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    Black and white image of two women, possibly and adviser and her client looking at paperwork. The logo "Kiplinger Adviser Intel" is overlaid on the image
    (Image credit: Getty Images)
    Joyce Lamb's avatar
    By Joyce Lamb

    Kiplinger’s Adviser Intel is a curated network of trusted financial professionals that share expert insights on wealth building and preservation. Contributors, including fiduciary financial planners, wealth managers, CEOs and attorneys, provide actionable advice about retirement planning, estate planning, tax strategies and more.

    Experts are invited to contribute and do not pay to be included, so you can trust their advice is honest and valuable.

    These are just some of our contributors and their work. See more expert insights from hundreds of financial professionals around the world in our Adviser Intel program.

    Adviser Intel Contributors

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      • Photo of contributor Joe Schmitz.

        Joe F. Schmitz Jr.

        Joe is the founder and CEO of Peak Retirement Planning, Inc., focusing on tax strategies, investment management, income planning, health care planning and estate planning for those in the 2% Club.

      • Photo of contributor Evan Beach.

        Evan T. Beach

        Evan, founder of Exit 59 Advisory, is a CFP® professional and an IRS enrolled agent. His company specializes in helping retirees enjoy their money today without having to worry about running out tomorrow.

      • Photo of contributor Pam Krueger.

        Pam Krueger

        Pam is a recognized investor advocate and award-winning personal finance journalist and author. She is the founder and CEO of Wealthramp, which helps consumers and employees find vetted fiduciary financial advisers.

      • Photo of contributor Stephen Dunbar.

        Stephen B. Dunbar III

        Stephen is Executive Vice President of Equitable Advisors' Georgia, Alabama, Gulf Coast Branch. He is passionate about helping people align their finances with their values to build the legacy they want for future generations.

      • Photo of contributor Andrew Rosen.

        Andrew Rosen

        Andrew is President of Diversified LLC, where he helps clients achieve lifelong financial goals through personalized planning. With a passion for building lasting relationships, he combines deep industry expertise with a client-first approach.

      • Photo of contributor Neale Godfrey.

        Neale Godfrey

        Neale is a family financial pioneer and author of 29 books, including the No. 1 New York Times bestseller “Money Doesn’t Grow on Trees.” She has spent five decades empowering women and families to take control of their financial lives.

      • Photo of contributor Dennis Beaver.

        H. Dennis Beaver

        Dennis practices law in Bakersfield, Calif., and has been a syndicated columnist, as he puts it, "since I had hair!" His legal philosophy is simple: Level with your clients and do not treat them as a giant ca-ching on a cash register.

      • Photo of contributor Cliff Ambrose.

        Cliff Ambrose

        Cliff leads Apex Wealth, a boutique retirement planning and wealth management firm, with a focus on family-office style solutions. His practice integrates investment management, tax planning, estate strategies and insurance solutions.

      • Photo of contributor Daniel Goodwin.

        Daniel Goodwin

        Daniel is the Chief Investment Strategist at Provident Wealth Advisors, a Registered Investment Advisory firm. Daniel’s gift is making the complex simple and encouraging families to take steps today to pursue financial goals of tomorrow.

      • Photo of contributor Brian Skrobonja.

        Brian Skrobonja

        Brian, a Chartered Financial Consultant and Certified Private Wealth Advisor with over 30 years of experience, is the author of three books and host of the Common-Sense Financial™ podcast.

      • Photo of contributor Ken Nuss.

        Ken Nuss

        Ken, founder and CEO of AnnuityAdvantage, launched the leading online provider of fixed-rate, fixed-indexed and income annuities in 1999 to help consumers compare products. He is a widely published and nationally recognized annuity expert.

      • Photo of contributor Tony Drake.

        Tony Drake

        Tony received his insurance licenses, post-graduate certificate from DePaul University and CFP® designation. With more than 20 years of experience in the financial industry, he focuses on asset preservation, retirement planning and tax reduction.

    The Latest

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    Could an Annuity Be Your Retirement Safety Net?

