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Author: Michelle Lowrey

The Economy and Markets in 2023: The Consensus is Usually Wrong, Could it Be Right This Year?

Posted on January 17, 2023January 18, 2023 by Michelle Lowrey
The Economy and Markets in 2023: The Consensus is Usually Wrong, Could it Be Right This Year?
Posted in Market CommentaryTagged U.S. Economy, 2023, consensus, Market Commentary, Economy

Interest Rates and Inflation: It’s All About the Fed in 2023

Posted on January 13, 2023January 13, 2023 by Michelle Lowrey
Interest Rates and Inflation: It’s All About the Fed in 2023
Posted in Market CommentaryTagged Inflation, market, interest rates, fed, HBKS, 2023

Investing and Golf: The Two Have Much In Common

Posted on December 28, 2022December 28, 2022 by Michelle Lowrey
Investing and Golf: The Two Have Much In Common
Posted in Financial PlanningTagged Investing, Diversification, golf, game plan

Gen Z’s Experiences Will Shape Their Financial Lives

Posted on December 15, 2022December 15, 2022 by Michelle Lowrey
Gen Z’s Experiences Will Shape Their Financial Lives
Posted in Financial PlanningTagged COVID-19 impact, Financial Planning, Gen Z, Great Recession's long-term effects

Accurate Budgets and Projections Are Key to Successfully Selling Your Business

Posted on December 8, 2022December 8, 2022 by Michelle Lowrey
Accurate Budgets and Projections Are Key to Successfully Selling Your Business
Posted in Business OwnersTagged selling your business, budgets, projections, finance

10 Years and Counting: Points to Consider as You Approach Retirement

Posted on December 1, 2022November 30, 2022 by Michelle Lowrey
10 Years and Counting: Points to Consider as You Approach Retirement
Posted in Retirement PlanningTagged Retirement, savings, living expenses, income sources, pay off debt, manage taxes

CCRCs and Roth Conversions Go Hand-in-Hand

Posted on November 22, 2022November 22, 2022 by Michelle Lowrey
CCRCs and Roth Conversions Go Hand-in-Hand
Posted in Retirement Planning, Financial PlanningTagged CCRC, roth conversions, Retirement

Tax Loss Harvesting: Sell at a Loss to Offset Your Gains

Posted on November 17, 2022November 17, 2022 by Michelle Lowrey
Tax Loss Harvesting: Sell at a Loss to Offset Your Gains
Posted in Financial PlanningTagged tax loss harvesting, sell at a loss, offset your gains

China Is Losing Its Place As World’s Leading Manufacturer

Posted on November 8, 2022November 8, 2022 by Michelle Lowrey
China Is Losing Its Place As World’s Leading Manufacturer
Posted in Investment ManagementTagged China, portfolio, world manufacturer, Xi's slowing economy, "free market" concept

Social Security for 2023: A Real Increase

Posted on November 2, 2022November 2, 2022 by Michelle Lowrey
Social Security for 2023: A Real Increase
Posted in InsuranceTagged social security, Medicare, HBKS, social security increases

Asset Protection in Estate Planning

Posted on November 1, 2022November 1, 2022 by Michelle Lowrey
Asset Protection in Estate Planning
Posted in Estate PlanningTagged Estate Planning, trusts, assets, HBKS, asset protection, liability insurance, declaration of homestead

Data’s Out! Inflation Remains High. What Can You Do?

Posted on October 14, 2022October 14, 2022 by Michelle Lowrey
Data’s Out! Inflation Remains High. What Can You Do?
Posted in Financial PlanningTagged monthly report, inflation readings, Inflation, new data, high inflation

Inflation Is Good for Retirees. Come Again?

