The Clarity Formula® Estate Planning
February has long been a month associated with love. This makes it a great time to show how much you care about the people you love by creating an estate plan. If you already have an estate plan in place, now is an opportune time to check in on your plan to ensure it still […]
What Retirees Might Not Know About Social Security
Social Security is a federal program in the United States that provides benefits in the form of retirement income and disability income to qualified people and their spouses, children, and survivors. Social Security benefits are so valuable because they provide 90% of the income for about 1 in 4 seniors and lifts roughly 4 in […]
Inflation, the Fed, Correction; Oh My!
Market Recap 2022 started with a thud and plenty of market moving headlines. Omicron, inflation and the Federal Reserve, among other topics, weighed on the minds of investors. Most major indexes sold off with some crossing into a technical correction. Additionally, fixed income markets pulled back over the period as investors weighed new information from […]
Will the Fed take away the ‘punch bowl’?
Jan 2022 Last year (2021) was supposed to be the year of recovery, but the emergence of Covid “variants” (delta and omicron) made the recovery lumpy and uneven. Overall, the economy still grew nicely, but the pace of jobs growth varied widely, and the labor force participation rate remained low. Total nonfarm payrolls remain more […]
HCR 2022 Financial Resolutions
2021 was an eventful year in many ways, especially for the financial markets with companies reopening and people heading back to the office. As we continue adjusting to these and other changes and as we come to the end of the year, it is important to take stock of your mental, physical, and financial wellbeing. […]
2021 Year End Planning
2021 was yet again another unprecedented year in many regards. However, that should not serve as an excuse to ignore your personal finances. The end of the year marks a great time to consider the following financial planning moves, if appropriate for your situation. It is always important to do your best to end the […]
What is ‘transitory’ inflation?
Oct 2021 Most folks gauge how things are going in the country by watching the nightly news and reading stories in the general media. Problem is, most of the news tends to skew negative, maybe to attract more readers (positive headlines don’t sell as well as scary ones). As such, there is a tendency to […]
The Clarity Formula – Tax Planning Strategies
The Roth IRA, named after the late Delaware Senator William V. Roth Jr., was established by the Taxpayer Relief Act of 1997. The first accounts were opened in 1998. Over the last 20 years, it has become a household name in the world of financial services and one of the most popular investment vehicles. A […]
The Clarity Formula®
Investment Management
At HCR Wealth Advisors, our investment management philosophy starts with our core-satellite approach. This approach allows us to build customized portfolios, tailored to our clients’ unique lives and specific needs while actively managing risk. Our core-satellite approach is built on five pillars, all working together cohesively to manage risk in our clients’ portfolios. 1) Knowing […]
Has the economic recovery peaked?
July 2021 As the economic reopening gained steam, the second quarter of 2021 was another strong one for equities. Stocks again led most asset classes, with large-cap companies leading the way. U.S. stocks well outperformed international stocks, with markets like China and Japan actually declining in Q2. Fixed income markets were positive, lessening their declines […]