Should You Schedule A Family Meeting?

by Andy Byron on May 15, 2018

Blog, Estate, Legacy Planning
Sometimes our older clients ask us if they should hold a family meeting to educate their child or children about the family’s financial and estate plans. We think this is a great opportunity for clients to also talk to their family members about their legacy and values, and traditions they’d like to see continued. We recently received this email from one of our clients who just completed a very successful family meeting.

The Trade War that Isn’t—Yet

by Andy Byron on Apr 9, 2018

Blog, Investments
So when President Trump declares a “trade war” against the world’s second-largest economy, it’s natural that many people—including, apparently, a large number of investors—would feel spooked about what’s to come in our collective future.  This explains why every escalation of words, and new lists of things that will be taxed at U.S. and Chinese borders, has provoked sharp downturns in the markets. But what, exactly, is a “trade war?”  Beyond that, what is a “trade deficit” and why are we trying to “cure” America’s trade deficit with China?

Sustainable Investing

by Andy Byron on Apr 6, 2018

Blog, ESG, Investments
We are excited to offer ESG Investing options at HC Financial. Individual stock portfolios are the best way to customize portfolios for clients who would like to avoid specific industries. Although we don’t currently use an ESG screen for individual stock holdings, we are happy to report that almost all HC Financial individual stock holdings pass an ESG screen. We have also assembled a list of ESG mutual funds that can be used in portfolios, both in the core large capitalization U.S.-based companies and the small capitalization and international investments.

Tips for Preventing Fraud

by Andy Byron on Jan 30, 2018

Blog, Cyber Security
Cyber criminals exploit our increasing reliance on technology. Methods used to compromise a victim’s identity or login credentials – such as malware, phishing, and social engineering – are increasingly sophisticated and difficult to spot. Following best practices and applying caution when sharing information or executing transactions makes a big difference.

Navigating a Homeowner’s Insurance Claim

by Andy Byron on Nov 13, 2017

Blog, Insurance

Suppose you’re the victim of a huge natural disaster like Hurricane Harvey, or have experienced some more local damage, like a tree falling on your house. What are the best practices for filing a claim for the damages your home and property have suffered?

Recently, the Consumer Federation of America offered tips on how to get all you’re entitled to from your insurance company.

Equifax Data Breach

by Andy Byron on Sep 12, 2017

Blog, Cyber Security

Although we sent an email to all of our clients describing steps to take immediately following the Equifax Data breach announcement, additional information about the breach and steps to take continue to evolve. We encourage you get in touch with us if you have any questions or concerns about how to protect your identity and credit after this breach.

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