Posted on October 14, 2022October 14, 2022 by Michelle Lowrey
Inflation Is Good for Retirees. Come Again?
Posted in Financial PlanningTagged Inflation, wealth managment, HBKS, retirees, spike

Barron’s Annual Survey Ranks HBKS Wealth Advisors Among Elite U.S. RIAs

Posted on October 13, 2022October 13, 2022 by Michelle Lowrey
Barron’s Annual Survey Ranks HBKS Wealth Advisors Among Elite U.S. RIAs
Posted in News & AwardsTagged HBKS, RIAs, Barrons

Understanding Recessions and Regaining Financial Balance

Posted on October 10, 2022October 10, 2022 by Michelle Lowrey
Understanding Recessions and Regaining Financial Balance
Posted in Financial PlanningTagged Recession, balance sheet, financial balance

Inflation, Interest Rate Hikes Creating New Market Considerations

Posted on October 4, 2022October 4, 2022 by Michelle Lowrey
Inflation, Interest Rate Hikes Creating New Market Considerations
Posted in Financial PlanningTagged interest rates hike, new market considerations, market rise, Inflation, financial markets

It’s That Time of the Year Again: RMD Decision Time

Posted on September 30, 2022October 3, 2022 by Michelle Lowrey
It’s That Time of the Year Again: RMD Decision Time
Posted in Financial PlanningTagged RMD, Decisions, calculation, retirement funds

Student Debt Relief: Rhyme and Reason

Posted on September 30, 2022October 6, 2022 by Michelle Lowrey
Student Debt Relief: Rhyme and Reason
Posted in Financial PlanningTagged college, student debt relieft, education, rising debt levels, U.S. Department of Education

The Fed Will Likely Cause a Recession As It Fights Inflation

Posted on September 26, 2022September 26, 2022 by Michelle Lowrey
The Fed Will Likely Cause a Recession As It Fights Inflation
Posted in Market CommentaryTagged Global Economy, Inflation, Market Commentary, Economy

HBKS Wealth Advisors Promotes Four Professionals to Senior Financial Advisor Status

Posted on September 5, 2022October 5, 2022 by Michelle Lowrey
HBKS Wealth Advisors Promotes Four Professionals to Senior Financial Advisor Status
Posted in News & AwardsTagged Promotions, senior financial advisor, HBKS

No-Load, No-Commission Annuities Attract Savers With Flexibility, Low Fees

Posted on August 30, 2022August 30, 2022 by Michelle Lowrey
No-Load, No-Commission Annuities Attract Savers With Flexibility, Low Fees
Posted in Investment ManagementTagged Retirement, annuity, Penison, no-load, no-comission

HBKS Again Among Top Advisory Firms in National Rankings

Posted on August 25, 2022August 25, 2022 by Michelle Lowrey
HBKS Again Among Top Advisory Firms in National Rankings
Posted in News & Awards

Why Haven’t Bonds Lived Up to Their Traditional Role?

Posted on August 23, 2022August 23, 2022 by Michelle Lowrey
Why Haven’t Bonds Lived Up to Their Traditional Role?
Posted in Investment ManagementTagged bonds, investors, FOMC

The Individual 401(k)

Posted on August 18, 2022August 18, 2022 by Michelle Lowrey
The Individual 401(k)
Posted in Retirement PlanningTagged 401k, Retirement, retirement planning

Ladies: Don’t Be Uninsured or Underinsured

Posted on August 8, 2022August 16, 2022 by Michelle Lowrey
Ladies: Don’t Be Uninsured or Underinsured
Posted in InsuranceTagged life insurance, permanent life insurance, term life insurance, women

Does Your Estate Warrant An Alternative to Probate?

Posted on August 4, 2022August 4, 2022 by Michelle Lowrey
Does Your Estate Warrant An Alternative to Probate?

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Posted in Estate PlanningTagged beneficiaries, assets, estate warrant, alternative

Protect Your Business With Keyman Life and Disability Insurance

Posted on July 28, 2022July 28, 2022 by Michelle Lowrey
Protect Your Business With Keyman Life and Disability Insurance
Posted in Financial PlanningTagged disability insurance, business, keyman life, Insurance, finances

Financial Planning Takes the Guesswork Out of Portfolio Performance

Posted on July 21, 2022July 21, 2022 by Michelle Lowrey
Financial Planning Takes the Guesswork Out of Portfolio Performance
Posted in Financial PlanningTagged Financial Planning, investment, investors, financial plan, portfolio performance

Business Owners Looking to Sell Have Options

Posted on June 30, 2022June 30, 2022 by Michelle Lowrey
Business Owners Looking to Sell Have Options
Posted in Business OwnersTagged Business Owners, financial advisor, sell, minority interest

Pre-Retirement Perspectives on Social Security: What You Need to Know and Do Before You Apply

Posted on June 27, 2022June 30, 2022 by Michelle Lowrey
Pre-Retirement Perspectives on Social Security: What You Need to Know and Do Before You Apply
Posted in Financial Planning

