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What we've been thinking about
The Duality of the Markets
Have you ever noticed how so many idioms refer to the duality of life? Consider: There are two sides to every coin. Life is a double-edged sword. You can see the glass as half-full or as half-empty.
Read itReturn of the Debt Ceiling
“Here we go again.” That’s a line from Return of the Jedi , delivered by C-3PO just before he and his friends prepare to go out on another harrowing adventure.
ReadIs a Vacation Home Really an Investment?
Owning a home is a big part of the American dream. But owning a vacation home? That’s next level!
ReadIf We Could Only Teach Two Financial Lessons
If you have started planning for retirement, you know how confusing it can be. With hundreds of different financial instruments and securities to choose...
ReadTop 6 Habits of Financially Successful People
Ask 10 people their definition of success and you will get 10 different answers. Even among the world’s most successful entrepreneurs and businesspeople...
ReadUniversity Employees: How to Make the Most of Your 403(b) Plan
The unprecedented uncertainty over the last couple of years (in just about every regard) has undoubtedly led you to assess your future.
ReadPlaying Defense in Turbulent Times
Recently, we overheard two people talking about the NBA playoffs, which are currently underway. While praising their favorite team’s defensive performance...
ReadHow Does Your Retirement Savings Compare to Your Neighbors’?
From a young age we compare ourselves to our peers, constantly. As children, we fought about who had the better toys.
ReadDon’t Leave the IRS a Tip: The Importance of Tax Planning and Reviewing Your Return
Taxes are often seen as a necessary evil. You likely deal with them when you have to during tax season but try to ignore them the rest of the year.
ReadHow We Deal With Market Corrections
If you’ve been paying attention to the news, you know the markets have endured a topsy-turvy month of January.
Read2021: The Year in Review
Every January, it’s customary to look back at the year that was. What were the highlights? What were the “lowlights”? What events will we always remember?
ReadWhat’s Going on With Inflation? 3 Reasons Why It’s Here to Stay
It’s official. After months of being told the current inflation crisis is transitory, Federal Reserve Chair Jerome Powell announced that we can expect high...
ReadThe Top 5 Financial Planning Challenges in the First 10 Years of Retirement
After decades of diligent working and saving, retirement is finally just around the corner. Now that you’re about to reach this milestone, you’re probably...
ReadTurning 70? Here’s How it Will Impact Your Financial Plan
Turning 70? Happy birthday and congrats on becoming a septuagenarian (i.e., someone in their 70s)!
ReadWhat Women Really Want in Retirement
Although we’ve made great strides toward gender equality in recent years, women continue to face unique challenges that men (on average) simply don’t have...
ReadDoes it Make Sense to Pay Off Your Mortgage Early?
Owning a home is part of the proverbial “American dream” for a reason. (And with record-low inventory, low interest rates, and high demand, (1) the housing...
ReadClient Profile: How We Helped a Couple Transition to Retirement
At Wallace Hart, we have more than 30 years of experience helping individuals and couples transition to retirement.
ReadJeremy Wallace Makes The Forbes Best-In-State Wealth Advisor List Three Years In A Row!
After a year of more downs than ups, we are happy to share some good news! Our very own Jeremy Wallace has been named to the Forbes 2021 Best-in-State...
ReadThe Business Owner Exit–Succession Process
The road from that first spark of a creative idea to the managing of a full-fledged business is not for the faint of heart.
ReadWhat I Wish I Had Known About Money When I Was Younger
The educational system does not teach financial literacy in school, but it definitely should. Young adults who make sound financial decisions and implement...
ReadWhy I Became A Financial Advisor
Here’s the tricky thing about money: you can work hard to earn it, but it’s how you handle it that makes all the difference.
ReadDo You Have Questions About Your Social Security Benefits?
Many Americans heavily rely on Social Security for retirement income. Born out of the Great Depression as a retirement safety net, these days a record high...
ReadCould A Retirement Tax Advisor Help You Unlock The Retirement Of Your Dreams?
We all know the importance of tax planning to minimize taxes and keep more of our hard-earned money in our pockets.
ReadReflecting on 2020
Every January, it’s customary to look back at the year that was. What were the highlights? What were the lowlights? What events will we always remember?
ReadFive Financial Actions To Take Before The Ball Drops In 2020
If you just want to get through the rest of December so 2020 can be over, we understand. In the midst of canceled plans, work stoppages or adjustments...
ReadLong-Term Care Month: What’s Your LTC Plan?
If 2020 taught us anything, it’s that life is unpredictable. Most of us (if not all) were hit with the hard reality that an emergency can strike at any...
ReadHow Will An Election Affect The Markets? [eBook]
With a presidential election around the corner in the middle of an already uncertain time, voting for our country’s leadership for the next 4 years feels...
ReadCommon Mistakes Pre-Retirees Make
In the midst of day-to-day busyness, retirement often feels like a distant dream. But don’t keep pushing off thinking about your retirement.
ReadEnd of Summer 2020 Market Update
Let’s take a closer look. After cruising for the past five months, the markets screeched to a halt on September 3.
