Information and Tools to Help You Build Your Financial Future

In the Know  

Many retirees are embracing the freedom and adventure of recreational vehicle (RV) living, turning their next life stage into a journey across the country. Full-time RV retirement offers a flexible lifestyle, lower living costs and the opportunity to explore new places and visit family ― all while maintaining the comforts of home. For more information, check out websites like Escapees RV Club (escapees.com), which offers support and community; RV Life (rvlife.com), for trip planning and tips; and Go RVing (gorving.com), which features guides on choosing the right RV and budgeting.   

Inquiring Minds  

Q: What is vesting and why does it matter? 

A: Vesting determines how much of your employer’s contributions you own if you leave your job (your own contributions are always 100% vested). Employer matching contributions may vest immediately in some plans, whereas other plans may follow a vesting schedule. Companies use vesting schedules to encourage employees to remain with the company for a longer period, reducing turnover and associated costs. The two most common types of vesting schedules are cliff and graded. Cliff vesting is where all employer contributions vest at once after a specific period (e.g., one year or three years). Graded vesting is where employer contributions vest gradually over time, often in equal increments each year. 

To Do List   

It’s time for a gut check on your 2025 financial resolution to increase your current retirement plan contribution rate. Did you increase it like you promised yourself back on January 1? If not, now is the time! Make sure you’re contributing at least enough to receive the full employer match (if offered).  

Financial Fitness 

A no-spend challenge is a personal finance exercise in which individuals or households commit to not spending money on nonessential items for a set period of time, usually ranging from a week to a month or even longer. The goal is to cut back on discretionary spending — like dining out, entertainment or impulse purchases — while focusing on necessary expenses such as rent, utilities, groceries and bills. Participants often use the challenge to save money, build better spending habits or reset their financial mindset. To learn how to create a no-spend challenge strategy, check out: https://tinyurl.com/muf45k5n.  

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material. 

HUB Retirement and Private Wealth employees are affiliated with and offer Securities and Advisory services through various Broker Dealers and Registered Investment Advisers, some of whom may or may not be affiliated with HUB International.  HUB International owns the following Registered Investment Advisers:  HUB Investment Partners; HUB Investment Advisors; GRP Financial; RPA Financial; and Taylor Advisors. Additional information for each individual HUB International Registered Investment Advisor may be found in the respective Form ADV available on the SEC’s IAPD website at https://adviserinfo.sec.gov. Insurance services are offered through HUB International. 

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