Remember when you survived on only a few dollars back in your college and young adult years? Can you imagine spending something to the tune of $50 a week on food and fun today?! As we grow older and our salaries increase, most people tend to spend more. We call this lifestyle inflation and it […]
As the economy tries to get back to a sense of normalcy, many small to midsize businesses are trying to figure out how to reopen responsibly, not only from a protection standpoint, but from a financial standpoint as well. These businesses play a significant role in our economy and for there to be a broader […]
You have worked a long time, maybe 30-40 years, maybe in one career or many, maybe for one company or many, and you’re thinking it’s time to hang up the cleats, cash out, add your own retirement euphemism here_____________. Having been a wealth manager for almost 30 years, I’ve learned there are two very distinct […]
Almost 18 years ago, when our oldest daughter was born, we began to save for her college education. At first it was small amounts and some gifts that we received when she was born, but then over time the amounts gradually became larger. Being a wealth manager, I knew and understood the value of saving […]
As we move through life, making large purchases such as houses, cars and the like, become very important decisions that should not be taken lightly. To shed some light on how to go about making these important decisions, we wanted to touch on the Total Cost of Ownership (“TCO”) calculation. TCO is a calculation method […]
As we’ve emphasized before, the start of the new year is a great time to review a lot of things and your budget is no exception. The goal, for most, is to figure out how to decrease expenditures. For many people the most obvious thing to start with is the total cost of their primary […]
When it comes to work and finances, many of us spend more time focusing on what we’re not doing than we do on the things we’ve accomplished. One of the challenges with coming up with goals or having ambitions is how we feel during the “in between” stage or the period of time that takes […]
One of our focus areas at HighTower Westchester is working with business owners. As such, we thought it was important to provide business owners with some insight into the importance of financial planning and actionable ideas for you to consider for the upcoming year. Whether you are looking to start a business, take your business […]
There’s usually a flurry of legislative activity at the end of the year in Washington, DC, and this year was no exception. With strong bi-partisan support earlier this year, the House of Representatives passed the SECURE Act which made sweeping changes to retirement plans. It was sent to the senate where it stalled for a […]
Ah yes, it’s that time of the year when we just finished eating our weight in turkey and stuffing, and the year-end seems to come up too quickly as we cram in all the year-end festivities and holidays, time with family, and with any luck, a few days off from work. For me it also […]
Hightower Westchester is registered with Hightower Securities, LLC, member FINRA and SIPC, and with Hightower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through Hightower Securities, LLC; advisory services are offered through Hightower Advisors, LLC.
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.
SETTING A HIGHER STANDARD FOR YOU
Contact us to learn more about how we can help you build your legacy.