# financial advisor (blogs) — RSS Amplifier Recent posts from the 3 feeds in the RSS Amplifier directory that cover financial advisor. Page: Feed: --- ## [5 Lightning Safety Myths Singaporeans Still Believe | campus.sg](https://www.campus.sg/5-lightning-safety-myths-singaporeans-still-believe-campus-sg/) _2026-08-18 · Nina Gan · Campus Magazine_ On 5 July 2026, 24-year-old Mikhail Benyamin was out at sea off Pasir Ris Beach with a group of friends, kayaking and paddleboarding after a family picnic. As a freelance sea sports instructor, he’d done this a hundred times before. But here’s the part that should freak you out: witnesses said the skies were completely \[…\] The post 5 Lightning Safety Myths Singaporeans Still Believe | campus.sg… ## [How much gold does a beginner actually need? An expert weighs in](https://www.rwroge.com/2026/08/how-much-gold-does-a-beginner-actually-need-an-expert-weighs-in/) _2026-08-14 · Kelley · R. W. Rogé & Company_ Gold has long been viewed as a potential way to add diversification to an investment portfolio, but for someone new to investing in precious metals, deciding how much gold to own can be challenging. In a recent Business Insider article, “How much gold does a beginner actually need? An expert weighs in,” journalist Kit Pulliam \[…\] ## [Ghost Month 101: What Actually Happens | campus.sg](https://www.campus.sg/ghost-month-101-what-actually-happens-campus-sg/) _2026-08-13 · Nina Gan · Campus Magazine_ If you’ve walked past your void deck and seen little piles of joss sticks stuck into the grass, or see performance stages for getai being erected and a row of empty chairs at the front, you know that Ghost Month (or Hungry Ghost) in action. It’s one of those things most of us grew up \[…\] The post Ghost Month 101: What Actually Happens | campus.sg appeared first on Campus Magazine . ## [I Asked a Financial Advisor How I Can Dodge Tariffs and Save My Budget](https://www.rwroge.com/2026/08/i-asked-a-financial-advisor-how-i-can-dodge-tariffs-and-save-my-budget/) _2026-08-10 · Kelley · R. W. Rogé & Company_ A recent AOL article by Stephanie Mickelson, “I Asked a Financial Advisor How I Can Dodge Tariffs and Save My Budget,” explores how consumers can navigate the effects of tariffs, inflation, and other economic pressures that continue to push prices higher. The article looks at practical ways consumers may be able to make their budgets \[…\] ## [Everything You Should Know About the Perseid Meteor Shower This Week | campus.sg](https://www.campus.sg/everything-you-should-know-about-the-perseid-meteor-shower-this-week-campus-sg/) _2026-08-10 · Nina Gan · Campus Magazine_ One of the year’s most anticipated celestial events, the annual Perseid Meteor Shower, is set to return this month and peak overnight from 12 – 13 August 2026. Widely regarded as one of the most spectacular meteor showers of the year, observers may see up to 100 meteors per hour under ideal conditions, although actual numbers \[…\] The post Everything You Should Know About the Perseid Meteor Shower… ## [What Does Singapore’s Low Fertility Rate Have to Do With You? | campus.sg](https://www.campus.sg/what-does-singapores-low-fertility-rate-have-to-do-with-you-campus-sg/) _2026-08-08 · Nina Gan · Campus Magazine_ Your parents keep getting asked when you’re getting married. Turns out the whole country’s asking the same question, and the answer, so far, has been “not really, thanks.” In February 2026, Deputy Prime Minister Gan Kim Yong stood up in Parliament and confirmed what demographers had been quietly bracing for: Singapore’s resident total fertility rate \[…\] The post What Does Singapore’s Low Fertility… ## [Do You Need a Financial Advisor? Here’s How to Decide Based on Your Goals | campus.sg](https://www.campus.sg/do-you-need-a-financial-advisor-heres-how-to-decide-based-on-your-goals-campus-sg/) _2026-08-07 · Nina Gan · Campus Magazine_ Managing money becomes more complex as personal goals, responsibilities, and financial decisions continue to grow. Saving for future needs, investing wisely, and preparing for major life stages require careful planning and regular reviews. Some people prefer handling finances independently, while others seek professional support to organise different priorities. The decision depends on your goals,… ## [Why wouldn’t I?’ An ultra-low-fee adviser at a large firm promised me a balanced portfolio with market-beating returns. Why go anywhere else?](https://www.rwroge.com/2026/08/why-wouldnt-i-an-ultra-low-fee-adviser-at-a-large-firm-promised-me-a-balanced-portfolio-with-market-beating-returns-why-go-anywhere-else/) _2026-08-06 · Kelley · R. W. Rogé & Company_ A recent MarketWatch article by Alisa Wolfson, “‘Why wouldn’t I?’ An ultra-low-fee adviser at a large firm promised me a balanced portfolio with market-beating returns. Why go anywhere else?” explores a question many investors ask when comparing financial advisors: If a large investment firm offers low-cost portfolio management, why choose to work with an independent \[…\] ## [I Asked 4 Financial Advisors What They’d Do With a $50K Windfall](https://www.rwroge.com/2026/08/i-asked-4-financial-advisors-what-theyd-do-with-a-50k-windfall/) _2026-08-04 · Kelley · R. W. Rogé & Company_ When people receive an unexpected financial windfall, one of the first questions they ask is, “What’s the smartest thing to do with it?” In a recent MoneyLion article, “I Asked 4 Financial Advisors What They’d Do With a $50K Windfall,” journalist Gabrielle Olya explores that question by asking several financial advisors how they would personally \[…\] ## [The Science of Thai BL’s Most Dreaded Episode 11 | campus.sg](https://www.campus.sg/the-science-of-thai-bls-most-dreaded-episode-11-campus-sg/) _2026-08-03 · Nina Gan · Campus Magazine_ If you’ve ever binged a Thai BL series with your group chat, you already know the drill. Everything’s going great — the leads are finally soft for each other, the fanservice is peak, you’re living your best life — and then Episode 11 drops. Cue the breakup. The misunderstanding. The ex who suddenly resurfaces. The \[…\] The post The Science of Thai BL’s Most Dreaded Episode 11 | campus.sg appeared… ## [8.1% APY Plus Free Stock (Sponsored)](https://crawlproof.com/a/kxogZ4PSXbFT) _2026-08-03 · **Sponsored**_ Claim 8.1% APY and up to $1,030 in SK hynix and Nvidia stock. ## [Applying Rebel Finance School in NZ](https://www.thehappysaver.com/blog/applying-rebel-finance-school-in-nz) _2026-08-02 · Ruth · Blog - The Happy Saver_ For seven years in a row, I’ve watched the free online money course, Rebel Finance School. For the last couple of years, I’ve joined course creators Alan and Katie Donegan for a Kiwi-specific session. The entire 10-week, self-paced course is the money education you never got. I can’t recommend it highly enough. Thousands have already watched the Kiwi-specific session, but I knew it would be… ## [The Bad Financial Advice Your Parents Gave You That’s Actually Costing You Money](https://www.rwroge.com/2026/07/the-bad-financial-advice-your-parents-gave-you-thats-actually-costing-you-money/) _2026-07-31 · Kelley · R. W. Rogé & Company_ Some of the earliest financial lessons we learn come from our parents. Advice like “pay off your mortgage as quickly as possible,” “avoid debt,” and “buy income-producing investments” has shaped generations of investors. While many of these principles were sound when they were first passed down, today’s financial landscape is very different than the one \[…\] ## [A Letter of Gratitude as We Celebrate 40 Years](https://www.rwroge.com/2026/07/a-letter-of-gratitude-as-we-celebrate-40-years/) _2026-07-28 · Kelley · R. W. Rogé & Company_ A Letter of Gratitude as We Celebrate 40 Years Forty years ago today, on July 28, 1986, my father, Ronald W. Rogé, founded R.W. Rogé & Company with a simple belief: financial advice should begin with the client’s best interests. Over the past four decades, the financial planning profession has changed tremendously. Markets have risen \[…\] ## [Why Your Financial Plan Should Never Be “Finished”](https://www.rwroge.com/2026/07/why-your-financial-plan-should-never-be-finished/) _2026-07-23 · Kelley · R. W. Rogé & Company_ Your comprehensive financial plan is finished. Congratulations! You’ve spent weeks gathering tax returns, investment statements, retirement account balances, insurance information, and estate planning documents. You’ve had thoughtful conversations about your goals, discussed retirement, reviewed cash flow, evaluated taxes and investments, considered estate planning, insurance, and legacy goals.