How To Choose A Financial Advisor

<!DOCTYPE html> <html lang="en-US" xmlns:og="http://ogp.me/ns#" xmlns:fb="http://ogp.me/ns/fb#"> <head><link rel="preload" href="https://mktp-base.mktplatforms.com/js/base-3.13.9.js" as="script"> <script type="text/javascript" id="pageLevelData" class="pageLevelData lib-p-1"> var pageLevelDatalayer = {"AuthorName":"Taylor Tepper","authorId":"160","AuthorRole":"Senior Writer, Banking and Investing","PrimaryCategory":"Investing","SecondaryCategory":"","TertiaryCategory":"","PublishedDate":"May 30, 2023","UpdatedDate":"Aug 29, 2024","TemplateName":"Optimized Header v1","PartnersOnPage":"","WidgetShortcodeName":"toc_section | faq_block | simple_tables | cta_builder | quote | ask_the_expert","RA_Feed":"0"} </script> <script> window.annotationBaseKey = "ecomBase"; window.annotationKey = "ecom"; window.ecomBase = window.ecomBase || {}; Object.assign(window.ecomBase, {"environment":"prod","version":"3.13.9","gaId":"G-HY3LZWHH6W","title":"How To Choose A Financial Advisor – Forbes Advisor","endpoint":null,"tidPrefix":"FA","trafficSource":"external","conversionEventName":"Conversion","sst":true,"ssgtmUrl":"https://mktp-base.mktplatforms.com","annotationTrackingKey":"ecom","blob":"==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","libraryEndpoint":"https://mktp-base.mktplatforms.com/js"}); </script> <script async src="https://www.googletagmanager.com/gtag/js?id=G-HY3LZWHH6W"></script> <script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} </script> <script id="ecom_script_funcs">function ecomLibraryOnError(){(window.dataLayer=window.dataLayer || []).push({event: "ecomt", ReferenceText: "GTM|LibraryFailed"});}</script> <script src="https://mktp-base.mktplatforms.com/js/base-3.13.9.js" onerror="ecomLibraryOnError()"></script> <script async src="https://www.forbes.com/advisor/wp-content/plugins/mktp-base-switcher/js/validator.min.js?v=1738753134"></script> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=no" > <link href="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/favicon.png" rel="shortcut icon"> <title>How To Choose A Financial Advisor – Forbes Advisor</title> <meta name='robots' content='max-image-preview:large' /> <link rel="preconnect" href="https://www.googletagmanager.com" crossOrigin><link rel="preconnect" href="https://fonts.gstatic.com" crossOrigin><link rel="preconnect" href="https://fonts.googleapis.com" crossOrigin><link rel="preconnect" href="https://i.forbesimg.com" crossOrigin><link rel="preconnect" href="https://www.google-analytics.com" crossOrigin><link rel="preconnect" href="https://consent.trustarc.com" crossOrigin><link rel="preconnect" href="https://www.clarity.ms" crossOrigin><link rel="preconnect" href="https://bat.bing.com" crossOrigin><link rel="preconnect" href="https://secure.quantserve.com" crossOrigin><link rel="dns-prefetch" href="https://www.googletagmanager.com" ><link rel="dns-prefetch" href="https://fonts.gstatic.com" ><link rel="dns-prefetch" href="https://fonts.googleapis.com" ><link rel="dns-prefetch" href="https://i.forbesimg.com" ><link rel="dns-prefetch" href="https://www.google-analytics.com" ><link rel="dns-prefetch" href="https://consent.trustarc.com" ><link rel="dns-prefetch" href="https://www.clarity.ms" ><link rel="dns-prefetch" href="https://bat.bing.com" ><link rel="dns-prefetch" href="https://secure.quantserve.com" ><style id='author-v2-byline-hoverover-style-inline-css' type='text/css'> #authorBylineModalContainer{background-color:rgba(0,0,0,.8);height:100%;left:0;overflow-x:hidden;position:fixed;top:0;width:100%;z-index:9999999}#authorBylineModalContainer .author-byline-modal{left:50%;max-width:804px;overflow-y:auto;padding:0 34px;position:absolute;top:50%;transform:translate(-50%,-50%);transition:all .3s;width:100%}#authorBylineModalContainer .author-byline-modal .author-modal-content{background:#fcfcfc;border-radius:4px;height:auto;max-height:395px;overflow-y:auto;overscroll-behavior:contain;padding:16px;scrollbar-color:#e2e8f0 transparent;scrollbar-width:thin;width:100%}#authorBylineModalContainer .author-close-btn{position:absolute;right:38px;top:4px}.author-modal{height:100%;overflow:hidden}.author-modal .current-modal #authorBylineModalContainer{display:block}.hover-bio-wrapper{background-color:#fff;border:1px solid #ededed;border-radius:.5rem;border-radius:4px;box-shadow:0 1px 2px 0 rgba(0,0,0,.251);color:#000;font-family:EuclidCircularB,serif,arial;font-size:14px;line-height:22px;opacity:0;padding:16px;position:absolute;top:0;transition-delay:.15s;transition-property:opacity;width:500px;z-index:41}#authorBylineModalContainer .top-content,.hover-bio-wrapper .top-content{align-items:center;border-bottom:1px solid #ededed;display:flex;justify-content:flex-start;margin-bottom:16px}@media screen and (min-width:1024px){#authorBylineModalContainer .top-content,.hover-bio-wrapper .top-content{align-items:center;display:flex}}#authorBylineModalContainer .top-content .author_img-wrap,.hover-bio-wrapper .top-content .author_img-wrap{height:64px;margin-bottom:16px;margin-right:0;width:64px}@media screen and (min-width:1024px){#authorBylineModalContainer .top-content .author_img-wrap,.hover-bio-wrapper .top-content .author_img-wrap{margin-bottom:16px}}#authorBylineModalContainer .top-content .author_img-wrap img,.hover-bio-wrapper .top-content .author_img-wrap img{height:100%;-o-object-fit:cover;object-fit:cover;width:100%}@media screen and (min-width:1024px){#authorBylineModalContainer .top-content .author_img-wrap img,.hover-bio-wrapper .top-content .author_img-wrap img{border-radius:100%;display:block;-o-object-position:top;object-position:top}}#authorBylineModalContainer .top-content .author-details-wrap,.hover-bio-wrapper .top-content .author-details-wrap{margin-bottom:19px;padding:3px 0 0 16px}#authorBylineModalContainer .top-content .author-details-wrap>*,.hover-bio-wrapper .top-content .author-details-wrap>*{display:block;font-family:Work Sans,sans-serif;font-size:14px;text-transform:capitalize}@media screen and (min-width:1024px){#authorBylineModalContainer .top-content .author-details-wrap,.hover-bio-wrapper .top-content .author-details-wrap{align-items:flex-start;display:flex;flex:1;flex-direction:column;justify-content:center}}#authorBylineModalContainer .top-content .author-details-wrap .author-name,.hover-bio-wrapper .top-content .author-details-wrap .author-name{color:#007ac8;font-size:16px;font-weight:600;line-height:26px;text-transform:capitalize}@media screen and (min-width:1024px){#authorBylineModalContainer .top-content .author-details-wrap .author-name,.hover-bio-wrapper .top-content .author-details-wrap .author-name{pointer-events:auto}}#authorBylineModalContainer .top-content .author-details-wrap .author-name:hover,.hover-bio-wrapper .top-content .author-details-wrap .author-name:hover{text-decoration:underline}#authorBylineModalContainer .top-content .author-details-wrap .author-role,.hover-bio-wrapper .top-content .author-details-wrap .author-role{color:#333;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;text-transform:capitalize}#authorBylineModalContainer .top-content .author-details-wrap .author-role:hover,.hover-bio-wrapper .top-content .author-details-wrap .author-role:hover{text-decoration:none}#authorBylineModalContainer .top-content .prefix-text,.hover-bio-wrapper .top-content .prefix-text{font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;line-height:15px;text-transform:uppercase}#authorBylineModalContainer .middle-content,.hover-bio-wrapper .middle-content{color:#333;font-family:Georgia,sans-serif;font-size:14px;font-weight:400;line-height:24px;text-transform:none}@media screen and (min-width:1024px){#authorBylineModalContainer .middle-content,.hover-bio-wrapper .middle-content{line-height:20px}}#authorBylineModalContainer .bottom-content,.hover-bio-wrapper .bottom-content{align-items:center;display:flex;justify-content:space-between;margin-top:16px}#authorBylineModalContainer .bottom-content .show-more-bio-wrap,#authorBylineModalContainer .bottom-content .social-icon-wrap,.hover-bio-wrapper .bottom-content .show-more-bio-wrap,.hover-bio-wrapper .bottom-content .social-icon-wrap{align-items:center;display:flex}#authorBylineModalContainer .bottom-content .show-more-bio-wrap,.hover-bio-wrapper .bottom-content .show-more-bio-wrap{padding:10px 12px}#authorBylineModalContainer .bottom-content .show-more-bio-wrap img,.hover-bio-wrapper .bottom-content .show-more-bio-wrap img{height:24px;margin-left:8px;width:24px}#authorBylineModalContainer .bottom-content .social-icon-wrap img,.hover-bio-wrapper .bottom-content .social-icon-wrap img{border-radius:0;height:24px;margin:8px;width:24px}#authorBylineModalContainer .bottom-content .social-icon-wrap li,.hover-bio-wrapper .bottom-content .social-icon-wrap li{height:40px;width:40px}#authorBylineModalContainer .bottom-content .social-icon-wrap li:hover,.hover-bio-wrapper .bottom-content .social-icon-wrap li:hover{background-color:#eff1f8;border-radius:50%}#authorBylineModalContainer .bottom-content .show-more-bio-wrap,.hover-bio-wrapper .bottom-content .show-more-bio-wrap{text-decoration:none!important}#authorBylineModalContainer .bottom-content .show-more-bio-wrap .see-full-bio-text,.hover-bio-wrapper .bottom-content .show-more-bio-wrap .see-full-bio-text{color:#007ac8;font-family:Work Sans,sans-serif;font-size:14px;font-weight:600;line-height:16.8px;margin-top:3px;text-transform:capitalize}#landmarkTemplate .color-band .author_right_container .designation,#landmarkTemplate .color-band .author_right_container .name>a,#landmarkTemplate .color-band .author_right_container .title-wrap,#landmarkTemplate .color-band .more-author .text{color:#fff}#landmarkTemplate .color-band .more-author .arrow-icon{border-color:#fff}#landmarkTemplate .color-band .hover-bio-wrapper .author-details-wrap .author-name{color:#000!important}#landmarkTemplate .color-band .hover-bio-wrapper .author-details-wrap .author-role{color:#737373!important}#landmarkTemplate .color-band #authorBylineModalContainer .author-details-wrap .author-name{color:#000!important}#landmarkTemplate .color-band #authorBylineModalContainer .author-details-wrap .author-role{color:#737373!important} /*! purgecss start ignore */.author-byline-style .author-byline-hoverover{position:relative}.author-byline-style .author-byline-hoverover:hover .hover-bio-wrapper{cursor:auto;display:block;left:0;max-width:550px;opacity:1;top:18px;width:32vw}.author-byline-style .author-byline-hoverover:hover .hover-bio-wrapper:before{background-color:#fcfcfc;border-color:#e5e5e5 transparent transparent #e5e5e5;border-style:solid;border-width:1px;content:"";display:none;height:10px;position:absolute;top:-6px;transform:translateX(-50%) rotate(45deg);width:10px}@media screen and (min-width:1024px){.author-byline-style .author-byline-hoverover:hover .hover-bio-wrapper:after{background-color:transparent;content:"";height:20px;left:0;position:absolute;top:-7px;width:100%}}.author-byline-style .primary-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper{left:-4px;top:50px}.author-byline-style .primary-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper:before{left:25px}.author-byline-style .primary-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper:after{top:-11px}.author-byline-style .primary-author .name.author-byline-hoverover:hover .hover-bio-wrapper{left:-23px;top:23px}.author-byline-style .primary-author .name.author-byline-hoverover:hover .hover-bio-wrapper:before{left:27px}.author-byline-style .co-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper{left:-4px;top:50px}.author-byline-style .co-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper:before{left:27px}.author-byline-style .co-author .author_img-wrap.author-byline-hoverover:hover .hover-bio-wrapper:after{top:-11px}.author-byline-style .co-author .name.author-byline-hoverover:hover .hover-bio-wrapper{left:-65px;top:23px}.author-byline-style .co-author .name.author-byline-hoverover:hover .hover-bio-wrapper:before{left:68px}.author-byline-style .author-img-badge:hover .hover-bio-wrapper{left:-140px;top:50px}.author-byline-style .author-img-badge:hover .hover-bio-wrapper:before{left:160px}.author-byline-style .author-img-badge:hover .hover-bio-wrapper:after{top:-11px}.author-byline-style .author-badge-name:hover .hover-bio-wrapper{left:-161px;top:23px}.author-byline-style .author-badge-name:hover .hover-bio-wrapper:before{left:166px} /*! purgecss end ignore */ </style> <style id='quote-style-inline-css' type='text/css'> .blockquote{background:#fff url("data:image/svg+xml;base64,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") no-repeat left 45px top 40px;border:1px solid #dadada;border-radius:16px;border-top:none;box-shadow:4px 12px 40px 6px rgba(0,0,0,.03);font-family:EuclidCircularB,sans-serif!important;font-size:24px;line-height:36px;margin:25px auto;max-width:770px;overflow:hidden;padding:38px 40px 30px 120px;position:relative}@media (max-width:1023px){.blockquote{background-position:24px 24px;background-size:24px;font-size:20px;line-height:26px;margin:20px auto;padding:64px 24px 24px}}.blockquote p{margin:0}.blockquote:before{background-color:#4657a1!important;content:"";height:8px;left:0;position:absolute;top:0;width:100%}.blockquote ul{margin:0 0 20px}.blockquote ul li{font-family:Georgia,Arial,Helvetica,sans-serif;font-size:18px;line-height:23px;padding-left:30px;position:relative}.blockquote ul li:before{background-color:#4759b2!important;border-radius:50%;content:"";display:inline-block;height:8px;left:6px;position:absolute;top:7px;width:8px}@media (max-width:1023px){.blockquote ul li{font-size:16px;line-height:20px}}.page-template .blockquote,.post-template .blockquote,.post-template-default .blockquote{background:#fff url("data:image/svg+xml;base64,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") no-repeat left 45px top 40px;font-family:Georgia,serif!important}.page-template .blockquote:before,.post-template .blockquote:before,.post-template-default .blockquote:before{background:#007ac8!important}.page-template .blockquote a,.post-template .blockquote a,.post-template-default .blockquote a{color:#007ac8}@media (max-width:1023px){.page-template .blockquote,.post-template .blockquote,.post-template-default .blockquote{background-position:24px 24px;background-size:24px}} </style> <style id='ask-the-experts-style-inline-css' type='text/css'> /*! normalize.css v8.0.1 | MIT License | github.com/necolas/normalize.css */a{background-color:transparent}img{border-style:none}h2,h3,h4,p{margin:0}*,:after,:before{border:0 solid #aaa;box-sizing:border-box}img{border-style:solid}h2,h3,h4{font-size:inherit;font-weight:inherit}a{color:inherit;text-decoration:inherit}img{display:block;height:auto;max-width:100%;vertical-align:middle}.bg-F5F7FF{background-color:#f5f7ff}.bg-askTheExpert-activeTab{background-color:#e6eafa}.bg-gray-400{background-color:#777}.border-askTheExpert-accent{border-color:#44549c}.rounded-full{border-radius:9999px}.rounded-4px{border-radius:4px}.rounded-12px{border-radius:12px}.border-t-4{border-top-width:4px}.cursor-pointer{cursor:pointer}.flex{display:flex}.flex-col{flex-direction:column}.items-center{align-items:center}.justify-between{justify-content:space-between}.flex-grow{flex-grow:1}.flex-shrink-0{flex-shrink:0}.font-euclidcircularb{font-family:EuclidCircularB,sans-serif}.h-40px{height:40px}.h-82px{height:82px}.my-20px{margin-bottom:20px;margin-top:20px}.mr-4px{margin-right:4px}.mb-4px{margin-bottom:4px}.mt-8px{margin-top:8px}.mr-8px{margin-right:8px}.last\:mr-0:last-child{margin-right:0}.overflow-hidden{overflow:hidden}.overflow-x-auto{overflow-x:auto}.p-16px{padding:16px}.py-20px{padding-bottom:20px;padding-top:20px}.px-24px{padding-left:24px;padding-right:24px}.pr-8px{padding-right:8px}.pt-12px{padding-top:12px}.relative{position:relative}.shadow-askTheExpertBlock{box-shadow:0 4px 12px rgba(0,0,0,.25)}.text-left{text-align:left}.text-black900{color:#333}.w-full{width:100%}.w-40px{width:40px}.w-240px{width:240px}@keyframes spin{to{transform:rotate(1turn)}}@keyframes ping{75%,to{opacity:0;transform:scale(2)}}@keyframes pulse{50%{opacity:.5}}@keyframes bounce{0%,to{animation-timing-function:cubic-bezier(.8,0,1,1);transform:translateY(-25%)}50%{animation-timing-function:cubic-bezier(0,0,.2,1);transform:none}}@keyframes iconsSlide{0%{opacity:0;transform:translateX(-1000px)}to{opacity:1;transform:translateX(0)}}.ask-the-expert-block{font-family:EuclidCircularB,sans-serif}.ask-the-expert-block .ate-widget-subheading{border-style:none;color:#737373;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;letter-spacing:1.5px;line-height:22px;margin-bottom:4px;padding:0;text-transform:uppercase}.ask-the-expert-block .ask-the-expert-titles-wrapper .ate-widget-main-heading{border-style:none;color:#333;font-family:EuclidCircularB,sans-serif;font-size:32px;font-weight:700;line-height:35px;margin:0 0 32px;padding:0}.ask-the-expert-block .ask-the-expert-titles-wrapper .ate-widget-main-heading.h3{font-size:24px;line-height:26px;margin-bottom:24px}.ask-the-expert-block .ask-the-expert-titles-wrapper .ate-widget-main-heading.h4{font-size:22px;line-height:24px;margin-bottom:22px}@media (min-width:1024px){.ask-the-expert-block .ask-the-expert-titles-wrapper .ate-widget-main-heading{font-size:40px;line-height:44px;margin-bottom:40px}.ask-the-expert-block .ask-the-expert-titles-wrapper .ate-widget-main-heading.h3{font-size:30px;line-height:33px;margin-bottom:30px}}.ask-the-expert-block .expert-img{height:100%;-o-object-fit:cover;object-fit:cover}.ask-the-expert-block .expert-info{overflow-x:hidden}.ask-the-expert-block .expert-title{color:#333;font-size:16px;font-weight:700;line-height:22px;margin:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.ask-the-expert-block .expert-title.link{color:#44549c;max-width:100%}.ask-the-expert-block .expert-title.link:hover{text-decoration:underline}.ask-the-expert-block .expert-designation{color:#737373;font-size:14px;font-weight:400;line-height:21px;margin:0;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.ask-the-expert-block .expert-card-wrapper::-webkit-scrollbar{display:none}@supports not selector(::-webkit-scrollbar){.ask-the-expert-block .expert-card-wrapper{scrollbar-width:none}}@media (min-width:1024px){.ask-the-expert-block .expert-card-wrapper{width:20%}@supports not selector(::-webkit-scrollbar){.ask-the-expert-block .expert-card-wrapper{scrollbar-color:#e6eafa transparent;scrollbar-width:auto}}.ask-the-expert-block .expert-card-wrapper::-webkit-scrollbar{background:transparent;display:block;width:7px}.ask-the-expert-block .expert-card-wrapper::-webkit-scrollbar-thumb{background:#e6eafa;border:2px solid #f5f7ff;border-radius:10px}}.ask-the-expert-block .expert-details-wrapper{flex:2;position:sticky}.ask-the-expert-block .expert-details-content{border-radius:4px;flex:1 1 0%;flex-direction:column;font-family:EuclidCircularB,sans-serif;height:325px;justify-content:space-between;margin-right:2px;padding:16px 6px 10px 12px;width:100%}@media (min-width:1024px){.ask-the-expert-block .expert-details-content{height:100%;margin-right:0;padding:12px 32px}}@supports not selector(::-webkit-scrollbar){.ask-the-expert-block .expert-details-content{padding-right:18px;scrollbar-color:#fcfcfc transparent}@media (min-width:1024px){.ask-the-expert-block .expert-details-content{padding-right:32px}}}.ask-the-expert-block .expert-details-content::-webkit-scrollbar-track-piece{margin-top:7px}.ask-the-expert-block .ate-top-content{flex:1 1 0%;overflow-y:scroll;position:relative}@media (min-width:1024px){.ask-the-expert-block .ate-top-content{overflow-y:auto}}.ask-the-expert-block .ate-top-content .expert-description-title{border-style:none;color:#333;font-size:20px;font-weight:700;line-height:28px;margin:0 0 8px;padding:0}@media (min-width:1024px){.ask-the-expert-block .ate-top-content .expert-description-title{margin-bottom:4px}}.ask-the-expert-block .ate-top-content .expert-description-title.h3{font-size:24px;line-height:32px}.ask-the-expert-block .ate-top-content .expert-description-title.h2{font-size:28px;line-height:36px}.ask-the-expert-block .bottom-gradient{height:0;position:sticky;top:0;width:100%}.ask-the-expert-block .bottom-gradient:after{background:linear-gradient(0deg,#e6eafa,rgba(230,234,250,0));bottom:0;content:"";display:block;height:30px;pointer-events:none;position:absolute;transform:translateY(-6px);width:100%}@media (min-width:1024px){.ask-the-expert-block .bottom-gradient:after{height:28px;transform:translateY(-12px)}}.ask-the-expert-block .ate-bottom-content{align-items:center;align-self:flex-start;display:flex;max-width:100%;overflow:hidden}.ask-the-expert-block .ate-bottom-expert-info{align-items:flex-start;display:flex;flex-direction:column;overflow:hidden}.ask-the-expert-block ::-webkit-scrollbar{background:transparent;width:12px}.ask-the-expert-block ::-webkit-scrollbar-thumb{background:#fcfcfc;border:2px solid #e6eafa;border-radius:10px}.ask-the-expert-block .active{background-color:#e6eafa}.ask-the-expert-block .none{display:none}@-moz-document url-prefix(){.ask-the-expert-block .expert-description{padding-right:12px}}.intro-content.applyfade .intro-content-inner .ask-the-expert-block{margin-inline:10px}@media (min-width:1024px){.intro-content.applyfade .intro-content-inner .ask-the-expert-block{margin-inline:0}}.ask-the-expert-block .expert-description>:last-child{margin-bottom:14px}.ask-the-expert-block .expert-description p{color:#525150;font-size:14px;font-weight:400;line-height:21px;margin:0;margin-bottom:15px}.ask-the-expert-block .expert-description blockquote,.ask-the-expert-block .expert-description em,.ask-the-expert-block .expert-description li,.ask-the-expert-block .expert-description span,.ask-the-expert-block .expert-description strong{color:#525150;font-family:EuclidCircularB,sans-serif;font-size:14px;line-height:21px}.ask-the-expert-block .expert-description a{color:#44549c;font-size:inherit;font-weight:inherit;line-height:inherit}.ask-the-expert-block .expert-description strong{font-weight:700}.ask-the-expert-block .expert-description img{display:block;height:auto;max-width:100%}.ask-the-expert-block .expert-description pre{color:#525150;font-size:14px;line-height:21px}.ask-the-expert-block .expert-description h3{border-style:none;color:#333;font-size:24px;font-weight:700;line-height:32px;margin-bottom:8px;padding:0}@media (min-width:1024px){.ask-the-expert-block .expert-description h3{margin-bottom:4px}}.ask-the-expert-block .expert-description h4{border-style:none;color:#333;font-size:20px;font-weight:700;line-height:28px;margin-bottom:8px;padding:0}@media (min-width:1024px){.ask-the-expert-block .expert-description h4{margin-bottom:4px}}.ask-the-expert-block .expert-description h5,.ask-the-expert-block .expert-description h6{border-style:none;font-weight:600;line-height:1.5;margin:0;padding:0}.ask-the-expert-block .expert-description h5{font-size:15px}@media (min-width:1024px){.ask-the-expert-block .expert-description h5{font-size:19px}}.ask-the-expert-block .expert-description h6{font-size:14px}@media (min-width:1024px){.ask-the-expert-block .expert-description h6{font-size:18px}}.ask-the-expert-block .expert-description ul{margin:0}.ask-the-expert-block .expert-description ul li{list-style-type:none;margin-bottom:10px;padding-left:0;padding-left:18px;position:relative}.ask-the-expert-block .expert-description ul li:before{background-color:#4759b2;border-radius:50%;content:"";display:inline-block;height:6px;left:4px;position:absolute;top:8px;width:6px}.ask-the-expert-block .expert-description ul li:last-child{margin-bottom:10px}.ask-the-expert-block .expert-description ol{margin:0}.ask-the-expert-block .expert-description ol li{list-style-type:decimal;margin-bottom:15px;margin-left:18px}.ask-the-expert-block .expert-description .media-credit{text-align:left}.ask-the-expert-block .ate-top-content .expert-description h2{border-style:none;color:#333;font-size:28px;font-weight:700;line-height:36px;margin-bottom:8px;padding:0}@media (min-width:1024px){.ask-the-expert-block .ate-top-content .expert-description h2{margin-bottom:4px}}.post-template-single-top-n-non-cc-v3-blade .ask-the-expert-block .ate-top-content .expert-description ol li{list-style-position:outside;margin-left:18px}.page-template .ask-the-expert-block,.post-template .ask-the-expert-block,.post-template-default .ask-the-expert-block{background:#fff;border:1px solid #ededed;border-top:4px solid #ededed;box-shadow:none}.page-template .ask-the-expert-block.active,.post-template .ask-the-expert-block.active,.post-template-default .ask-the-expert-block.active{background:#e2e8f0}.page-template .ask-the-expert-block .author-card,.post-template .ask-the-expert-block .author-card,.post-template-default .ask-the-expert-block .author-card{background-color:#f3f5fb}.page-template .ask-the-expert-block .author-card.active,.post-template .ask-the-expert-block .author-card.active,.post-template-default .ask-the-expert-block .author-card.active{background:#e2e8f0}.page-template .ask-the-expert-block .ate-widget-subheading,.post-template .ask-the-expert-block .ate-widget-subheading,.post-template-default .ask-the-expert-block .ate-widget-subheading{color:#333;font-family:Work Sans,sans-serif}.page-template .ask-the-expert-block .ate-widget-main-heading,.page-template .ask-the-expert-block .expert-title,.post-template .ask-the-expert-block .ate-widget-main-heading,.post-template .ask-the-expert-block .expert-title,.post-template-default .ask-the-expert-block .ate-widget-main-heading,.post-template-default .ask-the-expert-block .expert-title{font-family:Work Sans,sans-serif}.page-template .ask-the-expert-block .expert-designation,.post-template .ask-the-expert-block .expert-designation,.post-template-default .ask-the-expert-block .expert-designation{color:#333;font-family:Work Sans,sans-serif}.page-template .ask-the-expert-block .expert-details-wrapper,.post-template .ask-the-expert-block .expert-details-wrapper,.post-template-default .ask-the-expert-block .expert-details-wrapper{background:#e2e8f0}.page-template .ask-the-expert-block .ate-top-content .expert-description,.post-template .ask-the-expert-block .ate-top-content .expert-description,.post-template-default .ask-the-expert-block .ate-top-content .expert-description{font-family:Georgia,serif}.page-template .ask-the-expert-block .ate-top-content .expert-description strong,.post-template .ask-the-expert-block .ate-top-content .expert-description strong,.post-template-default .ask-the-expert-block .ate-top-content .expert-description strong{color:#333;font-family:Georgia,serif}.page-template .ask-the-expert-block .ate-top-content .expert-description a,.post-template .ask-the-expert-block .ate-top-content .expert-description a,.post-template-default .ask-the-expert-block .ate-top-content .expert-description a{color:#007ac8}.page-template .ask-the-expert-block .ate-top-content .expert-description ul li:before,.post-template .ask-the-expert-block .ate-top-content .expert-description ul li:before,.post-template-default .ask-the-expert-block .ate-top-content .expert-description ul li:before{background-color:#007ac8}.page-template .ask-the-expert-block .expert-title.link,.post-template .ask-the-expert-block .expert-title.link,.post-template-default .ask-the-expert-block .expert-title.link{color:#007ac8}.page-template .ask-the-expert-block .bottom-gradient:after,.post-template .ask-the-expert-block .bottom-gradient:after,.post-template-default .ask-the-expert-block .bottom-gradient:after{background:linear-gradient(0deg,#e2e8f0,rgba(230,234,250,0))}.page-template .ask-the-expert-block .ate-bottom-expert-info,.post-template .ask-the-expert-block .ate-bottom-expert-info,.post-template-default .ask-the-expert-block .ate-bottom-expert-info{font-family:Work Sans,sans-serif}@media (min-width:1024px){.lg\:flex-row{flex-direction:row}.lg\:flex-col{flex-direction:column}.lg\:flex-1{flex:1 1 0%}.lg\:h-254px{height:254px}.lg\:h-82px{height:82px}.lg\:my-24px{margin-bottom:24px;margin-top:24px}.lg\:mr-0{margin-right:0}.lg\:mb-0{margin-bottom:0}.lg\:mr-4px{margin-right:4px}.lg\:mb-4px{margin-bottom:4px}.lg\:mt-14px{margin-top:14px}.lg\:last\:mb-0:last-child{margin-bottom:0}.lg\:max-w-320px{max-width:320px}.lg\:p-40px{padding:40px}.lg\:pt-36px{padding-top:36px}.lg\:w-auto{width:auto}} </style> <script async>function redirectLink(n){n&&window.open(n,'_blank')}</script><script type="text/javascript" id="partner-names-config-js-after"> /* <![CDATA[ */ window.partnerConfig = {"links":{"https:\/\/liferoccapital.com":"LifeRoc","https:\/\/welcome.better.com":"Better.com","http:\/\/policygenius.go2cloud.org":"Policy Genius","https:\/\/www.squaremouth.com":"Squaremouth","https:\/\/sproutt.go2cloud.org":"Sproutt","https:\/\/forbesadvisor.quote.simplybusiness.com":"Simply Business US","https:\/\/auto.everquote.com":"EverQuote","https:\/\/www.lemonade.com":"Lemonade","https:\/\/www.credible.com":"Credible","https:\/\/insurance.mediaalpha.com":"Media Alpha","https:\/\/www.financeads.net":"Gemini","https:\/\/oc.brcclx.com":"Bankrate","https:\/\/www.anrdoezrs.net":"Experian","https:\/\/petinsurance.advisor.forbes.com":"Pet Insurer","https:\/\/accounts.binance.us":"Binance US","https:\/\/www.binance.com":"Binance","https:\/\/coinbase-consumer.sjv.io":"Impact","https:\/\/related.forbes.com":"Bankrate","https:\/\/click.linksynergy.com":"Rakuten","\/click-8860193-":"Commission Junction"},"bankrate_lid":{"26669616":"Robinhood"}} /* ]]> */ </script> <script type="text/javascript"> var ajaxurl = "https://www.forbes.com/advisor/wp-admin/admin-ajax.php"; </script> <script type="text/javascript"> var ajaxurl = 'https://www.forbes.com/advisor/wp-admin/admin-ajax.php'; </script> <link rel="canonical" href="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/"/><script>(function () { if ( typeof window.CustomEvent === "function" ) return false; function CustomEvent ( event, params ) { params = params || { bubbles: false, cancelable: false, detail: null }; var evt = document.createEvent( 'CustomEvent' ); evt.initCustomEvent( event, params.bubbles, params.cancelable, params.detail ); return evt; } window.CustomEvent = CustomEvent; })();</script><script> window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} dataLayer.push({ 'AuthorName': 'Taylor Tepper', 'AuthorRole': 'Senior Writer, Banking and Investing', 'PrimaryCategory': 'Investing', 'SecondaryCategory': '', 'TertiaryCategory': '', 'PublishedDate': 'May 30, 2023', 'UpdatedDate': 'Aug 29, 2024', 'RA_Feed': '0', 'TemplateName': 'Optimized Header v1', }); dataLayer.push({ 'cd': { 'AuthorName': 'Taylor Tepper', 'AuthorRole': 'Senior Writer, Banking and Investing', 'PrimaryCategory': 'Investing', 'SecondaryCategory': '', 'TertiaryCategory': '', 'PublishedDate': 'May 30, 2023', 'UpdatedDate': 'Aug 29, 2024', 'RA_Feed': '0', 'TemplateName': 'Optimized Header v1', } }); </script>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-PLP9KFC');</script>  <link rel="alternate" href="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/" hreflang="en-us" /><link rel="alternate" href="https://www.forbes.com/uk/advisor/investing/how-to-choose-a-financial-advisor/" hreflang="en-gb" /><link rel="alternate" href="https://www.forbes.com/advisor/in/personal-finance/how-to-choose-a-financial-advisor/" hreflang="en-in" /><link rel="alternate" href="https://www.forbes.com/advisor/au/investing/how-to-choose-a-financial-advisor/" hreflang="en-au" /><script type="text/javascript" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/dist/js/cmpscript.min.js?ver=1719406993"></script><script> window.__mpResponseHeaders = (function () { let isProduction = true; if (isProduction === false) { let headers = { 'x-postal-code': '10001', 'x-country-code': 'us', 'x-region': 'ny', 'x-city-code': 'leesburg', }; dispatchGeoHeadersSetEvent(headers); return headers; } const makeRequest = function () { const request = new XMLHttpRequest(); request.open('HEAD', "https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/assets\/img\/ZipImage\/1x1.jpg", false); request.send(null); return request; } const collectAllResponseHttpHeaders = function (response) { const result = {}; response.getAllResponseHeaders().toLowerCase().split('\n').forEach((header) => { let index = header.indexOf(':'); if(index !== -1){ let headerName = header.substring(0, index).trim(); let headerValue = header.substring(index + 1).trim(); if (!!headerName && !!headerValue) { result[headerName] = headerValue; } } }); return result; } const filterGeoHeaders = function (headers) { const filteredHeaders = {}; for (let headersKey in headers) { let hasWhitelistedHeader = ['x-postal-code', 'x-region', 'x-country-code', 'x-city-code'].includes(headersKey); if (hasWhitelistedHeader) { filteredHeaders[headersKey] = headers[headersKey]; } } return filteredHeaders; } function dispatchGeoHeadersSetEvent(headers){ window.dispatchEvent( new CustomEvent('geoHeadersSet', { detail: headers }) ); } const response = makeRequest(); const responseHeaders = collectAllResponseHttpHeaders(response); const filteredHeaders = filterGeoHeaders(responseHeaders); dispatchGeoHeadersSetEvent(filteredHeaders); return filteredHeaders; })(); </script><ra-title title='How To Choose A Financial Advisor'></ra-title><meta name="format-detection" content="telephone=no" /><meta name="google-site-verification" content="jGqy0685OfScYI_CPpQIY0veB6wppKqi8yiG6FipWBM" /><meta name="fo-verify" content="66cd52e3-8bd5-41b7-a018-a83982c07dc5"><link rel="alternate" type="application/rss+xml" href= "https://www.forbes.com/advisor/feed/"><link rel="icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-32x32.png" sizes="32x32" /> <link rel="icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-192x192.png" sizes="192x192" /> <link rel="apple-touch-icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-180x180.png" /> <meta name="msapplication-TileImage" content="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-270x270.png" /> <style type="text/css" id="wp-custom-css"> /* HotFix: Legal Attorney Widget Mobile Fix :: 05-09-24 */ @media (max-width: 768px) { .legal-premium-listing-block .legal-premium-listing-wrapper .card-bottom-wrap { max-height: none !important; } } </style> <meta name="description" content="Find the perfect financial advisor for your needs. Our guide provides expert tips on evaluating credentials, assessing experience, and understanding fees. Make informed decisions for your financial future."/>   <meta property="og:site_name" content="Forbes Advisor"/> <meta property="og:title" content="How To Choose A Financial Advisor"/> <meta property="og:url" content="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/"/> <meta property="og:type" content="article"/> <meta property="og:description" content="A financial advisor can optimize your investment portfolio, manage your cash flow and prioritize long-term savings goals. The key is to pick one who puts your financial interests first and can remain calm during rocky times. Related: Find A Financial Advisor In 3 minutes Step 1: Realize You"/> <meta property="og:image" content="https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png"/> <meta property="og:image:url" content="https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png"/> <meta property="og:image:secure_url" content="https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png"/> <meta property="article:published_time" content="2023-05-30T17:19:51-04:00"/> <meta property="article:modified_time" content="2025-01-23T13:15:35-05:00" /> <meta property="og:updated_time" content="2025-01-23T13:15:35-05:00" /> <meta property="article:section" content="Investing"/> <meta property="fb:app_id" content="123694841080850"/>  <meta name="twitter:title" content="How To Choose A Financial Advisor"/> <meta name="twitter:url" content="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/"/> <meta name="twitter:description" content="A financial advisor can optimize your investment portfolio, manage your cash flow and prioritize long-term savings goals. The key is to pick one who puts your financial interests first and can remain calm during rocky times. Related: Find A Financial Advisor In 3 minutes Step 1: Realize You"/> <meta name="twitter:image" content="https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@forbes"/>  <meta name="author" content="Taylor Tepper"/>    <style> /*assets/dist/optimised-header-v1.min.css*/ /*! normalize.css v8.0.1 | MIT License | github.com/necolas/normalize.css */html{-webkit-text-size-adjust:100%;line-height:1.15}body{margin:0}main{display:block}h1{font-size:2em;margin:.67em 0}hr{box-sizing:content-box;height:0;overflow:visible}pre{font-family:monospace,monospace;font-size:1em}a{background-color:transparent}b,strong{font-weight:bolder}code{font-family:monospace,monospace;font-size:1em}small{font-size:80%}sub{bottom:-.25em;font-size:75%;line-height:0;position:relative;vertical-align:baseline}img{border-style:none}button,input,select,textarea{font-family:inherit;font-size:100%;line-height:1.15;margin:0}button,input{overflow:visible}button,select{text-transform:none}[type=button],[type=reset],[type=submit],button{-webkit-appearance:button}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border-style:none;padding:0}[type=button]:-moz-focusring,[type=reset]:-moz-focusring,[type=submit]:-moz-focusring,button:-moz-focusring{outline:1px dotted ButtonText}fieldset{padding:.35em .75em .625em}legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}progress{vertical-align:baseline}textarea{overflow:auto}[type=checkbox],[type=radio]{box-sizing:border-box;padding:0}[type=number]::-webkit-inner-spin-button,[type=number]::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}[type=search]::-webkit-search-decoration{-webkit-appearance:none}details{display:block}summary{display:list-item}[hidden],template{display:none}blockquote,figure,h1,h2,h3,h4,h5,h6,hr,p,pre{margin:0}button{background-color:transparent;background-image:none}button:focus{outline:1px dotted;outline:5px auto -webkit-focus-ring-color}fieldset,ol,ul{margin:0;padding:0}ol,ul{list-style:none}html{font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji;line-height:1.5}*,:after,:before{border:0 solid #aaa;box-sizing:border-box}hr{border-top-width:1px}img{border-style:solid}textarea{resize:vertical}input::-moz-placeholder,textarea::-moz-placeholder{color:#a0aec0}input::placeholder,textarea::placeholder{color:#a0aec0}[role=button],button{cursor:pointer}table{border-collapse:collapse}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;text-decoration:inherit}button,input,select,textarea{color:inherit;line-height:inherit;padding:0}code,pre{font-family:Menlo,Monaco,Consolas,Liberation Mono,Courier New,monospace}iframe,img,object,svg{display:block;vertical-align:middle}img{height:auto;max-width:100%}.container{width:100%}@media (min-width:640px){.container{max-width:640px}}@media (min-width:768px){.container{max-width:768px}}@media (min-width:1024px){.container{max-width:1024px}}@media (min-width:1280px){.container{max-width:1280px}}.bg-black900{background-color:#333}.bg-blue{background-color:#4657a1}.bg-blue100{background-color:#f8fafc}.bg-blue900{background-color:#4759b2}.bg-white{background-color:#fff}.bg-3A5CB0{background-color:#3a5cb0}.bg-transparent{background-color:transparent}.bg-F5F7FF{background-color:#f5f7ff}.bg-F1F5F9{background-color:#f1f5f9}.bg-25A85E{background-color:#25a85e}.bg-FFFFFF{background-color:#fff}.bg-E9EEF5{background-color:#e9eef5}.bg-askTheExpert-activeTab{background-color:#e6eafa}.bg-gray-200{background-color:#dadada}.bg-gray-300{background-color:#aaa}.bg-gray-400{background-color:#777}.bg-gray-500{background-color:#f5f6f6}.bg-gray-600{background-color:#f5f5f5}.bg-searchModal-300{background-color:#4657a1}.bg-searchModal-400{background-color:#24326e}.bg-searchPage-400{background-color:#35b782}.hover\:bg-searchPage-600:hover{background-color:#32a274}.bg-none{background-image:none}.bg-center{background-position:50%}.bg-right-top{background-position:100% 0}.bg-no-repeat{background-repeat:no-repeat}.bg-cover{background-size:cover}.bg-contain{background-size:contain}.border-collapse{border-collapse:collapse}.border-black{border-color:#000}.border-blue{border-color:#4657a1}.border-blue900{border-color:#4759b2}.border-white{border-color:#fff}.border-C7C7C7{border-color:#c7c7c7}.border-askTheExpert-accent{border-color:#44549c}.border-gray-200{border-color:#dadada}.border-gray-700{border-color:#d3d3d3}.border-searchModal-400{border-color:#24326e}.border-searchPage-200{border-color:#cbd5e1}.border-searchPage-300{border-color:#ddd}.rounded{border-radius:.25rem}.rounded-lg{border-radius:.5rem}.rounded-xl{border-radius:.75rem}.rounded-2xl{border-radius:1rem}.rounded-full{border-radius:9999px}.rounded-4px{border-radius:4px}.rounded-26px{border-radius:26px}.rounded-12px{border-radius:12px}.rounded-t-lg{border-top-left-radius:.5rem;border-top-right-radius:.5rem}.border-solid{border-style:solid}.border-none{border-style:none}.border-1{border-width:1px}.border-4{border-width:4px}.border{border-width:1px}.border-t-0{border-top-width:0}.border-b-1{border-bottom-width:1px}.border-t-2{border-top-width:2px}.border-r-2{border-right-width:2px}.border-b-2{border-bottom-width:2px}.border-b-3{border-bottom-width:3px}.border-t-4{border-top-width:4px}.border-b-4{border-bottom-width:4px}.border-t{border-top-width:1px}.border-b{border-bottom-width:1px}.box-content{box-sizing:content-box}.cursor-default{cursor:default}.cursor-pointer{cursor:pointer}.block{display:block}.inline-block{display:inline-block}.inline{display:inline}.flex{display:flex}.inline-flex{display:inline-flex}.table{display:table}.table-row{display:table-row}.hidden{display:none}.flex-row{flex-direction:row}.flex-col{flex-direction:column}.flex-col-reverse{flex-direction:column-reverse}.flex-wrap{flex-wrap:wrap}.items-start{align-items:flex-start}.items-end{align-items:flex-end}.items-center{align-items:center}.items-baseline{align-items:baseline}.content-start{align-content:flex-start}.self-start{align-self:flex-start}.self-end{align-self:flex-end}.justify-start{justify-content:flex-start}.justify-end{justify-content:flex-end}.justify-center{justify-content:center}.justify-between{justify-content:space-between}.flex-1{flex:1 1 0%}.flex-auto{flex:1 1 auto}.flex-none{flex:none}.flex-grow{flex-grow:1}.flex-shrink-0{flex-shrink:0}.flex-shrink{flex-shrink:1}.clearfix:after{clear:both;content:"";display:table}.font-serif{font-family:Georgia,Cambria,Times New Roman,Times,serif}.font-merriweather{font-family:Merriweather,serif}.font-georgia{font-family:Georgia,serif}.font-work-sans{font-family:Work Sans,sans-serif}.font-euclidcircularb{font-family:EuclidCircularB,sans-serif}.font-light{font-weight:300}.font-normal{font-weight:400}.font-medium{font-weight:500}.font-semibold{font-weight:600}.font-bold{font-weight:700}.h-0{height:0}.h-5{height:1.25rem}.h-6{height:1.5rem}.h-12{height:3rem}.h-24{height:6rem}.h-40{height:10rem}.h-full{height:100%}.h-screen{height:100vh}.h-11px{height:11px}.h-14px{height:14px}.h-16px{height:16px}.h-18px{height:18px}.h-27px{height:27px}.h-40px{height:40px}.h-45px{height:45px}.h-56px{height:56px}.h-70px{height:70px}.h-72px{height:72px}.h-75px{height:75px}.h-25px{height:25px}.h-195px{height:195px}.h-82px{height:82px}.text-xs{font-size:.75rem}.text-sm{font-size:.875rem}.text-base{font-size:1rem}.text-lg{font-size:1.125rem}.text-xl{font-size:1.25rem}.text-2xl{font-size:1.5rem}.text-3xl{font-size:1.875rem}.text-5xl{font-size:3rem}.text-6px{font-size:6px}.text-10px{font-size:10px}.text-11px{font-size:11px}.text-12px{font-size:12px}.text-14px{font-size:14px}.text-16px{font-size:16px}.text-18px{font-size:18px}.text-20px{font-size:20px}.text-22px{font-size:22px}.text-24px{font-size:24px}.text-25px{font-size:25px}.text-28px{font-size:28px}.text-30px{font-size:30px}.text-32px{font-size:32px}.text-35px{font-size:35px}.text-48px{font-size:48px}.leading-3{line-height:.75rem}.leading-4{line-height:1rem}.leading-5{line-height:1.25rem}.leading-6{line-height:1.5rem}.leading-7{line-height:1.75rem}.leading-8{line-height:2rem}.leading-normal{line-height:1.5}.leading-relaxed{line-height:1.625}.leading-14px{line-height:14px}.leading-15px{line-height:15px}.leading-16px{line-height:16px}.leading-18px{line-height:18px}.leading-20px{line-height:20px}.leading-21px{line-height:21px}.leading-22px{line-height:22px}.leading-23px{line-height:23px}.leading-24px{line-height:24px}.leading-25px{line-height:25px}.leading-26px{line-height:26px}.leading-27px{line-height:27px}.leading-28px{line-height:28px}.leading-30px{line-height:30px}.leading-32px{line-height:32px}.leading-34px{line-height:34px}.leading-38px{line-height:38px}.leading-40px{line-height:40px}.leading-42px{line-height:42px}.leading-44px{line-height:44px}.leading-53px{line-height:53px}.list-inside{list-style-position:inside}.list-none{list-style-type:none}.m-0{margin:0}.my-0{margin-bottom:0;margin-top:0}.my-3{margin-bottom:.75rem;margin-top:.75rem}.mx-5{margin-left:1.25rem;margin-right:1.25rem}.my-6{margin-bottom:1.5rem;margin-top:1.5rem}.mx-auto{margin-left:auto;margin-right:auto}.-mx-4{margin-left:-1rem;margin-right:-1rem}.-mx-5{margin-left:-1.25rem;margin-right:-1.25rem}.my-6px{margin-bottom:6px;margin-top:6px}.mx-15px{margin-left:15px;margin-right:15px}.my-16px{margin-bottom:16px;margin-top:16px}.mx-16px{margin-left:16px;margin-right:16px}.my-20px{margin-bottom:20px;margin-top:20px}.my-24px{margin-bottom:24px;margin-top:24px}.mt-0{margin-top:0}.mr-0{margin-right:0}.mb-0{margin-bottom:0}.mt-1{margin-top:.25rem}.mr-1{margin-right:.25rem}.mb-1{margin-bottom:.25rem}.mt-2{margin-top:.5rem}.mr-2{margin-right:.5rem}.mb-2{margin-bottom:.5rem}.ml-2{margin-left:.5rem}.mr-3{margin-right:.75rem}.mb-3{margin-bottom:.75rem}.ml-3{margin-left:.75rem}.mt-4{margin-top:1rem}.mr-4{margin-right:1rem}.mb-4{margin-bottom:1rem}.mt-5{margin-top:1.25rem}.mr-5{margin-right:1.25rem}.mb-5{margin-bottom:1.25rem}.ml-5{margin-left:1.25rem}.mt-6{margin-top:1.5rem}.mb-6{margin-bottom:1.5rem}.mt-8{margin-top:2rem}.mb-8{margin-bottom:2rem}.mt-10{margin-top:2.5rem}.mb-10{margin-bottom:2.5rem}.ml-10{margin-left:2.5rem}.mr-12{margin-right:3rem}.mb-12{margin-bottom:3rem}.mt-20{margin-top:5rem}.mb-20{margin-bottom:5rem}.-mt-2{margin-top:-.5rem}.