The HFM Advisor Team shares our experiences working everyday with clients going through life’s transitions. We provide some insights into the personal finance topics of the day and even share the mic with guests from our network of outside professionals. We love what we do and who we do it for, so we hope you enjoy getting to know us and learning some things along the way!
The HFM Advisor Team shares our experiences working everyday with clients going through life’s transitions. We provide some insights into the personal finance topics of the day and even share the mic with guests from our network of outside professionals. We love what we do and who we do it for, so we hope you enjoy getting to know us and learning some things along the way!
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, CFP, is joined by Andrew Barnard, CFP, to explore how charitable contributions can be optimized for tax efficiency. They discuss practical strategies such as donor-advised funds, gifting appreciated stock, and estate planning techniques to ensure your generosity also leads to tax benefits. Whether you're navigating a high-income year or planning your legacy, this episode offers valuable insights to help you give wisely. Tune into this episode to also learn: ● How donor-advised funds can provide flexibility and immediate tax deductions. ● The benefits of gifting appreciated stock to eliminate capital gains taxes. ● When charitable remainder trusts (CRTs) are appropriate for advanced planning. ● Why designating charities as IRA beneficiaries can be a smart estate strategy. What we discussed ● [00:00:06] Why many charitable contributions don't provide tax benefits under current standard deduction rules. ● [00:02:45] Introduction to donor-advised funds and how they work. ● [00:05:29] When donor-advised funds are most advantageous, especially in high-income years. ● [00:07:12] How deduction bunching can help maximize tax deductions. ● [00:11:37] Gifting appreciated stock to avoid capital gains taxes. ● [00:14:00] Overview of advanced charitable trusts like CRATs and CRUTs. ● [00:17:03] The best assets to leave to charity versus heirs in estate planning. ● [00:18:26] The importance of tax-efficient charitable giving both during life and after death. 3 Things To Remember 1. Donor-advised funds offer a flexible way to manage charitable giving while optimizing tax deductions. 2. Gifting appreciated assets can eliminate capital gains taxes and enhance the impact of your donations. 3. Strategic estate planning ensures that both your heirs and charities benefit in the most tax-efficient manner. Useful Links Connect with Jason Gabrieli: https://www.linkedin.com/in/jasongabrieli Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
Welcome back to the Dollar Wise Podcast. In this episode, Catherine Allen-Carlozo and Tyler Reedman dive into an unconventional yet valuable topic: what happens to your travel rewards—points, miles, and loyalty perks—when you pass away? Prompted by a real client experience, the discussion unpacks how various credit card, airline, and hotel programs treat reward balances after death and what estate planning strategies can help preserve them for loved ones. Tune in for an eye-opening conversation that blends financial planning with travel hacking insights.lth without fear. Tune into this episode to also learn: ● Why you don’t technically own your points or miles. ● How to plan ahead to preserve rewards for your loved ones. ● The importance of sharing logins and digital access with trusted individuals. ● Which travel rewards programs allow for point transfers—and which don’t. What we discussed ● [00:01:14] How a client’s passing revealed the complexities of transferring travel points after death. ● [00:02:27] Travel hacking 101: how to use credit card points and loyalty programs for nearly free trips. ● [00:04:50] Why points aren’t considered your property and how that affects estate planning. ● [00:05:45] The critical importance of having logins and account access in estate prep. ● [00:07:19] Common pitfalls with two-factor authentication and password managers. ● [00:09:06] Best practices for storing login info and digital credentials securely. ● [00:10:18] Including travel rewards in your estate plan: who inherits and how to designate. ● [00:12:19] Each airline and hotel chain has its own rules—know them in advance. ● [00:13:22] Credit card churning, signup bonuses, and the art of responsible travel hacking. 3 Things To Remember Your travel points and miles aren’t considered your property—so don’t assume they’ll automatically transfer. Document login credentials, security questions, and instructions for accessing key accounts. If travel rewards matter to you, consider including them specifically in your estate plan or will. Useful Links Connect with Catherine Allen-Carlozo: https://www.linkedin.com/in/catherineballen Connect with Tyler Reedman: https://www.linkedin.com/in/tyler-reedman-cfp%C2%AE-8b29a6101/ Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
Welcome back to the Dollar Wise Podcast! In this episode, Catherine Allen-Carlozo, a Certified Financial Planner at HFM Investment Advisors, explores the transition from being a saver to a spender in retirement. Many retirees struggle with the fear of spending their savings, worrying about outliving their money, market crashes, or unexpected medical expenses. Catherine shares practical strategies to build confidence in spending, create a structured withdrawal plan, and align financial decisions with personal values and goals. If you’ve worked hard to save for retirement, this episode will help you shift your mindset and enjoy your wealth without fear. Tune into this episode to also learn: How to create a steady and predictable income in retirement. The 4% withdrawal rule—what it is and how to apply it. The importance of having a “fun fund” to enjoy your wealth. How working with a financial advisor can provide clarity and peace of mind. What we discussed [00:00:50] The challenge of transitioning from saving to spending in retirement. [00:01:36] Why many retirees feel fearful or restricted about using their savings. [00:02:10] The importance of shifting from a scarcity mindset to an abundance mindset. [00:03:01] Creating a structured withdrawal strategy to mimic a paycheck. [00:03:49] Understanding the 4% withdrawal rule and how it works as a guide. [00:04:46] How setting up a "fun fund" can help retirees enjoy their money guilt-free. [00:05:37] The role of a financial advisor in building a plan and running “what if” scenarios. [00:06:21] Recognizing that you saved for this moment—now it’s time to enjoy it! [00:06:45] Why couples need to discuss their money personalities and financial goals. [00:07:26] How retirees can use their wealth to create meaningful experiences. [00:07:55] Why single retirees should have a financial advocate or “financial friend.” 3 Things To Remember Retirement savings exist to support a purpose-driven life—define what that purpose is. Having a structured withdrawal plan provides confidence and financial security. You worked hard to save for retirement—now give yourself permission to enjoy it! Useful Links Connect with Catherine Allen-Carlozo: https://www.linkedin.com/in/catherineballen Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
