Taking the “Insecurity” Out of Social Security.

Taking the “Insecurity” Out of Social Security.

When to claim Social Security benefits is one of the most crucial decisions to make when planning for retirement, and only some people understand how Social Security benefits work or how to optimize their benefits, resulting in someone taking them at a sub-optimal time. Some common questions you may ask yourself include: Will Social Security be there for me? When does it make sense to delay benefits- and when does it not? Is there an optimal time? What if I'm single, divorced, widowed, married or remarried? Can I still work and collect my benefits? What is the connection with Medicare?…

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Unlock Employee Potential with an Effective and Appealing Total Rewards Program

Unlock Employee Potential with an Effective and Appealing Total Rewards Program

New Jersey businesses are adding holistic benefits and introducing Total Rewards programs designed to improve employee satisfaction. You may have heard of a Total Rewards Strategy. It is a recruiting and retention strategy given that it goes beyond the traditional salary benefits by providing holistic rewards that entail added motivation for employees. This strategy allows companies to improve employee satisfaction without compromising business goals – it's an all-around win! What is a Total Rewards Strategy? A Total Rewards Strategy is an approach that organizations take to structure and manage employees' compensation and benefits programs, encompassing both financial and non-financial incentives…

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Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

Aging with Grace: Ensuring a Burden-Free Future through Life Care Planning

  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, who 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…

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Calculating Your Optimized Social Security Formula

Calculating Your Optimized Social Security Formula

  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…

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Rich vs. Wealthy: What’s the Difference?

Rich vs. Wealthy: What’s the Difference?

  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…

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Contingency-Free Real Estate: How Anyone Can Become A Cash Buyer

Contingency-Free Real Estate: How Anyone Can Become A Cash Buyer

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…

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Engage Your Employees with Financial Wellness

Engage Your Employees with Financial Wellness

Curious about the latest trends in employee benefits to boost engagement? More and more employers are becoming aware of the positive impact of financial wellness. A well-crafted financial wellness program can provide employees with the knowledge and tools to understand why, when, and how to achieve savings success. It’s important to understand the implications of financial stress in the workplace, how much it might be costing you, and the value behind financial education on an ongoing basis. At HFM, we offer financial wellness tools and resources designed to engage employees and put financial freedom within reach. HFM Ignite financial wellness…

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Improve Your Bottom Line With a Financial Wellness Program

Improve Your Bottom Line With a Financial Wellness Program

A financial wellness program can help protect your company from the negative effects of financial stress. If you are looking to improve your bottom line, perhaps you should consider the business case for financial wellness.  Your company can be feeling the effects of the high cost of turnovers, as well as silent quitting behaviors such by minimal effort and enthusiasm. But with a proactive approach to managing finances through the implementation of a financial wellness program, New Jersey businesses can help alleviate money-related pressures while boosting morale and improving their company’s bottom line. Calculate how much your company will benefit…

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Compete for Top Talent in a Tight Labor Market

Compete for Top Talent in a Tight Labor Market

To compete for top talent, companies are looking for innovative ways to stand out in a competitive labor market. Employees are looking for beefed-up benefits that support their social, physical, mental, and financial well-being.   Focusing on employee well-being is a key strategy companies use to compete for top talent. Creating a culture of wellness in the workplace is a trend that’s catching on with employers across the country. Especially with the tight labor market in New Jersey, this could be a way to stand out from the competition. A culture of wellness encourages employee health and well-being holistically by…

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Making College Count: Calculating the Long-Term ROI of Your Education

Making College Count: Calculating the Long-Term ROI of Your Education

  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. Donna Baines of Baines College Planning joins Jason to discuss 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…

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