    More people are considering annuities to achieve tax-deferred growth and guaranteed income, but deciding if they are right for you depends on these key factors.

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      Meet the World's Unluckiest — and Entitled — Porch Pirate

      This teen swiped a booby-trapped package that showered him with glitter, and then he hurt his wrist while fleeing. This is why no lawyer will represent him.

      By H. Dennis Beaver, Esq.

    • A man works on paperwork with a calculator, only his torso showing.

      Year-End Retirement Tax Planning Actions if You Have $1 Million or More

      Consider implementing these four strategies before December 31 to potentially improve your tax situation for this year and the future.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

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      3 Year-End Tax Strategies for Retirees With $2M to $10M

      To avoid the OBBB messing up your whole tax strategy, get your Roth conversions and charitable bunching done by year's end.

      By Evan T. Beach, CFP®, AWMA®

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      Uber Takes Aim at the Bottom Lines of Billboard Lawyers

      Uber has filed lawsuits and proposed a ballot initiative, in California, to curb settlements it claims are falsely inflated by some personal injury lawyers.

      By H. Dennis Beaver, Esq.

    • A group of adults facing away from the camera raise their hands.

      Who Hates Taxes? The Best Time to Plan for Them Is Right Now

      By creating a tax plan, you can keep more of what you've earned and give less to Uncle Sam. Here's how you can follow the rules and pay only your fair share.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A woman tears a hole through bubble wrap as if it's blocking her view.

      Bubble-Wrapping Our Kids Robbed Them of Resilience. Now What?

      By raising them to think they're amazing no matter what and lifting them over obstacles, we left them unprepared to work in the real world.

      By Neale Godfrey, Financial Literacy Expert

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      How to Make the Most of Your Charitable Giving on a Budget

      Maximizing the charitable donations you plan to make this year can help your financial plan stay on track and help give the most to the causes you care about.

      By Tony Drake, CFP®, Investment Advisor Representative

    • A shopper looks surprised as she looks at her receipt in a grocery store.

      When Checkout Charity Gets Uncomfortable (Maybe Even Illegal)

      Cashiers asking customers to "round up" their total for charity can cross an ethical line if there's no disclosure about the benefiting organization.

      By H. Dennis Beaver, Esq.

    • Clients speak with an adviser in his office.

      Here's What Being in the 2% Club Means for Your Retirement

      Only 2% of the population has both a pension and more than $1 million saved. This is a great place to be, but also requires advanced tax planning.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A man squeezes a lemon wedge over a plate of fish and chips, only his hands showing.

      Fish and Chips? More Like Fish and a Side of Customer Anger

      You expect chips — French fries, actually — to come with your order of fish and chips? Think again. This restaurant seemed to be violating truth-in-menu laws.

      By H. Dennis Beaver, Esq.

    • Several houses made from dollar bills are lined up.

      This High-Performance Investment Vehicle Can Pump Up Wealth

      Leave online real estate investing to the beginners. Accredited investors who want real growth need the wealth-building potential of Delaware statutory trusts.

      By Daniel Goodwin

    • An older couple looking stressed console each other.

      A Nightmare for Parents: Navigating Tenant Rights in a Crisis

      This family's story illustrates how important it is to get help sooner rather than later and highlights the complexities of tenant rights and legal protections.

      By H. Dennis Beaver, Esq.

    • An artsy presentation of the number seven.

      I'm a CFP: These Are the Seven Tiers of Retirement Well-Being

      Let's apply Maslow's hierarchy of needs to financial planning to create a guide for ranking financial priorities.

      By Andrew Rosen, CFP®, CEP

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      A Compelling Case for Why Property Investing Reigns Supreme

      Investment data show real estate's superior risk-adjusted returns and unprecedented tax advantages through strategies like 1031 exchanges and opportunity zones.

      By Daniel Goodwin

    • An older woman smiles while she sits in a shop and looks at her phone.

      Retired? How to Drop the Guilt and Spend Your Nest Egg

      Transitioning from a lifetime of diligent saving to enjoying your wealth in retirement tends to be riddled with guilt, but it doesn't have to be that way.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

    • A businessman wearing a costume bunny head and white gloves.