Welcome back to the Dollar Wise Podcast! In this episode, Jason takes a deep dive into the key financial events of 2024. From understanding the S&P 500's stellar 25% performance to exploring the nuances of inflation, unemployment, and GDP growth, Jason provides a comprehensive reflection on a remarkable year for both the stock market and the economy. He also tackles pressing questions about investment strategies, including the role of diversification, the pitfalls of over-relying on dividends, and how to align your portfolio with your long-term goals. If you're wondering how to stay grounded in the face of market unpredictability, this episode is for you. Tune into this episode to also learn: Why 2024 was a standout year for the S&P 500 and what contributed to its success. How inflation and unemployment trends impacted the broader economy. The ongoing challenges in the bond market and what it means for diversified portfolios. The historical performance of dividend-paying stocks versus a total return approach. What we discussed [00:00:00] An overview of 2024's financial landscape, including S&P 500 growth and economic indicators. [00:01:45] Key factors behind inflation stabilization and its effect on the market. [00:04:57] Challenges in the bond market since 2022 and its interplay with rising interest rates. [00:07:45] The appeal and misconceptions of dividend-focused investment strategies. [00:11:23] Historical data on dividend stock performance versus total return strategies. 3 Things To Remember The S&P 500's 25% growth in 2024 highlights the importance of long-term investment strategies over short-term predictions. Diversification remains a cornerstone of resilient portfolios, even when certain asset classes, like bonds, underperform. Overweighting dividend-paying stocks may seem appealing, but historical data suggests that a total return approach often yields better results. Useful Links Connect with Jason Gabrieli: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli, a certified financial planner at HFM Investment Advisors, discusses the increasing interest in multi-year guaranteed annuities as interest rates rise. With more clients and insurance agents inquiring about these products, Jason dives into the pros and cons, potential pitfalls, and considerations to make before adding them to your financial plan. If you're curious about annuities or have received pitches recently, this episode will provide you with essential information to help you make informed decisions. Tune into this episode to also learn: How higher interest rates impact financial products like annuities. The differences between various types of annuities and their specific uses. Key considerations for incorporating multi-year guaranteed annuities into your financial plan. Potential disadvantages of annuities, including tax implications and reinvestment rate risks. What we discussed [00:00:30] Introduction to the episode and topic of multi-year guaranteed annuities. [00:01:32] Overview of how rising interest rates impact savings and investment products. [00:02:37] Explanation of multi-year guaranteed annuities and their function compared to CDs. [00:05:32] Pros and cons of multi-year guaranteed annuities, including principal protection and fixed rate benefits. [00:08:30] Tax implications of annuities and how they differ from other investment vehicles. [00:09:32] Inflexibility and surrender charges associated with early withdrawals from annuities. [00:10:35] Reinvestment rate risk and considerations for long-term financial planning. [00:11:40] Determining if an annuity fits into your financial plan based on the purpose of the money. [00:13:30] Final thoughts on choosing financial products that align with your financial goals. 3 Things To Remember Annuities can provide principal protection and fixed returns but are not always the best fit for long-term investments. Understand the tax implications of annuities, especially when withdrawing growth before principal. Evaluate your financial plan carefully to ensure the products you choose align with your short-term and long-term goals. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome to this episode of the Dollar Wise Podcast. In this episode, Jason Gabrieli discusses the growing concern around election outcomes and their potential impact on investments. With the media heightening fear and uncertainty, Jason offers insight into why emotions can mislead investors and how focusing on long-term goals is essential. He also explains how historical data shows a limited correlation between presidential elections and stock market performance. Jason reminds us to control what we can and stay disciplined in our investment strategy. Tune into this episode to also learn: How to stay disciplined with your investments during election cycles. The limited impact of politics on stock market performance. How media coverage heightens election anxiety. The importance of focusing on long-term goals instead of short-term fears. What we discussed [00:01:35] Why election outcomes create anxiety and how media stirs fear. [00:04:50] The limited impact of presidents and politicians on stock market trends. [00:07:45] Why diversification remains key, no matter the political climate. [00:09:55] The role of the 24-hour news cycle in compounding fears. [00:12:30] Focusing on what you can control, like staying disciplined with your strategy. 3 Things To Remember The impact of elections on the stock market is often overstated; long-term trends tend to rise despite political shifts. Staying disciplined with a well-diversified investment strategy is key during times of uncertainty. Media-driven fear can distort reality; control your exposure to news and focus on your long-term financial goals. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE…
Welcome back to the Dollar Wise Podcast. Jason Gabrieli is joined by Andrew Barnhardt from the HFM team as they explore tax strategies related to charitable giving, focusing on the benefits of Qualified Charitable Distributions (QCDs) from IRAs. The discussion covers how changes in the tax code impact charitable deductions, who can benefit from QCDs, and key considerations when planning your charitable contributions. This episode is designed to help listeners optimize their charitable giving while maximizing tax benefits. Tune into this episode to also learn: How changes in the standard deduction impact your charitable contributions. The eligibility criteria and benefits of making a Qualified Charitable Distribution. Strategic planning for minimizing required minimum distributions (RMDs) through charitable giving. Common pitfalls and best practices when executing QCDs. What we discussed [00:02:00] The impact of the Tax Cuts and Jobs Act of 2017 on charitable contributions and tax deductions. [00:03:00] Introduction to Qualified Charitable Distributions (QCDs) and their benefits. [00:05:00] Eligibility for QCDs and the age requirements for taking RMDs. [00:07:38] How QCDs can satisfy RMDs and reduce taxable income. [00:09:00] Planning strategies for using QCDs to reduce future RMDs. [00:11:16] Important considerations and limitations when using QCDs. 3 Things To Remember Qualified Charitable Distributions (QCDs) allow you to give to charity while avoiding the taxes typically associated with IRA withdrawals. QCDs can be used to fulfill required minimum distributions (RMDs) without increasing your taxable income. Always ensure QCDs are sent directly to the qualified charity to satisfy IRS requirements and keep detailed records for tax purposes. