{"id":1952,"date":"2025-08-02T22:51:39","date_gmt":"2025-08-02T22:51:39","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/nerdwallet-finance-smarter\/"},"modified":"2025-08-02T22:51:39","modified_gmt":"2025-08-02T22:51:39","slug":"nerdwallet-finance-smarter","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/nerdwallet-finance-smarter\/","title":{"rendered":"NerdWallet: Finance smarter"},"content":{"rendered":"<div data-nosnippet=\"\">\n<p class=\"S-nOEYW\"> <span>Disclaimer:<\/span> <span><br \/>\nNerdWallet strives to keep its information accurate and up to date.<br \/>\n            This information may be different than what you see when you visit a<br \/>\n            financial institution, service provider or specific product&#8217;s<br \/>\n            site. All financial products, shopping products and services are<br \/>\n            presented without warranty. When evaluating offers, please review<br \/>\n            the financial institution&#8217;s Terms and Conditions. Pre-qualified<br \/>\n            offers are not binding. If you find discrepancies with your credit<br \/>\n            score or information from your credit report, please contact<br \/>\n            TransUnion\u00ae directly.<br \/>\n<\/span> <\/p>\n<div class=\"_8tui7El\">\n<p class=\"WeAMNWp\">\nNerdWallet Compare, Inc. <span>NMLS ID# 1617539<\/span> <\/p>\n<p class=\"kHxDzdN\"> <a class=\"qMRM53G -EnJdW7\" href=\"http:\/\/www.nmlsconsumeraccess.org\/EntityDetails.aspx\/COMPANY\/1617539\" target=\"_blank\" rel=\"noopener\"><br \/>\nNMLS Consumer Access<br \/>\n<\/a><br \/>\n|<\/p>\n<p>Licenses and Disclosures\n <\/p>\n<p class=\"S-nOEYW\">\nCalifornia: California Finance Lender loans arranged pursuant to<br \/>\n            Department of Financial Protection and Innovation Finance Lenders<br \/>\n            License #60DBO-74812\n<\/p>\n<p class=\"S-nOEYW\">\nInsurance Services offered through NerdWallet Insurance Services,<br \/>\n            Inc. (CA resident license no.OK92033) \u00a0<\/p>\n<p>Insurance Licenses\n <\/p>\n<p class=\"WeAMNWp\">\nFundera, Inc. <span>NMLS ID# 1240038<\/span> <\/p>\n<p class=\"kHxDzdN\"> <a class=\"qMRM53G -EnJdW7\" href=\"https:\/\/nmlsconsumeraccess.org\/\" target=\"_blank\" rel=\"noopener\"><br \/>\nNMLS Consumer Access<br \/>\n<\/a> <\/p>\n<p class=\"S-nOEYW\">\nCalifornia: California Finance Lender loans arranged pursuant to the<br \/>\n            Department of Financial Protection and Innovation Finance Lenders<br \/>\n            License #603L288\n<\/p>\n<\/p><\/div>\n<p class=\"S-nOEYW\">\nNerdWallet has engaged Atomic Invest LLC (\u201cAtomic\u201d), an SEC-registered<br \/>\n        investment adviser, to bring you the opportunity to open investment<br \/>\n        advisory accounts (Automated Investing Account and\/or Treasury Account)<br \/>\n        with Atomic. NerdWallet receives compensation of up to 0.85% of assets<br \/>\n        under management annualized, payable monthly, for each referred client<br \/>\n        who opens an Atomic account and a percentage of free cash interest<br \/>\n        earned by clients, which creates a conflict of interest. Brokerage<br \/>\n        services for Atomic are provided by Atomic Brokerage LLC (&#8220;Atomic<br \/>\n        Brokerage&#8221;), member of <a href=\"https:\/\/www.finra.org\/#\/\" target=\"_blank\" rel=\"noopener noreferrer\">FINRA<\/a>\/<a href=\"https:\/\/www.sipc.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">SIPC<\/a> and an affiliate of Atomic, which creates a conflict of interest. See details<br \/>\n        about Atomic, in their <a href=\"https:\/\/reports.adviserinfo.sec.gov\/crs\/crs_313255.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Form CRS<\/a>, <a href=\"https:\/\/adviserinfo.sec.gov\/firm\/brochure\/313255\" target=\"_blank\" rel=\"noopener noreferrer\">Form ADV Part 2A<\/a> and <a href=\"https:\/\/legal.atomicvest.com\/usa.privacy.de3d0277-78f7-4741-9e9f-755f6b4f03ba.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Privacy Policy<\/a>. See details about Atomic Brokerage in their <a href=\"https:\/\/files.brokercheck.finra.org\/crs_315263.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Form CRS<\/a>,<br \/>\n<a href=\"https:\/\/legal.atomicvest.com\/usa.broker.disclosures.003464f3-f6bd-41c3-bbdf-7050e50b43a2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">General Disclosures<\/a>, <a href=\"https:\/\/legal.atomicvest.com\/usa.broker.schedule.7ea28665-88a9-4542-a748-987e90ea46b6.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">fee schedule<\/a>, and FINRA\u2019s <a href=\"https:\/\/brokercheck.finra.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">BrokerCheck<\/a>.\n<\/p>\n<p class=\"S-nOEYW\">\nYou also can open a Cash Account offered by Atomic Brokerage which<br \/>\n        allows you to earn interest on your cash through a cash sweep program.<br \/>\n        See important Cash Account disclosures <a href=\"https:\/\/www.atomicvest.com\/legal\/disclosures\/7d9c31dd-bf97-46ae-9803-1774b97187af\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.\n<\/p>\n<p class=\"S-nOEYW\">\nNeither Atomic Invest nor Atomic Brokerage, nor any of their affiliates<br \/>\n        is a bank. Investments in securities: Not FDIC Insured, Not Bank<br \/>\n        Guaranteed, May Lose Value. Investing involves risk, including the<br \/>\n        possible loss of principal. Before investing, consider your investment<br \/>\n        objectives and the fees and expenses charged.\n<\/p>\n<p class=\"S-nOEYW\">\nImages are for illustrative purposes only.\n<\/p>\n<p class=\"S-nOEYW\">\nNerdWallet\u2122 | 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251\n<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product&#8217;s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution&#8217;s Terms and Conditions. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1953,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1192,1191,1193],"class_list":["post-1952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-finance","tag-nerdwallet","tag-smarter"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/1952","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=1952"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/1952\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/1953"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=1952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=1952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=1952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}