ReadSummer Market Update: Thoughts On Investing Amid The Current Market Situation
Every year around this time, parents, grandparents, and guardians prepare for back-to-school season. This year is no different.
ReadWorried About Your Financial Plan? Schedule A Q&A Call Today
The coronavirus pandemic and its far-reaching implications has wreaked havoc across the globe. Calling these uncertain times sounds like a gross...
ReadWhat Business Owners Need To Know About The Paycheck Protection Program Loan Forgiveness
The Paycheck Protection Program (PPP) was designed to assist employers in maintaining payroll even when they were shut down or limited by the COVID-19...
ReadStrategies To Grow Your Wealth During The 2020 Financial Crisis
COVID-19 has been wreaking havoc across the globe for several months, and based on current surges, there’s no end in sight.
Read[New eBook] A Guide to Understanding The Covid Economy
What will the recovery look like? That's the question every economist is asking. As we continue battling the coronavirus pandemic, the answer will dictate...
ReadCoronavirus Market Update
Imagine this: You’re on the highway, drumming your fingers on the steering wheel, and humming to the music on your radio when suddenly you look at the...
ReadWallace Hart Gives Back: Our 1% Pledge
At Wallace Hart Capital Management, one of our biggest passions is giving back to the organizations that make a difference in our world.
ReadHow To Manage Your Finances In A Crisis
When life is going smoothly, it’s easy to stick to your strategies and decisions. But throw in a global pandemic, economic worries, and social distancing...
ReadThe Stock Market Lost 35% in a Month, Here's How We Protected Client Accounts
Do you remember participating in school fire drills when you were a kid? Lining up and leaving the school in an orderly way and reassembling in a safe place?
ReadJeremy Wallace Is A Forbes Best-In-State Wealth Advisor!
We are proud to announce that our very own Jeremy Wallace has made the Forbes Best-In-State Wealth Advisor list…again!
ReadCoronavirus Market Drop
It started in China, then spread to South Korea and Japan. Cruise ships have carried it; tourists have transported it.
ReadThe Coronavirus And Your Money: What Might We Expect?
Unless you’ve been living under a rock, you’ve probably heard or read at least one news story on the coronavirus outbreak that is quickly spreading worldwide.
ReadWhat We Do And How We Can Help
Some days, it probably feels like a lot is working against you as you strive to grow your wealth and set it up to endure.
ReadWhy I Became A Financial Advisor
For as long as I can remember, finance has always intrigued me. The market is the greatest puzzle out there, and I’ve always loved the challenge of finding...
Read2010-2019: The Decade in Review
Every January, we send clients a letter titled The Year in Review , where together we look back at the year that was. What were the highlights?
ReadWhat You Need To Know About The SECURE Act
In December, Congress passed a new bill called the S etting E very C ommunity U p for R etirement E nhancement Act, aka the SECURE Act .
ReadRecession 101
“Markets are flashing deep red as investors worry about the health of the economy” - CNN Business
ReadWhy Small And Nimble May Be Right For You
As financial advisors, one of the most common questions we get asked is, “Should I have my money invested with a small firm or a large firm?” The firm...
ReadThe Inverted Yield Curve
If you ask an economist what makes them toss and turn at night, chances are they’ll tell you, “Fear of missing the warning signs of a recession.” After all...
ReadTariffs and Tweets
When Twitter first launched back in 2006, its creators probably never imagined that a single “tweet” could make the stock market plunge.
ReadJeremy Wallace Makes The Forbes Best-In-State Wealth Advisor List!
Every year, Forbes scours the nation for wealth advisors that are a cut above the rest for their best-in-state rankings.
ReadThe Cause and Effect of the New Tariffs Between U.S. and China
After months of relative quiet, the trade war between the U.S. and China has erupted again in a big way.
ReadGrowth vs Value Stocks
Of the many investment terms that are thrown around with little explanation for the typical investor, growth and value stocks tend to be the most...
ReadHow Should I Budget for Retirement?
Everyone pictures retirement differently. For some, it's the opportunity to travel the world and experience new things.
ReadFinancial Planning for New Families
Starting a family is equal parts thrills and fright, hope and worry. In a perfect world, money would never be one of those concerns.
ReadETFs 101
Every once in a while, a new form of investing will hit the marketplace and prove to be so transformative that investors are left wondering how they were...
ReadEstate Planning Is for Everyone
There is a common misconception that estate planning is only useful for those with extraordinary wealth or extremely complicated financial situations.
ReadIs My 401(k) a Good One? 5 Things to Look For
Employer-sponsored plans like 401(k)s play a critical role in the retirement goals of most working Americans.
ReadHidden Features of Your 401(k)
Whether it's called a 401(k), 403(b), 457(d), or any other variety of employer-sponsored retirement plan, most people are aware of the basics involved in...
ReadGrandparents Beware: The Generation-Skipping Transfer Tax
Being a grandparent isn't just about excessive Christmas presents, family photos, and paying a grandchild $20 to mow a 10 square-foot lawn.
ReadHow to Save for Kids College and Retirement
Should you save for your child's college education or your retirement? It can seem like an impossible task to save for both, and with both being incredibly...