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Andrew Barnhardt: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli is joined by Brittany Tedesco from Bratton Law Group to discuss the essential steps and considerations when dealing with the death of a loved one. The conversation covers the importance of having a will, the difference between probate and non-probate assets, and practical advice on how to manage estate administration effectively. This episode aims to provide listeners with crucial insights to ease the burden during such challenging times. Tune into this episode to also learn: Key steps to take immediately after a loved one passes away. The role of a funeral representative in estate planning. Differences between probate and non-probate assets. Practical tips for managing estate accounts and distributions. What we discussed [00:02:00] Immediate steps to take after a death, including waiting periods and obtaining death certificates. [00:04:13] Essential documents for estate planning: wills, powers of attorney, and HIPAA releases. [00:07:56] Differentiating between probate and non-probate assets and their impact on estate administration. [00:10:38] Opening an estate account and managing the deceased's assets. [00:13:22] Filing inheritance tax returns and handling the estate's financial obligations. [00:16:44] Preparing executors for their roles and ensuring open communication with beneficiaries. [00:19:22] The importance of updating beneficiary information and having detailed records. 3 Things To Remember Always have essential estate planning documents in place, including a will and powers of attorney. Understand the difference between probate and non-probate assets to streamline the estate process. Open communication with your executor and family members can significantly ease the estate administration process. Useful Links Connect with Jason Gabrieli: LinkedIn Connect with Brittany Tedesco : btedesco@BRATTONLAWGROUP.COM Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and guest Brian Masessa, CPA from Premier Accounting Services, delve into the financial complexities that arise when a loved one passes away. They discuss the essential steps executors must take, the intricacies of probate, and the importance of proper documentation. Brian explains the different types of taxes involved, including income and estate taxes, and offers advice on how to manage and mitigate these liabilities. This episode is a must-listen for anyone looking to understand how to handle financial responsibilities after a death. Tune into this episode to also learn: The critical steps in the probate process and why timely action is crucial. How to manage and minimize estate and inheritance taxes. The role and responsibilities of an executor in estate management. Tips for preparing and organizing financial documents before death. What we discussed [00:01:19] Introduction to the sensitive topic of financial steps after death. [00:02:38] The role of an accountant in managing estates. [00:06:37] The probate process overview and key documentation needed. [00:10:43] Handling ongoing expenses and income after someone passes away. [00:16:09] Differences between estate and inheritance taxes. [00:24:07] Best practices for preparing and organizing financial documents. 3 Things To Remember Understanding the probate process helps in managing estate complexities efficiently. Proper documentation and early involvement of professionals can save significant tax expenses. Executors must be diligent in their fiduciary responsibilities to ensure fair and legal asset distribution. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Brian Masessa: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
In this episode of the Dollar Wise Podcast, host Jason Gabrieli is joined by Chad Willardson, president and founder of Pacific Capital, bestselling author, and co-founder of GravyStack. Chad shares his journey of teaching financial literacy to children, inspired by his experiences as a father of five. He discusses the development of GravyStack, an innovative app designed to help kids learn about money through practical activities, and the importance of financial education at a young age. Chad also delves into the philosophy behind his book "Smart Not Spoiled," offering practical advice for parents on raising financially responsible children. Tune into this episode to also learn: The inspiration and development behind the GravyStack app Practical steps for parents to teach their kids about money The importance of creating a family mission statement and financial values What we discussed [00:02:27] Financial education and entrepreneurship for kids [00:04:29] Teaching kids about money at home vs. school [00:06:03] Practical tips: No allowance, earning through chores [00:09:11] Integrating GravyStack methodologies into family life [00:11:07] Starting financial education early [00:12:01] Long-term vision for GravyStack and financial literacy impact [00:14:13] Practical steps for parents to get started 3 Things To Remember Kids learn about money through observation and practical experience. Stop giving allowances; instead, offer opportunities to earn. Create a family mission statement and discuss financial values regularly. Useful Links Connect with Jason Gabrieli: LinkedIn Connect with Chad Willardson: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrieli and Catherine Allen-Carlozo, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, discuss the most loaded question they encounter: "How much do I need to retire?" This discussion unpacks the factors that influence the answer to this question, highlighting personal spending, lifestyle choices, and strategic financial planning. By exploring various scenarios and personal anecdotes, they offer a comprehensive look into tailoring retirement planning to individual needs. Tune into this episode to also learn: Why retirement planning is highly personalized and varies significantly from one individual to another. The impact of personal spending and lifestyle choices on retirement needs. Strategic approaches to reduce overhead costs and enhance financial readiness for retirement. What we discussed [00:01:01] The complexity of determining the necessary retirement savings. [00:03:43] Strategies to reduce overhead and prepare financially for retirement [00:06:22] Implications of early retirement and maintaining lifestyle with reduced income. [00:09:57] The importance of a detailed personal budget or spending plan when planning for retirement. 