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Why Name A Beneficiary?

Why Name A Beneficiary?

Why Naming a Beneficiary Matters Designating someone as your beneficiary ensures your assets go...

Debt Management

Debt Management

Debt Management: Understanding How to Handle Debt Effectively Debt is an unavoidable reality for many people, whether it's student loans, mortgages, auto loans, or credit card balances. While debt often carries a negative connotation, not all debt is inherently bad....

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Cómo Funcionan Un Fondos Con Fecha Objetivo

Cómo Funcionan Un Fondos Con Fecha Objetivo

¿Qué es un fondo con fecha objetivo? Un fondo con fecha objetivo es un portafolio de inversión diseñado específicamente para ajustarse a medida que envejeces, facilitando la planificación para la jubilación. Estos fondos son populares en los planes de jubilación...

How A Target Date Fund Works

How A Target Date Fund Works

What Is a Target Date Fund? A target date fund is an investment portfolio specifically designed to adjust as you age, making it easier to plan for retirement. These funds are popular in retirement plans because they are structured to automatically reduce risk as your...

Five Common Retirement Risk Factors

Five Common Retirement Risk Factors

Retirement: Dreams vs. Reality While many envision retirement as a time to relax on a beach or travel the world, the reality can be more complicated. Retirees often face financial risks that can jeopardize their long-term security. The five most common retirement...

Contribution Impact On Take-Home Pay

Contribution Impact On Take-Home Pay

Increasing the Amount, You Contribute Contributing more to your employer’s retirement plan will lower your take-home pay—but maybe not by as much as you think. The actual impact depends on whether you’re making pre-tax or Roth contributions. Understanding Pre-Tax...

Elaboración De Un Presupuesto

Elaboración De Un Presupuesto

Elaborar un Presupuesto Establecer un presupuesto para tus objetivos puede reducir el estrés de manejar tu dinero y darte confianza al planear tu futuro financiero. Un presupuesto no se trata solo de cubrir tus gastos; también puede incluir metas divertidas como...

Making A Budget

Making A Budget

Making a Budget Setting a budget for your goals can reduce the stress of managing your money and give you confidence in planning your financial future. A budget isn’t just about covering your bills; it can also include fun goals like vacations or a new car. And it...

Health Saving Accounts Vs Retirement Plan Deferrals

Health Saving Accounts Vs Retirement Plan Deferrals

A Powerful Yet Overlooked Tool There are several types of tax-advantaged savings accounts designed to help you prepare for retirement. While many people are familiar with options like 401(k)s and IRAs, one that is often overlooked is the Health Savings Account, or...

Cinco Factores De Riesgo Comunes En La Jubilación

Cinco Factores De Riesgo Comunes En La Jubilación

Jubilación: Sueños vs. Realidad Aunque muchos imaginan la jubilación como una época para relajarse en la playa o viajar por el mundo, la realidad puede ser más complicada. Los jubilados a menudo enfrentan riesgos financieros que pueden poner en peligro su seguridad a...

Impacto De La Inflación

Impacto De La Inflación

¿Qué es la Inflación? La inflación es el aumento en los precios de bienes y servicios de un año a otro. Es una parte natural de una economía en crecimiento y debe esperarse con el tiempo. A medida que sube la inflación, los empleadores suelen aumentar los salarios,...

Impact of Inflation

Impact of Inflation

What Is Inflation? Inflation is the increase in the prices of goods and services year over year. It’s a natural part of a growing economy and should be expected over time. As inflation rises, employers often increase salaries, helping working individuals offset the...

Promedio De Costo Dolarizado

Promedio De Costo Dolarizado

¿Qué es el Promedio de Costos en Dólares (Dollar Cost Averaging)? El promedio de costos en dólares es una estrategia que consiste en invertir una cantidad fija de dinero de manera regular, sin importar el precio por acción de la inversión o lo que esté sucediendo en...