-mt-3{margin-top:-.75rem}.ml-0px{margin-left:0}.mr-4px{margin-right:4px}.mb-4px{margin-bottom:4px}.ml-5px{margin-left:5px}.mt-8px{margin-top:8px}.mr-8px{margin-right:8px}.mb-8px{margin-bottom:8px}.ml-8px{margin-left:8px}.mb-3px{margin-bottom:3px}.mt-6px{margin-top:6px}.mr-6px{margin-right:6px}.mb-6px{margin-bottom:6px}.ml-6px{margin-left:6px}.mt-10px{margin-top:10px}.mr-10px{margin-right:10px}.mb-10px{margin-bottom:10px}.mt-12px{margin-top:12px}.mr-12px{margin-right:12px}.mb-12px{margin-bottom:12px}.ml-12px{margin-left:12px}.mt-13px{margin-top:13px}.mt-14px{margin-top:14px}.mt-15px{margin-top:15px}.mb-15px{margin-bottom:15px}.mt-16px{margin-top:16px}.mr-16px{margin-right:16px}.mb-16px{margin-bottom:16px}.mr-18px{margin-right:18px}.mt-19px{margin-top:19px}.mb-19px{margin-bottom:19px}.mt-20px{margin-top:20px}.mr-20px{margin-right:20px}.mb-20px{margin-bottom:20px}.mb-22px{margin-bottom:22px}.mt-23px{margin-top:23px}.mt-24px{margin-top:24px}.mb-24px{margin-bottom:24px}.mt-25px{margin-top:25px}.mr-25px{margin-right:25px}.mb-26px{margin-bottom:26px}.mt-28px{margin-top:28px}.mb-28px{margin-bottom:28px}.mt-30px{margin-top:30px}.mb-30px{margin-bottom:30px}.ml-30px{margin-left:30px}.mb-32px{margin-bottom:32px}.mb-35px{margin-bottom:35px}.mb-36px{margin-bottom:36px}.mt-39px{margin-top:39px}.mb-38px{margin-bottom:38px}.mb-40px{margin-bottom:40px}.mt-44px{margin-top:44px}.mt-50px{margin-top:50px}.mr-50px{margin-right:50px}.mt-60px{margin-top:60px}.mb-60px{margin-bottom:60px}.ml-60px{margin-left:60px}.mt-m15px{margin-top:-15px}.last\:mr-0:last-child{margin-right:0}.max-h-full{max-height:100%}.max-w-xs{max-width:20rem}.max-w-full{max-width:100%}.max-w-screen-xl{max-width:1280px}.max-w-275px{max-width:275px}.max-w-730px{max-width:730px}.max-w-1080px{max-width:1080px}.max-w-1170px{max-width:1170px}.min-w-50px{min-width:50px}.focus\:outline-none:focus,.outline-none{outline:2px solid transparent;outline-offset:2px}.overflow-hidden{overflow:hidden}.overflow-x-auto{overflow-x:auto}.p-0{padding:0}.p-1{padding:.25rem}.p-2{padding:.5rem}.p-4{padding:1rem}.p-5{padding:1.25rem}.p-6{padding:1.5rem}.p-3px{padding:3px}.p-4px{padding:4px}.p-5px{padding:5px}.p-12px{padding:12px}.p-14px{padding:14px}.p-15px{padding:15px}.p-16px{padding:16px}.p-20px{padding:20px}.p-30px{padding:30px}.py-0{padding-bottom:0;padding-top:0}.px-0{padding-left:0;padding-right:0}.px-1{padding-left:.25rem;padding-right:.25rem}.px-2{padding-left:.5rem;padding-right:.5rem}.py-3{padding-bottom:.75rem;padding-top:.75rem}.px-3{padding-left:.75rem;padding-right:.75rem}.py-4{padding-bottom:1rem;padding-top:1rem}.px-4{padding-left:1rem;padding-right:1rem}.py-5{padding-bottom:1.25rem;padding-top:1.25rem}.px-5{padding-left:1.25rem;padding-right:1.25rem}.py-6{padding-bottom:1.5rem;padding-top:1.5rem}.py-8{padding-bottom:2rem;padding-top:2rem}.px-8{padding-left:2rem;padding-right:2rem}.px-10{padding-left:2.5rem;padding-right:2.5rem}.px-16{padding-left:4rem;padding-right:4rem}.px-20{padding-left:5rem;padding-right:5rem}.py-3px{padding-bottom:3px;padding-top:3px}.px-4px{padding-left:4px;padding-right:4px}.py-5px{padding-bottom:5px;padding-top:5px}.px-6px{padding-left:6px;padding-right:6px}.px-7px{padding-left:7px;padding-right:7px}.py-8px{padding-bottom:8px;padding-top:8px}.px-8px{padding-left:8px;padding-right:8px}.py-10px{padding-bottom:10px;padding-top:10px}.px-10px{padding-left:10px;padding-right:10px}.py-11px{padding-bottom:11px;padding-top:11px}.px-11px{padding-left:11px;padding-right:11px}.py-12px{padding-bottom:12px;padding-top:12px}.px-15px{padding-left:15px;padding-right:15px}.py-16px{padding-bottom:16px;padding-top:16px}.px-16px{padding-left:16px;padding-right:16px}.py-17px{padding-bottom:17px;padding-top:17px}.py-18px{padding-bottom:18px;padding-top:18px}.py-20px{padding-bottom:20px;padding-top:20px}.px-20px{padding-left:20px;padding-right:20px}.py-24px{padding-bottom:24px;padding-top:24px}.px-24px{padding-left:24px;padding-right:24px}.px-25px{padding-left:25px;padding-right:25px}.py-30px{padding-bottom:30px;padding-top:30px}.py-40px{padding-bottom:40px;padding-top:40px}.py-44px{padding-bottom:44px;padding-top:44px}.pt-0{padding-top:0}.pr-0{padding-right:0}.pl-0{padding-left:0}.pr-2{padding-right:.5rem}.pt-3{padding-top:.75rem}.pb-3{padding-bottom:.75rem}.pl-3{padding-left:.75rem}.pt-4{padding-top:1rem}.pb-4{padding-bottom:1rem}.pl-4{padding-left:1rem}.pt-5{padding-top:1.25rem}.pb-5{padding-bottom:1.25rem}.pl-5{padding-left:1.25rem}.pt-6{padding-top:1.5rem}.pr-6{padding-right:1.5rem}.pb-6{padding-bottom:1.5rem}.pt-8{padding-top:2rem}.pb-8{padding-bottom:2rem}.pt-12{padding-top:3rem}.pb-12{padding-bottom:3rem}.pb-16{padding-bottom:4rem}.pt-2px{padding-top:2px}.pb-2px{padding-bottom:2px}.pl-3px{padding-left:3px}.pt-4px{padding-top:4px}.pl-4px{padding-left:4px}.pt-5px{padding-top:5px}.pb-6px{padding-bottom:6px}.pl-6px{padding-left:6px}.pr-7px{padding-right:7px}.pt-8px{padding-top:8px}.pr-8px{padding-right:8px}.pl-8px{padding-left:8px}.pt-10px{padding-top:10px}.pr-10px{padding-right:10px}.pb-10px{padding-bottom:10px}.pl-10px{padding-left:10px}.pt-12px{padding-top:12px}.pb-12px{padding-bottom:12px}.pt-13px{padding-top:13px}.pb-14px{padding-bottom:14px}.pt-16px{padding-top:16px}.pr-16px{padding-right:16px}.pb-16px{padding-bottom:16px}.pr-17px{padding-right:17px}.pl-17px{padding-left:17px}.pt-20px{padding-top:20px}.pr-20px{padding-right:20px}.pb-20px{padding-bottom:20px}.pl-20px{padding-left:20px}.pb-24px{padding-bottom:24px}.pl-24px{padding-left:24px}.pr-25px{padding-right:25px}.pb-25px{padding-bottom:25px}.pl-25px{padding-left:25px}.pt-30px{padding-top:30px}.pb-30px{padding-bottom:30px}.pt-34px{padding-top:34px}.pb-34px{padding-bottom:34px}.pl-34px{padding-left:34px}.pb-40px{padding-bottom:40px}.pb-55px{padding-bottom:55px}.placeholder-searchModal-100::-moz-placeholder{color:#7083d4}.placeholder-searchModal-100::placeholder{color:#7083d4}.pointer-events-none{pointer-events:none}.static{position:static}.fixed{position:fixed}.absolute{position:absolute}.relative{position:relative}.top-0{top:0}.right-0{right:0}.bottom-0{bottom:0}.left-0{left:0}.resize{resize:both}.shadow-articleBtn{box-shadow:0 4px 12px rgba(0,0,0,.2)}.shadow-dropdownContent{box-shadow:0 2px 8px rgba(0,0,0,.12)}.shadow-askTheExpertBlock{box-shadow:0 4px 12px rgba(0,0,0,.25)}.fill-icon-share{fill:#959595}.fill-icon-close{fill:#fff}.group:hover .group-hover\:fill-icon-facebook{fill:#365899}.group:hover .group-hover\:fill-icon-twitter{fill:#1d9bf0}.group:hover .group-hover\:fill-icon-linkedin{fill:#0a66c2}.group:hover .group-hover\:fill-icon-email{fill:#ffc000}.text-left{text-align:left}.text-center{text-align:center}.text-right{text-align:right}.text-181716{color:#181716}.text-333333{color:#333}.text-334155{color:#334155}.text-828282{color:#828282}.text-primary{color:#2b58a2}.text-black{color:#000}.text-black900{color:#333}.text-blue{color:#4657a1}.text-blue900{color:#4759b2}.text-darkBlue{color:#0b1d73}.text-lightBlue{color:#ced4f2}.text-white{color:#fff}.text-neutral{color:#1e293b}.text-395BB6{color:#395bb6}.text-4759B2{color:#4759b2}.text-DF8C69{color:#df8c69}.text-515e5f{color:#515e5f}.text-64748B{color:#64748b}.text-F5F7FF{color:#f5f7ff}.text-FFFFFF{color:#fff}.text-44559C{color:#44559c}.text-gray-300{color:#aaa}.text-gray-400{color:#777}.text-gray-800{color:#999}.text-red-200{color:#ee6a6a}.text-searchModal-200{color:#edf0ff}.text-searchPage-100{color:#777}.text-searchPage-500{color:#030303}.italic{font-style:italic}.uppercase{text-transform:uppercase}.lowercase{text-transform:lowercase}.capitalize{text-transform:capitalize}.underline{text-decoration:underline}.line-through{text-decoration:line-through}.hover\:underline:hover{text-decoration:underline}.tracking-tight{letter-spacing:-.025em}.tracking-wide{letter-spacing:.025em}.tracking-widest{letter-spacing:.1em}.tracking-0\.1px{letter-spacing:.1px}.visible{visibility:visible}.whitespace-no-wrap{white-space:nowrap}.break-words{word-wrap:break-word;overflow-wrap:break-word}.break-all{word-break:break-all}.w-3{width:.75rem}.w-5{width:1.25rem}.w-6{width:1.5rem}.w-12{width:3rem}.w-40{width:10rem}.w-auto{width:auto}.w-1\/3{width:33.333333%}.w-full{width:100%}.w-10px{width:10px}.w-11px{width:11px}.w-13px{width:13px}.w-18px{width:18px}.w-40px{width:40px}.w-72px{width:72px}.w-92px{width:92px}.w-120px{width:120px}.w-300px{width:300px}.w-166px{width:166px}.w-240px{width:240px}.z-10{z-index:10}.z-50{z-index:50}.transition-all{transition-property:all}.transition{transition-property:background-color,border-color,color,fill,stroke,opacity,box-shadow,transform}.ease-out{transition-timing-function:cubic-bezier(0,0,.2,1)}.ease-in-out{transition-timing-function:cubic-bezier(.4,0,.2,1)}@keyframes spin{to{transform:rotate(1turn)}}@keyframes ping{75%,to{opacity:0;transform:scale(2)}}@keyframes pulse{50%{opacity:.5}}@keyframes bounce{0%,to{animation-timing-function:cubic-bezier(.8,0,1,1);transform:translateY(-25%)}50%{animation-timing-function:cubic-bezier(0,0,.2,1);transform:none}}@keyframes iconsSlide{0%{opacity:0;transform:translateX(-1000px)}to{opacity:1;transform:translateX(0)}}.breadcrumbs{max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.breadcrumbs .breadcrumbs-item{background:url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNCIgaGVpZ2h0PSI2IiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik0uMjk1IDUuMjk1IDIuNTg1IDMgLjI5NS43MDUgMSAwbDMgMy0zIDMtLjcwNS0uNzA1WiIgZmlsbD0iIzUxNUU1RiIvPjwvc3ZnPg==") no-repeat;background-position:3px 5px;color:#515e5f;display:inline;font-size:12px;line-height:18px;padding-left:13px;text-transform:capitalize}.breadcrumbs .breadcrumbs-item:first-of-type{background:none;padding-left:0}.breadcrumbs .breadcrumbs-item.disabled{cursor:default}.breadcrumbs .breadcrumbs-item-link{color:#515e5f;text-decoration:none}.breadcrumbs .breadcrumbs-item-link:hover{text-decoration:underline}.authorbio{border-bottom:4px solid #181716;font-family:EuclidCircularB,sans-serif}.authorbio__wrap{margin-bottom:20px}.authorbio__top{align-items:center;display:flex;margin-bottom:15px}.authorbio__img-wrap{border-radius:50%;height:54px;overflow:hidden;width:54px}.authorbio__img-wrap a{display:block}.authorbio__img-wrap img{display:block;height:auto;width:100%}.authorbio__content{max-width:100%;padding-left:15px;width:calc(100% - 54px);word-break:break-word}.authorbio__name{color:#007ac8;display:inline-block;font-size:16px;font-weight:700;line-height:20px;margin-bottom:10px;text-transform:capitalize}.authorbio__role{color:#999;font-size:12px;line-height:15px;text-transform:capitalize}.authorbio__bottom{border-top:1px solid #dadada;padding-top:15px}.authorbio__bottom p{color:#333;font-family:Georgia,serif;font-size:16px;line-height:30px}.disclosure-block{background-color:#fff;border:1px solid #e2e2e2;border-radius:.75rem;box-shadow:0 3px 15px #e2e2e2;color:#333;font-family:Work Sans,sans-serif;font-size:14px;font-weight:400;line-height:1.5;max-width:100%;position:absolute;z-index:50}@media (min-width:640px){.disclosure-block{max-width:500px;width:100%}}.disclosure-block .disclosure-block-content{padding:1.25rem}.disclosure-block:after,.disclosure-block:before{border-style:solid;border-width:10px;content:"";display:block;height:0;left:auto;position:absolute;right:50px;top:-20px;width:0}.disclosure-block:before{border-color:transparent transparent #555}.disclosure-block:after{border-color:transparent transparent #fff}.disclosure-block.is-hidden{display:none}.disclosure-block a{text-decoration:underline}.mobile-ui .disclosure-block{left:15px!important;max-width:100%;right:15px!important;width:auto}.mobile-ui .disclosure-block-content{height:295px;overflow-y:auto}.banner-wrapper{background-color:#003186;margin:0;padding:24px 0}@media (min-width:768px){.banner-wrapper{padding:32px 0 45px}}.banner-wrapper .banner-title{font-family:SchnyderS,sans-serif;font-weight:400}.banner-wrapper .banner-dislosure-wrapper{gap:8px}.banner-wrapper .bb-disclosure{flex:1}.banner-wrapper .bb-disclosure a{font-weight:600}.banner-wrapper .bb-disclosure a:hover{text-decoration:underline}.banner-wrapper .bb-timestamp{color:#fff;font-family:Work Sans,sans-serif;font-size:12px;margin-top:24px}.banner-wrapper .mobile-editorialview{display:flex;justify-content:flex-end;margin-bottom:.25rem}.banner-wrapper .mobile-editorialview p{margin-bottom:0}.banner-wrapper .mobile-editorialview #advertiser-disclosure{color:#fff;cursor:pointer;font-family:EuclidCircularB,sans-serif;font-size:.75rem;line-height:18px;text-transform:capitalize;z-index:100}.banner-wrapper .zip-code-txt{background:#fff;border:1px solid #7f8b9a;border-radius:8px;color:#333;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;height:48px;line-height:22px;outline:none;padding:0 16px;width:100%}@media (min-width:768px){.banner-wrapper .zip-code-txt{width:204px}}.banner-wrapper .zip-code-txt::-moz-placeholder{color:#333;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:22px}.banner-wrapper .zip-code-txt::placeholder{color:#333;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:400;line-height:22px}.banner-wrapper .banner-listings ul{margin-bottom:24px}.banner-wrapper .banner-listings ul li{color:hsla(0,0%,100%,.9);line-height:30px;margin-bottom:6px;padding-left:32px}.banner-wrapper .banner-listings ul li:before{background:url("data:image/svg+xml;base64,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") no-repeat 0 0;background-size:contain;content:"";height:17px;left:0;margin-right:15px;padding-right:18px;position:absolute;top:6px;width:17px}.banner-wrapper .cta-innerwrap{display:flex;flex-direction:column;margin-bottom:9px}@media (min-width:768px){.banner-wrapper .cta-innerwrap{flex-direction:row}}.banner-wrapper .cta-wapper{max-width:100%}@media (min-width:768px){.banner-wrapper .cta-wapper{max-width:-moz-fit-content;max-width:fit-content}}.banner-wrapper .cta-below-text-wrapper{max-width:100%}@media (min-width:768px){.banner-wrapper .cta-below-text-wrapper{max-width:500px}}.banner-wrapper .cta-below-text-wrapper .cta-below-text{text-align:center}@media (min-width:768px){.banner-wrapper .cta-below-text-wrapper .cta-below-text{text-align:left}}.banner-wrapper .banner-cta-wrapper{display:inline-flex;margin-top:8px}@media (min-width:768px){.banner-wrapper .banner-cta-wrapper{margin-left:7px;margin-top:0}}.banner-wrapper .banner-cta{align-items:center;background:#007ac8;border-radius:8px;color:#fff;display:inline-flex;font-family:EuclidCircularB,sans-serif;font-size:18px;font-weight:600;justify-content:center;max-width:100%;min-height:48px;min-width:100%;padding:10px 16px;text-align:center;transition:all .2s ease}.banner-wrapper .banner-cta:hover{background-color:#0066a1}@media (min-width:768px){.banner-wrapper .banner-cta{max-width:300px;min-width:166px}}.banner-wrapper .cta-below-text{font-size:12px;line-height:16px;margin-bottom:0}.banner-wrapper .hide-zipcode{max-width:100%}@media (min-width:768px){.banner-wrapper .hide-zipcode{max-width:-moz-fit-content;max-width:fit-content}}.banner-wrapper .hide-zipcode .cta-innerwrap{max-width:none}.banner-wrapper .hide-zipcode .cta-below-text-wrapper{max-width:100%}.banner-wrapper .hide-zipcode .cta-below-text-wrapper .cta-below-text{text-align:center}.banner-wrapper .hide-zipcode .banner-cta{font-size:20px;min-height:63px;width:300px}.banner-wrapper .hide-zipcode .banner-cta-wrapper{margin-left:0;margin-top:0}.banner-wrapper .hide-zipcode .zip-code-txt{display:none}@media (min-width:768px){.banner-wrapper{background:linear-gradient(270deg,rgba(0,49,134,.4),#003186 51.11%)}}input[type=number]::-webkit-inner-spin-button,input[type=number]::-webkit-outer-spin-button,input[type=number]::-webkit-outer-spin-button:hover{-webkit-appearance:none;margin:0}input[type=number]{-moz-appearance:textfield}.wysiwyg-content{font-family:Georgia,Arial,Helvetica,sans-serif}.wysiwyg-content a,.wysiwyg-content b,.wysiwyg-content em,.wysiwyg-content i,.wysiwyg-content li,.wysiwyg-content ol,.wysiwyg-content p,.wysiwyg-content span,.wysiwyg-content strong,.wysiwyg-content ul{color:#333;font-size:16px;line-height:24px}.wysiwyg-content a{color:#395bb6}.wysiwyg-content a em,.wysiwyg-content a i,.wysiwyg-content a strong{color:inherit}.wysiwyg-content a:hover{text-decoration:underline}.wysiwyg-content hr{display:none}.wysiwyg-content b,.wysiwyg-content strong{font-weight:700}.wysiwyg-content p{margin-bottom:20px}.wysiwyg-content p:empty{margin:0}.wysiwyg-content ol{margin-bottom:20px;margin-left:20px}.wysiwyg-content ul{margin-bottom:20px}.wysiwyg-content ul li{padding-left:30px;position:relative}.wysiwyg-content ul li:before{background-color:#333;border-radius:50%;content:"";display:inline-block;height:8px;left:6px;position:absolute;top:7px;width:8px}@media (max-width:1024px){.wysiwyg-content ul li:before{top:6px}}.wysiwyg-content ul li:last-child{margin-bottom:0}.wysiwyg-content ul li strong{line-height:inherit}.wysiwyg-content li{font-family:Georgia,serif;line-height:24px;margin-bottom:9px}@media (max-width:1024px){.wysiwyg-content li{font-size:16px;line-height:20px;margin-bottom:7px}}.wysiwyg-content h2,.wysiwyg-content h3,.wysiwyg-content h4,.wysiwyg-content h5,.wysiwyg-content h6{color:#000;font-family:EuclidCircularB,sans-serif;font-weight:700}.wysiwyg-content h2 a,.wysiwyg-content h3 a,.wysiwyg-content h4 a,.wysiwyg-content h5 a,.wysiwyg-content h6 a{font-size:inherit;line-height:inherit}.wysiwyg-content h2{font-size:32px;font-weight:600;line-height:40px;margin-bottom:16px}@media (max-width:1024px){.wysiwyg-content h2{font-size:24px;line-height:30px}}.wysiwyg-content h3{font-size:24px;font-weight:600;line-height:30px;margin-bottom:16px}@media (max-width:1024px){.wysiwyg-content h3{font-size:20px;line-height:25px}}.wysiwyg-content h4{font-size:18px;line-height:24px;margin-bottom:4px}.wysiwyg-content img{display:block;height:auto;width:100%}.block-indent-wrapper{margin-left:40px}@media (max-width:1024px){.block-indent-wrapper{margin-left:20px}}.block-indent-wrapper p{margin-left:25px}@media (max-width:1024px){.block-indent-wrapper p{margin-left:0}}.block-indent-wrapper ul{margin-left:25px}@media (max-width:1024px){.block-indent-wrapper ul{margin-left:0}}.wp-caption{width:auto!important}.wp-caption .wp-caption-text{color:#999;font-family:EuclidCircularB,sans-serif;font-size:12px;line-height:18px;margin-top:8px}.page-template .wysiwyg-content a,.post-template .wysiwyg-content a,.post-template-default .wysiwyg-content a{color:#007ac8}.page-template .wysiwyg-content h2,.page-template .wysiwyg-content h3,.page-template .wysiwyg-content h4,.page-template .wysiwyg-content h5,.page-template .wysiwyg-content h6,.post-template .wysiwyg-content h2,.post-template .wysiwyg-content h3,.post-template .wysiwyg-content h4,.post-template .wysiwyg-content h5,.post-template .wysiwyg-content h6,.post-template-default .wysiwyg-content h2,.post-template-default .wysiwyg-content h3,.post-template-default .wysiwyg-content h4,.post-template-default .wysiwyg-content h5,.post-template-default .wysiwyg-content h6{color:#333;font-family:Work Sans,sans-serif}.toc{border-color:#181716;font-family:EuclidCircularB,sans-serif;margin-bottom:30px;padding-bottom:10px;padding-top:10px}@media (min-width:768px){.toc{margin-bottom:32px;margin-top:32px}}.toc__wrap{background:#f8f8f8;border-color:#ddd;border-radius:.25rem;position:relative}.toc__wrap .toc__inner-wrap{border-top:1px solid #ddd}.toc h2.toc-title{border-style:none;color:#333;cursor:pointer;font-size:16px;font-weight:600;line-height:28px;margin-bottom:0;padding-bottom:0;padding-left:27px;position:relative}.toc h2.toc-title.minus:before{background:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAA4AAAACCAYAAABoiu2qAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAAAiSURBVHgBncABAQAABMCwk0QOXXTUiCZkYOKRxWBcCK08LZuhBCoCX6wIAAAAAElFTkSuQmCC") 50% no-repeat}.toc h2.toc-title:before{background:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABAAAAAQCAYAAAAf8/9hAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAACuSURBVHgBzVNLCsIwFJwXq2uPUG/QtbiIR8jOhUI9kUdwJ+5yBF251SPkCF1LzNNXEEoxJbSCDgQGZjLkMw/owHxjS1ldHopuLm0BT1fhE8+z89G4Tz4VC1AeUyRAYSB+H1A/ol7Z3GfIm8KDUBDTTvgIbBiomnoIqC4Hc6P6m5j26APi7feu0BbuY+j3yRR4mXm4tke6ES3SYm11AJ2E9ypSKv444NULh6FIGecnSeQ2RCE2lOsAAAAASUVORK5CYII=") 50% no-repeat;background-size:cover;content:"";height:14px;left:0;position:absolute;top:50%;transform:translateY(-50%);width:14px}.toc ul{margin-bottom:0}.toc ul li{font-size:16px;font-weight:400;line-height:24px;margin-bottom:15px;padding-left:24px;position:relative}@media (max-width:767px){.toc ul li:last-of-type{margin-bottom:0}}.toc ul li:before{background-color:#395bb6;border-radius:50%;content:"";height:6px;left:8px;position:absolute;top:9px;width:6px}.toc ul li a{color:#395bb6;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:500;line-height:24px}.toc ul li a:hover{text-decoration:underline}.toc__toggle-icon{border-right:2px solid #395bb6;border-top:2px solid #395bb6;display:none;height:10px;position:absolute;right:30px;top:18px;transform:rotate(-45deg);width:10px}.toc__toggle-icon.toggleClosed{top:13px;transform:rotate(135deg)}@media (max-width:767px){.toc__toggle-icon{display:block}}.faq-section{border-top:1px solid #181716;color:#333;font-family:EuclidCircularB,sans-serif}.faq-section .title{border-width:0;font-size:1.5rem;line-height:34px;margin-bottom:1.25rem;padding-bottom:0}@media (min-width:1024px){.faq-section .title{font-size:32px;font-weight:700;line-height:40px;margin-bottom:20px}.faq-section .main-faqs{background-color:#fafafa;border:1px solid #ddd;border-radius:9px;padding:30px}}.faq-section .main-faqs .faqs{padding-bottom:1rem}@media (min-width:1024px){.faq-section .main-faqs .faqs{padding-bottom:25px}}.faq-section .main-faqs .faqs.clicked,.faq-section .main-faqs .faqs:last-child,.faq-section .main-faqs .faqs:last-of-type{padding-bottom:0}.faq-section .faq-question{align-items:center;cursor:pointer;display:flex}.faq-section .faq-question .minus{display:none;width:12px}.faq-section .faq-question .plus{width:12px}.faq-section .faq-question:hover{text-decoration:underline}@media (min-width:1024px){.faq-section .faq-question .minus,.faq-section .faq-question .plus{width:18px}}.faq-section .faq-question.active .plus{display:none}.faq-section .faq-question.active .minus{display:block}.faq-section .question-text{font-size:1rem;font-weight:700;line-height:20px;margin-bottom:0;margin-left:1.25rem}@media (min-width:1024px){.faq-section .question-text{font-size:1.25rem;line-height:30px;margin-left:30px}}.faq-section .faq-answer{font-size:18px;line-height:30px;margin-left:2rem;overflow:hidden;padding-top:12px;transition:height .35s ease-in-out}.faq-section .faq-answer p{font-family:EuclidCircularB,sans-serif;font-size:18px;line-height:28px;margin-bottom:20px}@media (min-width:768px){.faq-section .faq-answer p{font-size:16px;line-height:24px}}.faq-section .faq-answer ul li:before{background-color:#4759b2;border-radius:50%;content:"";display:inline-block;height:8px;left:6px;position:absolute;top:7px;width:8px}@media (max-width:1024px){.faq-section .faq-answer ul li:before{top:6px}}@media (min-width:1024px){.faq-section .faq-answer{margin-left:3rem}}.faq-section .faq-answer:not(.active){display:none}.faq-section.article-section{padding-top:0}.faq-wrapper{margin-bottom:1.25rem;margin-top:1.25rem;padding-bottom:1.25rem;padding-top:1.25rem;position:relative}@media (min-width:1024px){.faq-wrapper{margin-bottom:0;margin-top:0}}.faq-wrapper:after{background:#fafafa;bottom:0;content:"";left:-100%;position:absolute;right:-100%;top:0;z-index:-1}@media (min-width:1024px){.faq-wrapper:after{display:none}}.post-template .faq-section{border-top:1px solid #333}@media (min-width:1024px){.post-template .faq-section .main-faqs{background-color:#f3f5fb;border:1px solid #ebebeb}}.post-template .faq-wrapper:after{background:#f3f5fb}.two-column-ninja-block-wrapper{margin-bottom:32px}@media (min-width:768px){.two-column-ninja-block-wrapper{margin-bottom:28px}}.two-column-ninja-block-wrapper .two-column-ninja-block{box-shadow:0 0 8px rgba(0,0,0,.16);margin-bottom:16px}.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content{border-right:1px solid #e4e4e4}.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content h3.__title{font-size:24px;line-height:30px;margin-bottom:16px}@media (min-width:768px){.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content h3.__title{font-size:32px;line-height:40px;margin-bottom:20px}}.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content .__description{color:#333}.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content .__description p{margin-bottom:20px}.two-column-ninja-block-wrapper .two-column-ninja-block .ninja-content ol li{list-style:decimal}*{word-wrap:break-word}#optimisedHeaderV1{overflow:hidden;scroll-behavior:smooth}#optimisedHeaderV1 .article__editors-note{background-color:#f8f8f8;border:none;color:#929a9b;font-family:EuclidCircularB,sans-serif;font-size:12px;letter-spacing:0;line-height:18px;margin-bottom:20px;padding:14px}#optimisedHeaderV1 .best-options-wrapper{margin-bottom:32px;margin-top:30px}@media (min-width:768px){#optimisedHeaderV1 .best-options-wrapper{margin-bottom:44px;margin-top:41px}}#optimisedHeaderV1 .best-options-wrapper .best-section-column{margin-bottom:32px;padding:0}@media (min-width:768px){#optimisedHeaderV1 .best-options-wrapper .best-section-column{margin-bottom:0}}#optimisedHeaderV1 .best-options-wrapper .best-section-column:before{content:none}#optimisedHeaderV1 .best-options-wrapper .best-section-column p{color:#fff}#optimisedHeaderV1 .best-options-wrapper .best-section-column p.section-bold-text{font-size:24px;line-height:30px;margin-bottom:10px}@media (min-width:768px){#optimisedHeaderV1 .best-options-wrapper .best-section-column p.section-bold-text{font-size:32px;line-height:41px;margin-bottom:12px}}#optimisedHeaderV1 .best-options-wrapper .best-section-column p.section-light-text{font-size:14px;line-height:18px;margin-bottom:0}#optimisedHeaderV1 .rafeed__container{max-width:1070px}#optimisedHeaderV1 .rafeed__container .authorbio{border-bottom:none}.faq-section .faq-answer p{font-family:Georgia,serif}@media (min-width:640px){.sm\:bg-blue{background-color:#4657a1}.sm\:border-b-0{border-bottom-width:0}.sm\:block{display:block}.sm\:flex{display:flex}.sm\:hidden{display:none}.sm\:flex-row{flex-direction:row}.sm\:flex-col{flex-direction:column}.sm\:justify-center{justify-content:center}.sm\:order-1{order:1}.sm\:h-250px{height:250px}.sm\:m-0{margin:0}.sm\:mx-0{margin-left:0}.sm\:mr-0,.sm\:mx-0{margin-right:0}.sm\:mb-0{margin-bottom:0}.sm\:mb-5{margin-bottom:1.25rem}.sm\:-mt-5{margin-top:-1.25rem}.sm\:mb-13px{margin-bottom:13px}.sm\:mb-30px{margin-bottom:30px}.sm\:max-w-1\/3{max-width:33.33%}.sm\:px-15px{padding-left:15px;padding-right:15px}.sm\:pt-0{padding-top:0}.sm\:pt-4{padding-top:1rem}.sm\:pt-5{padding-top:1.25rem}.sm\:pt-6{padding-top:1.5rem}.sm\:pb-6{padding-bottom:1.5rem}.sm\:pb-30px{padding-bottom:30px}.sm\:text-left{text-align:left}.sm\:text-center{text-align:center}.sm\:w-1\/2{width:50%}.sm\:w-3\/4{width:75%}.sm\:w-2\/6{width:33.333333%}}@media (min-width:768px){.md\:rounded-none{border-radius:0}.md\:rounded-xl{border-radius:.75rem}.md\:border-t-0{border-top-width:0}.md\:border-r-0{border-right-width:0}.md\:border-l-0{border-left-width:0}.md\:border-b-1{border-bottom-width:1px}.md\:border-b-2{border-bottom-width:2px}.md\:block{display:block}.md\:flex{display:flex}.md\:hidden{display:none}.md\:flex-row{flex-direction:row}.md\:flex-row-reverse{flex-direction:row-reverse}.md\:flex-col{flex-direction:column}.md\:flex-wrap{flex-wrap:wrap}.md\:flex-no-wrap{flex-wrap:nowrap}.md\:items-start{align-items:flex-start}.md\:items-center{align-items:center}.md\:justify-between{justify-content:space-between}.md\:flex-1{flex:1 1 0%}.md\:flex-none{flex:none}.md\:font-normal{font-weight:400}.md\:h-1{height:.25rem}.md\:h-42px{height:42px}.md\:h-138px{height:138px}.md\:text-sm{font-size:.875rem}.md\:text-base{font-size:1rem}.md\:text-lg{font-size:1.125rem}.md\:text-xl{font-size:1.25rem}.md\:text-2xl{font-size:1.5rem}.md\:text-3xl{font-size:1.875rem}.md\:text-18px{font-size:18px}.md\:text-20px{font-size:20px}.md\:text-22px{font-size:22px}.md\:text-24px{font-size:24px}.md\:text-25px{font-size:25px}.md\:text-32px{font-size:32px}.md\:text-48px{font-size:48px}.md\:leading-6{line-height:1.5rem}.md\:leading-7{line-height:1.75rem}.md\:leading-8{line-height:2rem}.md\:leading-10{line-height:2.5rem}.md\:leading-23px{line-height:23px}.md\:leading-25px{line-height:25px}.md\:leading-27px{line-height:27px}.md\:leading-30px{line-height:30px}.md\:leading-34px{line-height:34px}.md\:leading-60px{line-height:60px}.md\:m-0{margin:0}.md\:m-auto{margin:auto}.md\:mx-0{margin-left:0;margin-right:0}.md\:mx-auto{margin-left:auto;margin-right:auto}.md\:my-42px{margin-bottom:42px;margin-top:42px}.md\:mt-0{margin-top:0}.md\:mr-0{margin-right:0}.md\:mb-0{margin-bottom:0}.md\:ml-0{margin-left:0}.md\:mt-1{margin-top:.25rem}.md\:mt-2{margin-top:.5rem}.md\:mt-4{margin-top:1rem}.md\:mb-4{margin-bottom:1rem}.md\:mb-5{margin-bottom:1.25rem}.md\:mt-6{margin-top:1.5rem}.md\:mr-6{margin-right:1.5rem}.md\:mb-10{margin-bottom:2.5rem}.md\:mt-40{margin-top:10rem}.md\:mb-0px{margin-bottom:0}.md\:mb-2px{margin-bottom:2px}.md\:mt-6px{margin-top:6px}.md\:mb-10px{margin-bottom:10px}.md\:mb-14px{margin-bottom:14px}.md\:mb-16px{margin-bottom:16px}.md\:mb-20px{margin-bottom:20px}.md\:mt-23px{margin-top:23px}.md\:mt-28px{margin-top:28px}.md\:mt-30px{margin-top:30px}.md\:mb-30px{margin-bottom:30px}.md\:ml-30px{margin-left:30px}.md\:mb-35px{margin-bottom:35px}.md\:mt-38px{margin-top:38px}.md\:mb-60px{margin-bottom:60px}.md\:mb-70px{margin-bottom:70px}.md\:mt-200px{margin-top:200px}.md\:max-w-255px{max-width:255px}.md\:max-w-960px{max-width:960px}.md\:max-w-970px{max-width:970px}.md\:max-w-1320px{max-width:1320px}.md\:p-0{padding:0}.md\:py-6{padding-bottom:1.5rem;padding-top:1.5rem}.md\:px-0px{padding-left:0;padding-right:0}.md\:px-8px{padding-left:8px;padding-right:8px}.md\:py-10px{padding-bottom:10px;padding-top:10px}.md\:py-13px{padding-bottom:13px;padding-top:13px}.md\:py-16px{padding-bottom:16px;padding-top:16px}.md\:px-20px{padding-left:20px;padding-right:20px}.md\:py-22px{padding-bottom:22px;padding-top:22px}.md\:py-25px{padding-bottom:25px;padding-top:25px}.md\:py-30px{padding-bottom:30px;padding-top:30px}.md\:px-30px{padding-left:30px;padding-right:30px}.md\:px-34px{padding-left:34px;padding-right:34px}.md\:px-40px{padding-left:40px;padding-right:40px}.md\:py-50px{padding-bottom:50px;padding-top:50px}.md\:pt-0{padding-top:0}.md\:pb-0{padding-bottom:0}.md\:pr-4{padding-right:1rem}.md\:pb-4{padding-bottom:1rem}.md\:pr-5{padding-right:1.25rem}.md\:pl-5{padding-left:1.25rem}.md\:pb-6{padding-bottom:1.5rem}.md\:pr-8{padding-right:2rem}.md\:pb-8{padding-bottom:2rem}.md\:pb-0px{padding-bottom:0}.md\:pl-0px{padding-left:0}.md\:pl-8px{padding-left:8px}.md\:pt-10px{padding-top:10px}.md\:pb-12px{padding-bottom:12px}.md\:pb-13px{padding-bottom:13px}.md\:pb-15px{padding-bottom:15px}.md\:pt-16px{padding-top:16px}.md\:pt-20px{padding-top:20px}.md\:pb-20px{padding-bottom:20px}.md\:pt-23px{padding-top:23px}.md\:pb-23px{padding-bottom:23px}.md\:pt-24px{padding-top:24px}.md\:pt-30px{padding-top:30px}.md\:pb-30px{padding-bottom:30px}.md\:pl-30px{padding-left:30px}.md\:pt-32px{padding-top:32px}.md\:pt-40px{padding-top:40px}.md\:pr-40px{padding-right:40px}.md\:pb-40px{padding-bottom:40px}.md\:pt-48px{padding-top:48px}.md\:pl-50px{padding-left:50px}.md\:absolute{position:absolute}.md\:right-0{right:0}.md\:text-left{text-align:left}.md\:text-center{text-align:center}.md\:text-777777{color:#777}.md\:w-auto{width:auto}.md\:w-1\/3{width:33.333333%}.md\:w-1\/4{width:25%}.md\:w-2\/5{width:40%}.md\:w-3\/5{width:60%}.md\:w-3\/6,.md\:w-6\/12{width:50%}.md\:w-full{width:100%}.md\:w-54px{width:54px}.md\:w-225px{width:225px}.md\:w-300px{width:300px}.md\:w-283px{width:283px}.md\:w-287px{width:287px}}@media (min-width:1024px){.lg\:bg-white{background-color:#fff}.lg\:bg-fcfcfc{background-color:#fcfcfc}.lg\:block{display:block}.lg\:inline-block{display:inline-block}.lg\:flex{display:flex}.lg\:inline-flex{display:inline-flex}.lg\:hidden{display:none}.lg\:flex-row{flex-direction:row}.lg\:flex-col{flex-direction:column}.lg\:flex-wrap{flex-wrap:wrap}.lg\:flex-no-wrap{flex-wrap:nowrap}.lg\:items-start{align-items:flex-start}.lg\:items-center{align-items:center}.lg\:self-center{align-self:center}.lg\:justify-start{justify-content:flex-start}.lg\:justify-center{justify-content:center}.lg\:justify-between{justify-content:space-between}.lg\:flex-1{flex:1 1 0%}.lg\:order-1{order:1}.lg\:font-euclidcircularb{font-family:EuclidCircularB,sans-serif}.lg\:font-bold{font-weight:700}.lg\:h-254px{height:254px}.lg\:h-82px{height:82px}.lg\:text-xs{font-size:.75rem}.lg\:text-sm{font-size:.875rem}.lg\:text-base{font-size:1rem}.lg\:text-lg{font-size:1.125rem}.lg\:text-xl{font-size:1.25rem}.lg\:text-2xl{font-size:1.5rem}.lg\:text-5xl{font-size:3rem}.lg\:text-11px{font-size:11px}.lg\:text-18px{font-size:18px}.lg\:text-20px{font-size:20px}.lg\:text-21px{font-size:21px}.lg\:text-22px{font-size:22px}.lg\:text-24px{font-size:24px}.lg\:text-25px{font-size:25px}.lg\:text-28px{font-size:28px}.lg\:text-30px{font-size:30px}.lg\:text-32px{font-size:32px}.lg\:text-35px{font-size:35px}.lg\:text-40px{font-size:40px}.lg\:text-48px{font-size:48px}.lg\:text-55px{font-size:55px}.lg\:leading-5{line-height:1.25rem}.lg\:leading-6{line-height:1.5rem}.lg\:leading-7{line-height:1.75rem}.lg\:leading-8{line-height:2rem}.lg\:leading-10{line-height:2.5rem}.lg\:leading-18px{line-height:18px}.lg\:leading-20px{line-height:20px}.lg\:leading-22px{line-height:22px}.lg\:leading-28px{line-height:28px}.lg\:leading-30px{line-height:30px}.lg\:leading-40px{line-height:40px}.lg\:leading-42px{line-height:42px}.lg\:leading-44px{line-height:44px}.lg\:leading-45px{line-height:45px}.lg\:leading-55px{line-height:55px}.lg\:leading-59px{line-height:59px}.lg\:leading-70px{line-height:70px}.lg\:m-0{margin:0}.lg\:mx-0{margin-left:0;margin-right:0}.lg\:my-24px{margin-bottom:24px;margin-top:24px}.lg\:my-42px{margin-bottom:42px;margin-top:42px}.lg\:mt-0{margin-top:0}.lg\:mr-0{margin-right:0}.lg\:mb-0{margin-bottom:0}.lg\:ml-0{margin-left:0}.lg\:mb-2{margin-bottom:.5rem}.lg\:mt-3{margin-top:.75rem}.lg\:mr-3{margin-right:.75rem}.lg\:mb-3{margin-bottom:.75rem}.lg\:mb-4{margin-bottom:1rem}.lg\:mb-5{margin-bottom:1.25rem}.lg\:ml-5{margin-left:1.25rem}.lg\:mb-6{margin-bottom:1.5rem}.lg\:mb-8{margin-bottom:2rem}.lg\:mb-12{margin-bottom:3rem}.lg\:mr-20{margin-right:5rem}.lg\:-mt-6{margin-top:-1.5rem}.lg\:mt-0px{margin-top:0}.lg\:mb-0px{margin-bottom:0}.lg\:mb-2px{margin-bottom:2px}.lg\:mr-4px{margin-right:4px}.lg\:mb-4px{margin-bottom:4px}.lg\:mr-8px{margin-right:8px}.lg\:mt-10px{margin-top:10px}.lg\:mb-10px{margin-bottom:10px}.lg\:mr-12px{margin-right:12px}.lg\:mb-12px{margin-bottom:12px}.lg\:mt-14px{margin-top:14px}.lg\:mb-14px{margin-bottom:14px}.lg\:mb-15px{margin-bottom:15px}.lg\:mr-16px{margin-right:16px}.lg\:mb-18px{margin-bottom:18px}.lg\:mr-20px{margin-right:20px}.lg\:mb-20px{margin-bottom:20px}.lg\:ml-23px{margin-left:23px}.lg\:mb-24px{margin-bottom:24px}.lg\:mt-25px{margin-top:25px}.lg\:mr-25px{margin-right:25px}.lg\:mb-25px{margin-bottom:25px}.lg\:mr-30px{margin-right:30px}.lg\:mb-30px{margin-bottom:30px}.lg\:mb-32px{margin-bottom:32px}.lg\:mt-36px{margin-top:36px}.lg\:mr-40px{margin-right:40px}.lg\:mb-40px{margin-bottom:40px}.lg\:mr-50px{margin-right:50px}.lg\:mb-50px{margin-bottom:50px}.lg\:mr-60px{margin-right:60px}.lg\:mb-60px{margin-bottom:60px}.lg\:ml-70px{margin-left:70px}.lg\:last\:mb-0:last-child{margin-bottom:0}.lg\:max-w-30rem{max-width:30rem}.lg\:max-w-960px{max-width:960px}.lg\:max-w-320px{max-width:320px}.lg\:p-0{padding:0}.lg\:p-10px{padding:10px}.lg\:p-16px{padding:16px}.lg\:p-40px{padding:40px}.lg\:py-0{padding-bottom:0;padding-top:0}.lg\:px-0{padding-left:0;padding-right:0}.lg\:py-1{padding-bottom:.25rem;padding-top:.25rem}.lg\:px-6{padding-left:1.5rem;padding-right:1.5rem}.lg\:py-8{padding-bottom:2rem;padding-top:2rem}.lg\:px-8{padding-left:2rem;padding-right:2rem}.lg\:py-10{padding-bottom:2.5rem;padding-top:2.5rem}.lg\:px-10{padding-left:2.5rem;padding-right:2.5rem}.lg\:px-12{padding-left:3rem;padding-right:3rem}.lg\:py-16{padding-bottom:4rem;padding-top:4rem}.lg\:py-10px{padding-bottom:10px;padding-top:10px}.lg\:px-11px{padding-left:11px;padding-right:11px}.lg\:py-12px{padding-bottom:12px;padding-top:12px}.lg\:px-15px{padding-left:15px;padding-right:15px}.lg\:py-16px{padding-bottom:16px;padding-top:16px}.lg\:py-18px{padding-bottom:18px;padding-top:18px}.lg\:px-20px{padding-left:20px;padding-right:20px}.lg\:py-30px{padding-bottom:30px;padding-top:30px}.lg\:px-30px{padding-left:30px;padding-right:30px}.lg\:py-34px{padding-bottom:34px;padding-top:34px}.lg\:px-34px{padding-left:34px;padding-right:34px}.lg\:py-40px{padding-bottom:40px;padding-top:40px}.lg\:px-40px{padding-left:40px;padding-right:40px}.lg\:py-60px{padding-bottom:60px;padding-top:60px}.lg\:px-60px{padding-left:60px;padding-right:60px}.lg\:pt-0{padding-top:0}.lg\:pb-0{padding-bottom:0}.lg\:pb-3{padding-bottom:.75rem}.lg\:pl-3{padding-left:.75rem}.lg\:pr-4{padding-right:1rem}.lg\:pt-8{padding-top:2rem}.lg\:pt-10{padding-top:2.5rem}.lg\:pb-10{padding-bottom:2.5rem}.lg\:pl-10{padding-left:2.5rem}.lg\:pb-16{padding-bottom:4rem}.lg\:pt-0px{padding-top:0}.lg\:pl-0px{padding-left:0}.lg\:pt-10px{padding-top:10px}.lg\:pl-10px{padding-left:10px}.lg\:pr-11px{padding-right:11px}.lg\:pl-11px{padding-left:11px}.lg\:pr-15px{padding-right:15px}.lg\:pb-17px{padding-bottom:17px}.lg\:pr-25px{padding-right:25px}.lg\:pt-28px{padding-top:28px}.lg\:pt-30px{padding-top:30px}.lg\:pl-30px{padding-left:30px}.lg\:pr-32px{padding-right:32px}.lg\:pt-36px{padding-top:36px}.lg\:pr-40px{padding-right:40px}.lg\:pl-48px{padding-left:48px}.lg\:pr-60px{padding-right:60px}.lg\:pr-90px{padding-right:90px}.lg\:static{position:static}.lg\:absolute{position:absolute}.lg\:relative{position:relative}.lg\:text-left{text-align:left}.lg\:text-center{text-align:center}.lg\:no-underline{text-decoration:none}.lg\:hover\:underline:hover{text-decoration:underline}.lg\:w-auto{width:auto}.lg\:w-1\/2{width:50%}.lg\:w-1\/3{width:33.333333%}.lg\:w-1\/5{width:20%}.lg\:w-3\/12{width:25%}.lg\:w-full{width:100%}.lg\:w-300px{width:300px}.lg\:transition-opacity{transition-property:opacity}.lg\:duration-1000{transition-duration:1s}.lg\:delay-500{transition-delay:.5s}}@media (min-width:1280px){.xl\:block{display:block}.xl\:flex{display:flex}.xl\:inline-flex{display:inline-flex}.xl\:hidden{display:none}.xl\:flex-row{flex-direction:row}.xl\:items-center{align-items:center}.xl\:justify-between{justify-content:space-between}.xl\:text-sm{font-size:.875rem}.xl\:leading-18px{line-height:18px}.xl\:mt-0{margin-top:0}.xl\:mr-0{margin-right:0}.xl\:ml-0{margin-left:0}.xl\:ml-3{margin-left:.75rem}.xl\:pb-32px{padding-bottom:32px}} </style> <style> .article__editors-note-bottom .disclosure-link{ color: #929a9b; text-decoration: underline; } </style> <script type="text/javascript"> (function(){ var FA_TID_COOKIE = "fatid2011"; var APPLY_BTN_CLASS = "fa-affiliate-btn"; var createCookie = function(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.forbes.com'; today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } var readCookie = function(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } return unescape(document.cookie.substring(len, end)); } var getQueryString = function ( field, url ) { var href = url ? url : window.location.href; var reg = new RegExp( '[?&]' + field + '=([^&#]*)', 'i' ); var string = reg.exec(href); return string ? string[1] : null; } var addEvent = function(evnt, elem, func) { if (elem.addEventListener){ elem.addEventListener(evnt,func,false); }else if (elem.attachEvent) { // IE DOM elem.attachEvent("on"+evnt, func); } else{ elem[evnt] = func; } } var hasClass = function(element, className) { return (' ' + element.className + ' ').indexOf(' ' + className+ ' ') > -1; } var getTid = function(){ var utm_campaign = getQueryString('utm_campaign'); var utm_source = getQueryString('utm_source'); var utm_medium = getQueryString('utm_medium'); var utm_channel = getQueryString('utm_channel'); if(!!utm_campaign && !!utm_source && !!utm_medium && !!utm_channel){ var tid = utm_campaign+"|"+utm_source+"|"+utm_medium+"|"+utm_channel; createCookie(FA_TID_COOKIE, tid, 1); return tid; } return readCookie(FA_TID_COOKIE); } var handleAffiliate = function(){ var tid = getTid(); if(!!tid){ var anchorTags = document.getElementsByTagName('a'); for (var index = 0; index < anchorTags.length; index++) { var anchorTag = anchorTags[index]; if(hasClass(anchorTag, APPLY_BTN_CLASS)){ var affiliateLink = anchorTag.href; var symbol = (affiliateLink.indexOf("?") === -1) ? '?' : '&'; anchorTag.href = affiliateLink+symbol+"tid="+tid; } } } } addEvent('DOMContentLoaded', window, handleAffiliate); })(); </script> </head> <body class="post-template post-template-views post-template-single-optimised-header-v1-blade post-template-viewssingle-optimised-header-v1-blade-php single single-post postid-43386 single-format-standard"data-ecom-page='{"authorName":"Taylor Tepper","authorId":"160","authorType":"Senior Writer, Banking and Investing","primaryCategory":"Investing","secondaryCategory":"","tertiaryCategory":"","publishedDate":"May 30, 2023","updatedDate":"Aug 29, 2024","templateName":"Optimized Header v1","PartnersOnPage":"","WidgetShortcodeName":"toc_section | faq_block | simple_tables | cta_builder | quote | ask_the_expert"}'>  <div class="site-wrapper sticky">  <style> @font-face { font-family: "EuclidCircularB"; font-weight: 400; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-regular-webfont.woff2) format("woff2") } @font-face { font-family: "EuclidCircularB"; font-weight: 700; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/euclidcircularb/euclidcircularb-bold-webfont.woff2) format("woff2") } </style>  <style> @font-face { font-family: Merriweather; font-weight: 400; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-regular-webfont.woff2) format("woff2") } @font-face { font-family: Merriweather; font-weight: 700; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bold-webfont.woff2) format("woff2") } @font-face { font-family: Merriweather; font-style: italic; font-weight: 400; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-italic-webfont.woff2) format("woff2") } @font-face { font-family: Merriweather; font-style: italic; font-weight: 700; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/merriweather/merriweather-bolditalic-webfont.woff2) format("woff2") } </style>  <style> @font-face { font-family: Work Sans; font-weight: 400; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/work-sans/worksans-regular-webfont.woff2) format("woff2") } @font-face{ font-family: Work Sans; font-weight: 500; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/work-sans/worksans-medium-webfont.woff2) format("woff2") } @font-face { font-family: Work Sans; font-weight: 600; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/work-sans/worksans-semibold-webfont.woff2) format("woff2") } @font-face { font-family: Work Sans; font-weight: 700; font-display: swap; src: url(https://i.forbesimg.com/assets/fonts/work-sans/worksans-bold-webfont.woff2) format("woff2") } </style>  <style> @font-face { font-family: SchnyderS; font-weight: 400; font-display: swap; src: local("SchnyderS"), local("SchnyderS"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/schnyders/SchnyderS-Demi.woff2) format("woff2"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/schnyders/SchnyderS-Demi.woff) format("woff") } @font-face { font-family: SchnyderS; font-weight: 700; font-display: swap; src: local("SchnyderS"), local("SchnyderS"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/schnyders/schnyders-bold.woff2) format("woff2"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/schnyders/schnyders-bold.woff) format("woff") } </style>  <style> @font-face { font-family: Graphik; font-weight: 400; font-display: swap; src: local("Graphik"), local("Graphik"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/graphik/graphik-regular.woff2) format("woff2"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/graphik/graphik-regular.woff) format("woff") } @font-face { font-family: Graphik; font-weight: 600; font-display: swap; src: local("Graphik SemiBold"), local("Graphik-SemiBold"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/graphik/graphik-semibold.woff2) format("woff2"), url(https://www.forbes.com/advisor/wp-content/themes/fadv/assets/fonts/graphik/graphik-semibold.woff) format("woff") } </style> <style>#custom-header-wrapper .categories-bar{margin:0 auto;max-width:1600px}#custom-header-wrapper .chevron-wrapper{position:relative}#custom-header-wrapper .chevron-wrapper:after,#custom-header-wrapper .chevron-wrapper:before{background:#fff;border-radius:2px;content:"";display:block;height:10px;margin-top:-6px;position:absolute;right:12px;top:50%;transform-origin:center 9px;transition:all .2s ease-out;width:2px}#custom-header-wrapper .chevron-wrapper:before{transform:rotate(-45deg)}#custom-header-wrapper .chevron-wrapper:after{transform:rotate(45deg)}@media (min-width:1200px){#custom-header-wrapper .chevron-wrapper:hover:after,#custom-header-wrapper .chevron-wrapper:hover:before{margin-top:-12px}#custom-header-wrapper .chevron-wrapper:hover:before{transform:rotate(-135deg)}#custom-header-wrapper .chevron-wrapper:hover:after{transform:rotate(135deg)}}#custom-header-wrapper .chevron-wrapper.active:after,#custom-header-wrapper .chevron-wrapper.active:before{margin-top:-12px}#custom-header-wrapper .chevron-wrapper.active:before{transform:rotate(-135deg)}#custom-header-wrapper .chevron-wrapper.active:after{transform:rotate(135deg)}#custom-header-wrapper .sub-menu-wrap .active .chevron-wrapper:after,#custom-header-wrapper .sub-menu-wrap .active .chevron-wrapper:before{margin-top:-12px}#custom-header-wrapper .sub-menu-wrap .active .chevron-wrapper:before{transform:rotate(-135deg)}#custom-header-wrapper .sub-menu-wrap .active .chevron-wrapper:after{transform:rotate(135deg)}#custom-header-wrapper .categories-wrapper{height:calc(100vh - 96px);top:96px}#custom-header-wrapper .categories-wrapper .menu-tab{width:135px}#custom-header-wrapper .categories-wrapper .menu-tab.active{border-color:#000;color:#000}#custom-header-wrapper .categories-wrapper .menu-tab.active .sub-menu-dropdown{display:block}#custom-header-wrapper .categories-wrapper .menu-tab:last-of-type{display:none}#custom-header-wrapper .categories-wrapper .menu-tab .chevron-wrapper:after,#custom-header-wrapper .categories-wrapper .menu-tab .chevron-wrapper:before{content:none}#custom-header-wrapper .categories-wrapper .sub-menu-dropdown{box-shadow:-5px 0 4px 0 rgba(0,0,0,.05);display:none;height:calc(100vh - 96px);width:calc(100% - 135px)}#custom-header-wrapper .categories-wrapper #regionSelector{display:none}#custom-header-wrapper #regionSelector .rs-dropdown{right:0;top:45px;width:100px}@media (min-width:375px){#custom-header-wrapper #regionSelector .rs-dropdown{right:-15px}}#custom-header-wrapper #regionSelector .rs-dropdown .level1{border-radius:3px;box-shadow:0 4px 4px 0 rgba(0,0,0,.25)}@media (min-width:1025px){#custom-header-wrapper #regionSelector:hover .rs-dropdown{display:block}}#custom-header-wrapper #regionSelector.chevron-wrapper:after,#custom-header-wrapper #regionSelector.chevron-wrapper:before{right:10px}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper{border:none;display:block;height:100%;top:0;width:auto}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab{width:auto}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab>span{padding:0}}@media (min-width:768px) and (min-width:1200px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab:hover .sub-menu-dropdown{display:block!important}}@media (min-width:768px){#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .sub-menu-dropdown{display:block!important}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:after,#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:before{margin-top:-12px}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:before{transform:rotate(-135deg)}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active .chevron-wrapper:after{transform:rotate(135deg)}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab.active{@apply text-gray-500}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab:last-of-type{display:flex}#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab .chevron-wrapper:after,#custom-header-wrapper #subnavBar .categories-wrapper .menu-tab .chevron-wrapper:before{content:""}#custom-header-wrapper #subnavBar .categories-wrapper .sub-menu-dropdown{display:none!important;height:auto;right:5px;top:50px;width:300px}#custom-header-wrapper #subnavBar .categories-wrapper .sub-menu-dropdown .level1{border-radius:3px;box-shadow:0 4px 4px 0 rgba(0,0,0,.25)}#custom-header-wrapper #subnavBar .categories-wrapper #regionSelector{display:flex}#custom-header-wrapper #regionSelector .rs-dropdown{right:0;top:50px}}#custom-header-wrapper .mobile-ui .sub-menu-dropdown .level1{height:70vh}#custom-header-wrapper .rotate-180{transform:rotate(180deg)}#custom-header-wrapper .mobile-region-selector-wrap *{box-sizing:border-box}#custom-header-wrapper .logged-in{margin-top:-32px}@media only screen and (max-width:782px){#custom-header-wrapper .logged-in{margin-top:-46px}}#custom-header-wrapper .header-us{background-color:#171717;color:#fcfcfc;left:0;position:fixed;right:0;top:0;width:100%;z-index:99999}#custom-header-wrapper .header__container{align-items:center;display:flex;height:56px;margin:0 auto;max-width:1600px}#custom-header-wrapper .header__logo{align-items:center;display:flex;height:100%;margin-left:50px}#custom-header-wrapper .header__logo svg{fill:#fff;height:24px!important;width:63px!important}#custom-header-wrapper .header__logo a{font-size:0;height:26.67px;line-height:5px}#custom-header-wrapper .header__nav{color:#f4f4f4;height:100%}#custom-header-wrapper .header__nav .menu{align-items:center;display:flex;font-size:13px;height:100%;justify-content:center;line-height:14.95px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item{align-items:center;display:flex;height:100%;padding:0 24px}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type{padding-left:0}#custom-header-wrapper .header__nav .menu .menu-item a{color:#fcfcfc;font-family:Work Sans,sans-serif;font-weight:400}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#212424;box-shadow:0 0 14px 0 rgba(0,0,0,.2);left:0;padding:16px 18px 32px 0;top:56px;visibility:hidden;width:100vw;z-index:8888}#custom-header-wrapper .header__nav .sub-menu-wrap:before{content:"";display:block;height:2px;left:0;position:absolute;top:-2px;transition:width .1s ease-in-out;width:0}#custom-header-wrapper .header__nav .sub-menu{display:flex;flex-wrap:wrap;font-size:13px;margin:0 auto;max-width:1012px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{height:auto;line-height:14px;margin-right:1.5%;padding:16px 0 0;width:30%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:none}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{background:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23fff' height='12' width='20' viewBox='0 0 20 20'%3E%3Cpath d='M16.928 12h-16v-2h16z'/%3E%3Cpath d='m18.493 11.044-5.657 5.657-1.414-1.414 5.656-5.657z'/%3E%3Cpath d='M17.078 12.372 11.42 6.715 12.835 5.3l5.657 5.657z'/%3E%3C/svg%3E") 100% no-repeat;font-weight:600;padding-right:25px}#custom-header-wrapper .header__nav .menu .menu-item:not(.hideSubMenu):hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap:before{width:100%}#custom-header-wrapper .amp-ui .header__search{display:none}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{align-items:center;cursor:pointer;display:flex;height:100%;margin:-2px 16px 0 auto;width:20px}#custom-header-wrapper .header__search span,#custom-header-wrapper .header__share span{display:inline-block;height:22px}#custom-header-wrapper .header__search svg,#custom-header-wrapper .header__share svg{fill:#fff;color:#fff;height:20px;width:20px}#custom-header-wrapper .header__share svg{fill:transparent}#custom-header-wrapper .header__indicator{background-color:#ffcfa4;bottom:0;height:2px;left:0;position:absolute;width:100%}#custom-header-wrapper .header__nav .menu .legal-links{display:none}#custom-header-wrapper header li.current-menu-item a{color:#ff891f}#custom-header-wrapper .menu-toggle .close{display:none}#custom-header-wrapper .menu-toggle.on .close{display:block}#custom-header-wrapper .menu-toggle.on .open{display:none}#custom-header-wrapper .news-letter-wrap{margin:0}#custom-header-wrapper .news-letter-subscribe{align-items:center;color:#fff;display:flex;font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;height:40px;line-height:16px;margin-top:7px}#custom-header-wrapper .news-letter-subscribe .subscribe-menu{letter-spacing:-.2px;margin-right:8px}#custom-header-wrapper .news-letter-subscribe .subscribe-icon{fill:#fff;margin-top:3px}#custom-header-wrapper .news-letter-subscribe .subscribe-icon svg{height:24px;width:24px}#custom-header-wrapper .news-letter-subscribe:hover .subscribe-menu{text-decoration:underline}#custom-header-wrapper .header-news-letter-wrap{display:none}#custom-header-wrapper .header-news-letter-wrap .news-letter-subscribe{font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:16px;margin-top:0}#custom-header-wrapper .header-news-letter-wrap .news-letter-subscribe .subscribe-icon svg{height:16px;width:16px}@media screen and (min-width:1024px){#custom-header-wrapper .header-news-letter-wrap{align-items:center;display:flex;justify-content:center;left:0;margin:1px 0 0 72px;position:absolute}}#custom-header-wrapper .header__nav,#custom-header-wrapper .header__search{display:none}#custom-header-wrapper .share-modal{display:none;height:100%;position:fixed;top:0;width:100%;z-index:99999}#custom-header-wrapper .share-modal-overlay{background:#000;display:none;height:100%;opacity:.8;position:fixed;top:0;width:100%;z-index:9999}#custom-header-wrapper .share-modal--open{display:block}#custom-header-wrapper .share-text{color:#fff;font-size:18px;margin:12px 0 20px;padding-left:32px;text-transform:uppercase}#custom-header-wrapper .menu-toggle{display:block;left:0;margin-left:8px;overflow:hidden;padding:13px 0;position:absolute}#custom-header-wrapper .menu-toggle .menu-toggle-wrap{fill:#fff;cursor:pointer;height:40px;padding:8px;width:40px}#custom-header-wrapper .menu-toggle .menu-toggle-wrap svg{height:23px;width:23px}#custom-header-wrapper .header-us{height:56px}#custom-header-wrapper .header__search,#custom-header-wrapper .header__share{margin-top:-5px}#custom-header-wrapper .site-wrapper.sticky{padding-top:48px}#custom-header-wrapper .header__nav{background-color:#171717;display:block;height:90vh;left:0;position:absolute;top:55px;z-index:9999}#custom-header-wrapper .header__nav .menu{align-items:flex-start;flex-direction:column;height:auto;justify-content:space-between}#custom-header-wrapper .header__nav .menu>li.menu-item{min-height:40px;overflow:hidden;padding:9px 25px;width:100%}#custom-header-wrapper .header__nav .menu>li.menu-item:first-of-type,#custom-header-wrapper .header__nav .menu>li.menu-item:last-of-type{padding:9px 25px}#custom-header-wrapper .header__nav .menu>li.menu-item>a{font-size:18px;height:100%;line-height:1.15}#custom-header-wrapper .header__nav .menu>li.menu-item.active a{color:inherit}#custom-header-wrapper .header__nav .menu>li.menu-item.active{border-left:4px solid}#custom-header-wrapper .header__nav .menu>li.menu-item .header-divider{border:none;box-shadow:inset -1px 0 0 0 #333;color:#cdc1b2;display:none;height:calc(100% - 35px);left:31%;position:absolute;top:10px;transition:none;width:2px;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .header-divider{display:block;z-index:2}#custom-header-wrapper .header__nav .sub-menu-wrap{background-color:#171717;box-shadow:none;color:#fcfcfc;font-size:13px;height:85vh;left:auto;padding:0 0 0 25px;position:absolute;right:0;top:10px;width:69%;z-index:1}#custom-header-wrapper .header__nav .menu>li.menu-item.active .