The Shape of Economic Recovery

Posted on June 23, 2022June 24, 2022 by Michelle Lowrey
The Shape of Economic Recovery
Posted in Investment ManagementTagged economic recovery, letter, economist, recessions, swoosh

Key Considerations For Taking Withdrawals From Your Investments

Posted on June 21, 2022June 21, 2022 by Michelle Lowrey
Key Considerations For Taking Withdrawals From Your Investments
Posted in Financial PlanningTagged investments, withdrawals, individual stocks, joint taxable accounts, Roth IRA, Roth 401k, financial advisor

Is Your Tax Bill Larger Than You Expected?

Posted on June 16, 2022June 16, 2022 by Michelle Lowrey
Is Your Tax Bill Larger Than You Expected?
Posted in Financial PlanningTagged IRS, financial advising, tax bill, taxable capital gains, tax deduction

Sell or Stay? That Is One of the Questions.

Posted on June 14, 2022June 14, 2022 by Michelle Lowrey
Sell or Stay? That Is One of the Questions.
Posted in Investment ManagementTagged inflated prices, rising interest rates, real estate, real estate market, property, selling, buying

Financial Planning at Divorce: Finding the Way to Sustained, Equitable Lifestyles

Posted on June 9, 2022June 9, 2022 by Michelle Lowrey
Financial Planning at Divorce: Finding the Way to Sustained, Equitable Lifestyles
Posted in Financial PlanningTagged assets, dividing stock shares, divorce laws, properties, Financial Planning, divorce

The Lasting Impact of Investing Principles from the 1940s

Posted on June 7, 2022June 28, 2022 by Michelle Lowrey
The Lasting Impact of Investing Principles from the 1940s
Posted in Investment ManagementTagged investment, timeless investment principles, Benjamin graham

Develop Healthy Financial Habits: Here’s How.

Posted on June 2, 2022June 2, 2022 by Michelle Lowrey
Develop Healthy Financial Habits: Here’s How.
Posted in Financial PlanningTagged CD, eliminate debt, build credit, IRA, healthy financial habits, prioritize saving, long term plan, Save for the unexpected

Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.

Posted on May 31, 2022May 31, 2022 by Michelle Lowrey
Working For Yourself? Take Advantage of a Retirement Savings Plan for the Self-Employed.
Posted in Retirement PlanningTagged Solo 401k, SEP, simplified employee pension

Buy Bonds? I Bonds, That Is

Posted on May 26, 2022May 26, 2022 by Michelle Lowrey
Buy Bonds? I Bonds, That Is
Posted in Financial PlanningTagged iShares, bonds, I Bonds, US Government-backed bonds, TIPS, Treasury Inflation Protected Securities

Bond Yields Are Up. Should You Buy Bonds Now?

Posted on May 24, 2022May 24, 2022 by Michelle Lowrey
Bond Yields Are Up. Should You Buy Bonds Now?
Posted in Estate Planning, Financial PlanningTagged Diversification, Inflation, portfolio, bond yields, bons, Federal Reservce, Inflation fighting equities

Four Estate Planning Documents Everyone Should Have

Posted on May 19, 2022May 19, 2022 by Michelle Lowrey
Four Estate Planning Documents Everyone Should Have
Posted in Financial PlanningTagged dnr, Power of Attorney, estate planning documents, advance medical directive, letter of instruction, Estate Planning, Healthcare Proxy, Living will

“This Time Is Different”: Strategies for Dealing with Market Volatility

Posted on May 17, 2022May 17, 2022 by Michelle Lowrey
“This Time Is Different”: Strategies for Dealing with Market Volatility
Posted in Financial PlanningTagged Financial Planning, market volatility, financial advisor, tax-saving strategies, diversified portfolio

Finding Balance: Planning Retirement Spending

Posted on May 10, 2022May 10, 2022 by Michelle Lowrey
Finding Balance: Planning Retirement Spending
Posted in Financial PlanningTagged proper life plan, life insurance analysis, Financial Planning, retirement planning, budget, retirment, retirement spending

Give Smart by Employing Available Tax-Saving Strategies

Posted on May 5, 2022May 5, 2022 by Michelle Lowrey
Give Smart by Employing Available Tax-Saving Strategies
Posted in Financial Planning, Investment ManagementTagged tax-saving strategies, give smart, charitable gifts, gifting RMDs, donor advised funds

Income-Based Student Loan Repayment: What Are Your Options?

