003c/span\u003e\u003ca href=\"https://www.benzinga.com/money/financial-advisors/\"\u003e\u003cspan style=\"font-weight: 400;\"\u003efinancial advisor\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e and portfolio manager for high-net-worth individuals. But its financial tools and services can benefit anyone. \u003c/span\u003e\u003c/p\u003e\n","pros":["Handle your portfolio, financial planning and spending accounts with cutting edge digital financial management technology","Panoramic view of your finances on display 24/7 using precise analytics and a dashboard that displays all your accounts together","Executive-level financial planning and investment management"],"cons":["Relatively high minimum balance for investment management services","Fully-comprehensive financial management, including a dedicated relationship with a financial planner","Portfolio customization and estate, legacy and tax services only available at higher tiers that require $200,000 to $1 million minimum in investments"],"best_for":["High-net-worth individuals looking for a comprehensive digital financial manager","Retirement planning","Self-starters who can use the Personal Capital Financial Tools to track finances and set long-term financial goals"],"custom_sec":[]},"phone":"","data":{}},{"id":204626,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/09/29104946/IMG_3289.png","square_image":null,"best_for":"Retirement Advice","teaser":"","filters":[],"name":"Datalign","link":"https://www.benzinga.com/go/datalign","rating":5,"review":"https://www.benzinga.com/money/datalign-advisory-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Datalign's website","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":187186,"company_id":204629,"company_name":"Datalign","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/datalign\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDatalign Advisory\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e is an online platform that \u003c/span\u003e\u003cb\u003ematches people with financial advisers\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e in a way that meets their individual needs. Too many people look online for financial advisers and spend time speaking with advisers who don’t match their needs. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eFor instance, someone who has a small amount of money to invest may not work well with an adviser who primarily advises high-net worth clients. Likewise, someone who needs advice on retirement goals will not see much value in a financial adviser who specializes in high-risk investments. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/datalign\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDatalign Advisory\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e solves this issue by thoroughly vetting both the advisers and clients looking for financial advisers, then matching them based on detailed information.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIf you’re looking for a financial adviser, it only makes sense to use a platform like \u003c/span\u003e\u003ca href=\"https://www.benzinga.com/go/datalign\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eDatalign Advisory\u003c/span\u003e\u003c/a\u003e\u003cspan style=\"font-weight: 400;\"\u003e to find them. The no cost platform will match you with an adviser who can successfully address your needs. But with every platform, there are pros and cons to using it. Here are the pros and cons of the Datalign Advisory platform.\u003c/span\u003e\u003c/p\u003e\n","pros":["Saves time and money by matching you with a suitable financial adviser","Preserves your privacy"],"cons":["The questions the platform asks don’t allow you to go into detail or skip the question if it doesn’t apply to you."],"best_for":["People who need investment advice or need help with investments","People who need advice about retirement","People who need help arranging their finances","People who want to work with a financial adviser"],"custom_sec":[]},"phone":"","data":{}}]}]}},"cornerstone":[],"header":null,"content_header":null,"in_content":null,"in_article_content":null,"sidebar":{"id":91114,"title":"Personal Loans","type":"sidebar","blocks":[{"blockName":"acf/news-cards-list","attrs":{"data":{"title":"Find The Best","article":[{"id":194675,"title":"Best 1-Year CD Rates for November 2024 [Up to 4.50%!]","url":"https://www.benzinga.com/money/best-1-year-cd-rates"},{"id":194966,"title":"Best 6-Month CD Rates for November 2024","url":"https://www.benzinga.com/money/best-6-month-cd-rates"},{"id":194862,"title":"Best 3-month CD Rates for November 2024","url":"https://www.benzinga.com/money/best-3-month-cd-rates"},{"id":12096,"title":"Best High-Yield Savings Accounts of November 2024 [Up to 5.05%!]","url":"https://www.benzinga.com/money/best-high-yield-savings-accounts"},{"id":286481,"title":"Best Savings Accounts For November 2024 [As High As 5.05%!]","url":"https://www.benzinga.com/money/best-savings-accounts"}]}},"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)"},{"blockName":"acf/news-cards-list","attrs":{"data":{"title":"Reviews","article":[{"id":339965,"title":"Origin Financial Review","url":"https://www.benzinga.com/money/origin-financial-review"},{"id":315162,"title":"SoFi Student Loans Review 2024","url":"https://www.benzinga.com/money/sofi-student-loans-review"},{"id":78556,"title":"Credible Review","url":"https://www.benzinga.com/money/credible-review"},{"id":80886,"title":"Luxury Credit Card Review","url":"https://www.benzinga.com/money/luxury-credit-card-review"},{"id":326613,"title":"Step Review","url":"https://www.benzinga.com/money/step-review"}]}},"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)"},{"blockName":"acf/news-cards-list","attrs":{"data":{"title":"Compare","article":[{"id":218663,"title":"CDs vs. Bonds: Which is Better for