Everyone knows or has heard about the student loan crisis in America and its effects on the U.S. economy. The debt amount is over $1.5 trillion, which makes it the second largest component of household debt – with an average
It’s hard to believe what a difference the last six months have brought us! As I think back to the end of last year, times certainly have changed. We had just seen a large stock market decline in the fourth
In Steely Dan’s 1977 hit song, “Deacon Blues," the protagonist (an unpopular “loser” and a “nobody”) laments the fact that, unlike the “winners in the world,” he doesn’t have a flashy nickname. So, wanting “a name when he loses,” he
Hoover Financial Advisors is pleased to announce it has been named to the 2019 edition of the Financial Times 300 Top Registered Investment Advisers. The list recognizes top independent RIA (Registered Investment Advisors) firms from across the U.S. The average
In our February blog, we touched on the three components of retirement income: pensions, social security and savings. So where does the 401(k) fall? Most people would place it in the pension column, but that would be incorrect. To determine
In this article we wanted to share some thoughts on the college planning process. However, if you are short on time, check out this 90 second video from the HFA YouTube page
A client recently told me that they strongly dislike having to take their Required Minimum Distribution (RMD) from their IRA each year, first because they don’t need the income, and second because they must pay income taxes on the amount
A client asked how she can tell if her 2018 federal taxes increased or decreased under the new tax law and what steps she should take to plan for her 2019 taxes? Comparing Results for Tax Years 2017 and 2018 The best
We have clients often ask if they should consider including a memo as part of their estate plan. Therefore, we reached out to our colleague Doug Kaune (a local estate planning attorney) and he was able
After a tough 2018, US equity markets posted a strong rally in the first quarter of 2019. The S&P 500 Index (which tracks large companies in the US) gained over 13% for the quarter, largely erasing losses from late last
It’s hard to believe what a difference the last six months have brought us! As I think back to the end of last year, times certainly have changed. We had
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