Having an emergency fund is critical to anyone’s financial plan. Unexpected events can be stressful and costly. When life throws you a curve ball such as job loss, unexpected home repairs, car troubles, your emergency fund is there to help! It keeps your stress level down and avoids making bad financial decisions. Read why keeping […]
Financial planning should be comprehensive. It involves more than picking investments and generating income to fund your retirement. One important topic that comes up frequently is medical expenses. The conversations typically revolve around premiums, deductibles, selecting the best health plan for your family during benefit enrollment periods, and Medicare. When evaluating which medical insurance plan […]
As Health Savings Accounts (HSA) become more available to employees, it’s time to make sure you understand the benefits of these accounts. More than 40% of American workers are enrolled in a high-deductible health plan which gives employees access to an HSA. The Health Savings Accounts has these main attributes: Pre-tax contributions (up to the […]
The prospect of long-term care (LTC) can be both emotional and overwhelming. Few want to acknowledge the possibility of an unexpected event—such as an accident, illness or general decline in health—that would necessitate these services, and LTC insurance and correlating products can be expensive and confusing. While the need for LTC services may seem improbable […]
Ever find yourself saying something over-and-over again to the point you wonder If you are speaking solely to yourself then FINALLY hear someone else say it? Makes you feel pretty elated doesn’t it! We certainly felt that way when we came across this great article in Fidelity Viewpoints. We are always telling our clients to […]
In 2018, phishing attacks were identified as one of the leading cyber threats against financial institutions. To protect against this growing threat against both our advisors and clients, HighTower is committed to providing a robust cyber security awareness training program. Over the last several months, many training modules have been rolled out to help our […]
November is… National Long-term Care Awareness Month Epilepsy Awareness Month Family Stories Month Lung Cancer Awareness Month Movember / NoSHAVEmber National Alzheimer’s Disease Month National Diabetes Month Vegan Month Heritage and History Native American Heritage Month
The Mega Millions and Powerball Jackpots are growing! How can you avoid ending up on a television show about how the Lottery ruined your life? 1. Don’t play the Lottery. It’s a waste of your money. The odds are greater that you’ll be killed by a shark or struck by an object falling from the […]
Many owners of family businesses are so busy running their companies that they never get around to making formal arrangements to pass on the business to the next generation or to other partners. But a failure to prepare for having to hand over the reins of your company—especially in the case of an unexpected illness […]
One point of the Financial Planning Compass we use with our clients is Risk Management. There are lots of different types of risk and different ways to manage those based on your specific situation. Often, we get into a game of should we or shouldn’t we and get caught between our gut and facts. In […]
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This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.
All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and Hightower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.
This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of Hightower Advisors, LLC, or any of its affiliates.