Investments Archives - HFM Investment Advisors, LLC

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…

Charge Up Your Savings: Home Improvement and EV Tax Credit Overview

Financial Wellness, Investments, Podcast

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…

Bitcoin ETF, Where Does It Fit Into Your Investments?

Financial Wellness, Investments, Podcast

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.…

What To Do With Those Old 401(k)s

401(k), Financial Wellness, Investments, Podcast

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…

How to Invest in A Secure Financial Future for Your Children

Financial Wellness, Investments, Podcast

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…

The Marathon of Wealth: Investing Lessons from Distance Running

Financial Wellness, Investments

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…

Is the Stock Market Affecting Your Retirement Savings?

401(k), Investments

One of the keys to a successful retirement is to keep saving, no matter what the stock market is doing. The stock market is unpredictable. It goes up, it goes down, and it often leaves investors feeling uncertain about their financial future. But what does that mean for people saving for retirement? While it may be tempting to pull out of the market during a downturn, history tells us it’s often better to stay invested. HFM Investment Advisors, LLC. 856-232-2270 [email protected] 102 West High Street Suite 200, Glassboro, New Jersey 08028 HFM Investment Advisors, LLC is a registered…

Finding Opportunities in the Chaos: Why You Should Invest During Market Volatility

Business Owners, Financial Wellness, Investments, Podcast

2022 was a rough year for investors. And when the market becomes challenged, people begin to feel intimidated and might look to put their money elsewhere. And yes, investing involves risk, but don't stick your head in the sand and think relying on bank interest will be enough to reach your goals because, historically, you will lose to inflation over the long term. Jason and Tyler review market turbulence, past market performance and what those investments would be worth today. Tune into this episode to also learn: How to beat inflation The right way to calculate how much you’re really…

Let’s Talk About Cash

Financial Wellness, Investments, Podcast

With recent banking collapses and interest rates still at recent highs, understanding the right place for your cash is more important than ever. In this episode, we discuss different options for cash while maximizing its value and protection. We’ll explore alternatives to bank accounts like money market funds and treasury bills. By comparing various cash management strategies, you'll gain insights into the most effective ways to safeguard your wealth in uncertain times without sacrificing growth potential. Tune into this episode to also learn: Options for how to store your cash How to maximize your money while maintaining a cash…

How an Advisor’s Pay Can Reflect Their Market Views

Financial Wellness, Investments

We often like to quip that, in life, “you get what you pay for.” Generally, when someone says this, they are referring to some el cheap-o hotel they got because they were looking to save a few bucks on a trip back in college. Sure, the bed was uncomfortable, and the hot water only lasted for a few minutes, but you couldn’t beat the price. The same sentiment is true in many other facets of life, including the input of financial advice. You can get input from your news-obsessed uncle for free, but that is likely about how much his…