Dollar Cost Averaging

Dollar Cost Averaging

What Is Dollar Cost Averaging? Dollar cost averaging is the strategy of investing a fixed dollar amount on a regular basis—regardless of the investment’s share price or what’s happening in the markets. It’s a disciplined approach that can help reduce the average cost...

Social Security Basics

Social Security Basics

Social Security Basics The Social Security Retirement Benefits Program is an essential component of retirement planning. While it is not designed to fully replace your income after you stop working, it serves as a partial income replacement and offers a reliable...

Social Seguridad Conceptos Básicos

Social Seguridad Conceptos Básicos

Conceptos Básicos del Seguro Social El Programa de Beneficios de Jubilación del Seguro Social es un componente esencial en la planificación de la jubilación. Aunque no está diseñado para reemplazar completamente tus ingresos una vez que dejes de trabajar, sirve como...

¿Depósitos Roth O Tradicionales?

¿Depósitos Roth O Tradicionales?

¿Aportaciones Tradicionales o Roth: Cuál es la Mejor para Ti? Al planificar tu jubilación, una de las decisiones más importantes que tomarás es si contribuir a una cuenta Tradicional (antes de impuestos) o a una cuenta Roth (después de impuestos). Ambas ofrecen...

Traditional or Roth Deposits?

Traditional or Roth Deposits?

Traditional or Roth Deposits: Which Is Right for You? When planning for retirement, one of the most important decisions you’ll make is whether to contribute to a Traditional (pre-tax) or Roth (after-tax) account. Both offer unique tax advantages that can help grow...

Rollovers

Rollovers

Let’s Talk About Rollovers If you’re retiring or changing jobs, one of the biggest questions you may face is what to do with your old employer-sponsored retirement plan account. It’s a critical decision that can have a lasting impact on your financial future, so it’s...

Préstamos Del Plan De Jubilación

Préstamos Del Plan De Jubilación

¿Qué es una Cuenta de Plan de Jubilación? Una cuenta de plan de jubilación está diseñada como un vehículo de ahorro a largo plazo destinado a proporcionar ingresos después de retirarte. Idealmente, deberías evitar retirar dinero de esta cuenta mientras sigues...

Retirement Plan Loans

Retirement Plan Loans

What is a Retirement Plan Account? A retirement plan account is designed as a long-term savings vehicle intended to provide income after you retire. Ideally, you should avoid withdrawing money from this account while still working to ensure your savings grow over...

Retirement Plan Accounts Vs IRAs

Retirement Plan Accounts Vs IRAs

Employer-Sponsored Retirement Accounts vs. IRAs When it comes to saving for retirement, there are several types of tax-advantaged accounts available. Two of the most common are employer-sponsored plans—like 401(k)s or 403(b)s—and Individual Retirement Accounts (IRAs)....

Diversificación y Reequilibrio

Diversificación y Reequilibrio

¿Qué Son la Diversificación y el Rebalanceo? La diversificación y el rebalanceo son dos estrategias clave de inversión que pueden ayudarte a construir un portafolio resistente y alcanzar tus metas financieras. Cuando se usan juntas, reducen el riesgo, mejoran la...

Diversification And Rebalancing

Diversification And Rebalancing

What Are Diversification and Rebalancing? Diversification and rebalancing are two key investment strategies that can help you build a resilient portfolio and reach your financial goals. When used together, they reduce risk, improve long-term stability, and ensure your...

La Importancia De Tener Una Cuentas De Emergencia

La Importancia De Tener Una Cuentas De Emergencia

Por Qué Necesitas un Fondo de Emergencia La vida es impredecible, y los gastos inesperados pueden surgir en cualquier momento. Ya sea una factura médica, una reparación del auto, mantenimiento del hogar o la pérdida de empleo, estas sorpresas pueden alterar...

The Importance Of Emergency Accounts

The Importance Of Emergency Accounts

Why You Need an Emergency Savings Account Life is unpredictable, unexpected expenses can happen at any time. Whether it is a medical bill, car repair, home maintenance, or a job loss these surprises can quickly disrupt your financial stability. That is where an...

