Our Blog

The Challenges and Benefits of a Reduced Hour Work Week

May 9, 2016

Written by Brian Carlton   Call it a “phased retirement,” “wind down,” “part-time” or anything you want, but you are probably aware that I am now working reduced hours at HSC Wealth Advisors. To be exact, my schedule is Tuesday through Thursday, 8:30 to 5:00. I requested this adjusted work week and I’m glad I […]

After Tax Contributions

April 19, 2016

Written by Rick Huff   This Is Big – Really Big   Every so often, situations arise that provide tremendous opportunities to both save and reduce our taxes. Far too often we gripe about taxes, the complexity of the tax code, and the fact that we have to pay taxes at all. Instead, we should […]

Lump Sum vs Annuity Pension: Which Is Best?

March 15, 2016

Revised April 18, 2019 Every few weeks someone comes to us with questions about an annuity product or pension elections.  We routinely evaluate the various plans and are often baffled by the amount of complexity embedded in the selection process.  Every individual and family is unique, as are their financial needs and concerns. You may […]

Words of Wisdom

January 25, 2016

To start the New Year, we would like to highlight an article written by one of you! They have weathered several market cycles and their life experiences have resulted in the following financial advice they would like to share with all of us: Financial Words of Wisdom from a 70 year old. (with a scientific […]

Market Correction = Mindset Correction

January 15, 2016

Written by Joel Bengds Stock markets around the globe have experienced a great deal of market volatility over the last quarters of 2015 and now in 2016.  As you know, in 2015 the equity markets experienced a correction (i.e. when an investment declines 10% or more off a recent high) and then spent most of […]

Millennials Helping Others Through Their Investments

December 8, 2015

“Doing well” and “doing good” do not have to be mutually exclusive concepts. With impact investing, it is possible to use your investments as an economic expression of your values and support projects you believe will generate positive outcomes for society as a whole.

How HSC Leverages Alternative Investments in Your Best Interests

Written by Joe Eskridge In our low-growth economic environment, you may be wondering what HSC Wealth Advisors’ position is on alternative investments (i.e., so called, “alts”). Alts, which include real estate and commodities, can have low correlation to stocks and bonds.

Will Recent Changes in Social Security Affect Me?

December 2, 2015

Written by Joel Bengds You may have heard on the news or read recent articles stating that changes to Medicare premiums and Social Security benefits are coming in 2016. 

When China Sneezes

November 5, 2015

Written by Sandy Stuart One of the wonders I have witnessed in my lifetime is the development of China. Whoever would have even dreamed China would have evolved as it did. I can recall when it was

Are You In Good Hands?

July 21, 2015

Written by Tami Tolsma The Securities and Exchange Commission is being lobbied to establish a universal fiduciary standard for the benefit of investors everywhere. Investor advocate groups and industry representatives including AARP, CFP Board of Standards, the Financial Planning Association (FPA), and the National Association of Personal Financial Advisors (NAPFA) have conducted research and written […]