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    Expert Advice Without the Sales Pitch

    As a fee-only financial planner and CFP®, I provide independent, expert guidance to help young families and those nearing retirement plan for their financial future.

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financial advice from Mike Wroblewski

Welcome to Financial Advice for You!

This blog is dedicated to providing financial advice that you can use. Although generic financial planning information abounds, this blog addresses concerns of professionals early in their careers and those nearing or at retirement. After over five years of providing personal financial planning services to a variety of clients in different situations, I have developed […]


A March to Remember

Most investors would like to forget March 2020. Times of uncertainty and market stress, however, have reinforced three investing fundamentals.  Remembering these fundamentals will help keep your investment goals on track. 1. Vast uncertainty causes dramatic and quick stock price movements. For the 12 months prior to March 2020, the US stock market, as measured […]


No-Fee Mutual Fund Investing is a Reality

Fidelity Investments recently launched four no-fee mutual funds to gain a competitive advantage against rivals Vanguard and Schwab. This move along with lowering existing index fund fees and eliminating minimum investment amounts go a long way to making investing easier and more affordable for investors. This blog explains how you can take advantage of these […]

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Wells Fargo: Time to Switch?

You may be asking whether it is time to switch your asset accounts from Wells Fargo to another bank. For nearly two years federal and state authorities have been investigating the bank’s business practices and have uncovered disturbing trends. The first investigation uncovered the secret creation of millions of bank and credit card accounts without […]


Recent Volatile Stock Prices

Price volatility – larger ups and downs – returned to the US stock market during the first quarter of 2018. These unpredictable and unexpected sizable movements can make investors wary. But they give some not-so-gentle reminders to do a few things: tune out the daily stock market noise understand the market doesn’t just move on […]


More Flexible Thrift Savings Plan Withdrawals

Congress recently enacted changes to the Thrift Savings Plan (TSP) that will give federal retirees flexibility to withdraw money from their accounts. These changes are helpful. But getting your TSP money will still not be as flexible as in the private sector. In the private section, IRA distributions can be made in different amounts, at […]


Shop for Your 2018 DC Health Plan

Savings opportunities abound for 2018 DC health plans despite premium increases from 2017. On average, premiums for health insurance in the individual market increased 15.4% from 2017. These increases, however, mask the variation in the rates among insurers and among plans. Some premiums will rise by 8.0% from 2017 while others will rise 25.2%. The increases […]


4 Tips to Simplify Your Finances

You can simplify your finances by making a few changes to cut the clutter and streamline your monthly bill paying. Your finances should be easy to administer with few moving parts. Most people have too many accounts that makes it hard to monitor. They also don’t have a systematic way to pay their bills and […]


Freeze Your Credit Reports Now

Use these steps to freeze your credit reports at the three major credit reporting agencies:  Experian, Equifax, and TransUnion. By now you’ve heard about the massive data breach at Equifax. Information (including Social Security numbers) from 143 million consumers was potentially compromised by the agency entrusted with your personal information. I’m over being outraged. Protect yourself […]