As SEC charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor

  • It may seem daunting to find a good and trustworthy financial advisor or broker.
  • There are steps consumers seeking investment advice can take to protect themselves.

how to, as sec charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor
© Provided by CNBC

Finding a broker or financial advisor you can trust may, at times, seem a daunting task.

That’s especially true when investors see sensational stories of brokers fleeing the police in an underwater getaway or faking their death in an airplane crash. Then there are the high-profile fraudsters such as Bernie Madoff, who masterminded the nation’s biggest investment fraud in history — a Ponzi scheme that cost tens of thousands of investors up to $65 billion.

And there are, of course, less sensational but still notable events. The Securities and Exchange Commission charged a brokerage — Western International Securities, Inc. — and five of its brokers on Thursday with violating a new rule that aims to raise investment-advice protections for consumers.

More from Personal Finance:

36% of high earners are living paycheck to paycheck

Here are three ways to navigate college tuition bills

43% of homeowners delay home improvements due to inflation

The brokers allegedly sold more than $13 million of high-risk, unrated bonds to retirees and others, despite the bonds being inappropriate for these investors due to their illiquidity and speculation, according to the SEC release. The brokerage didn’t respond to a request for comment.

It’s the first time the SEC has filed a lawsuit in connection with Regulation Best Interest, which the federal agency issued in 2019 and firms had to comply with by June 2020. Overall, the rule generally requires brokers and firms to put a client’s interests ahead of their financial or other interests when making an investment recommendation. They must share some of the logic behind a recommendation and disclose conflicts of interest.

There were 690,000 registered brokers and financial advisors in 2021, according to the Financial Industry Regulatory Authority, or FINRA. Here are some tips for consumers to find one they can trust.

Heed red flags in regulator databases, online searches

how to, as sec charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor
© Provided by CNBC

There are some surefire warning signs that an advisor you’re considering may not be a good pick.

Financial regulators have online databases consumers can reference for background information on specific individuals and firms. The SEC has one, the Investment Adviser Public Disclosure website, for financial advisors. FINRA’s resource, BrokerCheck, lists brokers. (A person or firm may appear in both.)

First, check to see that the person appears in either system and that they are licensed or registered with a firm.

This means they have met a minimum level of credentials and background to work in the industry, according to Andrew Stoltmann, a Chicago-based attorney who represents consumers in fraud cases.

“If they’re not, that’s the uber-red flag,” Stoltmann previously told CNBC. “If not, it could be some guy cold-calling from his mom’s basement.”

Prospective clients should also Google the advisor or broker’s name to see if any news articles about past indiscretions or lawsuits appear. If so, it’s another bad sign. The regulatory databases will also list any disclosures, complaints, arbitrations or settlements involving the individual.

Experts recommend checking for nefarious financial behavior like sales abuse practices, unsuitable recommendations, and excessive or unauthorized trading.

Review account statements for other warning signs

how to, as sec charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor
© Provided by CNBC

However, just because these warning signs aren’t initially found doesn’t mean consumers should let their guard down. There are other signals to watch for after deciding to trust an advisor with your money.

One of the lessons from Madoff’s multibillion-dollar fraud was ensuring your money is being held at a reputable, third-party custodial firm like Fidelity or Charles Schwab, Stoltmann said.

That makes it much harder for an advisor to steal money or take advantage of a client, since the assets aren’t held in-house and clients aren’t making checks out to the advisory firm, he said.

Think of this as a firewall like two-factor authentication — the custodial firm has certain procedures for withdrawing money, which often involve contact with the client, Stoltmann said.

Customers can check their regular account statements for this information.

Further, losing money isn’t necessarily a red flag, especially if it occurs in a down market.

But it might be a bad sign if an investor’s portfolio is tracking well below customary stock and bond benchmarks, according to George Friedman, an adjunct law professor at Fordham University and a former FINRA official.

“At some point you start asking questions,” he told CNBC.

Hyper trading activity, as outlined in an investor statement, is another telltale sign. Such account churning generates fees and commissions for advisors but financially harms the client.

Proprietary investments — for example, owning a mutual fund run by your brokerage firm — aren’t necessarily a fraud signal, but may be a sign that an advisor or firm is making money at your expense, Friedman said.

“I’d review account statements every month,” he said. “If you see something funny or unusual, that’s a flag.”

Of course, investor statements could be doctored to hide such information.

Ask questions about investment recommendations

how to, as sec charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor
© Provided by CNBC

Unsatisfactory or delayed responses to client questions should prompt clients to escalate their case to the firm’s compliance department.

Being asked to communicate outside of an advisory firm’s official channels, like company e-mail, is also a major red flag.

And, importantly, understand your investments; only place your money with reputable asset and fund managers, experts said. If you can’t understand it, it’s a bad sign, as is an investment that seems too good to be true.

Micah Hauptman, director of investor protection at the Consumer Federation of America, suggests asking a broker or advisor to verify in writing what they’re recommending and why they didn’t recommend a simpler, less costly option.

“If they can’t give a simple, specific, clear, concise answer to ‘Why this as opposed to anything else on market, based on product cost and quality,’ then that could raise some red flags,” Hauptman said.

Look for a fiduciary, fee-only advisor

how to, as sec charges first brokerage to run afoul of new investor protection rule, here's how to find a good financial advisor
© Provided by CNBC

Brokers generally remain a lower-cost option relative to advisors for consumers who trade stocks and mutual funds infrequently and hold them for a long time.