Posted on May 3, 2022May 3, 2022 by Michelle Lowrey
Income-Based Student Loan Repayment: What Are Your Options?
Posted in Investment ManagementTagged PAYE, REPAYE, PSLF, student loans, income based, repayment, options, IBR

The Federal Reserve May Not Need to Raise Rates as Aggressively as Feared to Bring Down Inflation

Posted on April 19, 2022April 20, 2022 by Michelle Lowrey
The Federal Reserve May Not Need to Raise Rates as Aggressively as Feared to Bring Down Inflation
Posted in Market CommentaryTagged Market Commentary, Economy, Global Economy

Rising Rates! Sell Everything! … Or Take a Deep Breath

Posted on April 7, 2022April 11, 2022 by Michelle Lowrey
Rising Rates! Sell Everything! … Or Take a Deep Breath
Posted in Financial PlanningTagged portfolio, bonds, risk, interest rates, rising rates, manage duration, GICS, stable value funds, annuities, Inflation

Employee Stock Awards, Restricted Shares, and Divorce

Posted on April 5, 2022April 5, 2022 by Michelle Lowrey
Employee Stock Awards, Restricted Shares, and Divorce
Posted in Financial PlanningTagged divorce, hbks wealth advisors, employee stock award, restriced shared, allotting shares, dividing stock shares, divorce laws

Oil Production, Consumption, and Reserves: A March 31, 2022 Perspective

Posted on April 1, 2022April 1, 2022 by Michelle Lowrey
Oil Production, Consumption, and Reserves: A March 31, 2022 Perspective
Posted in PerspectivesTagged oil production, consumption, reserves, russia invasion, Ukraine

Invest or Pay Down Debt? What’s Right for You?

Posted on March 29, 2022April 20, 2022 by Michelle Lowrey
Invest or Pay Down Debt? What’s Right for You?
Posted in Financial PlanningTagged Financial Planning, debit, reduce debt, debt free, unnecessary debt

Buy-Sell Agreements to Protect Businesses with Multiple Owners

Posted on March 24, 2022April 20, 2022 by Michelle Lowrey
Buy-Sell Agreements to Protect Businesses with Multiple Owners
Posted in Financial PlanningTagged protect businesses, owners, entity purchase plan, cross-purchase plan, stock redemption, buy-sell agreements

Credit Card Interest: Know How It Works

Posted on March 15, 2022April 20, 2022 by Michelle Lowrey
Credit Card Interest: Know How It Works
Posted in Financial PlanningTagged credit card, financial advising, interest, APR, payment, minimum payment, cash advances, balance transfer

Intra-family Loans: Gift Money Now, Save on Estate Taxes Later

Posted on March 3, 2022March 3, 2022 by Michelle Lowrey
Intra-family Loans: Gift Money Now, Save on Estate Taxes Later
Posted in Estate PlanningTagged Loans, estate tax, wealth managment, intra-family loans, gift money, home buying

Considering a New Employment Opportunity

Posted on February 28, 2022April 20, 2022 by Michelle Lowrey
Considering a New Employment Opportunity
Posted in PerspectivesTagged employment, new employment, bonus, research, offer

Investing for a Minor: Consider Your Options

Posted on February 17, 2022February 24, 2022 by Michelle Lowrey
Investing for a Minor: Consider Your Options

{“llinks”:[“Brittany Taylor”]}

Posted in Investment ManagementTagged hbks wealth advisors, investing for a minor, custodial roth ira, UTMA, UGMA, Financial Planning, 529 plan, financial services, wealth managment

A Look at How Markets Move During Midterm Election Years

Posted on February 15, 2022February 15, 2022 by Michelle Lowrey
A Look at How Markets Move During Midterm Election Years
Posted in Investment ManagementTagged markets move, election years, analyst, gains, losses, midterm, politics

Why Markets Move: The Impact of Emotion on your Investment Decisions

Posted on February 10, 2022February 10, 2022 by Michelle Lowrey
Why Markets Move: The Impact of Emotion on your Investment Decisions
Posted in Investment ManagementTagged Markets, investment decisions, psychology, investor shortfalls

