Tag Archives: Trust and Wealth Management

Jeff Ritchie

May 02 2016

4 Beneficiary Designation Questions for Your Estate Plan


beneficiary designation estate planning

Beneficiary designations can be an important component of an estate plan.  Some common assets allowing beneficiary designations include: life insurance contracts, retirement plans (IRA, 401(k), etc.) and financial accounts (checking, savings, brokerage, money market, etc.).  POD (payable on death) or …
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Aaron Schaefer

Apr 04 2016

The Economy and Market from Here… at Hills April 2016


Economy and Market Here at Hills

Global stock markets experienced one of the worst starts to a year ever.  Worries about slowing global economic growth precipitated by continued weakness in commodities was the main culprit.  All equities were affected as traders predicted a recession in the …
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Mark Ahlers

Mar 23 2016

Financial Planning: How Much Will I Need to Save?—Part 3 of 3


Financial Planning for Retirement.

This is the final in a 3-part series on financial planning and social security. Experts suggest that you will need 75-85% of your pre-retirement income to maintain your lifestyle throughout retirement. What changes in retirement can you make to allow for …
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Mark Ahlers

Mar 16 2016

Financial Planning: How Much Can I Spend?—Part 2 of 3


Financial Planning for Retirement.

This is the second in a 3-part series on financial planning and social security. Once the “income gap” has been determined, the next step is to determine if your accumulated or projected assets are adequate to fill this gap. The goal …
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Mark Ahlers

Mar 09 2016

Financial Planning: Social Security and the Income Gap—Part 1 of 3


Financial Planning for Retirement.

This is the first in a 3-part series on financial planning and social security. When the Social Security retirement income system was created in the 1930s, it was designed to provide a partial retirement income supplement. Today, the average Social …
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Aaron Schaefer

Jan 15 2016

Riding Out the Storm


The Economy and Market from Here...at Hills.

Markets correct. It happens all the time. Corrections of 10% happen on average once per year. The most recent 10% correction occurred due to fears surrounding slowing growth in China, falling prices for oil and other commodities, and concerns over …
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Aaron Schaefer

Jan 05 2016

The Economy and Market from Here… at Hills


Economy and Market Here at Hills

Market volatility continued in the fourth quarter as market participants waited to see if the Federal Open Market Committee (FOMC) would raise short-term interest rates. After seven years of near zero, the FOMC did indeed raise the Fed Funds rate …
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Aaron Schaefer

Oct 01 2015

The Economy and Market from Here… at Hills


Economy and Market Here at Hills

On August 24th, 2015, the S&P 500 Index experienced a long-expected correction (a decline of at least 10%) from its high price achieved on May 21, 2015. Despite a few close calls, the S&P 500 had not experienced a correction …
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Erin Grabe

Sep 28 2015

Should You Save Money or Pay Off Debt?


save-money-or-pay-off-debt

Respect your elders. Don’t talk with your mouth full. Say please and thank you. All great things our parents taught us. But what about how to balance managing debt – specifically student loan debt–with saving money–for retirement, our own children’s …
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Aaron Schaefer

Aug 25 2015

Stay the Course and Focus on Long Term Investment Goals


Economy and Market Here at Hills

Recent stock market declines have taken the S&P 500 into correction territory (10% below peak levels) for the first time since 2011. Geopolitical conflicts, the ongoing Euro area crisis, central bank policies, and the age of this business cycle are …
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