Consumers who want ongoing, holistic advice and to reduce exposure to conflicts of interest as much as possible should seek out a fee-only financial advisor, according to consumer advocates.

They can search for such advisors in networks like the National Association of Personal Financial Advisors, Garrett Planning Network, XY Planning Network and Alliance of Comprehensive Planners.

Such advisors must have a baseline competency like the certified financial planner, or CFP, designation for financial planners and only receive flat fees for their hourly service, monthly subscriptions or fees based on the assets they manage for clients, Ron Rhoades, a CFP himself and director of the personal financial planning program at Western Kentucky University, told CNBC.

“This is the easiest way for a consumer to find somebody who is definitely on their side,” Rhoades said.

Consumers should interview at least three different advisors after conducting a search to ensure the right fit, he said.

News Related

OTHER NEWS

Raiding retirement: How a million Australians emptied their super fund during COVID-19

Australians withdrew a staggering $38 billion from their retirement savings. Photo: Getty/TND About $38 billion was withdrawn from Australian super funds as emergency payments and about a million people cleaned ... Read more »

Consumer confidence takes a dive as rising interest rates and high inflation weigh on sentiment

US stockmarkets rallied for a fourth straight week, supported by a downside surprise in US inflation data and the continued flow of better-than-expected earnings. The ASX200 made a two-month high ... Read more »

The Ultimate Guide: How Can You Make Money From Sports Betting?

—TechRound does not recommend or endorse and financial, betting or gambling practices. All articles and their content are purely informational— All players who bet on sports are divided into 2 ... Read more »

Your Rights After An Injury At Work

An injury at work can cause illnesses, and an employee can be restrained from continuing their normal lives. Besides, your employer might try to put the blame on you, so ... Read more »

Gravity Co. A Destination for Tech Professionals and Entrepreneurs

Gravity Co are on a mission to improve the lives of today’s rental generation globally, through a community-centred, effortless, and borderless living experience by removing the pain points of renting ... Read more »

What ‘crypto winter?' Schwab launches ETF giving investors significant cryptocurrency exposure

Investors have a new way to buy cryptocurrencies. Schwab Asset Management released its Schwab Crypto Thematic ETF (STCE) this month to answer investor demand. David Botset, who was directly involved ... Read more »

Airfares, hotel rates and rental car prices fell in July. Here’s how you can score a good deal

Fluxfactory | E+ | Getty Images Travelers saw prices fall for big-ticket pieces of their vacation budgets in July, offering at least a temporary reprieve after soaring costs earlier this ... Read more »

Stocks making the biggest moves after hours: Disney, Bumble, Sonos & more

Disney store is seen in Times Square, New York City.Nick Pfosi | Reuters Check out the companies making headlines after the bell Wednesday: Walt Disney — Shares of the entertainment ... Read more »

How Detroit moved on from its legendary bankruptcy

A new wave of development is rippling through downtown Detroit. “Walking around Detroit in 2008 or 2009 is not the same as walking around in 2022,” said Ramy Habib, a ... Read more »

A phantom debt collection scam duped consumers out of more than $1 million. Here are 5 ways you can avoid falling victim

Fizkes | Istock | Getty Images Almost 2,000 consumers who were conned into paying debts they didn't owe are in the process of getting their money returned to them. More ... Read more »

Hackers have stolen $1.4 billion this year using crypto bridges. Here’s why it's happening

Mining the Worlds Second-most-valuable Cryptocurrency at Evobits I.T SRL An engineer inspects Sapphire Technology Ltd. AMD graphics processing units (GPU) at the Evobits crypto farm in Cluj-Napoca, Romania, on Wednesday, ... Read more »

Retirees on Social Security could see monthly benefit rise an average of $159 in 2023 due to inflation, estimate finds

FluxFactory New government data points to signs that red-hot inflation is starting to cool. But Social Security beneficiaries may still be in for a record high cost-of-living adjustment in 2023. ... Read more »

First dividend hike for Telstra since 2015

Telstra has reported a full-year net profit of $1.8 billion, down 9.1per cent from a year ago. Photo: AAP Live Telstra has raised its total dividend for the first time ... Read more »

‘Greater insight’: ABS unveils monthly inflation reports as cost-of-living crisis bites

More frequent inflation data will make it easier for the RBA to tame inflation without crashing the economy, experts say. Photo: TND Households and the Reserve Bank will get a ... Read more »

Why being too nice at work is holding you back

Caption: People pleasers can wind up feeling walked over and worn out. Photo: Getty Images Are you a people pleaser at work? Always there to help your colleagues, a workhorse ... Read more »

Holden recalls thousands of cars over brakes defect

Almost 14,000 Holden Commodores are being urgently recalled over brake defects. Photo: AAP Live Thousands of Holden vehicles across Australia are being urgently recalled over a potentially deadly manufacturing defect. ... Read more »

CBA reveals profit jump to nearly $10 billion

CBA has posted a higher full year profit on strong business and home loans volumes. Photo: Getty Live Commonwealth Bank of Australia has posted a robust rise in full-year profit, ... Read more »

Michael Pascoe: RBA jawbone has done its job with consumers

The RBA’s actions appear to be having the desired effect with consumers, Michael Pascoe writes. Photo: TND Consumer sentiment normally has a pronounced political bias – voters for the government ... Read more »

