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Robert Harding Financial Group

 

18301 North 79th Avenue D-149, Glendale, AZ 85308

 

Phone:     623-977-9823

Fax:         623-977-0181

Toll Free: 800-977-9823

 

WE OFFER INDEPENDENT UNBIASED NO-STRINGS-ATTACHED

FINANCIAL ADVICE. WE ARE COMMITTED TO YOUR FINANCIAL FUTURE!

March/April 2021

The 401(k): Route to Retirement

There’s a lot to like about a 401(k) plan. Whether you already participate in your employer’s plan or you’re just now thinking about joining, reviewing the benefits as tax time approaches is a smart idea.

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New Limits for HSAs

Do you have a high-deductible health plan (HDHP)? That makes you eligible to contribute to a health savings account (HSA).

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Retirement Plans for Business Owners

Depending on the future sale of your business to finance your retirement can leave you without the resources you'll need to live comfortably. Finding the right retirement plan for your business can make a big difference to you and your employees' financial futures.

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Cultivate Your Financial Smarts

When there's a lot going on in your life, you might be tempted to put thinking about your finances on the back burner. But that's never a good plan. Improving your financial outlook can be as easy as laying down – and following – a few simple ground rules.

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Adoption: Plan to Cover the Costs

Adopting a child can be a joyful event — and an expensive one. If you’re considering adoption, it’s important to know the costs so you can plan and budget for them.

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Say No to Lifestyle Inflation

What’s on your wish list? A bigger house? A new boat? An exotic vacation? As your career advances and your earning potential grows, it’s tempting to want to “upsize” your lifestyle. But before you go all in with increasing your spending, prioritize your goals and focus on what’s essential for a successful financial future.

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How Much Should You Tip?

It isn’t always easy to know how much you should tip and when. Here are some guidelines.*

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Tipping in the States

How do you feel about tipping? Compare your opinions and habits with these survey responses, based on a representative sample of 1,031 adults in the U.S.

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Survivorship Policies: Filling a Need

A survivorship policy — also called a second-to-die policy — insures two lives, typically, a married couple (or business partners), with the death benefit paid out after the death of the second person.

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SDBA: Is it Right for You?

Unlimited investment options and complete control over how your money is invested — those are the major advantages of a self-directed brokerage account, or SDBA. If you’re looking for greater flexibility in saving for retirement, an SDBA may be something to consider.

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Securities and Investment Advisory Services offered through Geneos Wealth Management, Inc. Member FINRA/SIPC.
Robert Harding Financial Group and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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