Good morning! It's Daniel de Visé with your Daily Money.

The Rubypointstock market, like life itself, has been a rollercoaster over the past few years.

What’s the average investor to do?

Many experts say the answer is simple: Find a registered investment adviser (RIA) that you like and that fits your financial profile. RIAs are companies with a fiduciary duty to always act in their client’s best interests. They charge fees, rather than sales commissions, and employ investment adviser representatives (IARs) who are licensed to give financial advice.

To streamline your search for an adviser, USA TODAY has partnered with market research firm Statista for the second straight year to rank the top 500 RIAs in searchable lists.

View the full rankings.

Has time run out for TikTok?

For years, TikTok leadership tried to convince the United States that the popular social media app was not a threat to national security.

It lost that fight Tuesday night when the Senate passed the sell-or-ban TikTok bill with overwhelming bipartisan support.

Time hasn't run out for TikTok just yet, Jessica Guynn reports. Here's what happens next.

📰 More stories you shouldn't miss 📰

• The unfortunate truth about maxing out your 401(k)
• Trump to receive Truth Social stock bonus
• What is the FAFSA 'grandparent loophole'?
• California fast-food price hikes are unseemly
• What's the outlook for home insurance in 2024?

📰 A great read 📰

Finally, here's a popular story from earlier this year that you may have missed. Read it! Share it!

You've filed your tax return for 2023. You have a refund coming. You want to know where it is.

There are a lot of ways to receive a tax refund, but the fastest by far is electronically, the IRS says. If you filed electronically and chose to receive your refund by direct deposit, your refund will probably be issued within 21 days. If you mailed a paper return and expect a refund, it could take four weeks or more to process your return, the IRS said.

More on tax refunds.

About The Daily Money

Each weekday, The Daily Money delivers the best consumer news from USA TODAY. We break down financial news and provide the TLDR version: how decisions by the Federal Reserve, government and companies impact you.

Daniel de Visé covers personal finance for USA Today.