3 Things To Remember Retirement needs are highly personalized—what works for one might not work for another. Reducing monthly overhead can significantly impact the amount needed for a comfortable retirement. A detailed and realistic spending plan is crucial for effective retirement planning. Useful Links Connect with Jason Gabrieli: | LinkedIn Connect with Catherine Allen-Carlozo | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome back to the Dollar Wise Podcast. In this episode, Jason Gabrielli, a certified financial planner, discusses the current trend of keeping money in cash. With high-yield savings accounts offering around 5%, many investors are unsure whether to invest or leave their money in cash. Jason highlights the importance of understanding historical returns and differentiating between short-term and long-term financial goals. He demonstrates how long-term investments in bonds and stocks have historically outperformed cash, despite recent attractive yields. The episode encourages listeners to align their cash holdings with their financial objectives and offers insights into market trends and behavioral finance. Tune into this episode to also learn: The psychological factors influencing our financial decisions. The historical returns of cash, bonds, and stocks over 30 years. The potential risks of relying on high-yield savings accounts for long-term goals. What we discussed [00:01:17] The current trend of keeping money in high-yield savings accounts. [00:04:07] Behavioral finance and the fear of losses over potential gains. [00:07:21] Historical returns of cash, bonds, and stocks over 30 years. [00:10:50] The importance of aligning cash holdings with financial goals. [00:14:40] How to balance short-term and long-term financial objectives. 3 Things To Remember High-yield savings accounts offer short-term benefits but might not be ideal for long-term goals. Investing in diversified assets, like bonds and stocks, has historically provided better returns over time. Aligning cash holdings with financial objectives is crucial for effective financial planning. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Listen to EP.39 “Let’s Talk About Cash” - Apple | Spotify Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Jason Gabrieli and Tyler Reedman, both CERTIFIED FINANCIAL PLANNERS at HFM Investment Advisors, dispel common misconceptions about 401(k) contributions. They dissect the difference between matching the employer’s contribution and maxing out a 401(k). They discuss contribution limits and strategies to increase contributions incrementally so you can optimize your savings. This episode is a must-listen for anyone looking to take full advantage of their 401(k) potential. Tune into this episode to also learn: The real meaning of 'maxing out' your 401(k) and common misconceptions. How automatic escalation can effortlessly boost your 401(k) savings. The impact of choosing between Roth and pre-tax contributions on your take-home pay. What we discussed [00:01:22] Misconceptions about maxing out 401(k) contributions and the actual limits. [00:06:09] Insights from Vanguard's 'How America Saves' report and average saving rates. [00:08:41] The concept of reverse budgeting and its impact on savings habits. [00:11:00] The benefits of automatic escalation in 401(k) contributions. [00:13:32] The importance of focusing on contribution rates over market performance. 3 Things To Remember Maxing out your 401(k) involves understanding and utilizing the actual dollar limits, not just the employer match. Incremental increases in contributions can significantly impact your retirement savings without overwhelming your current finances. Understanding the nuances between Roth and pre-tax contributions can optimize your long-term savings and tax benefits. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
When you retire, do you want to stay in New Jersey? Jason delves into the common concerns about retiring in New Jersey, such as the state’s reputation for high taxes and living costs. He also covers recent changes and programs like the Senior Tax Freeze and the Stay NJ program that make New Jersey a more appealing retirement destination. Lastly, he discusses the nuances of property and income taxes, providing valuable insights for those considering retirement in the Garden State. Tune into this episode to also learn: How recent tax reforms in New Jersey benefit retirees, particularly concerning property taxes. The implications of the Senior Tax Freeze and Stay NJ program for property tax relief. Key facts about New Jersey's income tax exclusions for retirement income. What we discussed [00:01:00] Debunking myths about retiring in New Jersey due to high costs. [00:02:15] Understanding the Senior Tax Freeze program benefits for retirees. [00:04:23] Introduction to the Stay NJ program and its potential for senior citizens. [00:06:28] Insights into New Jersey's income tax benefits for retirement income. [00:10:02] The significant shift in New Jersey’s estate tax laws and its impact. 3 Things To Remember New Jersey has made significant strides in becoming a more retirement-friendly state through various tax benefits. Programs like the Senior Tax Freeze and Stay NJ aim to alleviate the property tax burden for seniors. Understanding New Jersey’s unique tax exclusions and laws can benefit retirees financially. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Home improvements, purchasing electric vehicles, and installing a qualified vehicle refueling and recharging apparatus at your home could entitle you to a tax credit. Jason reviews the different types of credits, their requirements, and the importance of consulting a tax advisor to optimize these opportunities to integrate them into your financial plan. Tune into this episode to also learn: Specifics of energy-efficient home improvement credits for installations like doors, windows, and HVAC systems. Details of the residential clean energy credit for adding renewable energy sources to your home. Insights into tax credits for purchasing new and used clean vehicles, including EVs and hybrids. Understanding the alternative fuel refueling property tax credit for installing EV charging stations. What we discussed [00:00:24] Introduction to clean energy tax credits [00:01:39] Home energy improvements and applicable tax credits [00:03:15] Residential clean energy credits for renewable energy installations [00:05:07] Tax credits for purchasing new and used clean vehicles [00:09:26] Credits for installing vehicle refueling and recharging stations 3 Things To Remember Clean energy tax credits offer financial incentives for eco-friendly home improvements and vehicle purchases. Understanding the specifics of these credits is crucial for maximizing benefits. Consultation with a tax advisor is essential for integrating these credits into your financial strategy. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Are you enrolled in a Health Savings Account? (HSA) In addition to being used for immediate medical expenses, it provides tax advantages and can be used as an additional retirement tool. Jason reviews the requirements for an HSA, such as enrolling in a high-deductible health plan and the potential to invest contributions for long-term growth. He also introduces the concept of a Limited Purpose Flexible Spending Account (FSA), which can complement an HSA by covering specific health expenses like dental and vision care. Tune into this episode to also learn: How HSAs can be strategically used for both immediate and long-term health expenses The criteria and benefits of enrolling in a high-deductible health plan to qualify for an HSA The advantages of investing in HSA contributions to build additional retirement savings Understanding the role and benefits of limited-purpose FSAs in conjunction with HSAs, specifically for dental and vision expenses What we discussed [00:01:14] Eligibility criteria for HSAs [00:02:12] Using HSAs as an investment tool for retirement. [00:03:16] Strategy for utilizing HSAs for future health expenses. [00:05:07] Eligibility and usage of Limited Purpose FSAs 3 Things To Remember HSAs offer tax advantages and can be used for immediate and future health expenses. Investing in HSA contributions can provide additional retirement savings. Limited Purpose FSAs are valuable for covering specific health costs, complementing HSAs. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