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .menu .menu-item:hover .sub-menu-wrap{visibility:hidden}#custom-header-wrapper .header__nav .sub-menu-wrap:before{display:none}#custom-header-wrapper .header__nav .sub-menu{flex-direction:column;height:100%;width:100%}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item{display:inline-block;flex-shrink:0;height:40px;margin-right:0;padding:0;width:auto}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child{display:block;padding-top:1px}#custom-header-wrapper .header__nav .menu .sub-menu .menu-item:first-child a{padding:3px 24px 0 0}#custom-header-wrapper .header__indicator{display:none}#custom-header-wrapper .header__nav .menu .legal-links{display:block;font-size:13px;padding:10px 25px}#custom-header-wrapper .header__nav .menu .legal-link{color:#fcfcfc;font-family:Work Sans,sans-serif;font-size:10px;line-height:12px;padding-bottom:10px}#custom-header-wrapper .header__nav .menu .legal-link a{color:#fcfcfc;font-family:Work Sans,sans-serif}@media only screen and (min-width:1024px){#custom-header-wrapper .header__logo{margin-left:auto;margin-right:auto}#custom-header-wrapper .header__logo a{height:31px}#custom-header-wrapper .header__logo svg{height:28px!important;width:104px!important}#custom-header-wrapper .menu-toggle{margin-left:16px}#custom-header-wrapper .menu-toggle .menu-toggle-wrap:hover{background-color:#383838;border-radius:50%}#custom-header-wrapper .menu-toggle .menu-toggle-wrap svg{height:24px;width:24px}}#custom-header-wrapper .header__nav{background:#171717;height:100vh;height:calc(var(--vh, 1vh)*100);left:-304px;transition:left .3s ease-in-out;width:100%;width:304px}@media (min-width:1024px){#custom-header-wrapper .header__nav{left:-280px;width:280px}}#custom-header-wrapper .header__nav.active{left:0}#custom-header-wrapper .header__nav .wp-menu{-webkit-overflow-scrolling:touch;-ms-overflow-style:none;border-top:1px inset hsla(0,0%,100%,.8);max-height:calc(100vh - 90px);overflow:scroll!important;padding:5px 0 190px;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item:hover .sub-menu-wrap{visibility:visible}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .main-menu-wrap>a{cursor:pointer;font-family:Work Sans,sans-serif;font-size:16px;font-weight:400;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap::-webkit-scrollbar,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu::-webkit-scrollbar{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{-ms-overflow-style:none;scrollbar-width:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{background-color:#171717;border:none;border-top:1px inset hsla(0,0%,100%,.8);display:none;height:100vh;height:calc(var(--vh, 1vh)*100);left:100%;margin:0;max-height:100vh;max-height:calc(var(--vh, 1vh)*100);overflow:auto;padding:0;position:absolute;transition:all .5s;visibility:visible}@media (min-width:500px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{max-height:calc(100vh - 48px);max-height:calc(var(--vh, 1vh)*100 - 48px)}}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap{border-top:none;display:block;right:-280px;top:0;transition:none;visibility:hidden;width:280px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap.mobile-active{border-left:none;display:block;left:0;right:0;top:0;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{align-items:center;color:#fcfcfc;display:block;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:700;padding:20px 0 13px 10px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn{display:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-arrow{fill:#fff;margin-right:8px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .mobile-back-btn .back-text{font-size:18px;font-weight:400;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#171717;color:#bbb;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding:13px 0 18px 16px;position:relative}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text{background:#171717;color:#fcfcfc;cursor:pointer;display:contents;font-family:Work Sans,sans-serif;font-size:14px;font-weight:400;letter-spacing:-.2px;line-height:24px;position:relative;width:82%}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text{padding-right:10px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title a,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text a{display:block}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .sub-menu-title .chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{height:25.5px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text.first-link{height:24px}}@media (min-width:1440px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{padding:12px 16px 12px 24px}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap>a{align-items:center;color:#fcfcfc;display:flex;font-family:Work Sans,sans-serif;font-size:18px;font-weight:400;justify-content:space-between;letter-spacing:-.2px;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .link-icon{fill:#fff;height:24px;width:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .icon-hidden{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .menu-tab{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:190px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .sub-menu .sub-menu-item:last-child{margin-bottom:50px}}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:5px 0 5px 16px}@media screen and (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .news-letter-subscribe{maring:0;display:none}}#custom-header-wrapper .header__nav .wp-menu .static-links{color:#fcfcfc;cursor:pointer;display:inline-block;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;letter-spacing:-.2px;line-height:12px;width:100%}#custom-header-wrapper .header__nav .wp-menu .static-links.forbes-text{cursor:revert}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu{border-top:none;padding:18px 0 0}#custom-header-wrapper .header__nav .wp-menu .news-letter-wrap{margin:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:0}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{height:36px;line-height:10px;padding-right:14px}#custom-header-wrapper .header__nav .wp-menu .sub-menu{margin-top:5px;padding:16px 0 11px}#custom-header-wrapper .header__nav .wp-menu .sub-menu .sub-menu-1{margin-top:-16px}}#custom-header-wrapper .search_icon{align-items:center;display:inline-flex;height:100%;padding:0 16px;position:absolute;right:0;width:auto}#custom-header-wrapper .search_icon_svg{cursor:pointer;height:24px;padding-left:16px;position:relative}#custom-header-wrapper .search_icon_svg svg{height:24px;width:24px}#custom-header-wrapper .search_icon_svg .sparkels-icon{height:18px;position:absolute;right:-6px;top:-6px;width:18px}@media screen and (min-width:768px){#custom-header-wrapper .search_icon_svg .sparkels-icon{right:2px;top:2px}}#custom-header-wrapper .subscribe-button{align-items:center;background:#dc0000;border-radius:5px;color:#fff;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;height:32px;justify-content:center;letter-spacing:-.2px;line-height:0px;min-width:90px;padding-top:1px}#custom-header-wrapper .subscribe-button:hover{background-color:#c20000}@media screen and (min-width:768px){#custom-header-wrapper .search_icon{padding:0 16px 0 24px}#custom-header-wrapper .search_icon_svg{border-radius:50%;height:40px;padding:8px;width:40px}#custom-header-wrapper .search_icon_svg:hover{background-color:#383838}#custom-header-wrapper .subscribe-button{font-size:14px;height:40px;line-height:0px;margin-right:16px;min-width:99px}#custom-header-wrapper .md-inline-block{display:inline-block!important}}#custom-header-wrapper .p-24px{padding:24px}#custom-header-wrapper .w-5{width:20px}#custom-header-wrapper .h-3{height:12px}#custom-header-wrapper .mx-20px{margin-left:20px;margin-right:20px}#custom-header-wrapper .pb-12px{padding-bottom:12px}#custom-header-wrapper .fixed{position:fixed}#custom-header-wrapper .z-50{z-index:50}#custom-header-wrapper .h-screen{height:100vh}#custom-header-wrapper .w-full{width:100%}#custom-header-wrapper .mx-5{margin-left:1.25rem!important;margin-right:1.25rem!important}#custom-header-wrapper .bg-white{background-color:#fff}#custom-header-wrapper .p-6{padding:1.5rem}#custom-header-wrapper .rounded-5px{border-radius:5px}#custom-header-wrapper .text-333333{color:#333}#custom-header-wrapper .pb-3{padding-bottom:.75rem}#custom-header-wrapper .border-light{border-color:#ddd}#custom-header-wrapper .text-20px{font-size:20px}@media screen and (min-width:768px){#custom-header-wrapper .md-hidden{display:none!important}}#custom-header-wrapper .font-euclidcircularb,#custom-header-wrapper .font-euclidcircularb-regular{font-family:EuclidCircularB,sans-serif;font-weight:400}#custom-header-wrapper .font-bold{font-weight:700}#custom-header-wrapper .mt-6{margin-top:1.5rem}#custom-header-wrapper .mt-24px{margin-top:24px}#custom-header-wrapper .w-24px{width:24px}#custom-header-wrapper .h-16px{height:16px}#custom-header-wrapper .mr-26px{margin-right:26px}#custom-header-wrapper .w-6{width:1.5rem}#custom-header-wrapper .h-4{height:1rem}#custom-header-wrapper .mr-15px{margin-right:15px}#custom-header-wrapper .pos-r{position:relative}#custom-header-wrapper .ml-auto,#custom-header-wrapper .mx-auto{margin-left:auto!important}#custom-header-wrapper .mr-auto,#custom-header-wrapper .mx-auto{margin-right:auto!important}#custom-header-wrapper .text-18px{font-size:18px}#custom-header-wrapper .text-white{color:#fff}#custom-header-wrapper .ml-6px{margin-left:6px}#custom-header-wrapper .mt-10px{margin-top:10px}#custom-header-wrapper .mt-3{margin-top:.75rem}@media screen and (min-width:768px){#custom-header-wrapper .md-mt-3{margin-top:.75rem}#custom-header-wrapper .md-text-20px{font-size:20px}}#custom-header-wrapper .mr-50px{margin-right:50px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-50px{margin-right:50px}}#custom-header-wrapper .flex-col{flex-direction:column}#custom-header-wrapper .min-h-screen{min-height:100vh}@media screen and (min-width:768px){#custom-header-wrapper .xl-hover-underline:hover{text-decoration:underline}}#custom-header-wrapper .hidden{display:none}#custom-header-wrapper .cursor-pointer{cursor:pointer}#custom-header-wrapper .relative{position:relative}#custom-header-wrapper .h-full{height:100%}#custom-header-wrapper .items-center{align-items:center}@media screen and (min-width:768px){#custom-header-wrapper .md-text-gray-500{color:#333}}#custom-header-wrapper .border-gray-200{border-color:#ddd}#custom-header-wrapper .border-b-1{border-bottom:1px solid;border-color:#333}#custom-header-wrapper .border-none{border-style:none}@media screen and (min-width:768px){#custom-header-wrapper .md-flex{display:flex}}#custom-header-wrapper .flex{display:flex}#custom-header-wrapper .block{display:block}#custom-header-wrapper .inline-flex{display:inline-flex}#custom-header-wrapper .mr-6{margin-right:1.5rem}#custom-header-wrapper .text-14px{font-size:14px}@media screen and (min-width:768px){#custom-header-wrapper .md-mr-0{margin-right:0!important}}@media (min-width:768px){#custom-header-wrapper .md-pr-2{padding-right:.5rem}#custom-header-wrapper .md-pr-8px{padding-right:8px}}#custom-header-wrapper .mr-24px{margin-right:24px}#custom-header-wrapper .font-normal{font-weight:400}#custom-header-wrapper .font-worksans{font-family:Work Sans,sans-serif}#custom-header-wrapper .subpixel-antialiased{-webkit-font-smoothing:auto;-moz-osx-font-smoothing:auto}#custom-header-wrapper .w-20px{width:20px}#custom-header-wrapper .h-12px{height:12px}@media screen and (min-width:768px){#custom-header-wrapper .md-inline-flex{display:inline-flex}}#custom-header-wrapper .absolute{position:absolute}#custom-header-wrapper .top-0{top:0}#custom-header-wrapper .right-0{right:0}#custom-header-wrapper .bg-181716{background-color:#181716}#custom-header-wrapper .mt-2px{margin-top:2px}#custom-header-wrapper .overflow-y-auto{overflow-y:auto}#custom-header-wrapper .py-14px{padding-bottom:14px;padding-top:14px}#custom-header-wrapper .px-18px{padding-left:18px;padding-right:18px}#custom-header-wrapper .pr-27px{padding-right:27px}#custom-header-wrapper .pr-2{padding-right:.5rem!important}#custom-header-wrapper .font-medium{font-weight:500}#custom-header-wrapper .ml-auto{margin-left:auto!important}#custom-header-wrapper .mr-5px{margin-right:5px}#custom-header-wrapper .mr-10px{margin-right:10px}#custom-header-wrapper .leading-normal{line-height:1.5}#custom-header-wrapper .text-base{font-size:1rem}#custom-header-wrapper .text-bfc8fb{color:#bfc8fb}#custom-header-wrapper .outline-none{outline:2px solid transparent;outline-offset:2px}#custom-header-wrapper .main-menu-wrap>a,#custom-header-wrapper .xl-hover-underline{color:#fcfcfc}#custom-header-wrapper .bottom-close-menu a{color:#7d7d7d}#custom-header-wrapper .region-selector-mob *{font-size:16px}#custom-header-wrapper .region-selector-mobile *{line-height:20px}#custom-header-wrapper .outline-none-all-children *{outline:none}.site-wrapper.sticky{padding-top:56px!important}.disable-scroll{overflow:hidden}.mobile-sticky-ed-placeholder{z-index:100000!important}.object-center{-o-object-position:center;object-position:center}.object-cover{-o-object-fit:cover;object-fit:cover} </style> <div id="custom-header-wrapper"> <header class="header-us sticky"> <div class="pos-r relative"> <div class="header__container"> <div class="menu-toggle" id="site-menu-toggle"> <div class="menu-toggle-wrap"> <svg class="open" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4 6H20V8H4V6ZM4 11H20V13H4V11ZM20 16H4V18H20V16Z" fill="white"/> </svg> <svg class="close" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M5.05 3.636L16.364 14.95l-1.414 1.414L3.636 5.05z"></path><path d="M16.364 5.05L5.05 16.364 3.636 14.95 14.95 3.636z"></path></svg> </div> </div> <div class="header-news-letter-wrap"> <a class="news-letter-subscribe" href="https://account.forbes.com/newsletters" target="_blank" rel="noreferrer"> <span class="subscribe-menu">Subscribe To Newsletters</span> <svg class="subscribe-icon envolop-icon" xmlns="http://www.w3.org/2000/svg" width="16px" height="16px" viewBox="0 0 15 15"><path fill-rule="#fff" clip-rule="evenodd" d="M13.667 2c0-.733-.6-1.333-1.333-1.333H1.667C.934.667.334 1.267.334 2v8c0 .733.6 1.333 1.333 1.333h10.667c.733 0 1.333-.6 1.333-1.333V2zm-1.332 0L7 5.333 1.668 2h10.667zm0 8H1.668V3.333l5.333 3.334 5.334-3.334V10z"></path> </svg> </a> </div> <div class="header__logo"> <a href="https://www.forbes.com/" aria-label="Forbes Logo"> <svg class="fs-icon fs-icon--forbes-logo" xmlns="http://www.w3.org/2000/svg" width="104" height="28" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg> </a> </div> <nav class="header__nav"> <ul class="wp-menu"> <li id="top-level-menu-item-0" class="news-letter-wrap"> <a class="news-letter-subscribe" href="https://account.forbes.com/newsletters" target="_blank" rel="noreferrer"> <span class="subscribe-menu">Subscribe To Newsletters</span> <svg class="subscribe-icon envolop-icon" xmlns="http://www.w3.org/2000/svg" width="24px" height="24px" viewBox="0 0 15 15"><path fill-rule="#fff" clip-rule="evenodd" d="M13.667 2c0-.733-.6-1.333-1.333-1.333H1.667C.934.667.334 1.267.334 2v8c0 .733.6 1.333 1.333 1.333h10.667c.733 0 1.333-.6 1.333-1.333V2zm-1.332 0L7 5.333 1.668 2h10.667zm0 8H1.668V3.333l5.333 3.334 5.334-3.334V10z"></path> </svg> </a> </li> <li id="top-level-menu-item-1" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/trump/" class="link-text first-link ">Trump Tracker</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-2" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/worlds-billionaires/" class="link-text ">Billionaires</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Billionaires</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/worlds-billionaires/"> View All Billionaires </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/billionaires/"> World's Billionaires </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/forbes-400/"> Forbes 400 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/self-made-women/"> America's Richest Self-Made Women </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/china-billionaires/"> China's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/india-billionaires/"> India's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/indonesia-billionaires/"> Indonesia's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/korea-billionaires/list/"> Korea's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/thailand-billionaires/list/"> Thailand's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/japan-billionaires/list/"> Japan's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/australia-billionaires/"> Australia's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/taiwan-billionaires/"> Taiwan's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/singapore-billionaires/"> Singapore's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/philippines-billionaires/"> Philippines' Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/hong-kong-billionaires/"> Hong Kong's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/malaysia-billionaires/"> Malaysia's Richest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/money-politics/"> Money & Politics </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/2024-election/"> 2024 Election </a> </li> </ul> </div> </li> <li id="top-level-menu-item-17" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/innovation/" class="link-text ">Innovation</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Innovation</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/innovation/"> View All Innovation </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/ai/"> AI </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/big-data/"> Big Data </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cloud/"> Cloud </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cloud100/"> Cloud 100 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/consumer-tech/"> Consumer Tech </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/creator-economy/"> Creator Economy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cybersecurity/"> Cybersecurity </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-transformation/"> Digital Transformation </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/topics/enterprise-commerce/"> Enterprise Commerce </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/topics/enterprise-security-and-protection/"> Enterprise Security and Protection </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/enterprise-tech/"> Enterprise Tech </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/topics/enterprise-growth-strategy/"> Enterprise Growth Strategy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/future-of-work"> Future Of Work </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/gaming/"> Gaming </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/insights-greenhousecom/2024/08/14/how-ai-can-help-you-make-your-smartest-hire-yet/"> greenhouse Insights: How AI Can Help You Make Your Smartest Hire Yet <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/healthcare"> Healthcare </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/innovation-rules"> Innovation Rules </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/topics/retail-industry/"> Retail Industry </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/sap/"> SAP BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/science/"> Science </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/social-media/"> Social Media </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sustainability/"> Sustainability & Climate </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/transportation/"> Transportation </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/venture-capital/"> Venture Capital </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/technology/"> Technology </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/vmware/"> VMware BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/zendesk"> Zendesk BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> </ul> </div> </li> <li id="top-level-menu-item-27" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/leadership/" class="link-text ">Leadership</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Leadership</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/leadership/"> View All Leadership </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/careers/"> Careers </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/ceo-network"> CEO Network </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cfo-network/"> CFO Network </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/chro-network/"> CHRO Network </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cio-network/"> CIO Network </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cmo-network/"> CMO Network </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cxo"> CxO </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/diversity-inclusion/"> Diversity, Equity & Inclusion </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/education/"> Education </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbeseq"> Forbes EQ <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/blk-leadership/"> ForbesBLK </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/women-at-forbes/"> ForbesWomen </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/leadership-strategy/"> Leadership Strategy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/under30/"> Under 30 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/working-remote/"> Working Remote </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/over-50/"> Over 50 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/deloitte/"> Deloitte BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/delltechnologies/"> Dell Technologies BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> </ul> </div> </li> <li id="top-level-menu-item-18" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/money/" class="link-text ">Money</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Money</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/money/"> View All Money </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/banking-insurance/"> Banking & Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/etfs-mutual-funds/"> ETFs & Mutual Funds </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/fintech/"> Fintech </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/hedge-funds-private-equity/"> Hedge Funds & Private Equity </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/investing/"> Investing </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/investor-hub/"> Investor Hub </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/markets/"> Markets </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/personal-finance/"> Personal Finance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/newsletters/"> Premium Investing Newsletters </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/retirement/"> Retirement </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/taxes/"> Taxes </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/top-advisor-shook/"> Top Advisor <span class="paid-link-text">| SHOOK</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/wealth-management/"> Wealth Management </a> </li> </ul> </div> </li> <li id="top-level-menu-item-13" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/digital-assets/" class="link-text ">Forbes Digital Assets</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Forbes Digital Assets</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/digital-assets/"> View All Forbes Digital Assets </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/"> Home </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/community/"> Web3 Community </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/news/"> News </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/crypto-prices/"> Crypto Prices </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/nft-prices/"> NFT Prices </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/research/"> Research </a> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/digital-assets/learn/" class="title-text">Learn</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/crypto-basics/"> Crypto Basics </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/btc/"> BTC </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/defi/"> DeFi </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/web3-education/"> Web3 Education </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/nfts/"> NFTs </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/digital-assets/learn/crypto-investments/"> Crypto Investments </a> </span> </div> </div> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/events/"> Events </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/digital-assets/crypto-advisor-portfolio/"> Crypto Portfolios </a> </li> </ul> </div> </li> <li id="top-level-menu-item-9" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/newsletters/" class="link-text ">Investment Newsletters</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-10" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/business/" class="link-text ">Business</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Business</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/business/"> View All Business </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/aerospace-defense/"> Aerospace & Defense </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/energy/"> Energy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/food-drink/"> Food & Drink </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/hollywood-entertainment/"> Hollywood & Entertainment </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/law/"> Law </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/manufacturing/"> Manufacturing </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/media/"> Media </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/policy/"> Policy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/retail/"> Retail </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sportsmoney/"> SportsMoney </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/entertainment/"> Entertainment Digest </a> </li> </ul> </div> </li> <li id="top-level-menu-item-11" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/small-business/" class="link-text ">Small Business</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Small Business</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/small-business/"> View All Small Business </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/entrepreneurs/"> Entrepreneurs </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/franchises/"> Franchises </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/small-business-strategy/"> Small Business Strategy </a> </li> </ul> </div> </li> <li id="top-level-menu-item-3" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/lifestyle/" class="link-text ">Lifestyle</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Lifestyle</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/lifestyle/"> View All Lifestyle </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/arts/"> Arts </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/boats-planes/"> Boats & Planes </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/cars-bikes/"> Cars & Bikes </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/dining/"> Dining </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/forbeslife/"> ForbesLife </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/forbes-travel-guide/"> Forbes Travel Guide </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/spirits/"> Spirits </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/style-beauty/"> Style & Beauty </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/travel/"> Travel </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/vices/"> Vices </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/watches-jewelry/"> Watches </a> </li> </ul> </div> </li> <li id="top-level-menu-item-11" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/real-estate" class="link-text ">Real Estate</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Real Estate</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/real-estate"> View All Real Estate </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/commercial-real-estate"> Commercial Real Estate </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/forbes-global-properties"> Forbes Global Properties </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/residential-real-estate"> Residential Real Estate </a> </li> </ul> </div> </li> <li id="top-level-menu-item-3" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/vetted/" class="link-text ">Vetted</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Vetted</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/vetted/"> View All Vetted </a> </li> <li class="sub-menu-item sub-menu-1 "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/mattress-sleep/" class="title-text">Mattress & Sleep</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/bed-frames/"> Bed Frames </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/mattresses/"> Mattresses </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/mattress-toppers/"> Mattress Toppers </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/pillows/"> Pillows </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/sheets-bedding/"> Sheets & Bedding </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/mattress-sleep/sleep-products/"> Sleep Products </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/home/" class="title-text">Home</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/bathroom/"> Bathroom </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/cleaning-laundry/"> Cleaning & Laundry </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/decor/"> Decor </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/furniture/"> Furniture </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/heating-cooling/"> Heating & Cooling </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/hobbies/"> Hobbies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home-office/"> Home Office </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/kitchen-dining/"> Kitchen & Dining </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/outdoor/"> Outdoor </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/pets/"> Pets </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/storage-organization/"> Storage & Organization </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/tools/"> Tools </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/home/wine-bar/"> Wine & Bar </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/fashion/" class="title-text">Fashion</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/accessories/"> Accessories </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/clothing/"> Clothing </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/eyewear/"> Eyewear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/footwear/"> Footwear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/jewelry/"> Jewelry </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/handbags-purses/"> Handbags & Purses </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/lingerie-sleepwear/"> Lingerie & Sleepwear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/outdoor-fitness-apparel/"> Outdoor & Fitness Apparel </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/outerwear/"> Outerwear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/fashion/watches/"> Watches </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/kids-baby-gear/" class="title-text">Kids & Baby Gear</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/kids-baby-gear/baby-gear/"> Baby Gear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/kids-baby-gear/kids-clothes-accessories/"> Kids Clothes & Accessories </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/kids-baby-gear/nursery/"> Nursery </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/kids-baby-gear/pregnancy-postpartum/"> Pregnancy & Postpartum </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/kids-baby-gear/toys-books/"> Toys & Books </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/gear/" class="title-text">Gear</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/apparel-accessories/"> Apparel & Accessories </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/bikes/"> Bikes </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/camping-hiking/"> Camping & Hiking </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/climbing/"> Climbing </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/fishing-hunting/"> Fishing & Hunting </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/fitness/"> Fitness </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/golf/"> Golf </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/running/"> Running </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/tennis-racket-sports/"> Tennis & Racket Sports </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/tools-tech/"> Tools & Tech </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://ww.forbes.com/vetted/gear/training-recovery/"> Training & Recovery </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/water-sports/"> Water Sports </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/wellness/"> Wellness </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gear/winter-sports/"> Winter Sports </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/beauty-grooming/" class="title-text">Beauty & Grooming</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/haircare/"> Haircare </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/makeup/"> Makeup </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/nailcare/"> Nailcare </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/shaving/"> Shaving </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/skincare/"> Skincare </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/personal-products/"> Personal Products </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/beauty-grooming/wellness-self-care/"> Wellness & Self Care </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/tech-electronics/" class="title-text">Tech & Electronics</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/audio/"> Audio </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/cameras/"> Cameras </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/computers-tablets-accessories/"> Computers, Tablets & Accessories </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/gaming/"> Gaming </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/home-office/"> Home Office </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/online-tools/"> Online Tools </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/smart-home-devices/"> Smart Home Devices </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/smartphones-smartwatches-accessories/"> Smartphones, Smartwatches & Accessories </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/streaming/"> Streaming </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/tech-electronics/tvs/"> TVs </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/travel/" class="title-text">Travel</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/travel/cruises/"> Cruises </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/travel/hotels-lodging/"> Hotels & Lodging </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/travel/luggage/"> Luggage </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/travel/travel-products/"> Travel Products </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/gifts/" class="title-text">Gifts</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gifts/fathers-day/"> Father's Day </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gifts/holiday/"> Holiday </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gifts/mothers-day/"> Mother's Day </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gifts/valentines-day/"> Valentine's Day </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/gifts/wedding/"> Wedding </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/vetted/deals/" class="title-text">Deals</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/black-friday/"> Black Friday </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/cyber-monday/"> Cyber Monday </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/amazon-prime-day/"> Amazon Prime Day </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/beauty-grooming/"> Beauty & Grooming </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/big-sales/"> Big Sales </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/fashion/"> Fashion </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/gear/"> Gear </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/home/"> Home </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/tech-electronics/"> Tech & Electronics </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/travel-deals/"> Travel Deals </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/vetted/deals/mattress-sleep/"> Mattress & Sleep </a> </span> </div> </div> </li> </ul> </div> </li> <li id="top-level-menu-item-10" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/forbes-101/" class="link-text ">Forbes 101</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-11" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/advisor/" class="link-text ">Advisor</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Advisor</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/advisor/"> View All Advisor </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/best-credit-cards/"> Best Credit Cards Of 2025 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/compare/"> Compare Credit Cards </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/best/balance-transfer/"> Balance Transfer Credit Cards </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/best/cash-back/"> Cash Back Credit Cards </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/best-travel-credit-cards/"> Travel Credit Cards </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/credit-cards/best/business/"> Business Credit Cards </a> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/advisor/mortgages/" class="title-text">Mortgages & Loans</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/mortgages/best-mortgage-lenders/"> Best Mortgage Lenders </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/mortgages/mortgage-rates/"> Today's Mortgage Rates </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/mortgages/refinance/refinance-rates/"> Today's Refinance Rates </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/personal-loans/best-personal-loans/"> Best Personal Loans </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/personal-loans/bad-credit-loans/"> Loans For Bad Credit </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/personal-loans/debt-consolidation-loans/"> Best Debt Consolidation Loans </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/student-loans/best-private-student-loans/"> Best Student Loan Lenders </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/student-loans/best-student-loan-refinance-lenders/"> Best Student Loan Refinance Lenders </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business-loans/best-small-business-loans/"> Business Loans </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/advisor/banking/" class="title-text">Banking</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/banking/best-online-banks/"> Best Online Banks </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/"> CD Rates </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"> High-Yield Savings Accounts </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/banking/money-market-account/best-money-market-accounts/"> Money Market Account </a> </span> </div> </div> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/"> Life Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/life-insurance/cheap-life-insurance/"> Cheap Life Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/"> No Exam Life Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/travel-insurance/best-travel-insurance-companies/"> Travel Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/travel-insurance/best-pandemic-travel-insurance/"> Covid-19 Travel Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/travel-insurance/cheap-travel-insurance/"> Cheap Travel Insurance Companies </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/car-insurance/best-car-insurance-companies/"> Best Car Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/car-insurance/car-insurance-quotes/"> Compare Car Insurance Quotes </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/car-insurance/average-cost-of-car-insurance/"> Cost Of Car Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/car-insurance/cheapest-car-insurance/"> Cheap Car Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/pet-insurance/best-pet-insurance/"> Pet Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/pet-insurance/pet-insurance-cost/"> How Much Is Pet Insurance? </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/pet-insurance/best-cheap-pet-insurance/"> Cheap Pet Insurance </a> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/advisor/business/" class="title-text">Business Services</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-llc-service/"> Best LLC Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-registered-agent-services/"> Best Registered Agent Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-to-set-up-an-llc-in-7-steps/"> How To Set Up An LLC </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/how-to-start-a-business/"> How To Start A Business </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/cost-to-form-llc/"> Cost To Start An LLC </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-payroll-services/"> Best Payroll Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-human-resource-management-systems/"> Best HR Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/hris-systems/"> Best HRIS Systems </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-peo-services/"> Best PEO Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-applicant-tracking-systems/"> Best Applicant Tracking Systems </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-website-builders/"> Best Website Builders </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-web-hosting-services/"> Best Web Hosting Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-domain-registrar/"> Best Domain Registrar </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-ecommerce-platform/"> Best Ecommerce Platform </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-landing-page-builder/"> Best Landing Page Builder </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-voip-service/"> Best VoIP Service </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/what-voip/"> What Is VoIP? </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-answering-services/"> Best Answering Services </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-call-center-software/"> Best Call Center Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/cloud-phone-system/"> Best Cloud Phone System </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-project-management-software/"> Best Project Management Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/free-project-management-software/"> Free Project Management Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-task-management-software/"> Best Task Management Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/free-task-management-software/"> Free Task Management Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-gantt-chart-software/"> Best Gantt Chart Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-vpn/"> Best VPN </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/best-free-vpn/"> Best Free VPN </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-cheap-vpn/"> Best Cheap VPN </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-antivirus-software/"> Best Antivirus Software </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/advisor/business/software/best-password-managers/"> Best Password Managers </a> </span> </div> </div> </li> <li class="sub-menu-item "> <div class="accordian-wrapper"> <div class="sub-accord-wrapper"> <a href="https://www.forbes.com/home-improvement/" class="title-text">Home Services</a> <div class="accordian-title"> <span class="chevron-arrow"></span> </div> </div> <div class="accordian-menu answer hidden"> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/moving-services/best-moving-companies/"> Best Moving Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/moving-services/best-long-distance-moving-companies/"> Best Long Distance Moving Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/moving-services/best-car-shipping-companies/"> Best Car Shipping Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/moving-services/best-interstate-moving-companies/"> Best Interstate Moving Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/moving-services/movers-and-packers-cost/"> How Much Do Movers Cost? </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-warranty/best-home-warranty-companies/"> Best Home Warranty Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-warranty/cheapest-warranty-companies/"> Cheapest Home Warranty Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-warranty/are-home-warranties-worth-it/"> Are Home Warranties Worth It? </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-warranty/home-warranty-cost/"> Home Warranty Cost </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-warranty/best-home-appliance-insurance/"> Best Home Appliance Insurance </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/solar/best-solar-companies/"> Best Solar Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/solar/best-solar-panels/"> Best Solar Panels </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/solar/cost-of-solar-panels/"> Cost Of Solar Panels </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/solar/solar-tax-credit-by-state/"> Solar Tax Credit By State </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/solar/are-solar-panels-worth-it/"> Are Solar Panels Worth It? </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/pest-control/best-pest-control-companies/"> Best Pest Control Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/pest-control/best-termite-control-companies/"> Best Termite Control Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/pest-control/best-mosquito-control-companies/"> Best Mosquito Control Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/pest-control/pest-control-cost/"> Pest Control Cost </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/pest-control/how-much-does-exterminator-cost/"> How Much Do Exterminators Cost? </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-security/best-home-security-companies/"> Best Home Security Companies </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-security/best-home-security-systems/"> Best Home Security Systems </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-security/home-security-system-cost/"> Home Security System Cost </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-security/cheapest-home-security-systems/"> Cheapest Home Security Systems </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/home-security/best-wireless-home-security-system/"> Best Wireless Home Security Systems </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/internet/best-internet-providers/"> Best Internet Providers </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/internet/cheapest-internet-plans/"> Cheapest Internet Plans </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/internet/fastest-high-speed-internet-provider/"> Fastest High Speed Internet Providers </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/internet/best-internet-only-plans/"> Best Internet Only Plans </a> </span> <span class="title-wrap"> <a class="xl-hover-underline" href="https://www.forbes.com/home-improvement/internet/best-fiber-internet-providers/"> Best Fiber Internet Providers </a> </span> </div> </div> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/uk/advisor/"> Forbes Advisor UK </a> </li> </ul> </div> </li> <li id="top-level-menu-item-24" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/health/" class="link-text ">Health</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Health</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/health/"> View All Health </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/nutrition/diet/best-diets/"> Best Diets </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/healthy-aging/"> Healthy Aging </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/medical-alert-systems/best-medical-alert-systems/"> Best Medical Alert Systems </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/medicare/"> Medicare </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/medicare/best-medicare-advantage-providers/"> Medicare Advantage Plans </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/medicare/best-medicare-supplement-providers/"> Medicare Supplement Plans </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/medicare/medicare-advantage-by-state/"> Medicare Advantage By State </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/advisor/health-insurance/best-health-insurance-companies/"> Health Insurance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/hearing-aids/"> Hearing Aids </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/hearing-aids/best-hearing-aids/"> Best Hearing Aids </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/senior-living/"> Senior Living </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/mind/"> Mind </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/mind/best-online-therapy/"> Best Online Therapy </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/cbd/best-cbd-gummies/"> Best CBD Gummies </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/health/cbd/best-cbd-oil/"> Best CBD Oil </a> </li> </ul> </div> </li> <li id="top-level-menu-item-15" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/lists/" class="link-text ">Lists</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-16" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/video/" class="link-text ">Video</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-17" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://account.forbes.com/newsletters/?utm_source=forbes&utm_medium=featured&utm_campaign=navigation" class="link-text ">Newsletters</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Newsletters</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://account.forbes.com/newsletters/?utm_source=forbes&utm_medium=featured&utm_campaign=navigation"> View All Newsletters </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="http://bit.ly/2Y2rVX8"> Crypto Confidential </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://account.forbes.com/newsletters/?utm_source=forbes&utm_medium=featured&utm_campaign=navigation"> Editorial Newsletters </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://bit.ly/2Rkd9oN"> Investing Digest </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/newsletters/"> Premium Investing Newsletters </a> </li> </ul> </div> </li> <li id="top-level-menu-item-4" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/games/" class="link-text ">Forbes Games</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Forbes Games</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/games/"> View All Forbes Games </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/frase/"> Frase by Forbes </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/games/pinpoint/"> Pinpoint by LinkedIn </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/games/queens/"> Queens by LinkedIn </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/games/crossclimb/"> Crossclimb by LinkedIn </a> </li> </ul> </div> </li> <li id="top-level-menu-item-4" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/forbes-magazine/#42ad043030a4" class="link-text ">Forbes Magazine</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Forbes Magazine</span> </div> <ul class="sub-menu"> <li class="all-category-link"> <a href="https://www.forbes.com/forbes-magazine/#42ad043030a4"> View All Forbes Magazine </a> </li> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/forbesasia/#7cb46d1d2f95"> Forbes Asia </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://w1.buysub.com/pubs/B4/FRB/16-forbes_relaunch_landingpage_2freetrial.jsp?cds_mag_code=FRB&cds_page_id=241223"> Free Issue of Forbes </a> </li> </ul> </div> </li> <li id="top-level-menu-item-2" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="javascript:;" class="link-text ">Latest</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Latest</span> </div> <ul class="sub-menu"> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/coronavirus/#59d4597c20dd"> Coronavirus Coverage </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/daily-cover-stories/#78127e5b6a74"> Daily Cover Stories </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/dark-capital/#4bf21bb954c9"> Dark Capital </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/editors-picks/#15c416d878bf"> Editors' Picks </a> </li> </ul> </div> </li> <li id="top-level-menu-item-4" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="https://www.forbes.com/news/" class="link-text ">Breaking News</a> <span class="icon-hidden"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> </li> <li id="top-level-menu-item-5" class="wp-menu-item wp-menu-item-dynamic-list"> <span class="main-menu-wrap" > <a href="javascript:;" class="link-text ">Featured</a> <span class="link-icon"> <svg class="icon" width="24" height="24" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M8.2 7.2L13 12l-4.8 4.8 1.5 1.4L16 12 9.7 5.8z"></path></svg> </span> </span> <div class="sub-menu-wrap"> <div class="mobile-back-btn"> <svg class="back-icon back-arrow cursor-pointer" width="24px" height="24px" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path d="M14.3 5.8L8 12l6.3 6.2 1.5-1.4L11 12l4.8-4.8z"></path></svg> <span class="back-text">Featured</span> </div> <ul class="sub-menu"> <li class="sub-menu-item sub-menu-1 "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/insights-american-express/2024/11/26/5-findings-that-could-reveal-your-companys-path-to-payment-innovation/"> American Express Insights: 5 Findings That Could Reveal Your Company's Path To Payment Innovation </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2024/11/21/the-ceos-guide-to-marketing/"> The CEO's Guide To Marketing </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/richardnieva/2024/11/19/the-forbes-cio-next-list-2024/"> The Forbes CIO Next List: 2024 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/lists/top-wealth-management-teams-high-net-worth/?sh=3dff2fb023e1"> America's Top Wealth Management Teams High Net Worth </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2024/09/18/the-one-who-changed-everything/"> The One Who Changed Everything Video Series </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/30-under-30/2023/"> 30 Under 30 2023 </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbes-research/2023/10/26/c-suite-data-reveals-ais-nuanced-impact--a-quest-to-quantify-it/?sh=2e0ce1152c4a"> AI's Nuanced Impact And A Quest To Quantify It </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/cognizant/2024/05/15/gen-ai-leadership-conversation-series/"> Cognizant BrandVoice: Gen AI Leadership Conversation Video Series <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2023/11/01/dna-of-success-2023"> DNA of Success </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbes-research/2023/10/26/new-forbes-survey-reveals-how-executives-are-embracing---and-bracing-for---ai/?sh=4c9ec37647fe"> Embracing And Bracing For AI </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbes-research/2023/11/01/facing-a-volatile-market-c-suites-look-to-the-cfo-for-strategic-guidance/?sh=5ebd4e0f8752"> Facing A Volatile Market, C-Suites Look To The CFO For Strategic Guidance </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbes-research/2023/06/07/resiliency-and-ingenuity-revealed-in-new-forbes-small-business-research/?sh=7933ed832cee"> Forbes Research: 2023 Small Business Survey </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/statefarm/2024/08/13/i-am-who-i-am-owning-your-personal-and-professional-brand/"> 'I Am Who I Am': Owning Your Personal And Professional Brand <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/tiaa"> TIAA BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/video/17c95107-2e8f-410a-bd28-3b3b3f8321c2/citizens-bank-cxo-beth-johnson-finds-success-by-innovating-on-the-margins/"> Forbes CXO Spotlight </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2024/09/16/scaling-ai/"> Scaling AI Editorial Video Series <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/lists/top-ria-firms"> America's Top RIA Firms </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/servicenow/2024/10/15/5-traits-of-ai-pacesetters-to-help-you-pull-ahead/"> 5 Traits of AI Pacesetters to Help You Pull Ahead <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="javascript:;"> State Farm BrandVoice <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/insights-thomsonreuters/2024/10/30/4-factors-to-explore-when-considering-ai-for-professional-work/"> Thomson Reuters Insights Premium Post: 4 Factors To Explore When Considering Professional-Grade AI <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/paypal/2024/10/31/the-future-of-e-commerce/"> PayPal BrandVoice Premium Post: The Future Of E-Commerce <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/almanac/2024/11/04/the-birth-of-almanac-a-re-evaluation-of-whats-really-needed-in-farming"> The Birth Of Almanac: A Re-Evaluation Of What's Really Needed In Farming <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2024/02/22/forbes-leadership-lessons-on-financial-literacy/"> Leadership Lessons on Financial Literacy Video Series, presented by New York Life <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/paypal/2024/11/13/how-merchants-are-leveling-up-checkout-to-drive-conversion/"> PayPal BrandVoice Premium Post: How Merchants Are Leveling Up Checkout To Drive Conversion <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/video/5dd30175-916e-4349-9cab-564a384e45da/hyoeun-kim-on-lgs-brand-promise-lifes-good/"> Hyoeun Kim On LG's Brand Promise, "Life's Good" <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/t-rowe-price/2024/11/20/poised-to-outperform-rev-up-your-investment-strategy-with-active-etfs/"> Poised To Outperform: Rev Up Your Investment Strategy With Active ETFs <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/servicenow/2024/11/22/why-its-time-to-see-your-workforce-in-4d/"> ServiceNow BrandVoice Premium Post: Why It's Time To See Your Workforce In 4D <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/forbesvideo/2024/02/22/forbes-leadership-lessons-on-financial-literacy/"> Presented by New York Life: Forbes Leadership Lessons On Financial Literacy <span class="paid-link-text">| Paid Program</span> </a> </li> <li class="sub-menu-item "> <a class="sub-menu-title xl-hover-underline no-child-menu" href="https://www.forbes.com/sites/sap/2024/12/05/4-ways-a-cloud-erp-can-unleash-ai-potential/"> SAP BrandVoice: 4 Ways A Cloud ERP Can Unleash AI Potential <span class="paid-link-text">| Paid Program</span> </a> </li> </ul> </div> </li> <li id="top-level-menu-item-29" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/connect/">Advertise with Forbes</a> </li> <li id="top-level-menu-item-30" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/contact/">Report a Security Issue</a> </li> <li id="top-level-menu-item-31" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/sites/forbesstaff/article/forbes-editorial-values-and-standards">Editorial Values and Standards</a> </li> <li id="top-level-menu-item-32" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="mailto:feedback@forbes.com">Site Feedback</a> </li> <li id="top-level-menu-item-33" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/contact/">Contact Us</a> </li> <li id="top-level-menu-item-34" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/careers-at-forbes/">Careers at Forbes</a> </li> <li id="top-level-menu-item-35" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/tips/">Tips</a> </li> <li id="top-level-menu-item-36" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="mailto:corrections@forbes.com">Corrections</a> </li> <li id="top-level-menu-item-37" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/fdc/privacy.html">Privacy</a> </li> <li id="top-level-menu-item-38" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/consent/editprivacy/?consent_do_not_sell=true">Do Not Sell My Personal Information</a> </li> <li id="top-level-menu-item-39" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.forbes.com/terms/">Terms</a> </li> <li id="top-level-menu-item-40" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://youradchoices.com/control">AdChoices</a> </li> <li id="top-level-menu-item-41" class="wp-menu-item wp-menu-item-static-list"> <a class="static-links" href="https://www.parsintl.com/publication/forbes/">Reprints & Permissions</a> </li> <li id="top-level-menu-item-42" class="wp-menu-item wp-menu-item-static-list static-links forbes-text">© 2025 Forbes Media LLC. All Rights Reserved.