Inflation Reduction Act extends 'pass-through' tax break limits for 2 more years. Here's what that means for entrepreneurs

Senate Majority Leader Chuck Schumer, D-N.Y., discusses the Inflation Reduction Act on Aug. 7, 2022 in Washington, D.C. Kent Nishimura | Los Angeles Times | Getty Images Senate Democrats curtailed ... Read more »

On rare days, the market rises 5% — or even 10%, Wells Fargo finds. How to make sure you're there for it

Gzorgz | Istock | Getty Images “It was the best of times, it was the worst of times.” With those classic words, author Charles Dickens famously opened his historical novel ... Read more »

Apple Card’s rapid growth, outside vendors blamed for mishaps within Goldman's credit-card business

Apple CEO Tim Cook introduces Apple Card during a launch event at Apple headquarters on Monday, March 25, 2019, in Cupertino, California.Noah Berger | AFP | Getty Images When it ... Read more »

With or without federal student loan forgiveness, colleges must tackle affordability crisis, experts say

The Biden administration has promised to make a decision on student loan forgiveness within weeks, or even days. And yet, college affordability will remain an issue for years to come, ... Read more »

1 in 5 insulin users on Medicare has ‘catastrophic’ drug spending, Yale finds. The Inflation Reduction Act may help

Amid one of the worst public-health crises in history, a record number of Americans are without health insurance. John Fedele The Inflation Reduction Act just passed by the Senate will ... Read more »

Plant-based fast food no ‘silver bullet’ for health and environment concerns

Ventures into plant-based foods by fast food giants is not all good news for consumers. Photo: TND/Getty As Australian fast-food giants continue to roll out meat-free menu options, experts warn ... Read more »

‘Dudded’: ACCC calls for action as Australians suffer stagnating NBN upload speeds

The ACCC says Australians are suffering under stagnating upload speeds. Photo: TND Australians are being ‘‘dudded’’ by stagnating NBN upload speeds far below the top rates advertised in their internet ... Read more »

‘Turning point’: Business collapses spike but local recession still unlikely, say economists

Business collapses are on the rise as Australia’s economic outlook sours, new data reveals. Photo: Getty The number of businesses falling into administration spiked in July as economists warn inflation ... Read more »

Pfizer’s Perth employees strike after ‘substandard’ pay offer

Unhappy with a “substandard” pay offer, workers at Pfizer’s Perth manufacturing plant go on strike. Photo: AAP Live Pfizer employees have walked off the job at the company’s Perth manufacturing ... Read more »

Everything from wages to used car prices could jump higher, market researcher Jim Bianco warns

Washington's efforts to curb inflation will fall short particularly this year, according to market forecaster Jim Bianco. And, he believes this week's key inflation data will help prove it. “I ... Read more »

Alibaba gets Hong Kong's approval for a primary stock listing

A filing Monday showed Chinese internet tech giant Alibaba is another step closer to letting mainland Chinese investors trade its shares directly.Kuang Da | Jiemian News | Visual China Group ... Read more »

Profits soar to record levels at Murdoch’s News Corp

News Corporation, chaired by Rupert Murdoch, reached record profits in the latest financial year. Photo: Getty Live Rupert Murdoch’s News Corporation has almost doubled its profits in 2021/22 to a ... Read more »

Google is down: Server troubles hit world’s largest search engine

Google is experiencing global server outages, according to tracking services. Photo: TND Live Google users around the world were unable to access the search engine on Tuesday as a spate ... Read more »

Revealed: Australia’s richest postcodes – and professions

Residents in Perth’s Cottesloe and neighbouring Peppermint Park have the country’s highest incomes. Photo: Getty Live Residents from the Perth suburbs of Cottesloe and Peppermint Grove have been revealed to ... Read more »

Carried interest provision is cut from Inflation Reduction Act. How this tax break works, and how it benefits high-income taxpayers

Senate Democrats passed historic climate, healthcare and tax legislation on Sunday. The bill now heads to the House. An initial draft of the Inflation Reduction Act would have tweaked the ... Read more »

Expanded health insurance subsidies remain intact for 13 million people under Inflation Reduction Act

FatCamera | E+ | Getty Images Households that get help paying for health insurance through the public marketplace are likely to continue qualifying for more generous subsidies under a congressional ... Read more »

These 30 companies will help employees pay off their student loans

Federal student loan payments, most of which were paused during the pandemic, are set to resume in September. And yet, 93% borrowers say they are not financially prepared to restart payments, ... Read more »

EU Regulation 261/2004: Know Your Rights

Do you know your rights under the EU regulation 261/2004? This regulation is also referred to as the flight compensation regulation. Air passengers tend to deal with a lot, ranging ... Read more »

The Truth About Liquidation For Directors

In 2021, 4,235 Australian companies became insolvent and entered liquidation, accounting for 22.5% of the construction industry. All too often, liquidation disadvantages the director. If your company is facing a ... Read more »

Here’s How To Build A Financial Forecast That Works For You

Ann Juliano, CEO & Founder at SME finance provider, Muse Finance, explores… During periods of uncertainty, planning for the future might seem counterproductive. But however difficult it may seem, and ... Read more »

Creative Commission – A Business Profile

The number one online platform in music when it comes to hiring freelancers  Access to thousands of professional freelancers all over the world 0% commission on payments between those who ... Read more »