This year, students and their families will notice significant changes to the Free Application for Federal Student Aid (FAFSA) process. We'll review these changes and how they can impact families navigating college funding. Key topics include the reporting of student income, business and farm assets, retirement plan contributions, and the implications of having multiple children in college. Jason also touches on the impact of grandparent-owned 529 college savings plans on FAFSA results. Tune into this episode to also learn: How the new FAFSA rules in 2024 differ from previous years. The importance of understanding the nuances of reporting student income and parental assets. Strategies for maximizing college funding and financial aid opportunities. What we discussed [00:01:16] New criteria for reporting student income on FAFSA. [00:05:29] Inclusion of business value as an asset in the FAFSA. [00:07:51] Understanding the role of 529 college savings plans in financial aid. 3 Things To Remember FAFSA changes in 2024 bring significant implications for students and parents. Detailed understanding and strategic planning can lead to better financial aid outcomes. Seeking advice from financial and tax advisors is crucial in navigating these changes. Memorable moments: (07:51) "You could put contributions into there and it grows tax-free and then you take the money out for educational purposes and you don't get taxed on the growth. That's what a 529 college savings plan is." (08:47) "So now that obstacle to the grandparent owning the 529 account is no longer as big of an issue as it was before." (09:38) "Retirement plan contributions that you make out of your paycheck to employer 401k plans, 403b plans are no longer added back to your income." Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Bitcoin has made a comeback in the last few weeks with the SEC's recent approval of Bitcoin ETFs. So, what does this mean for investors? Jason explains the implications of the Bitcoin ETFs, their accessibility for average investors, and the impact of this development on the value of Bitcoin while evaluating the risks regarding your investment strategy. He also discusses the broader context of investing in volatile assets like Bitcoin and offers guidance on approaching them within a diversified investment portfolio. Tune into this episode to also learn: The fundamentals of Bitcoin ETFs and their role in the financial market. Key differences between investing in Bitcoin directly versus through an ETF. The potential risks and rewards of including Bitcoin in your investment portfolio. Practical tips for investors considering Bitcoin as part of their investment strategy. What we discussed [00:00:51] Introduction to Bitcoin ETFs and its significance. [00:02:15] Risks associated with cryptocurrency exchanges. [00:03:15] Explanation of ETFs and their comparison to mutual funds. [00:06:35] Integrating Bitcoin into your overall investment strategy. [00:09:04] Where Bitcoin and cryptocurrencies fit in a portfolio. [00:11:47] Skepticism about market predictions and forecasts. 3 Things To Remember Bitcoin ETFs make cryptocurrency more accessible to mainstream investors, but they come with inherent risks and volatility. Investments should ideally create value, and while cryptocurrencies can store value, they don't inherently create it like stocks or bonds. It's crucial to approach investments like Bitcoin with caution and integrate them wisely into a diversified portfolio, avoiding overexposure. Memorable moments: (01:33) “For the average person, buying cryptocurrencies meant opening an account on an app and purchasing through an exchange.” (07:25) “A true investment should create value, like stocks or bonds. Cryptocurrencies, like gold, are more about storing value.” (10:56) “Be cautious with investments that are merely stores of value and subject to market whims.” Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
So, how did 2023 end up? According to the news or social media, the economy and the average person are worse off than ever. In this episode, Jason and Catherine refute that notion with real-world data and examples, and provide a balanced perspective on current economic conditions, including inflation, the GDP, and the growth of personal net worth in the U.S. Tune into this episode to also learn: How does the constant stream of negative financial news affect our perception of the economy? What are the actual numbers behind the U.S. economy's performance post-pandemic compared to the rest of the world? How have American families' net worth grown over recent years, and what does this mean for the average person? What we discussed [00:11:00] The impact of negative news on our perception of the economy and financial markets. [00:15:30] Analysis of U.S. GDP growth and comparison with other countries post-pandemic. [00:20:45] Examining the net worth growth among American families and its significance. 3 Things To Remember Despite negative media narratives, the U.S. economy has shown resilience and growth, outpacing many other nations post-pandemic. Personal net worth in the U.S. has significantly increased, reflecting an overall positive trend in financial well-being. Understanding the broader economic context is critical to maintaining a balanced perspective in times of uncertainty. Memorable moments: (01:27) “ what we want to do with this kind of closing out the year is just give you some perspective. We know that we've always loved bad news, but it seems like increasingly, it's almost like we're addicted to it. It's just everywhere.” (04:08) “So not only have we recovered from what happened during the pandemic, we're a little bit ahead. And it's important to put that in context, because guess what? When you look all around the rest of the world, everyone is at least two to six percent behind. Yeah, is a half a percent better? Great? No, but it's way better than everyone else.” (09:53) “And what's really interesting is the growth on different age groups. The under 35 age group, which I just exited, you know, even with the housing issues and affordability and buying, I get that, but that group, their net worth is up 143 percent in the last three years. Crazy. It's 55 to 64, up 48 percent across the board” Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Welcome to a festive edition of the Dollar Wise podcast! Jason Gabrieli and Catherine Allen-Carlozo, both Certified Financial Planners at HFM Investment Advisors, delve into the latest world of Artificial Intelligence (AI)stocks. Tune in to hear them discuss the recent trends of investing in AI and the massive influx of AI-related companies. You will explore the risks, opportunities, and misconceptions surrounding AI investments and understand the need for caution and well-informed decisions. It's a conversation packed with insights, making it a must-listen for anyone curious about AI's role in the future of investing. Tune into this episode to also learn: What defines an AI stock, and how has the AI investment landscape evolved recently? What are the potential risks and benefits of investing in AI stocks, and how can investors navigate this field wisely? How do major companies incorporate AI into their business models, and what does this mean for investors? What we discussed [00:01:19] The emergence and impact of AI stocks in the market [00:03:34] The parallels between AI stocks and other investment trends like dot com and cannabis companies [00:05:18] Why established companies are key players in AI development and how this affects investment strategies [00:07:22] The buzz around AI and its influence on stock market trends [00:09:15] The psychological factors like FOMO affecting investment decisions in trendy sectors [00:10:24] Strategies for balanced and responsible investing in AI stocks 3 Things To Remember 1. AI stocks represent a diverse and rapidly evolving investment landscape, requiring thorough research and cautious decision-making. 2. Established companies with AI integration may offer more stable investment opportunities compared to new AI startups. 3. Balancing excitement for AI investment with a diversified portfolio and sound financial planning is crucial to mitigate risks. Memorable moments: (03:59) “ It's very interesting to me how much is going into health care and data management processing, the iCloud, as we all know, FinTech. Financial data sets and cyber security. I think that's going to be very important.” (08:33) “That's what scares me about if someone just says, Oh, I'm going to do a little research. First of all, you better have a lot of time on your hands to be able to do the kind of research to research 4,600 companies just in the U.S. To decide whether you should be investing in these companies.” (12:03) “As long as you're not derailing your whole financial plan to chase the next hot thing, because I don't think AI is going to be the next NFTs, but it can just be gone in a year. It is going to change things. It probably is going to make our society different for sure, but it's something that you still shouldn't all of a sudden take a left turn on your entire investing to pursue.” Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Jason Gabrieli is joined by recurring guest Bill Webb from Saratoga Medicare Advisors to dive into the topic of Medicare. They recognize that Medicare can be a complex subject and often misunderstood, leading to surprises regarding coverage. Jason and Bill aim to provide valuable insights and dispel misconceptions about Medicare. They start by breaking down the different parts of Medicare, exploring what they cover and who is eligible. They also discuss the options available regarding Medicare supplement and Medicare Advantage plans, highlighting the differences and benefits of each. Whether you're approaching Medicare eligibility or just looking to expand your knowledge, this episode is packed with valuable information to help you make informed decisions about your healthcare coverage. Tune into this episode to also learn: What are the different parts of Medicare, and what do they cover? How do Medicare supplement plans differ from Medicare Advantage plans, and what are the benefits of each? Who is eligible for Medicare, and how can one avoid misconceptions surrounding its coverage? What we discussed [00:01:30] Explaining Medicare's parts and covering gaps [00:07:40] How the government outsources Medicare to private insurance with varying coverage [00:10:20] The choice between Medicare supplement and Advantage is reversible but can be complex [00:12:55] The Inflation Reduction Act changes Medicare Part D, majorly affecting catastrophic coverage [00:16:26] Formulary: List of covered drugs; yearly changes can affect out-of-pocket costs 3 Things To Remember Medicare, though beneficial, can be a maze with its intricate facets and is often misinterpreted, resulting in unforeseen challenges regarding coverage. Understanding the various components of Medicare, including the distinct options between Medicare supplement plans and Medicare Advantage plans, can guide you in making an enlightened choice tailored to your healthcare needs. Seeking expert insights, as provided in this episode, can help ensure that you're well-equipped to navigate the intricacies of Medicare, promoting confidence in your healthcare decisions. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Whatever happened to that old 401(k) at your first job? Today, learn how to manage old employer retirement plans. Throughout this episode, gain insight into the various paths you can take with accrued retirement balances from past employment ventures. Jason reviews the options available to you, discussing the benefits and drawbacks of each to aid you in making informed choices regarding your retirement nest egg. As the conversation unfolds, you'll be acquainted with options such as retaining the plan with its current status, merging it into a new employer's arrangement, shifting it to an IRA, or opting for a lump sum withdrawal. Tune into this episode to also learn: What are the pros and cons of leaving your 401K balance with your old employer? How can transferring your retirement plan to an IRA benefit you in the long run? What should one consider before opting for a lump sum withdrawal from their retirement plan? What we discussed [00:00:46] Options and considerations for managing old 401K plans [00:02:52] Pros and cons of rolling old 401K into new employer's plan [00:05:52] Lump sum withdrawal pros and cons including potential taxes and penalties [00:7:51] Exploring retirement plan options post-employment 3 Things To Remember Navigating the management of old employer retirement plans offers several paths, each with its unique set of advantages and downsides, which can be meticulously weighed to make an informed decision. A key decision point in managing your 401K balance from previous jobs includes evaluating options such as retaining it where it is, initiating a rollover into a new employer’s plan, transferring it to an IRA, or extracting it as a lump sum. Making a prudent choice concerning your retirement savings now can set a firm foundation for financial security in the later stages of life, and consulting with an expert can be a step toward making an informed decision. