Employee Education: Budgeting and Saving

Employee Education: Budgeting and Saving

Take Control of Your Finances with Our On-Demand Webinar and Budgeting Worksheet Managing money can feel overwhelming, but it doesn’t have to be. This on-demand webinar and budgeting worksheet are here to help! This educational toolkit is designed to give you the confidence to budget, save, and plan for the future. Watch the Video What the webinar covers Why budgeting matters: Discover where your money is going and take charge of your finances. Debt strategies: Find out how to pay down debt while still saving for what’s important. Goal setting made simple: Plan for emergencies, vacations, and retirement with ease…

Read more
Building Systems, Developing Leaders: From Corporate Exec to Trusted Small Business Advisor with Jim Bradley

Building Systems, Developing Leaders: From Corporate Exec to Trusted Small Business Advisor with Jim Bradley

In this episode, Michael is joined by Jim Bradley, founder of Precision Profit Strategies, to discuss his transformation from a corporate leader at companies like FedEx and Ready Pac Foods to a trusted advisor and coach for small businesses. Jim shares how his corporate experience with leadership development, lean manufacturing, and process improvement now serves his entrepreneurial mission: helping business owners build systems, develop leaders, and reclaim their time. This episode offers valuable takeaways for entrepreneurs looking to create scalable, self-sustaining businesses. Tune into this episode to also learn: How lean methodology can drastically improve small business profitability. Why leadership…

Read more
Beyond the Miles: What Happens to Your Travel Rewards When You Pass Away?

Beyond the Miles: What Happens to Your Travel Rewards When You Pass Away?

The Travel Hacking Phenomenon As travel hacking gains popularity, more people are collecting points and miles through credit cards, airline programs, and hotel loyalty programs. The rewards often translate into free flights, hotel stays, or once-in-a-lifetime experiences at little to no cost. Tyler Reedman, an advisor at HFM Investment Advisors, is especially passionate about the subject, having successfully planned a 15-night honeymoon to Greece using points. Tyler highlights the importance of leveraging credit card spending to maximize points accumulation, saying, “It’s about taking the money you’re already spending on credit cards and doing it strategically.” The benefits of travel hacking…

Read more
What Happens to Your Travel Points When You Die?

What Happens to Your Travel Points When You Die?

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…

Read more
Rising to the Top: South Jersey Elevators’ Bill McGrath’s Path to Excellence and Innovation

Rising to the Top: South Jersey Elevators’ Bill McGrath’s Path to Excellence and Innovation

In the competitive world of elevator installation and maintenance, few stories resonate as deeply as that of Bill McGrath, the founder of South Jersey Elevators (SJE). Bill’s journey from humble beginnings to establishing a thriving business over the last 12 years showcases the resilience, hard work, and lessons learned from setbacks. His story is an inspiring tale of entrepreneurship, dedication, and the importance of family support, all while navigating the ups and downs of building a company in a challenging industry. The Beginning: Taking a Leap of Faith Bill McGrath’s path to entrepreneurship wasn’t an immediate leap, but rather, a…

Read more
Building a Business from the Ground Up with Bill McGrath

Building a Business from the Ground Up with Bill McGrath

In this episode of The Entrepreneur’s Journey, host Michael Pallozzi sits down with Bill McGrath, owner of South Jersey Elevator, to discuss his journey from working in the trades to launching and scaling his own successful elevator company. Bill shares his early influences, the pivotal moment that led him to take the leap into entrepreneurship, and the challenges he faced along the way. He also talks about the lessons he learned from his father, the importance of resilience, and the future of his company, including his son’s growing role in the business. Tune into this episode to also learn: How…

Read more
Shifting from Saver to Spender: Embracing Financial Freedom in Retirement

Shifting from Saver to Spender: Embracing Financial Freedom in Retirement

As we approach retirement, one of the biggest transitions we face is shifting from the mindset of a saver to that of a spender. This change is often more difficult than it sounds. Many of us have spent our entire working lives focused on saving, and once the steady paycheck stops, it can feel like an overwhelming leap to start spending the wealth we've worked so hard to build. In the latest episode of the Dollar Wise Podcast, Catherine Allen-Carlozo, Certified Financial Planner at HFM Investment Advisors, explored this very topic with a couple of retired clients who were struggling…

Read more
Retirement Leadership Insights

Retirement Leadership Insights

Wondering how to help your 401(k) plan and committee succeed? Explore our Retirement Leadership Insights newsletter: it covers simple ways to keep your plan on track! What does a 401(k) committee do? A committee’s work shapes the success of your plan! Read about what they focus on. Tips for smooth committee transitions New members on the committee? Keep things running smoothly with these tips. Should you consider auto-features? Auto-enrollment and auto-escalation help employees save—automatically! But they’re not for everyone. Read the Full Newsletter 102 WEST HIGH STREET, SUITE 200 GLASSBORO, NJ 08028 HFM Investment Advisors, LLC is a registered investment…

Read more
From Saver to Spender: How to Enjoy Your Money in Retirement Without Fear

From Saver to Spender: How to Enjoy Your Money in Retirement Without Fear

  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:…

Read more
Should You Consider Auto-Features for Your Retirement Plan?

Should You Consider Auto-Features for Your Retirement Plan?

Auto-enrollment and auto-escalation are now standard for new plans. But how can you know if these “table-stakes” are a good option for your plan?   Studies have shown that auto-features, such as auto-enrollment and auto-escalation, help boost participation and savings rates. However, not all plans offer these plan design features, and existing plans aren’t obligated to adopt them. Under the SECURE Act 2.0, new 401(k) and 403(b) plans must include auto-enrollment and auto-escalation, beginning in 2025. Choosing to include automatic features in your retirement plan design is an important and potentially complex decision.   Here are some key factors to…

Read more
Load More
Back To Top
LET'S TALK