Our Newsletters
Newsletter Signup
CARES Act for Retirement Plan Sponsors
CARES Act for Retirement Plan Sponsors In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act. Below is a summary of the impact on a company that provides retirement benefits to their...
FFCRA & CARES Act for Businesses
FFCRA & CARES Act for Businesses In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act. Below is a summary of the impact on Small Businesses. There are additional benefits for...
Coronavirus Individuals CARES Act
Coronavirus Individuals CARES Act In these unprecedented times the Federal Government has passed into law the Coronavirus, Aid, Relief and Economic Security (CARES) Act. Below is a summary of individual benefits your family might receive. No Required Minimum...
Coronavirus Market UPDATE
Coronavirus Market UPDATE As I write this, we have officially entered a bear market. The first official bear market since the 2008 financial crisis. The spread of covid-19 has caused supply constraints, lower demand, concerns in the credit market, and...
5 Areas of Your Financial Life to Get Organized Before Retirement
5 Areas of Your Financial Life to Get Organized Before Retirement The dream of retirement can be made a reality with a lot of careful planning and decision-making well before you actually plan to retire. If you are seriously starting to think about your retirement...
Coronavirus Scare
Coronavirus Scare – US markets entered 2020 at overbought levels poised for a drawdown. The global economy was bouncing back from a difficult 2019 and a manufacturing recession in some parts of the globe. The US-China phase 1 trade deal was helping to boost...
Secure Act Passes Into Law – Now What?
Secure Act Passes Into Law Now What? This tax act has many implications we will highlight a few from a high level. We recommend 2020 as a time to review the personal and business plans you currently have in place. The first, and in my opinion, biggest impact is the...
Global Asset Allocation Views – Q1 2020
Global Asset Allocation Views – Q1 2020 The S&P 500 closed 2019 at a record high and trending in the opposite direction from 2018’s December low. Below I provide the returns of the S&P 500 over the past three years and the largest intra-year declines for...
Don’t Rock the Boat!
Don’t rock the boat! Just as a boat sails through the open seas when all four corners of the boat are balanced equally in the water, your overall health allows you to sail through the journey of life when all four pillars are properly balanced. 4 pillars of health:...
401k Plans
401k Plans 8, 18, 107, 56, 51 “From 8 lawsuits filed against employers in 2006, the numbers surged to 18 in 2007 and 107 in 2008, before declining for the next five years, according to the Boston College report authored by George Mellman and Geoffrey Sanzenbacher…...
The Future of Fiduciary Standards
The Future of Fiduciary Standards Fiduciary standards are alive and well, although they are in a state of transition and confusion. Do we look to the DOL (Department of Labor), SEC (Securities and Exchange Commission), or Individual State Regulators. Let’s first take...
Global Asset Allocation Views – Q4 2019
Global Asset Allocation Views – Q4 2019 Markets – The S&P 500 eked out a 1.19% gain for the quarter. Europe, Emerging Markets, and Small Caps ended the quarter lower, unable to continue the momentum from the first half of the year. Defensive sectors continue to...
Are we in it for the long haul?
Are we in it for the long haul? Since 1960, the average American life expectancy rose from 69 years of age to 79 years of age, as modern medicine has made treatment more effective, complimented with more time being spent on preventative care, and thus boosting the...
Q3 Global Asset Allocation
Global Asset Allocation Views – Q3 2019 Q2 Highlights – Markets – The S&P 500 returned 3.79% to settle at its all-time closing high. The Russell 2000 (a representation of small cap companies) closed up 1.74% and posted a new two month high. International markets...
There’s a Retirement Crisis in America!
There’s a Retirement Crisis in America! Americans are struggling to save enough for retirement, therefore the House of representatives has passed “Setting Every Community Up for Retirement Enhancement Act of 2019” or SECURE Act by a bi-partisan vote of 417-3. The...
Global Asset Allocation Views – Q2 2019
Global Asset Allocation Views – Q2 2019 The beginning of 2019 is off to a hot start with the major stock indices within range of their all-time highs set last September, and enjoying their best start of the year going back to 1998. The Federal Reserve has come out in...
Crunch Time Tips for Tax Time
Crunch Time Tips for Tax Time Each year HFS strives to educate our team and our clients on helpful tips for tax time. Click here, New Year, New Tax Changes, for a review of the Tax Cuts and Jobs Act changes. You, your CPA, and your Financial Planner can work together...
Is Financial Stress Eating Up Your Profits?
Is Financial Stress Eating Up Your Profits? Financial stress is a silent killer that may be robbing your business of thousands or even millions of dollars of profit annually. Mercer estimated that employers lost approximately 250 billion in wages in 2017 because of...
Global Asset Allocation Views – Q1 2019
Global Asset Allocation Views – Q1 2019 Quarter in Review The 4th quarter of 2018 did not go as planned, though in reality nothing about investing truly ever goes to plan. The S&P 500 had just hit an all-time high and we were heading into historically...
Do You Know the Real Rate of Return On Your Investments?
Do You Know the Real Rate of Return On Your Investments? Many investors look at their monthly statements or review their account online and look at a couple of numbers to determine how their investments are doing. The first number is usually the balance in your...
Out with the old and in with the new…year?
Out with the old and in with the new…year? The year of 2018 is sprinting to the finish line. The snow is starting to fall and the fireplace is crackling as we hustle through December. Days like today are the best time to reflect on the year in review. Your reflection...
The ABCs of ESG
The ABCs of ESG What is ESG? ESG (Environmental, Social, and Governance) is an investment discipline focused on non-financial factors that investors have determined as being critical for a firm’s long-term performance. These factors focus on a variety of issues...
Global Asset Allocation Views – Q4 2018
Bulls and bears can both point to different sets of data to make their case on the markets. Bulls can point to continued strength in the Leading-Coincident Indicator which shows no sign of a recession and a flattening, but not yet inverted, yield curve which has...
You are the parent? So What?
You are the parent? So What? The applications are in, standardized tests are complete and a college decision has been made. Time is racing as college acceptance notices soon lead to freshman move in day. Now all there is to do is buy dorm supplies and drop the kids...
Cambridge’s Form CRS (Customer Relationship Summary
The information being provided is strictly as a courtesy. When you link to any of these websites provided herein, HFS Wealth Advisors makes no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information, and programs made available through this site.