‘Car park for clunkers’: Government urged to act on $5.9 billion petrol opportunity

The government is facing calls to enact stricter fuel efficiency standards as new figures show motorists are missing out. Photo: TND The Albanese government is being urged to transform Australia ... Read more »
11 Fantastic Experiences With Your Grandchildren In Santa Rosa5 Best Tips to Book Cheap FlightsMy 5 Favorite Unexpected Perks Of Slow TravelClimbers Of This Popular Path In France Now Required To Pay Rescue DepositThis Airline First To Test Deplaning Passengers Through Three Doors25 Fun Things To Do In Singapore At Night: Mini Golf, Skyline Luge and MoreThings To Do Weekend Singapore August 2022: Singapore Night Festival, Subway Museum & More!33 Things To Do In Singapore With Kids This School HolidaysNew Events In Singapore 2022: Singapore Night Festival, A Minions Perspective Experience, Cinewav Movies in the Sky & More!30 Top Kids Activities To Do With Your Family For A Fun WeekendSurvey Shows Singaporeans Want to Travel to Japan The Most21 Hotels With Huge Luxurious Bathtubs In Singapore For You To Soak Your Worries Away15 Best Things to Do in Fall RiverStaycation Singapore: 51 Hotels In Singapore To Enjoy Your Staycation33 FUN Things to do in Antigua, GuatemalaBacolod Tourist Spots: 10 Things to Do for Foodies & History Buffs10 Best Cafes in Sydney for Coffee, Brunch, and Vegan Food15 BEST Restaurants in Sayulita, Mexico10 Hotels with Halal Breakfast, Buffets and Restaurants in Singapore21 Best Things to do in Acapulco, MexicoI Tried Hang Gliding At Age 55, Here’s Why I Think You’ll Love ItHow To Spend 3 Perfect Days In Switzerland’s Jungfrau RegionHow To Spend A Perfect Weekend In South Bend, IndianaThe One Thing We Are Trying Before We Retire Abroad7 Things To Do In Charming Edgerton, WisconsinBirds of Iceland: An Introductory GuideViking Debuts New Ship In Southeast Asia Specially Designed To Sail The Mekong River15 Best Things to Do in SomervilleNew National Parks Series Debuts On Nat Geo This Month And You May Recognize The Narrator’s Famous VoiceDigital Nomads Can Apply for a 10-Year Visa to Thailand From Sep 20228 Unique Mooncakes in Singapore 2022 to Celebrate Mid-Autumn Festival10 Family-Friendly Destinations for Your 2022 Year-End Trips57 Top Things To Do In Singapore - Attractions, Interesting Places To Visit & Fun Things To DoTop 35 Must-Visit Historical Places & Landmarks in the Philippines15 Best Things to Do in Framingham10 Things You Should Never Do in Hawaii15 Things to Do in Jeju for a Different Kind of Island GetawayMy 7 Favorite Wineries In California To Sip ChardonnayMy 5 Favorite Luxurious Experiences At Scottsdale’s Top ResortsThe Perfect 3-Day Visit To Beautiful Évora, Portugal7 Reasons To Explore Stunning Peggy’s Cove, Nova ScotiaRetirement Diaries: Diane Says Start Your Planning EarlyWhy I Love These 5 Campsites In France More Than Any HotelWe Have 21 Airline And Hotel Credit Cards, Here’s What We Love About Each OneThe 15 Most Beautiful Places To See Fall Foliage In 2022Top 15 Best Things to Do in Stockton, CaliforniaAnne Frank Museum Releases Videos Detailing Last Six Months Of Her LifeFarmers’ Almanac Predicts Unseasonably Cold Winter For Canada, Urges One Region To HibernateThis Is The Only Country On Earth That Sits Entirely Above 3,280 Feet, And You Can Ski There Right NowHow To Start A Freelancing Business From Scratch10 Things You Should Know Before Quitting Your Job To TravelBournda National Park: South Coast NSW’s Best Kept SecretThe Best Multi-Day Hiking Trips in CanadaFrom Bunbury to Margaret River, Here’s What Not To MissWhere To Find The Best Free Camping in TasmaniaAustralian Bushfires: Here’s What You Can Do To HelpOur AmazingCo Mystery Picnic in Queensland’s Atherton TablelandsHow To Plan A Sedona Girls Weekend Trip25 Of The Best Things To Do In Port Douglas, AustraliaPlatia Ammos Beach in Kefalonia (+ the Perilous Hike Down in Flip Flops!)From Corporate Stooge to Professional Travel BloggerWhy Choose Full Time RV Living Over Van Life?7 Handy Camping Hacks For Your Next Wilderness TripThe Best Spots For Eyre Peninsula Camping in South AustraliaGold Coast Hot Air Ballooning: A Bucket List Experience You Didn’t Know You NeededFitzroy Island or Green Island: Which is Better?A Zhangjiajie Hiking Adventure In The Avatar MountainsThings To Do On An Eyre Peninsula Road TripThings To Do On The Esperance