Justin Chidester, CFP®, AFC® is quoted frequently in well-known media publications to share his thoughts on personal finance and investment topics. Here’s a list of some of the most popular articles he’s been in.


9 Questions to Ask Financial Advisors Before Hiring One

“Are you a fiduciary 100% of the time? A common response from a dually registered agent might be a sidestep answer, such as ‘When I am managing your investments, yes, I am always a fiduciary.’

But it doesn’t address the fact that there are still aspects to their advice and what they do where they may not be a fiduciary, such as selling you an investment product in the first place or perhaps an insurance policy.”

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5 Ways to Improve Your Cash Flow

“By creating a revolving expenses calendar, you can learn to plan appropriately for the non-monthly expenses that occur in your life,” Chidester says.


5 Things to Look for When Picking a Financial Advisor

“Even if they claim the contrary, advisors are always influenced by their compensation method - if not intentionally, then even inadvertently or subconsciously.”

“With what topics, decisions, or areas of your advice are you not held to a fiduciary standard?”


8 Financial Rules You Should Break, According To Experts

“My new rule of thumb is this: If you can save 20 percent down for your target home within about five years, go for it. But if you take much longer than that, you’re going to be chasing a moving target with home prices going up, which also means you missed the opportunity to experience appreciation on something you own.”


How Does a Health Savings Account Work?

“The ideal candidate for an HSA is an individual or family with low medical expenses or an HSA available through an employer.”


How Much Money Should I Have Saved by 30?

“For people burdened by student loan debt, a better approach would be to determine by how much much they have increased their net worth since they started working. Someone who had reduced their debt by one year’s salary by age 30 is on a good financial trajectory.”


The Worst Credit Card Advice I’ve Ever Received

“The worst credit card advice I’ve heard is that you have to carry a balance and pay interest in order to build your credit score in the best way. It’s simply untrue, and yet many of my clients come in with that misunderstanding. It’s an idea perpetuated by banks and financial institutions who stand to benefit from making people think that.”


Hidden Credit Card Perks Can Save Shoppers

“For now, the savvy consumer has to learn a few tricks in order to save. Justin Chidester, a financial planner in Logan, Utah, did not have much luck at first with the price matching. When he tried to use it to get money back on some chairs he bought, the card company wanted not just the original receipt and proof of the new lower price offer, but also a screen shot of the original price he paid for the items.


How to Spot Student Loan Forgiveness Scams

“You should have realistic expectations about debt relief. Whenever companies make sensational claims about their ability to reduce debt, they usually just take your money and disappear.”


How to Dispute A Mistake On Your Credit Report

Sometimes one credit bureau will correct the error in their records but the others stay stubborn. Attach a letter from the credit bureau who listened to your request and corrected the error, and sometimes that will be enough for the other credit bureaus to deem that your dispute is legitimate.”


Student Loan Debt: How Much is Too Much?

“Students historically have been told not to let their student loan debt exceed their expected income after college. I recommend doing all you can to keep your student loan debt at 50 percent of your expected starting salary.”


Don’t Let Debt Collectors Harass You. This is What They Can and Can’t Legally Do.

Thanks to the Fair Debt Collection Practices Act, collectors are not allowed to make collection calls ... if you've given them a written notice, such as a cease and desist letter, stating that you refuse to pay the debt or that you no longer wish to be communicated to.”


The Surprising Things You Spend Money On When You’re Stressed or Emotional

“This is why you see people impulse spend after a breakup, getting laid off, or if they are emotionally spent after every day on the job they don’t like. They lost their sense of being in control, and need to accomplish little actions that give them a feeling of being in power and being able to control their destiny.”


Married to Someone Who’s Bad With Money?

“When I have couples who are paying off debt, struggling to keep a budget or otherwise experiencing financial friction with each other, I invite them to hold a weekly financial meeting. No judgment, no blame and open listening.”