Child Tax Credit: Know the Current Rules and What You Qualify For

Posted on February 1, 2022February 22, 2022 by Michelle Lowrey
Child Tax Credit: Know the Current Rules and What You Qualify For
Posted in Financial PlanningTagged social programs, qualification, IRS, Child tax credit

Discussing End-of-Life Issues: A Family Imperative

Posted on January 27, 2022February 16, 2022 by Michelle Lowrey
Discussing End-of-Life Issues: A Family Imperative
Posted in Retirement PlanningTagged Financial Planning, advisor, family, planning process, end of life issues, facilitator

A Few Tips for Women Returning to the Workforce After a Divorce

Posted on January 25, 2022January 27, 2022 by Michelle Lowrey
A Few Tips for Women Returning to the Workforce After a Divorce
Posted in Financial PlanningTagged women, returning to workforce, challenges, Financial Planning, divorce

Economic Growth Expected to Moderate This Year

Posted on January 11, 2022January 14, 2022 by Michelle Lowrey
Economic Growth Expected to Moderate This Year
Posted in Market CommentaryTagged Economy, Global Economy, economic growth slower, low stock market returns, Market Commentary

The Fed Pivots to Fight Inflation

Posted on January 11, 2022March 7, 2022 by Michelle Lowrey
The Fed Pivots to Fight Inflation
Posted in Investment ManagementTagged Inflation, interest rate, fed, pivots, fight inflation, US Treasury, jobs, prices

529 Plans vs. Other College Savings Options

Posted on January 6, 2022January 19, 2022 by Michelle Lowrey
529 Plans vs. Other College Savings Options
Posted in Financial PlanningTagged mutual funds, Financial Planning, Roth IRA, trusts, 529 plans, traditional ira, college savings, us savings bond, custodial accounts, coverdell accounts

Robo or Financial Advisor: Where Will You Get Your Advice?

Posted on January 4, 2022January 6, 2022 by Michelle Lowrey
Robo or Financial Advisor: Where Will You Get Your Advice?
Posted in Financial PlanningTagged financial advisor, robo advisor, technology, sec warning

Using Life Insurance for Charitable Giving

Posted on December 28, 2021December 28, 2021 by Michelle Lowrey
Using Life Insurance for Charitable Giving
Posted in Financial PlanningTagged life insurance, charitable giving, premiums

Exchange an Idle Non-Qualified Annuity for Tax-Free Long Term Care Coverage

Posted on December 23, 2021December 23, 2021 by Michelle Lowrey
Exchange an Idle Non-Qualified Annuity for Tax-Free Long Term Care Coverage
Posted in Investment ManagementTagged LTC, exchange, idle, non-qualified annuity, tax-free long term care coverage, 1035 exchange

Investing in 2022: Inflationary Pressures and a Mix of Headwinds and Tailwinds

Posted on December 21, 2021December 21, 2021 by Michelle Lowrey
Investing in 2022: Inflationary Pressures and a Mix of Headwinds and Tailwinds
Posted in Investment ManagementTagged 2022, inflationary pressures, asset prices, unwinding inflation

Increases to Medicare Premiums, Deductibles and Monthly Adjustment Amounts

Posted on December 8, 2021December 8, 2021 by Michelle Lowrey
Increases to Medicare Premiums, Deductibles and Monthly Adjustment Amounts
Posted in InsuranceTagged part b, Medicare, Medicaid, monthly adjustments, part a

Looking to Sell Your Business? Start with the Fundamentals

Posted on December 7, 2021December 7, 2021 by Michelle Lowrey
Looking to Sell Your Business? Start with the Fundamentals
Posted in Business OwnersTagged business succession planning, business, selling your business, fundamentals

Tax Havens & Trust Laws: The Times May Be A-Changin’

Posted on December 2, 2021December 2, 2021 by Michelle Lowrey
Tax Havens & Trust Laws: The Times May Be A-Changin’
Posted in Investment ManagementTagged tax haven, trust laws, delaware, the new Delaware, tx

End-of-Year Tax Planning? Involve Your Advisors

Posted on November 30, 2021November 30, 2021 by Michelle Lowrey
End-of-Year Tax Planning? Involve Your Advisors
Posted in Financial PlanningTagged Tax Planning, financial advisor, end of year, advisors

