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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...
Gifting to Reduce Your Taxable Estate

Gifting to Reduce Your Taxable Estate

Navigating the Pros & Cons of Long-Term Care Insurance Introduction The golden years are often painted as a time of relaxation and enjoyment, free from the burdens of daily work. However, as we age, health care becomes an inevitable concern. With rising medical...
Long-Term Care Insurance Pros and Cons to Consider

Long-Term Care Insurance Pros and Cons to Consider

Long-Term Care Insurance Offers More Choices As healthcare costs increase, long-term care insurance companies offer more options. A 2019 study by the American Association for Long Term Care Insurance found that more than half of new claims under these policies are for...
Estate Planning Misconceptions

Estate Planning Misconceptions

Many people postpone creating an estate plan because considering their demise is unsettling. Others make false assumptions that cause them to neglect this important task or make less-than-ideal decisions. Here are a few common misconceptions related to estate...
Retirement Lessons from Sun Tzu

Retirement Lessons from Sun Tzu

I enjoy reading military history and often think of how wisdom and principals of the past can be applied to modern life. On a recent reread of The Art of War, I  reflected on how Sun Tzu’s teachings could be applied to modern day retirement planning. Here are three...