By John Doe December 11 2017

Our Ultimate List: 101 Financial Planning Blog Post Ideas

When you’re coming up with financial blog post ideas, it is important to think about the reasons that financial planning blogs are important to your readers, and what you hope to help them achieve with your blog topics. Financial blog ideas can be vast and varied, and as a financial coach your blog ideas should be meant to inform and educate your blog’s followers.

Try to consider your reader’s point of view: they have little to no experience in finance, they are perhaps looking for guidance with their first major financial decisions, and they have turned to you for helpful tips and knowledge that will help them make these important fiscal choices. If you try to explain your blog topics to the average taxpayer in terminology and lingo that can be easily understood, you will gain a multitude of financial planning blog followers simply by removing the mystery from the financial planning blog ideas.

Financial Advisor Blog Ideas

Some of the topics that you may want to consider writing about as a financial advisor can be as in-depth or as broad as you choose. Here is a basic list of ideas to get you started on some financial advisor blog ideas:

 

  1. The top 5 Mistakes you should avoid when selecting a financial planner. These could include hiring a financial planner based on referral only, hiring a financial planner on yields that are older than 12 months, and hiring a financial planner because of a pre-existing relationship instead of your financial needs at the current time.

 

  1. Five really obvious ways to save money better than you did. This could talk about some of the opportunities to save that weren’t taken at a young age, such as the company matched 401K accounts, and not putting a certain percentage of each paycheck into a savings account via direct deposit, so that the money wasn’t missed.

 

  1. Five credit mistakes you should never make. These could include allowing charge offs on debt accounts, credit cards, and medical bills.  It could also include being late on utility payments month after month as they report this to the credit bureaus.
  1. How to vacation on a budget: Follow these three tips from stay at home moms. These could include taking advantage of coupons, using the round up feature to put money into savings accounts without missing it, and brown bagging the entire families lunch to save for vacation.

 

  1. How to go broke in under a year. The key points in this blog idea could be spending money on big ticket items that don’t hold value such as flashy cars with no resale value, items such as clothing and shoes, and wasting money on MLM and pyramid schemes.

 

  1.  When are you truly ready to purchase a home?  The supporting points could discuss how long you’ve been on your job, if you are able to obtain financing from your financial institution, or will you need to seek outside loan support, and what other outstanding debts do you have in addition to your potential house payment?

 

  1. Tax reasons for investing in solar panels. What are the tax breaks given for installing the solar panels at the time of installation?  How many years will the homeowner receive a credit on their tax bill for having solar panels installed on their home?

 

  1. How to manage a household on a budget. Discuss the major ways to buy generic products without noticing it, the best ways to save money on utility bills, and how to make small changes in the amount that you save without feeling it at all in your budget.

 

  1. Who should inherit your wealth? Discuss the possible repercussions and fallout between siblings if they aren’t equally gifted parents’ wealth, how to legally donate your wealth to a charity without it being contested by your relatives, and how to keep family members from suing your estate and getting your wealth by way of court order.

 

  1. Tips for getting service fees and charges waived by the charging company. Discuss how to get them waived by large companies, medical offices, and utility companies.

 

  1. Tips to stay budget conscious. These could include a monthly review to see how far from budget you’ve strayed, and easy ways to get back to the constraints of your budget without the entire family feeling the strain.

 

  1. Ways to improve the way you save money before Christmas. These could include using the round up feature on your checking and savings accounts to sock money away into your savings account without feeling it, and beginning to use coupons and rebate apps in order to save at the store, then get additional money back from the app for providing the receipt.

 

  1. Apply these three methods to improve your credit. These could include ensuring that you pay at least $1.00 over the minimum payment for every single payment that you have. You could also try paying every bill that you have due 3 days in advance of the due date.

 

  1. How to build a savings account when your spouse refuses to save any money. These could include the round up feature, tucking money away from each purchase without your spouse, even noticing, and using cash envelopes to provide an “allowance” to your spouse, disallowing them direct access to the accounts and keeping more money in the financial institution.

 

  1. How to raise financially responsible children. At what age should you start to teach your children about their credit score and the effects that late payments have on their score for a substantial period of time?

 

  1. The top five retirement secrets that you aren’t supposed to know about. How much research did you do prior to contributing to your retirement account? Do you contribute to an additional retirement fund outside of your workplace?  If you do contribute to a secondary fund, what percentage of your annual income do you contribute to the retirement account?

 

  1. Five questions you need to ask of your mortgage lender before you sign on the dotted line. Is there any grace period after signing your mortgage paperwork that you can back out of the mortgage without a penalty?  What is your legal recourse if you’ve been a victim of fraudulent loan practices by your mortgage holder?

