A Refresher on the SECURE Act 2.0 and a Recent Update to It

A Refresher on the SECURE Act 2.0 and a Recent Update to It Hilltop Wealth Solutions

The SECURE Act 2.0 was a major change in legislation passed in 2022 that drastically affected many areas of retirement planning.[1] It changed rules for many aspects of financial planning concerning retirement, but some of the most important changes were that it: Pushed back the age of RMDs[1] Changed some rules for catch-up contributions[1] Changed […]

Rapid Reaction: UAW Strike

The United Auto Workers (UAW) strike is impacting factories at General Motors, Ford, and Stellantis (Chrysler, Jeep, etc.) with 146 thousand workers being authorized to strike. The union is seeking 40% pay increases and four-day workweeks among other demands. If a full strike occurred, it would be similar in size to the 1998 UAW/GM strike […]

Rapid Reaction: Government Shutdown

The government is poised to shutdown if a funding bill isn’t passed by September 30th. Speaker McCarthy is attempting to corral Republican support for a bill but is facing demands from the rightmost flank of the Republican caucus, including disagreements over funding for Ukraine. CLICK HERE TO VIEW/DOWNLOAD THE PDF

Debt Ceiling Explained: What You Need to Know

Debt Ceiling Explained: What You Need to Know Hilltop Wealth Solutions

Basics of the Debt Ceiling The national debt ceiling pertains to the maximum amount of funds the US Government can borrow to cover its expenditures. These expenses include various items such as military salaries and purchases, tax refunds, Social Security and Medicare benefits, and interest payments on any outstanding debt. The country currently operates with […]

A Review of the Current Debt Ceiling

A Review of the Current Debt Ceiling Hilltop Wealth Solutions

Background The US government is facing a critical decision regarding the debt ceiling, a cap on government borrowing that affects only the ability to pay existing bills, not to approve more spending. Currently, the US is getting perilously close to the current limit of nearly $31.4 trillion, at which point it could lose the ability […]

SECURE Act 2.0: 3 Key Changes to Retirement Planning

Secure Act 2.0 Passes Congress: What You Need to Know Hilltop Financial Group

Recently, Congress approved the SECURE 2.0 act which has made some major changes to the ways that retirement works. The bill affected many important elements of retirement. Read on to find out how these changes might affect you. Required Minimum Distributions (RMDs) If you are a person who is considering options related to RMDs, starting […]

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Hilltop Wealth Solutions (“Company”) is an SEC registered investment adviser located in Mishawaka, IN with branch office located in MI and other locations throughout IN.  The Company may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements.  The Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of the Company’s web site on the Internet should not be construed by any consumer and/or prospective client as the Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by the Company with a prospective client shall be conducted by a representative that is either registered or qualified for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of the Company, please contact the SEC or the state securities regulators for those states in which the Company maintains a notice filing.  A copy of the Company’s current written disclosure statement discussing Company business operations, services, and fees is available by going online via the SEC’s Investment Advisers Public Disclosure (IAPD) database at www.adviserinfo.sec.gov, using SEC #801-115255.

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