… ## [I’m a Financial Planner: 4 ‘Wealth-Building’ Habits That Don’t Always Deliver](https://www.rwroge.com/2026/07/im-a-financial-planner-4-wealth-building-habits-that-dont-always-deliver/) _2026-07-20 · Kelley · R. W. Rogé & Company_ Many of the financial habits people believe will help them build wealth can actually limit long-term financial success when applied without context. In a recent article featured in MoneyLion, AOL.com, and MSN.com, titled “I’m a Financial Planner: 4 ‘Wealth-Building’ Habits That Don’t Always Deliver,” journalist Martin Dasko explores several common strategies that financial professionals frequently… ## [Hurry Up and Wait](https://www.thehappysaver.com/blog/hurry-up-and-wait) _2026-07-19 · Ruth · Blog - The Happy Saver_ I've been feeling a little frustrated lately. I'm sitting in my living room, laptop on my lap, gazing out at the snow-capped Old Man Range. Things aren’t going badly, quite the opposite. Our investments have passed $800,000, our emergency fund is full, and Jonny is about to finish his graphic design job for good. We’re CoastFI and tantalisingly close to financial independence, but not quite there… ## [Macro Releases And Crypto: How Rates, the Dollar, and Risk Sentiment Show Up in Flows](https://www.rwroge.com/2026/07/macro-releases-and-crypto-how-rates-the-dollar-and-risk-sentiment-show-up-in-flows/) _2026-07-09 · Kelley · R. W. Rogé & Company_ Cryptocurrency has come a long way from being viewed as an investment that moved independently of the rest of the financial markets. Today, many of the same economic forces that influence stocks and bonds, including interest rates, inflation, the strength of the U.S. dollar, and investor confidence, can also have a meaningful impact on digital \[…\] ## [SpaceX IPO? Remember That?](https://www.thehappysaver.com/blog/spacex-ipo-remember-that) _2026-07-05 · Ruth · Blog - The Happy Saver_ I know that by now the fuss over the mid June 2026 SpaceX IPO has died down, but that is exactly why I waited a few weeks to write about it. Successful investing is mostly about ignoring the noise, but sometimes that is easier said than done. Now that it's well out of the headlines, and so that you can recognise a storm in a teacup next time one appears, I want to dig into what happens to your ETF… ## [Steven Rogé Joins Gregory Wilnau on Financial Planner Search Podcast to Discuss Generational Wealth](https://www.rwroge.com/2026/07/steven-roge-joins-gregory-wilnau-on-financial-planner-search-podcast-to-discuss-generational-wealth/) _2026-07-02 · Kelley · R. W. Rogé & Company_ Our Chief Investment Officer and CEO, Steven M. Rogé, joined creator of the Financial Planner Search podcast, Gregory Wilnau, to discuss the philosophy that has guided R.W. Rogé & Company for nearly 40 years and how comprehensive financial planning helps clients navigate every stage of life. During the conversation, Steven shared the story behind our firm’s founding \[…\] ## [The Happy Saver Turns 10: Giveaways, Gratitude and Your Wins](https://www.thehappysaver.com/blog/the-happy-saver-turns-10) _2026-06-21 · Ruth · Blog - The Happy Saver_ I know your time is important, and over the years I’ve taken up a fair bit of it, ten years in fact! Yes, The Happy Saver is 10 years old. This blog post is packed with gratitude, giveaways, and a celebration of your wins, because you haven’t just read my blog; many of you have changed your lives. I want to say a heartfelt thank you to you for being part of The Happy Saver, and to the Kiwi… ## [Home Internet From Space (Sponsored)](https://crawlproof.com/a/YkGzLd4eM5Ws) _2026-06-21 · **Sponsored**_ Residential satellite internet that brings connectivity to homes beyond conventional networks ## [Ten Years Later: What KiwiSaver Taught Me](https://www.thehappysaver.com/blog/ten-years-later-what-kiwisaver-taught-me) _2026-06-07 · Ruth · Blog - The Happy Saver_ Ten years ago, on the 6th of June 2016, I published my very first blog post. It was about KiwiSaver. In that first month, I also wrote about Gold, Credit Cards and Kids and Money. And it's fair to say my thoughts have changed somewhat. I’ve sold our gold, cancelled our credit card, and spent the last ten years ensuring our ‘kid’, who is now a young adult, knows all about how money works. And what… ## [Jonny’s Take: Becoming Debt-Free Changed