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The Latest Breaking News from The Free Financial Advisor

IRS Announces 27 States Have Opted Into New Federal Scholarship Tax Credit Program

The Internal Revenue Service announced that 27 states have elected to participate in the Federal Scholarship Tax Credit (FSTC) program, a new federal initiative that allows eligible taxpayers to claim a tax credit for contributions made to qualifying scholarship organizations.

The Free Financial Advisor

Your Employer May Match Student Loan Payments in 2026—But Only Up to the 401(k) Deferral Limit

Under SECURE 2.0, employers can choose to treat qualified student loan payments as though they were 401(k) contributions when calculating matching retirement contributions. However, the amount of loan payments eligible for matching generally cannot exceed the annual elective deferral limit, which rises to $24,500 in 2026. That makes it important…

The Free Financial Advisor

7 OregonSaves Rules Every New Oregon Employer Should Know Before the July 31 Deadline

OregonSaves became the nation’s first state-facilitated retirement savings program in 2017 and now has more than 120,000 participating workers and billions of dollars in retirement assets under management, giving employees without workplace retirement plans an easy way to save through payroll deductions. For many new Oregon employers, July 31 marks…

The Free Financial Advisor

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White House Orders Labor and SEC to Make Private Equity and Real Estate Available in 401(k)s—What Fiduciaries Should Watch

According to the Investment Company Institute, Americans hold roughly $12 trillion in defined-contribution retirement plans, making even small changes to investment menus potentially significant for millions of workers.

The Free Financial Advisor

New IRS Guidance Makes Direct Primary Care HSA-Eligible—But Monthly Limits Still Apply

People enrolled in qualifying direct primary care (DPC) memberships received good news from the IRS. Beginning in 2026, many DPC membership fees can now be paid tax-free using Health Savings Account funds, and participating in an eligible DPC arrangement no longer automatically prevents someone from contributing to an HSA. The…

The Free Financial Advisor

Overdraft Fee Crackdown: New Protections Target Exploitative Charges That Hit Low-Income Customers

A single overdraft fee can turn an already tight budget into an even bigger headache. New York wants to change that with new consumer protections that take aim at banking practices that have long frustrated customers, especially those with lower or moderate incomes.

The Free Financial Advisor

Average Cardholder Could Save $220 a Year Under CFPB’s New $8 Late-Fee Rule

Missing a credit card payment has always felt like a double punch. First comes the stress of paying late, then comes a fee that can make an already tight budget feel even tighter. The Consumer Financial Protection Bureau wants to change that by cutting the typical late fee from $32…

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IRS Announces $15 Million Estate-Tax Exemption for 2026 and a $19,000 Annual Gift Exclusion—How to Plan Now

A new year often brings fresh tax rules, and 2026 delivers a few changes that could make estate planning a little less stressful for many families. The IRS has set the federal estate tax exemption at $15 million per individual and $30 million for married couples, while the annual gift…

The Free Financial Advisor

Saver’s Match Replaces Saver’s Credit in 2027—Eligible Workers Get a 50% Federal Match on the First $2,000

Retirement savings will look a little different starting in 2027, and for many workers, that change could bring a welcome boost. The long-running Saver’s Credit will step aside, making room for the new Saver’s Match, which sends a federal matching contribution directly into eligible retirement accounts instead of offering a…

The Free Financial Advisor

Unused 529 Money Can Roll Over to a Roth IRA—But Only If the Account Is 15 Years Old and You Spread the Transfer Over Five Years

A 529 plan rarely sits still forever anymore. New rules open a surprising path that moves unused education savings into a Roth IRA. This shift links college savings with retirement in a single strategy. Strict timing and transfer limits shape how and when money can move.

The Free Financial Advisor

Connecticut’s “Junk Fee” Law, Right-to-Repair Mandate and Auto-Renewal Requirements Take Effect July 1 — What Consumers Need to Know

Connecticut flips the switch on a trio of consumer-focused rules starting July 1, and the changes reach straight into everyday life. Fees that once quietly inflated final prices now face stricter transparency standards, while repair access and subscription cancellations also step into the spotlight. The goal behind these updates focuses…

The Free Financial Advisor

High Earners Must Make 401(k) Catch-Up Contributions as Roths in 2026 — How the New IRS Rule Changes Your Tax Breaks

Retirement saving just got a rule change that will quietly reshape how high earners build their nest egg starting in 2026. The IRS now requires many employees who make catch-up contributions after age 50 to route those extra savings into Roth accounts instead of traditional pre-tax ones. That shift sounds…

The Free Financial Advisor

Gray Divorce Quadrupled Since 1990 – Nearly Half of Divorcees Say It Derailed Their Retirement