To Perth DriveBunyeroo Gorge & Brachina Gorge: A Flinders Ranges Scenic Drive You CAN’T Miss!Duke of Orleans Bay: My 35th Birthday Adventure!Things To Do In Mount Gambier & Limestone Coast, South AustraliaHow This Woman Quit Her Job To Travel Europe Full-Time in a Motorhome10 Things I Wish I Knew Before Buying A CaravanCelebrating Boxing Day on a Captain Cook Sydney Harbour Cruise5 Adventurous Weekend Road Trips From DenverHow To Land Scuba Diving Instructor Jobs Around The WorldWhy You Don’t Need A Work And Travel Program Like Remote Year To Become A Digital NomadHow To Tell Your Parents You’re Quitting Your Job To TravelPerth to Esperance: The Ultimate Road Trip ItinerarySpeed Hiking: What It Is & What Gear You Need For ItWhat To Do When Sh*t Hits The Fan On Your Trip3 Days in Melbourne: A Melbourne 3 Day ItinerarySapphire Coast NSW: From Whales to Red RocksEssential Hiking Gear for Beginners: 5 Items You Absolutely Need For Your First HikeWhy This Grad Student Decided To Move Abroad Instead Of Getting A JobThe Best Fleurieu Peninsula BeachesNakie: The Best Traveler Hammock (That’s Also Eco-Friendly!)The Best Beaches in Kefalonia (+ Other Must-Dos)The Best Things To Do In Sydney Harbour7 Things To Know Before Your Overnight Or Day Trip To Rottnest IslandLawn Hill National Park: A Hidden Gem in Outback QueenslandBradleys Head to Chowder Bay Walk + Balmoral | Sydney Harbour WalkOrmiston Gorge: A Beach in Outback Australia!What To Do in Paris For 4 Days: A 4 Day Paris ItineraryOutdoorsy Things To Do In Noosa, An Aussie Adventure ParadiseWhy Quitting Your Job To Travel Isn’t As Scary As It SeemsThings To Do In Crete: A Crete Road Trip Itinerary15 Little Things You Can Do To Save Money For TravelKu-ring-gai Chase National Park: Sydney’s Hidden GemThings To Do In Esperance: The Best Walks, Campsites, & Beaches In Esperance, Western AustraliaVisiting Meteora: Clifftop Monasteries With A View In GreeceThe 15 Best Day Trips From CairnsHighlights Of A Great Ocean Road TripThe Best Boho Picnic Rugs For Outdoor AdventuresRenting Camera Gear For Travel: Save Money, Save MemoriesThe Best Sydney Weekend GetawaysCar Next Door Review: Using Car Sharing in AustraliaWhat the FAQ is Van Life? Everything You Want To Know About Full Time Van LivingThe Best Hikes In The Blue MountainsA Sydney Harbour Scenic Flight With Sydney SeaplanesThis Couple Quit Their Jobs & Sold Everything To Travel Europe Full-TimeThat Time ALL THE SIGNS Told Me To Buy Tony Robbins TicketsHow Much Money Do You Need To Save Before You Quit Your Job To Travel?15 Best Things to Do in Malden8 Unique Ways To Spend A Few Hours In The South Of France7 Authentic Aboriginal Experiences In Australia’s Northern Territory10 Best Hiking Trails In Flagstaff According To The Locals21 FUN Cancun Day Trips that you’ll love!The Unique Culinary Tour Not To Miss In Jerusalem18 BEST Things to do in Valparaíso, Chile7 New And Unique Things To Do On The Las Vegas StripPalwa Ride and More Adventures at Santabucks Eco-Adventure ParkClear Testing New Curb-To-Gate Premium Service At This Popular AirportCollette Unveils New Montana Cruise Tour Featuring Stops In Two Popular National ParksTop 15 Best Things to Do in Riverside, California8 Reasons To Visit Italy This FallI Booked A Trip To France This Summer For $5.60 Using Points, Here’s What I LearnedThe Exhilarating Experience Not To Miss In Canada’s Jasper National ParkI Tried Glamping At An Australian Crocodile Safari Camp And It Was Incredible16 Scenic Stops Along The Beautiful Cape Cod Rail TrailWorrowing Jervis Bay: A Winter Getaway From SydneyBest Beaches in Crete: The 10 Crete Beaches You Must VisitThe 20 Best Beaches in Western AustraliaWhat I Wish I Knew Before Moving From USA To Australia30 Things To Do in Albany, Western Australia & South Coast WAHiking Sydney: The 15 Best Hikes in Sydney, AustraliaThe Best Hikes in Grand Staircase Escalante National MonumentNew UAE Passport: How to Get Your New Emirati Passport?NATAS 2022 Singapore Travel Fair: What to Expect7 of the best things to do in Phuket on a budget15 Best Things to Do in WalthamU.S. Begins Testing Online Passport Renewals, How You Can ParticipateTop 7 Must-See Attractions At The Newly Renovated Air And Space MuseumFAA Considers Increasing The Size Of Airline Seats, But It Has Nothing To Do With ComfortEat Your McDonald’s Before You Get On The Plane15 Best Things to Do in