Everything](https://www.thehappysaver.com/blog/jonnys-take-becoming-debt-free-changed-everything) _2026-05-24 · Ruth · Blog - The Happy Saver_ Jonny has been thinking a lot about money, work, health, and what really matters lately. In this story, he shares his honest take on what becoming debt-free has made possible for our family, from paying off the mortgage to stepping back from full-time work and creating more freedom, flexibility, and breathing room in life. He also talks about why couples don’t both need to love spreadsheets or… ## [Our Coast FI Plan: Keep the House, Invest Less](https://www.thehappysaver.com/blog/our-coast-fi-plan) _2026-05-10 · Ruth · Blog - The Happy Saver_ After years of prioritising investing, we’ve made a decision that feels both strange and surprisingly freeing: we’re keeping the house, cutting right back on how much we invest, and letting time in the market do more of the work. For a while, downsizing looked like the logical next step. Sell the house, invest the difference, and fast-track our way to full financial independence. But the more we… ## [Which providers offer a Total World Fund in NZ?](https://www.thehappysaver.com/blog/which-providers-offer-a-total-world-fund-in-nz) _2026-04-26 · Ruth · Blog - The Happy Saver_ I am writing this blog post because I am constantly asked where you can purchase a Total World ETF from in New Zealand: “Could I use Smart or InvestNow?” “Sharesies, or a sharebroker?” Once you understand that low fees and broad diversification matter, i.e. buying the whole global share market instead of picking stocks or countries, you land in a new kind of confusion… where to buy. This post is… ## [Succession planning: Deciding where your money goes](https://www.thehappysaver.com/blog/succession-planning-deciding-where-your-money-goes) _2026-04-12 · Ruth · Blog - The Happy Saver_ For some, the question of leaving a monetary inheritance will crop up at some point. What do you do with your money once you die? When it comes to inheritance, Jonny and I are pragmatic and have a very simple plan: it goes to our daughter, and she can use it however she sees fit. In some ways, we have it easy. She is next in line, so it feels logical that we would leave her our money. But a recent… ## [Buckle up - here we go again!](https://www.thehappysaver.com/blog/buckle-up-here-we-go-again) _2026-03-29 · Ruth · Blog - The Happy Saver_ This week, I wanted to go back in time, six years back to March 15, 2020, when the world was in turmoil. Again. At that time, I wanted to address your concerns about the global crises, particularly around COVID. I took the time to write a blog post about it, and today, I’ve summarised the key points and added an update. Because, surprise, surprise, here we go again, folks! ## [Someone Call an Ambulance](https://www.thehappysaver.com/blog/someone-call-an-ambulance) _2026-03-15 · Ruth · Blog - The Happy Saver_ We’ve had a bit of drama recently, meaning all of our 2026 plans are currently up in the air. Jonny had a serious accident; he fell off the ladder, breaking his arm and fracturing his pelvis in four places. After eight days in hospital, he’s now home resting and beginning what will hopefully be a full recovery. One thing he said to me while in hospital really stuck: “Well, at least money is the… ## [JL Collins Goes Global - And Why That Feels Familiar](https://www.thehappysaver.com/blog/jl-collins-goes-global-and-why-that-feels-familiar) _2026-03-01 · Ruth · Blog - The Happy Saver_ The financial clouds parted the day I picked up the 2016 edition of The Simple Path to Wealth by JL Collins. Instead of picking and choosing individual companies, just buy them all in one tidy package: an ETF or index fund - the simple path to wealth. For years, JL Collins has been known for one beautifully simple idea: Buy VTSAX and chill. VTSAX is an American index fund holding 100% U.S.