ReadInvesting in Turbulent Times
There's an old saying that says what goes up must come down. While that saying might have originally been applied to the laws of gravity, it's applicable to...
ReadInvestment Bubbles and You: A Cautionary Tale
Believe it or not, the various investment bubbles we've seen form and burst in the last few decades – real estate and dot-coms in particular – have a lot to...
ReadHow to Downsize for Retirement
With retirement looming, kids off to college, and friends making plans for their later life it may be time to start thinking seriously about the years ahead.
Read6 Retirement Savings Strategies You Should Try
Worrying about taxes doesn't end once you're in retirement. Navigating tax time can be just as difficult in your retirement years as it was when you were...
ReadBesides My 401(k), How Else Can I Save for Retirement?
While employer-sponsored plans like 401(k)s will continue to be the primary means of saving for retirement for most Americans, they are by no means the only...
ReadDemystifying the Investment Vocabulary
With obvious exceptions like brain surgery and rocket science, concepts we might think are extremely complicated from a distance are actually quite...
ReadWhat Is My Retirement Magic Number, and Why Is It Important?
While a crystal ball would certainly make planning for the future much easier, the real world requires a more practical approach.
Read4 Ways to Maximize Your 401(k)
Chances are your retirement will be much different than your parents' retirement. As pension plans quickly go extinct, most Americans must rely on a more...
ReadFear and Investing
Among the many different emotions human beings experience throughout our lives, fear just might be the most unique and intriguing.
ReadDIY Investing
Technology has changed nearly every facet of our lives. Paper maps for road trips are as antiquated as an outhouse, our phones can route us around morning...
ReadDon’t Outlive Your Money: 3 Retirement Budget Tips
You've worked hard your entire adult life to try to provide yourself a retirement that concentrates on enjoying your life rather than the daily grind.
ReadFactors in Choosing a 529 Plan for College Savings
While there might not be endless ways to save for college, there are certainly more than enough to warrant some hesitation before choosing which account...
ReadLittle Known Facts About Social Security You Need to Know
To many Americans, the Social Security Administration is shrouded within a cloak of secrecy. While much of that is warranted, given the ever-changing...
ReadLittle Known IRA Tips
In 1974, a remarkable set of legislation called ERISA was passed that completely overhauled America's pension and retirement framework.
ReadModern Portfolio Theory 101
At first glance, your account statement might look like it's written in a foreign language. With terminology like large-cap, small-cap, emerging markets and...
Read7 Rules Of Investing
Is investing an art or a science? If you want to succeed in investing, does it take a set formula or skill and talent?
ReadSaving For Retirement at a Late Date
Do you find yourself behind the eight ball when reviewing your retirement plan? Have you been living paycheck to paycheck, raising a family, paying off...
ReadSecret Tips From the Pros To Saving the Most Retirement Money
Think you know the secrets to getting rich? Everyone knows to save more you spend less, but tips from the pros can maximize your savings for a bigger...
ReadThe Tax Law - One Year Later
Tax season – the period between January and April 15, when most people file their taxes – is often a hectic time. But this year’s tax season is special.
ReadThe Four Horsemen of the Economy: Key Indicators
While we can never be absolutely certain what lies right around the economic corner, that isn't to say that investors are perpetually blind to the road that...
ReadTeaching Kids About Investing
These days, kids are forced to grow up pretty fast. Between increasing academic standards, social media, and a digitally-driven world filled with amusing...
ReadThe Future of Investing
The road leading towards investing's future is paved in binary code, algorithms, and processing chips.
ReadThe Importance of Diversifying a Portfolio
If keeping track of the stock market makes you feel like you're seasick from being stuck on a boat in choppy waters, you're certainly not alone.
ReadThe Pros and Cons of Robo-Advising
Whether you view technology as a great salve to ease society's woes or as a foreboding harbinger of digital destruction, there's no getting around the fact...
ReadThe Truth About IPOs
Certain terms just have the natural ability to capture the attention and imaginations of the investing world.
ReadWhat to Look for In a Financial Advisor
Between independent financial advisors, those working within banks and credit unions, and advisors in the many different investment firms in the financial...
Read7 Ways to Manage Risk in Retirement
News reports notwithstanding, people are living longer than ever before. That means many more years of enjoying a well-earned retirement.
Read2018: The Year in Review
Every January, it’s customary to look back at the year that was. What were the highlights? What were the “lowlights”?
ReadTrade War Update
For about a week after Thanksgiving, market volatility was like the rest of us – sleepy and stuffed with turkey.
ReadHow To Prepare For A Volatile Market
When it comes to investing and the markets, we often use terms such as strategy, tactics, and game plan. Why is that?
ReadFour Things to Know About Midterms & Markets
Whichever quote best describes your attitude about the upcoming election, the fact remains that on November 6, we have an opportunity to perform our civic...
ReadImagine the Possibilities
What could your wealth make possible?
A first conversation costs nothing and commits you to nothing. We will talk about where you are, what you want, and whether we are the right fit. If we are not, we will tell you.