Asset allocation is the deliberate mix of stocks, bonds, cash, real estate, and other holdings tailored to your goals, timeline, and risk tolerance. It's essential for retirement planning and everyday financial decisions.
Many people become financial advisers after personal encounters with debt. The role demands education and licensing, but it lets advisers use empathy, technical knowledge, and modern tools to help clients reduce debt, save more, and plan for the future.
If you remember Waterhouse, the core broker choices still matter. This update explains modern platforms, zero-commission trends, account types, security, and how to confirm what happened to the Waterhouse brand.