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Meet HCWM Video

Meet HCWM Video

Our Vision for Your Retirement We’re thrilled to present our new company video, and we extend our gratitude to everyone involved in its creation. Discover the Difference…...
Behavioral Finance

Behavioral Finance

What is Behavioral Finance?    According to a study by DALBAR, Inc., the S&P 500 had a return of 7.20 percent over the past 20 years, while the average stock investor had a return of 5.29 percent over the same period. The Barclays Bond Index had a return of...
Budgeting for Your Retirement

Budgeting for Your Retirement

Mapping the Road to Financial Security in Retirement Picture this: a retirement where your days are filled with leisure, travel, and quality time with loved ones. It’s a dream many share, but achieving it requires careful planning. For retirees and those...
When to take Social Security

When to take Social Security

Timing is Everything When it Comes to Social Security Deciding when to take Social Security benefits is a significant milestone in the retirement planning process. With roots tracing back to August 14, 1935, when President Franklin D. Roosevelt signed the Social...