Gray divorce has quietly reshaped retirement across the country, and the numbers tell a striking story. Since 1990, divorce among adults 65 and older has quadrupled, and nearly half of divorcees report that the split derailed their retirement plans. That shift does not just affect relationships, it reshapes budgets, housing…

The Free Financial Advisor

Seniors Are Making the Wrong Financial Decisions in the First 12 Months After a Spouse Dies

The first year after a spouse dies turns everyday money decisions into emotional landmines. Bills still arrive, accounts still exist, and paperwork suddenly demands attention from one person who never expected to handle it all alone. That combination of grief, urgency, and unfamiliar financial responsibility often leads to rushed decisions…

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The Free Financial Advisor

Buy Now, Pay Later Gets Regulated: New Rules Require Licensing, Disclosures and Fee Limits

Buy Now, Pay Later has become one of the fastest checkout buttons on the internet, but big changes have arrived. New York has stepped in with new rules that reshape how these services operate, bringing licensing requirements, stronger disclosures, and limits on fees. The goal focuses on adding structure to…

The Free Financial Advisor

VA Aid and Attendance Rules Older Veterans and Spouses Should Review

Getting older comes with its own set of curveballs, and for many veterans and surviving spouses, daily life can start to require a little extra help. That is exactly where VA Aid and Attendance steps into the picture, offering additional support layered onto existing VA pension benefits for those who…

The Free Financial Advisor

Not Updating Beneficiaries After Divorce Can Still Cost Families in 2026

Divorce paperwork often feels like the finish line, but certain financial details quietly keep running in the background. One of the most overlooked pieces is beneficiary designations on life insurance policies, retirement accounts, and other workplace benefits. Many people assume divorce automatically wipes an ex-spouse off those documents, but reality…

The Free Financial Advisor

Phone and Internet Discounts Seniors May Still Qualify For After ACP Ended

Affordable phone and internet access have become a necessity for daily life, especially for seniors who rely on connectivity for healthcare, family communication, and essential services. The Affordable Connectivity Program, widely known as ACP, once helped millions of households lower their monthly internet bills through federal support. However, that program…

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The Free Financial Advisor

Reverse Mortgage Questions Seniors Should Ask Before Using Home Equity

Reverse mortgages often get pitched as a way to unlock home equity during retirement, but the decision deserves careful attention. The structure of these loans can feel confusing, especially when lenders highlight benefits while downplaying risks. Seniors who rush into agreements without asking the right questions may expose themselves to…

The Free Financial Advisor

How to Find a Financial Advisor You Can Trust: A 2026 Step-by-Step Guide

Money decisions can shape everything from retirement plans to college savings and even everyday peace of mind. A great financial advisor can help create a roadmap for those goals, but finding someone trustworthy requires more than a quick online search. The financial world contains talented professionals, but it also includes…

The Free Financial Advisor

Vet Any Financial Advisor in 10 Minutes With These Two Free Government Tools

Money decisions can shape decades of financial progress, which makes choosing a financial advisor one of the most important decisions many people will ever make. A polished website, professional headshot, and confident sales pitch may look impressive, but appearances rarely tell the full story. Before handing over retirement savings, investment…

The Free Financial Advisor

15 States Now Automatically Enroll Eligible Workers in Retirement Accounts—Is Yours One of Them?

Roughly 57 million private-sector workers still don’t have access to a workplace retirement plan, according to retirement policy researchers. State auto-IRA programs were created to help close that gap.

The Free Financial Advisor

The State That Gives Newborns $3,200 to Build Wealth: Inside Connecticut’s First-in-the-Nation ‘Baby Bonds’

Each year, roughly 15,600 Connecticut newborns are expected to qualify for the program through HUSKY Health, making it one of the nation’s largest publicly funded wealth-building experiments. The program, known as Connecticut Baby Bonds, has attracted national attention because it tackles a problem that financial experts have discussed for decades.…

The Free Financial Advisor

Do You Still Need a Trust? Why the Permanent $15 Million Estate Exemption Changes the Math

The new permanent $15 million federal estate tax exemption means far fewer families will ever owe federal estate tax. In fact, experts estimate that only a tiny fraction of estates will be large enough to face the tax under the new law. But that doesn’t necessarily mean trusts have become…

The Free Financial Advisor

Fiduciary or Salesperson? The One Question That Reveals Who Your Advisor Really Works For

Millions of Americans rely on financial professionals to help manage retirement savings, investments, and long-term financial plans. Yet many consumers don’t realize that the title “financial advisor” isn’t legally defined the same way across the industry, and not every advisor is required to put a client’s interests first at all…

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