You?","url":"https://www.benzinga.com/money/cds-vs-bonds"},{"id":60699,"title":"Robo-Advisor vs. Financial Advisor: Which is Better For You?","url":"https://www.benzinga.com/money/financial-advisor-vs-robo-advisor"},{"id":221015,"title":"Money Market Account vs. High-yield Savings Account","url":"https://www.benzinga.com/money/money-market-accounts-vs-savings"},{"id":28052,"title":"TurboTax vs. H\u0026R Block","url":"https://www.benzinga.com/money/turbotax-vs-hr-block"},{"id":30006,"title":"TurboTax vs. TaxAct","url":"https://www.benzinga.com/money/turbotax-vs-taxact"}]}},"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)"},{"blockName":"acf/news-cards-list","attrs":{"data":{"title":"Discover More","article":[{"id":59578,"title":"Investment Advisor vs. Financial Advisor: What’s The Difference?","url":"https://www.benzinga.com/money/financial-advisors-vs-investment-advisor"},{"id":252273,"title":"6 Different Types of Savings Accounts","url":"https://www.benzinga.com/money/different-types-of-savings-accounts"},{"id":12057,"title":"Brokerage Account vs. IRA","url":"https://www.benzinga.com/money/brokerage-account-vs-ira"},{"id":57370,"title":"401(k) Contribution Limits","url":"https://www.benzinga.com/money/401k-contribution-limits"},{"id":61147,"title":"Average Retirement Income By State In 2024","url":"https://www.benzinga.com/money/average-retirement-income"}]}},"deviceType":"desktop","userAgent":"Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 6.0; SLCC1; .NET CLR 2.0.50727; .NET CLR 3.0.04506; .NET CLR 3.5.21022; .NET CLR 1.0.3705; .NET CLR 1.1.4322)"}]},"unmonetized_interstitial":null,"sidebar_placement":null,"left_sidebar":null,"global_footer":{"id":160497,"title":"Advertise With Us","type":"footer","blocks":[{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eWant to advertise with us? \u003ca href=\"https://www.benzinga.com/money/advertise-with-us/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eSend us a message\u003c/a\u003e. \u003c/strong\u003e\u003c/p\u003e\n","html":"\u003cstrong\u003eWant to advertise with us? \u003ca href=\"https://www.benzinga.com/money/advertise-with-us/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eSend us a message\u003c/a\u003e. \u003c/strong\u003e","tag":"p"}]},"content_footer":{"blocks":[{"blockName":"money-author-bio","attrs":{"data":{"user_name":"Alison Plaut","bio":"\u003cp\u003e\u003cb\u003eAlison Plaut\u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003e is a personal finance writer with a sustainable MBA, passionate about helping people learn more about financial basics for wealth building and financial freedom. She has more than 17 years of writing experience, focused on real estate and mortgage, business, personal finance, and investing. Her work has been published in The Motley Fool, MoneyLion, and she is a regular contributor for Benzinga. \u003c/span\u003e\u003c/p\u003e\n","type":"author","image":"https://secure.gravatar.com/avatar/e771d152567ed9b1b117e5aed9006f28?s=96\u0026d=mm\u0026r=g","url":"https://www.benzinga.com/money/author/alison-plaut"}},"innerBlocks":[],"innerHTML":"","type":"default"}]},"footer":{"id":94075,"title":"Financial Advisor Article Footer","type":"footer","blocks":[{"blockName":"core/heading","attrs":{"level":4,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch4\u003eFind a Financial Advisor That’s Right for You\u003c/h4\u003e\n","tag":"h4","id":"find-a-financial-advisor-thats-right-for-you","html":"Find a Financial Advisor That’s Right for You"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThere are plenty of financial advisors, but only some that fit your financial goals and preferences. By taking this \u003ca href=\"http://www.benzinga.com/go/smartasset\"\u003e3 minute questionnaire\u003c/a\u003e, Datalign Advisory will match you with a vetted fiduciary financial advisor that can serve both in-person or remote, and specialize in all types of financial planning. If you are ready to secure your financial future with a trusted advisor that’s right for you, take the \u003ca href=\"http://www.benzinga.com/go/smartasset\"\u003equestionnaire\u003c/a\u003e now.\u003c/p\u003e\n","html":"There are plenty of financial advisors, but only some that fit your financial goals and preferences. By taking this \u003ca href=\"http://www.benzinga.com/go/smartasset\"\u003e3 minute questionnaire\u003c/a\u003e, Datalign Advisory will match you with a vetted fiduciary financial advisor that can serve both in-person or remote, and specialize in all types of financial planning. If you are ready to secure your financial future with a trusted advisor that’s right for you, take the \u003ca href=\"http://www.benzinga.com/go/smartasset\"\u003equestionnaire\u003c/a\u003e now.","tag":"p"}]},"layout":{"settings":{"cache_max_age":0,"display_y_position":0,"show_author_credentials":false,"floating_cta_hide":false,"footer_hide":false,"hide_article_footer":false,"hide_article_header":false,"hide_navigation_bar":false,"hide_menu_bar_items":false,"simple_article_title":false,"hide_quotes_searchbar":false,"hide_sidebar_placement":false,"hide_sidebar":false,"hide_site_footer":false,"ignore_compare_products_popup":false,"is_root_path":false,"no_direct_partnership":false,"popup_delay":0,"popup_hide":false,"post_alternative_title":"","post_exclusive_partner":"","post_update_frequency":"","post_verified_by_user":null,"banner_text":"","banner_link":"","menu_location":null}},"surrogate_keys":"campaign:306108 campaign:306108 campaign:57803 campaign:187184 category:uncategorized page-type:supporting-content verticals:personal-finance post-id:265143","styles":""},"template":"money"},"__N_SSP":true},"page":"/[...slug]","query":{"slug":["money","do-i-need-a-financial-advisor"]},"buildId":"QxnXI8wkpkXYf1wXFOuO6","assetPrefix":"/money-build","isFallback":false,"isExperimentalCompile":false,"gssp":true,"scriptLoader":[]}</script></body></html>