… ## [Explain It To Me FAST!](https://www.thehappysaver.com/blog/explain-it-to-me-fast) _2026-02-15 · Ruth · Blog - The Happy Saver_ If you’ve ever listened to a money podcast, read a finance blog or chatted with that one friend who’s suddenly “really into investing”, you’ve probably heard a whole bunch of money words thrown around. People nod. No one wants to look dumb. And quietly, many think: I should probably understand what that means… So this post is for you. Here are plain-English explanations of the money words that… ## [$1.71 Million Net Worth: Our 2025 Money Update](https://www.thehappysaver.com/blog/our-2025-money-update) _2026-02-01 · Ruth · Blog - The Happy Saver_ At the start of every year, I open one spreadsheet that tells the story of a decade of choices. Updating our net worth spreadsheet helps me see where we’ve been, and where we might be heading. These annual check-ins matter, and I genuinely enjoy this process. 2025 was a good financial year for us, driven primarily by consistent investing in the share market through our ETF and, to a lesser extent,… ## [Marketplace for AI-Powered Professionals (Sponsored)](https://crawlproof.com/a/tPrA2Qucpnf8) _2026-02-01 · **Sponsored**_ Find professionals who use ChatGPT, Copilot, and Claude to deliver work faster. ## [Debt-Free at 18: The Money Systems We Put in Place Years Before University](https://www.thehappysaver.com/blog/the-money-systems-we-put-in-place-years-before-university) _2026-01-18 · Ruth · Blog - The Happy Saver_ Our daughter is leaving home, off to Otago University. I’m so looking forward to her finding her next steps, but I will miss her terribly. She is ready to go! And, I’m not going to lie, I am looking forward to a tidier house. As we adjust to a new phase of long-distance parenting, I’m pretty determined to make one last push to get her as financially ready as we can for the big, wide world. I’ve… ## [Christmas Giveaway!](https://www.thehappysaver.com/blog/christmas-giveaway-2025) _2025-12-14 · Ruth · Blog - The Happy Saver_ Once again, we’re celebrating the festive season with a special Christmas Giveaway for the fabulous people who subscribe to The Happy Saver. Thank you so much for your ongoing support throughout 2025. Nothing says CHRISTMAS like getting your finances in good shape, whether that’s through a brilliant money book, some powerful budgeting software, a handy investment tool, or even a boost to the… ## [The One Habit That Builds Wealth](https://www.thehappysaver.com/blog/the-one-habit-that-builds-wealth) _2025-12-14 · Ruth · Blog - The Happy Saver_ Invest first. Pay your bills second. Spend what remains. I recently watched a video featuring a group of people in their 80s discussing money. One of their biggest regrets? Not investing small amounts consistently throughout their lives. I meet many people who feel they have “done everything right”: paid their bills, avoided debt, managed a mortgage, and contributed to KiwiSaver. Yet when it comes… ## [Answering the Money Questions Readers Email Me About](https://www.thehappysaver.com/blog/answering-the-money-questions-readers-email-me-about) _2025-11-30 · Ruth · Blog - The Happy Saver_ I’ve been hitting “reply” to as many emails as I can this week. If you write to me, I will write back, but due to the volume of emails I get, there is often a delay. I respond to every single email because the questions asked are so valid and important to the person doing the asking. Every email is different, weaving together a set of circumstances in a new way, so I provide a bespoke response… ## [Meet, Learn, Laugh: Your Guide to FI Retreats](https://www.thehappysaver.com/blog/your-guide-to-fi-retreats) _2025-11-16 · Ruth · Blog - The Happy Saver_ Did you know there are retreats and conferences just for people chasing financial independence? Think of them as adult money camps - part learning, part laughter, part deep conversation (money and otherwise) with new friends. No, I’m not running one, nor selling one, but I’ve been lucky enough to attend a few, and they’ve been life-changing. People often ask how I find out about them and which… ## [How We (and Our Daughter) Plan to Pay for University Without a Student Loan](https://www.thehappysaver.com/blog/how-we-and-our-daughter-plan-to-pay-for-university-without-a-student-loan) _2025-11-02 · Ruth · Blog - The Happy Saver_ Well, the moment has arrived. The tiny five-year-old who started Primary School back in 2012 has just turned 18 and completed her final day of Year 13 at High School. Just. Like. That! I was warned that time would pass quickly, and it has. She has a few exams to get through, then she is done with school for good and can enjoy a few well-deserved weeks of R&R. Once the weather heats up, she will…