El Impacto Que Tiene Un Aumento Del La Contribución Del 1%

El Impacto Que Tiene Un Aumento Del La Contribución Del 1%

Por Qué Un Aumento del 1% Importa No importa qué tan cerca o lejos estés de la jubilación, aumentar tu tasa de contribución (incluso solo un 1%) puede tener un gran impacto en tus ahorros futuros. Sí, puede que tu cheque de pago se vea un poco más reducido ahora, pero...

The Impact That A 1% Contribution Increase Makes

The Impact That A 1% Contribution Increase Makes

Why A 1% Increase Matters No matter how close or far you are from retirement, increasing your contribution rate (even by just 1%) can have a big impact on your future savings. Yes, your paycheck might feel a little smaller now, but that small short-term sacrifice can...

How Much Do I Need To Save Each Month?

How Much Do I Need To Save Each Month?

The $1 Million Retirement Goal Many people aim to retire with $1 million in savings. It’s a round number, and for many, it represents financial security in retirement. But how much do you actually need to save each month to reach that goal? While financial advisors...

Gestión De Deudas

Gestión De Deudas

Gestión de Deuda: Cómo Manejar la Deuda de Forma Efectiva La deuda es una realidad inevitable para muchas personas, ya sea por préstamos estudiantiles, hipotecas, préstamos para automóviles o saldos de tarjetas de crédito. Aunque la deuda suele tener una connotación...

¿Por Qué Nombrar A Un Beneficiario?

¿Por Qué Nombrar A Un Beneficiario?

Por Qué Importa Nombrar un Beneficiario Designar a alguien como tu beneficiario asegura que tus activos vayan a donde tú deseas en caso de tu fallecimiento. Es uno de los pasos más importantes para proteger a tus seres queridos y preservar tu legado. Los Beneficios de...

Cuentas de Planes de Jubilación Frente A Cuentas Individuales

Cuentas de Planes de Jubilación Frente A Cuentas Individuales

Cuentas de Jubilación Patrocinadas por el Empleador vs. Cuentas IRA Cuando se trata de ahorrar para la jubilación, existen varios tipos de cuentas con ventajas fiscales disponibles. Dos de las más comunes son los planes patrocinados por el empleador—como los 401(k) o...

Principios Básicos De Inversión

Principios Básicos De Inversión

  Comprendiendo los Tipos Básicos de Inversión Antes de invertir en el mercado de valores, es importante entender algunos principios clave de inversión. Al aprender lo básico, puedes tomar decisiones informadas y elegir inversiones que se alineen con tus objetivos, tu...

Basic Investment Principles

Basic Investment Principles

Understanding Basic Investment Types Before investing in the stock market, it’s important to understand a few key investment principles. By learning the basics, you can make informed decisions and choose investments that align with your goals, time horizon, and risk...

Contribución Impacto Salario Neto

Contribución Impacto Salario Neto

Aumentar la Cantidad que Contribuyes Contribuir más al plan de jubilación de tu empleador reducirá tu salario neto, pero quizás no tanto como imaginas. El impacto real depende de si estás haciendo contribuciones antes de impuestos (pre-tax) o Roth (después de...

Reinversiones

Reinversiones

Hablemos Sobre los Rollovers (Transferencias de Planes de Jubilación) Si estás jubilándote o cambiando de empleo, una de las decisiones más importantes que enfrentarás es qué hacer con la cuenta de jubilación patrocinada por tu empleador anterior. Es una decisión...

¿Cuánto Necesito Ahorrar Cada Mes?

¿Cuánto Necesito Ahorrar Cada Mes?

La Meta del Millón de Dólares para el Retiro Muchas personas aspiran a jubilarse con $1 millón en ahorros. Es una cifra redonda que, para muchos, representa seguridad financiera en el retiro. Pero, ¿cuánto necesitas realmente ahorrar cada mes para alcanzar esa meta?...

