Dear Clients, As many of you are aware, Charles Schwab acquired TD Ameritrade Institutional in November 2019. Over the last 3+years, the two companies have been behind the scenes in preparation for a full client transition scheduled to be completed over the 2023 Labor Day Weekend. Please rest assured that this transition will have no impact on Hillspring Financial, Inc.’s …
Congratulations, Max!
December 2017 Join us extending our heartfelt congratulations to Max Smith on his recent decision to retire! Max has been a part of Hillspring Financial as the original founder in 1993. Those of us here at Hillspring wish to express our sincere appreciation and gratitude for his legacy of integrity and the culture of client service that he helped create right …
More Americans Working Past 70
Although some potential retirees choose to remain in the work force well past the social security designated retirement age, others are finding it a necessity. Workers who were either poor savers or who perhaps experienced a dramatic life crisis are finding themselves short on funds in their retirement years. Some workers who did plan accordingly, didn’t plan to live as …
Economic Update – 2nd Quarter 2017
The past quarter and first half of the year were characterized by historically low stock market volatility, the strong performance of both stocks and bonds, and the reversal of several market trends. In this quarter’s commentary, we attempt to explain these phenomena, some of which may seem contradictory. Investment Environment The S&P 500’s actual realized volatility has fallen to among …
National Parks Contribute Over $34 Billion To Economy – Federal Programs
With the summer months upon us, the National Parks are a destination for tourists all over the United States. National Parks are part of the National Park Service, which was established in 1916 by President Woodrow Wilson. Beginning with Yellowstone National Park in Montana and Wyoming, there are 417 parks today covering 84 million acres. On a recent visit to …
A Brief History of Tax Cuts – Historical Note
With so much effort right now by the current administration to lower taxes, an historical look at previous efforts seems appropriate. For nearly a hundred years, tax cuts have been a centerpiece of political strife among politicians, with both parties at times lobbying for lower tax rates. An accepted belief has been that lower taxes widen the Federal deficit and …
45% of Americans Pay No Federal Income Tax – Fiscal Policy
Disparity of income has been a preponderate subject for politicians and activist groups for some time, yet in the end, it’s those that earn the higher incomes that pay for the majority of taxes. An estimated 77.5 million Americans, identified as households, pay no federal income tax. The non-partisan, non-profit tax group known as The Tax Policy Center released income …
What’s Up With Emerging Markets?
Many of you may agree that any exposure to Emerging Markets has continued to disappoint. However, this is not the time to diversify away from this sector of the market; in fact, quite the opposite is true. We need to keep in mind that ultimate success in long-term investing really boils down to the fundamental factors at work. For instance, …
Spotlight on Sher
Many of you have had the opportunity to speak with our Office Assistant, Sher Burckhalter, over the past two months since she joined Hillspring Financial. We couldn’t be happier to have her as part of our team and are pleased to announce the update to the “Who We Are” section of our website offering a bit of background on our …
Is The Market Growing Too Fast?
Since the last bear market reached bottom in March of 2009, the S&P 500 has roared back 179%. As Dr. David Kelly of J.P. Morgan points out, “with the exception of the bull markets that started in 1982 and 1987, this has been the strongest bull market since the late 1940s.” (J.P. Morgan Market Insights, May 13, 2014) The question …
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