 

  1. Five easy steps to understanding your mortgage payment breakdown. What is PIP&PD?  What happens if you let your homeowner’s insurance lapse?  Can your mortgage be foreclosed upon if you don’t carry homeowner’s insurance per the terms of your mortgage agreement?

 

  1. How to start getting more of a return from your savings accounts.  What is the average rate of interest earned on a basic savings account?
  1. Little known ways to save an additional $20 weekly. How can you make a $20 investment multiply the quickest?  How risky is it to purchase stocks on your own versus using a trading company? Do you stand to lose everything by trying to be in charge of your own stock trades?

 

  1. What to financially expect when you’re expecting. How much insurance should you carry on your life once you have a family? Do you need a living will? How early do you need to begin estate planning to ensure that your child is given your inheritance?

 

  1. Believing these three myths actually keeps your credit score lower.  Do you believe that slow paying an account doesn’t hurt your credit? If you make the minimum payment, are you getting the highest possible score you can receive from your creditor reported to the credit agency?

 

  1. Five facts about businesses that will help you to save your money. When you deal with businesses that have predatory lending habits, or deal with less than honest financing companies, they can cost you big money and your credit rating. It is important to ensure that every finance company that does business with the company you purchase from is reputable and honest.

 

  1. Credit card debt is your financial worst enemy. Provide the reader some tips to defeat it, along with tips on how to prevent from accruing credit card debt in the first place. One tip is that items such as groceries, and day to day living expenses, should not be charged to a credit card. Only purchases that are an emergency and exceed the cash on hand should be charged if the full balance isn’t going to be paid off at the end of the billing cycle.

 

  1. Three tips to mastering the art of debt free living. These include not living outside of the means of their paycheck, making sure that 15% of their annual income goes directly to savings, and unless something meets the emergency criteria, savings should not be used under any circumstances.

 

  1. How to take advantage of no interest balance transfer credit card offers. By transferring balances from high interest percentage credit cards to new card offers that offer 0% APR on balance transfers, the savings are upward of thousands of dollars if making the minimum payments on a $500 balance transfer.

 

  1. Three things you didn’t know about retirement accounts. This could include the requirements to take a loan from your 401K account, and how you can take a no interest loan against your own retirement and save yourself thousands in interest charges.

 

  1. Everything you need to know about the financial side of divorce. How badly does a divorce make your credit report? How long does it take to reestablish your credit and good standing after your divorce is finalized?  What can you do about the bills that your ex spouse should have paid, but didn’t?

 

  1. Top three financial hacks for new entrepreneurs. How can new businesses take full advantage of the tax credits and tax shelters for new business owners?  How long do you have to file your tax shelters after you open your business?

 

  1. How to negotiate a lower interest rate with all of your creditors. Will every creditor offer you a lower interest rate if you threaten to take your business elsewhere?  Is there any creditor that never negotiates, regardless of the customer or circumstances?

 

  1. A three step checklist to selecting a financial planner. What are the main traits you should look for in a financial planner?  Should you put all of your faith in consumer reviews?  Should you select a financial planner that you know personally?

 

  1. The top three factors you forgot to consider when you were planning your retirement. Perhaps late in life babies, a child pursuing a masters or law degree and needing additional financing, or emergencies such as parents in failing health or an accident and need long term in home care depleting your nest egg.

 

  1. Five things you never knew about estate planning.  How can you ensure that your child under 18 receives your assets, and not the guardian that is appointed to your minor child? Can the remainder of your family contest your will if you leave all of your assets to your minor child?

 

  1. The two main reasons that you should never just pay the minimum payment on anything. How long will the minimum payment be required if you pay the very minimum on a $500 balance at 8.9% APR?

 

  1. What is the most important conversation about money that you will ever have with your spouse? What should you do if you have perfect credit, and you find out that your soon to be spouse has a 515 credit score?  Is there any secret to making a marriage work when a couple is not financially compatible?

 

  1. How to create a portfolio for the long run. What are the secrets to creating an investment portfolio that will continuously grow in wealth over a 20 to 25 year span?
  1. How to reduce education funding expenses. Do prepaid college accounts save a substantial amount of money for the financier, or is it not a large enough savings to really make it worth paying in the tuition so many years in advance? What if you fully prepay your child’s tuition, then they get a scholarship, can you have your tuition returned to you?

 

  1. What practical budget cuts can you make to save major money? Does buying generic products for your home really make that big of a difference in savings?  What are the biggest ways you can reduce your utility bills without turning off all the lights and air conditioning?

 

  1. How can you rebalance your portfolio? If you need to trade out for safer stock options, how can you do so without being penalized?