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Would it ever make sense to sell your house for a few bucks? Jason Gabrielli dives into the world of estate planning, specifically focusing on the ownership of your house. Jason addresses a common misconception about selling your house to your kids for a low price, debunking the idea that it can help avoid taxes. He explains the federal estate tax exemption and the absence of estate tax in New Jersey, shedding light on why most people don't have to worry about estate taxes. Jason also discusses the concern of protecting your house from the cost of care and the potential downside of transferring ownership. Additionally, he touches on probate avoidance and the ease of estate administration in New Jersey. You will learn the importance of understanding the liability that comes with transferring ownership to your children, potential drawbacks, and considerations. Tune into this episode to also learn: What are the potential benefits and drawbacks of selling your house to your children for a reduced price? Why has the concept of selling your house to your kids for a few dollars become a common consideration in estate planning? What are the legal and financial implications to be aware of when considering such a transaction? What we discussed [00:01:59] Federal estate tax exemptions are high; no NJ estate tax [00:04:14] Most won't face death taxes; considering home protection from care costs [00:06:15] NJ probate is reasonable; selling home to kids raises liability issues [00:9:17] Selling a house to kids for $10 can cause significant tax issues 3 Things To Remember Many people don't need to sell their house to their kids for $10 to avoid taxes, thanks to high federal estate tax exemptions and no estate tax in New Jersey. Giving your house to your children might protect it in some cases, but it can bring big risks like potential legal troubles for your children affecting your living situation. In New Jersey, passing on your assets through probate is generally simple and affordable, so selling your house to your kids for $10 to avoid it might not be necessary. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Jason Gabrieli zeroes in on a topic he often discusses with clients: investing for the younger generation in your family. Jason reviews the options available to you as a parent, grandparent, or guardian to begin fostering a secure financial future for them. Jason reviews several options, including accounts available under a custodian's supervision, individual or joint investment accounts, and, of course, the classic 529 college savings plan. Tune into this episode to also learn: What makes UTMA and UGMA accounts a secure choice for investing in the younger generation's future, and what are the caveats? How does opening an investment account in your or your spouse's name work, and what control does it grant you over the funds designated for your children or grandchildren? What is the 529 college savings plan, and what are the stipulations for the tax reliefs it offers? What we discussed [00:01:20] Exploring UTMA/UGMA accounts for child investments [00:03:02] Maintaining control with child-earmarked personal investment accounts [00:03:36] 529 plans: state-sponsored, tax-deferred college savings [00:08:17] Roth IRAs for kids: great benefits but requires earned income 3 Things To Remember UTMA and UGMA accounts allow minors to hold assets with a custodian until a specific age, offering a flexible yet controlled approach to early-age investments. Setting up an investment account individually or jointly with a spouse grants you the liberty to dictate the terms of fund usage, helping to maintain a secure financial future for the younger members of your family. The 529 college savings plan is a government-backed initiative facilitating tax-free growth of savings for educational purposes, albeit with the condition that the funds be used for approved educational expenses. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
HFM is shining the spotlight on the crucial topics of elder law planning and life care planning. CERTIFIED FINANCIAL PLANNER Jason Gabrieli is joined by Brittany Tedesco, Esq. from Bratton Law Estate and Elder Attorneys, a seasoned expert in the field, guides listeners through the various aspects and timelines associated with these services. The conversation centers around the practical side of end-of-life planning and the resources available to those navigating this process, with the objective is to ease the pressure on the family and the client, allowing them to focus on their roles without worrying about technical aspects. Tune into this episode to also learn: What is the importance of pre-crisis planning in elder care? How does the role of a Care Coordinator in an elder law firm help in facilitating the process of elderly care? What are the different factors considered when planning for elder care services? What we discussed [00:01:42] Elder law attorney offers comprehensive life care planning [00:05:17] Life care planning involves understanding client's concerns, goals, and financial state to provide personalized care plans [00:09:08] Seek advice for elder care and caregiver burnout [00:10:30] Estate planning firms offering life care planning can provide peace of mind for the future 3 Things To Remember Elder law attorneys provide much more than just wills and powers of attorney, they can provide guidance beyond that including what they call life care planning services. Having a care coordinator can relieve the family and the client of a lot of pressure and make sure they can focus on being the child or the parent and not worry about uncomfortable conversations or making big decisions. It's good to think about these things in advance and have a plan for emergencies. Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
CERTIFIED FINANCIAL PLANNER and Registered Social Security Analyst Catherine Allen-Carlozo sits with Jack McGee to delve into the world of social security and retirement planning. They emphasize the value of informed decision-making when it comes to social security benefits and retirement age. The discussion centers around exploring various options and strategies to maximize social security earnings. Accurate income figures take the spotlight, dispelling prevalent misconceptions about social security. Tune in as Catherine and Jack shed light on these crucial aspects of financial planning on this insightful episode of Dollar Wise. Tune into this episode to also learn: What factors should be considered when deciding when to start collecting social security? How can understanding the income figures and formulas for social security help in making informed retirement decisions? What strategies can be employed to maximize social security benefits and ensure a comfortable retirement? What we discussed [00:02:15] Social Security analysis provides informed decisions for retirement strategies [00:05:11] Analysis can bring confidence and excitement to retirement decisions [00:09:32] Education empowers smart decisions, debunking myths about social security's future 3 Things To Remember Importance of education: The more educated you are about social security, the better decisions you can make regarding retirement planning. Analysis and visualization: Through detailed analysis and visual presentations, you can see the actual numbers and projections, helping you make informed decisions about social security and your retirement income. Debunking fears and misconceptions: Addressing common concerns and myths about social security, such as it running out of money, provides reassurance and confidence in its long-term benefits. Useful Links Connect with Catherine Allen-Carlozo : LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Although