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2024 FAFSA Updates: Navigating Changes in College Funding for Families

2024 FAFSA Updates: Navigating Changes in College Funding for Families

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…

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Bitcoin ETF, Where Does It Fit Into Your Investments?

Bitcoin ETF, Where Does It Fit Into Your Investments?

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.…

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Navigating the New Normal: A 2023 Economic Overview

Navigating the New Normal: A 2023 Economic Overview

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…

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Should You Invest in AI Stocks?

Should You Invest in AI Stocks?

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…

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Breaking Down Medicare: What You Should Know Before Enrolling

Breaking Down Medicare: What You Should Know Before Enrolling

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,…

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What To Do With Those Old 401(k)s

What To Do With Those Old 401(k)s

  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…

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HFM Annual Coat Drive

HFM Annual Coat Drive

Our 2023 Annual Coat Drive is just about to begin and will continue until the beginning of January 2024. Over the past 13 years, we have gathered and distributed over 25,000 coats to those in need, fulfilling our mission to provide every man, woman, and child in need in the Gloucester County area. During the coat drive we deliver donations to several organizations, including Angels Community Outreach, Unforgotten Haven, Harbaugh Christmas Village, and many more. We are incredibly grateful to the students enrolled in the Y.A.L.E school, who are always a huge help to us. They will volunteer once a…

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Should You Sell Your House for $1?

Should You Sell Your House for $1?

Would it ever make sense to sell your house for a few bucks? Jason Gabrieli 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…

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How to Invest in A Secure Financial Future for Your Children

How to Invest in A Secure Financial Future for Your Children

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…

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The Marathon of Wealth: Investing Lessons from Distance Running

The Marathon of Wealth: Investing Lessons from Distance Running

Many people avoid running, which is understandable. You need to take time out of your busy schedule, only to exhaust your body. Perhaps fittingly, the same thing is true with your finances and investing. When people think about trying to get serious with their wealth, they often get intimidated, scared, and frustrated. Fortunately, there are plenty of parallels between distance running and investing. Not everyone in the world wants to become a “runner,” but the truths that tie the two disparate topics together apply to every single person who seeks financial independence. Investing, especially in the context of retirement, is…

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