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Social Security: Is the Juice Worth the Squeeze?

Social Security: Is the Juice Worth the Squeeze? Social security is a benefit that is widely talked about as individuals reach ages 60+ and begin to prepare for retirement. Clients of ours have asked if social security will be around at all when they retire, what...

WOW 2022 is off to a crazy start!

Wow 2022 is off to a crazy start:   If the last 3 years have told us anything, it is that we have learned to be adaptable. Much of the past two years involved reactive measures to keep your business open, to fund your payroll, to navigate local health protocols, and...

1970’s All Over Again? Why this Time is Different

1970’s All Over Again? Why This Time is Different   For those of us who remember the 1970’s, inflation was on the forefront of everyone’s minds. A trip to the grocery store or the gas station left your wallet hurting, and each time you went back, it seemed like...

The Importance of Maintaining Your Financial Records

The Importance of Maintaining Your Financial Records An important part of managing your personal finances is keeping your financial records organized. Whether it is maintaining tax records for a potential audit or to verify your income or a Social Security card for...

Q1 2022 Market Outlook

Market Outlook Markets continued to set records in 2021 with the S&P 500 closing near record highs.  2021 was a tale of three stories.  In the first part of the year, markets were driven higher led by cyclicals and small caps.  Then came fears over the delta...

Happy New Year 2022

Happy New Year 2022 Happy New Year from your HFS Wealth Advisor Family! I think we can all agree that we are happy to see 2021 as history.  Let’s welcome 2022, with Champagne toasts, fireworks, and songs of Auld Lang Syne! Tell us how you brought in 2022, did you eat...

Are Your Social Security Records Accurate?

Are Your Social Security Records Accurate? Most everyone knows how important Social Security benefits are to financial security in retirement. Statistically, Social Security provides roughly half of all retirement income to retirees who had average lifetime earnings....

Ready to Retire – what keeps you up at night?

Ready to Retire – What keeps you up at night?   You’ve finally made it to that time in your life when retirement is in sight.  Whether your projected retirement age is 62, 65, 67, or even 70 and beyond, what holds you back from retiring?  What are your concerns, the...

Acroynym Circus

Acronym Circus In 1981 The Johnson Companies created the first 401 (k) plan which allowed employees to contribute to their retirement plan through payroll deduction.  So, from an employee perspective this is simple, how much do you want to contribute and where would...

Job openings available, but Workers unwilling to work!

Job openings available, but Workers unwilling to work! In February of 2020 US unemployment was 3.5%, this represented 50 year low and employers could foresee a possible labor shortage on the horizon.  Then the pandemic hit in February of 2020 and unemployment rose to...

Q3 2021 Global Asset Allocation Views

Q3 2021 Global Asset Allocation Views Market Review Stocks hit new highs as pandemic recedes – equity markets were finally able to hit new highs in June after trending sideways during the first part of the quarter.  The latest grind higher was led by big tech after...

Inflation! Should I Be Worried?

Inflation! Should I Be Worried? I don’t know about you, but recently every time I go into a store shopping for some item I am in need of there is a little sticker shock. It seems prices are rising on a many of the items we use on a normal basis. Gas prices have surged...

Securing the New Normal

Securing the New Normal Historically a company was focused on 4 walls: the walls that encompassed employees, a culture, and a secure environment that houses sensitive data as it pertains to not only your clientele, but also your employees. 2020 taught us that work...

How will I decide I am ready to retire?

How will I decide I am ready to retire? After 40 or more years working, how do you know when is the right time to retire?  Is it based on your age 62,65,67,70 or does age have nothing to do with it?  Maybe you need to acquire a certain level of assets, one million,...

SECURE Act 2.0 Get the Jump on this Legislation

SECURE Act 2.0 Get the Jump on this Legislation As part of our financial wellness focus for a business, we hope to keep you on the forefront of legislation that can impact the financial wellness of your business and your employees. Even in an era of extreme...

What is the Planning Gap

What is the Planning Gap? You may recall back in 2008 ING ran a series of commercials showing people carrying around a big orange number that was supposed to indicate the “number” they need to have saved in order to be able to retire comfortably. Today’s world is a...

Don’t Stop Believin’

Don’t Stop Believin’ The year 2019 seamlessly gave way to 2020. Many individuals around the world traveled extensively, enjoyed time with family, and grumbled about their daily commute to and from their 9-5 jobs. What happened in March significantly impacted everyone...

Q1 2021 Global Asset Allocation Views

Q1 2021 Global Asset Allocation Views Review The global economy showed resilience throughout the COVID-19 crisis of 2020, supported by a policy fueled recovery The roll-out of effective vaccines provides a light at the end of the tunnel Large household savings...

Post-Election Outlook

Post-Election Outlook Results Barring some unforeseen event, it appears that Joe Biden will become the 46th President of the United States. The Senate is currently 50-48 with Republicans in the lead. There are two races still to be determined in Georgia with a special...

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