“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes

Posted on November 24, 2021January 19, 2022 by Michelle Lowrey
“After-Tax Fund” Conversions: Act Fast Before the Opportunity Vanishes
Posted in Retirement PlanningTagged Retirement, IRA, Roth IRA, after-tax fund, converisons

IRS Announces Increased 401(k) Contribution Limits for 2022

Posted on November 16, 2021November 16, 2021 by Michelle Lowrey
IRS Announces Increased 401(k) Contribution Limits for 2022
Posted in Retirement PlanningTagged 401k, IRS, contribution limit, 2022

Look to Dividend-Paying Stocks for Income in Retirement

Posted on November 10, 2021November 10, 2021 by Michelle Lowrey
Look to Dividend-Paying Stocks for Income in Retirement
Posted in Retirement PlanningTagged Retirement, Stocks, Income, dividend-paying

Retiring Student Debt: Employers Helping Employees

Posted on November 9, 2021November 9, 2021 by Michelle Lowrey
Retiring Student Debt: Employers Helping Employees
Posted in Financial PlanningTagged student debt, Financial Planning, College Education

The Child Tax Credit: Be Aware of How Program Changes Will Affect You

Posted on November 3, 2021November 3, 2021 by Michelle Lowrey
The Child Tax Credit: Be Aware of How Program Changes Will Affect You
Posted in Financial PlanningTagged Child tax credit, program changes, american rescue plan, funds, tax credit, deduction

Using Life Insurance Riders to Pay for Long-Term Care

Posted on October 25, 2021October 25, 2021 by Michelle Lowrey
Using Life Insurance Riders to Pay for Long-Term Care
Posted in Financial PlanningTagged Long-term care, life insurance, LTCI

Options, Short Selling, GameStop, and the Squeeze

Posted on October 20, 2021October 18, 2021 by Michelle Lowrey
Options, Short Selling, GameStop, and the Squeeze
Posted in Investment ManagementTagged gamestop, short selling, lockdown, trading

It Remains Unclear if Economic Growth Will Remain Above Trend or Trail Off

Posted on October 18, 2021October 19, 2021 by Michelle Lowrey
It Remains Unclear if Economic Growth Will Remain Above Trend or Trail Off
Posted in Market CommentaryTagged Market Commentary, Global Stocks, Economy, Global Economy, 4th quarter commentary

HBKS Named to CNBC FA 100 List

Posted on October 12, 2021October 12, 2021 by Michelle Lowrey
HBKS Named to CNBC FA 100 List
Posted in News & AwardsTagged Award, 2021, ranking, CNBC, top firm

Brittany Taylor Reflects on 20 Years in Financial Services

Posted on October 7, 2021October 7, 2021 by Michelle Lowrey
Brittany Taylor Reflects on 20 Years in Financial Services

{“llinks”:[“Brittany Taylor”]}

Posted in PerspectivesTagged hbks wealth advisors, Financial Planning, financial services, wealth managment

Inherit an IRA? Beware of New IRS Rules

Posted on September 30, 2021September 30, 2021 by Michelle Lowrey
Inherit an IRA? Beware of New IRS Rules
Posted in Investment Management, Retirement PlanningTagged retirement plan, traditional ira, tax, inherit, rules, regulation, IRA

Empower Your Company Through Employee Financial Wellness

Posted on September 2, 2021September 19, 2021 by Michelle Lowrey
Empower Your Company Through Employee Financial Wellness
Posted in Financial PlanningTagged Financial Planning, financial wellness, company

Your Financial Plan: Getting Started

Posted on August 30, 2021September 19, 2021 by Michelle Lowrey
Your Financial Plan: Getting Started
Posted in Financial PlanningTagged investments, objectives, holistic approach, financial plan

Traders Beware

Posted on August 26, 2021September 19, 2021 by Michelle Lowrey
Traders Beware
Posted in Financial PlanningTagged Stocks, market, implications

Rising Interest Rates and the Bond Markets

Posted on August 23, 2021September 19, 2021 by Michelle Lowrey
Rising Interest Rates and the Bond Markets
Posted in Investment ManagementTagged bond market, rising interest rates

Washington State Long-Term Care Payroll Tax Debuts January 2022

Posted on August 19, 2021September 3, 2021 by Michelle Lowrey
Washington State Long-Term Care Payroll Tax Debuts January 2022
Posted in Financial PlanningTagged Washington state, payroll tax, Long-term care

