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2022: Did you get caught in the rain?
2022 has been a unique year across the board. There has been a great deal of news headlines that have impacted the mental, physical, and financial health of everyone in numerous ways. To recap a few: Rising interest rates Rising mortgage rates Housing shortages and...
October 2022
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Business September Newsletter
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September 2022
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August 2022
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July 2022
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What is a Recession, and Are We in One?
Recession… it’s not a word that anyone wants to hear, but it’s one that we’ve been hearing a lot of lately; so, what is a recession? Well, that depends on who you ask. The classical definition for a recession is two consecutive quarters of declining Gross Domestic...
June 2022
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May 2022
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Managing your business in turbulent times!
Are you an optimist or a pessimist? Normally I think business owners are optimistic problem solvers, but war, inflation, rising interest rates, a volatile stock market, and supply chain shortages/delays makes it very difficult to be optimistic. During this crisis,...
Cyber Security Tips
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6 Tips for Protecting Your Personal Data
Cyber security has become a major concern of late for both individuals and businesses. It seems there is a new story almost daily of some cyber breach or a new security risk. How do you go about protecting yourself against these potential threats? Especially, how do...
April 2022
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Business March 2022
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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...
March 2022
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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...
February 25, 2022
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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...
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