</li> </ul> </nav> <div class="search_icon"> <a class="subscribe-button" href="https://account.forbes.com/membership?eventSource=header&redirect=https://www.forbes.com/" target="_blank" role="button" aria-label="Subscribe">Subscribe</a> <a class="search_icon_svg" href="https://www.forbes.com/search/" role="button" aria-label="Search"> <svg class="fs-icon fs-icon--search" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="#fff"><path d="M9.5 14C7 14 5 12 5 9.5S7 5 9.5 5 14 7 14 9.5 12 14 9.5 14zm6 0h-.8l-.3-.3c1-1.1 1.6-2.6 1.6-4.2C16 5.9 13.1 3 9.5 3S3 5.9 3 9.5 5.9 16 9.5 16c1.6 0 3.1-.6 4.2-1.6l.3.3v.8l5 5 1.5-1.5-5-5z"></path></svg> <svg xmlns="http://www.w3.org/2000/svg" class="fs-icon sparkels-icon" viewBox="0 0 19 19" fill="#fff"><path fill="#fff" d="M11.755 14.214a5.055 5.055 0 0 0-.954-1.39c-.389-.4-.839-.725-1.346-.983.513-.24.972-.548 1.373-.933.405-.391.734-.846.995-1.36.244.521.558.985.952 1.388a5 5 0 0 0 1.345.973 5.04 5.04 0 0 0-1.375.943 5.043 5.043 0 0 0-.99 1.362zM5.21 4.128a3.414 3.414 0 0 0-.973.948 3.422 3.422 0 0 0-.946-.976 3.39 3.39 0 0 0 .974-.944 3.38 3.38 0 0 0 .945.972z" stroke="#fff" stroke-width="1.5"></path></svg> </a> </div> </div> <div class="header__indicator"></div> </div> </header> <style> .browser-compat{display:none;width:100%;padding:10px;background-color:#ebd7d7}.browser-compat .warning-icon{height:18px;width:18px;margin-top:5px}.browser-compat p{margin:0 10px;font-size:12px;line-height:22px}.browser-compat .close{background:0 0;outline:0;border:none;margin-left:auto}.browser-compat .close svg{margin-top:2px;height:18px;width:18px}@media all and (-ms-high-contrast:none){.browser-compat{margin-bottom:5px}}@media screen and (min-width:640px){.browser-compat{padding:20px}.browser-compat table tr td{vertical-align:top}.browser-compat .warning-icon{height:20px;width:20px;margin-top:0}.browser-compat p{font-size:16px}.browser-compat .close svg{height:20px;width:20px;margin-top:0}} </style> <table class="browser-compat"> <thead> <tr> <td> <div> <svg class="warning-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"> <path d="M0 0h24v24H0V0z" fill="none" /> <path d="M12 5.99L19.53 19H4.47L12 5.99M12 2L1 21h22L12 2zm1 14h-2v2h2v-2zm0-6h-2v4h2v-4z" /> </svg> </div> </td> <td> <p>You might be using an unsupported or outdated browser. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website.</p> </td> <td> <button class="close"> <svg xmlns="http://www.w3.org/2000/svg" height="24" viewBox="0 0 24 24" width="24"> <path d="M0 0h24v24H0V0z" fill="none" /> <path d="M19 6.41L17.59 5 12 10.59 6.41 5 5 6.41 10.59 12 5 17.59 6.41 19 12 13.41 17.59 19 19 17.59 13.41 12 19 6.41z" /> </svg> </button> </td> </tr> </thead> </table> </div> <div class="main-container" id="optimisedHeaderV1"> <div class="optimised-header-v1 article-link-wrapper"> <div class="main-content-wrapper"> <div style="background-image: url('https://thumbor.forbes.com/thumbor/fit-in/2560x1000/https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png')" class="bg-no-repeat bg-right-top bg-cover" data-ecom-container='{"componentTitle":"How To Choose A Financial Advisor","componentType":"Optimised Header V1 Banner"}'> <div class="banner-wrapper w-full" > <div class="max-w-1080px mx-auto md:px-20px px-15px"> <div class="banner-dislosure-wrapper flex flex-col-reverse md:flex-row md:justify-between"> <div class="bb-disclosure font-work-sans text-xs leading-18px text-white">We independently select all products and services. If you click through links we provide, we may earn a commission. <a target="_blank" href="https://www.forbes.com/advisor/about-us/" >Learn More.</a> </div> <span id="advertiser-disclosure" class="font-work-sans flex justify-end font-semibold text-xs leading-18px cursor-pointer lg:hover:underline text-white" data-ecom-misc-click='{"clickText":"Advertiser Disclosure","clickType":"Tooltip","referenceText":""}'> Advertiser Disclosure </span> </div> <div class="banner-content md:pt-24px pt-2px"> <h1 class="font-bold text-white text-32px leading-42px md:text-48px md:leading-60px mb-24px banner-title">How To Choose A Financial Advisor</h1> <div class="banner-listings mb-20px"> <ul class="m-0 pl-0 pr-2 "> <li class="font-georgia font-normal text-base list-none mb-6px leading-30px relative"> Match with a Financial Advisor in Minutes </li> <li class="font-georgia font-normal text-base list-none mb-6px leading-30px relative"> Recommendations Tailored to your Goals </li> <li class="font-georgia font-normal text-base list-none mb-6px leading-30px relative"> In-Person and Remote Advisory Available </li> </ul> </div> <div class="cta-wapper hide-zipcode"> <div class="cta-innerwrap"> <div class="banner-cta-wrapper"> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=hero-button&utm_content=how-to-choose-fa-top-banner" rel="noopener noreferrer" target="_blank" class="banner-cta" data-ecom-conversion='{"clickText":"Find A Financial Advisor","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=hero-button&utm_content=how-to-choose-fa-top-banner","partnerName":"Data Align"}'>Find A Financial Advisor</a> </div> </div> <div class="cta-below-text-wrapper"> <p class="cta-below-text text-FFFFFF mx-auto md:mx-0 font-work-sans font-normal text-xs leading-4 w-full"> Via Datalign Advisory </p> </div> </div> <div class="bb-timestamp">Updated: Aug 29, 2024, 5:05pm</div> </div> </div> </div> </div> <style id="style_1_author-v2-style">.author-wrap{border-bottom:1px solid #ededed;display:flex;flex-direction:column;margin:16px 0;padding:0 16px}.author-wrap .container,.author-wrap .guides-template__container,.author-wrap .regular-template__container,.author-wrap .review-template__container{padding:0}@media screen and (min-width:821px){.author-wrap .container,.author-wrap .guides-template__container,.author-wrap .regular-template__container,.author-wrap .review-template__container{margin-bottom:24px}.author-wrap{margin:24px 0}}.authors-container{margin-bottom:0;width:100%}.authors-container.container-width{max-width:924px}.authors-container .mobile-disabled-link{pointer-events:none}@media screen and (min-width:1024px){.authors-container .mobile-disabled-link{pointer-events:auto}}@media screen and (min-width:821px){.authors-container{align-items:flex-start;display:flex;flex:1;padding:0 0 24px}}.authors-container .author_img-wrap,.authors-container .title-wrap{position:relative}.authors-container .author_container{display:flex;margin-bottom:16px}.authors-container .author_container.hide-in-mobile{display:none}@media screen and (min-width:821px){.authors-container .author_container.hide-in-mobile{display:flex}.authors-container .author_container{margin-bottom:0;margin-right:32px;max-width:33%}.authors-container .author_container:last-child{margin-right:0}}.authors-container .author_img-wrap{flex-shrink:0;height:40px;margin-right:12px;width:40px}.authors-container .author_img-wrap>a{display:block;height:40px;width:40px}.authors-container .author_img-wrap img{border-radius:100%;cursor:pointer;height:100%;-o-object-fit:cover;object-fit:cover;width:100%}.authors-container .author_right_container .title-wrap,.authors-container .author_with-badge-details .title-wrap{color:#007ac8;flex:1;font-family:Work Sans,sans-serif;font-size:14px;font-style:normal;font-weight:600;line-height:20px;margin:auto 0;text-transform:capitalize}.authors-container .author_right_container .title-wrap .prefix-text,.authors-container .author_with-badge-details .title-wrap .prefix-text{color:#333;margin-right:4px}.authors-container .author_right_container .name,.authors-container .author_with-badge-details .name{cursor:pointer;display:inline}.authors-container .author_right_container .name a,.authors-container .author_right_container .name span,.authors-container .author_with-badge-details .name a,.authors-container .author_with-badge-details .name span{color:#007ac8;word-break:break-word}.authors-container .author_right_container .name a:hover,.authors-container .author_right_container .name span:hover,.authors-container .author_with-badge-details .name a:hover,.authors-container .author_with-badge-details .name span:hover{text-decoration:underline;text-decoration-thickness:1px}.authors-container .author_right_container .designation,.authors-container .author_with-badge-details .designation{color:#333;font-family:Work Sans,sans-serif;font-size:12px;font-style:normal;font-weight:400;line-height:16px;text-transform:capitalize}.authors-container .author_with-badge-details{display:flex}.authors-container .author_with-badge-details .badge-wrap{height:24px;width:-moz-fit-content;width:fit-content}.authors-container .author_with-badge-details .name{display:flex;margin-bottom:0}.authors-container .author_with-badge-details .badge-text{align-items:center;border-left:0;border-radius:4px;box-sizing:border-box;color:#4657a1;display:flex;font-family:EuclidCircularB-Regular,sans-serif,arial;font-size:12px;font-weight:700;white-space:nowrap}.authors-container .author_with-badge-details .badge-wrapper{display:inline-flex;margin-left:-3px;margin-top:-6px;padding-left:18px;position:relative}.authors-container .author_with-badge-details .badge-wrapper:has(.fact-checked-svg){padding-left:20px}.authors-container .author_with-badge-details .badge-wrapper .badge-icon-svg{left:0;position:absolute;top:48%;transform:translateY(-50%);z-index:1}.authors-container .author_with-badge-details .designation .badge-pipe{margin:0 4px}.authors-container .author_with-badge-details .title-top-wrap{display:flex;flex-shrink:0;flex-wrap:wrap}.authors-container .author_with-badge-details .right_wrap{margin:auto 0}.authors-container .top-wrap{align-items:flex-start;display:flex}.more-author{cursor:pointer;margin-bottom:12px;margin-left:4px;margin-top:-8px;width:-moz-fit-content;width:fit-content}.more-author.author-list{margin-top:0}@media screen and (min-width:821px){.more-author{display:none}}.more-author span{color:#007ac8;font-family:Work Sans,sans-serif;font-size:12px;font-weight:600;line-height:15px;margin-right:6px}.more-author .arrow-icon{border-bottom:2px solid #007ac8;border-right:2px solid #007ac8;display:inline-block;height:10px;margin-bottom:-3px;transform:rotate(45deg);transform:rotate(-135deg);width:10px}.more-author .arrow-icon.rotate{margin-bottom:2px;transform:rotate(45deg)}.artice-date-v2-wrap{color:#999;font-size:9px;line-height:11px;margin-top:34px;position:relative}.artice-date-v2-wrap .article-date{bottom:11px;position:absolute}@media screen and (min-width:821px){.artice-date-v2-wrap{font-size:12px;line-height:15px;margin-top:22px}.artice-date-v2-wrap .article-date{right:0}}#landmarkTemplate .color-band .artice-date-v2-wrap{color:#fff}#landmarkTemplate .color-band .author_with-badge-details .badge-text{border-color:#fff;color:#fff}@media screen and (min-width:821px){.author-wrap.total_author_2 .authors-container{flex:2}.author-wrap.total_author_2 .author_right_container .badge-wrapper{margin-top:0}}#authorBylineModalContainer,.hover-bio-wrapper{display:none}#optimisedHeaderV1 .author-wrap{margin-bottom:0;padding:0}#optimisedHeaderV1 .authors-container{margin:0 auto;padding:0 20px}@media screen and (min-width:821px){#optimisedHeaderV1 .authors-container{padding:0 20px 24px}}#optimisedHeaderV1 .primary-author{margin-left:0}#optimisedHeaderV1 .more-author{margin-left:20px}.best-cc-v1-wrapper .author-wrap .authors-container,.post-template-single-top-n-cc-2021.post-template-single-top-n-cc-2021-php .author-wrap .authors-container{padding:0}.post-template-single-best-of-blade .author-wrap .authors-container{padding-left:0;padding-right:0}.page-template-page-homepage-blade .author-wrap{border-bottom:none;padding-left:0;padding-right:0}@media screen and (min-width:821px){.best-cc-v1-wrapper .author-wrap .authors-container,.generic-widget-2021-wrapper .author-wrap .authors-container{padding:0 0 24px}} </style><div class="author-wrap total_author_3"><div class="authors-container max-w-1080px "><div class="author_container primary-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/tepper/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/tepper/" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}' target="_blank">Taylor Tepper </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'>Taylor Tepper</a><span class="author-role">Senior Writer, Banking and Investing</span></div></div><div class="middle-content">Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the r...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/taylor-tepper-20a9553b/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/taylor-tepper-20a9553b\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/tepper/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Senior Writer, Banking and Investing </div></div></div></div></div></div><div class="author_container hide-in-mobile secondary-author co-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/rae-hartley-beck/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}' target="_blank"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="25" height="25" alt="Rae Hartley Beck" class="avatar avatar-25 wp-user-avatar wp-user-avatar-25 alignnone photo" /></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="64" height="64" alt="Rae Hartley Beck" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'>Rae Hartley Beck</a><span class="author-role">Deputy Editor of Investing and Retirement</span></div></div><div class="middle-content">Rae Hartley Beck first started writing about personal finance in 2011 with a regular column in her college newspaper as a staff writer. Since then she has become a leader in the Financial Independence, Retire Early (FIRE) movement and has over 300 by...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/rae-hartley-beck-53a84358/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/rae-hartley-beck-53a84358\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="64" height="64" alt="Rae Hartley Beck" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'>Rae Hartley Beck</a><span class="author-role">Deputy Editor of Investing and Retirement</span></div></div><div class="middle-content">Rae Hartley Beck first started writing about personal finance in 2011 with a regular column in her college newspaper as a staff writer. Since then she has become a leader in the Financial Independence, Retire Early (FIRE) movement and has over 300 by...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/rae-hartley-beck-53a84358/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/rae-hartley-beck-53a84358\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Edited By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}' target="_blank">Rae Hartley Beck </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="64" height="64" alt="Rae Hartley Beck" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'>Rae Hartley Beck</a><span class="author-role">Deputy Editor of Investing and Retirement</span></div></div><div class="middle-content">Rae Hartley Beck first started writing about personal finance in 2011 with a regular column in her college newspaper as a staff writer. Since then she has become a leader in the Financial Independence, Retire Early (FIRE) movement and has over 300 by...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/rae-hartley-beck-53a84358/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/rae-hartley-beck-53a84358\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="64" height="64" alt="Rae Hartley Beck" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'>Rae Hartley Beck</a><span class="author-role">Deputy Editor of Investing and Retirement</span></div></div><div class="middle-content">Rae Hartley Beck first started writing about personal finance in 2011 with a regular column in her college newspaper as a staff writer. Since then she has become a leader in the Financial Independence, Retire Early (FIRE) movement and has over 300 by...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/rae-hartley-beck-53a84358/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/rae-hartley-beck-53a84358\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Deputy Editor of Investing and Retirement </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg" alt="Lei Deng, CFA, CFP®" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg' alt='Lei Deng, CFA, CFP®' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'>Lei Deng, CFA, CFP®</a><span class="author-role">Investing and Tax Planning Expert</span></div></div><div class="middle-content">Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP®) designations, she brings over a decade of experience to her role. <br> ...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg' alt='Lei Deng, CFA, CFP®' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'>Lei Deng, CFA, CFP®</a><span class="author-role">Investing and Tax Planning Expert</span></div></div><div class="middle-content">Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP®) designations, she brings over a decade of experience to her role. <br> ...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Expert Reviewed</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Lei Deng, CFA, CFP®</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg' alt='Lei Deng, CFA, CFP®' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'>Lei Deng, CFA, CFP®</a><span class="author-role">Investing and Tax Planning Expert</span></div></div><div class="middle-content">Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP®) designations, she brings over a decade of experience to her role. <br> ...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg' alt='Lei Deng, CFA, CFP®' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Expert Reviewed by</div><a class="author-name" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'>Lei Deng, CFA, CFP®</a><span class="author-role">Investing and Tax Planning Expert</span></div></div><div class="middle-content">Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP®) designations, she brings over a decade of experience to her role. <br> ...</div><div class="bottom-content"><ul class="social-icon-wrap"></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Investing and Tax Planning Expert </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 2 others</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="max-w-1080px"></div></div> <div class="main-content-inner-wrapper max-w-1080px mx-auto md:px-20px px-15px md:pt-20px pt-16px"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="pos-rel"> <div class="article-social-sharing" data-ecom-container='{"componentTitle":"","componentType":"Article Sharing"}'> <span data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F" class="article-social-sharing__link article-social-sharing__link--facebook" data-ecom-link='{"clickText":"Facebook Link","clickCat":"Primary","clickUrl":"https:\/\/www.facebook.com\/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F","clickType":"external"}'></span> <span data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&text=How+To+Choose+A+Financial+Advisor" class="article-social-sharing__link article-social-sharing__link--twitter" data-ecom-link='{"clickText":"Twitter Link","clickCat":"Primary","clickUrl":"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&text=How+To+Choose+A+Financial+Advisor","clickType":"external"}'></span> <span data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&title=How+To+Choose+A+Financial+Advisor" class="article-social-sharing__link article-social-sharing__link--linkedin" data-ecom-link='{"clickText":"linkedin Link","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&title=How+To+Choose+A+Financial+Advisor","clickType":"external"}'></span> </div> <div class="featured-img"> <img decoding="async" fetchpriority="high" srcset="https://thumbor.forbes.com/thumbor/fit-in/1290x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png 1290w, https://thumbor.forbes.com/thumbor/fit-in/960x/https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png 960w, https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png 600w" src="https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png" alt="How To Choose A Financial Advisor" height="145px" width="100%"> <span class="media-credit">Getty</span> </div> </div> <div class="article-body wysiwyg-content inarticle-link-tracking fs-article fs-responsive-text current-article"> <p>A financial advisor can optimize your investment portfolio, manage your cash flow and prioritize long-term savings goals. The key is to pick one who puts your financial interests first and can remain calm during rocky times.</p> <p><strong>Related</strong>: <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028694803785" data-type="link" data-id="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028694803785" target="_blank" rel="noreferrer noopener nofollow"data-ecom-conversion='{"clickText":"Find A Financial Advisor In 3 minutes","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028694803785","partnerName":"Data Align"}'>Find A Financial Advisor In 3 minutes</a></p> <div class="toc border-t border-b border-solid break-words" data-ecom-container='{"componentTitle":"Table of contents","componentType":"Toc Section"}'> <div class="toc__wrap border border-solid"> <div class=" md:pt-16px md:pb-20px px-25px py-10px " data-ecom-misc-click='{"clickText":"Table of contents","clickType":"Accordion","referenceText":""}'> <h2 class="toc-title font-euclidcircularb-bold">Table of contents</h2> </p></div> <div class="toc__inner-wrap pt-16px pb-25px px-24px hidden"> <ul id="toc__section"> <li> <a href="#step_1_realize_you_need_help " class="jump-to" data-ecom-misc-click='{"clickText":"Step 1: Realize You Need Help","clickType":"Jump Link","referenceText":""}'> Step 1: Realize You Need Help </a> </li> <li> <a href="#step_2_consider_a_fee_only_financial_advisor " class="jump-to" data-ecom-misc-click='{"clickText":"Step 2: Consider a Fee-Only Financial Advisor","clickType":"Jump Link","referenceText":""}'> Step 2: Consider a Fee-Only Financial Advisor </a> </li> <li> <a href="#step_3_get_ready_to_plan " class="jump-to" data-ecom-misc-click='{"clickText":"Step 3: Get Ready To Plan","clickType":"Jump Link","referenceText":""}'> Step 3: Get Ready To Plan </a> </li> <li> <a href="#step_4_decide_how_much_you_can_pay_your_financial_advisor " class="jump-to" data-ecom-misc-click='{"clickText":"Step 4: Decide How Much You Can Pay Your Financial Advisor","clickType":"Jump Link","referenceText":""}'> Step 4: Decide How Much You Can Pay Your Financial Advisor </a> </li> <li> <a href="#step_5_research_financial_advisors " class="jump-to" data-ecom-misc-click='{"clickText":"Step 5: Research Financial Advisors","clickType":"Jump Link","referenceText":""}'> Step 5: Research Financial Advisors </a> </li> <li> <a href="#step_6_hire_a_financial_advisor " class="jump-to" data-ecom-misc-click='{"clickText":"Step 6: Hire A Financial Advisor","clickType":"Jump Link","referenceText":""}'> Step 6: Hire A Financial Advisor </a> </li> <li> <a href="#key_questions_to_ask_a_potential_financial_advisor " class="jump-to" data-ecom-misc-click='{"clickText":"Key Questions To Ask a Potential Financial Advisor","clickType":"Jump Link","referenceText":""}'> Key Questions To Ask a Potential Financial Advisor </a> </li> <li> <a href="#bottom_line " class="jump-to" data-ecom-misc-click='{"clickText":"Bottom Line","clickType":"Jump Link","referenceText":""}'> Bottom Line </a> </li> </ul></div> </p></div> </p></div> <h2 id="step_1_realize_you_need_help" class="section-title">Step 1: Realize You Need Help</h2> <p>New college grads fresh to the workforce probably don’t need to concern themselves with a financial advisor. While there are financial goals to achieve (building up an emergency fund, beginning to save for retirement, paying back college loans), you don’t need to enlist a professional to tell you to have a certain amount in a high-yield savings account or participate in your employer-sponsored <a href="https://www.forbes.com/advisor/retirement/best-retirement-plans/"data-ecom-link='{"clickText":"retirement plan","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/retirement\/best-retirement-plans\/","clickType":"internal"}'>retirement plan</a>. </p> <p>You may not have enough funds to interest a financial advisor, anyway. (You’ll typically need about $500,000 in investable assets.)</p> <p>However, there will come a time when you’ve amassed sufficient funds, started a family and suddenly realize you want to make sure you’re on track to hit your long-term financial goals. </p> <p>You can start by asking a financial advisor for a detailed financial plan, which would include a breakdown of your assets and liabilities and recommendations for helping you meet your savings needs. </p> <p>This can cover investment advice for retirement plans, debt repayment, estate planning and insurance policies to protect yourself and your family.</p> <p>Some financial advisors offer this service at an hourly rate or flat fee. </p> <p>People with complex financial needs, however, may need extra assistance. They could be looking to manage their investment portfolios, set up trusts or solve tricky tax problems.</p> <p>This would typically involve an ongoing relationship and would come with an annual fee.</p> <h2 id="step_2_consider_a_fee_only_financial_advisor" class="section-title">Step 2: Consider a Fee-Only Financial Advisor</h2> <p>There’s no federal law that regulates who can call themselves a financial advisor or provide financial advice. While many people call themselves financial advisors, not all have your best interest at heart. That’s why you have to carefully evaluate potential financial advisors and make sure they are good for you and your money.</p> <p>Ask any prospective financial advisor if they would act as your <a href="https://www.forbes.com/advisor/investing/financial-advisor/what-is-fiduciary-duty/"data-ecom-link='{"clickText":"fiduciary","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/financial-advisor\/what-is-fiduciary-duty\/","clickType":"internal"}'>fiduciary</a>. </p> <p>Some, but not all, financial advisors are bound by the fiduciary standard, meaning that they are ethically required to work in your financial best interest. These advisors have to abide by this code, and they are held to a suitability standard, meaning they only must suggest products that are suitable for you—even if they’re more expensive and earn them a higher commission. (The <a href="https://filings.advisor.forbes.com/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"SEC","clickCat":"Primary","clickUrl":"https:\/\/filings.advisor.forbes.com\/","clickType":"external"}'>SEC</a> is trying to regulate this, though, by limiting the use of “advisor” to those who hold themselves to a fiduciary standard.)</p> <p>In most situations, you want to enlist a financial advisor bound by the fiduciary standard. </p> <p>Here’s how to think about these five types of financial advisors:</p> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #003186 !important"> <th style="text-align: left" class="primary-font"> Types Of Financial Advisors </th> <th style="text-align: left" class="primary-font"> How They Work </th> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Fee-Only Financial Advisors</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Fee-only financial advisors are paid based on a percentage of your invested assets, a flat annual fee or an hourly rate. Their sole income source is client fees.</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Commission-Based Financial Advisors</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Commission-based financial advisors usually advertise their services as free, but are paid a commission based on products they sell you including investments and insurance policies.</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Fee-Based Financial Advisors</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Fee-based financial advisors will charge fees while also earning commissions on the products they recommend to you.</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Registered Investment Advisors</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Registered investment advisors (RIAs) are firms that are typically paid through an annual account fee or a percentage of your invested assets. They can be fee-only or fee-based.</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Robo-Advisors</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Robo-Advisors are low cost automated online platforms. You pay for the service through account fees which are typically a flat annual or monthly rate or a percentage of your invested assets.</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><h3 class="wp-block-heading">Fee-Only Financial Advisors</h3> <p>Fee-only financial advisors earn money from the fees you pay for their services. These fees may be charged as a percentage of the assets they manage for you, as an hourly rate or as a flat rate.</p> <p>Almost all fee-only advisors are fiduciaries. Generally speaking, they have chosen to work under a fee-only model to reduce potential conflicts of interest. Because their income is from clients, it’s in their best interest to ensure you end up with financial plans and products that work best for you.</p> <h3 class="wp-block-heading">Financial Advisors Who Earn Commissions</h3> <p>Some financial advisors make money by earning sales commissions from third parties. Among financial advisors who earn sales commissions, some may advertise themselves as “free” financial advisors who do not charge you fees for advice. Others may charge fees, meaning they derive only part of their income from third-party commissions.</p> <p>Either way, financial advisors who earn third-party sales commissions derive some or all of their income from selling you certain financial products. If you choose to work with a financial advisor who earns sales commissions, you should take extra care.</p> <p>Commission-only advisors are not fiduciaries. They work as salespeople for investment and insurance brokerages and are only held to suitability standards. In contrast, some fee-based financial advisors are fiduciaries, though it’s important to determine if they’re always acting as fiduciaries or if they “pause” fiduciary duty when discussing certain types of products, like insurance.</p> <p><strong>Related:</strong> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028155911318" target="_blank" rel="noreferrer noopener nofollow"data-ecom-conversion='{"clickText":"Find A Financial Advisor In 3 minutes","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028155911318","partnerName":"Data Align"}'>Find A Financial Advisor In 3 minutes</a></p> <p>Purchasing financial products via financial advisors who earn commissions may be a matter of convenience, especially if someone will receive a commission regardless of where you buy the product. What’s important is understanding the difference. If you work with a fee-based financial advisor, understand when they are acting as a fiduciary, especially when they help you purchase financial products.</p> <div id="cta-builder" class="cta-builder exclude-eds default dark-mode" data-ecom-container='{"componentTitle":"Looking For A Financial Advisor?","componentType":"CTA Builder"}'> <div class="cta-builder__wrap " data-ecom-product='{"itemId":"","itemName":"Looking For A Financial Advisor?","itemBrand":"Data Align","itemCategory":"Investing","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Data Align","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <div class="left"> <h2 class="cta-builder__title">Looking For A Financial Advisor?</h2> <p class="cta-builder__desc">Get In Touch With A Pre-screened Financial Advisor In 3 Minutes</p> </p></div> <div class="right"> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=cta-builder&utm_content=how-to-choose-fa" class="cta-builder__btn cta-builder-button" data-nofollow="true" data-component="Default with Blue Background" data-cta-placement="Button Link" style="background-color:#13B698" data-trellis-widget-wrapper-id = "67bdd183f0d3d" data-ecom-conversion='{"clickText":"Find A Financial Advisor","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=cta-builder&utm_content=how-to-choose-fa","partnerName":"Data Align"}' > Find A Financial Advisor </a> </div> </p></div> </p></div> <h3 class="wp-block-heading">Fee-Based Financial Advisors</h3> <p><a href="https://www.forbes.com/advisor/investing/financial-advisor/fee-only-vs-commission-based-financial-advisors/"data-ecom-link='{"clickText":"Fee-based financial advisors","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/financial-advisor\/fee-only-vs-commission-based-financial-advisors\/","clickType":"internal"}'>Fee-based financial advisors</a> earn money through a combination of fees and commissions. They generally will charge a percentage of the assets they manage for you in addition to earning commissions on products they recommend, like certain investment choices, annuities or life insurance. </p> <h3 class="wp-block-heading">Registered Investment Advisors</h3> <p><a href="https://www.forbes.com/advisor/investing/what-is-registered-investment-advisor/"data-ecom-link='{"clickText":"Registered investment advisors (RIAs)","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/what-is-registered-investment-advisor\/","clickType":"internal"}'>Registered investment advisors (RIAs)</a> provide fiduciary financial advice. RIAs employ investment advisor representatives (IARs), who are bound by fiduciary duty. A registered investment advisor may have one or hundreds of IARs working for it.</p> <p>IARs may call themselves financial advisors and may be fee-only or fee-based. Some may have additional credentials, including the certified financial planner (CFP) designation.</p> <p>“The certified financial planner designation is really the gold standard in the financial planning industry,” says Karen Van Voorhis, a fee-based certified financial planner (CFP) and director of financial planning at Daniel J. Galli & Associates in Norwell, Massachusetts.</p> <p>A CFP designation indicates a financial advisor has passed rigorous industry exams covering real estate, investment and insurance planning and has years of experience in their field.</p> <p>Because of their wide range of expertise, CFPs are well-suited to help you plan out every aspect of your financial life. They may be particularly helpful for those with complex financial situations, including managing large outstanding debts and will, trust and estate planning.</p> <h3 class="wp-block-heading">Robo-Advisors</h3> <p><a href="https://www.forbes.com/advisor/investing/best-robo-advisors/"data-ecom-link='{"clickText":"Robo-advisors","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/best-robo-advisors\/","clickType":"internal"}'>Robo-advisors</a> offer low-cost, automated investment advice. Most specialize in helping people invest for mid- and long-term goals (like retirement) through preconstructed diversified portfolios of exchange-traded funds (ETFs).</p> <p>“For younger people who are really tech-savvy, a robo advisor just to manage retirement funds could be a perfect solution,” says Brian Behl, a CFP at Behl Wealth Management in Waukesha, Wisconsin. “I don’t think they’re going to get as in-depth advice on insurance and retirement and taxes.”</p> <p>People with complex financial needs should probably choose a conventional financial advisor, although many robo-advisors provide financial planning services à la carte or for higher-net-worth clients.</p> <p>“While the robo-advisors have really disrupted the industry … I do think there’s still a place for human advisors right now,” says Corbin Blackwell, a CFP who works with robo-advisor Betterment.</p> <p>Betterment, for example, <a href="https://www.betterment.com/advisor-network/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"allows clients to purchase","clickCat":"Primary","clickUrl":"https:\/\/www.betterment.com\/advisor-network\/","clickType":"external"}'>allows clients to purchase</a> individual financial advising sessions, and <a href="https://www.forbes.com/advisor/investing/personal-capital-review/"data-ecom-link='{"clickText":"Personal Capital","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/personal-capital-review\/","clickType":"internal"}'>Personal Capital</a> and <a href="https://www.forbes.com/advisor/investing/robo-advisor-betterment-review/"data-ecom-link='{"clickText":"Betterment","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/robo-advisor-betterment-review\/","clickType":"internal"}'>Betterment</a> provide regular financial planning for clients with higher account balances for a management fee.</p> <div class="blockquote blockquote-wrapper"> <p>Before selecting a financial planner, clarify your financial objectives. Are you focusing on retirement planning, estate planning, investment management, tax strategies or a combination of these?</p> <p><em>– Kyle McBrien, CFP and financial planner at Betterment</em></p> </div> <h2 id="step_3_get_ready_to_plan" class="section-title">Step 3: Get Ready To Plan</h2> <p>You’ll generally want to address the following topics with your financial advisor as you settle on a plan: </p> <ul> <li><strong>Investment advice</strong>: Financial advisors research different investment options and ensure that your portfolio stays within your desired level of risk.</li> <li><strong>Debt management</strong>: If you have <a href="https://www.forbes.com/advisor/loans/good-debt-vs-bad-debt/"data-ecom-link='{"clickText":"outstanding debts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/loans\/good-debt-vs-bad-debt\/","clickType":"internal"}'>outstanding debts</a>, like credit card debt, <a href="https://www.forbes.com/advisor/student-loans/best-private-student-loans/"data-ecom-link='{"clickText":"student loans","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/student-loans\/best-private-student-loans\/","clickType":"internal"}'>student loans</a>, car loans or mortgages, financial advisors will work with you to chart a plan for repayment.</li> <li><strong>Budgeting help</strong>: Financial advisors are experts in analyzing where your money goes once it leaves your bank account. Advisors can help you <a href="https://www.forbes.com/advisor/banking/best-budgeting-apps/"data-ecom-link='{"clickText":"craft budgets","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-budgeting-apps\/","clickType":"internal"}'>craft budgets</a> so you’re prepared to reach your financial goals.</li> <li><strong>Insurance coverage</strong>: Financial advisors may examine your current policies to identify any gaps in coverage or recommend <a href="https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/"data-ecom-link='{"clickText":"new types of policies","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/life-insurance\/best-life-insurance-companies\/","clickType":"internal"}'>new types of policies</a>, like disability insurance or long-term care coverage, depending on your financial situation.</li> <li><strong>Tax planning</strong>: Tax planning involves strategizing ways to decrease the amount of taxes you may pay, like by large charitable donations or tax-loss harvesting. Keep in mind that not all financial planners are tax experts and that tax planning is different from tax preparation. You will probably still need a CPA or <a href="https://www.forbes.com/advisor/taxes/tax-software/"data-ecom-link='{"clickText":"tax software","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/taxes\/tax-software\/","clickType":"internal"}'>tax software</a> to file your taxes.</li> <li><strong>Retirement planning</strong>: Financial advisors can help you build funds for the ultimate long-term goal: retirement. And then, once you’re retired or nearing retirement, they can help keep your money safe.</li> <li><strong>Estate planning</strong>: For those who wish to leave a legacy, financial advisors can help you transfer your wealth to the next generation, whether that’s family, friends, or charitable causes.</li> <li><strong>College planning</strong>: If you hope to fund your loved ones’ education, financial advisors can craft a plan to help you save for their higher education.</li> </ul> <p>In addition to investment management and financial planning, financial advisors also offer emotional support and perspective during volatile economic times such as recessions and periods of market turbulence. </p> <p><strong>Related:</strong> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028708725899" target="_blank" rel="noreferrer noopener nofollow"data-ecom-conversion='{"clickText":"Find A Financial Advisor In 3 minutes","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028708725899","partnerName":"Data Align"}'>Find A Financial Advisor In 3 minutes</a></p> <p>“I think that during these times, we can be a source of reason,” says Blackwell. “We can weather the storm. We’ve built this portfolio for a reason.”</p> <div id="cta-builder" class="cta-builder exclude-eds default dark-mode" data-ecom-container='{"componentTitle":"Looking For A Financial Advisor?","componentType":"CTA Builder"}'> <div class="cta-builder__wrap " data-ecom-product='{"itemId":"","itemName":"Looking For A Financial Advisor?","itemBrand":"Data Align","itemCategory":"Investing","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Data Align","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <div class="left"> <h2 class="cta-builder__title">Looking For A Financial Advisor?</h2> <p class="cta-builder__desc">Get In Touch With A Pre-screened Financial Advisor In 3 Minutes</p> </p></div> <div class="right"> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=cta-builder&utm_content=how-to-choose-fa" class="cta-builder__btn cta-builder-button" data-nofollow="true" data-component="Default with Blue Background" data-cta-placement="Button Link" style="background-color:#13B698" data-trellis-widget-wrapper-id = "67bdd18402636" data-ecom-conversion='{"clickText":"Find A Financial Advisor","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=cta-builder&utm_content=how-to-choose-fa","partnerName":"Data Align"}' > Find A Financial Advisor </a> </div> </p></div> </p></div> <h2 id="step_4_decide_how_much_you_can_pay_your_financial_advisor" class="section-title">Step 4: Decide How Much You Can Pay Your Financial Advisor</h2> <p>Make sure you understand the fee your advisor charges. </p> <ul> <li><strong>Commission-only financial advisors</strong> may look free on paper, but they may receive a portion of what you invest or purchase as a payment. These “free” financial advisors are typically available through investment or insurance brokerages. Remember, these advisors may only be held to suitability standards, so they may end up costing what you would pay for a similar financial product suggested by a fiduciary financial advisor—or more.</li> <li><strong>Fee-only and fee-based financial advisors</strong> may charge fees based on the total amount of assets they manage for you (assets under management), or they may charge by the hour, by the plan, through a retainer agreement or subscription model. Common average financial advisor fee rates are listed in the table below:</li> </ul> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #003186 !important"> <th style="text-align: left" class="primary-font"> Financial Advisor Fee Type </th> <th style="text-align: left" class="primary-font"> Average Cost </th> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Percentage of AUM</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.0% (0.25%-0.5% for robo-advisors)</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Hourly fee</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$250</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Per plan</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$2,000</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">Retainer</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">$6,000</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div><section id="Fee-Based-Advisors-Make-Advice-More-Available" class="ask-the-expert-block exclude-eds ate-block-id-129662467bdd18408c41 p-16px pt-12px border-askTheExpert-accent border-t-4 shadow-askTheExpertBlock rounded-12px text-black900 lg:p-40px lg:pt-36px my-20px lg:my-24px" data-ecom-container='{"componentTitle":"Fee-Based Advisors Make Advice More Available","componentType":"Ask The Expert"}'> <div class="ask-the-expert-titles-wrapper font-euclidcircularb"> <p class="ate-widget-subheading">Ask an expert</p> <h2 class="ate-widget-main-heading">Fee-Based Advisors Make Advice More Available</h2> </p></div> <div class="flex flex-col lg:flex-row lg:h-254px"> <div class="expert-card-wrapper flex overflow-x-auto rounded-4px mb-4px lg:flex-col lg:mb-0 lg:mr-4px lg:flex-1 lg:max-w-320px"> <div id="author_01150612" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 active" data-card='01150612' data-parent-id='129662467bdd18408c41' data-ecom-misc-click='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg alt="Lei Deng, CFA, CFP®" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Lei Deng, CFA, CFP®</p> <p class="expert-designation">Founder and financial planner at Savor Financial</p> </p></div> </p></div> <div id="author_11150681" class="author-card cursor-pointer font-euclidcircularb py-20px px-24px mr-4px w-240px h-82px last:mr-0 flex flex-shrink-0 flex-grow items-center bg-F5F7FF lg:w-auto lg:mr-0 lg:mb-4px lg:h-82px lg:last:mb-0 " data-card='11150681' data-parent-id='129662467bdd18408c41' data-ecom-misc-click='{"clickText":"Rae Hartley Beck","clickType":"Button","referenceText":""}'> <div class="expert-image-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0"> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-150x150.jpg alt="Rae Hartley Beck" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </div> <div class="expert-info flex flex-col text-left"> <p class="expert-title">Rae Hartley Beck</p> <p class="expert-designation">Deputy Editor of Investing and Retirement at Forbes Advisor</p> </p></div> </p></div> </p></div> <div class="expert-details-wrapper flex overflow-hidden rounded-4px bg-askTheExpert-activeTab w-full"> <div id="authorContent_01150612" class="expert-details-content flex"> <div class="ate-top-content flex flex-col justify-between"> <div> <h4 class="expert-description-title">&nbsp</h4> <div class="expert-description pr-8px"> <p>Traditional asset-based compensation models steer financial advisors to focus on pre-retirees and retirees. However, emerging hourly and flat-fee structures are enabling advisors to also support mid-career individuals. Working with financial advisors early allows you to benefit from the compounding effect of good investments and financial habits for decades to come.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg alt="Lei Deng, CFA, CFP®" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'>Lei Deng, CFA, CFP®</a></p> <p class="expert-designation">Founder and financial planner at Savor Financial</p> </p></div> </p></div> </p></div> </p></div> <div id="authorContent_11150681" class="expert-details-content none"> <div class="ate-top-content flex flex-col justify-between"> <div> <h4 class="expert-description-title">&nbsp</h4> <div class="expert-description pr-8px"> <p>When I was starting out in my career, I badly needed holistic financial planning so I could know how best to plan out my lifestyle to reach my goals. I didn’t have the income or assets necessary to be an attractive client to most traditional financial advisors. Working with a newer CFP with a flexible hourly fee structure allowed me to learn how best to manage my money to achieve financial freedom.</p> </div></div> </p></div> <div class="relative mt-8px lg:mt-14px"> <div class="bottom-gradient"></div> <div class="ate-bottom-content"> <a href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" class="ate-bottom-img-wrapper w-40px h-40px mr-8px rounded-full overflow-hidden bg-gray-400 flex-shrink-0" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'> <img src=https://thumbor.forbes.com/thumbor/fit-in/150x/https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-150x150.jpg alt="Rae Hartley Beck" loading="lazy" width="40px" height="40px" class="w-full expert-img"> </a></p> <div class="ate-bottom-expert-info"> <a class="expert-title link" href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'>Rae Hartley Beck</a></p> <p class="expert-designation">Deputy Editor of Investing and Retirement at Forbes Advisor</p> </p></div> </p></div> </p></div> </p></div> </p></div> </p></div> </section> <h2 id="step_5_research_financial_advisors" class="section-title">Step 5: Research Financial Advisors</h2> <p>There are a few good ways to find a financial advisor. Ask friends, family and peers for recommendations when <span style="margin: 0px; padding: 0px;">selecting</span><a href="https://www.forbes.com/advisor/investing/financial-advisor-near-me/"data-ecom-link='{"clickText":"a financial advisor near you","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/financial-advisor-near-me\/","clickType":"internal"}'> a financial advisor near you</a>. Alternatively, look for financial advisors online. Many professional financial planning associations provide free databases of financial advisors:</p> <ul> <li><a href="https://www.napfa.org/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"NAPFA (The National Association of Personal Financial Advisors)","clickCat":"Primary","clickUrl":"https:\/\/www.napfa.org\/","clickType":"external"}'>NAPFA (The National Association of Personal Financial Advisors)</a></li> <li><a href="https://www.garrettplanningnetwork.com/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"Garrett Planning Network","clickCat":"Primary","clickUrl":"https:\/\/www.garrettplanningnetwork.com\/","clickType":"external"}'>Garrett Planning Network</a></li> <li><a href="https://www.xyplanningnetwork.com/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"XY Planning Network","clickCat":"Primary","clickUrl":"https:\/\/www.xyplanningnetwork.com\/","clickType":"external"}'>XY Planning Network</a></li> <li><a href="https://www.acplanners.org/home" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"ACP (Alliance of Comprehensive Planners)","clickCat":"Primary","clickUrl":"https:\/\/www.acplanners.org\/home","clickType":"external"}'>ACP (Alliance of Comprehensive Planners)</a></li> </ul> <p>When evaluating advisors, be sure to consider their credentials as well as research their backgrounds and fee structures. You can view disciplinary actions and complaints filed against financial advisors using FINRA’s <a href="https://brokercheck.finra.org/" target="_blank" rel="noreferrer noopener nofollow"data-ecom-link='{"clickText":"BrokerCheck","clickCat":"Primary","clickUrl":"https:\/\/brokercheck.finra.org\/","clickType":"external"}'>BrokerCheck</a>. And remember, just because someone is part of a financial planning association, that doesn’t mean they’re a fiduciary financial advisor.