Get the House You Want: Putting Together a Strong Offer

Posted on August 17, 2021August 30, 2021 by Michelle Lowrey
Get the House You Want: Putting Together a Strong Offer
Posted in Financial PlanningTagged homeowners insurance, budget, house buying, appraisal, lender, closing cost, inspection, homeowners, offer

Going Solo: A Non-Traditional Retirement Savings Plan

Posted on August 9, 2021August 9, 2021 by Michelle Lowrey
Going Solo: A Non-Traditional Retirement Savings Plan
Posted in Investment ManagementTagged retirement savings plan, non-traditional retirement

The SLAT: Protect Your Assets Against Estate Tax Law Changes

Posted on August 4, 2021September 7, 2021 by Michelle Lowrey
The SLAT: Protect Your Assets Against Estate Tax Law Changes
Posted in Financial PlanningTagged SLAT, estate tax, Spousal Lifetime Access Trusts

A Will: Everyone Should Have One

Posted on August 3, 2021August 3, 2021 by Michelle Lowrey
A Will: Everyone Should Have One
Posted in Financial Planning, Estate PlanningTagged financial plan, will

Disability Income Insurance for Business Owners

Posted on July 28, 2021July 28, 2021 by Michelle Lowrey
Disability Income Insurance for Business Owners
Posted in InsuranceTagged Financial Planning, disability insurance, Tax-free income, benefit period, waiting period, personal finances

Women, Philanthropy, and ROR

Posted on July 26, 2021July 26, 2021 by Michelle Lowrey
Women, Philanthropy, and ROR
Posted in Investment Management, Financial PlanningTagged Rate of Return, impact, impact model, ROR

Financial Planning: Helping You See the Big Picture

Posted on July 21, 2021January 19, 2022 by Michelle Lowrey
Financial Planning: Helping You See the Big Picture
Posted in Financial PlanningTagged Financial Planning, big picture, balance priorities, planning process

Commentary on the U.S. Economy, Q3: The Global Economy Has Already Made Enormous Progress as More Countries Reopen

Posted on July 16, 2021July 19, 2021 by Michelle Lowrey
Commentary on the U.S. Economy, Q3: The Global Economy Has Already Made Enormous Progress as More Countries Reopen
Posted in Market CommentaryTagged Market Commentary, Global Stocks, Economy, Global Economy, 3rd quarter 2021 commentary

Leasing a Car? Know What You Can and Can’t Negotiate.

Posted on July 14, 2021July 12, 2021 by Michelle Lowrey
Leasing a Car? Know What You Can and Can’t Negotiate.
Posted in Financial PlanningTagged leasing a car, negotiate, interest rates, buyout price, cap insurance, mileage cap, leasing, vehicle

The VIX: Wall Street’s Fear Index and Valuable Investment Tool

Posted on July 12, 2021July 12, 2021 by Michelle Lowrey
The VIX: Wall Street’s Fear Index and Valuable Investment Tool
Posted in Investment ManagementTagged index and valuable investment tool, VIX, S&P 500 index, market investments, financial markets, fear index

Note to Parents: Advance Child Tax Credit Payments Begin July 15

Posted on June 28, 2021June 28, 2021 by Michelle Lowrey
Note to Parents: Advance Child Tax Credit Payments Begin July 15
Posted in Financial PlanningTagged IRS, Child tax credit, tax breaks, american rescue plan act of, law

Managing Your Real Estate Portfolio with Tax Efficiency

Posted on June 28, 2021June 28, 2021 by Michelle Lowrey
Managing Your Real Estate Portfolio with Tax Efficiency
Posted in Estate PlanningTagged IRS, taxes, Real Estate Portfolio, Tax Efficiency, Estate Planning

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Insurance products offered through HBK Sorce Insurance LLC. Investment Advisory Services offered through HBK Sorce Advisory LLC, d.b.a. HBKS Wealth Advisors. Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC, headquartered at 80 State Street, Albany, NY 12207.  Purshe Kaplan Sterling Investments and HBKS® Wealth Advisors are not affiliated companies. Not FDIC Insured – Not Bank Guaranteed – May Lose Value, Including Loss of Principal – Not Insured By Any State or Federal Agency.

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