Blog Archives | Smith Bruer Advisors

5 Areas to Consider When Hiring a Financial Advisor in 2021

By George M. Smith, CIMA® Finding a qualified financial advisor is a big decision. Using the word qualified may seem obvious, but just because someone holds themselves out to be an advisor doesn’t guarantee that they are equipped to meet your financial needs. When looking for a qualified financial advisor, I believe that you should

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5 Things to Know About Pooled Employer Plans

With the passing of 2020’s SECURE Act came the birth of the Pooled Employer Plan (PEP) and some significant relief to employers who either currently offer the employees a 401(k) or have been thinking about starting one.  Here are 5 things to know about PEPs and why they might be right for your business. A

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How to Pick the Right Financial Advisor in 2021

By Rene Bruer If you’re in the market for a financial advisor, one of the biggest questions you may have asked yourself is “how do I find the right person?” Think about what brought you to this point; a life change, a complicated financial situation, receiving a financial windfall, retirement, starting a new job with

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Stress Test Your Financial Plan in 2021

Stress Testing Your Financial Plan In the current environment of COVID-19, it is understandable if you are questioning the stability of your financial plan, provided that you have one. Reviewing your life circumstances is appropriate in good and bad times, and employing a Financial Stress Test should be a part of your overall approach.  This

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2021 Guide to 401(k) and Pooled Employer Plans

By Steven Hiraga A Bit of Retirement Plan History The 401(k) retirement plan, introduced in the Revenue Act of 1978, is still a relatively new workplace benefit.  For example, employee-provided health insurance goes back to the early 1940s in response to concerns of inflation as the US started coming out of WWII.  Going back even

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2021 Fee-Only, Fiduciary: Y’All Ain’t From Around Here

By René Bruer “Y’all ain’t from around here” is a colloquialism you hear in the South when you first move here. After leaving the Marine Corps in 2001, my wife Beth and I moved to Tallahassee from California. The California license plates, lack of southern accents, and a still-developing taste for barbeque combined with an

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Financial Advisor, Wealth Advisor, Investment Advisor: What’s the Difference?

Once you’ve decided it’s time to get some professional financial help, you may be asking yourself: “Which type of financial professional is best for me?” From a financial advisor to an investment advisor to a wealth advisor, it’s helpful to know the differences between each category of financial experts before committing to a long-term engagement.

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Crisis Not Required

by George M. Smith One great thing about America that we see over and over again is the comradery, community and self-sacrifice during and after disasters and traumatizing situations.  Just this year alone we’ve seen this played out countless times during hurricanes Harvey and Irma, the Las Vegas shooting, and the California fires. From these

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