the two might be used interchangeably, rich and wealthy have two meanings in financial planning. CERTIFIED FINANCIAL PLANNERS Jason Gabrieli and Catherine Allen-Carlozo discuss the importance of saving, building wealth, and aligning spending with financial goals. They emphasize the role of net worth and assets in achieving financial freedom, dispel the belief that wealth is only about lifestyle and consumption, and stress the significance of living below one's means and making wise financial choices. They provide examples and insights to encourage long-term wealth building and advise against get-rich-quick schemes. Tune into this episode to also learn: Is income alone enough to determine wealth? How can you prioritize building net worth and assets? What are the benefits of living below your means? What we discussed [00:02:04] Net worth measures wealth; income indicates lifestyle [00:04:01] Income and wealth levels in the US [00:08:02] Income doesn't matter, spending does [00:11:58] Building wealth takes time and consistency [00:13:45] Choices and investments lead to financial freedom 3 Things To Remember Building wealth is not just about earning a high income, but also about saving and managing your finances effectively Net worth is a key indicator of wealth, measuring the value of your assets minus your liabilities Financial freedom varies for everyone, and it's important to live below your means and make wise financial choices to build wealth over time Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Catherine: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
On this episode of Dollar Wise, Jason Gabrieli and Catherine Allen Carlozo dive into the topic of gold as an investment. Recent events like COVID-19 and stock market fluctuations have made people lose faith in their sources of security, leading to increased demand for gold investment. However, investing in gold should only be done with moderation and should be evaluated in terms of where it fits into an investor's portfolio and long-term goals. They also discuss the risks and benefits of investing in gold, as well as its performance in the short and long term. Ultimately, listeners are urged to seek advice from a qualified tax, legal, or investment advisor to determine whether investing in gold is appropriate for their specific situation. Tune into this episode to also learn: Is investing in gold a good idea? Should gold make up a large percentage of a long-term portfolio? What are some important things to keep in mind when investing in gold? What we discussed [00:00:54] The allure of gold: Tangible, yet its value fluctuates [00:04:06] The perception of gold as a safe haven: Short-term value, long-term limitations [00:08:36] Gold ownership involves moderation and diversification within a long-term portfolio [00:11:36] Diversification is key, including understanding gold's role in a portfolio 3 Things To Remember Recent events such as banking system failures, COVID-19, and stock market fluctuations have led to uncertainty, causing people to lose faith in their sources of security Gold should only make up a small percentage of a long-term portfolio, especially for retirement It's important to avoid getting distracted from a long-term investment plan by short-term trends in the market, such as rising interest rates or fluctuating bank accounts. Additionally, buying and storing gold is expensive and risky, and commission rates and taxes for selling gold are high. Investing in ETFs or keeping it simple may be a better option Useful Links Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
The real estate market is as competitive as ever, even for the most qualified buyers. And if you’re like most people and need to place contingencies in your offer, such as needing to sell your home first or getting approved for a mortgage, the seller would incur greater risks with you and so they would likely choose a cash offer instead. Thomas Bickett from AnnieMac Home Mortgage joins Jason to discuss how anyone can become a cash buyer with their Cash2Keys Program, a game-changing solution that empowers buyers to secure their dream homes with confidence. Tune into this episode to also learn: Will 2008 repeat itself? Why sellers keep rejecting your offers How to make an offer a seller cannot refuse What we discussed (00:31) Buying a single family home (02:34) Why sellers don’t accept conditional offers (03:08) Are we in a real estate bubble? (04:56) Are interest rates too high? (05:48) How anyone can become a cash buyer (10:16) How Cash2Keys works 3 Things To Remember Reasons the real estate market is nothing like 2008: (a) people are overqualified for their mortgages rather than underqualified, and (b) there is more demand than supply. Using the Cash to Keys program, you can buy a new home without any contingencies. You can buy a new home now and sell your existing home later. Here’s how cash to keys works: get prequalified → cash to keys buys your house and helps you put in a cash offer that stands out → you buy it back from cash to keys as soon as you’re ready Useful Links Cash to Keys: Cash2Keys | Thomas Bickett (annie-mac.com) Thomas Bickett: LinkedIn | Phone: (856) 375-8679 AnnieMac Home Mortgage: https://thomasbickett.annie-mac.com/ Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
Summary College is one of the biggest investments a family might make. But, most families jump in head first without understanding the true cost of college or calculating the potential return on investment. This episode is about how to make wise investment decisions when it comes to your child’s education, the resources available to parents and students, and alternative options besides college. Tune into this episode to also learn: What you should consider to narrow down a list of right-fit colleges for your child Find out what college will really cost you Alternative learning paths besides college What we discussed (00:37) What do college admissions companies do? (04:36) Is college a wise investment? (07:42) Signs college is not a right fit for your child (14:04) Calculating the real cost of college (18:27) Colleges with generous financial aid 3 Things To Remember Before deciding if college is a wise investment, you first need to identify the purpose you want college to serve in your life and career. What skills are you trying to acquire? What career are you trying to get into? Answer these questions then work backwards. College is not for everyone, there’s a reason only 50% of college students end up graduating. You can find gainful employment without college such as attending a trade program. There are colleges like Georgetown that will cover a family’s full financial need through financial aid packages as long as the student is admitted. Useful Links Best cost of college calculator (EFC calculator): https://finaid.org/calculators/finaidestimate/ Net price of college calculator: https://collegecost.ed.gov/net-price Connect with Donna Baines: LinkedIn | Website Connect with Jason Gabrieli: jgabrieli@HFMadvisors.com | LinkedIn Connect with Tyler Reedman: LinkedIn Like what you’ve heard… Learn more about HFM HERE Schedule time to speak with us HERE Check out our Financial Wellness Program – HFM Ignite…
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.