Time waits for no one. These wise words apply to all areas of life, from catching the bus to catching up on your 401(k). Perhaps no one knows this lesson more deeply than the person who didn’t start saving early for retirement.

“FIRE” is the nickname for the “Financial Independence, Retire Early” approach to personal finance. In practice, FIRE is a combination of financial planning strategies and lifestyle decisions that (hopefully) lead to financial independence years before reaching conventional retirement age.

What is a CFP and what do they do? The term “CFP” stands for Certified Financial Planner. These are financial services professionals who have passed a rigorous series of seven courses on various aspects of personal financial planning and passed a challenging exam.

The robo-advisor revolution is having a massive effect on how people handle their money – especially for Millennials and “the digital native” generation who grew up with smartphones in their hands. Artificial intelligence and robo-advisor technology have helped democratize investment advice and management.

Financial advisors are professionals whose job is to provide accurate and timely advice about financial strategies and products and to help you achieve your financial goals. But choosing a financial advisor isn’t easy.