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Q4 2025 Summary: A Year Navigating Volatility
The first half of 2025 reminded us why building a resilient, diversified portfolio matters. Escalating tariffs delivered a shock to the global economic order, rattling markets, and testing investor nerves.…
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GIVE! But Before You Do: 3 Charitable Giving Tips
We hope these tips will make the giving season a little less stressful: Tip #1: Charity scams can be very convincing. Tip #2: Your donation may or may not be…
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Q3 2025 Summary: Navigating the Recovery
If last quarter felt like a rollercoaster ride, this quarter was the moment we caught our breath and found our footing again. After the dramatic “Liberation Day” sell-off in April…
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Q2 2025: A Rollercoaster Ride
Remember that feeling when you’re approaching the top of a rollercoaster, knowing the drop is coming but not quite sure when? That was Q2 2025 in a nutshell. And while…
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Q1 2025: Policy Uncertainty and Market Volatility
The first quarter of 2025 presented investors with a challenging and volatile market landscape, marked by policy uncertainty following the new administration’s implementation of tariffs and shifts in immigration policy.…
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Q4 2024: Resilience Amid Mixed Signals
The fourth quarter of 2024 presented a mixed economic landscape, with several weaknesses offset by signs of resilience. The stock market showed volatility, rallying off the election of Donald Trump…
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Q3 2024: Consumer Strength Supports Growth
U.S. consumers continue to spend freely, despite having used most of the excess savings built up during the Covid years. As 70% of the economy, consumer spending was a large…
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What’s the Best Way to Teach Financial Skills to Children?
Some parents would rather speak to their children about practically anything other than money. But such reluctance carries a high price. While there are many legitimate ways to discuss finances…
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Consumer Alert: Scammers Change Tactics, Once Again
IRS.gov — Aggressive and threatening phone calls by criminals impersonating IRS agents remain a major threat to taxpayers, but now the IRS is receiving new reports of scammers calling under…
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HFM Takes You Back To School
Do you like the word BUDGET any more than the word DIET? We don’t tend to see learning about them as the path to something even better than short-term, short-lived immediate gratification. With…