</p> <h2 id="step_6_hire_a_financial_advisor" class="section-title">Step 6: Hire A Financial Advisor</h2> <p>Once you’ve selected an advisor, it’s time to hire them. </p> <p>Each financial advisor and firm operates differently, but your experience hiring a financial advisor will most likely include these steps: </p> <ol style="list-style: numeric;"> <li>Contact the advisor or firm you’d like to work with. Many firms have a calendar link on their website to schedule an initial consultation call. </li> <li>Gather some basic information before your consultation call. If you have a partner, sit down with them to determine your short-term and long-term financial goals. You don’t have to know everything you need, but a good idea of your goals will help your advisor know if they’re a good fit for you. </li> <li>During the consultation, your advisor will ask you some basic questions. A great advisor will focus on more than just numbers, but the type of lifestyle you’re looking for and how you can use money to achieve that lifestyle. Come to this consultation with your own <a href="https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/"data-ecom-link='{"clickText":"questions","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/how-to-choose-a-financial-advisor\/","clickType":"internal"}'>questions</a> and make sure that you leave the conversation knowing how your advisor is paid.</li> <li>After your initial contact with your advisor they will send you a contract and legal documents to sign. These usually outline the scope of their practice, their fee schedule and rights and responsibilities. </li> <li>Your advisor will send you a spreadsheet, Google form or link to software to complete with your financial information. </li> <li>After you’ve submitted your information you’ll have follow-up conversations with your financial advisor. If you’re paying an hourly rate or retainer, this is usually due in part or in full before any follow-up conversations occur. </li> </ol> <h2 id="key_questions_to_ask_a_potential_financial_advisor" class="section-title">Key Questions To Ask a Potential Financial Advisor</h2> <p>When meeting a financial advisor for the first time, it’s important to obtain the answers to these questions and ensure you’re satisfied with their responses:</p> <ul> <li><strong>Fiduciary status</strong>: Are you a fiduciary committed to acting in my best interest?</li> <li><strong>Compensation structure:</strong> How do you make money? Understand their fee structure and any potential conflicts of interest.</li> <li><strong>Consistency of fiduciary duty:</strong> Do you always act as a fiduciary, even when selling commission-based products?</li> <li><strong>Financial planning approach:</strong> What is your approach to financial planning? Learn about their strategies and methodologies.</li> <li><strong>Available services:</strong> What financial planning services do you offer? Ensure their offerings align with your specific needs.</li> <li><strong>Client profile:</strong> What kind of clients do you typically work with? Confirm if they have experience catering to clients similar to you.</li> <li><strong>Account minimums:</strong> Do you have any account minimums? Determine if their requirements match your financial situation.</li> <li><strong>Conflicts of interest:</strong> Do you have any conflicts of interest in managing your money? Ensure transparency and alignment of interests.</li> <li><strong>Required information:</strong> What information do you need me to provide to develop my financial plan? Gather relevant documents.</li> <li><strong>Meeting frequency:</strong> How many times and how often will we meet? Establish expectations for ongoing communication.</li> <li><strong>Collaboration with advisors:</strong> Will you collaborate with your other advisors, such as CPAs or attorneys? Coordinate efforts for comprehensive financial management.</li> </ul> <p><strong>Related:</strong> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028942072611" target="_blank" rel="noreferrer noopener nofollow"data-ecom-conversion='{"clickText":"Find A Financial Advisor In 3 minutes","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=text&utm_content=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Finvesting%2Fhow-to-choose-a-financial-advisor%2F&utm_id=N637618846_C1714581028942072611","partnerName":"Data Align"}'>Find A Financial Advisor In 3 minutes</a></p> <h2 id="bottom_line" class="section-title">Bottom Line</h2> <p>A financial advisor can help you prioritize your goals and create a path to help you achieve them. They can be a valuable option especially when your life becomes too complicated for a robo-advisor or DIY planning. When considering a potential planner, you’re typically better off opting for someone who is fee-only and who puts your financial interests first. </p> <div class="blockquote blockquote-wrapper"> <p>You don’t know what you don’t know. By opening your finances up, a good financial adviser can suggest a wide range of opportunities that the client probably never thought of or wouldn’t even know to ask for.</p> <p><em>– Marianela Collado, CFP and certified public accountant (CPA) at Tobias Financial Advisors in Plantation, Florida.</em></p> </div> <div id="cta-builder" class="sticky-cta exclude-eds fixed width-full left-0 right-0 bg-white py-16px dark-mode" data-ecom-container='{"componentTitle":"Looking For A Financial Advisor?","componentType":"CTA Builder"}'> <div class="h-0"> <svg class="close-cta-button hidden lg:block" width="30" height="30" viewBox="0 0 38 38" fill="none" xmlns="http://www.w3.org/2000/svg"> <g filter="url(#filter0_d_17034_27217)"> <g filter="url(#filter1_d_17034_27217)"> <circle cx="17" cy="19" r="15" fill="white" /> <circle cx="17" cy="19" r="14.5" stroke="#4657A1" /> </g> <path d="M18.0207 18.6464L17.6671 18.9999L18.0207 19.3535L23.8614 25.1944L23.8615 25.1944C24.0462 25.3791 24.0462 25.6767 23.8615 25.8613L23.8614 25.8614C23.7692 25.9536 23.6492 25.9997 23.5279 25.9997C23.4066 25.9997 23.2865 25.9536 23.1943 25.8614L17.3535 20.0205L16.9999 19.667L16.6464 20.0205L10.8057 25.8614C10.7135 25.9536 10.5934 25.9997 10.4721 25.9997C10.3507 25.9997 10.2306 25.9535 10.1388 25.8616L10.1385 25.8613C9.95382 25.6767 9.95382 25.3791 10.1385 25.1944L10.1386 25.1944L15.9793 19.3535L16.3329 18.9999L15.9793 18.6464L10.1386 12.8055L10.1385 12.8054C9.95382 12.6208 9.95382 12.3232 10.1385 12.1386L10.1386 12.1385C10.3232 11.9539 10.6207 11.9538 10.8057 12.1385C10.8057 12.1385 10.8057 12.1386 10.8057 12.1386L16.6464 17.9794L16.9999 18.3329L17.3535 17.9794L23.1943 12.1385C23.379 11.9538 23.6767 11.9538 23.8614 12.1385L23.8615 12.1386C24.0462 12.3232 24.0462 12.6208 23.8615 12.8054L23.8614 12.8055L18.0207 18.6464Z" stroke="#4657A1" /> </g> <defs> <filter id="filter0_d_17034_27217" x="0" y="4" width="34" height="34" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix" /> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha" /> <feOffset dy="2" /> <feGaussianBlur stdDeviation="1" /> <feComposite in2="hardAlpha" operator="out" /> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.05 0" /> <feBlend mode="normal" in2="BackgroundImageFix" result="effect1_dropShadow_17034_27217" /> <feBlend mode="normal" in="SourceGraphic" in2="effect1_dropShadow_17034_27217" result="shape" /> </filter> <filter id="filter1_d_17034_27217" x="0" y="0" width="38" height="38" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix" /> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha" /> <feOffset dx="2" /> <feGaussianBlur stdDeviation="2" /> <feComposite in2="hardAlpha" operator="out" /> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.1 0" /> <feBlend mode="normal" in2="BackgroundImageFix" result="effect1_dropShadow_17034_27217" /> <feBlend mode="normal" in="SourceGraphic" in2="effect1_dropShadow_17034_27217" result="shape" /> </filter> </defs> </svg></p> <p> <svg class="close-cta-button block lg:hidden" width="24" height="24" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg"> <g filter="url(#filter0_d_17032_28130)"> <g filter="url(#filter1_d_17032_28130)"> <circle cx="14" cy="16" r="12" fill="white" /> <circle cx="14" cy="16" r="11.5" stroke="#4657A1" /> </g> <path d="M14.7458 15.6464L14.3923 16L14.7458 16.3535L19.4184 21.0262L19.4185 21.0263C19.5272 21.1349 19.5272 21.3097 19.4185 21.4183L19.4184 21.4184C19.3641 21.4727 19.2938 21.4997 19.2223 21.4997C19.1507 21.4997 19.0805 21.4727 19.0262 21.4184L14.3535 16.7457L13.9999 16.3922L13.6464 16.7457L8.97382 21.4184C8.97382 21.4184 8.97381 21.4184 8.97381 21.4184C8.91954 21.4727 8.84926 21.4997 8.77772 21.4997C8.70603 21.4997 8.63575 21.4726 8.58178 21.4186L8.58153 21.4183C8.47282 21.3097 8.47282 21.1349 8.58153 21.0263L8.58162 21.0262L13.2542 16.3535L13.6077 16L13.2542 15.6464L8.58162 10.9737L8.58153 10.9736C8.47282 10.865 8.47282 10.6902 8.58153 10.5816L8.58161 10.5815C8.69022 10.4729 8.86492 10.4728 8.97381 10.5815C8.97384 10.5815 8.97387 10.5816 8.9739 10.5816L13.6464 15.2542L13.9999 15.6078L14.3535 15.2542L19.0262 10.5815C19.1349 10.4728 19.3097 10.4728 19.4184 10.5815L19.4185 10.5816C19.5272 10.6902 19.5272 10.865 19.4185 10.9736L19.4184 10.9737L14.7458 15.6464Z" stroke="#4657A1" /> </g> <defs> <filter id="filter0_d_17032_28130" x="0" y="4" width="28" height="28" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix" /> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha" /> <feOffset dy="2" /> <feGaussianBlur stdDeviation="1" /> <feComposite in2="hardAlpha" operator="out" /> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.05 0" /> <feBlend mode="normal" in2="BackgroundImageFix" result="effect1_dropShadow_17032_28130" /> <feBlend mode="normal" in="SourceGraphic" in2="effect1_dropShadow_17032_28130" result="shape" /> </filter> <filter id="filter1_d_17032_28130" x="0" y="0" width="32" height="32" filterUnits="userSpaceOnUse" color-interpolation-filters="sRGB"> <feFlood flood-opacity="0" result="BackgroundImageFix" /> <feColorMatrix in="SourceAlpha" type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 127 0" result="hardAlpha" /> <feOffset dx="2" /> <feGaussianBlur stdDeviation="2" /> <feComposite in2="hardAlpha" operator="out" /> <feColorMatrix type="matrix" values="0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.1 0" /> <feBlend mode="normal" in2="BackgroundImageFix" result="effect1_dropShadow_17032_28130" /> <feBlend mode="normal" in="SourceGraphic" in2="effect1_dropShadow_17032_28130" result="shape" /> </filter> </defs> </svg></p></div> <div class="container mx-auto lg:flex lg:items-center justify-between cta-builder__wrap px-5 lg:px-0"> <div class="left lg:mb-0 lg:mr-40px lg:ml-23px"> <p class="sticky-cta-heading-text text-center lg:text-left text-333333 font-bold text-2xl leading-8 font-euclidcircularb-bold"> Looking For A Financial Advisor? </p> <div class="cta-sub-heading-text leading-6 text-333333 mt-1 font-georgia mb-0">Get In Touch With A Pre-screened Financial Advisor In 3 Minutes</div> </p></div> <div class="right" data-ecom-product='{"itemId":"","itemName":"Looking For A Financial Advisor?","itemBrand":"Data Align","itemCategory":"Investing","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Data Align","coupon":"","secondaryCallout":"","starRatings":0,"initialCost":0,"subscriptionCost":0}'> <a href="https://www.datalignadvisory.com/find-an-advisor/?utm_source=forbes1&utm_medium=flow1&utm_campaign=persistent-cta&utm_content=how-to-choose-fa " target="_blank" data-nofollow="true" data-title="Looking For A Financial Advisor?" data-description="Get In Touch With A Pre-screened Financial Advisor In 3 Minutes" data-cta-text="Find A Financial Advisor" data-component="Sticky CTA with Blue Background" data-cta-placement="Button Link" data-automatic-numbering="" class="cta-builder__btn cta-builder-button" style="background-color:" data-ecom-conversion='{"clickText":"Find A Financial Advisor","clickUrl":"https:\/\/www.datalignadvisory.com\/find-an-advisor\/?utm_source=forbes1&utm_medium=flow1&utm_campaign=persistent-cta&utm_content=how-to-choose-fa","partnerName":"Data Align"}'> Find A Financial Advisor </a></p> <p class="below-cta-text">Via Datalign Advisory</p> </p></div> </p></div> </div> <div class="faq-section" data-ecom-container='{"componentTitle":"Financial Advisor Frequently Asked Questions (FAQs)","componentType":"FAQ Block"}'> <div class="faq-wrapper"> <h2 class="title">Financial Advisor Frequently Asked Questions (FAQs)</h2> <div class="main-faqs"> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"What is a financial advisor?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is a financial advisor?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Financial advisors are personal finance experts who give you financial advice and manage your money. Some—but not all—are fiduciaries. A fiduciary acts only in your best financial interest.</p> <p>“A financial advisor is like a coach,” says Matt Chancey, a certified financial planner (CFP) at Dempsey Lord Smith in Tampa. “It helps to have someone keep you accountable to your goals and make sure that you aren’t making any major missteps.”</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"What can a financial advisor do for you?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What can a financial advisor do for you?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>A good financial investment advisor can evaluate your current situation and develop a comprehensive plan to guide you through your financial life.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"Who needs a financial advisor?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Who needs a financial advisor?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>People typically look to a financial advisor at life’s turning points, such as when they start a family or inherit money. The goal is to find someone who will help you consider various financial goals, and craft a plan to help you achieve them.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"How much does a financial advisor cost?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How much does a financial advisor cost?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Financial advisor fees can vary widely. This is due to there being different methods for a financial advisor to generate their income. Some advisors are fee-only. Other advisors are commission-based. Some advisors even work on a hybrid model between the two.</p> <p>It’s recommended that you research how the individual advisor you’re choosing generates their income before starting to work with them.</p> </p></div> </p></div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"When should I get a financial advisor?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">When should I get a financial advisor?</h3> </p></div> <div class="faq-answer wysiwyg-content"> <p>Financial advisors become most helpful when your financial life becomes complex. That might be when you get married, have children, get divorced, are managing many competing debts, come into an unexpected windfall or are navigating end-of-life financial decisions.</p> </p></div> </p></div> </p></div> </div> </div> </div> <div> <style id="style_1_article-feedback-style">.feedback-rating-box{display:flex;margin-bottom:20px}@media screen and (max-width:576px){.feedback-rating-box{margin-bottom:26px}}.feedback-rating-box .feedback-rating-container{direction:rtl!important}.feedback-rating-box .feedback-rating-container label{color:#fff;cursor:pointer;display:inline-block;font-size:26px!important;text-shadow:-1px 0 #999,0 1px #999,1px 0 #999,0 -1px #999;transition:color .2s}.feedback-rating-box .feedback-rating-container input{display:none}.feedback-rating-box .feedback-rating-container input:checked~label,.feedback-rating-box .feedback-rating-container label:hover,.feedback-rating-box .feedback-rating-container label:hover~label{color:#f7c748;text-shadow:-1px 0 #f7c748,0 1px #f7c748,1px 0 #f7c748,0 -1px #f7c748}.page-template .feedback-rating-box .feedback-rating-container label,.post-template .feedback-rating-box .feedback-rating-container label,.post-template-default .feedback-rating-box .feedback-rating-container label{text-shadow:-1px 0 #007ac8,0 1px #007ac8,1px 0 #007ac8,0 -1px #007ac8}.page-template .feedback-rating-box .feedback-rating-container input:checked~label,.page-template .feedback-rating-box .feedback-rating-container label:hover,.page-template .feedback-rating-box .feedback-rating-container label:hover~label,.post-template .feedback-rating-box .feedback-rating-container input:checked~label,.post-template .feedback-rating-box .feedback-rating-container label:hover,.post-template .feedback-rating-box .feedback-rating-container label:hover~label,.post-template-default .feedback-rating-box .feedback-rating-container input:checked~label,.post-template-default .feedback-rating-box .feedback-rating-container label:hover,.post-template-default .feedback-rating-box .feedback-rating-container label:hover~label{color:#ffb136;text-shadow:-1px 0 #ffb136,0 1px #ffb136,1px 0 #ffb136,0 -1px #ffb136}.feedback-form-wrapper{margin-bottom:24px;margin-top:24px}.feedback-form-wrapper .feedback-form{align-items:center;background-color:#f8f8f8;display:flex;padding:12px 22px}@media screen and (max-width:576px){.feedback-form-wrapper .feedback-form{flex-direction:column;padding:24px}}.feedback-form-wrapper .feedback-form .user-email{align-items:center;display:flex}.feedback-form-wrapper .feedback-form-text{display:flex}@media screen and (max-width:576px){.feedback-form-wrapper .feedback-form-text{margin-bottom:29px}}.feedback-form-wrapper .feedback-form-text svg{margin-right:10px}.feedback-form-wrapper .feedback-form-text span{font-family:EuclidCircularA,EuclidCircularB,sans-serif;font-size:16px;font-weight:500;line-height:18px;margin-right:24px}@media screen and (max-width:576px){.feedback-form-wrapper .feedback-form-cta{width:100%}}.feedback-form-wrapper .feedback-form-cta .rate-button{background-color:#fff;border:2px solid #4759b2;border-radius:4px;color:#4759b2;font-family:EuclidCircularB,sans-serif;font-size:14px;font-weight:600;line-height:17px;padding:11px 18px;text-transform:uppercase}@media screen and (max-width:576px){.feedback-form-wrapper .feedback-form-cta .rate-button{width:100%}}.feedback-modal-wrapper{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:rgba(52,52,52,.8);bottom:0;display:none;left:0;opacity:0;position:fixed;right:0;top:0;transition:all .3s;visibility:hidden;z-index:99999}.feedback-modal-wrapper .feedback-modal-window{background:#fff;border-radius:4px;font-family:EuclidCircularB,sans-serif;left:50%;padding:40px;position:absolute;top:50%;transform:translate(-50%,-50%);width:820px}@media screen and (max-height:640px) and (max-width:1200px){.feedback-modal-wrapper .feedback-modal-window{max-height:80vh;overflow:auto}}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window{left:calc(50% - 20px);margin-left:20px;margin-right:20px;max-width:100%;padding:20px;width:calc(100% - 40px)}}@media screen and (min-width:577px) and (max-width:768px){.feedback-modal-wrapper .feedback-modal-window{width:calc(100% - 40px)}}@media screen and (min-width:769px) and (max-width:1023px){.feedback-modal-wrapper .feedback-modal-window{width:750px}}.feedback-modal-wrapper .feedback-modal-window .modal-content-wrapper{display:block}.feedback-modal-wrapper .feedback-modal-window .close-form-btn{position:absolute;right:0;top:0}.feedback-modal-wrapper .feedback-modal-window .close-form-btn:hover{cursor:pointer}.feedback-modal-wrapper .feedback-modal-window .close-form-btn svg{margin:20px 24px}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .close-form-btn svg{margin:20px}}.feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.feedback-modal-wrapper .feedback-modal-window .feedback-success-message,.feedback-modal-wrapper .feedback-modal-window .modal-header{font-family:EuclidCircularB,sans-serif;font-size:24px;font-weight:600;line-height:32px;margin-bottom:24px}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.feedback-modal-wrapper .feedback-modal-window .feedback-success-message,.feedback-modal-wrapper .feedback-modal-window .modal-header{margin-top:12px}}.feedback-modal-wrapper .feedback-modal-window .email-error-text{color:#d32929;display:none;font-family:EuclidCircularB,sans-serif;font-size:12px;line-height:15px;margin-bottom:13px}.feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.feedback-modal-wrapper .feedback-modal-window .feedback-success-message{margin-bottom:0}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.feedback-modal-wrapper .feedback-modal-window .feedback-success-message{font-size:20px;margin-top:24px}.feedback-modal-wrapper .feedback-modal-window .feedback-error-message{margin-top:10px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content{display:flex;justify-content:space-between}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content{flex-direction:column}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-right-content{display:none}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content{width:400px}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content{width:auto}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input,.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea{border:1px solid #dadada;border-radius:4px;font-size:16px;margin-bottom:24px;padding:15px 20px;width:100%}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input,.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea{margin-bottom:30px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea{margin-bottom:24px;margin-top:12px;outline:none;resize:none}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea{margin-bottom:9px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn{background:#395bb6;border-radius:4px;box-shadow:0 4px 4px rgba(0,0,0,.12);color:#fff;display:block;font-size:16px;outline:none;padding:15px 0;text-align:center;width:100%}@media screen and (max-width:350px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn{font-size:14px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .required:after{color:#d32929;content:" *"}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .rating-label{margin-bottom:8px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content label{font-size:16px;line-height:24px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input::-webkit-input-placeholder,.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea::-webkit-input-placeholder{font-size:16px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section{align-items:center;display:flex;margin-bottom:12px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section label{margin-right:5px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section span{display:inline-flex}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section .email-tooltip{display:inline-flex;position:relative}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section .email-tooltip:hover:after{background-color:#333;border-radius:4px;bottom:22px;color:#fff;content:attr(data-tooltip);display:block;font-size:12px;left:-20px;padding:4px 16px;position:absolute;white-space:nowrap;z-index:98}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section .email-tooltip:hover:after{font-size:10px;padding:4px 10px}}@media screen and (max-width:320px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section .email-tooltip:hover:after{left:-50px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .email-section .email-tooltip:hover:before{border:solid;border-color:#111 transparent;border-width:5px 5px 0;bottom:18px;content:"";display:block;left:2px;position:absolute;z-index:99}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input[type=email]:focus{outline:none}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input[type=email]:not(:focus):not(:-moz-placeholder-shown):invalid~.email-error-text{display:block;margin-top:-10px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input[type=email]:not(:focus):not(:placeholder-shown):invalid~.email-error-text{display:block;margin-top:-10px}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input[type=email]:not(:focus):not(:-moz-placeholder-shown):invalid~.email-error-text{margin-top:-24px}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content input[type=email]:not(:focus):not(:placeholder-shown):invalid~.email-error-text{margin-top:-24px}}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea:not(:-moz-placeholder-shown):valid~.error-msg{display:none!important}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content textarea:not(:placeholder-shown):valid~.error-msg{display:none!important}.feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .adus-ff{height:0;left:0;opacity:0;position:absolute;top:0;width:0;z-index:-1}.feedback-modal-wrapper .feedback-modal-window .modal-success-wrapper{display:none;margin-bottom:150px;margin-top:25px;text-align:center}.feedback-modal-wrapper .feedback-modal-window .modal-success-wrapper img{display:inline-block;height:auto;max-width:100%;width:auto}@media screen and (max-width:320px){.feedback-modal-wrapper .feedback-modal-window .modal-success-wrapper img{height:240px;width:250px}}@media screen and (max-height:640px) and (max-width:1200px){.feedback-modal-wrapper .feedback-modal-window .modal-success-wrapper{margin:0}}.feedback-modal-wrapper .feedback-modal-window .modal-error-wrapper{display:none;margin-bottom:150px;margin-top:25px;text-align:center}.feedback-modal-wrapper .feedback-modal-window .modal-error-wrapper img{display:inline-block;height:auto;max-width:100%;width:auto}@media screen and (max-width:320px){.feedback-modal-wrapper .feedback-modal-window .modal-error-wrapper img{height:240px;width:250px}}.feedback-modal-wrapper .feedback-modal-window .email-error-msg,.feedback-modal-wrapper .feedback-modal-window .error-msg,.feedback-modal-wrapper .feedback-modal-window .rating-error-msg{color:#d32929;display:none;font-family:EuclidCircularB,sans-serif;font-size:12px;line-height:15px;margin-bottom:13px;margin-top:-13px}@media screen and (max-width:576px){.feedback-modal-wrapper .feedback-modal-window .email-error-msg,.feedback-modal-wrapper .feedback-modal-window .error-msg,.feedback-modal-wrapper .feedback-modal-window .rating-error-msg{margin-top:-10px}}.feedback-modal-wrapper.show-modal{display:block;opacity:1;visibility:visible!important}.noscroll{overflow:hidden}.captcha-disclaimer{font-family:EuclidCircularB,sans-serif;margin-top:12px}.captcha-disclaimer,.captcha-disclaimer a{color:#737373;font-size:11px;font-weight:400;line-height:16.5px}.captcha-disclaimer a{margin-right:3px;text-decoration:underline}@media (min-width:1024px){.captcha-disclaimer,.captcha-disclaimer a{color:#181716}}.grecaptcha-badge{visibility:hidden}.page-template .feedback-form-wrapper .feedback-form-text span,.post-template .feedback-form-wrapper .feedback-form-text span,.post-template-default .feedback-form-wrapper .feedback-form-text span{font-family:Work Sans,sans-serif}.page-template .feedback-form-wrapper .feedback-form-cta .rate-button,.post-template .feedback-form-wrapper .feedback-form-cta .rate-button,.post-template-default .feedback-form-wrapper .feedback-form-cta .rate-button{background:#f3f5fb;border:2px solid #007ac8;border-radius:8px;color:#007ac8;font-family:Work Sans,sans-serif;font-size:18px;font-weight:600}.page-template .feedback-modal-wrapper .feedback-modal-window,.page-template .feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.page-template .feedback-modal-wrapper .feedback-modal-window .feedback-success-message,.page-template .feedback-modal-wrapper .feedback-modal-window .modal-header,.post-template .feedback-modal-wrapper .feedback-modal-window,.post-template .feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.post-template .feedback-modal-wrapper .feedback-modal-window .feedback-success-message,.post-template .feedback-modal-wrapper .feedback-modal-window .modal-header,.post-template-default .feedback-modal-wrapper .feedback-modal-window,.post-template-default .feedback-modal-wrapper .feedback-modal-window .feedback-error-message,.post-template-default .feedback-modal-wrapper .feedback-modal-window .feedback-success-message,.post-template-default .feedback-modal-wrapper .feedback-modal-window .modal-header{font-family:Work Sans,sans-serif}.page-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .required:after,.post-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .required:after,.post-template-default .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .required:after{color:#007ac8}.page-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn,.post-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn,.post-template-default .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn{background:#007ac8;border-radius:8px;box-shadow:0 4px 12px 0 rgba(0,0,0,.2);font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;line-height:30px}.page-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn:hover,.post-template .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn:hover,.post-template-default .feedback-modal-wrapper .feedback-modal-window .modal-main-content .modal-left-content .submit-btn:hover{background:#0066a1}.page-template .captcha-disclaimer,.post-template .captcha-disclaimer,.post-template-default .captcha-disclaimer{font-family:Work Sans,sans-serif}.page-template .captcha-disclaimer a,.post-template .captcha-disclaimer a,.post-template-default .captcha-disclaimer a{color:#007ac8} </style> <div class="feedback-form-wrapper"> <div class="feedback-form"> <div class="feedback-form-text"> <svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M20 2H4C2.9 2 2 2.9 2 4V22L6 18H20C21.1 18 22 17.1 22 16V4C22 2.9 21.1 2 20 2ZM20 16H6L4 18V4H20V16Z" fill="black"/> <path d="M11.25 11.625H12.75V13.5H11.25V11.625ZM11.25 6H12.75V10.5H11.25V6Z" fill="black"/> </svg> <span>Was this article helpful?</span> </div> <div class="feedback-form-cta"> <button id="open-modal-btn" class="rate-button" href="">Share your feedback</button> </div> </div> </div> <div class="feedback-modal-wrapper"> <div class="feedback-modal-window"> <div class="close-form-btn"> <svg width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink"> <rect width="20" height="20" fill="url(#pattern0)" fill-opacity="0.4"/> <defs> <pattern id="pattern0" patternContentUnits="objectBoundingBox" width="1" height="1"> <use xlink:href="#image0" transform="scale(0.0416667)"/> </pattern> <image id="image0" width="20" height="20" xlink:href="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAABgAAAAYCAYAAADgdz34AAAABHNCSVQICAgIfAhkiAAAAAlwSFlzAAAAzwAAAM8BRrlxRAAAABl0RVh0U29mdHdhcmUAd3d3Lmlua3NjYXBlLm9yZ5vuPBoAAADgSURBVEiJrdUxTgMxEEbhT7CBM5OOHCNQQSgiCrQNx0oRBFQQGkfaOCaxPRlpG9t6z5Y9/8IcGywxiNeQWBvcwQd26VsHJUNi7HlbeJ4MRCQ5fIcnuMFbNvGKWQP8Gi8Z4x23+wURyVl4RFIN75E0w1sk3fAaSRg+lYwZaO34KY5pbVeVThLeea2kCn5VIfjBV2H8E7/V2/ynShca6fiDKmXLqHzxzdl16imGs6vmnXdLWpqoWdLTodWSSPuflVwiW05KHrOJ3mwpZdcDhz/9UHAVJFtY4BurIHwqWSXm/R9TCrrHiNMQUwAAAABJRU5ErkJggg=="/> </defs> </svg> </div> <div class="modal-content-wrapper"> <div class="modal-header">Send feedback to the editorial team</div> <div class="modal-main-content"> <div class="modal-left-content"> <form id="userFeedbackForm" name="user-feedback-form" class="feedback-form" autocomplete="off" novalidate> <div class="rating-label"> <label class="required">Rate this Article</label> </div> <div class="feedback-rating-box"> <div class="feedback-rating-container"> <input type="radio" class="feedback-rating" name="rating" value=5 id="star-5"> <label for="star-5">★</label> <input type="radio" class="feedback-rating" name="rating" value=4 id="star-4"> <label for="star-4">★</label> <input type="radio" class="feedback-rating" name="rating" value=3 id="star-3"> <label for="star-3">★</label> <input type="radio" class="feedback-rating" name="rating" value=2 id="star-2"> <label for="star-2">★</label> <input type="radio" class="feedback-rating" name="rating" value=1 id="star-1"> <label for="star-1">★</label> </div> </div> <div class="rating-error-msg">Please rate the article</div> <div class="email-section"> <label for="userFeedbackEmail">Email</label> <a href="javascript:void(0)" class="email-tooltip" data-tooltip="Please enter your Email id if you wish to hear from us"> <svg width="14" height="14" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M8 1C4.13438 1 1 4.13438 1 8C1 11.8656 4.13438 15 8 15C11.8656 15 15 11.8656 15 8C15 4.13438 11.8656 1 8 1ZM8 13.8125C4.79063 13.8125 2.1875 11.2094 2.1875 8C2.1875 4.79063 4.79063 2.1875 8 2.1875C11.2094 2.1875 13.8125 4.79063 13.8125 8C13.8125 11.2094 11.2094 13.8125 8 13.8125Z" fill="#999999"/> <path d="M7.25 5.25C7.25 5.44891 7.32902 5.63968 7.46967 5.78033C7.61032 5.92098 7.80109 6 8 6C8.19891 6 8.38968 5.92098 8.53033 5.78033C8.67098 5.63968 8.75 5.44891 8.75 5.25C8.75 5.05109 8.67098 4.86032 8.53033 4.71967C8.38968 4.57902 8.19891 4.5 8 4.5C7.80109 4.5 7.61032 4.57902 7.46967 4.71967C7.32902 4.86032 7.25 5.05109 7.25 5.25ZM8.375 7H7.625C7.55625 7 7.5 7.05625 7.5 7.125V11.375C7.5 11.4437 7.55625 11.5 7.625 11.5H8.375C8.44375 11.5 8.5 11.4437 8.5 11.375V7.125C8.5 7.05625 8.44375 7 8.375 7Z" fill="#999999"/> </svg> </a> </div> <input type="email" name="email" id="userFeedbackEmail" placeholder="example@gmail.com"> <input type="text" name="name" class="adus-ff" id="goNinjaValue" placeholder="example@gmail.com"> <input type="hidden" name="identifier" id="identifier" value="43386"> <div class="email-error-text" id="emailText">Please enter valid email address</div> <label class="required" for="userFeedbackComment">Comments</label> <textarea id="userFeedbackComment" name="comments" rows="5" placeholder="Enter your feedback here" required></textarea> <div class="error-msg">We'd love to hear from you, please enter your comments.</div> <div class="email-error-msg">Invalid email address</div> <button id="submitFeedback" class="submit-btn" href="">Submit </button> <div class="captcha-disclaimer"> This form is protected by reCAPTCHA Enterprise and the Google <a href="https://policies.google.com/privacy">Privacy Policy</a> and <a href="https://policies.google.com/terms">Terms of Service</a> apply. </div> </form> </div> <div class="modal-right-content"> <img src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/user-form-icon.svg" alt="User Form" loading="lazy"> </div> </div> </div> <div class="modal-success-wrapper"> <div class="modal-success-content"> <div> <img src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/success-icon.svg" alt="Success Icon" loading="lazy"> <div class="feedback-success-message">Thank You for your feedback!</div> </div> </div> </div> <div class="modal-error-wrapper"> <div class="modal-error-content"> <div> <img src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/user-feedback-form/error-icon.svg" alt="Error Icon" loading="lazy"> <div class="feedback-error-message">Something went wrong. Please try again later.</div> </div> </div> </div> </div> </div> </div> </div> </div> <style>.mobile-ui .rafeed .author-favicon{display:none!important}.rafeed{background-color:#f1f1f1;font-family:Merriweather,serif!important;margin-bottom:20px;overflow:hidden}.rafeed__container{margin:0 auto;max-width:1290px;padding:0 15px;position:relative;width:100%}@media (max-width:1320px){.rafeed__container{max-width:650px}}@media (max-width:660px){.rafeed__container{max-width:100%}}.rafeed__heading{align-items:baseline;color:#000;display:flex;font-size:21px;font-weight:700;height:24px;line-height:24px;margin:30px 0}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__heading{align-items:flex-end}}.rafeed__heading .more-text{line-height:22px}@media (max-width:660px){.rafeed__heading .more-text{line-height:21px}}.rafeed__heading .forbes-logo{height:24px;padding-left:7px}.rafeed__heading .forbes-logo img{height:100%;max-height:100%;vertical-align:baseline;width:auto}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__heading .forbes-logo img{margin-top:-2.5px;vertical-align:auto}}@media (max-width:660px){.rafeed__heading .forbes-logo{height:20px}}.rafeed__grid-wrapper-dynamic{margin-bottom:10px}.rafeed__anchor{background-color:#fff;border:1px solid #e2e2e2;display:block;height:350px;outline:none;position:relative;text-decoration:none}@media (max-width:660px){.rafeed__anchor{height:auto}}.rafeed__anchor:hover{cursor:pointer;text-decoration:none;text-indent:0}.rafeed__anchor:hover .title{text-decoration:underline}.rafeed__anchor:hover .article-img:after{background-color:#111}.rafeed__anchor:hover .article-img img{opacity:.75}@media (max-width:660px){.rafeed__anchor:hover .article-img img{opacity:1}}.rafeed__block{animation-duration:1s;-webkit-animation-duration:1s;animation-fill-mode:both;-webkit-animation-fill-mode:both;animation-name:fadeInUp;-webkit-animation-name:fadeInUp;margin-bottom:20px;max-width:25%;opacity:0;padding:0 10px;width:100%}@media (max-width:1320px){.rafeed__block{max-width:50%}}@media (max-width:991px){.rafeed__block{max-width:50%}}@media (max-width:660px){.rafeed__block{margin-bottom:20px;max-width:100%;padding:0}}.rafeed__block.ed-wrap .ed-wrap-inner{align-items:center;background-color:#fff;border:1px solid #e1e1e1;display:flex;height:100%;margin:0 -1px}@media (max-width:660px){.rafeed__block.ed-wrap .ed-wrap-inner{background-color:transparent;border:none;height:auto;justify-content:center;margin:0}.rafeed__block.ed-wrap .ed-wrap-inner .ra-ed-wrap{background-color:#fff;min-height:230px;min-width:300px}}.rafeed__block .article-img{height:174px;overflow:hidden;position:relative;width:100%}@media (max-width:660px){.rafeed__block .article-img{height:auto}}.rafeed__block .article-img:after{background-color:#fff;bottom:0;content:"";left:0;position:absolute;right:0;top:0}.rafeed__block .article-img img{height:174px;-o-object-fit:cover;object-fit:cover;position:relative;width:100%;z-index:1}@media (max-width:660px){.rafeed__block .article-img img{height:auto}}.rafeed__block .article-img.article-img-bg{background-color:#dedede}.rafeed__block .article-img.article-img-bg:after{content:none}.rafeed__block .article-description{display:flex;flex-direction:column;height:calc(100% - 174px);padding:15px 15px 11px}@media (max-width:660px){.rafeed__block .article-description{height:auto}}.rafeed__block .title{-webkit-box-orient:vertical;-webkit-line-clamp:3;color:#111;display:-webkit-box;font-size:22px;font-weight:400;line-height:1.3;overflow:hidden}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block .title{max-height:88px}}@media (max-width:660px){.rafeed__block .title{-webkit-line-clamp:2;font-size:14px;font-weight:700;line-height:22px}}.rafeed__block .desc{-webkit-box-orient:vertical;-webkit-line-clamp:9;color:#777;display:-webkit-box;font-family:Roboto,sans-serif;font-size:15px;line-height:1.5;overflow:hidden;position:relative}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block .desc{max-height:202px}}.rafeed__block .desc:after{background-image:linear-gradient(hsla(0,0%,100%,0),hsla(0,0%,100%,.75),#fff);bottom:-5px;content:"";height:30px;left:0;position:absolute;width:100%}.rafeed__block .author-wrapper{align-items:center;color:#777;display:flex;flex-wrap:wrap;font-family:Roboto,sans-serif;font-size:13px;letter-spacing:-.25px;line-height:1.4;margin-top:auto;max-height:25px;overflow:hidden;text-transform:capitalize}.rafeed__block .author-wrapper strong{font-weight:700;margin:0 4px}.rafeed__block .author-wrapper .author-favicon{background-color:#c5c5c5;border-radius:50%;display:inline-block;height:24px;margin-right:5px;overflow:hidden;width:24px}@media (max-width:660px){.rafeed__block .author-wrapper .author-favicon{display:none;max-height:none;overflow:unset}}.rafeed__block .author-wrapper .author-favicon img{display:block;height:auto;width:100%}.rafeed__block.block-620x350{max-width:50%;width:100%}@media (max-width:1320px){.rafeed__block.block-620x350{max-width:50%}}@media (max-width:660px){.rafeed__block.block-620x350{max-width:100%}}@media (min-width:661px){.rafeed__block.block-620x350 .article-img{height:100%}.rafeed__block.block-620x350 .article-img img{height:350px}.rafeed__block.block-620x350 .article-description{background:linear-gradient(0deg,rgba(0,0,0,.95),transparent);bottom:0;display:flex;height:190px;justify-content:flex-end;left:0;padding:18px;position:absolute;right:0;z-index:1}.rafeed__block.block-620x350 .article-description .title{-webkit-line-clamp:2;color:#fff;margin-bottom:5px}}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block.block-620x350 .article-description .title{max-height:60px}}@media (min-width:661px){.rafeed__block.block-620x350 .article-description .author-wrapper{color:#fff;margin-top:0}}.rafeed__block.block-300x350-no-image .article-description{height:100%}.rafeed__block.block-300x350-no-image .article-description .title{margin-bottom:10px}.rafeed__block.block-300x140 .rafeed__anchor{height:140px}.rafeed__block.block-300x140 .article-description{height:100%}.rafeed__block.block-300x140 .title{-webkit-line-clamp:2}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block.block-300x140 .title{max-height:60px}}.rafeed__block.block-300x560 .rafeed__anchor{height:560px}.rafeed__block.block-300x560 .title{margin-bottom:10px}.rafeed__block.block-300x560 .desc{-webkit-line-clamp:10}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block.block-300x560 .desc{max-height:230px}}.rafeed__block.block-300x400 .rafeed__anchor{height:400px}.rafeed__block.block-300x400 .title{margin-bottom:10px}.rafeed__block.block-300x400 .desc{-webkit-line-clamp:3}@media (-ms-high-contrast:active),(-ms-high-contrast:none){.rafeed__block.block-300x400 .desc{max-height:70px}}@media (max-width:1320px){.rafeed__grid-wrapper-static .block-620x350{max-width:100%}}@media (max-width:660px){.rafeed__grid-wrapper-static .block-620x350 .article-description,.rafeed__grid-wrapper-static .block-620x350 .article-img,.rafeed__grid-wrapper-static .block-620x350 .article-img img{height:auto}}.rafeed__load-more{display:flex;justify-content:center;margin:0 0 30px}.rafeed__load-more .loader-ellips{font-size:20px;height:20px;position:relative;width:80px}.rafeed__load-more .loader-ellips__dot{animation-duration:.5s;animation-iteration-count:infinite;animation-timing-function:ease;background-color:#c5c5c5;border-radius:50%;display:block;height:20px;position:absolute;width:20px}.rafeed__load-more .loader-ellips__dot:first-child,.rafeed__load-more .loader-ellips__dot:nth-child(2){left:0}.rafeed__load-more .loader-ellips__dot:nth-child(3){left:30px}.rafeed__load-more .loader-ellips__dot:nth-child(4){left:60px}.rafeed__load-more .loader-ellips__dot:first-child{animation-name:reveal}.rafeed__load-more .loader-ellips__dot:nth-child(2),.rafeed__load-more .loader-ellips__dot:nth-child(3){animation-name:slide}.rafeed__load-more .loader-ellips__dot:nth-child(4){animation-direction:reverse;animation-name:reveal}.rafeed__row{display:flex;flex-wrap:wrap;margin:0 -10px}@media (max-width:660px){.rafeed__row{margin:0}}.rafeed__row.pattern-2 .rafeed__col:first-child{order:3}.rafeed__row.pattern-2 .rafeed__col:first-child .ed-wrap{order:1}.rafeed__row.pattern-3 .rafeed__col-2{order:0}.rafeed__row.pattern-3 .ed-wrap,.rafeed__row.pattern-4 .ed-wrap{height:350px;order:1}.rafeed__row.pattern-eds .ed-wrap{height:300px;width:300px}@media (max-width:660px){.rafeed__row.pattern-eds .ed-wrap{height:auto;width:100%}}.rafeed__col{display:flex;flex-wrap:wrap;padding:0 10px;width:25%}@media (max-width:1320px){.rafeed__col{width:50%}}@media (max-width:660px){.rafeed__col{width:100%}}.rafeed__col:first-child{order:1}.rafeed__col:nth-child(2){order:2}.rafeed__col:nth-child(3){order:3}.rafeed__col .rafeed__block{max-width:100%;padding:0}.rafeed__col .ed-wrap{height:350px}@media (max-width:660px){.rafeed__col .ed-wrap{height:auto}}.rafeed__col-2{display:flex;flex-wrap:wrap;width:50%}@media (max-width:1320px){.rafeed__col-2{width:100%}}.rafeed__col-2 .rafeed__block{max-width:300px}.rafeed__col-2 .rafeed__block:nth-child(2){margin-right:20px}.rafeed__col-2 .rafeed__block.block-620x350{max-width:100%}@media (max-width:660px){.rafeed__col-2 .rafeed__block{max-width:100%}}@keyframes reveal{0%{transform:scale(.001)}to{transform:scale(1)}}@keyframes slide{to{transform:translateX(30px)}}@keyframes fadeInUp{0%{transform:translate3d(0,40px,0)}to{opacity:1;transform:translateZ(0)}} </style><script> window.PerformanceLogger=window.PerformanceLogger||function(e,i,s){this.loggerBaseUrl=e,this.timeDifferenceMarkers={},this.timeMarkers={},this.sortedTimeMarkers=[],this.baseTime=0,this.loggableMarkers=i||{timeTakenToLoadDynamicRaFeed:"time"},this.sendSingleBeaconForAllMarkers=void 0===s||s,this.logUrls=this.sendSingleBeaconForAllMarkers?this.loggerBaseUrl:{},this.beaconType="image_pixel";var t=function(e,i,s){var t=e.indexOf("#"),r=-1===t?"":e.substr(t);e=-1===t?e:e.substr(0,t);var n=new RegExp("([?&])"+i+"=.*?(&|$)","i"),o=-1!==e.indexOf("?")?"&":"?";return(e=e.match(n)?e.replace(n,"$1"+i+"="+s+"$2"):e+o+i+"="+s)+r};this.createMarkerLoggingUrl=function(e,i){if(Object.keys(this.loggableMarkers).includes(e))return this.sendSingleBeaconForAllMarkers?(this.logUrls=""===this.logUrls?this.loggerBaseUrl:this.logUrls,void(this.logUrls=t(this.logUrls,this.loggableMarkers[e],i))):void(this.logUrls[e]=t(this.loggerBaseUrl,this.loggableMarkers[e],i))},this.setBaseTime=function(e){e=e||Date.now(),this.baseTime=e},this.addTimeMarker=function(e,i){var s=Date.now()-this.baseTime;this.timeMarkers[e]=s,this.sortedTimeMarkers=function(e){var i=[];for(var s in e)e.hasOwnProperty(s)&&i.push([s,e[s]]);return i.sort(function(e,i){return e[1]-i[1]}),i}(this.timeMarkers),void 0!==i&&!0===i&&this.createMarkerLoggingUrl(e,this.timeMarkers[e])},this.addTimeDifferenceMarker=function(e,i,s,t){Object.keys(this.timeMarkers).includes(i)&&Object.keys(this.timeMarkers).includes(s)&&(i=this.timeMarkers[i],s=this.timeMarkers[s],this.timeDifferenceMarkers[e]=s-i,void 0!==t&&!0!==t||this.createMarkerLoggingUrl(e,this.timeDifferenceMarkers[e]))},this.setBeaconType=function(e){this.beaconType=["image_pixel","native"].includes(e)?e:this.beaconType};var r=function(e,i,s){if("image_pixel"===i&&((new Image).src=e,"function"==typeof s&&s()),"native"===i){if("function"!=typeof window.navigator.sendBeacon){var t="XMLHttpRequest"in this?new XMLHttpRequest:new ActiveXObject("Microsoft.XMLHTTP");t.open("POST",e),t.withCredentials=!0,t.setRequestHeader("Accept","*/*"),t.send()}else navigator.sendBeacon(e);"function"==typeof s&&s()}};this.sendBeacon=function(e){e=e||"","string"!=typeof this.logUrls||""==this.logUrls?void 0!==this.logUrls[e]&&r(this.logUrls[e],this.beaconType,function(){delete this.logUrls[e]}.bind(this)):r(this.logUrls,this.beaconType,function(){this.logUrls=""}.bind(this))},this.sendBeacons=function(){"string"==typeof this.logUrls?this.sendBeacon():Object.keys(this.logUrls).forEach(function(e){this.sendBeacon(e)}.bind(this))}}; </script> <script> window.raFeedPerformanceLogger = new PerformanceLogger( 'https://lgforbes.akamaized.net/log?logid=kfk&evtid=advradebug', { timeTakenToLoadDynamicRaFeed: 'tTaken' } ); window.raFeedPerformanceLogger.setBaseTime(Date.now()); </script> <div class="rafeed" id="rafeed-main" data-ecom-container='{"componentTitle":"BTA Recirc Block","componentType":"Template Part"}'> <div class="rafeed__container"> <h4 class="rafeed__heading"> <span class="more-text">More from</span> <span class="forbes-logo"> <img width="186" height="24" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/forbes-updated-logo.svg" alt="forbes-advisor"/> </span> </h4> <div class="rafeed__grid-wrapper rafeed__grid-wrapper-static"> <div class="rafeed__row rafeed__row-0"> <div class="rafeed__block rafeed__block-0-0 "> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/is-the-economy-good-or-bad/" title="Is The Economy Good Or Bad?" data-ecom-link='{"clickText":"Is The Economy Good Or Bad?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/is-the-economy-good-or-bad\/","clickType":"internal"}'> <div class="article-img"> <img width="298" height="174" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2025/02/Is-Economy-Good-or-Bad-568x322.jpg" alt="Is The Economy Good Or Bad?"> </div> <div class="article-description"> <h5 class="title">Is The Economy Good Or Bad?</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper.png" alt="Taylor Tepper"></span> <span>By <strong>Taylor Tepper</strong></span> </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-1 "> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/best-online-brokers/" title="Best Online Brokers And Trading Platforms Of February 2025" data-ecom-link='{"clickText":"Best Online Brokers And Trading Platforms Of February 2025","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/best-online-brokers\/","clickType":"internal"}'> <div class="article-img"> <img width="298" height="174" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2020/12/best-online-brokers-568x322.jpg" alt="Best Online Brokers And Trading Platforms Of February 2025"> </div> <div class="article-description"> <h5 class="title">Best Online Brokers And Trading Platforms Of February 2025</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2024/11/maisha-headshot-Maisha-Shahid-e1730783915307.jpg" alt="Maisha Shahid"></span> <span>By <strong>Maisha Shahid</strong></span> </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-2 block-620x350"> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/stocks-on-sale-for-cyber-monday/" title="Forget Cyber Monday, Stocks Are On Sale Today" data-ecom-link='{"clickText":"Forget Cyber Monday, Stocks Are On Sale Today","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/stocks-on-sale-for-cyber-monday\/","clickType":"internal"}'> <div class="article-img"> <img width="618" height="350" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2024/11/cyber-monday-568x322.jpg" alt="Forget Cyber Monday, Stocks Are On Sale Today"> </div> <div class="article-description"> <h5 class="title">Forget Cyber Monday, Stocks Are On Sale Today</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594.jpg" alt="Rae Hartley Beck"></span> <span>By <strong>Rae Hartley Beck</strong></span> </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-3 block-620x350"> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/best-real-estate-mutual-funds/" title="9 Best Real Estate Mutual Funds Of February 2025" data-ecom-link='{"clickText":"9 Best Real Estate Mutual Funds Of February 2025","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/best-real-estate-mutual-funds\/","clickType":"internal"}'> <div class="article-img"> <img width="618" height="350" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2023/10/Best_Real_Estate_Mutual_Funds-568x322.jpg" alt="9 Best Real Estate Mutual Funds Of February 2025"> </div> <div class="article-description"> <h5 class="title">9 Best Real Estate Mutual Funds Of February 2025</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2024/03/Barbara-Friedberg_headshot_pink-Barbara-Friedberg-scaled.jpg" alt="Barbara Friedberg"></span> <span>By <strong>Barbara Friedberg</strong></span> </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-4 "> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/factors-to-consider-when-adding-gold-to-your-ira/" title="5 Factors To Consider When Adding Gold To Your IRA" data-ecom-link='{"clickText":"5 Factors To Consider When Adding Gold To Your IRA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/factors-to-consider-when-adding-gold-to-your-ira\/","clickType":"internal"}'> <div class="article-img"> <img width="298" height="174" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2020/09/gold_ingots_jpg_gfVTwmYH-568x322.jpg" alt="5 Factors To Consider When Adding Gold To Your IRA"> </div> <div class="article-description"> <h5 class="title">5 Factors To Consider When Adding Gold To Your IRA</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2020/10/advisor-forbes-logo.jpg" alt="Forbes Advisor Brand Group"></span> <span>By <strong>Forbes Advisor Brand Group</strong></span> </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-5 "> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://www.forbes.com/advisor/investing/best-ai-stocks/" title="10 Best AI Stocks Of February 2025" data-ecom-link='{"clickText":"10 Best AI Stocks Of February 2025","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/best-ai-stocks\/","clickType":"internal"}'> <div class="article-img"> <img width="298" height="174" loading="lazy" class="ra-feed-img static-ra-image" src="https://www.forbes.com/advisor/wp-content/uploads/2023/03/best_AI_stocks.jpeg-568x322.jpg" alt="10 Best AI Stocks Of February 2025"> </div> <div class="article-description"> <h5 class="title">10 Best AI Stocks Of February 2025</h5> <div class="author-wrapper"> <span class="author-favicon"><img loading="lazy" width="24" height="24" class="ra-feed-img static-author-image" src="https://www.forbes.com/advisor/wp-content/uploads/2022/06/cory-forbes.jpg" alt="Cory Mitchell"></span> <span>By <strong>Cory Mitchell</strong></span> </div> </div> </a> </div> </div> </div> </div> </div> <div class="rafeed__container"> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="authorbio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/tepper/" title="Taylor Tepper" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" alt="Taylor Tepper" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/tepper/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Taylor Tepper","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/tepper\/","clickType":"internal"}'> Taylor Tepper </a> <div class="authorbio__role">Senior Writer, Banking and Investing</div> </div> </div> <div class="authorbio__bottom"> <p>Taylor Tepper covered banking, investing and pretty much everything else in personal finance for more than a decade, with his work appearing in the New York Times, Fortune and MONEY magazine, as well as many other outlets. His work has received the recognition of his peers, including winning a Loeb award for his piece on the high cost of mental illness, and he completed the education requirement for the Certified Financial Planner (CFP) certification.