Justin Giles - Benzinga

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Articles by Justin Giles

Survey Reveals the Retirement Fear Holding Americans Back

Survey Reveals the Retirement Fear Holding Americans Back

Prudential finds 86% of retirees struggle to spend savings. Withdrawal strategies and clear plans can give clients confidence to enjoy retirement.

88% Of Global Fund Managers Are Rethinking Risk. Should You?

88% Of Global Fund Managers Are Rethinking Risk. Should You?

Fund managers are boosting stress testing as rates, liquidity and geopolitical risks rise, finding diversification may not protect portfolios in severe

Seven-Year Car Loans Hit a Record. Here’s What Advisors Should Ask Clients

Seven-Year Car Loans Hit a Record. Here’s What Advisors Should Ask Clients

Record car borrowing hits $44,664, with $787 payments and longer terms raising costs, prompting advisors to examine clients’ debt and savings goals.

72% Of Americans Are Doing This With Their Money

72% Of Americans Are Doing This With Their Money

Lifemaxxing shifts financial planning toward enjoying meaningful experiences today while balancing savings and long-term goals.

Fidelity: Retirement Accounts Just Hit Record Highs

Fidelity: Retirement Accounts Just Hit Record Highs

What a difference a few months can make. After a brutal first quarter, investors had plenty of reasons to second-guess their retirement plans as markets tumbled amid the war with Iran. But most retirement savers did

68% of Advisory Firms Now Use AI. The Real Question Is What's Next

68% of Advisory Firms Now Use AI. The Real Question Is What's Next

AI is moving beyond efficiency for advisors, enabling advanced estate planning, smarter client targeting and practice growth.

AI Vs. Advisors: The Retirement Test

AI Vs. Advisors: The Retirement Test

AI can suggest retirement strategies, but advisors add value by asking key questions, spotting risks and tailoring plans to real-life circumstances.

US Debt Hits $40 Trillion: What It Means For Your Money

US Debt Hits $40 Trillion: What It Means For Your Money

The U.S. has reached a record $40 trillion in national debt, impacting borrowing costs, inflation, taxes, and retirement programs. Advisors should prepare for potential ripple effects on household finances.

The Back-To-School Money Trap Is Worse Than You Think

The Back-To-School Money Trap Is Worse Than You Think

Americans' financial anxiety can lead to overspending due to social pressure and emotional concerns, as seen in back-to-school shopping.

The $109K Retirement Gap — State-By-State Breakdown

The $109K Retirement Gap — State-By-State Breakdown

Retirement savers stayed the course despite market volatility, but location may determine if savings will be enough. Advisors must consider variables beyond savings.

Americans Still Don't Trust AI With Their Money

Americans Still Don't Trust AI With Their Money

Most Americans still trust human advisors over AI for financial decisions, even as younger investors adopt tools like ChatGPT—shifting advisors’ roles toward interpreting AI guidance rather than competing with it.

When Playing It Safe Becomes the Biggest Risk

When Playing It Safe Becomes the Biggest Risk

Uncertainty is influencing decision-making for both individuals and companies. Advisors who help clients balance opportunity with risk are valuable.

Americans Kept Saving For Retirement Even As Markets Got Rocky

Americans Kept Saving For Retirement Even As Markets Got Rocky

Fidelity's Q1 retirement analysis shows most savers stayed the course despite market volatility and uncertainty. Consistent saving habits are key.

The $1.2 Million Retirement Problem

The $1.2 Million Retirement Problem

Fidelity's retirement data shows record balances & contributions, but Schroders' survey reveals many feel unprepared due to rising costs & behavioral challenges. Advisors can help bridge the gap.

The Next Generation Is Rewriting The Rules Of Investing

The Next Generation Is Rewriting The Rules Of Investing

Shifting investment trends among wealthy Gen Z and Millennials as they question traditional portfolios, turning to alternative investments and emerging technologies.

Gen Z Wants Financial Literacy. Where They're Getting It Might Surprise You.

Gen Z Wants Financial Literacy. Where They're Getting It Might Surprise You.

Survey shows high school students eager to learn about personal finance, with gaps in investing, retirement, and taxes. Advisors must educate earlier.

Blackrock Survey Reveals Americans Looking Beyond Savings For Retirement

Blackrock Survey Reveals Americans Looking Beyond Savings For Retirement

Retirement optimism is on the rise thanks to growing 401(K) balances, but a new report shows a gap between perception and reality for many worker

Fed Report: Household Financial Anxiety Hits Highest Level Since 2022

Fed Report: Household Financial Anxiety Hits Highest Level Since 2022

Americans increasingly worried about finances as affordability remains top concern, financial literacy declines and more retirees return to work.

New Projections Show Social Security Could Be Depleted By 2032: Report

New Projections Show Social Security Could Be Depleted By 2032: Report

Household spending and saving remains steady but confidence is declining. Social Security reliability should be considered in retirement planning.

Americans Got Less Than Half Of Financial Literacy Questions Right — The Worst Score Ever Recorded: Survey

Americans Got Less Than Half Of Financial Literacy Questions Right — The Worst Score Ever Recorded: Survey

Americans' top financial concern is affordability, but a TIAA study suggests growing financial anxiety due to decreasing financial literacy. Advisors should confirm understanding to prevent mistakes.