HaverhillYosemite Reopens Its Beautiful Mariposa Grove To Visitors8 Signs You Need for a Salary Raise & How to Talk to Your Boss About ItMy 7 Favorite Restaurants In Beautiful Dripping Springs, Texas13 Tips For Hiking Jenny Lake In Grand Teton National Park 14 Budget-Friendly Ways To Entertain Your Elementary-Aged Grandkids According To A Retired TeacherTop 15 Best Things to Do in Huntington, New York12 Reasons This Lesser-Known Malta Town Will Transport You To 1950s Italy15 Best Things to Do in RevereParts Of This National Park Closed Because Of A BearSeveral Caribbean Islands Dealing With Record Amounts Of Seaweed, The Problems It’s Causing For Tourists And Residents7 of the best things to do in Hoi An on a budgetLOOK: Philippine Tarsier Spotted in Tacloban City for the First Time EverA Guide to the Best Staycation Hotels in Manila6 Fabulous Reasons To Take A Side Trip To Croatia When You’re Visiting Italy7 Reasons You Should Visit Canada’s Beautiful Georgian Bay6 Reasons To Explore Concord, California On Your Next Visit To San Francisco9 Key Tips For Hiking To Gorgeous Ta-Taki Falls In Okinawa, JapanTop 15 Best Things to Do in Islip, New YorkHawaii County Follows Maui’s Lead, Decides To Ban These Types Of SunscreensUnique Sign In New Mexico Had Highway Drivers Doing Double-Takes15 Best Things to Do in AberdeenIt Now Costs $250 To See A Real-Life Dragon, Here’s WhyHeavy Rains Cause Extremely Rare 1,000-Year Event In Death Valley15 Best Things to Do in Havre de Grace15 Best Things to Do in Elkton11 Best Beaches in Vietnam You Must Know About11 Money Tips If You’re Not Earning Well Enough to Build a Travel Fund7 Fantastic Hotels For A California Summer ExperienceThe Houseboat Getaway Near Ottawa Perfect for the Whole Family22 Amazing Outdoor Adventures I Loved In New Zealand5 Fantastic Stops On A Missouri Road Trip From St. Louis To St. JosephFolks Are Flocking To New Mexico For A High Flying Milestone This October15 Best Things to Do in New CarrolltonSurprising Shark Discovery Found Thousands Of Miles From Its HomeWhat You Need To Know About Road Closures At This National ParkThird-Culture Kid Blues: My Experience as an Indonesian Who Grew Up in MalaysiaA Guide to Ukay-Ukay Shopping in and Near Metro Manila7 Historic French Brasseries You Must Visit In Paris7 Amazing Outdoor Activities To Experience In Big Sky, Montana In The SummerTop 8 Questions To Ask Before Moving To Costa RicaEverything You Need To Know About Visiting Qatar¡Felices fiestas! A guide to Spain’s best annual events17 Amazing Things To Do In Beautiful Austin, TexasFancy Feast Isn’t Just For Felines, Where You Can Dine On Cat-Inspired Cuisine Why October Is The Best Time To See Elk In This StateBorobudur Temple – The World’s Largest Buddhist TempleMantigue Island: Camiguin’s Little Jewel | LakwatseroThe Wave of Utah and Arizona: Where “Amazing” is Understatement | LakwatseroMonad ShoalHow to Get to Luna ApayaoTales From Sadanga: The Trek to Fowa-as Falls | LakwatseroAbout BatadHow to Commute to 21 Kilometers Coffee and Back#13 Himalayan Mountain Range (Nepal)NATAS Travel Fair 2022: Best Travel and Tour Package Deals!Batanes: Sweet Rendezvous With My Playground | LakwatseroNaked IslandThe GreeneryBalabac Sojourn: Immersion in Bugsuk Island | Lakwatsero1. Chocolate HillsHow To Get to BulalacaoSurprises in Naujan | LakwatseroNatnat BeachScuba Diving in Mantigue Island: Revisiting Underwater HomeLubang: En Route to Big Surprises | LakwatseroAbout Cuyo1. Fortune Island (Nasugbu, Batangas)Climbing Mount MitsutogeWaterfalls of Mount Romelo: Buruwisan, Batya-Batya & MoreSurigao: Scuba Diving in Mabua | LakwatseroRooms and RatesBud Bongao: The Revered Mountain of Tawi-Tawi | LakwatseroHow to Get to CoronGoing In and Out of PokharaVisita Iglesia in Manila: Nine Churches to VisitA Day Trip to Seven Falls of Lake Sebu | LakwatseroBataan: Dunsulan Falls, Ambon-Ambon Falls & Limutan FallsHow to Get to MoalboalHow to Get to Kansalakan Enchanted RiverDetour to Mainland Sablayan | LakwatseroWaterfalls in Real, Quezon: Cawayan, Balagba & Noknok FallsRuwanwelisaya StupaSan GabrielColibra Island: Dasol’s Island Hideaway | LakwatseroHow to Get to Malamawi IslandHow to Get to Maosonon IslandBalabac Sojourn: Bugsuk Island Stole My Heart | LakwatseroAttractions in Igorot Stone KingdomNacpan & Calitang: The Twin Beaches of El Nido | LakwatseroCalinawan CaveClimbing Mount Fuji: Frequently Asked