</p> </div> </div> <div class="authorbio__wrap secondary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/rae-hartley-beck/" title="Rae Hartley Beck" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'> <img src="https://www.forbes.com/advisor/wp-content/uploads/2023/11/Rae-Hartley-Beck-e1701362427594-88x88.jpg" width="64" height="64" alt="Rae Hartley Beck" class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 alignnone photo" /> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/rae-hartley-beck/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Rae Hartley Beck","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/rae-hartley-beck\/","clickType":"internal"}'> Rae Hartley Beck </a> <div class="authorbio__role">Deputy Editor of Investing and Retirement</div> </div> </div> <div class="authorbio__bottom"> <p>Rae Hartley Beck first started writing about personal finance in 2011 with a regular column in her college newspaper as a staff writer. Since then she has become a leader in the Financial Independence, Retire Early (FIRE) movement and has over 300 bylines in prominent publications including Money, Bankrate and Investopedia on all things personal finance. A former award-winning claims specialist with the Social Security Administration, Rae continues to share her expert insider knowledge with Forbes Advisor readers.</p> </div> </div> <div class="authorbio__wrap secondary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" title="Lei Deng, CFA, CFP®" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'> <img loading="lazy" src="https://thumbor.forbes.com/thumbor/fit-in/96x/https://www.forbes.com/advisor/wp-content/uploads/2024/04/IMG_8068-Lei-Deng.jpg" alt="Lei Deng, CFA, CFP®" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/advisory-board/investing/lei-deng-cfa-cfp/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Lei Deng, CFA, CFP\u00ae","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/advisory-board\/investing\/lei-deng-cfa-cfp\/","clickType":"internal"}'> Lei Deng, CFA, CFP® </a> <div class="authorbio__role">Investing and Tax Planning Expert</div> </div> </div> <div class="authorbio__bottom"> <p>Investing expert Lei Deng is the founder and lead financial planner at Savor Financial. Holding both chartered financial analyst (CFA) and certified financial planner (CFP®) designations, she brings over a decade of experience to her role. <br> <br> Lei specializes in addressing the needs of small business owners and young families, especially those with immigrant backgrounds, offering tailored advice to help them navigate their financial lives. Before pursuing her financial planning career, Lei worked in investment analysis in areas including portfolio construction, asset allocation, quantitative research and investment manager research. Lei has contributed to major online publications and has appeared on local TV stations for her financial planning expertise. <br> <br> Outside of her professional life, Lei is actively involved in community service, holding board memberships at nonprofit organizations focused on social equity, Asian American and Pacific Islander (AAPI) advocacy and school safety. She values family time, especially when it involves cooking with her husband and children, blending their Asian and Hispanic heritage into their culinary creations.</p> </div> </div> </div> <div class="article_published_date"> </div> </div> </div> </div> <div id="advertiser-disclosure-block" class="disclosure-block is-hidden"> <div class="disclosure-block-content"> The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. <b>First</b>, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers' offers appear on the site. This site does not include all companies or products available within the market. <b>Second,</b> we also include links to advertisers' offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our <a href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a> who offer products that we have affiliate links for. </div> </div> <div class="ng-scope forbes-media-footer"> <footer class="clearfix shared-footer "> <div class="row-inner "> <div class="footer-logo"> <a href="https://www.forbes.com/" target="_self" class="logo logo-footer flex justify-center" aria-label="forbes"> <svg width="120" height="32" fill="#181716" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"> <path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path> </svg> </a> <span class="copy ng-binding">© 2025 Forbes Media LLC. All Rights Reserved.</span> </div> <ul class="footer-links"> <li><a href="https://preferences-mgr.truste.com/?pid=forbes01" target="_blank" rel="noopener noreferrer">AdChoices</a></li> <li><a href="https://www.forbes.com/advisor/privacy-policy/" target="_self">Privacy Statement</a></li> <li><a href="https://www.forbes.com/consent/editprivacy/?consent_do_not_sell=true" target="_blank" rel="noopener noreferrer">Do Not Sell or Share My Personal Information</a></li> <li><a href="https://www.forbes.com/consent/editprivacy/?consent_limit=true" target="_blank" rel="noopener noreferrer">Limit the Use of My Sensitive Personal Information</a></li> <li><a href="https://www.forbes.com/consent/editprivacy/?consent_limit=true" target="_self" rel="noopener noreferrer">Privacy Preferences</a></li> <li><a href="https://www.forbes.com/digital-terms-of-sale" target="_self" rel="noopener noreferrer">Digital Terms of Sale</a></li> <li><a href="https://www.forbes.com/terms-and-conditions/" target="_self" rel="noopener noreferrer">Terms of Service</a></li> <li><a href="https://www.forbes.com/fdc/contact.html" target="_self">Contact Us</a></li> <li><a href="mailto:feedback@forbes.com">Send Us Feedback</a></li> <li><a href="https://www.forbes.com/contact/" target="_self" rel="noopener noreferrer">Report a Security Issue</a></li> <li><a href="https://www.forbes.com/sites/careers-at-forbes/" target="_self">Jobs At Forbes</a></li> <li><a href="http://forbesreprints.magreprints.com/" target="_blank" rel="noopener noreferrer">Reprints & Permissions</a></li> <li><a href="https://www.forbes.com/sites/forbespr/" target="_self">Forbes Press Room</a></li> <li><a href="http://www.forbesmedia.com/" target="_blank" rel="noopener noreferrer">Advertise</a></li> </ul> </div> </footer> </div> <script> (function handleExternalLinking() { window.partnerNames = []; var articleBody = '.article-link-wrapper'; var siteUrl = 'https://www.forbes.com/advisor'; const stripTrailingSlash = str=>str.charAt(str.length-1)=="/"?str.substr(0,str.length-1):str; if (document.querySelector(articleBody)) { var elm = document.querySelectorAll(articleBody + ' a'); for (var i = 0; i < elm.length; i++) { var $currElm = elm[i]; var link = $currElm.getAttribute('href'); if(!link){ continue; } var hasQueryParam = link.indexOf("?"), newRel = $currElm.getAttribute('rel') || ''; const matches = link.match(/^https?\:\/\/([^\/?#]+)(?:[\/?#]|$)/i); if(matches && matches[0]){ const partnerURL = stripTrailingSlash(matches && matches[0]); const partnerLinksObj = window.partnerConfig['links']; const bankRateLID = window.partnerConfig['bankrate_lid']; var queryParamURL = new URL(link); if(partnerLinksObj && queryParamURL.href.includes('/click-8860193-')){ window.partnerNames.push(partnerLinksObj['/click-8860193-']) } else if(partnerLinksObj[partnerURL] && partnerURL == 'https://oc.brcclx.com'){ if(queryParamURL.searchParams.has("lid")){ var lidValue = queryParamURL.searchParams.get("lid"); if(bankRateLID[lidValue]){ window.partnerNames.push(bankRateLID[lidValue]) }else{ window.partnerNames.push(partnerLinksObj[partnerURL]) } }else{ window.partnerNames.push(partnerLinksObj[partnerURL]) } } else if(partnerLinksObj[partnerURL]){ window.partnerNames.push(partnerLinksObj[partnerURL]) } } link = hasQueryParam < 0 ? link : link.substring(0, hasQueryParam) ; if (link && link.indexOf(siteUrl) == -1 && (link.indexOf("http://") == 0 || link.indexOf("https://") == 0)) { newRel = newRel.indexOf('noopener') < 0 ? newRel + ' noopener': newRel; $currElm.setAttribute('rel', newRel.trim()); if(!$currElm.hasAttribute("target")){ $currElm.setAttribute('target', '_blank'); } } } } })(); function checkBrowser(){ // Detecting Safari Browser var isSafari = /^((?!chrome|android).)*safari/i.test(navigator.userAgent); if (isSafari) { document.body.classList.add('safari'); } } window.addEventListener("DOMContentLoaded", checkBrowser); </script><div class="search-modal" style="display:none"> <a href="https://www.forbes.com/" class="search-modal__logo-link"> <svg class="search-modal__logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 200 54"><path d="M113.3 18.2c0-5.8.1-11.2.4-16.2L98.4 4.9v1.4l1.5.2c1.1.1 1.8.5 2.2 1.1.4.7.7 1.7.9 3.2.2 2.9.4 9.5.3 19.9 0 10.3-.1 16.8-.3 19.3 5.5 1.2 9.8 1.7 13 1.7 6 0 10.7-1.7 14.1-5.2 3.4-3.4 5.2-8.2 5.2-14.1 0-4.7-1.3-8.6-3.9-11.7-2.6-3.1-5.9-4.6-9.8-4.6-2.6 0-5.3.7-8.3 2.1zm.3 30.8c-.2-3.2-.4-12.8-.4-28.5.9-.3 2.1-.5 3.6-.5 2.4 0 4.3 1.2 5.7 3.7 1.4 2.5 2.1 5.5 2.1 9.3 0 4.7-.8 8.5-2.4 11.7-1.6 3.1-3.6 4.7-6.1 4.7-.8-.2-1.6-.3-2.5-.4zM41 3H1v2l2.1.2c1.6.3 2.7.9 3.4 1.8.7 1 1.1 2.6 1.2 4.8.8 10.8.8 20.9 0 30.2-.2 2.2-.6 3.8-1.2 4.8-.7 1-1.8 1.6-3.4 1.8l-2.1.3v2h25.8v-2l-2.7-.2c-1.6-.2-2.7-.9-3.4-1.8-.7-1-1.1-2.6-1.2-4.8-.3-4-.5-8.6-.5-13.7l5.4.1c2.9.1 4.9 2.3 5.9 6.7h2V18.9h-2c-1 4.3-2.9 6.5-5.9 6.6l-5.4.1c0-9 .2-15.4.5-19.3h7.9c5.6 0 9.4 3.6 11.6 10.8l2.4-.7L41 3zm-4.7 30.8c0 5.2 1.5 9.5 4.4 12.9 2.9 3.4 7.2 5 12.6 5s9.8-1.7 13-5.2c3.2-3.4 4.7-7.7 4.7-12.9s-1.5-9.5-4.4-12.9c-2.9-3.4-7.2-5-12.6-5s-9.8 1.7-13 5.2c-3.2 3.4-4.7 7.7-4.7 12.9zm22.3-11.4c1.2 2.9 1.7 6.7 1.7 11.3 0 10.6-2.2 15.8-6.5 15.8-2.2 0-3.9-1.5-5.1-4.5-1.2-3-1.7-6.8-1.7-11.3C47 23.2 49.2 18 53.5 18c2.2-.1 3.9 1.4 5.1 4.4zm84.5 24.3c3.3 3.3 7.5 5 12.5 5 3.1 0 5.8-.6 8.2-1.9 2.4-1.2 4.3-2.7 5.6-4.5l-1-1.2c-2.2 1.7-4.7 2.5-7.6 2.5-4 0-7.1-1.3-9.2-4-2.2-2.7-3.2-6.1-3-10.5H170c0-4.8-1.2-8.7-3.7-11.8-2.5-3-6-4.5-10.5-4.5-5.6 0-9.9 1.8-13 5.3-3.1 3.5-4.6 7.8-4.6 12.9 0 5.2 1.6 9.4 4.9 12.7zm7.4-25.1c1.1-2.4 2.5-3.6 4.4-3.6 3 0 4.5 3.8 4.5 11.5l-10.6.2c.1-3 .6-5.7 1.7-8.1zm46.4-4c-2.7-1.2-6.1-1.9-10.2-1.9-4.2 0-7.5 1.1-10 3.2s-3.8 4.7-3.8 7.8c0 2.7.8 4.8 2.3 6.3 1.5 1.5 3.9 2.8 7 3.9 2.8 1 4.8 2 5.8 2.9 1 1 1.6 2.1 1.6 3.6 0 1.4-.5 2.7-1.6 3.7-1 1.1-2.4 1.6-4.2 1.6-4.4 0-7.7-3.2-10-9.6l-1.7.5.4 10c3.6 1.4 7.6 2.1 12 2.1 4.6 0 8.1-1 10.7-3.1 2.6-2 3.9-4.9 3.9-8.5 0-2.4-.6-4.4-1.9-5.9-1.3-1.5-3.4-2.8-6.4-4-3.3-1.2-5.6-2.3-6.8-3.3-1.2-1-1.8-2.2-1.8-3.7s.4-2.7 1.3-3.7 2-1.4 3.4-1.4c4 0 6.9 2.9 8.7 8.6l1.7-.5-.4-8.6zm-96.2-.9c-1.4-.7-2.9-1-4.6-1-1.7 0-3.4.7-5.3 2.1-1.9 1.4-3.3 3.3-4.4 5.9l.1-8-15.2 3v1.4l1.5.1c1.9.2 3 1.7 3.2 4.4.6 6.2.6 12.8 0 19.8-.2 2.7-1.3 4.1-3.2 4.4l-1.5.2v1.9h21.2V49l-2.7-.2c-1.9-.2-3-1.7-3.2-4.4-.6-5.8-.7-12-.2-18.4.6-1 1.9-1.6 3.9-1.8 2-.2 4.3.4 6.7 1.8l3.7-9.3z"></path></svg> </a> <div class="search-modal__close"> <svg class="search-modal__close-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(45.001 10 10)" d="M2 9h16v2H2z"></path><path transform="rotate(134.999 10 10)" d="M2 9h16v2H2z"></path></svg> </div> <form class="search-modal__form"> <input type="text" class="search-modal__input" placeholder="Search"> <button class="search-modal__button"> <svg class="search-modal__button-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path transform="rotate(-180 8.964 11)" d="M1 10h16v2H1z"></path><path transform="rotate(134.999 14.965 13.124)" d="M11 12.1h8v2h-8z"></path><path transform="rotate(-134.999 14.965 8.877)" d="M11 7.9h8v2h-8z"></path></svg> </button> </form> </div><style> .tool-tip{background-color: #fff;padding: 10px;border-radius: 5px;border: 1px solid #eee;position: absolute;z-index: 99;max-width: 250px;display: none;box-shadow:0px 1px 5px 2px #eee;} .tool-tip.active{display:block;} </style> <div class="tool-tip"> <div class="tool-top__text">lorem</div> </div><style> .confirm__box{width:100%;max-width:500px;display:flex;background-color:#fff;padding:50px 36px;flex-direction:column;justify-content: center;align-items: center;position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);z-index:8900;box-shadow:0 0 20px 10px rgba(0,0,0,.08);display:none;border:1px solid #e2e2e2;} .confirm__box--title{font-family: Merriweather,serif;font-size:16px;line-height: 1.44;color: #181715;text-align:center;margin-bottom:20px;font-weight:700;} .confirm__ctas{display:flex;justify-content:center;} .confirm__cta{font-family: 'Work Sans',sans-serif;font-size:14px;color:#181715;letter-spacing:-0.5px;font-weight:500;line-height:16px;padding:12px 22px;border-radius:3px;background-color:#fff;text-transform:uppercase;width:100px;display:inline-block;} .confirm__cta--cancle{margin-right:12px;border:1px solid #181715;} .confirm__cta--cancle--hide{display:none;} .confirm__cta--ok{color:#fff;background-color: #5a71ff;} .confirm__cta--ok--hide{display:none;} </style> <div class="confirm__box" id="confirm__box"> <div class="confirm__box--title" id="confirm__box--title">Are you sure you want to rest your choices?</div> <div class="confirm__ctas"> <button id="confirm__cancel" class="confirm__cta confirm__cta--cancle">cancel</button> <button id="confirm__ok" class="confirm__cta confirm__cta--ok">ok</button> </div> </div><script> var __linkprefetch = (function(){ var util = (function () { function isStringSet(str) { return typeof str === "string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 'body a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); if (!!url && !!hostName && (hostName === E2E_HOST || hostName === BANKRATE_HOST || hostName === POLICYGENIUS_HOST || hostName === LINKSYNERGY_HOST)) { if( hostName !== POLICYGENIUS_HOST ) { __prefetch.init(link); } //Generate Tracking ID var idsObj = getTrackingIdHash(); //append tracking id url = appendTrackingId(url, hostName, idsObj.tid); //set tracking attributes link = setAttributesToLink(link, { "href": url, "rel": "nofollow noopener", "target": "_blank", "data-uid": USER_ID_HASH, "data-cid": idsObj.uid, "data-tid": idsObj.tid, }); } } } } return { setCookie: setCookie, setTrackingId: setTrackingId, getUserIdHash: getUserIdHash, USER_ID_HASH: USER_ID_HASH, getUniqueId: getUniqueId, getTrackingIdHash: getTrackingIdHash } })(__cookieController, __helper, __linkprefetch); //set cookie values __linkTrackingController.setCookie(); function detectIsIE(){ var ua = window.navigator.userAgent; var msie = ua.indexOf("MSIE "); // IE browser check if (msie > 0 || !!navigator.userAgent.match(/Trident.*rv\:11\./)) { return true; } return false; } document.addEventListener('DOMContentLoaded', function () { //set user id var event; // The 'new Event' code is not supported in IE so update code for IE if(detectIsIE()){ event = document.createEvent('Event'); event.initEvent('tidSet', true, true); } else{ event = new Event('tidSet'); } window.dispatchEvent(event); window.__mpctc = (function(){ return { 'userid': function(){ return __linkTrackingController.getUserIdHash(); }, 'tid': function(){ return (__linkTrackingController.getTrackingIdHash()).tid } } })(); }); </script> <script> window.shortcodesOnPage = ["cta_builder"]; if(window.dataLayer){ window.dataLayer.push({ 'shortcodesOnPage': window.shortcodesOnPage }); } window.shortcodesPartnersOnPage = []; </script><script type="text/javascript"> var e2e = (function(){ var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Optimized Header v1', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: document.referrer, author_name: 'Taylor Tepper', author_role: 'Senior Writer, Banking and Investing', primary_category: 'Investing', secondary_category: '', published_date: 'May 30, 2023', updated_date: 'Aug 29, 2024', ra_feed_enabled: 0 }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '7aead43fc8', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); if( Object.keys(analyticsData).length !== 0 ){ fetch('https://www.forbes.com/advisor/wp-admin/admin-ajax.php', { method: "POST", body: new URLSearchParams(data).toString(), headers: { "Content-type": "application/x-www-form-urlencoded; charset=UTF-8" } }) } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ window.dataLayer.push({ 'cd': { 'ReferrerHost': analyticsParams.referrer_host, 'ReferrerUrl': analyticsParams.referrer_url } }); } /** * Sends Multiple (Total 2) Page View Events to analytics in 10 seconds interval */ function sendPageviewEventMultiple(){ var statusCount = 1; var totalExecCount = 2; var initialTime = 10; var increment = 10; var eventName = analyticsParams.pageview_event; var recursiveAnalyticscall = setInterval(function(){ var newEventName = eventName + '-' + initialTime; sendPageviewEvent({event:newEventName}); if( statusCount === totalExecCount ){ clearInterval(recursiveAnalyticscall); } initialTime += increment; statusCount++; },10000); } function e2eSendPageView(){ sendPageviewEvent(); // sendPageviewEventMultiple(); } /** * Gets host name from a url string * @param url * @returns {string} */ function getHostName(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return url; } /** * Logs bankrate click event to database */ function logBankrateEvent(){ log({ event: analyticsParams.bankrate_event, cc_name: analyticsParams.cc_name, info: analyticsParams.cta_info, placement: analyticsParams.cta_placement, template: analyticsParams.page_template, tid: analyticsParams.tracking_id, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, product_id : analyticsParams.product_id, product_position : analyticsParams.product_position }); } /** * Sends Bankrate click Event to analytics */ function sendBankrateEvent(){ window.dataLayer.push({ 'cd': { 'BankrateClickCardName': analyticsParams.cc_name, 'BankrateClickCTA': analyticsParams.cta_info, 'ProductType': analyticsParams.product_type, 'ProductId': analyticsParams.product_id, 'BankrateClickPosition': analyticsParams.product_position, 'CardCategoryTabName': analyticsParams.card_category_tab_name, } }); } function sendBankrateClickEvent(targetEl) { if(isElement(targetEl) && targetEl.tagName.toLowerCase() === 'a'){ var href = targetEl.getAttribute('href'); var host_name = getHostName(href); if (!!host_name && ( host_name === E2E_HOST || host_name === BANKRATE_HOST ) ) { var card_name = targetEl.getAttribute('data-cc-name'); var card_info = targetEl.getAttribute('data-cta-info'); var card_placement = targetEl.getAttribute('data-cta-placement'); var product_type = targetEl.getAttribute('data-product'); var product_id = targetEl.getAttribute('data-product-id'); var tracking_id = targetEl.getAttribute('data-tid'); var product_position = targetEl.getAttribute('data-position'); var card_category_tab_name = targetEl.getAttribute('data-tab-name'); analyticsParams.cc_name = !!card_name ? card_name : targetEl.innerText; analyticsParams.cta_info = !!card_info ? card_info : ''; analyticsParams.cta_placement = !!card_placement ? card_placement : ''; analyticsParams.product_type = !!product_type ? product_type : ''; analyticsParams.product_id = !!product_id ? product_id : ''; analyticsParams.tracking_id = tracking_id; analyticsParams.product_position = product_position; analyticsParams.card_category_tab_name = !!card_category_tab_name ? card_category_tab_name : ''; logBankrateEvent(); sendBankrateEvent(); analyticsParams.tracking_id = ''; } } } /** * Handler to handle bankrate clicks * @param e */ function handleBankrateCtaClick(e){ var targetEl = e.target; var el; if( targetEl.tagName.toLowerCase() === 'a' ){ el = targetEl; }else{ if( Element.prototype.closest ){ el = targetEl.closest('a'); } } sendBankrateClickEvent(el); } /** * Add listeners */ function addEvents(){ var trackingElement = document.querySelectorAll('.inarticle-link-tracking'); for(var i = 0; i < trackingElement.length ;i++){ trackingElement[i].addEventListener('click',handleBankrateCtaClick); } } function initPolyfilForClosest(){ if (!Element.prototype.matches) { Element.prototype.matches = Element.prototype.msMatchesSelector || Element.prototype.webkitMatchesSelector; } if (!Element.prototype.closest) { Element.prototype.closest = function(s) { var el = this; do { if (el.matches(s)) return el; el = el.parentElement || el.parentNode; } while (el !== null && el.nodeType === 1); return null; }; } } function init(){ initPolyfilForClosest(); addEvents(); // setGtagUserId(); e2eSendPageView(); } return { init : init } })(); e2e.init(); </script> <script id="mkpl-table-script">function mkplThrottle(e,t=500){let l;return function(){l||(e(),l=setTimeout(()=>{l=null},t))}}function adjustMkplTableContentByDevice(){let e=document.querySelectorAll(".mkpl-shortcode-instance"),t=window.innerWidth;e.forEach(e=>{let l=e.querySelector(".mkpl-mobile-table-container"),i=e.querySelector(".mkpl-desktop-table-container"),s=e?.offsetWidth;t<767||s&&s<600?(e.classList.add("mobile"),e.classList.remove("desktop"),l&&(l.style.display="block"),i&&(i.style.display="none")):(e.classList.add("desktop"),e.classList.remove("mobile"),l&&(l.style.display="none"),i&&(i.style.display="block"))}),mkplResizeTableCell(e)}function mkplResizeTableCell(e){function t(e,t){let l=e.querySelectorAll(".mkpl-single-row "+t),i=0;l.forEach(e=>{e.style.removeProperty("min-height"),i=Math.max(i,e.offsetHeight)}),l.forEach(e=>{e.style.minHeight=`${i+8}px`})}e.forEach(e=>{if(e&&(e.classList.contains("variation-2")||e.classList.contains("variation-4"))){t(e,".mkpl-prod-image"),t(e,".mkpl-prod-rating");let l=e.querySelectorAll(".mkpl-single-row:first-child .cell");l.forEach((l,i)=>{t(e,`.cell:nth-child(${i+1})`)})}})}document.addEventListener("DOMContentLoaded",function(){let e=document.querySelectorAll(".mkpl-shortcode-instance");e.forEach(e=>{(function e(t){let l=t.querySelector("#mkpl-market-table");if(!l)return;t.getAttribute("data-custom-value");let i=t.getAttribute("data-variation"),s=t.querySelector("#seeMoreBtn"),a=t.querySelector("#seeLessBtn"),n=t.querySelector("#mkpl-table-scroll"),c=1===parseInt(l.getAttribute("data-mc")||0),o=parseInt(l.getAttribute("data-tcc")||0),r=n.offsetWidth,d=10;function y(){let e=l?.querySelectorAll("tbody tr:not(.thead)");e&&(e.forEach((e,t)=>{t<d?e.style.display="table-row":e.style.display="none"}),s.style.display=d>=e.length?"none":"block",a.style.display=d>10?"block":"none")}s?.addEventListener("click",()=>{d+=10,y()}),a?.addEventListener("click",()=>{d=10,y()}),y();let M,g,u=screen.width;u<912?(M=1,g="mobile"):u<1200?(M=3,g="tablet"):(M="variation-1"==i?4:3,g="desktop");let L=1,m=r/(M+1),p=0,I=l?.rows;if(I){let b=l?.rows[0].cells||[];for(let T of b)p+=parseInt(T.getAttribute("colspan")||"1")}function k(e){if(I){if(c){l.style.minWidth=`${m*o}px`;let t=l.querySelector("th:first-child");t&&(t.style.position="relative")}else for(let s=0;s<I.length;s++){let a=I[s].cells;for(let r=0;r<a.length;r++){let d="variation-1"!==i&&r===a.length-1&&"desktop"===g;0===r||r>=e&&r<e+M||d?a[r].style.display="table-cell":a[r].style.display="none"}}1===e?E.classList.add("disabled"):E.classList.remove("disabled"),p<6?n.classList.add("mkpl-border-radius"):n.classList.remove("mkpl-border-radius");let y="variation-1"==i?0:1;e+M+y>=p?(N.classList.add("disabled"),E.classList.add("right-disable"),n.classList.add("table-last-col")):(N.classList.remove("disabled"),E.classList.remove("right-disable"),n.classList.remove("table-last-col")),e>1?E.style.display="block":E.style.display="none",e+M+y<p?N.style.display="block":N.style.display="none"}}let E=t.querySelector("#left-arrow"),N=t.querySelector("#right-arrow");E?.addEventListener("click",()=>{L>1&&(k(--L),n.scrollLeft-=r/(M+1))}),N?.addEventListener("click",()=>{L+M<p&&(k(++L),n.scrollLeft+=r/(M+1))}),k(L)})(e)});let t=document.querySelectorAll(".cell-content");t.forEach(t=>{let l=t.innerHTML.indexOf("");if(-1!==l){let i=t.innerHTML.substring(0,l),s=t.innerHTML.substring(l+11);t.innerHTML=i;let a=t.parentNode,n="...Read More",c="...Read Less";a&&a.classList.contains("mkpl-single-column-v3")&&(n='<span>Read More</span><img src="data:image/svg+xml;base64,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" />',c='<span>Read Less</span><img src="data:image/svg+xml;base64,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" />');let o={clickText:"...Read More",clickType:"Button",referenceText:""},r=JSON.stringify(o),d=document.createElement("div");d.innerHTML=s,d.classList.add("hidden"),t.appendChild(d);let y=document.createElement("button");y.innerHTML=n,y.classList.add("read-more-btn"),y.classList.add("collapsed"),y.setAttribute("data-"+window.annotationKey+"-misc-click",r),t.appendChild(y),y.addEventListener("click",function(){d.classList.contains("hidden")?(d.classList.remove("hidden"),d.classList.remove("collapsed"),y.innerHTML=c,o.clickText="...Read Less",r=JSON.stringify(o),y.setAttribute("data-"+window.annotationKey+"-misc-click",r)):(d.classList.add("hidden"),y.innerHTML=n,o.clickText="...Read More",r=JSON.stringify(o),y.setAttribute("data-"+window.annotationKey+"-misc-click",r)),mkplResizeTableCell(e)})}});let l=document.querySelectorAll(".mkpl-tooltip-trigger");function i(e){let t=e.getAttribute("data-tooltip-text");if(!t)return;let l=e.querySelector(".mkpl-tooltip");l||((l=document.createElement("div")).className="mkpl-tooltip",e.appendChild(l)),l.textContent=t,l.style.display="block"}l.forEach(e=>{e.addEventListener("mouseenter",mkplThrottle(()=>i(e))),e.addEventListener("mouseleave",mkplThrottle(()=>(function e(t){let l=t.querySelector(".mkpl-tooltip");l&&(l.style.display="none")})(e))),e.addEventListener("click",t=>{i(e),t.stopPropagation()})}),document.addEventListener("click",function e(){let t=document.querySelectorAll(".mkpl-tooltip");t.forEach(e=>{e.style.display="none"})}),adjustMkplTableContentByDevice()}),window.addEventListener("resize",mkplThrottle(adjustMkplTableContentByDevice,100));</script><style id="mkpl-table-style">.mkpl-shortcode-instance .variation-3 .primary-font,.mkpl-shortcode-instance .variation-4 .primary-font,.mkpl-tooltip{font-family:var(--primary_font_family)}:root{--primary_font_family:"EuclidCircularB",sans-serif;--work_sans_font_family:"Work Sans"}#mkpl-table-main-container{position:relative}.mkpl-shortcode-instance.variation-1.advisor tr.thead th,.mkpl-shortcode-instance.variation-2.advisor tr.thead th{background:unset!important}.variation-1.advisor #mkpl-market-table th:first-child,.variation-2.advisor #mkpl-market-table th:first-child{border-radius:8px 0 0;border-right:.556px solid #e2e8f0}.variation-1.advisor #mkpl-market-table th:last-child,.variation-2.advisor #mkpl-market-table th:last-child{border-radius:0 8px 0 0;border-right:.556px solid #e2e8f0}.variation-2.advisor #mkpl-market-table th{font-family:var(--work_sans_font_family)!important;line-height:24px!important}.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-container .mkpl-product-name,.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-container .mkpl-product-name a,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-container .mkpl-product-name,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-container .mkpl-product-name a{color:#007ac8!important;line-height:24px!important;font-family:var(--work_sans_font_family)!important}.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-rating-container .mkpl-product-rating .mkpl-product-rating-txt,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-rating-container .mkpl-product-rating .mkpl-product-rating-txt{font-family:"Work Sans"!important;font-size:16px!important;font-weight:700!important;line-height:26px!important}.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-cta-container a.mkpl-product-cta-button,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-cta-container a.mkpl-product-cta-button{background:#007ac8!important;box-shadow:0 4px 12px 0 rgba(0,0,0,.2);border:unset!important}.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-cta-container a.mkpl-product-cta-button span,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-cta-container a.mkpl-product-cta-button span{color:#fff!important;font-family:"Work Sans"!important;line-height:26px!important}.mkpl-shortcode-instance.variation-1.advisor .mkpl-product-rating-container .mkpl-product-rating,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-rating-container .mkpl-product-rating{margin-top:unset!important;gap:4px}.mkpl-shortcode-instance.variation-1.advisor .mkpl-cta-subtext,.mkpl-shortcode-instance.variation-2.advisor .mkpl-cta-subtext{font-family:"Work Sans"!important;line-height:16px!important}.mkpl-shortcode-instance.variation-1.advisor a,.mkpl-shortcode-instance.variation-2.advisor a{color:#007ac8;line-height:24px;font-family:"Work Sans"!important}.mkpl-logo-container .desktop-logo{display:inline-block}.mkpl-logo-container .mobile-logo,.mkpl-shortcode-instance .after-more-tag.hidden,.mkpl-shortcode-instance .hidden,.mkpl-shortcode-instance .mkpl-content-hidden{display:none}@media (max-width:768px){.mkpl-logo-container .desktop-logo{display:none}.mkpl-logo-container .mobile-logo{display:inline-block}}.mkpl-shortcode-instance.variation-1.advisor div,.mkpl-shortcode-instance.variation-2.advisor div{font-family:"Work Sans";line-height:24px}.mkpl-shortcode-instance.default.variation-1.advisor table#mkpl-market-table td a,.mkpl-shortcode-instance.default.variation-2.advisor table#mkpl-market-table td a{color:#007ac8!important;font-family:"Work Sans";line-height:24px}.mkpl-shortcode-instance.default.variation-1.advisor table#mkpl-market-table td strong a,.mkpl-shortcode-instance.default.variation-2.advisor table#mkpl-market-table td strong a{font-weight:700}.mkpl-shortcode-instance.variation-1.advisor strong,.mkpl-shortcode-instance.variation-2.advisor strong{font-weight:700;line-height:24px}.mkpl-mobile-table-containe .mkpl-table-caption span,.variation-1.advisor #mkpl-table-main-container .mkpl-table-caption span,.variation-2.advisor #mkpl-table-main-container .mkpl-table-caption span{color:#333;font-family:"Work Sans"}.variation-1.advisor #mkpl-table-main-container #mkpl-market-table th{font-size:16px;line-height:26px}#mkpl-table-main-container #mkpl-market-table th{color:#fff;font-weight:500;font-size:14px;text-transform:capitalize;padding:25px 16px;line-height:20px;white-space:initial;vertical-align:middle;word-wrap:break-word;overflow-wrap:break-word}#mkpl-table-container .style-1 th{text-align:left}#mkpl-market-table div#mkpl-readmore-after div{padding:5px 0}table#mkpl-market-table{border:0 solid;border-collapse:collapse;margin-top:0;margin-bottom:0}#mkpl-table-container table#mkpl-market-table td li,table#mkpl-market-table td{font-size:14px;font-weight:400;line-height:22px}table#mkpl-market-table td{padding:16px}.mkpl-shortcode-instance.default table#mkpl-market-table td a,.mkpl-shortcode-instance.variation-2.mobile button.read-more-btn,.mkpl-shortcode-instance.variation-4.mobile button.read-more-btn,table#mkpl-market-table td button{border:0;padding:0;color:#4657a1;font-size:14px;line-height:22px;font-weight:500;cursor:pointer;background:0 0;display:contents}#mkpl-table-container{width:100%}#mkpl-table-scroll{border:1px solid #ededed;width:-webkit-calc(100% - 50px);width:-moz-calc(100% - 50px);width:calc(100% - 50px)}#mkpl-market-table{table-layout:fixed;table-layout:fixed;width:100%}#mkpl-market-table th:first-child{position:sticky;left:0;z-index:1}#mkpl-market-table td,#mkpl-market-table th,#mkpl-market-table tr{border:none}#mkpl-market-table td,#mkpl-market-table th{border-right:1px solid #e2e8f0}#mkpl-table-main-container button#left-arrow{position:absolute;top:69px;right:1px;width:50px;border:1px solid #e2e8f0;background:#fff;height:70px;transition:opacity .3s}#mkpl-table-main-container button img{margin:auto}#mkpl-table-main-container button#right-arrow{position:absolute;top:0;right:1px;width:50px;border:1px solid #e2e8f0!important;background:#fff;height:70px;border-top:0;border-left:0;border-top-right-radius:10px}#mkpl-table-main-container button#left-arrow:focus,#mkpl-table-main-container button#left-arrow:hover,#mkpl-table-main-container button#right-arrow:focus,#mkpl-table-main-container button#right-arrow:hover{outline:0;background:#e2e8f045}#mkpl-table-main-container button#seeLessBtn,#mkpl-table-main-container button#seeMoreBtn{border:2px solid #4657a1;color:#4657a1;background:#f5f7ff;text-align:center;font-size:16px;line-height:24px;font-weight:600;padding:10px 48px;margin:20px auto 0;display:block;border-radius:4px}#mkpl-table-main-container button#seeLessBtn{margin-top:20px}.mkpl-shortcode-instance.variation-1 #mkpl-table-container tbody tr:nth-of-type(2n+3),.mkpl-shortcode-instance.variation-2 #mkpl-table-container tbody tr:nth-of-type(2n+3){background-color:#fff!important}table#mkpl-market-table .Button{text-align:center;vertical-align:middle}.mkpl-shortcode-instance a.mkpl-btn-blue{background:#535d82;padding:8px 35px;font-size:14px;color:#fff;border-radius:4px;text-decoration:none;line-height:22px;transition:background-color .3s;display:block;text-align:center}.mkpl-shortcode-instance a.mkpl-btn-blue:hover{background:#4657a1}.mkpl-shortcode-instance table p,.mkpl-shortcode-instance table table{color:#1e293b!important}#mkpl-table-container table#mkpl-market-table li,.mkpl-shortcode-instance a.mkpl-btn-blue,table#mkpl-market-table,table#mkpl-market-table button.read-more-btn,table#mkpl-market-table td.bold-col-title{font-weight:600}table#mkpl-market-table.style-2 td a,table#mkpl-market-table.style-2 td button{background:#4b9e8b;padding:8px 40px;font-size:16px;color:#fff;border-radius:4px;text-decoration:none}.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables td,.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables th,.mkpl-shortcode-instance.variation-4 .mkpl-simple_tables td,.mkpl-shortcode-instance.variation-4 .mkpl-simple_tables th,table#mkpl-market-table.style-2 td:nth-child(2),table#mkpl-market-table.style-2 th:nth-child(2){border-right:0!important}table#mkpl-market-table.style-2 td:first-child,table#mkpl-market-table.style-2 td:last-child{vertical-align:middle;text-align:center}table#mkpl-market-table.style-2 td:nth-child(2){vertical-align:middle}table#mkpl-market-table.style-2 td:last-child,table#mkpl-market-table.style-2 td:last-child p{font-size:10px;line-height:12.68px}table#mkpl-market-table.style-2 td:last-child p:last-child{margin-bottom:0}#mkpl-table-scroll.style-2 td li{color:#475569;font-size:12px}.mkpl-shortcode-instance p{font-size:14px!important;font-weight:400!important;line-height:22px!important;margin:0!important}table#mkpl-market-table.style-2 td:first-child img{margin-bottom:5px}table#mkpl-market-table.style-2 td:last-child p:first-child{margin-bottom:1rem}table#mkpl-market-table.style-2{table-layout:auto}#mkpl-table-container .style2 td:last-child{text-align:right}#mkpl-table-container .style2 a,#mkpl-table-container .style2 button{background:#4b9e8b;padding:8px 40px!important;font-size:16px;color:#fff!important;border-radius:4px;text-decoration:none}div#mkpl-table-scroll{border-top-left-radius:10px}div#mkpl-table-scroll.mkpl-border-radius,div#mkpl-table-scroll.scroll-style2{border-top-right-radius:10px}#mkpl-market-table td{vertical-align:initial;word-wrap:break-word}table#mkpl-market-table.style-2 td{padding:20px}.mkpl_table_edit_link{color:#395bb6!important;font-size:18px;line-height:28px}table#mkpl-market-table.style-2 td ul{margin-top:8px;margin-bottom:0}table#mkpl-market-table.style-2 td ul li{font-size:12px;font-weight:400;line-height:20px;letter-spacing:0;text-align:left}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-rating-container .mkpl-product-rating,table#mkpl-market-table.style-2 p{margin-top:0}table#mkpl-market-table.style-2 td span{font-size:12px;line-height:40px}table#mkpl-market-table.style-2 td a:hover{background:#3b5f57;transition:background-color .3s}#mkpl-table-container button#seeLessBtn:hover,#mkpl-table-container button#seeMoreBtn:hover{background:#fbfbfb;transition:background-color .3s;cursor:pointer}.mkpl-shortcode-instance.variation-1 #mkpl-market-table.style-1 tr:hover,.mkpl-shortcode-instance.variation-2 #mkpl-market-table.style-1 tr:hover{background-color:#f5f7ff!important}.mkpl-shortcode-instance.variation-1 #mkpl-market-table.style-2 tr:hover,.mkpl-shortcode-instance.variation-2 #mkpl-market-table.style-2 tr:hover{background:rgb(246 245 243 / 70%)}#mkpl-market-table thead tr:first-child:hover{background:0 0!important}.mkpl-table-title{font-weight:700!important;font-size:24px!important;line-height:31px!important;margin-bottom:25px!important}.simple-tables-preview_body{width:100%;margin:100px auto}.simple-tables-preview_body .mkpl-shortcode-instance .mkpl-product-cta-container a{width:unset!important;text-decoration:none!important}.simple-tables-preview_body .mkpl_table_edit_link{margin-top:30px}.simple_table_preview_footer{position:fixed;bottom:0;width:100%;background:#c7cdd4;padding:15px;z-index:9}#mkpl-table-main-container .simple_table_preview_footer_text{display:block;overflow:hidden;max-width:1000px;margin:0 auto;font-weight:700;font-size:16px;line-height:25px}#mkpl-table-main-container button#left-arrow.right-disable{top:0;border-top-right-radius:10px;right:1px}#mkpl-table-main-container .mkpl-table-caption{width:-webkit-calc(100% - 50px);width:-moz-calc(100% - 50px);width:calc(100% - 50px);background:#f8fafc;padding:12px 24px;border:1px solid #ededed;border-top:0;display:block;line-height:16px}#mkpl-table-main-container .mkpl-table-caption a{font-size:12px;line-height:16px}#mkpl-table-main-container .mkpl-table-caption span,.mkpl-mobile-table-containe .mkpl-table-caption span{font-size:12px;line-height:16px;margin-bottom:0;margin-top:0;color:#929a9b;font-weight:500}.max-w-1280px{width:100%!important}#mkpl-table-main-container #left-arrow img,#mkpl-table-main-container #right-arrow img{width:auto!important}div#mkpl-table-container .mkpl-error-table{position:absolute;background:rgba(0,0,0,.8);width:calc(100% - 50px);z-index:999;color:#f7f7f7;padding:4%;font-size:20px;text-align:center}@media screen and (max-width:768px){#mkpl-table-main-container .mkpl-table-caption,div#mkpl-table-container,div#mkpl-table-scroll{width:100%}#mkpl-table-scroll{white-space:nowrap}table#mkpl-market-table.style-1 td{white-space:normal;word-break:initial}#mkpl-market-table th:first-child,table#mkpl-market-table.style-2 td:first-child{min-width:200px;position:initial!important}.mkpl-shortcode-instance a.mkpl-btn-blue{white-space:normal;word-break:initial;display:block;padding:10px}}@media screen and (min-width:321px) and (max-device-width:912px){#mkpl-table-main-container .mkpl-table-caption,.mkpl-error-table,div#mkpl-table-scroll{width:100%;width:-webkit-calc(100% - 25px);width:-moz-calc(100% - 25px);width:calc(100% - 25px)}#mkpl-table-main-container button#left-arrow,#mkpl-table-main-container button#right-arrow{width:25px;height:47px}#mkpl-table-main-container button#left-arrow{top:47px}table#mkpl-market-table td{padding:8px}.mkpl-error-table{overflow:hidden;text-wrap:balance;font-size:14px}}@media screen and (max-width:1024px){table#mkpl-market-table.style-2 td a,table#mkpl-market-table.style-2 td button{display:block;padding:8px 10px}.mkpl-shortcode-instance a.mkpl-btn-blue{white-space:normal;word-break:initial;display:block;padding:10px;text-align:center}#mkpl-market-table td,#mkpl-market-table th{min-width:200px}#mkpl-table-main-container #mkpl-market-table th{padding:15px 8px}.mkpl-error-table{overflow:hidden;text-wrap:balance;font-size:14px}}@media screen and (min-width:1024px){table#mkpl-market-table.style-2 td:last-child{text-align:center;min-width:210px;width:210px}table#mkpl-market-table.style-2 td:first-child,table#mkpl-market-table.style-2 th:first-child{min-width:235px;width:250px}}@media only screen and (min-device-width:768px) and (max-device-width:1024px) and (orientation:portrait) and (-webkit-min-device-pixel-ratio:1){.mkpl-shortcode-instance a.mkpl-btn-blue{padding:8px}#mkpl-table-main-container .mkpl-table-caption,.mkpl-error-table,div#mkpl-table-scroll{width:100%;width:-webkit-calc(100% - 25px);width:-moz-calc(100% - 25px);width:calc(100% - 25px)}}@media only screen and (device-width:768px) and (device-height:1024px) and (orientation:landscape){#mkpl-market-table{table-layout:auto}div#mkpl-table-container{width:100%}div#mkpl-table-scroll{width:100%;overflow:auto}#mkpl-table-main-container button#left-arrow,#mkpl-table-main-container button#right-arrow{display:none!important}#mkpl-market-table th:first-child{position:initial}.mkpl-shortcode-instance a.mkpl-btn-blue{padding:8px}}.mkpl-shortcode-instance table#mkpl-market-table button.read-more-btn{font-weight:400}.mkpl-shortcode-instance.variation-2 tr.thead th{background:#4657a1!important;color:#fff!important;vertical-align:top!important}.mkpl-shortcode-instance.variation-2 td{padding:16px!important;vertical-align:top!important}.mkpl-shortcode-instance .mkpl-product-container{max-width:168px;text-align:center}.mkpl-shortcode-instance.variation-1 .mkpl-product-container,.mkpl-shortcode-instance.variation-2 .mkpl-product-container{max-width:120px}.mkpl-shortcode-instance.variation-4 .mkpl-product-container{max-width:140px}.mkpl-shortcode-instance .mkpl-product-container .mkpl-product-image-container{display:flex;justify-content:center;align-items:center;margin-bottom:4px}.mkpl-shortcode-instance.variation-1 .mkpl-product-container .mkpl-product-image-container,.mkpl-shortcode-instance.variation-2 .mkpl-product-container .mkpl-product-image-container{min-width:120px;max-width:120px;max-height:56px}.mkpl-shortcode-instance.mobile .mkpl-product-container .mkpl-product-image-container{margin-right:0}.mkpl-shortcode-instance .mkpl-product-image-container .mkpl-product-image{object-fit:contain;width:100%;max-height:84px}.mkpl-shortcode-instance.variation-1 .mkpl-product-image-container .mkpl-product-image,.mkpl-shortcode-instance.variation-2 .mkpl-product-image-container .mkpl-product-image{max-height:56px}.mkpl-shortcode-instance.variation-4 .mkpl-product-image-container .mkpl-product-image{max-height:70px}.mkpl-shortcode-instance .mkpl-product-container .mkpl-product-name,.mkpl-shortcode-instance .mkpl-product-container .mkpl-product-name a{font-size:14px;font-style:normal;font-weight:500;line-height:21px;color:#4657a1}.mkpl-shortcode-instance .mkpl-product-rating-container .mkpl-rating-stars img{width:12.115px;height:13.239px}.mkpl-shortcode-instance .mkpl-product-rating-container .mkpl-rating-vertical-logo{height:11px;width:auto}.mkpl-shortcode-instance .mkpl-product-rating-container .mkpl-product-rating{display:flex;margin-top:4px;align-items:center}.mkpl-shortcode-instance .mkpl-product-rating-container .mkpl-rating-stars{display:flex;gap:3.13px}.mkpl-shortcode-instance .mkpl-tooltip-trigger{cursor:pointer;position:relative}.mkpl-shortcode-instance .mkpl-product-rating-tooltip{cursor:pointer;margin-left:3.13px;width:10.957px;height:10.957px}.mkpl-shortcode-instance .mkpl-product-rating-tooltip img{width:10.957px;height:10.957px;display:block}.mkpl-shortcode-instance .mkpl-product-rating-container .mkpl-product-rating .mkpl-product-rating-txt{color:#334155;text-align:center;font-size:14px;font-style:normal;font-weight:600;line-height:normal}.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-product-cta-button img{width:20px;height:20px}.mkpl-shortcode-instance .mkpl-product-cta-container a.mkpl-product-cta-button{display:flex;padding:16px 8px;justify-content:center;align-items:center;gap:4px;border-radius:8px;background:#2c816a;text-decoration-color:#ffffff!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container a.mkpl-product-cta-button{padding:16px 8px!important;display:flex!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.advisor a.mkpl-product-cta-button.mkp-cta-type-white,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-cta-container a.mkp-cta-type-white{background-color:transparent!important;border:1px solid!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.advisor a.mkp-cta-type-white span,.mkpl-shortcode-instance.variation-2.advisor .mkpl-product-cta-container a.mkp-cta-type-white span{color:#007ac8!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.health a.mkpl-product-cta-button{background:#657e79!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.home a.mkpl-product-cta-button{background:#ea7f67!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.home a.mkp-cta-type-white,.mkpl-shortcode-instance.variation-4 .mkpl-product-cta-container a.mkp-cta-type-white{background:0 0!important;border:1px solid #ea7f67!important}.mkpl-shortcode-instance .mkpl-product-cta-container a.mkp-cta-type-white{background:0 0!important;border:1px solid #7a8ec7}.mkpl-shortcode-instance.default .mkpl-product-cta-container.home a.mkp-cta-type-white span,.mkpl-shortcode-instance.variation-4 .mkpl-product-cta-container a.mkp-cta-type-white span{color:#ea7f67!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.health a.mkp-cta-type-white{background:0 0!important;border:1px solid #657e79!important}.mkpl-shortcode-instance.default .mkpl-product-cta-container.health a.mkp-cta-type-white span,.mkpl-shortcode-instance.variation-3 .mkpl-product-cta-container a.mkp-cta-type-white span{color:#657e79!important}.mkpl-shortcode-instance .mkpl-product-cta-container a.mkp-cta-type-white span{color:#3453a7!important}.mkpl-shortcode-instance .mkpl-product-cta-container a.mkpl-product-cta-button:hover{text-decoration:none}.mkpl-shortcode-instance .mkpl-product-cta-container a.mkpl-product-cta-button span{color:#fcfcfc;text-align:center;font-size:16px;font-style:normal;font-weight:600;line-height:160%}.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext,.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext a,.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext b,.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext div,.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext p,.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext strong{color:#333!important;font-size:10px!important;font-style:normal!important;font-weight:400!important;line-height:12px!important;margin-top:8px!important;text-align:center!important;width:100%}.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext{display:block}.mkpl-shortcode-instance .mkpl-product-cta-container .mkpl-cta-subtext a{color:#4759b2!important}.mkpl-mobile-table-container .mkpl-table-caption{background:#f8fafc;padding:12px 24px;border-top:1px solid #ededed;display:block;line-height:16px;border-bottom-left-radius:8px;border-bottom-right-radius:8px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-table-inner-container,.mkpl-shortcode-instance.variation-4.mobile .mkpl-table-inner-container{border-radius:8px;border:1px solid #e5e5e5}.mkpl-shortcode-instance.variation-2.mobile .mkpl-mobile-table-scroll,.mkpl-shortcode-instance.variation-4.mobile .mkpl-mobile-table-scroll{display:flex;overflow:scroll}.mkpl-shortcode-instance.variation-2.mobile .mkpl-mobile-table-scroll .mkpl-single-row,.mkpl-shortcode-instance.variation-4.mobile .mkpl-mobile-table-scroll .mkpl-single-row{min-width:225px;max-width:225px;width:225px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-product-details{padding:24px 18px 35px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-product-container,.mkpl-shortcode-instance.variation-4.mobile .mkpl-product-container{margin:0 auto 12px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-product-image,.mkpl-shortcode-instance.variation-4.mobile .mkpl-product-image{height:auto;width:100%}.mkpl-shortcode-instance.variation-2.mobile .mkpl-product-name{font-weight:500;line-height:20px;margin-top:8px;text-align:center}.mkpl-shortcode-instance.variation-2.mobile .mkpl-product-rating-container{align-items:center;margin-bottom:8px;display:flex;flex-direction:column;align-items:center}.mkpl-shortcode-instance.variation-2.mobile .mkpl-product-cta-container a.mkpl-product-cta-button span,.mkpl-shortcode-instance.variation-4.mobile .mkpl-product-cta-container a.mkpl-product-cta-button span{font-size:14px;line-height:150%}.mkpl-shortcode-instance.variation-2.mobile .mkpl-mobile-table-scroll>.mkpl-single-row:not(:last-of-type),.mkpl-shortcode-instance.variation-4.mobile .mkpl-mobile-table-scroll>.mkpl-single-row:not(:last-of-type){border-right:1px solid #e5e5e5}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row>div:not(:last-of-type),.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row>div:not(:last-of-type){border-bottom:1px dashed #c7c7c7}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-single-column,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-single-column{padding:16px 19px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-name,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-name{color:#000;opacity:.6;font-size:12px;font-style:normal;font-weight:400;line-height:16px;margin-bottom:8px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value,.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value div,.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value p{color:#333;font-size:14px;font-style:normal;font-weight:500;line-height:24px;font-family:"Work Sans"}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row:nth-child(odd){background-color:#f7fbff}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row:first-of-type,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row:first-of-type{border-top-left-radius:8px;border-bottom-left-radius:8px}.mkpl-shortcode-instance.variation-2.mobile .mkpl-single-row:last-of-type,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row:last-of-type{border-top-right-radius:8px;border-bottom-right-radius:8px}.mkpl-shortcode-instance.variation-3 td,.mkpl-shortcode-instance.variation-4 td{vertical-align:middle!important}.mkpl-shortcode-instance.variation-3 tr.thead th{background:#657e79!important;color:#fff!important;vertical-align:top!important}.mkpl-shortcode-instance.variation-3 .mkpl-product-rating-container{align-items:end}.mkpl-shortcode-instance.variation-3 .mkpl-product-container .mkpl-product-name,.mkpl-shortcode-instance.variation-3 .mkpl-product-container .mkpl-product-name a{color:#1a5d42}.mkpl-shortcode-instance.variation-3 .mkpl-product-cta-container a.mkpl-product-cta-button{background:#657e79}.mkpl-shortcode-instance.variation-3 .mkpl-product-cta-container a.mkp-cta-type-white{background:0 0;border:1px solid #657e79}.mkpl-shortcode-instance.variation-3 .mkpl-product-cta-container a.mkpl-product-cta-button span{color:#fff;font-weight:600;line-height:24px}.mkpl-shortcode-instance.variation-3 .mkpl-product-cta-container .mkpl-cta-subtext{line-height:normal}.mkpl-shortcode-instance.variation-3 .mkpl-mobile-table-container .cell-content div,.mkpl-shortcode-instance.variation-3 .mkpl-mobile-table-container strong,.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables .cell-content div,.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables strong{color:#1e293b;font-size:14px;font-style:normal;font-weight:500;line-height:21px}.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables tr,.mkpl-shortcode-instance.variation-4 .mkpl-simple_tables tr:not(.thead){background:#fff}.mkpl-shortcode-instance.variation-3 .mkpl-simple_tables tr:not(:last-of-type),.mkpl-shortcode-instance.variation-4 .mkpl-simple_tables tr:not(:last-of-type){border-bottom:1px solid #e5e5e5!important}.mkpl-shortcode-instance.variation-3 button#seeLessBtn,.mkpl-shortcode-instance.variation-3 button#seeMoreBtn{border:2px solid #657e79!important;color:#657e79!important;background:#d1e5e1!important}.mkpl-shortcode-instance.variation-3 .mkpl-product-rating-container .mkpl-product-rating{margin-top:1.73px}.mkpl-shortcode-instance.variation-3.mobile .mkpl-single-row .mkpl-product-details{display:flex;flex-direction:column;gap:24px}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container{display:flex;gap:16px}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container .mkpl-product-image{width:125px;height:80px;display:flex;justify-content:center;align-items:center}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container .mkpl-product-image img{max-height:84px;object-fit:contain}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container .mkpl-product-name{display:flex;flex-direction:column;justify-content:center;gap:4px}.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container .mkpl-product-name .label,.mkpl-shortcode-instance.variation-3.mobile .mkpl-product-details-container .mkpl-product-name .label a{color:#1a5d42;font-size:18px;font-style:normal;font-weight:600;line-height:24px}.mkpl-shortcode-instance.variation-3.mobile .mkpl-single-row{padding-bottom:20px;margin-bottom:24px;border-bottom:1px solid #aaa}.mkpl-shortcode-instance.variation-3.mobile .mkpl-mobile-table-container li{margin-top:8px!important}.mkpl-shortcode-instance.variation-3.mobile .read-more-btn img{width:16px;height:16px}.mkpl-shortcode-instance.variation-3.mobile .read-more-btn{margin-top:24px;display:flex;justify-content:center;align-items:center;width:100%}.mkpl-shortcode-instance.variation-3.mobile .read-more-btn,.mkpl-shortcode-instance.variation-3.mobile .read-more-btn span{color:#4657a1;font-size:14px;font-style:normal;font-weight:500;line-height:16.8px;text-decoration-line:underline;background:0 0}.mkpl-shortcode-instance.variation-4 tr.thead,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row:nth-child(odd){background-color:#fdeae6}.mkpl-shortcode-instance.variation-4 tr.thead th{background-color:#fdeae6;color:#c9492c!important;vertical-align:top!important}.mkpl-shortcode-instance.variation-4 .mkpl-product-container .mkpl-product-name,.mkpl-shortcode-instance.variation-4 .mkpl-product-container .mkpl-product-name a{color:#ea7f67}.mkpl-shortcode-instance.variation-4 .mkpl-product-cta-container a.mkpl-product-cta-button{background:#ea7f67}.mkpl-shortcode-instance.variation-4 .mkpl-product-cta-container a.mkpl-product-cta-button span{color:#fcfcfc;font-weight:600;line-height:25.6px}.mkpl-shortcode-instance.variation-4 button#seeLessBtn,.mkpl-shortcode-instance.variation-4 button#seeMoreBtn{border:2px solid #ea7f67!important;color:#ea7f67!important;background:#fdeae6!important}.