Valentina Luchetti, Author at HFM Investment Advisors, LLC

Welcome back to the Entrepreneur’s Journey, a podcast dedicated to exploring the paths of successful entrepreneurs. In this episode, Michael Pallozzi sits down with Ron Cuff, co-CEO of High Point Home Services and Brand President of High Point Roofing. Ron shares his inspiring journey of transitioning from construction labor in his youth to building, scaling, and successfully exiting businesses in the trades industry. Listen as they delve into his upbringing, early challenges, and eventual successes, culminating in the development of "Forge," a comprehensive educational platform for trades business owners. This episode is packed with actionable insights for aspiring and seasoned…

Understanding the Investment Menu in Your Company’s 401(k) Plan

401(k), Financial Wellness

As a business leader overseeing your company's 401(k) plan and understanding the investment menu's intricacies can play a significant role in shaping your employees' retirement outcomes. In our comprehensive guide, we explore different ways to evaluate and improve your current offerings. We discuss innovative ideas for assessing your plan’s asset allocation strategies and provide recommendations for creating an effective investment line-up. Download the 401(k) Investment Menu Guide 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it…

Securing Retirement Futures: Strategies to Address Delayed Retirement

401(k), Financial Wellness

Does your 401(k) plan design support “on time” retirement? Delayed retirement is becoming increasingly common among Americans, impacting employers’ bottom lines, talent acquisition cycles, and overall productivity. A recent survey found that one in four employees anticipate working beyond their initially planned retirement age, and 9% fear they may never be able to retire.[1] This data supports a longer-term trend: since the early 1990s, rising labor force participation among older workers has lifted the average retirement age in the United States by three years.[2] Impact of delayed retirement on employers These findings have important implications for employers. While retaining…

Are Multi-Year Guaranteed Annuities a Smart Choice in a Rising Rate Market?

Investments, 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…

Complete Financial Checklist

401(k), Financial Wellness

Regularly reviewing finances is essential. As a retirement plan sponsor, encourage your employees to use an annual financial checklist. Get their families involved for added benefits. Making small adjustments yearly can boost confidence and financial well-being. Empower your employees to take small steps that can make a huge impact, reinforcing that proactive annual adjustments promote confidence and well-being for their financial futures. Download Employee Education 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied…

Mastering Business Transformation: Key Strategies for Small Business Owners with Jen Goldman

401(k), Business Owners

Welcome back to The Entrepreneur’s Journey! In this week’s episode, host Michael Pallozzi dives into a compelling conversation with business transformation expert Jen Goldman. Known for her work in helping small businesses thrive rather than just grow, Jen shares insights from her own entrepreneurial journey, which began with humble roots and has blossomed into a mission of empowering small business owners to find long-term success. This episode is packed with strategies for building financial clarity, establishing work-life balance, and making tough decisions that align with a business’s core values. Jen’s journey, as she explains to Michael, was driven by her…

Understanding the Investment Menu in Your Company’s 401(k) Plan

401(k)

As a business leader overseeing your company's 401(k) plan and understanding the investment menu's intricacies can play a significant role in shaping your employees' retirement outcomes. In our comprehensive guide, we explore different ways to evaluate and improve your current offerings. We discuss innovative ideas for assessing your plan’s asset allocation strategies and provide recommendations for creating an effective investment line-up. Download the 401(k) Investment Menu Guide HFM Investment Advisors, LLC. 856-232-2270 401kteam@hfmadvisors.com 102 West High Street Suite 200, Glassboro, New Jersey 08028 HFM Investment Advisors, LLC is a registered investment adviser. The information presented is for educational purposes…

From Burnout to Balance: Jen Goldman’s Guide for Thriving Businesses

Financial Wellness, Podcast

Welcome to this insightful episode of The Entrepreneur’s Journey, where Michael Pallozzi speaks with his longtime friend, business transformation specialist, Jen Goldman. They explore Jen’s passion for empowering small businesses to thrive, not just grow, and discuss her unique journey from humble beginnings to becoming a change agent for entrepreneurs. Jen reveals the critical importance of financial literacy, understanding profit and loss, and the discipline needed for businesses to make clear, strategic decisions. Through shared experiences and practical tips, Jen and Michael underscore how small business owners can build sustainable practices to drive growth, overcome burnout, and maintain a work-life…

HFM Annual Coat Drive

Newsletter

Our 2024 Annual Coat Drive is just about to begin and will continue until the beginning of January 2025. Over the past 14 years, we have gathered and distributed over 27,000 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…

Plan Design & Administration

401(k)

As we approach the end of the year, consider these important topics regarding your retirement plan. The newsletter covers information that can help the efficiency and compliance of your plan. Here's a brief overview: Retirement plan reviews Addressing retirement plan errors Strategies to address delayed retirement Read the full newsletter HFM Investment Advisors, LLC. 856-232-2270 401kteam@hfmadvisors.com 102 West High Street Suite 200, Glassboro, New Jersey 08028 HFM Investment Advisors, LLC is a registered investment adviser. The information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of…