Questions1. Tropical Four SeasonsMasasa Beach Travel RequirementsPacsafe Toursafe Wheeled Duffel: The Ultimate Urban Adventure Buddy | LakwatseroHow to Get to Mount KitadakeKiltepan View Deck (Sagada, Mountain Province)A Solo DIY Trek to Kawah Ijen of Indonesia | LakwatseroFirst Time in NAIA Terminal 1: Seriously, It’s Not As Bad As You Think! | LakwatseroHow to Get to Mount Cayabu and MaynobaTagbilat Falls: The Curtain Falls of Zamboanga SibugayHow to get to Quitinday Falls and Underground RiverPaoay Church: UNESCO World Heritage Site in Ilocos NorteThe Island in FocusBicycle Diary: Kaybiang Tunnel Loop | LakwatseroSelf Guided 6D/5N Annapurna Base Camp TrekA Weekend of Ultimate Adventure in Baler | LakwatseroHow to Get to Camotes IslandsHail to Hulugan FallsIloilo: Where to Indulge in the City of LoveIntroducing SibaltanHow to Get to Kabutongan FallsHow to Get to Calinawan CaveAbout CaramoanHow to Get to Cabagnow Cave PoolFive Hours in Jakarta: A Walk in the Old Batavia (And Misadventures in Jakarta) | LakwatseroRacuh a Payaman (Marlboro Hills)Machu Picchu HouseAbout LubangHow to Get to Nagpatong Rock by Public Transport:A Glimpse of Manila Metropolitan Theater | LakwatseroAbout LunaAbout Capul IslandAlalum Falls: Shared Majesty of Sumilao and Impasug-ongSnake IslandZunsibarPico de Loro Frequently Asked Questions (FAQs)Tulay na Bato Falls48 Hours in Brisbane: A Quick Guide & ItineraryAbout BiriTales of a True Wanderer: The Joys and Pains of Solo Travel | LakwatseroWelcome to Surigao del SurMt. Palay-Palay  National ParkAbout PagudpudFive Levels of Aguinid FallsIntroducing San Pascual, MasbateMount Manmanoc ItineraryAdventures in Fortune Island of Nasugbu | LakwatseroNext Level Mobile Photography with Sony Xperia XZ1 | LakwatseroScuba Diving in Siargao: Discovering the Underwater Treasures of Daku Island | LakwatseroAbout Davao CityHow to Get to AndaJanuary: Cebu & IloiloHow to Get to Mines View ParkKamay ni Hesus: Pilgrimage Site in Lucban | LakwatseroPoon Hill: Three Days of Himalayan AdventureCalvary Hill Cemetery of SagadaHow to Get to TambobongMilford SoundTen Things To Do in Sagada: Bucket List for NewbiesDahoyhoy FallsPilot for a Day: The Ultra Light Aircraft Experience | LakwatseroReal Coffee and Tea Cafe of Boracay | LakwatseroGhorepani Poon Hill TrekAbout Maniwaya IslandHow to Get to Binanga FallsPalo Alto Falls of Baras, Rizal | LakwatseroExplore Moscow: Best Things to Do in the City | LakwatseroStairway to HeavenMount Guiting-Guiting Overnight Trek Complete ItineraryCape Melville LighthouseLa Cathedral Café: Restaurant with a View in IntramurosKapurpurawan Rock Formation: White and BeautifulDay Hike ItineraryThe Sandbox at AlvieraHow to go to Mararison IslandA Weekend of Adventures in South Cebu and DumagueteCalayan Island: A Virtual Diary of Our Epic Journey | LakwatseroFaro de Isla Jintotolo (Jintotolo Island Lighthouse)Low’s PeakAbout Taal VolcanoHow to Get to Mag-aso Falls of BoholSamar: Biri Rock Formations Up Close | LakwatseroBonbon BeachIntroducing Jomalig IslandAbout Cotabato CityAbout TabukLeyte Landing Memorial: A Memorial for a Fulfilled Promise | LakwatseroSilyang Bato, Mount MaramiPanimahawa Ridge and Cedar Falls Day Hike ItineraryFun in the World’s Best IslandSample Albay ItinerariesMagpupungko Beach and Tidal Pools6 Tips for Living in the Philippines | LakwatseroDaraga Church: The Nuestra Señora dela Porteria ChurchTulgao Rice TerracesCape Melville Lighthouse (Faro del Cabo Melville)Canyoneering to Kawasan FallsLake FewaLong Weekend: Five-Day Suggested Itineraries in Luzon | LakwatseroAbout CaponesThe Wichcraft Café of Zamboanga City | LakwatseroHow to Get to GuiuanAll-Female FloorHow to Get to Neri’s VilleDiotay’s EateryShort but Sweet Melaka Getaway | LakwatseroHow to Get to Tinuy-An FallsOslob: The Lost Grandeur of Tumalog Falls | LakwatseroIlocos ItineraryDitumabo Falls: The Mother Falls of San Luis, Aurora!Biking in Kalinga: Trek and Bike to TabukParadise Garden: A Haven for Sea TurtlesSiargao: Magpupungko Beach and Tidal Pools | LakwatseroAbout Bucas GrandeCoral GardenSagadaA Walk in Sangay Siapo Island Before it is Gone? | LakwatseroAmbaguio-Akiki ItineraryCorregidor Island Lighthouse (Faro dela Isla de Corregidor)Faro de Punta de Malabrigo (Malabrigo Point Lighthouse)About CulionNaidi Hill LighthouseBoquete IslandHow to Commute to Temple of LeahCatanduanes: The Heritage Church of Bato | Lakwatsero1. White Water Rafting or KayakingMount Fuji Overnight Climb ItinerarySip & Gogh Paint Studio: Unleash Your Inner Van Gogh | LakwatseroBatanes ItineraryHow to Get to Quitinday HillsAbout Callao CaveDiscover LakawonBiking to Taal: A Fun Ride to Batangas’ Heritage TownAntique Blooming: The Rafflesia of San RemigioMalasimbo Lights and Dance FestivalBacolod ItineraryPoon HillAttractions in Mirador Heritage and Eco ParkHulhumale Public BeachRomblon Island: Bonbon Beach, Tiamban Beach & MoreAdventure in Sabah: White Water Rafting in Padas River | LakwatseroHow to Get to Hinakpan Mystical HillsWelcome to Lake SebuAbout CasiguranAbout BuscalanHow to Go to Kalanggaman IslandFaro de Cabo Bojeador (Cape Bojeador Lighthouse)Backpacking Maldives: Budget Itinerary, Expenses & TipsHow to Get ThereOffbeat Bohol Itinerary: 3D/2N of AdventuresHow to Get to Tawi-TawiAlona BeachPangilatan Falls: The Forgotten Gem of Tapaz, CapizWorld War I: SMS Cormoran II3D/2N Taiwan Itinerary: Taipei – Yehliu – ShiffenLaos for Backpackers: Getting There on a BudgetBasic RequirementsHow to Get to Antong FallsCathedral CaveHow to Go to Gubat, SorsogonAbout SadangaHow to Get to Bugui Point LighthouseHow to Get to Cabra Island LighthouseCebu Itinerary: Three-Day Adventures in the SouthAbout AndaLuna: A Day in the Show Window of Apayao | LakwatseroMargues Blue LagoonFinding Palaui’s Cape Engaño Lighthouse | LakwatseroHow to Get to Mantayupan Falls of Barili, CebuHow to Get to MaligcongLinapacan Islands: Between Paradise | LakwatseroKLIA to KLCCHow to Get to JomaligBanaug ShoalEspadang Bato – Payaran Falls Day Hike Itinerary10 Remarkable Philippine Destinations for Solo TravelMiagao Church: A UNESCO World Heritage Site in IloiloAbout Carbin ReefAbout Parola IslandCabra WreckageCobra Falls: Ozamiz City’s Best Kept SecretBasco: The Chapel on the Hill of Tukon | LakwatseroBack in Kathmandu’s Lovely Mess | LakwatseroHimalayan Adventure: Kathmandu to Pokhara Overland | LakwatseroItineraryChinatown Vancouver (Stop #23)Situbo Falls: Tampilisan's Awesome SurpriseHow to Get to Inambakan FallsTuasan Falls: Another Camiguin’s Charmer | LakwatseroHow to Get to Lake SebuMarinduque Loop: Biking in the Heart of the Philippines1. Batanes: A Piece of HeavenMe Gusta Sunzibar Tacloban! | LakwatseroHitachi Seaside Park: Quick Guide from Tokyo and NaritaBeautiful Islands and BeachesSunzibarTrekking NotesSnapshot: In Love with Batulao | LakwatseroPalaui IslandHow to Get to Mount PinatuboBicycle Diary: The Ride to Infanta | LakwatseroSwimHow to Get to Osmeña PeakDaranak Falls of Tanay Rizal | LakwatseroHow to Get to Stobosa Hillside Homes ArtworkSurf or Learn to SurfDIY Solo and Self-Guided Trek to Annapurna Base CampBatanes by Bike: North Batan Tour | LakwatseroThe BeachSta. Cruz Grande IslandBasilica de San Martin de ToursBaguio Budget Stay: Upstairs Bed & Bath | LakwatseroBiking in Batanes: Batan Island Loop | LakwatseroCandaba Bird SanctuaryCape EngañoAbout HungduanIligan Tourism Triangle: Mimbalut, Tinago & Maria CristinaAbout Jose PanganibanCadapdapan Rice TerracesHow to Get to Casaroro FallsKiltepan: Sagada’s Best Sunrise | LakwatseroBeguet: Colorado Falls of Tuba | LakwatseroFollow the Call of the Great Outdoors: Go Out & Get More | LakwatseroSanga-Sanga ReefMasbate City: Where to Eat in the City | LakwatseroAbout Carabao IslandRain Vortex at the Jewel of ChangiPacsafe Venturesafe 65L GII Travel PackIrakoWhere to Stay in CarmenHow to Get to Tangadan FallsHow to Get to Samal IslandEverest Base Camp Trek: Into the Dream ZoneTop Things To Do in Gangwon-do: Korea’s Adventure ProvinceJomalig: The Golden Sand of Salibungot Beach | Lakwatsero1. Tubbataha Reefs (Cagayancillo, Palawan)IitineraryAbout Anini-yNacpan BeachAbout Legazpi CityHow to Get to Shifen FallsScuba Diving in Pearl Island of Guiuan, Eastern SamarHow to Get to Nagtabon BeachSiargao Travel RequirementsHow to Go to TanayHow to Get to Garin FarmDay 1: Paoay and San Nicolas (Ilocos Norte)Nueva Vizcaya Weekend ItineraryHow to Climb Mount HamiguitanHow to Get to Santa Cruz IslandMount TalamitamHow to Get to Sambawan IslandBacuit Grill12 Places to Satisfy Your Affogato Cravings in the MetroLion’s RockVictoria HarbourCoronPicture Perfect: The White Island of Camiguin | LakwatseroPanglao: Alona’s Allure | LakwatseroSecrets of the Lakeside: The Waterfalls of Laurel & TalisayMiyaru FaruMemorial Temple of Lord BaoHotel Siesta Shibuya