      Separate the Pros and Pretenders: Do You Have a Great Adviser?

      Do you leave meetings with your financial adviser feeling as though you've been bulldozed into decisions or you're unsure of what you're paying for?

      By Pam Krueger

    • A bolt hole in a wooden floor.

      Why Judge Judy Says Details Are Important in Contracts

      A couple's disastrous experience with reclaimed wood flooring led to safety hazards and a lesson in the critical importance of detailed contracts.

      By H. Dennis Beaver, Esq.

    • A father and son talk at the dining room table.

      How You Can Guide Your Heirs Through the Great Wealth Transfer

      Focus on creating a clear estate plan, communicating your wishes early to avoid family conflict, leaving an ethical will with your values and wisdom and preparing them practically and emotionally.

      By Stephen B. Dunbar III, JD, CLU

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      Retail Strategy Creates a Pickpockets' Paradise in Supermarkets

      Some stores regularly rearrange inventory with the aim of increasing purchases, and they're creating opportunities for thieves to steal from customers.

      By H. Dennis Beaver, Esq.

    • Gold and silver piggy banks facing each other against a purple background.

      Two Alternatives to Required Minimum Distributions (RMDs)

      required minimum distributions (RMDs) If the thought of paying taxes on your RMDs is stressing you out, consider these two options to save on taxes and anxiety.

      By Joe F. Schmitz Jr., CFP®, ChFC®, CKA®

      required minimum distributions (RMDs)
    • An older man looks over paperwork while sitting at his desk.

      Six Financial Actions to Take the Year Before Retirement

      Having your income, health care and tax plans in place before you exit the day job can make it more likely that you'll have a happy retirement.

      By Evan T. Beach, CFP®, AWMA®

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      A 'Fast, Fair and Friendly' Fail: Farmers Irks Customers With Its Handling of a Data Breach

      Farmers Insurance is facing negative attention and lawsuits because of a three-month delay in notifying 1.1 million policyholders about a data breach. Here's what you can do if you're affected.

      By H. Dennis Beaver, Esq.

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      This 1031 Exchange Strategy Can Triple Your Cash Flow

      Savvy investors can use 1031 exchanges to unlock value by moving capital across markets in a play called geographic arbitrage. These tax implications can make or break the strategy.

      By Daniel Goodwin

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      Five Things I Wish I'd Known Before I Retired

      Not only can these insights save you a boatload of stress later in life, but they can help ensure that you have a happy retirement.

      By Pam Krueger

    • A man's hand reaches for a very tall stack of cash.

      The Spendthrift Trap: Here's One Way to Protect Your Legacy From an Irresponsible Heir

      A spendthrift clause in an estate plan can protect an inheritance from a financially irresponsible child's debts and poor decisions.

      By H. Dennis Beaver, Esq.

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      Dealing With a Bad HOA Board? This Book Could Be Your Battle Plan

      'Bad HOA' by Luke Carlson empowers homeowners to push back against unfairness, offering advice on dealing with challenging homeowners associations (HOAs).

      By H. Dennis Beaver, Esq.

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      Retirement Reality Check: The Numbers Look Bleak for Many Boomers (and What You Can Do About It)

      Your retirement probably won't look like your parents' retirement, thanks in part to rising costs . Here are some ways to assess your finances to get yourself into a better financial position.

      By Neale Godfrey, Financial Literacy Expert

    • Here's Why You Shouldn't Put All Your Money Into Roth IRAs

      Converting a tax-deferred account to a Roth can be a good strategy for lowering future taxes, but moving all of your money at once is typically not recommended.

      By Joe F. Schmitz Jr., CFP®, ChFC®

    • A financial adviser answers an older couple's questions at a conference room table.

      I'm a CFP: Here's What You Should Do if Your Financial Adviser's Firm Gets Acquired

      You've had the same financial adviser for a long time, but things are changing. Now what? Stay the course, or jump ship? Five questions could help you decide.

      By Evan T. Beach, CFP®, AWMA®

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