Is AI emerging as a low-cost, conflict-free, fee-only advisor?

AI, particularly AI with deep research options (e.g., Perplexity, Gemini, Grok, etc.), can handle the most complex questions and provide amazing answers.  Perplexity Pro (free for iitm users) even has an option to search from only academic sources, which I use if I ask it health-related questions. Please note: I fully understand that AI can…

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Steps to minimize risk in your investment portfolio

Investors get jittery and unsure what to do when the stock market is overheated or when the stock market goes nowhere. Here is a simple market-independent strategy via systematic risk reduction that would be far more productive. Why? We have no control over market returns. Yes, asset allocation with regular rebalancing and diversification within each…

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Why every earning individual must take term insurance – a real-life lesson

Life has a strange way of teaching us lessons: through wisdom, for some, and through heartbreak. Today, I’m sharing a deeply personal story. It’s not fiction. It’s not borrowed. It’s real. This story continues to haunt me because I witnessed it unfold before my eyes—and I wish it had had a different ending. About the…

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Personal finance tips for entrepreneurs and small business owners

Most personal finance content implicitly assumes the reader is salaried and can access monthly fresh cash flow. We all know that the number of entrepreneurs and small business owners has significantly increased over the last few years. So have freelancers or jig economy participants. Here are essential personal finance tips for such folk. 1 Cash…

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