 

  1. Reasons you should roll your 401K into an IRA. How much can you expect to earn on your IRA versus the potential earnings that you would have if you left your money in a 401K account?

 

  1. Three ways to demystify IRAs.

 

  1. Three ways to minimize financial conflict between high net worth couples. Should there be completely separate finances until marriage, or is there never a good time to combine finances when you and your spouse have independent high net worth?

 

  1. A five-minute overview of today’s economy. Where will the stock market be in a year? In 5 years? What sort of major expenses should the average person avoid today in the current economic state?

 

  1. The checklist you need to have prior to starting to trade in stocks. Do you need to have the knowledge and financing of a day trader in order to be able to trade a few personal stocks?  What are the restrictions and laws about private citizens buying and selling their own stocks.

 

  1. Everything a millennial need to understand prior to starting a 401K.

 

  1. How to choose a financial planner that won’t rip you off.

 

  1. Five places to get great deals on home goods. Is Big Lots a good choice?  How about online stores, such as Wayfair?

 

  1. Five places to get great deals on furniture. Will Overstock. Com really save you that much money?  How about Big Lots furniture? Is it comparable?

 

  1. Five places to get great deals on restaurant meals. Do Groupon vouchers really save you a substantial amount on restaurant gift certificates?

 

  1. Five places to get great deals on school clothing.  How much money should you spend on uniform separates? How about toddler clothing separates?  Is it wise to buy name brands for children under the age of ten?

Financial Topics To Write About

  1. How to protect yourself and your assets against inflation.
  2. How to open a new high interest savings account.
  3. How to open a new high interest checking account.
  4. Tips for figuring out the fine print on credit card offers.
  5. Tips for figuring out the fine print on mortgage offers.
  6. Tips for figuring out the fine print on automobile loans.
  7. How to cancel subscriptions you no longer use without being charged a fee.
  8. What is an ETF (Exchange Traded Fund)?
  9. What are the three rules to making money off of stock trading?
  10. How can you predict future investment returns to plan your retirement around it?
  11. What are qualified charitable distributions and the related tax code?
  12. How can Roth IRA contributions jack your retirement savings up for you?
  13. How can you use a 457 Retirement Plan Account to do away with your individual tax bill?
  14. What is the whole story on closed end mutual funds?
  15. What are tax-free annuity exchanges?
  16. What are the top three questions that you need to ask your financial planner before signing on with them?
  17. The three types of financial planners that it pays for you to know about.
  18. What is everything that you need to know about annuities for the general investor?
  19. What are three tips to staying on track with your mortgage through difficult financial times?
  20. Will a short sale hurt your credit as much as a foreclosure?
  21. What are three areas that most families can save that are never thought of?
  22. Three facts to know that can save you from interest rates that can ruin your credit score.
  23. How can you take a different step every month to increase your credit score without paying any more toward arrears?
  24. What are 3 financial hacks for new homeowners?
  25. What are 3 financial hacks for recent college grads?
  26. What are 3 financial hacks for salvaging your credit after divorce?
  27. What are the top 3 financial regrets those with bad credit state they should have avoided?
  28. What is the average time necessary to repair bad credit on an individual basis?
  29. What are the top 3 unknown facts about student loan debt?
  30. What are the top 3 unknown facts about foreclosure and your credit score?
  31. What are the top 3 unknown facts about divorce and your credit score?
  32. Does your child have to be 18 in order to establish a credit history?
  33. Who do you file a report with if you are a victim of credit fraud?
  34. Should all three of your credit scores be the same?
  35. What is the average time necessary to repay a student loan debt of $5,000.00?
  36. What can the IRS do to your wages if you owe a tax debt that you haven’t settled?  Do they require your permission on any documents in order to start repaying the amount that you are indebted to them?
  37. Little known the ways a family can save an additional $100 per month.
  38. Little known ways that a family can save an additional $1000.00 annually
  39. Stock trading for the beginner’s tips.
  40. IRA’s for the beginner’s tips.
  41. Mortgage rates and payment schedules for the absolute beginner.
  42. What can you do today to ensure you have a financially responsible child in ten years?
  43. How to protect yourself against junk bonds.
  44. How to protect yourself against IRS audits.
  45. How to restore your credit after a family member steals your personal information.
  46. How to help your child establish a line of credit in order to start them on a financial positive onset.
  47. How to help your child clean up any credit mistakes before they leave for college.
  48. How to educate your child on the process of securing a mortgage for their first home.
  49. How to help your child secure funds for an education without taking on any further debt.
  50. How to utilize tax-free annuity exchanges to your financial benefit.