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Hilltop Market Update 3rd Quarter 2019

Hilltop Market Update 3rd Quarter 2019

Chris Hostetler and David Wise summarize Hilltop’s updates on the economy and the markets from our latest quarterly investment review. We discuss recent market volatility, the trade war, and more.

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Personal Finance 101 – Do You Really Need Disability Insurance?

Personal Finance 101 – Do You Really Need Disability Insurance?

If you lose income because you’re too sick or injured to work, the financial cost to you and your family can be devastating. If a catastrophic event has such high odds, it makes sense to plan for it.

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Hilltop Market Update 2nd Quarter 2019

Hilltop Market Update 2nd Quarter 2019

Rusty Eriksen and David Wise summarize Hilltop's updates on the equity and income markets, including thoughts on recent conversations with clients.

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Personal Finance 101 – IRAs: Are You Team Traditional or Team Roth? Part Two

Personal Finance 101 – IRAs: Are You Team Traditional or Team Roth? Part Two

You’ve mastered the basic differences between a Traditional and a Roth IRA (by reading part one of this post) and you’re ready to start saving. Now, which type of account should you use? 

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Personal Finance 101 – IRAs: Are You Team Traditional or Team Roth? Part One

Personal Finance 101 – IRAs: Are You Team Traditional or Team Roth? Part One

You’re a saver, and you’ve heard that contributing to a Traditional or Roth IRA is a good tax move. But you may be bewildered about the difference and trying to decide which one is for you. We’re here to help! This post is part one of two and will discuss the rules of Traditional and Roth IRAs.

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The Yield Curve Inverted – What Should I Do?

The Yield Curve Inverted – What Should I Do?

A commonly cited indicator of recessions, an inverted yield curve, may have presented itself recently.  Here are some smart steps you can take.

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Personal Finance 101 – 5 Steps to Become the Boss of Your Budget

Personal Finance 101 – 5 Steps to Become the Boss of Your Budget

Budgeting does not have to be difficult or time-consuming. It can actually be comforting to know that you have a plan for your money, especially if that includes a regular Starbucks run! To help you get started, here are five simple steps for creating a basic budget.

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Hilltop Market Update 1st Quarter 2019

Hilltop Market Update 1st Quarter 2019

Chris Hostetler and Ben Yeager summarize Hilltop's updates on the equity and income markets, including thoughts on US economic strength, Brexit negotiations, US-China trade negotiations, the Fed's interest rate policy and more.

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A New Deduction for Business Owners - Decoding the Tax Law

A New Deduction for Business Owners - Decoding the Tax Law
By Miles Pfeifer (guest post) I hope you had a happy Thanksgiving and are looking forward to the year-end holiday season. If you’re a business owner, Congress has already prepared an exciting ‘gift’ for you, as part of the Tax Cuts and Jobs Act of 2017: a shiny new business tax deduction. For those who qualify, properly taking advantage of these new tax rules may result in substantial tax savings. As part of the new tax laws, effective for income earned in 2018, the IRS has added a new Internal Revenue Code Section 199A, and come up with some ‘exciting’ new terms, most importantly “Qualified Business Income” (QBI) and “Specified Service Trade or Business” (SSTB). As is often the case with Congress and the IRS, the new laws come with instructions. Lots of instructions. The IRS has published its first set of guidance for these new rules, totaling only 184 pages. Don’t worry, more explanations are anticipated. For those brave enough to read on, ...

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Hilltop Market Update 4th Quarter 2018

Ben Yeager and Rusty Eriksen provide a summary view of our investment committee’s latest research, sharing our thoughts on market volatility, interest rates and international markets.

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