Gestión De Deudas

Gestión De Deudas

Manejo de Deuda: Cómo Gestionar la Deuda de Forma Efectiva La deuda es una realidad inevitable para muchas personas, ya sea por préstamos estudiantiles, hipotecas, préstamos para automóviles o saldos de tarjetas de crédito. Aunque a menudo tiene una connotación...

[Video] Q2 2025 Economic and Market Commentary

[Video] Q2 2025 Economic and Market Commentary

Q2 2025 was shaped by the “Tariff Two-Step”—a swift policy reversal that triggered both a market drop and a quick recovery. Despite mid-quarter uncertainty, diversified investors saw strong gains by quarter’s end. On April 2, President Trump announced sweeping...

[Video] Q2 2025: International Equities Continue 2025 Dominance

[Video] Q2 2025: International Equities Continue 2025 Dominance

As we review the market landscape of the second quarter of 2025, one theme remains consistent: navigating volatility through diversification. At the heart of our Q2 analysis is the continued strength of diversified portfolios composed of equities, fixed income,...

[Video] Q2 2025: Consumer Sentiment & Consumer Behavior

[Video] Q2 2025: Consumer Sentiment & Consumer Behavior

As we reflect on the market conditions in the first half of 2025, one theme is becoming more apparent: the U.S. consumer remains a powerful force—even amid declining sentiment. At the heart of our midyear review is the role of personal consumption expenditures, which...

[Video] Q2 2025: Volatility in the Market

[Video] Q2 2025: Volatility in the Market

As we look back at the first half of 2025, one thing is clear: volatility returned to markets in a big way—and diversification once again proved its worth. At the heart of this review is the rapid shift in investor sentiment caused by policy changes, geopolitical...

[Video] S&P 500 Top 10 Concentration Implications

[Video] S&P 500 Top 10 Concentration Implications

Over the past decade, the composition of the S&P 500 has shifted significantly—raising important implications for investors. One of the most notable changes is the growing concentration of the index's top 10 holdings. In 2015, the top 10 companies represented...

[Video] The S&P 500: Historical Returns and Volatility

[Video] The S&P 500: Historical Returns and Volatility

As we move through the early months of 2025, the S&P 500 has presented investors with an unfamiliar narrative compared to the strong performance seen in 2023 and 2024. After two consecutive years of returns exceeding 25%, Q1 delivered a pullback—reminding us that...

[Video] Q1 2025 Economic and Market Commentary

[Video] Q1 2025 Economic and Market Commentary

As we closed the first quarter of 2025, investors were met with a stark change in tone from the high-growth environment of the past two years. Rising volatility, shifting trade policies, and renewed concerns about recession created a market defined by uncertainty—and...

[Video] Asset Allocation: What Worked in Q1

[Video] Asset Allocation: What Worked in Q1

As we review the market landscape of the first quarter of 2025, one theme remains consistent: the power of diversification. At the heart of our Q1 analysis is the asset class quilt chart—a familiar tool we use to visualize the performance of various asset classes....

How to Save $1 Million for Retirement

How to Save $1 Million for Retirement

Retirement planning can seem overwhelming, but reaching the $1 million milestone is more achievable than many think—with the right strategy and consistency. In our webinar, "How to Save $1 Million for Retirement," we break down practical savings approaches, investment...

Understanding Social Security: A Guide to Retirement Benefits

Understanding Social Security: A Guide to Retirement Benefits

Planning for retirement requires a solid understanding of Social Security benefits and how they fit into your overall financial strategy. In our webinar, "Social Security Basics," we break down the key components of the Social Security program, eligibility...

Investment Basics: Understanding Key Principles

Investment Basics: Understanding Key Principles

Investment Basics: Understanding Key Principles It is important to understand some basic investment principles before putting your money into the stock market. This knowledge helps you make informed investment decisions and ensures your investments align with your...

2025: A Year of Change

2025: A Year of Change

Economic Insights, Trends and Challenges Stay up to date on market performance, ongoing economic trends and what challenges may lie ahead. In this quarter's Economic Insights, HUB's Investment Research Team covers: The standout drivers of 2024’s equity performance and...

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