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-product-details{padding:28px 18px 22px}.mkpl-shortcode-instance.variation-4.mobile .mkpl-product-name{font-weight:600;line-height:20px;text-align:center}.mkpl-shortcode-instance.variation-4.mobile .mkpl-product-rating-container{margin-bottom:15px;display:flex;flex-direction:column;align-items:center}.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value div,.mkpl-shortcode-instance.variation-4.mobile .mkpl-single-row .mkpl-single-column .mkpl-col-value p{color:#333;font-size:16px!important;font-style:normal;font-weight:500!important;line-height:20px!important}.mkpl-shortcode-instance ol,.mkpl-shortcode-instance ul{margin:0!important;padding-left:20px!important;list-style:none}.mkpl-shortcode-instance .cell-content li:before{content:unset!important}.mkpl-shortcode-instance li{margin:0!important;padding:0!important;text-indent:0!important}.mkpl-shortcode-instance ol li{list-style:decimal!important}.mkpl-shortcode-instance ul li{list-style:disc!important}.mkpl-shortcode-instance a,.mkpl-shortcode-instance b,.mkpl-shortcode-instance div,.mkpl-shortcode-instance li,.mkpl-shortcode-instance p,.mkpl-shortcode-instance span,.mkpl-shortcode-instance strong{font-family:var(--primary_font_family);font-size:14px;font-style:normal;line-height:21px}.mkpl-shortcode-instance.variation-3 li{color:#475569}.mkpl-tooltip{background-color:#333;border-radius:10px;color:#fff;display:none;font-size:12px;font-weight:500;left:50%;line-height:20px;padding:10px 18px;position:absolute;text-align:center;top:45px;-webkit-transform:translateX(-50%);transform:translateX(-50%);transition:.35s;width:235px;z-index:999}.mkpl-tooltip::after{border-color:transparent transparent #333;border-style:solid;border-width:0 10px 10px;content:"";height:0;left:50%;position:absolute;top:-9.5px;-webkit-transform:translateX(-50%);transform:translateX(-50%);width:0;z-index:1}.mkpl-shortcode-instance.default #mkpl-table-scroll{overflow:hidden!important}</style>  <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PLP9KFC" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <div id="consent_blackbar"></div><div id="teconsent"></div><style>#teconsent a{display: flex; justify-content: center; background: linear-gradient(90deg,#fff,#f4f4f4); background-color: #fff; border: 1px solid #ccc; -webkit-border-radius: 5px; border-radius: 5px; bottom: 110px; cursor: pointer; left: -57px; opacity: .7; padding: 3px 2px; z-index: 9999;}</style><ra-author name="Taylor Tepper" role="Senior Writer, Banking and Investing" imageurl="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" url="https://www.forbes.com/advisor/author/tepper/"></ra-author><script type="application/ld+json"> { "@context":"https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "What is a financial advisor?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Financial advisors are personal finance experts who give you financial advice and manage your money. Some\u2014but not all\u2014are fiduciaries. A fiduciary acts only in your best financial interest.<\/p>\n<p>\u201cA financial advisor is like a coach,\u201d says Matt Chancey, a certified financial planner (CFP) at Dempsey Lord Smith in Tampa. \u201cIt helps to have someone keep you accountable to your goals and make sure that you aren\u2019t making any major missteps.\u201d<\/p>\n" } },{ "@type": "Question", "name": "What can a financial advisor do for you?", "acceptedAnswer": { "@type": "Answer", "text": "<p>A good financial investment advisor can evaluate your current situation and develop a comprehensive plan to guide you through your financial life.<\/p>\n" } },{ "@type": "Question", "name": "Who needs a financial advisor?", "acceptedAnswer": { "@type": "Answer", "text": "<p>People typically look to a financial advisor at life\u2019s turning points, such as when they start a family or inherit money. The goal is to find someone who will help you consider various financial goals, and craft a plan to help you achieve them.<\/p>\n" } },{ "@type": "Question", "name": "How much does a financial advisor cost?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Financial advisor fees can vary widely. This is due to there being different methods for a financial advisor to generate their income. Some advisors are fee-only. Other advisors are commission-based. Some advisors even work on a hybrid model between the two.<\/p>\n<p>It\u2019s recommended that you research how the individual advisor you\u2019re choosing generates their income before starting to work with them.<\/p>\n" } },{ "@type": "Question", "name": "When should I get a financial advisor?", "acceptedAnswer": { "@type": "Answer", "text": "<p>Financial advisors become most helpful when your financial life becomes complex. That might be when you get married, have children, get divorced, are managing many competing debts, come into an unexpected windfall or are navigating end-of-life financial decisions.<\/p>\n" } }] } </script><style>.tooltip-tippy{cursor:pointer}.tippy-box>.tippy-arrow:before{border:7px solid transparent;border-top-color:#fff;bottom:-22px;content:"";height:0;left:-5px;position:absolute;width:0}div.tippy-box{max-width:350px!important}.tippy-box[data-theme~=tippy-dark-theme],.tippy-box[data-theme~=tippy-fcc-dark-theme],.tippy-box[data-theme~=tippy-sem-cta-dark-theme],.tippy-box[data-theme~=tippy-wwus-theme]{background-color:#333;border-radius:8px;color:#fcf2ef;font-family:EuclidCircularB,sans-serif;font-size:14px;line-height:20px;padding:16px}.tippy-box[data-theme~=tippy-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box>.tippy-arrow:before{border-top-color:#333}.tippy-box[data-theme~=tippy-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-29px;left:-7px}.tippy-box[data-theme~=tippy-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:136px;left:-7px;transform:rotate(180deg)}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-28px}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow{top:0}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:215px;top:-13px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme]{max-width:184px!important;padding:8px 12px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-19px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:127px}@media screen and (min-width:768px){.tippy-box[data-theme~=tippy-sem-cta-dark-theme]{max-width:220px!important}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:108px}}.page-template .tippy-box[data-theme~=tippy-dark-theme],.page-template .tippy-box[data-theme~=tippy-fcc-dark-theme],.page-template .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.page-template .tippy-box[data-theme~=tippy-wwus-theme],.post-template .tippy-box[data-theme~=tippy-dark-theme],.post-template .tippy-box[data-theme~=tippy-fcc-dark-theme],.post-template .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.post-template .tippy-box[data-theme~=tippy-wwus-theme],.post-template-default .tippy-box[data-theme~=tippy-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-fcc-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-wwus-theme]{font-family:Georgia,serif}#cta-builder{margin:30px 0}@media (max-width:1024px){#cta-builder{margin:20px 0}}#cta-builder h2.cta-builder__title{border:none;color:#000;font-family:EuclidCircularB,sans-serif;font-size:30px;font-weight:700;line-height:40px;padding:0}@media (max-width:1024px){#cta-builder h2.cta-builder__title{font-size:24px}}#cta-builder p.cta-builder__desc{color:#000;font-family:Georgia,serif;font-size:16px;letter-spacing:normal;line-height:24px;margin:0;padding:0}#cta-builder p{margin:0}#cta-builder p:empty{display:none;margin:0}#cta-builder a.cta-builder__btn{align-items:center;background-color:#13b698;border-radius:4px;color:#fff;display:flex;font-family:EuclidCircularB,sans-serif;font-size:18px;justify-content:center;line-height:23px;max-width:262px;min-height:70px;padding:10px;text-align:center;text-decoration:none;transition:all .2s ease-in-out;width:100%;word-break:break-word}#cta-builder a.cta-builder__btn:hover{box-shadow:0 4px 4px 0 rgba(0,0,0,.25);text-decoration:none}#cta-builder a.cta-builder__btn br{display:none}@media screen and (-ms-high-contrast:active),screen and (-ms-high-contrast:none){#cta-builder a.cta-builder__btn{padding:23px 10px;word-break:break-all}}.cta-disclosure-wrapper{align-items:center;display:flex;justify-content:flex-end;padding:8px 14px 0 0}@media (min-width:1024px){.cta-disclosure-wrapper{padding-right:13px}}.cta-disclosure-text{color:#999;font-family:EuclidCircularB,sans-serif;font-size:14px;font-weight:400;line-height:20px;margin-right:6px;z-index:40}.cta-disclosure-icon-wrapper{cursor:pointer;z-index:40}.page-template #cta-builder .cta-builder__wrap a.cta-builder__btn,.post-template #cta-builder .cta-builder__wrap a.cta-builder__btn,.post-template-default #cta-builder .cta-builder__wrap a.cta-builder__btn{background:#007ac8;box-shadow:0 4px 12px rgba(0,0,0,.2);font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;line-height:30px}.page-template #cta-builder .cta-builder__wrap a.cta-builder__btn:hover,.post-template #cta-builder .cta-builder__wrap a.cta-builder__btn:hover,.post-template-default #cta-builder .cta-builder__wrap a.cta-builder__btn:hover{background:#0066a1;box-shadow:0 4px 12px rgba(0,0,0,.2)}.page-template #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn,.post-template #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn,.post-template-default #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn{font-family:Work Sans,sans-serif;font-size:18px;line-height:30px}.page-template #cta-builder.only-button a.cta-builder__btn,.post-template #cta-builder.only-button a.cta-builder__btn,.post-template-default #cta-builder.only-button a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.only-button a.cta-builder__btn:hover,.post-template #cta-builder.only-button a.cta-builder__btn:hover,.post-template-default #cta-builder.only-button a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.cta-builder-arrow a.cta-builder__btn,.post-template #cta-builder.cta-builder-arrow a.cta-builder__btn,.post-template-default #cta-builder.cta-builder-arrow a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.cta-builder-arrow a.cta-builder__btn:hover,.post-template #cta-builder.cta-builder-arrow a.cta-builder__btn:hover,.post-template-default #cta-builder.cta-builder-arrow a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder h2.cta-builder__title,.post-template #cta-builder h2.cta-builder__title,.post-template-default #cta-builder h2.cta-builder__title{color:#333;font-family:Work Sans,sans-serif}.page-template #cta-builder p.cta-builder__desc,.post-template #cta-builder p.cta-builder__desc,.post-template-default #cta-builder p.cta-builder__desc{color:#333}.page-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template-default #cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIzMyIgaGVpZ2h0PSI3OSIgZmlsbD0ibm9uZSI+PHBhdGggZD0iTTMzIDM5LjUuNzUgNzguMDM4Vi45NjJMMzMgMzkuNVoiIGZpbGw9IiMwMDdBQzgiLz48L3N2Zz4=") no-repeat left 30px top 30px}@media (max-width:1024px){.page-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template-default #cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDUiIGhlaWdodD0iNDMiIGZpbGw9Im5vbmUiPjxwYXRoIGQ9Ik01Mi41IDQzIC45NzEuMjVIMTA0LjAzTDUyLjUgNDNaIiBmaWxsPSIjMDA3QUM4Ii8+PC9zdmc+") no-repeat left 25px top}}.page-template #cta-builder.default.dark-mode .cta-builder__wrap,.post-template #cta-builder.default.dark-mode .cta-builder__wrap,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap{background:#003186}.page-template #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.page-template #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc,.post-template #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.post-template #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc{color:#fff}.page-template #cta-builder.default a.cta-builder__btn,.post-template #cta-builder.default a.cta-builder__btn,.post-template-default #cta-builder.default a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.default a.cta-builder__btn:hover,.post-template #cta-builder.default a.cta-builder__btn:hover,.post-template-default #cta-builder.default a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.centered.dark-mode .cta-builder__wrap,.post-template #cta-builder.centered.dark-mode .cta-builder__wrap,.post-template-default #cta-builder.centered.dark-mode .cta-builder__wrap{background:#003186}.page-template #cta-builder.centered a.cta-builder__btn,.post-template #cta-builder.centered a.cta-builder__btn,.post-template-default #cta-builder.centered a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.centered a.cta-builder__btn:hover,.post-template #cta-builder.centered a.cta-builder__btn:hover,.post-template-default #cta-builder.centered a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.with-logo .cta-builder__logo span,.post-template #cta-builder.with-logo .cta-builder__logo span,.post-template-default #cta-builder.with-logo .cta-builder__logo span{color:#333}.page-template #cta-builder.with-logo a.cta-builder__btn-v2,.post-template #cta-builder.with-logo a.cta-builder__btn-v2,.post-template-default #cta-builder.with-logo a.cta-builder__btn-v2{border:1px solid #007ac8}.page-template #cta-builder.with-logo a.cta-builder__btn-v2 span,.post-template #cta-builder.with-logo a.cta-builder__btn-v2 span,.post-template-default #cta-builder.with-logo a.cta-builder__btn-v2 span{background:url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMyIgaGVpZ2h0PSIxMiIgZmlsbD0ibm9uZSI+PHBhdGggZmlsbC1ydWxlPSJldmVub2RkIiBjbGlwLXJ1bGU9ImV2ZW5vZGQiIGQ9Ik02LjIxOS45NjlhLjc1Ljc1IDAgMCAxIDEuMDYyIDBsNC41IDQuNWEuNzUuNzUgMCAwIDEgMCAxLjA2MmwtNC41IDQuNWEuNzUxLjc1MSAwIDAgMS0xLjA2Mi0xLjA2MkwxMC4xODkgNiA2LjIyIDIuMDMxYS43NS43NSAwIDAgMSAwLTEuMDYyWiIgZmlsbD0iIzAwN0FDOCIvPjxwYXRoIGZpbGwtcnVsZT0iZXZlbm9kZCIgY2xpcC1ydWxlPSJldmVub2RkIiBkPSJNMCA2YS43NS43NSAwIDAgMSAuNzUtLjc1aDkuNzVhLjc1Ljc1IDAgMSAxIDAgMS41SC43NUEuNzUuNzUgMCAwIDEgMCA2WiIgZmlsbD0iIzAwN0FDOCIvPjwvc3ZnPg==") no-repeat;background-position:100%;color:#007ac8}.page-template #cta-builder.with-map a.cta-builder__btn,.post-template #cta-builder.with-map a.cta-builder__btn,.post-template-default #cta-builder.with-map a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.with-map a.cta-builder__btn:hover,.post-template #cta-builder.with-map a.cta-builder__btn:hover,.post-template-default #cta-builder.with-map a.cta-builder__btn:hover{background:#0066a1!important;box-shadow:0 4px 12px rgba(0,0,0,.2)}.page-template #cta-builder.background a.cta-builder__btn,.post-template #cta-builder.background a.cta-builder__btn,.post-template-default #cta-builder.background a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.background a.cta-builder__btn:hover,.post-template #cta-builder.background a.cta-builder__btn:hover,.post-template-default #cta-builder.background a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder a.cta-builder__btn,.post-template #cta-builder a.cta-builder__btn,.post-template-default #cta-builder a.cta-builder__btn{background:#007ac8!important;border-radius:8px;box-shadow:0 4px 12px 0 rgba(0,0,0,.2);font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;line-height:30px}.page-template #cta-builder a.cta-builder__btn:hover,.post-template #cta-builder a.cta-builder__btn:hover,.post-template-default #cta-builder a.cta-builder__btn:hover{background:#0066a1!important;box-shadow:0 4px 12px 0 rgba(0,0,0,.2)}.page-template .cta-disclosure-text,.post-template .cta-disclosure-text,.post-template-default .cta-disclosure-text{font-family:Work Sans,sans-serif}#cta-builder.default .cta-builder__wrap{align-items:center;background:#fff;border:1px solid #ddd;border-radius:16px;display:flex;padding:30px 35px}@media (max-width:1024px){#cta-builder.default .cta-builder__wrap{border-radius:0;display:block;padding:16px 40px 30px}}#cta-builder.default .cta-builder__wrap .left{padding-right:20px;width:calc(100% - 262px)}@media (max-width:1024px){#cta-builder.default .cta-builder__wrap .left{margin:0 0 22px;padding-right:0;width:100%}}#cta-builder.default .cta-builder__wrap .right{width:262px}@media (max-width:1024px){#cta-builder.default .cta-builder__wrap .right{width:100%}}#cta-builder.default .cta-builder__wrap h2.cta-builder__title{margin:0 0 9px}@media (max-width:1024px){#cta-builder.default .cta-builder__wrap h2.cta-builder__title{margin:0 0 6px}}#cta-builder.default .cta-builder__wrap p.cta-builder__desc{margin:0}@media (max-width:1024px){#cta-builder.default .cta-builder__wrap a.cta-builder__btn{margin:0 auto}}#cta-builder.default .with-cta-disclosure-icon{padding-top:36px;position:relative}@media (min-width:1024px){#cta-builder.default .with-cta-disclosure-icon{padding-top:30px}}#cta-builder.default .cta-disclosure-container{margin-bottom:8px;position:absolute;right:0;top:0}#cta-builder.default .cta-disclosure-container .cta-disclosure-wrapper{margin-bottom:0;padding:8px 8px 0 0}#cta-builder.default .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-icon-wrapper{cursor:pointer}#cta-builder.default.dark-mode .cta-builder__wrap{background:#4759b2;border:none;border-radius:0;box-shadow:0 6px 9px rgba(0,0,0,.06)}#cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,#cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc{color:#fff}#cta-builder.default.dark-mode .cta-builder__wrap .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-text{color:#c5cced}#cta-builder.default.dark-mode .cta-builder__wrap .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-icon-wrapper svg path{fill:#c5cced}#cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMzMiIGhlaWdodD0iNzkiIGZpbGw9Im5vbmUiIHhtbG5zPSJodHRwOi8vd3d3LnczLm9yZy8yMDAwL3N2ZyI+PHBhdGggZD0iTTMzIDM5LjUuNzUgNzguMDM4Vi45NjJMMzMgMzkuNVoiIGZpbGw9IiM0NzU5QjIiLz48L3N2Zz4=") no-repeat left 30px top 30px;border:1px solid #e7e7e7;box-shadow:0 6px 9px rgba(0,0,0,.06);padding:30px 26px 30px 82px}@media (max-width:1024px){#cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTA1IiBoZWlnaHQ9IjQzIiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik01Mi41IDQzIC45NzEuMjVIMTA0LjAzTDUyLjUgNDNaIiBmaWxsPSIjNDc1OUIyIi8+PC9zdmc+") no-repeat left 25px top;padding:68px 24px 34px}#cta-builder.default.cta-builder-arrow .cta-builder__wrap .left{margin:0 0 38px}}#cta-builder.default.cta-builder-arrow .cta-builder__wrap h2.cta-builder__title{color:#333;font-size:28px}#cta-builder.default.cta-builder-arrow .cta-builder__wrap p.cta-builder__desc{font-size:18px;font-style:italic}#sem-widget-focus .fs-article #cta-builder.default h2.cta-builder__title{font-size:30px;line-height:40px}@media (max-width:1024px){#sem-widget-focus .fs-article #cta-builder.default h2.cta-builder__title{font-size:24px}}#sem-widget-focus .fs-article #cta-builder.default p.cta-builder__desc{font-family:Georgia,serif;font-size:16px;letter-spacing:normal;line-height:24px}#sem-widget-focus .fs-article #cta-builder.default a.cta-builder__btn{font-family:EuclidCircularB,sans-serif;font-size:18px;letter-spacing:normal;line-height:23px;margin:0}@media (max-width:1024px){#sem-widget-focus .fs-article #cta-builder.default a.cta-builder__btn{margin:0 auto}} </style><script>!function(){var t,n={610:function(t,n,e){"use strict";var o=e(96),r=e.n(o);document.addEventListener("DOMContentLoaded",(()=>{const t=document.querySelectorAll(".cta-builder-button");0!==t.length&&t.forEach((t=>{if("true"===t.getAttribute("data-nofollow")){let n=t.getAttribute("rel"),e="nofollow";n=n?n.trim():null,"noopener"===n&&(e="noopener nofollow"),t.rel=e}}));const n=document.querySelector(".sticky-cta"),e=document.querySelector("footer"),o=document.querySelector(".mobile-sticky-ed-placeholder");let i,u=!0;if(o&&(i=o.children),n){window.addEventListener("scroll",r()(f,100)),n.style.setProperty("bottom","".concat(-(window.innerHeight+100),"px")),n.classList.add("sticky-block");const c=n.clientHeight;function f(){u&&(window.scrollY>0?(n.classList.add("show"),o&&0!==i.length?(n.style.setProperty("bottom","".concat(o.clientHeight,"px")),e.style.setProperty("padding-bottom",c+o.clientHeight+"px")):(n.style.setProperty("bottom",0),e.style.setProperty("padding-bottom",c+"px"))):(n.classList.remove("show"),e.style.setProperty("padding-bottom","inherit"),n.style.setProperty("bottom","".concat(-(window.innerHeight+100),"px"))))}document.querySelectorAll(".close-cta-button").forEach((t=>{t.addEventListener("click",(function(){n.classList.remove("show"),o&&0!==i.length?e.style.setProperty("padding-bottom","50px"):e.style.setProperty("padding-bottom","inherit"),n.style.setProperty("bottom","".concat(-(c+30),"px")),window.removeEventListener("scroll",f),u=!1}))}))}"function"==typeof tooltipInit&&tooltipInit("tooltip-tippy-cta-widget","tippy-dark-theme")}))},96:function(t,n,e){var o="Expected a function",r=NaN,i="[object Symbol]",u=/^\s+|\s+$/g,c=/^[-+]0x[0-9a-f]+$/i,f=/^0b[01]+$/i,l=/^0o[0-7]+$/i,a=parseInt,s="object"==typeof e.g&&e.g&&e.g.Object===Object&&e.g,d="object"==typeof self&&self&&self.Object===Object&&self,p=s||d||Function("return this")(),v=Object.prototype.toString,y=Math.max,b=Math.min,m=function(){return p.Date.now()};function g(t,n,e){var r,i,u,c,f,l,a=0,s=!1,d=!1,p=!0;if("function"!=typeof t)throw new TypeError(o);function v(n){var e=r,o=i;return r=i=void 0,a=n,c=t.apply(o,e)}function g(t){var e=t-l;return void 0===l||e>=n||e<0||d&&t-a>=u}function O(){var t=m();if(g(t))return x(t);f=setTimeout(O,function(t){var e=n-(t-l);return d?b(e,u-(t-a)):e}(t))}function x(t){return f=void 0,p&&r?v(t):(r=i=void 0,c)}function j(){var t=m(),e=g(t);if(r=arguments,i=this,l=t,e){if(void 0===f)return function(t){return a=t,f=setTimeout(O,n),s?v(t):c}(l);if(d)return f=setTimeout(O,n),v(l)}return void 0===f&&(f=setTimeout(O,n)),c}return n=w(n)||0,h(e)&&(s=!!e.leading,u=(d="maxWait"in e)?y(w(e.maxWait)||0,n):u,p="trailing"in e?!!e.trailing:p),j.cancel=function(){void 0!==f&&clearTimeout(f),a=0,r=l=i=f=void 0},j.flush=function(){return void 0===f?c:x(m())},j}function h(t){var n=typeof t;return!!t&&("object"==n||"function"==n)}function w(t){if("number"==typeof t)return t;if(function(t){return"symbol"==typeof t||function(t){return!!t&&"object"==typeof t}(t)&&v.call(t)==i}(t))return r;if(h(t)){var n="function"==typeof t.valueOf?t.valueOf():t;t=h(n)?n+"":n}if("string"!=typeof t)return 0===t?t:+t;t=t.replace(u,"");var e=f.test(t);return e||l.test(t)?a(t.slice(2),e?2:8):c.test(t)?r:+t}t.exports=function(t,n,e){var r=!0,i=!0;if("function"!=typeof t)throw new TypeError(o);return h(e)&&(r="leading"in e?!!e.leading:r,i="trailing"in e?!!e.trailing:i),g(t,n,{leading:r,maxWait:n,trailing:i})}},836:function(){},879:function(){},653:function(){},900:function(){},903:function(){},585:function(){},27:function(){}},e={};function o(t){var r=e[t];if(void 0!==r)return r.exports;var i=e[t]={exports:{}};return n[t](i,i.exports,o),i.exports}o.m=n,t=[],o.O=function(n,e,r,i){if(!e){var u=1/0;for(a=0;a<t.length;a++){e=t[a][0],r=t[a][1],i=t[a][2];for(var c=!0,f=0;f<e.length;f++)(!1&i||u>=i)&&Object.keys(o.O).every((function(t){return o.O[t](e[f])}))?e.splice(f--,1):(c=!1,i<u&&(u=i));if(c){t.splice(a--,1);var l=r();void 0!==l&&(n=l)}}return n}i=i||0;for(var a=t.length;a>0&&t[a-1][2]>i;a--)t[a]=t[a-1];t[a]=[e,r,i]},o.n=function(t){var n=t&&t.__esModule?function(){return t.default}:function(){return t};return o.d(n,{a:n}),n},o.d=function(t,n){for(var e in n)o.o(n,e)&&!o.o(t,e)&&Object.defineProperty(t,e,{enumerable:!0,get:n[e]})},o.g=function(){if("object"==typeof globalThis)return globalThis;try{return this||new Function("return this")()}catch(t){if("object"==typeof window)return window}}(),o.o=function(t,n){return Object.prototype.hasOwnProperty.call(t,n)},function(){var t={716:0,701:0,597:0,958:0,691:0,513:0,515:0,398:0};o.O.j=function(n){return 0===t[n]};var n=function(n,e){var r,i,u=e[0],c=e[1],f=e[2],l=0;if(u.some((function(n){return 0!==t[n]}))){for(r in c)o.o(c,r)&&(o.m[r]=c[r]);if(f)var a=f(o)}for(n&&n(e);l<u.length;l++)i=u[l],o.o(t,i)&&t[i]&&t[i][0](),t[i]=0;return o.O(a)},e=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];e.forEach(n.bind(null,0)),e.push=n.bind(null,e.push.bind(e))}(),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(610)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(653)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(900)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(903)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(585)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(27)})),o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(836)}));var r=o.O(void 0,[701,597,958,691,513,515,398],(function(){return o(879)}));r=o.O(r)}();</script><style>/*! normalize.css v8.0.1 | MIT License | github.com/necolas/normalize.css */html{-webkit-text-size-adjust:100%;line-height:1.15}body{margin:0}main{display:block}h1{font-size:2em;margin:.67em 0}hr{box-sizing:content-box;height:0;overflow:visible}pre{font-family:monospace,monospace;font-size:1em}a{background-color:transparent}b,strong{font-weight:bolder}code{font-family:monospace,monospace;font-size:1em}small{font-size:80%}sub{bottom:-.25em;font-size:75%;line-height:0;position:relative;vertical-align:baseline}img{border-style:none}button,input,select,textarea{font-family:inherit;font-size:100%;line-height:1.15;margin:0}button,input{overflow:visible}button,select{text-transform:none}[type=button],[type=reset],[type=submit],button{-webkit-appearance:button}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border-style:none;padding:0}[type=button]:-moz-focusring,[type=reset]:-moz-focusring,[type=submit]:-moz-focusring,button:-moz-focusring{outline:1px dotted ButtonText}fieldset{padding:.35em .75em .625em}legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}progress{vertical-align:baseline}textarea{overflow:auto}[type=checkbox],[type=radio]{box-sizing:border-box;padding:0}[type=number]::-webkit-inner-spin-button,[type=number]::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}[type=search]::-webkit-search-decoration{-webkit-appearance:none}details{display:block}summary{display:list-item}[hidden],template{display:none}blockquote,figure,h1,h2,h3,h4,h5,h6,hr,p,pre{margin:0}button{background-color:transparent;background-image:none}button:focus{outline:1px dotted;outline:5px auto -webkit-focus-ring-color}fieldset,ol,ul{margin:0;padding:0}ol,ul{list-style:none}html{font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji;line-height:1.5}*,:after,:before{border:0 solid #aaa;box-sizing:border-box}hr{border-top-width:1px}img{border-style:solid}textarea{resize:vertical}input::-moz-placeholder,textarea::-moz-placeholder{color:#a0aec0}input::placeholder,textarea::placeholder{color:#a0aec0}[role=button],button{cursor:pointer}table{border-collapse:collapse}h1,h2,h3,h4,h5,h6{font-size:inherit;font-weight:inherit}a{color:inherit;text-decoration:inherit}button,input,select,textarea{color:inherit;line-height:inherit;padding:0}code,pre{font-family:Menlo,Monaco,Consolas,Liberation Mono,Courier New,monospace}embed,iframe,img,object,svg{display:block;vertical-align:middle}img{height:auto;max-width:100%}.container{width:100%}@media (min-width:640px){.container{max-width:640px}}@media (min-width:768px){.container{max-width:768px}}@media (min-width:1024px){.container{max-width:1024px}}@media (min-width:1280px){.container{max-width:1280px}}.bg-blue{background-color:#4657a1}.bg-blue100{background-color:#f8fafc}.bg-blue800{background-color:#003186}.bg-blue900{background-color:#4759b2}.bg-white{background-color:#fff}.bg-3A5CB0{background-color:#3a5cb0}.bg-transparent{background-color:transparent}.bg-F5F7FF{background-color:#f5f7ff}.bg-F1F5F9{background-color:#f1f5f9}.bg-25A85E{background-color:#25a85e}.bg-FFFFFF{background-color:#fff}.bg-E9EEF5{background-color:#e9eef5}.bg-007AC8{background-color:#007ac8}.bg-F3F5FB{background-color:#f3f5fb}.bg-askTheExpert-activeTab{background-color:#e6eafa}.bg-gray-200{background-color:#dadada}.bg-gray-300{background-color:#aaa}.bg-gray-400{background-color:#777}.bg-gray-600{background-color:#f5f5f5}.bg-searchModal-300{background-color:#4657a1}.bg-searchModal-400{background-color:#24326e}.bg-searchPage-400{background-color:#35b782}.hover\:bg-0066A1:hover{background-color:#0066a1}.hover\:bg-searchPage-600:hover{background-color:#32a274}.bg-none{background-image:none}.bg-center{background-position:50%}.bg-right-top{background-position:100% 0}.bg-no-repeat{background-repeat:no-repeat}.bg-cover{background-size:cover}.bg-contain{background-size:contain}.border-collapse{border-collapse:collapse}.border-black{border-color:#000}.border-blue{border-color:#4657a1}.border-blue900{border-color:#4759b2}.border-white{border-color:#fff}.border-C7C7C7{border-color:#c7c7c7}.border-askTheExpert-accent{border-color:#44549c}.border-gray-200{border-color:#dadada}.border-gray-700{border-color:#d3d3d3}.border-searchModal-400{border-color:#24326e}.border-searchPage-200{border-color:#cbd5e1}.border-searchPage-300{border-color:#ddd}.rounded-sm{border-radius:.125rem}.rounded{border-radius:.25rem}.rounded-lg{border-radius:.5rem}.rounded-xl{border-radius:.75rem}.rounded-2xl{border-radius:1rem}.rounded-full{border-radius:9999px}.rounded-4px{border-radius:4px}.rounded-26px{border-radius:26px}.rounded-12px{border-radius:12px}.rounded-t-lg{border-top-left-radius:.5rem;border-top-right-radius:.5rem}.border-solid{border-style:solid}.border-none{border-style:none}.border-1{border-width:1px}.border-4{border-width:4px}.border{border-width:1px}.border-t-0{border-top-width:0}.border-b-1{border-bottom-width:1px}.border-t-2{border-top-width:2px}.border-r-2{border-right-width:2px}.border-b-2{border-bottom-width:2px}.border-b-3{border-bottom-width:3px}.border-t-4{border-top-width:4px}.border-b-4{border-bottom-width:4px}.border-t{border-top-width:1px}.border-b{border-bottom-width:1px}.box-content{box-sizing:content-box}.cursor-default{cursor:default}.cursor-pointer{cursor:pointer}.block{display:block}.inline-block{display:inline-block}.inline{display:inline}.flex{display:flex}.inline-flex{display:inline-flex}.table{display:table}.table-row{display:table-row}.hidden{display:none}.flex-row{flex-direction:row}.flex-col{flex-direction:column}.flex-col-reverse{flex-direction:column-reverse}.flex-wrap{flex-wrap:wrap}.items-start{align-items:flex-start}.items-end{align-items:flex-end}.items-center{align-items:center}.items-baseline{align-items:baseline}.content-start{align-content:flex-start}.self-start{align-self:flex-start}.self-end{align-self:flex-end}.justify-start{justify-content:flex-start}.justify-end{justify-content:flex-end}.justify-center{justify-content:center}.justify-between{justify-content:space-between}.flex-1{flex:1 1 0%}.flex-auto{flex:1 1 auto}.flex-none{flex:none}.flex-grow{flex-grow:1}.flex-shrink-0{flex-shrink:0}.flex-shrink{flex-shrink:1}.clearfix:after{clear:both;content:"";display:table}.font-merriweather{font-family:Merriweather,serif}.font-georgia{font-family:Georgia,serif}.font-work-sans{font-family:Work Sans,sans-serif}.font-euclidcircularb{font-family:EuclidCircularB,sans-serif}.font-schnyderS{font-family:SchnyderS,sans-serif}.font-Graphik{font-family:Graphik,sans-serif}.font-light{font-weight:300}.font-normal{font-weight:400}.font-medium{font-weight:500}.font-semibold{font-weight:600}.font-bold{font-weight:700}.h-0{height:0}.h-5{height:1.25rem}.h-6{height:1.5rem}.h-12{height:3rem}.h-24{height:6rem}.h-40{height:10rem}.h-full{height:100%}.h-screen{height:100vh}.h-11px{height:11px}.h-14px{height:14px}.h-16px{height:16px}.h-18px{height:18px}.h-27px{height:27px}.h-40px{height:40px}.h-45px{height:45px}.h-56px{height:56px}.h-70px{height:70px}.h-72px{height:72px}.h-75px{height:75px}.h-25px{height:25px}.h-195px{height:195px}.h-82px{height:82px}.text-xs{font-size:.75rem}.text-sm{font-size:.875rem}.text-base{font-size:1rem}.text-lg{font-size:1.125rem}.text-xl{font-size:1.25rem}.text-2xl{font-size:1.5rem}.text-3xl{font-size:1.875rem}.text-5xl{font-size:3rem}.text-6px{font-size:6px}.text-10px{font-size:10px}.text-11px{font-size:11px}.text-12px{font-size:12px}.text-14px{font-size:14px}.text-16px{font-size:16px}.text-18px{font-size:18px}.text-20px{font-size:20px}.text-22px{font-size:22px}.text-24px{font-size:24px}.text-25px{font-size:25px}.text-28px{font-size:28px}.text-30px{font-size:30px}.text-32px{font-size:32px}.text-35px{font-size:35px}.text-48px{font-size:48px}.leading-4{line-height:1rem}.leading-5{line-height:1.25rem}.leading-6{line-height:1.5rem}.leading-7{line-height:1.75rem}.leading-8{line-height:2rem}.leading-normal{line-height:1.5}.leading-relaxed{line-height:1.625}.leading-14px{line-height:14px}.leading-15px{line-height:15px}.leading-16px{line-height:16px}.leading-18px{line-height:18px}.leading-20px{line-height:20px}.leading-21px{line-height:21px}.leading-22px{line-height:22px}.leading-23px{line-height:23px}.leading-24px{line-height:24px}.leading-25px{line-height:25px}.leading-26px{line-height:26px}.leading-27px{line-height:27px}.leading-28px{line-height:28px}.leading-30px{line-height:30px}.leading-32px{line-height:32px}.leading-34px{line-height:34px}.leading-38px{line-height:38px}.leading-40px{line-height:40px}.leading-42px{line-height:42px}.leading-44px{line-height:44px}.leading-53px{line-height:53px}.list-inside{list-style-position:inside}.list-none{list-style-type:none}.m-0{margin:0}.my-0{margin-bottom:0;margin-top:0}.my-3{margin-bottom:.75rem;margin-top:.75rem}.mx-5{margin-left:1.25rem;margin-right:1.25rem}.my-6{margin-bottom:1.5rem;margin-top:1.5rem}.mx-auto{margin-left:auto;margin-right:auto}.-mx-4{margin-left:-1rem;margin-right:-1rem}.-mx-5{margin-left:-1.25rem;margin-right:-1.25rem}.my-6px{margin-bottom:6px;margin-top:6px}.mx-15px{margin-left:15px;margin-right:15px}.my-16px{margin-bottom:16px;margin-top:16px}.mx-16px{margin-left:16px;margin-right:16px}.my-20px{margin-bottom:20px;margin-top:20px}.my-24px{margin-bottom:24px;margin-top:24px}.mt-0{margin-top:0}.mr-0{margin-right:0}.mb-0{margin-bottom:0}.mt-1{margin-top:.25rem}.mr-1{margin-right:.25rem}.mb-1{margin-bottom:.25rem}.mt-2{margin-top:.5rem}.mr-2{margin-right:.5rem}.mb-2{margin-bottom:.5rem}.ml-2{margin-left:.5rem}.mr-3{margin-right:.75rem}.mb-3{margin-bottom:.75rem}.ml-3{margin-left:.75rem}.mt-4{margin-top:1rem}.mr-4{margin-right:1rem}.mb-4{margin-bottom:1rem}.mt-5{margin-top:1.25rem}.mr-5{margin-right:1.25rem}.mb-5{margin-bottom:1.25rem}.ml-5{margin-left:1.25rem}.mt-6{margin-top:1.5rem}.mb-6{margin-bottom:1.5rem}.mt-8{margin-top:2rem}.mb-8{margin-bottom:2rem}.mt-10{margin-top:2.5rem}.mb-10{margin-bottom:2.5rem}.ml-10{margin-left:2.5rem}.mr-12{margin-right:3rem}.mb-12{margin-bottom:3rem}.mt-20{margin-top:5rem}.mb-20{margin-bottom:5rem}.-mt-2{margin-top:-.5rem}.-mt-3{margin-top:-.75rem}.ml-0px{margin-left:0}.mr-4px{margin-right:4px}.mb-4px{margin-bottom:4px}.ml-5px{margin-left:5px}.mt-8px{margin-top:8px}.mr-8px{margin-right:8px}.mb-8px{margin-bottom:8px}.ml-8px{margin-left:8px}.mb-3px{margin-bottom:3px}.mt-6px{margin-top:6px}.mr-6px{margin-right:6px}.mb-6px{margin-bottom:6px}.ml-6px{margin-left:6px}.mt-10px{margin-top:10px}.mr-10px{margin-right:10px}.mb-10px{margin-bottom:10px}.mt-12px{margin-top:12px}.mr-12px{margin-right:12px}.mb-12px{margin-bottom:12px}.ml-12px{margin-left:12px}.mt-13px{margin-top:13px}.mt-14px{margin-top:14px}.mt-15px{margin-top:15px}.mb-15px{margin-bottom:15px}.mt-16px{margin-top:16px}.mr-16px{margin-right:16px}.mb-16px{margin-bottom:16px}.mr-18px{margin-right:18px}.mt-19px{margin-top:19px}.mb-19px{margin-bottom:19px}.mt-20px{margin-top:20px}.mr-20px{margin-right:20px}.mb-20px{margin-bottom:20px}.mb-22px{margin-bottom:22px}.mt-23px{margin-top:23px}.mt-24px{margin-top:24px}.mb-24px{margin-bottom:24px}.mt-25px{margin-top:25px}.mr-25px{margin-right:25px}.mb-26px{margin-bottom:26px}.mt-28px{margin-top:28px}.mb-28px{margin-bottom:28px}.mt-30px{margin-top:30px}.mb-30px{margin-bottom:30px}.ml-30px{margin-left:30px}.mb-32px{margin-bottom:32px}.mb-35px{margin-bottom:35px}.mb-36px{margin-bottom:36px}.mt-39px{margin-top:39px}.mb-38px{margin-bottom:38px}.mb-40px{margin-bottom:40px}.mt-44px{margin-top:44px}.mt-50px{margin-top:50px}.mr-50px{margin-right:50px}.mt-60px{margin-top:60px}.mb-60px{margin-bottom:60px}.ml-60px{margin-left:60px}.mt-m15px{margin-top:-15px}.last\:mr-0:last-child{margin-right:0}.max-h-full{max-height:100%}.max-w-xs{max-width:20rem}.max-w-full{max-width:100%}.max-w-screen-xl{max-width:1280px}.max-w-275px{max-width:275px}.max-w-730px{max-width:730px}.max-w-1080px{max-width:1080px}.max-w-1170px{max-width:1170px}.min-w-50px{min-width:50px}.focus\:outline-none:focus,.outline-none{outline:2px solid transparent;outline-offset:2px}.overflow-hidden{overflow:hidden}.overflow-x-auto{overflow-x:auto}.p-0{padding:0}.p-1{padding:.25rem}.p-2{padding:.5rem}.p-4{padding:1rem}.p-5{padding:1.25rem}.p-6{padding:1.5rem}.p-3px{padding:3px}.p-4px{padding:4px}.p-5px{padding:5px}.p-12px{padding:12px}.p-14px{padding:14px}.p-15px{padding:15px}.p-16px{padding:16px}.p-20px{padding:20px}.p-30px{padding:30px}.py-0{padding-bottom:0;padding-top:0}.px-0{padding-left:0;padding-right:0}.px-1{padding-left:.25rem;padding-right:.25rem}.px-2{padding-left:.5rem;padding-right:.5rem}.py-3{padding-bottom:.75rem;padding-top:.75rem}.px-3{padding-left:.75rem;padding-right:.75rem}.py-4{padding-bottom:1rem;padding-top:1rem}.px-4{padding-left:1rem;padding-right:1rem}.py-5{padding-bottom:1.25rem;padding-top:1.25rem}.px-5{padding-left:1.25rem;padding-right:1.25rem}.py-6{padding-bottom:1.5rem;padding-top:1.5rem}.py-8{padding-bottom:2rem;padding-top:2rem}.px-8{padding-left:2rem;padding-right:2rem}.px-10{padding-left:2.5rem;padding-right:2.5rem}.px-16{padding-left:4rem;padding-right:4rem}.px-20{padding-left:5rem;padding-right:5rem}.py-3px{padding-bottom:3px;padding-top:3px}.px-4px{padding-left:4px;padding-right:4px}.py-5px{padding-bottom:5px;padding-top:5px}.px-6px{padding-left:6px;padding-right:6px}.px-7px{padding-left:7px;padding-right:7px}.py-8px{padding-bottom:8px;padding-top:8px}.px-8px{padding-left:8px;padding-right:8px}.py-10px{padding-bottom:10px;padding-top:10px}.px-10px{padding-left:10px;padding-right:10px}.py-11px{padding-bottom:11px;padding-top:11px}.px-11px{padding-left:11px;padding-right:11px}.py-12px{padding-bottom:12px;padding-top:12px}.px-15px{padding-left:15px;padding-right:15px}.py-16px{padding-bottom:16px;padding-top:16px}.px-16px{padding-left:16px;padding-right:16px}.py-17px{padding-bottom:17px;padding-top:17px}.py-18px{padding-bottom:18px;padding-top:18px}.py-20px{padding-bottom:20px;padding-top:20px}.px-20px{padding-left:20px;padding-right:20px}.py-24px{padding-bottom:24px;padding-top:24px}.px-24px{padding-left:24px;padding-right:24px}.px-25px{padding-left:25px;padding-right:25px}.py-30px{padding-bottom:30px;padding-top:30px}.py-40px{padding-bottom:40px;padding-top:40px}.py-44px{padding-bottom:44px;padding-top:44px}.pt-0{padding-top:0}.pr-0{padding-right:0}.pl-0{padding-left:0}.pr-2{padding-right:.5rem}.pt-3{padding-top:.75rem}.pb-3{padding-bottom:.75rem}.pl-3{padding-left:.75rem}.pt-4{padding-top:1rem}.pb-4{padding-bottom:1rem}.pl-4{padding-left:1rem}.pt-5{padding-top:1.25rem}.pb-5{padding-bottom:1.25rem}.pl-5{padding-left:1.25rem}.pt-6{padding-top:1.5rem}.pr-6{padding-right:1.5rem}.pb-6{padding-bottom:1.5rem}.pt-8{padding-top:2rem}.pb-8{padding-bottom:2rem}.pt-12{padding-top:3rem}.pb-12{padding-bottom:3rem}.pb-16{padding-bottom:4rem}.pt-2px{padding-top:2px}.pb-2px{padding-bottom:2px}.pl-3px{padding-left:3px}.pt-4px{padding-top:4px}.pl-4px{padding-left:4px}.pt-5px{padding-top:5px}.pb-6px{padding-bottom:6px}.pl-6px{padding-left:6px}.pr-7px{padding-right:7px}.pt-8px{padding-top:8px}.pr-8px{padding-right:8px}.pl-8px{padding-left:8px}.pt-10px{padding-top:10px}.pr-10px{padding-right:10px}.pb-10px{padding-bottom:10px}.pl-10px{padding-left:10px}.pt-12px{padding-top:12px}.pb-12px{padding-bottom:12px}.pt-13px{padding-top:13px}.pb-14px{padding-bottom:14px}.pt-16px{padding-top:16px}.pr-16px{padding-right:16px}.pb-16px{padding-bottom:16px}.pr-17px{padding-right:17px}.pl-17px{padding-left:17px}.pt-20px{padding-top:20px}.pr-20px{padding-right:20px}.pb-20px{padding-bottom:20px}.pl-20px{padding-left:20px}.pb-24px{padding-bottom:24px}.pl-24px{padding-left:24px}.pr-25px{padding-right:25px}.pb-25px{padding-bottom:25px}.pl-25px{padding-left:25px}.pt-30px{padding-top:30px}.pb-30px{padding-bottom:30px}.pt-34px{padding-top:34px}.pb-34px{padding-bottom:34px}.pl-34px{padding-left:34px}.pb-40px{padding-bottom:40px}.pb-55px{padding-bottom:55px}.placeholder-searchModal-100::-moz-placeholder{color:#7083d4}.placeholder-searchModal-100::placeholder{color:#7083d4}.pointer-events-none{pointer-events:none}.static{position:static}.fixed{position:fixed}.absolute{position:absolute}.relative{position:relative}.top-0{top:0}.right-0{right:0}.bottom-0{bottom:0}.left-0{left:0}.resize{resize:both}.shadow-articleBtn{box-shadow:0 4px 12px rgba(0,0,0,.2)}.shadow-dropdownContent{box-shadow:0 2px 8px rgba(0,0,0,.12)}.shadow-askTheExpertBlock{box-shadow:0 4px 12px rgba(0,0,0,.25)}.fill-icon-share{fill:#959595}.fill-icon-close{fill:#fff}.group:hover .group-hover\:fill-icon-facebook{fill:#365899}.group:hover .group-hover\:fill-icon-twitter{fill:#1d9bf0}.group:hover .group-hover\:fill-icon-linkedin{fill:#0a66c2}.group:hover .group-hover\:fill-icon-email{fill:#ffc000}.text-left{text-align:left}.text-center{text-align:center}.text-right{text-align:right}.text-181716{color:#181716}.text-333333{color:#333}.text-334155{color:#334155}.text-828282{color:#828282}.text-primary{color:#2b58a2}.text-black{color:#000}.text-black900{color:#333}.text-blue{color:#4657a1}.text-blue900{color:#4759b2}.text-darkBlue{color:#0b1d73}.text-lightBlue{color:#ced4f2}.text-white{color:#fff}.text-neutral{color:#1e293b}.text-395BB6{color:#395bb6}.text-DF8C69{color:#df8c69}.text-515e5f{color:#515e5f}.text-64748B{color:#64748b}.text-F5F7FF{color:#f5f7ff}.text-FFFFFF{color:#fff}.text-44559C{color:#44559c}.text-007AC8{color:#007ac8}.text-gray-300{color:#aaa}.text-gray-400{color:#777}.text-gray-800{color:#999}.text-red-200{color:#ee6a6a}.text-searchModal-200{color:#edf0ff}.text-searchPage-100{color:#777}.text-searchPage-500{color:#030303}.italic{font-style:italic}.uppercase{text-transform:uppercase}.lowercase{text-transform:lowercase}.capitalize{text-transform:capitalize}.underline{text-decoration:underline}.line-through{text-decoration:line-through}.hover\:underline:hover{text-decoration:underline}.tracking-tight{letter-spacing:-.025em}.tracking-wide{letter-spacing:.025em}.tracking-widest{letter-spacing:.1em}.tracking-0\.1px{letter-spacing:.1px}.visible{visibility:visible}.whitespace-no-wrap{white-space:nowrap}.break-words{word-wrap:break-word;overflow-wrap:break-word}.break-all{word-break:break-all}.w-3{width:.75rem}.w-5{width:1.25rem}.w-6{width:1.5rem}.w-12{width:3rem}.w-40{width:10rem}.w-auto{width:auto}.w-1\/3{width:33.333333%}.w-full{width:100%}.w-10px{width:10px}.w-11px{width:11px}.w-13px{width:13px}.w-18px{width:18px}.w-40px{width:40px}.w-72px{width:72px}.w-92px{width:92px}.w-120px{width:120px}.w-300px{width:300px}.w-166px{width:166px}.w-240px{width:240px}.z-10{z-index:10}.z-50{z-index:50}.transition-all{transition-property:all}.transition{transition-property:background-color,border-color,color,fill,stroke,opacity,box-shadow,transform}.ease-out{transition-timing-function:cubic-bezier(0,0,.2,1)}.ease-in-out{transition-timing-function:cubic-bezier(.4,0,.2,1)}@keyframes spin{to{transform:rotate(1turn)}}@keyframes ping{75%,to{opacity:0;transform:scale(2)}}@keyframes pulse{50%{opacity:.5}}@keyframes bounce{0%,to{animation-timing-function:cubic-bezier(.8,0,1,1);transform:translateY(-25%)}50%{animation-timing-function:cubic-bezier(0,0,.2,1);transform:none}}@keyframes iconsSlide{0%{opacity:0;transform:translateX(-1000px)}to{opacity:1;transform:translateX(0)}}.tooltip-tippy{cursor:pointer}.tippy-box>.tippy-arrow:before{border:7px solid transparent;border-top-color:#fff;bottom:-22px;content:"";height:0;left:-5px;position:absolute;width:0}div.tippy-box{max-width:350px!important}.tippy-box[data-theme~=tippy-dark-theme],.tippy-box[data-theme~=tippy-fcc-dark-theme],.tippy-box[data-theme~=tippy-sem-cta-dark-theme],.tippy-box[data-theme~=tippy-wwus-theme]{background-color:#333;border-radius:8px;color:#fcf2ef;font-family:EuclidCircularB,sans-serif;font-size:14px;line-height:20px;padding:16px}.tippy-box[data-theme~=tippy-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box>.tippy-arrow:before{border-top-color:#333}.tippy-box[data-theme~=tippy-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-29px;left:-7px}.tippy-box[data-theme~=tippy-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-fcc-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before,.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:136px;left:-7px;transform:rotate(180deg)}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-28px}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow{top:0}.tippy-box[data-theme~=tippy-wwus-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:215px;top:-13px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme]{max-width:184px!important;padding:8px 12px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=top].tippy-box>.tippy-arrow:before{bottom:-19px}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:127px}@media screen and (min-width:768px){.tippy-box[data-theme~=tippy-sem-cta-dark-theme]{max-width:220px!important}.tippy-box[data-theme~=tippy-sem-cta-dark-theme].tippy-box[data-placement~=bottom].tippy-box>.tippy-arrow:before{bottom:108px}}.page-template .tippy-box[data-theme~=tippy-dark-theme],.page-template .tippy-box[data-theme~=tippy-fcc-dark-theme],.page-template .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.page-template .tippy-box[data-theme~=tippy-wwus-theme],.post-template .tippy-box[data-theme~=tippy-dark-theme],.post-template .tippy-box[data-theme~=tippy-fcc-dark-theme],.post-template .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.post-template .tippy-box[data-theme~=tippy-wwus-theme],.post-template-default .tippy-box[data-theme~=tippy-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-fcc-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-sem-cta-dark-theme],.post-template-default .tippy-box[data-theme~=tippy-wwus-theme]{font-family:Georgia,serif}#cta-builder{margin:30px 0}@media (max-width:1024px){#cta-builder{margin:20px 0}}#cta-builder h2.cta-builder__title{border:none;color:#000;font-family:EuclidCircularB,sans-serif;font-size:30px;font-weight:700;line-height:40px;padding:0}@media (max-width:1024px){#cta-builder h2.cta-builder__title{font-size:24px}}#cta-builder p.cta-builder__desc{color:#000;font-family:Georgia,serif;font-size:16px;letter-spacing:normal;line-height:24px;margin:0;padding:0}#cta-builder p{margin:0}#cta-builder p:empty{display:none;margin:0}#cta-builder a.cta-builder__btn{align-items:center;background-color:#13b698;border-radius:4px;color:#fff;display:flex;font-family:EuclidCircularB,sans-serif;font-size:18px;justify-content:center;line-height:23px;max-width:262px;min-height:70px;padding:10px;text-align:center;text-decoration:none;transition:all .2s ease-in-out;width:100%;word-break:break-word}#cta-builder a.cta-builder__btn:hover{box-shadow:0 4px 4px 0 rgba(0,0,0,.25);text-decoration:none}#cta-builder a.cta-builder__btn br{display:none}@media screen and (-ms-high-contrast:active),screen and (-ms-high-contrast:none){#cta-builder a.cta-builder__btn{padding:23px 10px;word-break:break-all}}.cta-disclosure-wrapper{align-items:center;display:flex;justify-content:flex-end;padding:8px 14px 0 0}@media (min-width:1024px){.cta-disclosure-wrapper{padding-right:13px}}.cta-disclosure-text{color:#999;font-family:EuclidCircularB,sans-serif;font-size:14px;font-weight:400;line-height:20px;margin-right:6px;z-index:40}.cta-disclosure-icon-wrapper{cursor:pointer;z-index:40}.page-template #cta-builder .cta-builder__wrap a.cta-builder__btn,.post-template #cta-builder .cta-builder__wrap a.cta-builder__btn,.post-template-default #cta-builder .cta-builder__wrap a.cta-builder__btn{background:#007ac8;box-shadow:0 4px 12px rgba(0,0,0,.2);font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;line-height:30px}.page-template #cta-builder .cta-builder__wrap a.cta-builder__btn:hover,.post-template #cta-builder .cta-builder__wrap a.cta-builder__btn:hover,.post-template-default #cta-builder .cta-builder__wrap a.cta-builder__btn:hover{background:#0066a1;box-shadow:0 4px 12px rgba(0,0,0,.2)}.page-template #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn,.post-template #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn,.post-template-default #cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn{font-family:Work Sans,sans-serif;font-size:18px;line-height:30px}.page-template #cta-builder.only-button a.cta-builder__btn,.post-template #cta-builder.only-button a.cta-builder__btn,.post-template-default #cta-builder.only-button a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.only-button a.cta-builder__btn:hover,.post-template #cta-builder.only-button a.cta-builder__btn:hover,.post-template-default #cta-builder.only-button a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.cta-builder-arrow a.cta-builder__btn,.post-template #cta-builder.cta-builder-arrow a.cta-builder__btn,.post-template-default #cta-builder.cta-builder-arrow a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.cta-builder-arrow a.cta-builder__btn:hover,.post-template #cta-builder.cta-builder-arrow a.cta-builder__btn:hover,.post-template-default #cta-builder.cta-builder-arrow a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder h2.cta-builder__title,.post-template #cta-builder h2.cta-builder__title,.post-template-default #cta-builder h2.cta-builder__title{color:#333;font-family:Work Sans,sans-serif}.page-template #cta-builder p.cta-builder__desc,.post-template #cta-builder p.cta-builder__desc,.post-template-default #cta-builder p.cta-builder__desc{color:#333}.page-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template-default #cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIzMyIgaGVpZ2h0PSI3OSIgZmlsbD0ibm9uZSI+PHBhdGggZD0iTTMzIDM5LjUuNzUgNzguMDM4Vi45NjJMMzMgMzkuNVoiIGZpbGw9IiMwMDdBQzgiLz48L3N2Zz4=") no-repeat left 30px top 30px}@media (max-width:1024px){.page-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template #cta-builder.default.cta-builder-arrow .cta-builder__wrap,.post-template-default #cta-builder.default.cta-builder-arrow .cta-builder__wrap{background:#fff url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxMDUiIGhlaWdodD0iNDMiIGZpbGw9Im5vbmUiPjxwYXRoIGQ9Ik01Mi41IDQzIC45NzEuMjVIMTA0LjAzTDUyLjUgNDNaIiBmaWxsPSIjMDA3QUM4Ii8+PC9zdmc+") no-repeat left 25px top}}.page-template #cta-builder.default.dark-mode .cta-builder__wrap,.post-template #cta-builder.default.dark-mode .cta-builder__wrap,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap{background:#003186}.page-template #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.page-template #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc,.post-template #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.post-template #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap h2.cta-builder__title,.post-template-default #cta-builder.default.dark-mode .cta-builder__wrap p.cta-builder__desc{color:#fff}.page-template #cta-builder.default a.cta-builder__btn,.post-template #cta-builder.default a.cta-builder__btn,.post-template-default #cta-builder.default a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.default a.cta-builder__btn:hover,.post-template #cta-builder.default a.cta-builder__btn:hover,.post-template-default #cta-builder.default a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.centered.dark-mode .cta-builder__wrap,.post-template #cta-builder.centered.dark-mode .cta-builder__wrap,.post-template-default #cta-builder.centered.dark-mode .cta-builder__wrap{background:#003186}.page-template #cta-builder.centered a.cta-builder__btn,.post-template #cta-builder.centered a.cta-builder__btn,.post-template-default #cta-builder.centered a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.centered a.cta-builder__btn:hover,.post-template #cta-builder.centered a.cta-builder__btn:hover,.post-template-default #cta-builder.centered a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder.with-logo .cta-builder__logo span,.post-template #cta-builder.with-logo .cta-builder__logo span,.post-template-default #cta-builder.with-logo .cta-builder__logo span{color:#333}.page-template #cta-builder.with-logo a.cta-builder__btn-v2,.post-template #cta-builder.with-logo a.cta-builder__btn-v2,.post-template-default #cta-builder.with-logo a.cta-builder__btn-v2{border:1px solid #007ac8}.page-template #cta-builder.with-logo a.cta-builder__btn-v2 span,.post-template #cta-builder.with-logo a.cta-builder__btn-v2 span,.post-template-default #cta-builder.with-logo a.cta-builder__btn-v2 span{background:url("data:image/svg+xml;base64,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") no-repeat;background-position:100%;color:#007ac8}.page-template #cta-builder.with-map a.cta-builder__btn,.post-template #cta-builder.with-map a.cta-builder__btn,.post-template-default #cta-builder.with-map a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.with-map a.cta-builder__btn:hover,.post-template #cta-builder.with-map a.cta-builder__btn:hover,.post-template-default #cta-builder.with-map a.cta-builder__btn:hover{background:#0066a1!important;box-shadow:0 4px 12px rgba(0,0,0,.2)}.page-template #cta-builder.background a.cta-builder__btn,.post-template #cta-builder.background a.cta-builder__btn,.post-template-default #cta-builder.background a.cta-builder__btn{background:#007ac8!important}.page-template #cta-builder.background a.cta-builder__btn:hover,.post-template #cta-builder.background a.cta-builder__btn:hover,.post-template-default #cta-builder.background a.cta-builder__btn:hover{background:#0066a1!important}.page-template #cta-builder a.cta-builder__btn,.post-template #cta-builder a.cta-builder__btn,.post-template-default #cta-builder a.cta-builder__btn{background:#007ac8!important;border-radius:8px;box-shadow:0 