Clients continue to ask the question: "I am thinking of contributing to an IRA account in addition to making my 401k retirement plan contributions. When can I start?" As much as we at HFA love to hear about aggressive retirement
Death of the Stretch IRA: With the passage of the SECURE Act at the end of 2019, also came the death of the ”Stretch” IRA technique for most non-spouse IRA beneficiaries. Starting in 2020, when most non-spouse beneficiaries inherit a
The November 3rd U.S. elections will climax what is sure to be a circus of misinformation, angry partisanship and endless political ads. Investors hoping to find actions to preserve or grow their retirement portfolios are grasping for investment ideas or
In normal conditions, this time of year is usually a boom for retailers as “Back to School” sales pop up everywhere. Although sad to see the summer end, kids could always take solace in that new lunchbox, that special backpack
Second jobs and side hustles are very different, yet some may mistake one for the other. Second jobs are stricter than side hustles, but still offer the same result of additional cash flow. Individuals are typically working for an employer,
Whether running a family or running a family business, communication is key. I remember sitting around the dinner table as a child every night waiting for the usual questions. How was your day today? How was work? What did you learn
Recently, there have been many questions surrounding Social Security benefits, mainly directed towards spousal and survivor benefits. Ever since the Bipartisan Budget Act of 2015, which altered Social Security claiming strategies, such as file and suspend, there has been some
Stephen Gibson joined Hoover Financial in June 2020 as Chief Investment Officer. Stephen is a 30-year veteran of investment management and has managed more than $160 billion in assets in more than 140 different investment products. He has consulted with
The coronavirus has upended our lives and affected almost every aspect of our daily living. The tax rules have also been changed in ways that were unthinkable before the virus. In February, would you have believed someone who told you
Shortly before college seniors were preparing to sing auld lang syne, start their new years’ resolution, get ready for their last semester of the 2019-2020 school year, news came from China about pneumonia cases
As I reflect on 2019, Wow! What a difference 12 months can make! I sincerely believe that many of our clients are feeling very good about their financial situation, investment
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