Featured entries from our Journal

Details Are Part of Our Difference

Podcast Episode – Meir Statman

With the Recent Events in Ukraine, Should I Make Changes to My Portfolio?

Embracing the Evidence at Anheuser-Busch – Mid 1980s

529 Best Practices

Author: Nell Schiffer

Ways to Help Protect your Financial Data in 2023

To kick the year off on the right foot, we wanted to share some of the most effective measures you can take this year to protect your financial data. Some of our list will be reminders you’ve heard before, and others will be new ideas. Here are our suggestions as you tighten up your personal protection plan for 2023:

  1. Enable Two-Factor Authentication: We know it can be a pain, but two-factor authentication adds an extra layer of security by requiring a second form of verification (e.g., a code sent to your phone) and your password. It’s worth it.
  2. Use anti-virus and anti-malware software: Make sure that your device has anti-virus and anti-malware software installed and that it is kept up to date.
  3. Don’t use public Wi-Fi: Public Wi-Fi networks are often unsecured, making them easy targets for hackers. Avoid using public Wi-Fi networks for sensitive financial transactions. An alternative to using public Wi-Fi is using your cellphone hotspot for a secure connection.
  4. Be wary of phish!: Scammers often use phishing emails and text messages to trick people into giving away their personal information. Be wary of unsolicited messages, and never click on links or enter personal information into a website unless you are sure it is legitimate. Treat email as guilty until proven innocent.
  5. Secure your device: Use a 6-digit passcode or biometric (fingerprint) to lock your mobile device, don’t share your device with anyone, and only install apps from the official app store.
  6. Use a password manager: A password manager can help you create and manage strong, unique passwords for all your accounts, making it easier to protect your personal information.
  7. Use strong, unique passwords: Use a strong, unique password for all your financial accounts and change them regularly. Avoid using easily guessable information such as your name, kids’ birthdate, or pet names.
  8. Avoid communicating sensitive information over email: Share sensitive information like logins, account numbers, and birthdates only in secure portals or using safe links.  

By taking these steps, you can help keep yourself protected while online. If you are curious about how we protect your information here at Hill Investment Group, call me at 314-448-4023.

The Big Picture: Integrating all of your Assets at Hill


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.

The Poetry of the Long View

How long exactly is the long view? We found the perfect quote from Letters to a Young Poet to help answer that question.

“Ten years are nothing.” You will often hear the team at HIG use this exact phrase. When we say ten years are nothing, we mean that even ten years’ worth of data can be noise. If you look at the last ten years of data alone, you will see the ups and downs of crazy S&P 500 performance.

“Stands confidently in the storms of spring, not afraid that afterward summer may not come.” This line resonates with us because HIG clients have confidence, even in tumultuous times, knowing that taking the long view is the closest thing to certainty in investing. The longer into the future you go, the closer you get to 100% certainty of a positive return.

“Summer…comes only to those who are patient, who are there as if eternity lay before them.” Our clients will tell you that the long view is “longer than your lifetime” because we help them plan for the legacy they will leave that will continue on with those who aren’t even born yet.

“Patience is everything.” We continue to help our clients remain patient and look to the future when they will reap the benefits of remaining steadfast in their long view efforts.

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Featured entries from our Journal

Details Are Part of Our Difference

Podcast Episode – Meir Statman

With the Recent Events in Ukraine, Should I Make Changes to My Portfolio?

Embracing the Evidence at Anheuser-Busch – Mid 1980s

529 Best Practices

Hill Investment Group