4px 12px 0 rgba(0,0,0,.2);font-family:Work Sans,sans-serif;font-size:18px;font-weight:600;line-height:30px}.page-template #cta-builder a.cta-builder__btn:hover,.post-template #cta-builder a.cta-builder__btn:hover,.post-template-default #cta-builder a.cta-builder__btn:hover{background:#0066a1!important;box-shadow:0 4px 12px 0 rgba(0,0,0,.2)}.page-template .cta-disclosure-text,.post-template .cta-disclosure-text,.post-template-default .cta-disclosure-text{font-family:Work Sans,sans-serif}#cta-builder.sticky-cta{box-shadow:0 -13px 32px rgba(24,28,71,.1);display:none;margin:0;transition:bottom .3s;z-index:1600}@media (min-width:1024px){#cta-builder.sticky-cta{padding-top:18px}}#cta-builder.sticky-cta.show{bottom:0}#cta-builder.sticky-cta.sticky-block{display:block}#cta-builder.sticky-cta .cta-builder__wrap{padding-left:20px;padding-right:20px}#cta-builder.sticky-cta .cta-builder__wrap .sticky-cta-heading-text{border-style:none;color:#333;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:700;line-height:24px;margin:0;padding:0;text-align:center;word-break:break-word}@media (min-width:1024px){#cta-builder.sticky-cta .cta-builder__wrap .sticky-cta-heading-text{color:#1e293b;font-size:24px;line-height:32px;text-align:left}}#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text{font-size:14px;font-weight:400;line-height:24px;margin-bottom:10px;margin-top:10px;text-align:center;word-break:break-word}#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text a{text-decoration:underline}#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text a,#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text p{color:inherit;font-family:inherit;font-size:inherit;font-weight:inherit;line-height:inherit}@media (min-width:1024px){#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text{color:#1e293b;font-size:16px;margin-bottom:0;margin-top:4px;text-align:left}#cta-builder.sticky-cta .cta-builder__wrap .cta-sub-heading-text a{color:inherit;font-family:inherit;font-size:inherit;font-weight:inherit;line-height:inherit}}#cta-builder.sticky-cta .cta-builder__wrap .right{text-align:center}#cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn{border-radius:8px;cursor:pointer;font-family:EuclidCircularB,sans-serif;font-size:18px;font-weight:600;line-height:24px;max-width:100%;min-height:40px;width:100%}@media (min-width:1024px){#cta-builder.sticky-cta .cta-builder__wrap .right a.cta-builder__btn{font-size:19px;min-height:64px;min-width:265px}}#cta-builder.sticky-cta .cta-builder__wrap .right .below-cta-text{color:#333;font-family:EuclidCircularB,sans-serif;font-size:10px;line-height:30px;word-break:break-word}#cta-builder.sticky-cta .cta-builder__wrap .right .below-cta-text a{color:inherit;font-family:inherit;font-size:inherit;font-weight:inherit;font-weight:700;line-height:inherit;text-decoration:underline}#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container{padding-bottom:7px}@media (min-width:1024px){#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container{padding-bottom:6px}}#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container .cta-disclosure-wrapper{justify-content:center;padding:0}#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-text{font-size:12px;line-height:16px}@media (min-width:1024px){#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-text{font-size:14px;line-height:20px}}#cta-builder.sticky-cta .cta-builder__wrap .right .cta-disclosure-container .cta-disclosure-wrapper .cta-disclosure-icon-wrapper{cursor:pointer}#cta-builder.sticky-cta .close-cta-button{cursor:pointer;position:absolute;right:20px;top:-12px}@media (min-width:1024px){#cta-builder.sticky-cta .close-cta-button{right:30px;top:-15px}}#cta-builder.sticky-cta.dark-mode{background:#4657a1}#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .cta-sub-heading-text,#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .left p,#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right .cta-builder__btn,#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right p{color:#fff}#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right .cta-disclosure-container{padding-bottom:7px}@media (min-width:1024px){#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right .cta-disclosure-container{padding-bottom:6px}}#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right .cta-disclosure-wrapper .cta-disclosure-text{color:#c5cced}#cta-builder.sticky-cta.dark-mode .cta-builder__wrap .right .cta-disclosure-wrapper .cta-disclosure-icon-wrapper svg path{fill:#c5cced}#cta-builder.sticky-cta.dark-mode .edit-button-wrapper{margin:2px 0}#cta-builder.sticky-cta.dark-mode .edit-button-wrapper a{color:#fff}@media (min-width:640px){.sm\:bg-blue800{background-color:#003186}.sm\:border-b-0{border-bottom-width:0}.sm\:block{display:block}.sm\:flex{display:flex}.sm\:hidden{display:none}.sm\:flex-row{flex-direction:row}.sm\:flex-col{flex-direction:column}.sm\:justify-center{justify-content:center}.sm\:order-1{order:1}.sm\:h-250px{height:250px}.sm\:m-0{margin:0}.sm\:mx-0{margin-left:0}.sm\:mr-0,.sm\:mx-0{margin-right:0}.sm\:mb-0{margin-bottom:0}.sm\:mb-5{margin-bottom:1.25rem}.sm\:-mt-5{margin-top:-1.25rem}.sm\:mb-13px{margin-bottom:13px}.sm\:mb-30px{margin-bottom:30px}.sm\:max-w-1\/3{max-width:33.33%}.sm\:px-15px{padding-left:15px;padding-right:15px}.sm\:pt-0{padding-top:0}.sm\:pt-4{padding-top:1rem}.sm\:pt-5{padding-top:1.25rem}.sm\:pt-6{padding-top:1.5rem}.sm\:pb-6{padding-bottom:1.5rem}.sm\:pb-30px{padding-bottom:30px}.sm\:text-left{text-align:left}.sm\:text-center{text-align:center}.sm\:w-1\/2{width:50%}.sm\:w-3\/4{width:75%}.sm\:w-2\/6{width:33.333333%}}@media (min-width:768px){.md\:rounded-none{border-radius:0}.md\:rounded-xl{border-radius:.75rem}.md\:border-t-0{border-top-width:0}.md\:border-r-0{border-right-width:0}.md\:border-l-0{border-left-width:0}.md\:border-b-1{border-bottom-width:1px}.md\:border-b-2{border-bottom-width:2px}.md\:block{display:block}.md\:flex{display:flex}.md\:hidden{display:none}.md\:flex-row{flex-direction:row}.md\:flex-row-reverse{flex-direction:row-reverse}.md\:flex-col{flex-direction:column}.md\:flex-wrap{flex-wrap:wrap}.md\:flex-no-wrap{flex-wrap:nowrap}.md\:items-start{align-items:flex-start}.md\:items-center{align-items:center}.md\:justify-center{justify-content:center}.md\:justify-between{justify-content:space-between}.md\:flex-1{flex:1 1 0%}.md\:flex-none{flex:none}.md\:font-normal{font-weight:400}.md\:h-1{height:.25rem}.md\:h-42px{height:42px}.md\:h-138px{height:138px}.md\:text-sm{font-size:.875rem}.md\:text-base{font-size:1rem}.md\:text-lg{font-size:1.125rem}.md\:text-xl{font-size:1.25rem}.md\:text-2xl{font-size:1.5rem}.md\:text-3xl{font-size:1.875rem}.md\:text-18px{font-size:18px}.md\:text-20px{font-size:20px}.md\:text-22px{font-size:22px}.md\:text-24px{font-size:24px}.md\:text-25px{font-size:25px}.md\:text-32px{font-size:32px}.md\:text-48px{font-size:48px}.md\:leading-6{line-height:1.5rem}.md\:leading-7{line-height:1.75rem}.md\:leading-8{line-height:2rem}.md\:leading-10{line-height:2.5rem}.md\:leading-23px{line-height:23px}.md\:leading-25px{line-height:25px}.md\:leading-27px{line-height:27px}.md\:leading-30px{line-height:30px}.md\:leading-34px{line-height:34px}.md\:leading-60px{line-height:60px}.md\:m-0{margin:0}.md\:m-auto{margin:auto}.md\:mx-0{margin-left:0;margin-right:0}.md\:mx-auto{margin-left:auto;margin-right:auto}.md\:my-42px{margin-bottom:42px;margin-top:42px}.md\:mt-0{margin-top:0}.md\:mr-0{margin-right:0}.md\:mb-0{margin-bottom:0}.md\:ml-0{margin-left:0}.md\:mt-1{margin-top:.25rem}.md\:mt-2{margin-top:.5rem}.md\:mt-4{margin-top:1rem}.md\:mb-4{margin-bottom:1rem}.md\:mb-5{margin-bottom:1.25rem}.md\:mt-6{margin-top:1.5rem}.md\:mr-6{margin-right:1.5rem}.md\:mb-10{margin-bottom:2.5rem}.md\:mt-40{margin-top:10rem}.md\:mb-0px{margin-bottom:0}.md\:mb-2px{margin-bottom:2px}.md\:mt-6px{margin-top:6px}.md\:mb-10px{margin-bottom:10px}.md\:mb-14px{margin-bottom:14px}.md\:mb-16px{margin-bottom:16px}.md\:mb-20px{margin-bottom:20px}.md\:mt-23px{margin-top:23px}.md\:mt-28px{margin-top:28px}.md\:mt-30px{margin-top:30px}.md\:mb-30px{margin-bottom:30px}.md\:ml-30px{margin-left:30px}.md\:mb-35px{margin-bottom:35px}.md\:mt-38px{margin-top:38px}.md\:mb-60px{margin-bottom:60px}.md\:mb-70px{margin-bottom:70px}.md\:mt-200px{margin-top:200px}.md\:max-w-255px{max-width:255px}.md\:max-w-960px{max-width:960px}.md\:max-w-970px{max-width:970px}.md\:max-w-1320px{max-width:1320px}.md\:p-0{padding:0}.md\:py-6{padding-bottom:1.5rem;padding-top:1.5rem}.md\:px-0px{padding-left:0;padding-right:0}.md\:px-8px{padding-left:8px;padding-right:8px}.md\:py-10px{padding-bottom:10px;padding-top:10px}.md\:py-13px{padding-bottom:13px;padding-top:13px}.md\:py-16px{padding-bottom:16px;padding-top:16px}.md\:px-20px{padding-left:20px;padding-right:20px}.md\:py-22px{padding-bottom:22px;padding-top:22px}.md\:py-25px{padding-bottom:25px;padding-top:25px}.md\:py-30px{padding-bottom:30px;padding-top:30px}.md\:px-30px{padding-left:30px;padding-right:30px}.md\:px-34px{padding-left:34px;padding-right:34px}.md\:px-40px{padding-left:40px;padding-right:40px}.md\:py-50px{padding-bottom:50px;padding-top:50px}.md\:pt-0{padding-top:0}.md\:pb-0{padding-bottom:0}.md\:pr-4{padding-right:1rem}.md\:pb-4{padding-bottom:1rem}.md\:pr-5{padding-right:1.25rem}.md\:pl-5{padding-left:1.25rem}.md\:pt-6{padding-top:1.5rem}.md\:pb-6{padding-bottom:1.5rem}.md\:pr-8{padding-right:2rem}.md\:pb-8{padding-bottom:2rem}.md\:pb-0px{padding-bottom:0}.md\:pl-0px{padding-left:0}.md\:pl-8px{padding-left:8px}.md\:pt-10px{padding-top:10px}.md\:pb-12px{padding-bottom:12px}.md\:pb-13px{padding-bottom:13px}.md\:pb-15px{padding-bottom:15px}.md\:pt-16px{padding-top:16px}.md\:pt-20px{padding-top:20px}.md\:pb-20px{padding-bottom:20px}.md\:pt-23px{padding-top:23px}.md\:pb-23px{padding-bottom:23px}.md\:pt-24px{padding-top:24px}.md\:pt-30px{padding-top:30px}.md\:pb-30px{padding-bottom:30px}.md\:pl-30px{padding-left:30px}.md\:pt-32px{padding-top:32px}.md\:pt-40px{padding-top:40px}.md\:pr-40px{padding-right:40px}.md\:pb-40px{padding-bottom:40px}.md\:pt-48px{padding-top:48px}.md\:pl-50px{padding-left:50px}.md\:absolute{position:absolute}.md\:right-0{right:0}.md\:text-left{text-align:left}.md\:text-center{text-align:center}.md\:text-777777{color:#777}.md\:w-auto{width:auto}.md\:w-1\/3{width:33.333333%}.md\:w-1\/4{width:25%}.md\:w-2\/5{width:40%}.md\:w-3\/5{width:60%}.md\:w-3\/6,.md\:w-6\/12{width:50%}.md\:w-full{width:100%}.md\:w-54px{width:54px}.md\:w-225px{width:225px}.md\:w-300px{width:300px}.md\:w-283px{width:283px}.md\:w-287px{width:287px}}@media (min-width:1024px){.lg\:bg-white{background-color:#fff}.lg\:bg-fcfcfc{background-color:#fcfcfc}.lg\:rounded-none{border-radius:0}.lg\:block{display:block}.lg\:inline-block{display:inline-block}.lg\:flex{display:flex}.lg\:inline-flex{display:inline-flex}.lg\:hidden{display:none}.lg\:flex-row{flex-direction:row}.lg\:flex-col{flex-direction:column}.lg\:flex-wrap{flex-wrap:wrap}.lg\:flex-no-wrap{flex-wrap:nowrap}.lg\:items-start{align-items:flex-start}.lg\:items-center{align-items:center}.lg\:self-center{align-self:center}.lg\:justify-start{justify-content:flex-start}.lg\:justify-center{justify-content:center}.lg\:justify-between{justify-content:space-between}.lg\:flex-1{flex:1 1 0%}.lg\:order-1{order:1}.lg\:font-euclidcircularb{font-family:EuclidCircularB,sans-serif}.lg\:font-semibold{font-weight:600}.lg\:font-bold{font-weight:700}.lg\:h-254px{height:254px}.lg\:h-82px{height:82px}.lg\:text-xs{font-size:.75rem}.lg\:text-sm{font-size:.875rem}.lg\:text-base{font-size:1rem}.lg\:text-lg{font-size:1.125rem}.lg\:text-xl{font-size:1.25rem}.lg\:text-2xl{font-size:1.5rem}.lg\:text-5xl{font-size:3rem}.lg\:text-11px{font-size:11px}.lg\:text-14px{font-size:14px}.lg\:text-18px{font-size:18px}.lg\:text-20px{font-size:20px}.lg\:text-21px{font-size:21px}.lg\:text-22px{font-size:22px}.lg\:text-24px{font-size:24px}.lg\:text-25px{font-size:25px}.lg\:text-28px{font-size:28px}.lg\:text-30px{font-size:30px}.lg\:text-32px{font-size:32px}.lg\:text-40px{font-size:40px}.lg\:text-48px{font-size:48px}.lg\:text-55px{font-size:55px}.lg\:leading-5{line-height:1.25rem}.lg\:leading-6{line-height:1.5rem}.lg\:leading-7{line-height:1.75rem}.lg\:leading-10{line-height:2.5rem}.lg\:leading-16px{line-height:16px}.lg\:leading-18px{line-height:18px}.lg\:leading-20px{line-height:20px}.lg\:leading-22px{line-height:22px}.lg\:leading-24px{line-height:24px}.lg\:leading-28px{line-height:28px}.lg\:leading-30px{line-height:30px}.lg\:leading-40px{line-height:40px}.lg\:leading-42px{line-height:42px}.lg\:leading-44px{line-height:44px}.lg\:leading-45px{line-height:45px}.lg\:leading-46px{line-height:46px}.lg\:leading-54px{line-height:54px}.lg\:leading-55px{line-height:55px}.lg\:leading-59px{line-height:59px}.lg\:leading-70px{line-height:70px}.lg\:m-0{margin:0}.lg\:mx-0{margin-left:0;margin-right:0}.lg\:my-24px{margin-bottom:24px;margin-top:24px}.lg\:my-42px{margin-bottom:42px;margin-top:42px}.lg\:mt-0{margin-top:0}.lg\:mr-0{margin-right:0}.lg\:mb-0{margin-bottom:0}.lg\:ml-0{margin-left:0}.lg\:mb-2{margin-bottom:.5rem}.lg\:mt-3{margin-top:.75rem}.lg\:mr-3{margin-right:.75rem}.lg\:mb-3{margin-bottom:.75rem}.lg\:mb-4{margin-bottom:1rem}.lg\:mb-5{margin-bottom:1.25rem}.lg\:ml-5{margin-left:1.25rem}.lg\:mb-6{margin-bottom:1.5rem}.lg\:mb-8{margin-bottom:2rem}.lg\:mb-12{margin-bottom:3rem}.lg\:mr-20{margin-right:5rem}.lg\:-mt-6{margin-top:-1.5rem}.lg\:mt-0px{margin-top:0}.lg\:mb-0px{margin-bottom:0}.lg\:mb-2px{margin-bottom:2px}.lg\:mr-4px{margin-right:4px}.lg\:mb-4px{margin-bottom:4px}.lg\:mr-8px{margin-right:8px}.lg\:mb-10px{margin-bottom:10px}.lg\:mr-12px{margin-right:12px}.lg\:mb-12px{margin-bottom:12px}.lg\:mt-14px{margin-top:14px}.lg\:mb-14px{margin-bottom:14px}.lg\:mb-15px{margin-bottom:15px}.lg\:mr-16px{margin-right:16px}.lg\:mb-18px{margin-bottom:18px}.lg\:mr-20px{margin-right:20px}.lg\:mb-20px{margin-bottom:20px}.lg\:ml-23px{margin-left:23px}.lg\:mb-24px{margin-bottom:24px}.lg\:mt-25px{margin-top:25px}.lg\:mr-25px{margin-right:25px}.lg\:mb-25px{margin-bottom:25px}.lg\:mr-30px{margin-right:30px}.lg\:mb-30px{margin-bottom:30px}.lg\:mb-32px{margin-bottom:32px}.lg\:mt-36px{margin-top:36px}.lg\:mr-40px{margin-right:40px}.lg\:mb-40px{margin-bottom:40px}.lg\:mr-50px{margin-right:50px}.lg\:mb-50px{margin-bottom:50px}.lg\:mr-60px{margin-right:60px}.lg\:mb-60px{margin-bottom:60px}.lg\:ml-70px{margin-left:70px}.lg\:last\:mb-0:last-child{margin-bottom:0}.lg\:max-w-30rem{max-width:30rem}.lg\:max-w-960px{max-width:960px}.lg\:max-w-320px{max-width:320px}.lg\:p-0{padding:0}.lg\:p-10px{padding:10px}.lg\:p-16px{padding:16px}.lg\:p-40px{padding:40px}.lg\:py-0{padding-bottom:0;padding-top:0}.lg\:px-0{padding-left:0;padding-right:0}.lg\:py-1{padding-bottom:.25rem;padding-top:.25rem}.lg\:px-6{padding-left:1.5rem;padding-right:1.5rem}.lg\:py-8{padding-bottom:2rem;padding-top:2rem}.lg\:px-8{padding-left:2rem;padding-right:2rem}.lg\:py-10{padding-bottom:2.5rem;padding-top:2.5rem}.lg\:px-10{padding-left:2.5rem;padding-right:2.5rem}.lg\:px-12{padding-left:3rem;padding-right:3rem}.lg\:py-16{padding-bottom:4rem;padding-top:4rem}.lg\:py-10px{padding-bottom:10px;padding-top:10px}.lg\:px-11px{padding-left:11px;padding-right:11px}.lg\:py-12px{padding-bottom:12px;padding-top:12px}.lg\:px-15px{padding-left:15px;padding-right:15px}.lg\:py-16px{padding-bottom:16px;padding-top:16px}.lg\:py-18px{padding-bottom:18px;padding-top:18px}.lg\:px-20px{padding-left:20px;padding-right:20px}.lg\:py-30px{padding-bottom:30px;padding-top:30px}.lg\:px-30px{padding-left:30px;padding-right:30px}.lg\:py-34px{padding-bottom:34px;padding-top:34px}.lg\:px-34px{padding-left:34px;padding-right:34px}.lg\:py-40px{padding-bottom:40px;padding-top:40px}.lg\:px-40px{padding-left:40px;padding-right:40px}.lg\:py-60px{padding-bottom:60px;padding-top:60px}.lg\:px-60px{padding-left:60px;padding-right:60px}.lg\:pt-0{padding-top:0}.lg\:pb-0{padding-bottom:0}.lg\:pb-3{padding-bottom:.75rem}.lg\:pl-3{padding-left:.75rem}.lg\:pr-4{padding-right:1rem}.lg\:pt-8{padding-top:2rem}.lg\:pt-10{padding-top:2.5rem}.lg\:pb-10{padding-bottom:2.5rem}.lg\:pl-10{padding-left:2.5rem}.lg\:pb-16{padding-bottom:4rem}.lg\:pt-0px{padding-top:0}.lg\:pl-0px{padding-left:0}.lg\:pt-10px{padding-top:10px}.lg\:pl-10px{padding-left:10px}.lg\:pr-11px{padding-right:11px}.lg\:pl-11px{padding-left:11px}.lg\:pr-15px{padding-right:15px}.lg\:pb-17px{padding-bottom:17px}.lg\:pr-25px{padding-right:25px}.lg\:pt-28px{padding-top:28px}.lg\:pt-30px{padding-top:30px}.lg\:pl-30px{padding-left:30px}.lg\:pr-32px{padding-right:32px}.lg\:pt-36px{padding-top:36px}.lg\:pr-40px{padding-right:40px}.lg\:pl-48px{padding-left:48px}.lg\:pr-60px{padding-right:60px}.lg\:pr-90px{padding-right:90px}.lg\:static{position:static}.lg\:absolute{position:absolute}.lg\:relative{position:relative}.lg\:text-left{text-align:left}.lg\:text-center{text-align:center}.lg\:text-black900{color:#333}.lg\:no-underline{text-decoration:none}.lg\:hover\:underline:hover{text-decoration:underline}.lg\:w-auto{width:auto}.lg\:w-1\/2{width:50%}.lg\:w-1\/3{width:33.333333%}.lg\:w-1\/5{width:20%}.lg\:w-3\/12{width:25%}.lg\:w-full{width:100%}.lg\:w-300px{width:300px}.lg\:transition-opacity{transition-property:opacity}.lg\:duration-1000{transition-duration:1s}.lg\:delay-500{transition-delay:.5s}}@media (min-width:1280px){.xl\:block{display:block}.xl\:flex{display:flex}.xl\:inline-flex{display:inline-flex}.xl\:hidden{display:none}.xl\:flex-row{flex-direction:row}.xl\:items-center{align-items:center}.xl\:justify-between{justify-content:space-between}.xl\:mt-0{margin-top:0}.xl\:mr-0{margin-right:0}.xl\:ml-0{margin-left:0}.xl\:ml-3{margin-left:.75rem}.xl\:pb-32px{padding-bottom:32px}} </style><ra-author name="Taylor Tepper" role="Senior Writer, Banking and Investing" imageurl="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2020/09/ttepper-88x88.png" url="https://www.forbes.com/advisor/author/tepper/"></ra-author><style id='footer-inline-css' type='text/css'> footer *{border:0;font:inherit;line-height:0px;margin:0;padding:0;vertical-align:baseline}body.safari .shadow-effect{box-shadow:none!important}footer.shared-footer{background:#f0f0f0;clear:both;color:#333;min-height:200px;padding:0 0 20px}footer.shared-footer .row-inner{height:auto;margin:0 auto;text-align:center}footer.shared-footer .footer-logo{align-items:center;border-bottom:1px solid #e3e3e3;display:flex;flex-direction:column;justify-content:center;margin-top:0;padding-bottom:0;padding-top:49px}footer.shared-footer .footer-logo .logo{color:#181716;display:block;margin-bottom:15px}footer.shared-footer .footer-logo .copy{color:#333;display:block;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;line-height:16px;padding-bottom:12px;text-align:center}footer.shared-footer .footer-links{padding:0 21px}footer.shared-footer .footer-links li{color:#333;font-family:Work Sans,sans-serif;font-size:10px;font-weight:400;line-height:normal;list-style:none;margin:20px 0;text-align:center}footer.shared-footer .footer-links a{color:#333;cursor:pointer;font-size:14px;font-weight:400;line-height:16px;text-align:center;text-decoration:none}.logo-footer{font-size:0;pointer-events:none}.logo-footer svg{pointer-events:all;width:131px}@media (min-width:768px){.logo-footer svg{width:120px}footer.shared-footer .footer-links li{display:inline-block;margin:0;padding:0 5px}footer.shared-footer .footer-links{padding:20px 21px 28px}footer.shared-footer .footer-logo{padding-top:21px}footer.shared-footer{min-height:-moz-fit-content;min-height:fit-content;padding:0}footer.shared-footer .footer-logo .copy{line-height:11px}}.mobile-ui footer .footer-gap{padding-bottom:20px} </style> <script type="text/javascript" id="author-v2-script-js-after"> /* <![CDATA[ */ !function(){var e,t={359:function(){document.addEventListener("DOMContentLoaded",(function(){let e=window.innerWidth;getDeviceTypeInNumber(window.deviceType);e<=821?((()=>{let e=document.querySelector(".more-author"),t=document.querySelectorAll(".secondary-author");e?.addEventListener("click",(()=>{var r=e.querySelector(".arrow-icon");e.classList.toggle("author-list"),r.classList.toggle("rotate"),r.classList.contains("rotate")?(1===t.length?e.querySelector(".text").innerText="& 1 other":e.querySelector(".text").innerText="& "+t.length+" others",t.forEach((e=>{e.classList.add("hide-in-mobile")}))):(e.querySelector(".text").innerText="Collapse",t.forEach((e=>{e.classList.remove("hide-in-mobile")})))}))})(),window.addEventListener("click",(e=>{let t=document.querySelector("body");(e.target.classList.contains("author-byline-hoverover")||e.target.closest(".author-byline-hoverover"))&&(t?.classList.add("author-modal"),e.target?.classList.add("current-modal"),e.target?.querySelector("#authorBylineModalContainer")?.removeAttribute("style")),e.target.closest(".author-close-btn")&&(t?.classList.remove("author-modal"),t.querySelectorAll(".current-modal").forEach((e=>{e.classList.remove("current-modal")})))}))):(()=>{let e=document.querySelectorAll(".authors-container");for(const t of e)t.classList.add("author-byline-style")})()}))},987:function(){},833:function(){}},r={};function o(e){var n=r[e];if(void 0!==n)return n.exports;var i=r[e]={exports:{}};return t[e](i,i.exports,o),i.exports}o.m=t,e=[],o.O=function(t,r,n,i){if(!r){var a=1/0;for(u=0;u<e.length;u++){r=e[u][0],n=e[u][1],i=e[u][2];for(var c=!0,l=0;l<r.length;l++)(!1&i||a>=i)&&Object.keys(o.O).every((function(e){return o.O[e](r[l])}))?r.splice(l--,1):(c=!1,i<a&&(a=i));if(c){e.splice(u--,1);var s=n();void 0!==s&&(t=s)}}return t}i=i||0;for(var u=e.length;u>0&&e[u-1][2]>i;u--)e[u]=e[u-1];e[u]=[r,n,i]},o.o=function(e,t){return Object.prototype.hasOwnProperty.call(e,t)},function(){var e={32:0,845:0,161:0};o.O.j=function(t){return 0===e[t]};var t=function(t,r){var n,i,a=r[0],c=r[1],l=r[2],s=0;if(a.some((function(t){return 0!==e[t]}))){for(n in c)o.o(c,n)&&(o.m[n]=c[n]);if(l)var u=l(o)}for(t&&t(r);s<a.length;s++)i=a[s],o.o(e,i)&&e[i]&&e[i][0](),e[i]=0;return o.O(u)},r=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))}(),o.O(void 0,[845,161],(function(){return o(359)})),o.O(void 0,[845,161],(function(){return o(987)}));var n=o.O(void 0,[845,161],(function(){return o(833)}));n=o.O(n)}(); /* ]]> */ </script> <script type="text/javascript" id="ask-the-expert-script-js-after"> /* <![CDATA[ */ (()=>{var e,r={832:()=>{document.querySelectorAll(".expert-card-wrapper").forEach((e=>{e.addEventListener("click",(e=>{let r=e.target.closest(".author-card");if(!r)return;let t=r.getAttribute("data-card"),o=r.getAttribute("data-parent-id");const a=document.querySelector(`.ate-block-id-${o}`);a.querySelectorAll(".expert-details-content").forEach((function(e){e.id===`authorContent_${t}`?(e.classList.add("flex"),e.classList.remove("none")):(e.classList.add("none"),e.classList.remove("flex"))})),a.querySelectorAll(".author-card").forEach((e=>{e.id===`author_${t}`?e.classList.add("active"):e.classList.remove("active")}))}))}))},634:()=>{}},t={};function o(e){var a=t[e];if(void 0!==a)return a.exports;var s=t[e]={exports:{}};return r[e](s,s.exports,o),s.exports}o.m=r,e=[],o.O=(r,t,a,s)=>{if(!t){var c=1/0;for(d=0;d<e.length;d++){for(var[t,a,s]=e[d],l=!0,i=0;i<t.length;i++)(!1&s||c>=s)&&Object.keys(o.O).every((e=>o.O[e](t[i])))?t.splice(i--,1):(l=!1,s<c&&(c=s));if(l){e.splice(d--,1);var n=a();void 0!==n&&(r=n)}}return r}s=s||0;for(var d=e.length;d>0&&e[d-1][2]>s;d--)e[d]=e[d-1];e[d]=[t,a,s]},o.o=(e,r)=>Object.prototype.hasOwnProperty.call(e,r),(()=>{var e={105:0,937:0};o.O.j=r=>0===e[r];var r=(r,t)=>{var a,s,[c,l,i]=t,n=0;if(c.some((r=>0!==e[r]))){for(a in l)o.o(l,a)&&(o.m[a]=l[a]);if(i)var d=i(o)}for(r&&r(t);n<c.length;n++)s=c[n],o.o(e,s)&&e[s]&&e[s][0](),e[s]=0;return o.O(d)},t=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];t.forEach(r.bind(null,0)),t.push=r.bind(null,t.push.bind(t))})(),o.O(void 0,[937],(()=>o(832)));var a=o.O(void 0,[937],(()=>o(634)));a=o.O(a)})(); /* ]]> */ </script> <script type="text/javascript" id="recaptcha-script-js-after"> /* <![CDATA[ */ (()=>{"use strict";window.debounce=function(e,n){var t;return function(){for(var o=arguments.length,r=new Array(o),c=0;c<o;c++)r[c]=arguments[c];t&&clearTimeout(t),t=setTimeout((function(){e.apply(null,r)}),n)}};function e(e){let n="1"==getDeviceTypeInNumber(window.deviceType)?"mouseover":"touchstart";const t=()=>{e.forEach((e=>(e=>new Promise(((n,t)=>{const o=document.createElement("script");o.src=e,o.onload=n,o.onerror=t,document.body.appendChild(o)})))(e))),document.removeEventListener(n,t)};document.addEventListener(n,t)}document.addEventListener("DOMContentLoaded",(()=>{e(["https://www.google.com/recaptcha/enterprise.js?render=6LcQgb0pAAAAAFmxZh2ZHTmayKMY5jrFkrCIuWp2"])}))})(); /* ]]> */ </script> <script type="text/javascript" id="feedback-form-script-js-after"> /* <![CDATA[ */ (()=>{"use strict";var e,r={245:()=>{window.debounce=function(e,r){var o;return function(){for(var n=arguments.length,t=new Array(n),i=0;i<n;i++)t[i]=arguments[i];o&&clearTimeout(o),o=setTimeout((function(){e.apply(null,t)}),r)}};function e(e){let r="1"==getDeviceTypeInNumber(window.deviceType)?"mouseover":"touchstart";const o=()=>{e.forEach((e=>(e=>new Promise(((r,o)=>{const n=document.createElement("script");n.src=e,n.onload=r,n.onerror=o,document.body.appendChild(n)})))(e))),document.removeEventListener(r,o)};document.addEventListener(r,o)}document.addEventListener("DOMContentLoaded",(()=>{e([`${faglobal.theme_root}assets/dist/js/feedback-form.min.js`])}))},691:()=>{}},o={};function n(e){var t=o[e];if(void 0!==t)return t.exports;var i=o[e]={exports:{}};return r[e](i,i.exports,n),i.exports}n.m=r,e=[],n.O=(r,o,t,i)=>{if(!o){var a=1/0;for(u=0;u<e.length;u++){for(var[o,t,i]=e[u],s=!0,c=0;c<o.length;c++)(!1&i||a>=i)&&Object.keys(n.O).every((e=>n.O[e](o[c])))?o.splice(c--,1):(s=!1,i<a&&(a=i));if(s){e.splice(u--,1);var d=t();void 0!==d&&(r=d)}}return r}i=i||0;for(var u=e.length;u>0&&e[u-1][2]>i;u--)e[u]=e[u-1];e[u]=[o,t,i]},n.o=(e,r)=>Object.prototype.hasOwnProperty.call(e,r),(()=>{var e={457:0,300:0};n.O.j=r=>0===e[r];var r=(r,o)=>{var t,i,[a,s,c]=o,d=0;if(a.some((r=>0!==e[r]))){for(t in s)n.o(s,t)&&(n.m[t]=s[t]);if(c)var u=c(n)}for(r&&r(o);d<a.length;d++)i=a[d],n.o(e,i)&&e[i]&&e[i][0](),e[i]=0;return n.O(u)},o=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];o.forEach(r.bind(null,0)),o.push=r.bind(null,o.push.bind(o))})(),n.O(void 0,[300],(()=>n(245)));var t=n.O(void 0,[300],(()=>n(691)));t=n.O(t)})(); /* ]]> */ </script> <script type="text/javascript" id="base-script-v2-js-extra"> /* <![CDATA[ */ var faglobal = {"ajax_url":"https:\/\/www.forbes.com\/advisor\/wp-admin\/admin-ajax.php","search_api":"https:\/\/www.forbes.com\/advisor\/wp-json\/wp\/v2\/search","rest_api_url":"https:\/\/www.forbes.com\/advisor\/wp-json\/advisor\/","rest_api_version":"v1","version_one":"v1","card_listing_url":"https:\/\/www.forbes.com\/advisor\/credit-cards\/all","card_compare_url":"https:\/\/www.forbes.com\/advisor\/credit-cards\/compare-cards","is_card_compare":"","is_card_listing":"","is_mortgage_compare":"","mortgage_listing_url":"https:\/\/www.forbes.com\/advisor\/mortgages\/all-mortgages","loan_listing_url":"https:\/\/www.forbes.com\/advisor\/loans\/all-loans","is_home_page":"","facard_cookie":"facrdck945","famortgage_cookie":"famrtgeck946","is_credit_card":"","is_lander_page":"","is_compare_page":"","is_card_review":"","is_blog_home":"","is_article":"1","is_forbes":"","is_personal_loan":"","is_checking_account":"","theme_root":"https:\/\/www.forbes.com\/advisor\/wp-content\/themes\/fadv\/","is_production":"1","site_url":"https:\/\/www.forbes.com\/advisor","vertical":"advisor_us","directory_api_url":"https:\/\/www.forbes.com\/advisor\/directoryapi","post_id":"43386","currency_conversion_time_series_nonce":"4be37ada3f"}; /* ]]> */ </script> <script type="text/javascript" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/dist/js/base-v2.min.js?ver=1721037309" id="base-script-v2-js"></script> <script type="text/javascript" id="partner-names-js-after"> /* <![CDATA[ */ window.addEventListener('DOMContentLoaded', () => { window.partnerNames = window.partnerNames || []; window.shortcodesPartnersOnPage = window.shortcodesPartnersOnPage || []; if ( window.dataLayer && (window.shortcodesPartnersOnPage.length > 0 || window.partnerNames.length > 0) ) { window.dataLayer.push({ 'partnersOnPage': [...new Set([...window.shortcodesPartnersOnPage, ...window.partnerNames])] }); } }); /* ]]> */ </script> <script type="text/javascript" id="mp_datalayer_script-js-after"> /* <![CDATA[ */ if(Array.isArray(window.dataLayer)){ window.dataLayer.push({"mp":{"PrimaryCategory":"Investing","SecondaryCategory":"","AuthorName":"Taylor Tepper","AuthorRole":"Senior Writer, Banking and Investing","PublishedDate":"May 30, 2023","UpdatedDate":"Aug 29, 2024","ReferrerHost":"search.4stardealz.com","ReferrerUrl":"https:\/\/search.4stardealz.com\/","shortcodesOnPage":[]}}); } /* ]]> */ </script> <script type="text/javascript"> (function () { const COOKIE_NAME = "fadvfpuid"; const DATA_LAYER = window.dataLayer || []; const COOKIE_EXPIRATION_DAYS = 400; //Set to maximum number of days const MIN_COOKIE_LENGTH_FOR_USER_ID = 30; async function initializeTracking() { const userCookie = getCookie(COOKIE_NAME); if (userCookie && userCookie.length > MIN_COOKIE_LENGTH_FOR_USER_ID) { initializeWithExistingUser(userCookie); } else { try { const newVisitorId = await generateVisitorId(); setCookieAndInitialize(newVisitorId); } catch (error) { console.error("Error generating user ID:", error); } } } async function generateVisitorId() { const fp = await FingerprintJS.load(); const { visitorId } = await fp.get(); return "FA" + visitorId; } function initializeWithExistingUser(userId) { window.visitorId = userId; enableTrackingWithTid(userId); } function setCookieAndInitialize(visitorId) { setCookie(COOKIE_NAME, visitorId, COOKIE_EXPIRATION_DAYS, getTransferLinkDomain()); window.visitorId = visitorId; enableTrackingWithTid(visitorId); } function enableTrackingWithTid(fpid) { DATA_LAYER.push({ "fpid": fpid }); if (typeof window._initWTid === 'function') { window._initWTid(); } } function setCookie(e, o, t, i) { const n = new Date(); n.setTime(n.getTime() + 24 * t * 60 * 60 * 1e3); const r = "expires=" + n.toUTCString(); document.cookie = e + "=" + encodeURIComponent(o) + ";" + r + ";path=/;domain=." + i; } function getTransferLinkDomain() { const e = new URL(window.location).hostname.split("."); return e .slice(0) .slice(-(4 === e.length ? 3 : 2)) .join("."); } function getCookie(e) { let o = e + "=", t = decodeURIComponent(document.cookie).split(";"); for (let e = 0; e < t.length; e++) { let i = t[e]; for (; " " == i.charAt(0); ) i = i.substring(1); if (0 == i.indexOf(o)) return i.substring(o.length, i.length); } return ""; } initializeTracking(); })(); </script><script> (function(){ const compliancePixelImage = new Image(0, 0); let cpURL = encodeURIComponent(window.location.href); compliancePixelImage.src = `https://lgforbes.akamaized.net/rtblog.php?requrl=${cpURL}&cid=8CUX59211&crid=611817330`; })(); </script><script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.forbes.com/advisor/investing/how-to-choose-a-financial-advisor/" }, "headline": "How To Choose A Financial Advisor", "image": { "@type": "ImageObject", "url": "https://www.forbes.com/advisor/wp-content/uploads/2023/05/office-ppl-with-devices_4x3-1-1.png", "height": "900", "width": "510" }, "datePublished": "2023-05-30T17:19:51-04:00", "dateModified": "2024-08-29T17:05:59-05:00", "author": { "@type": "Person", "name": "Taylor Tepper" }, "publisher": { "@type": "Organization", "name": "Forbes", "logo": { "@type": "ImageObject", "url": "https://i.forbesimg.com/media/assets/forbes_1200x1200.jpg", "width": 1200, "height": 1200 } }, "description": "A financial advisor can optimize your investment portfolio, manage your cash flow and prioritize long-term savings goals. The key is to pick one who puts your financial interests first and can remain calm during rocky times. Related: Find A Financial Advisor In 3 minutes New college grads fresh to the workforce probably don’t need to […]" } </script><script>!function(){var e,t={445:function(e,t,o){"use strict";o(96);function r(e,t,o){document.addEventListener(e,(function(e){for(var r=e.target;r&&r!=this;r=r.parentNode)if(r.matches(t)){o.call(r,e);break}}),!1)}window.debounce=function(e,t){var o;return function(){for(var r=arguments.length,n=new Array(r),i=0;i<r;i++)n[i]=arguments[i];o&&clearTimeout(o),o=setTimeout((function(){e.apply(null,n)}),t)}};const n=e=>document.querySelector(e),i=e=>document.querySelectorAll(e),s=function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;return"none"===window.getComputedStyle(e).display?function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;e.style.removeProperty("display");let{display:o}=window.getComputedStyle(e);"none"===o&&(o="block"),e.style.display=o;const r=e.offsetHeight;e.style.overflow="hidden",e.style.height=0,e.style.paddingTop=0,e.style.paddingBottom=0,e.style.marginTop=0,e.style.marginBottom=0,e.offsetHeight,e.style.boxSizing="border-box",e.style.transitionProperty="height, margin, padding",e.style.transitionDuration=`${t}ms`,e.style.height=`${r}px`,e.style.removeProperty("padding-top"),e.style.removeProperty("padding-bottom"),e.style.removeProperty("margin-top"),e.style.removeProperty("margin-bottom"),setTimeout((()=>{e.style.removeProperty("height"),e.style.removeProperty("overflow"),e.style.removeProperty("transition-duration"),e.style.removeProperty("transition-property")}),t)}(e,t):function(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:500;e.style.transitionProperty="height, margin, padding",e.style.transitionDuration=`${t}ms`,e.style.boxSizing="border-box",e.style.height=`${e.offsetHeight}px`,e.offsetHeight,e.style.overflow="hidden",e.style.height=0,e.style.paddingTop=0,e.style.paddingBottom=0,e.style.marginTop=0,e.style.marginBottom=0,setTimeout((()=>{e.style.display="none",e.style.removeProperty("height"),e.style.removeProperty("padding-top"),e.style.removeProperty("padding-bottom"),e.style.removeProperty("margin-top"),e.style.removeProperty("margin-bottom"),e.style.removeProperty("overflow"),e.style.removeProperty("transition-duration"),e.style.removeProperty("transition-property")}),t)}(e,t)};var a=!1,c=!1;const l=".regionSelector",d=".rs-dropdown",u=".header__nav",m=".region-selector-mobile",f=()=>{let e=.01*window.innerHeight;document.documentElement.style.setProperty("--vh",e+"px")},p=()=>{n(".menu-toggle").classList.remove("on"),n(u).classList.remove("active"),n("body").classList.remove("disable-scroll")},v=()=>{let e=getDeviceTypeInNumber(window.deviceType);"ontouchstart"in window||navigator.msMaxTouchPoints>0?(1==e&&i(".all-category-link").forEach((e=>{e.classList.add("is-touch")})),r("click",".wp-menu-item > .main-menu-wrap",(function(e){const{target:t}=e;let o=t.closest(".wp-menu-item").querySelector(".sub-menu-wrap");o&&(e.preventDefault(),o.classList.add("mobile-active"))}))):r("click",".wp-menu-item > .main-menu-wrap",(function(t){const{target:o}=t;let r=o.closest(".wp-menu-item").querySelector(".sub-menu-wrap");1!==e&&r&&(t.preventDefault(),r.classList.add("mobile-active"))})),r("click",".mobile-back-btn",(function(e){const{target:t}=e;e.preventDefault(),t.closest(".sub-menu-wrap").classList.remove("mobile-active")}))},y=()=>{i(l).forEach((e=>{e.onmouseover=function(){e.classList.add("active"),e.querySelector(".rs-dropdown").classList.remove("hidden"),e.querySelector(".rs-dropdown").classList.add("block")},e.onmouseout=function(){e.classList.remove("active"),e.querySelector(".rs-dropdown").classList.add("hidden"),e.querySelector(".rs-dropdown").classList.remove("block")}}))},h=()=>{r("click",".change-region-mobile",(function(){a=!0,i(m).forEach((e=>{e.classList.remove("hidden"),e.classList.add("block"),i(".curr-region-sel").forEach((e=>{e.classList.remove("active"),n('.curr-region-sel[data-curr-region="usa"]').classList.add("active")}))})),p()})),r("click",l,(function(){c?b():(g(),p()),c=!c})),r("click",".curr-region-sel",(function(e){const{target:t}=e;let o=this.dataset.currRegion;const r={uk:"https://www.forbes.com/uk/advisor/",in:"https://www.forbes.com/advisor/in/",au:"https://www.forbes.com/advisor/au/",it:"https://www.forbes.com/advisor/it/",ca:"https://www.forbes.com/advisor/ca/"};n(".curr-region-sel").classList.remove("active"),this.classList.add("active"),"usa"!==o&&(window.location.href=r[o],setTimeout((function(){t.closest(m).classList.remove("block"),t.closest(m).classList.add("hidden"),t.classList.remove("active"),n("ul li[data-curr-region='usa']").classList.add("active")}),1e3))}))},g=()=>{i(l).forEach((e=>{e.classList.add("active")})),i(d).forEach((e=>{e.classList.remove("hidden"),e.classList.add("block")}))},b=()=>{i(l).forEach((e=>{e.classList.remove("active")})),i(d).forEach((e=>{e.classList.add("hidden"),e.classList.remove("block")}))},w=e=>{if(e){const e=L();document.body.style.paddingRight=`${e}px`,document.querySelector(".header-us").style.width=`calc(100% - ${e}px)`}else document.body.style.paddingRight="0px",document.querySelector(".header-us").style.width="100%"},L=()=>{const e=document.createElement("div");e.style.overflowY="scroll",e.style.width="50px",e.style.height="50px",e.style.visibility="hidden",document.body.appendChild(e);const t=e.offsetWidth-e.clientWidth;return document.body.removeChild(e),t};window.addEventListener("DOMContentLoaded",(()=>{n("#site-menu-toggle").addEventListener("click",(e=>{e.stopPropagation();let t=n(u),o=n("body");if(t.classList.contains("active")){e.currentTarget.classList.remove("on"),t.classList.remove("active"),o.classList.remove("disable-scroll"),document.querySelectorAll(".sub-menu-wrap");let r=document?.querySelectorAll(".sub-menu-wrap");r.forEach((e=>{e.classList.contains("mobile-active")&&e.classList.remove("mobile-active"),e.querySelectorAll(".accordian-wrapper").forEach((e=>{e.classList.contains("active")&&(e.classList.remove("active"),e.querySelector(".accordian-menu").style.display="none")}))})),w(!1)}else e.currentTarget.classList.add("on"),t.classList.add("active"),o.classList.add("disable-scroll"),w(!0)})),(()=>{let e=!1;0==e&&r("click",".accordian-title",(function(t){const{target:o}=t;if(0==e){e=!0;const t=o.closest(".accordian-wrapper");s(t.querySelector(".accordian-menu")),t.classList.toggle("active"),setTimeout((()=>{e=!1}),500)}}))})(),v(),"desktop"!==window.deviceType?h():y(),(()=>{let e=navigator.userAgent.toLowerCase().match(/(iphone|ipod|ipad)/)?"touchstart":"click";n("body").addEventListener(e,(e=>{let t=e.target,o=!!a&&(t.classList.contains("mob-region-sel-holder")||t.closest(".mob-region-sel-holder"));if(t.classList.contains("header__nav")||t.closest(u)||t.classList.contains("header__container")||t.closest(".header__container")||o)return!0;a&&(a=!1,n(m).classList.remove("block"),n(m).classList.add("hidden"))}))})(),f(),window.addEventListener("resize",f),i(".sub-menu").forEach((e=>{e.onmouseover=function(){n(".wp-menu").style.overflow="hidden"},e.onmouseout=function(){n(".wp-menu").style.overflow="scroll"}})),/^((?!chrome|android).)*safari/i.test(navigator.userAgent)&&document.body.classList.add("safari")}))},96:function(e,t,o){var r="Expected a function",n=NaN,i="[object Symbol]",s=/^\s+|\s+$/g,a=/^[-+]0x[0-9a-f]+$/i,c=/^0b[01]+$/i,l=/^0o[0-7]+$/i,d=parseInt,u="object"==typeof o.g&&o.g&&o.g.Object===Object&&o.g,m="object"==typeof self&&self&&self.Object===Object&&self,f=u||m||Function("return this")(),p=Object.prototype.toString,v=Math.max,y=Math.min,h=function(){return f.Date.now()};function g(e,t,o){var n,i,s,a,c,l,d=0,u=!1,m=!1,f=!0;if("function"!=typeof e)throw new TypeError(r);function p(t){var o=n,r=i;return n=i=void 0,d=t,a=e.apply(r,o)}function g(e){var o=e-l;return void 0===l||o>=t||o<0||m&&e-d>=s}function L(){var e=h();if(g(e))return k(e);c=setTimeout(L,function(e){var o=t-(e-l);return m?y(o,s-(e-d)):o}(e))}function k(e){return c=void 0,f&&n?p(e):(n=i=void 0,a)}function T(){var e=h(),o=g(e);if(n=arguments,i=this,l=e,o){if(void 0===c)return function(e){return d=e,c=setTimeout(L,t),u?p(e):a}(l);if(m)return c=setTimeout(L,t),p(l)}return void 0===c&&(c=setTimeout(L,t)),a}return t=w(t)||0,b(o)&&(u=!!o.leading,s=(m="maxWait"in o)?v(w(o.maxWait)||0,t):s,f="trailing"in o?!!o.trailing:f),T.cancel=function(){void 0!==c&&clearTimeout(c),d=0,n=l=i=c=void 0},T.flush=function(){return void 0===c?a:k(h())},T}function b(e){var t=typeof e;return!!e&&("object"==t||"function"==t)}function w(e){if("number"==typeof e)return e;if(function(e){return"symbol"==typeof e||function(e){return!!e&&"object"==typeof e}(e)&&p.call(e)==i}(e))return n;if(b(e)){var t="function"==typeof e.valueOf?e.valueOf():e;e=b(t)?t+"":t}if("string"!=typeof e)return 0===e?e:+e;e=e.replace(s,"");var o=c.test(e);return o||l.test(e)?d(e.slice(2),o?2:8):a.test(e)?n:+e}e.exports=function(e,t,o){var n=!0,i=!0;if("function"!=typeof e)throw new TypeError(r);return b(o)&&(n="leading"in o?!!o.leading:n,i="trailing"in o?!!o.trailing:i),g(e,t,{leading:n,maxWait:t,trailing:i})}},790:function(){}},o={};function r(e){var n=o[e];if(void 0!==n)return n.exports;var i=o[e]={exports:{}};return t[e](i,i.exports,r),i.exports}r.m=t,e=[],r.O=function(t,o,n,i){if(!o){var s=1/0;for(d=0;d<e.length;d++){o=e[d][0],n=e[d][1],i=e[d][2];for(var a=!0,c=0;c<o.length;c++)(!1&i||s>=i)&&Object.keys(r.O).every((function(e){return r.O[e](o[c])}))?o.splice(c--,1):(a=!1,i<s&&(s=i));if(a){e.splice(d--,1);var l=n();void 0!==l&&(t=l)}}return t}i=i||0;for(var d=e.length;d>0&&e[d-1][2]>i;d--)e[d]=e[d-1];e[d]=[o,n,i]},r.g=function(){if("object"==typeof globalThis)return globalThis;try{return this||new Function("return this")()}catch(e){if("object"==typeof window)return window}}(),r.o=function(e,t){return Object.prototype.hasOwnProperty.call(e,t)},function(){var e={678:0,2:0};r.O.j=function(t){return 0===e[t]};var t=function(t,o){var n,i,s=o[0],a=o[1],c=o[2],l=0;if(s.some((function(t){return 0!==e[t]}))){for(n in a)r.o(a,n)&&(r.m[n]=a[n]);if(c)var d=c(r)}for(t&&t(o);l<s.length;l++)i=s[l],r.o(e,i)&&e[i]&&e[i][0](),e[i]=0;return r.O(d)},o=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];o.forEach(t.bind(null,0)),o.push=t.bind(null,o.push.bind(o))}(),r.O(void 0,[2],(function(){return r(445)}));var n=r.O(void 0,[2],(function(){return r(790)}));n=r.O(n)}();</script><script>!function(){function e(){let e,n=navigator.userAgent,r=n.match(/(opera|SamsungBrowser|criOS|chrome|safari|firefox|msie|trident(?=\/))\/?\s*(\d+)/i)||[];if("CriOS"===r[1])return{name:"Chrome",version:r[2]};if("MSIE"===r[1])return{name:"IE",version:r[2]};if(/trident/i.test(r[1]))return e=/\brv[ :]+(\d+)/g.exec(n)||[],{name:"IE",version:e[1]||""};if("SamsungBrowser"===r[1])return{name:"Samsung",version:r[2]};if("Chrome"===r[1]&&(e=n.match(/\b(OPR|Edg|Edge)\/(\d+)/),null!=e)){if("Edg"==e[1])return{name:e[1].replace("Edg","Edge"),version:e[2]};if("Edge"==e[1])return{name:e[1],version:e[2]};if("OPR"==e[1])return{name:e[1].replace("OPR","Opera"),version:e[2]}}return r=r[2]?[r[1],r[2]]:[navigator.appName,navigator.appVersion,"-?"],null!=(e=n.match(/version\/(\d+)/i))&&r.splice(1,1,e[1]),{name:r[0],version:r[1]}}function n(){window.navigator.userAgent;var e=window.navigator.platform,n=null;return-1!==["Macintosh","MacIntel","MacPPC","Mac68K"].indexOf(e)?n="Mac OS":-1!==["Win32","Win64","Windows","WinCE"].indexOf(e)&&(n="Windows"),n}function r(e){window.dataLayer.push({cd:{Supported_Browser:e}})}window.__showBrowserDisclaimer=()=>{const i=document.querySelector(".browser-compat");!function(){const i={Desktop:{Chrome:49,Firefox:48,Edge:"Mac OS"===n()?81:18,Safari:9},Mobile:{Chrome:64,Firefox:83,Safari:10,Samsung:5}};let o=3===getDeviceTypeInNumber(window.deviceType)?"Mobile":"Desktop";return e().name in i[o]?parseInt(e().version)>=i[o][e().name]?(r(!0),!0):(r(!1),!1):"IE"===e().name?(r(!1),!1):(r(!0),!0)}()?i.style.display="table":i.style.display="none",document.querySelector(".browser-compat .close").addEventListener("click",(function(){i.style.display="none"}))},window.addEventListener("DOMContentLoaded",window.__showBrowserDisclaimer)}();</script> <script> function lazyLoadBackgroundImage() { const observer = new IntersectionObserver((entries, observer) => { entries.forEach(entry => { if (entry.isIntersecting) { entry.target.style.backgroundImage = `url(${entry.target.dataset.bgSrc})`; observer.unobserve(entry.target); } }); }, { rootMargin: "500px", }); const element = document.querySelectorAll('.lazy-load-bg'); element.forEach((item) => { observer.observe(item); }) } document.addEventListener('DOMContentLoaded', () => { lazyLoadBackgroundImage(); }) </script> <script> window._staticArticlesUrl = ["https:\/\/www.forbes.com\/advisor\/investing\/is-the-economy-good-or-bad\/","https:\/\/www.forbes.com\/advisor\/investing\/best-online-brokers\/","https:\/\/www.forbes.com\/advisor\/investing\/stocks-on-sale-for-cyber-monday\/","https:\/\/www.forbes.com\/advisor\/investing\/best-real-estate-mutual-funds\/","https:\/\/www.forbes.com\/advisor\/investing\/factors-to-consider-when-adding-gold-to-your-ira\/","https:\/\/www.forbes.com\/advisor\/investing\/best-ai-stocks\/"]; window._RaFeedData = {"pid":43386,"isReleaseEnvironment":false,"isProductionEnvironment":true,"thumborURL":"https:\/\/thumbor.forbes.com\/thumbor\/"}; var imgUrl, deviceType = getDeviceTypeInNumber(window.deviceType), detectMobile = deviceType == 3, detectDesktop = deviceType == 1 || deviceType == 2, isReleaseEnvironment = window._RaFeedData.isReleaseEnvironment, isProductionEnvironment = window._RaFeedData.isProductionEnvironment, isThumborSupportedEnv = isReleaseEnvironment || isProductionEnvironment, thumborUrl = window._RaFeedData.thumborURL; document.addEventListener("DOMContentLoaded", () => { document.querySelectorAll('.ra-feed-img').forEach(element => { if (element.getAttribute('src')) { let dataImgSrc = element.getAttribute("src"); if(element.classList.contains("static-ra-image")){ if (detectMobile && isThumborSupportedEnv) { imgUrl = thumborUrl + '660x336/' + dataImgSrc; } else if (detectDesktop && isThumborSupportedEnv) { imgUrl = thumborUrl + 'fit-in/620x350/' + dataImgSrc; } else { imgUrl = dataImgSrc; } element.src = imgUrl; } else if(element.classList.contains("static-author-image")){ if (dataImgSrc.indexOf("https://www.forbes.com/advisor/") > -1 && isThumborSupportedEnv) { imgUrl = thumborUrl + '24x24/' + dataImgSrc; } else { imgUrl = dataImgSrc; } element.src = imgUrl; } else{ element.src = element.getAttribute('src'); } } }) }); </script> <script> /*assets/dist/js/optimised-header-v1.min.js*/ !function(){var e,t={779:function(e,t,n){"use strict";var r=n(96),o=n.n(r);window.debounce=function(e,t){var n;return function(){for(var r=arguments.length,o=new Array(r),i=0;i<r;i++)o[i]=arguments[i];n&&clearTimeout(n),n=setTimeout((function(){e.apply(null,o)}),t)}};const i=e=>{let t=0;for(;e;)t+=e.offsetTop,e=e.offsetParent;return t};function c(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:45;if(e)try{const n=document.querySelector(e);if(n){!function(e,t){const n=document.scrollingElement||document.documentElement,r=n.scrollTop,o=e-r,i=new Date;!function c(){const u=new Date-i;var f,a,l;n.scrollTop=parseInt((f=u,a=r,l=o,(f/=t/2)<1?l/2*f*f+a:-l/2*(--f*(f-2)-1)+a),10),u<t?requestAnimationFrame(c):n.scrollTop=e}()}(i(n)-t,1e3)}}catch(e){console.error(e)}}const u=e=>{var t=void 0===(e=e||window.event).which?e.keyCode:e.which;String.fromCharCode(t).match(/^[0-9]+$/)||e.preventDefault()};document.querySelector(".banner-cta")?.addEventListener("click",(e=>{let t=document.querySelector(".zip-code-txt"),n=document.querySelector(".banner-cta").href;if(t.value){e.preventDefault();let r=new URL(n);r.searchParams.append("zip_code",t.value),window.open(r.href)}})),document.addEventListener("DOMContentLoaded",(()=>{document.querySelectorAll(".jump-to").forEach((e=>{e.addEventListener("click",(function(e){c(e.target.getAttribute("href"),60)}))})),(()=>{let e=getDeviceTypeInNumber(window.deviceType),t=3===parseInt(e,10);window.addEventListener("scroll",o()((function(e){"advertiser-disclosure"!==e.target.id&&t&&document.querySelector("#advertiser-disclosure-block").classList.add("is-hidden")}),1e3))})(),document.querySelector("#advertiser-disclosure").addEventListener("click",(e=>{e.stopPropagation();let t=e.target,n=t.offsetLeft,r=t.offsetTop+(t.offsetHeight+10),o="",i=document.getElementById("advertiser-disclosure-block"),c=parseInt(window.getComputedStyle(i).getPropertyValue("max-width").match(/(\d+)/)[0]);document.querySelector(".hero-banner-component")&&(r=t.offsetHeight+10+t.getBoundingClientRect().top+window.scrollY,n=t.getBoundingClientRect().left),n>document.querySelector("body").offsetWidth/2&&(n=n+t.offsetWidth-c,o="right"),document.documentElement.clientWidth>640&&(i.style.left=`${n}px`),i.style.top=`${r}px`,i.classList.toggle("is-hidden")})),document.querySelector("body").addEventListener("click",(e=>{e.target.closest("#advertiser-disclosure-block")||document.getElementById("advertiser-disclosure-block").classList.add("is-hidden")})),document.querySelector(".zip-code-txt")&&(!function(){if(window.innerWidth>=768){let e=document.querySelector(".banner-cta").offsetHeight;document.querySelector(".zip-code-txt").setAttribute("style",`height:${e}px`)}}(),document.querySelector(".zip-code-txt").addEventListener("keypress",u))}))},96:function(e,t,n){var r="Expected a function",o=NaN,i="[object Symbol]",c=/^\s+|\s+$/g,u=/^[-+]0x[0-9a-f]+$/i,f=/^0b[01]+$/i,a=/^0o[0-7]+$/i,l=parseInt,d="object"==typeof n.g&&n.g&&n.g.Object===Object&&n.g,s="object"==typeof self&&self&&self.Object===Object&&self,v=d||s||Function("return this")(),p=Object.prototype.toString,m=Math.max,y=Math.min,h=function(){return v.Date.now()};function g(e,t,n){var o,i,c,u,f,a,l=0,d=!1,s=!1,v=!0;if("function"!=typeof e)throw new TypeError(r);function p(t){var n=o,r=i;return o=i=void 0,l=t,u=e.apply(r,n)}function g(e){var n=e-a;return void 0===a||n>=t||n<0||s&&e-l>=c}function O(){var e=h();if(g(e))return x(e);f=setTimeout(O,function(e){var n=t-(e-a);return s?y(n,c-(e-l)):n}(e))}function x(e){return f=void 0,v&&o?p(e):(o=i=void 0,u)}function S(){var e=h(),n=g(e);if(o=arguments,i=this,a=e,n){if(void 0===f)return function(e){return l=e,f=setTimeout(O,t),d?p(e):u}(a);if(s)return f=setTimeout(O,t),p(a)}return void 0===f&&(f=setTimeout(O,t)),u}return t=w(t)||0,b(n)&&(d=!!n.leading,c=(s="maxWait"in n)?m(w(n.maxWait)||0,t):c,v="trailing"in n?!!n.trailing:v),S.cancel=function(){void 0!==f&&clearTimeout(f),l=0,o=a=i=f=void 0},S.flush=function(){return void 0===f?u:x(h())},S}function b(e){var t=typeof e;return!!e&&("object"==t||"function"==t)}function w(e){if("number"==typeof e)return e;if(function(e){return"symbol"==typeof e||function(e){return!!e&&"object"==typeof e}(e)&&p.call(e)==i}(e))return o;if(b(e)){var t="function"==typeof e.valueOf?e.valueOf():e;e=b(t)?t+"":t}if("string"!=typeof e)return 0===e?e:+e;e=e.replace(c,"");var n=f.test(e);return n||a.test(e)?l(e.slice(2),n?2:8):u.test(e)?o:+e}e.exports=function(e,t,n){var o=!0,i=!0;if("function"!=typeof e)throw new TypeError(r);return b(n)&&(o="leading"in n?!!n.leading:o,i="trailing"in n?!!n.trailing:i),g(e,t,{leading:o,maxWait:t,trailing:i})}},321:function(){},53:function(){}},n={};function r(e){var o=n[e];if(void 0!==o)return o.exports;var i=n[e]={exports:{}};return t[e](i,i.exports,r),i.exports}r.m=t,e=[],r.O=function(t,n,o,i){if(!n){var c=1/0;for(l=0;l<e.length;l++){n=e[l][0],o=e[l][1],i=e[l][2];for(var u=!0,f=0;f<n.length;f++)(!1&i||c>=i)&&Object.keys(r.O).every((function(e){return r.O[e](n[f])}))?n.splice(f--,1):(u=!1,i<c&&(c=i));if(u){e.splice(l--,1);var a=o();void 0!==a&&(t=a)}}return t}i=i||0;for(var l=e.length;l>0&&e[l-1][2]>i;l--)e[l]=e[l-1];e[l]=[n,o,i]},r.n=function(e){var t=e&&e.__esModule?function(){return e.default}:function(){return e};return r.d(t,{a:t}),t},r.d=function(e,t){for(var n in t)r.o(t,n)&&!r.o(e,n)&&Object.defineProperty(e,n,{enumerable:!0,get:t[n]})},r.g=function(){if("object"==typeof globalThis)return globalThis;try{return this||new Function("return this")()}catch(e){if("object"==typeof window)return window}}(),r.o=function(e,t){return Object.prototype.hasOwnProperty.call(e,t)},function(){var e={719:0,809:0,512:0};r.O.j=function(t){return 0===e[t]};var t=function(t,n){var o,i,c=n[0],u=n[1],f=n[2],a=0;if(c.some((function(t){return 0!==e[t]}))){for(o in u)r.o(u,o)&&(r.m[o]=u[o]);if(f)var l=f(r)}for(t&&t(n);a<c.length;a++)i=c[a],r.o(e,i)&&e[i]&&e[i][0](),e[i]=0;return r.O(l)},n=self.webpackChunkadvisor_forbes_com=self.webpackChunkadvisor_forbes_com||[];n.forEach(t.bind(null,0)),n.push=t.bind(null,n.push.bind(n))}(),r.O(void 0,[809,512],(function(){return r(779)})),r.O(void 0,[809,512],(function(){return r(321)}));var o=r.O(void 0,[809,512],(function(){return r(53)}));o=r.O(o)}();</script> <script> document.addEventListener('DOMContentLoaded', () => { const tableOfContentTitle = document.querySelector('.toc-title'); tableOfContentTitle.addEventListener('click',(e) => { document.querySelector('.toc__inner-wrap').classList.toggle('hidden'); tableOfContentTitle.classList.toggle('minus'); }) }); </script> <script> document.addEventListener('DOMContentLoaded', () => { const accordianTab = document.querySelectorAll('.faq-question'); accordianTab.forEach((item) => { item.addEventListener('click', (e) => { event.preventDefault(); var container = item.nextElementSibling; if (!container.classList.contains('active')) { item.classList.add('active'); item.closest('.faqs').classList.add('clicked'); container.classList.add('active'); container.style.height = 'auto'; var height = container.clientHeight + 'px'; container.style.height = '0px'; setTimeout(function() { container.style.height = height; }, 0); } else { item.classList.remove('active'); item.closest('.faqs').classList.remove('clicked'); container.style.height = '0px'; container.addEventListener('transitionend', function() { container.classList.remove('active'); }, { once: true }); } }); }) }); </script> <div class="overlay"></div> </body> </html>

CINXE.COM

How To Choose A Financial Advisor – Forbes Advisor