Why we do what we do:
It comes down to the rewards!

Our greatest reward is feeling the absolute TRUST our clients have learned to place in us to do the utmost possible for their best interests.

This trust drives us to continually work to improve our service and management processes to help each client successfully weather the ever-changing economic environment we live in!



"Helping our clients navigate through
life's financial journey!"

 

 



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~designed with you in mind~

 

January 18, 2012 Interim Economic Update

Interim Economic Update
by Max W. Smith, CFP®, CIMA® and
Kent G. Forsey

For the Business Professional Combining Tax and Retirement Planning

Combining Tax and Retirement Planning
by Max W. Smith, CFP®, CIMA®

 

 

Welcome to Hillspring Financial, Inc. where you’ll find a wealth of information in the form of economic updates, research reports, newsletter articles and financial calculators.

We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this Web site to help you gain a better understanding of the financial concepts behind wealth management and preservation, retirement, investing, estate planning and risk management - insurance. Most importantly, we hope you see the value of working with skilled professionals to pursue your financial goals.

Hillspring Financial is dedicated to helping people successfully manage their financial resources, so they can pursue the activities they enjoy most in life. We’re here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the area of personal finance.
 
Hillspring Financial, Inc.
home of the exclusive
Paycheck Preservation System
For additional information regarding our exclusive PPS click here,
 
Paycheck Preservation System
 

 
Calculators

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

More Calculators →

Newsletters

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

More Newsletters →