With all the noisy commentary, complex investment products, and volatile performance in the financial industry, it can be hard to figure out how to act. How can an investor determine which investing strategies have merit and which have outperformed simply by chance?

For our clients, that’s easy! We do it for you. That’s precisely why we’re here, in the service of our clients.

I recently gave a presentation where I reviewed the investment options out there and explained how some investment strategies put the odds of success in one’s favor while others do not. I related this complex topic to a simple game of betting $1,000,000 on the flip of a coin. Heads or tails? After watching this 30-minute presentation, you will have a much better understanding of our motto, “Take the Long View,” and why we are so passionate about our approach to investing.

For anyone that hasn’t already joined our family, click here to set up a time to meet with us if you find this discussion intriguing.

This presentation is for educational purposes only and represents general information regarding Hill Investment Group’s investment advisory service. It does not intend to make an offer or solicitation for the sale or purchase of any specific securities or to provide specific advice. Past performance is not indicative of future performance; investments involve risk and are not guaranteed. Consult with a qualified financial adviser before implementing any strategy.

Integrating Your 401(k) into your Financial Plan

To have the best and most accurate picture of your financial situation, you must look at every asset (and liability). Did you know that you can integrate your 401(k), 403(b), 457, HSA, and variable annuity accounts into your overall plan? And get help managing the investments directly?

We have a new state-of-the-art system that allows for safe and compliant HIG advisor access to all of your accounts – taking the hassle, fiduciary responsibility, and management risk off your plate.

What does this mean for me?

• HIG taking fiduciary responsibility – upon setup, HIG takes on immediate responsibility for managing these assets.
• Combatting volatility with timely trading and rebalancing – ensuring your allocation is in line with your plan, no matter what’s happening in the markets.
• Investing in the right funds for you – full review of the cost and quality of available funds immediately upon setup, repeated quarterly.
• Tax efficiency through asset location – maximizing the value of these vehicles as an important part of your portfolio.
• Cost – the cost for this service is determined according to your regular fee schedule. See more details here.

Why it matters

These accounts shouldn’t be an orphaned part of your financial picture. Let us coach you more effectively and get the peace of mind knowing ALL of your assets are taken care of, no matter what.

Ready to set up your access to this service?

Schedule a call with me here. Setup takes no more than 15 minutes.

As HIG’s “client concierge,” I’m often asked about what books I would recommend for younger investors or those new to investing. Two obvious ones have been written about here before: The Psychology of Money by Morgan Housel and Odds On by Matt Hall.

As a concierge, though, after answering the question initially asked, I like to add to an important question that may not have been asked. In this case, “What book would you recommend to my 20-something (child, grandchild, niece, nephew, godchild, etc.) about life and career?” The title that tops my short list is unequivocally, The Defining Decade: Why your twenties matter and how to make the most of them now, by Meg Jay, Ph. D.

While the clear and direct audience is the 20-something, parents, grandparents, and others can also benefit from reading the title. Meg Jay provides an outstanding framework to hold productive conversations with anyone, especially twenty-somethings, based on her years as a clinical psychologist specializing in adult development. Not surprisingly, for our regular readers, Dr. Jay brings plenty of data and evidence along with her anecdotes. 

As a parent of three kids in their twenties, I thought it was a great time to revisit this title myself. Fortunately, my wife, Jeana,  encouraged our kids to read the book while in high school or college. As all three embark on new careers or career changes, I’m forever grateful to her for discovering this title years ago. Notably, an “updated” 2021 edition provides additional data and evidence since the 2012 original publication. 

If you would like to receive a complimentary copy of the book or discuss the topic further, call me at 855-414-5500.