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Category: Stock Market

What is a “Rolling Recession,” and Are We in One?

What is a "Rolling Recession," and Are We in One? Hilltop Wealth Solutions

It is obvious that the economic situation following the coronavirus outbreak has been very erratic. Despite the fact that people have been discussing the possibility of a recession for some time now, we have not yet fully experienced one. Generally speaking, a recession is characterized by a continuous and widespread economic decline. [1] And although […]

5 Questions to Understand Your Retirement Needs

5 Questions to Understand Your Retirement Needs Hilltop Wealth Solutions

What Is A Rolling Recession? Feeling uncertain of how much money you’ll require when you retire? It’s a typical worry among Americans nearing retirement. This blog provides some advice on ways to start projecting your financial demands as well as some suggestions on how to bolster the duration of your savings and find success in […]

2 Reasons 2022 Challenged the 60/40 Portfolio Allocation Strategy

2 Reasons 2022 Challenged the 60/40 Portfolio Allocation Strategy

The 60/40 allocation strategy is frequently recommended when beginning your investing journey. With 60% of your portfolio in equities and 40% in bonds or other fixed-income investments, this approach has traditionally provided a balanced benefit, with high growth potential from stocks and a safety net from bonds.[1] The assumption was that stock and bond markets would […]

How Rising Interest Rates Affect Your Retirement Plan

How Rising Interest Rates Affect Your Retirement Plan Hilltop Wealth Solutions

The economy in 2022 has set multiple records, first with the highest inflation rate in 40 years, and now with the highest federal reserve interest rates since 2008.[1] The US Federal Reserve has raised interest rates six times in 2022, reaching a total of 3.75% in November to curb rampant inflation.[2] Higher interest rates should […]

Index and Mutual Funds – Key Differences

Index and Mutual Funds – Key Differences Hilltop Wealth Solutions

While an index fund and a mutual fund may appear identical on the surface, there are numerous key differences between them that might be vital to your retirement portfolio. Both index funds and mutual funds diversify assets, and they are typically invested in a basket of stocks that aims to meet certain investment goals. Overview […]

Worried About a Bear Market? Here’s How Long It Could Last

Worried About a Bear Market? Here’s How Long It Could Last Hilltop Wealth Solutions

We hear the term “bear market” and may start to panic. But bear markets don’t always last long, and one can be quite different from another. There are many factors that can influence the market, making it very hard to predict its movements. If you’re worried about a bear market, know the facts. How Long […]

Don’t Let Your Emotions Control Your Finances

Don’t Let Your Emotions Control Your Finances Hilltop Wealth Solutions

If you’ve followed markets or financial news, especially in the past few years, you may have felt certain emotions when your portfolio makes a big jump or declines steeply. When markets keep going up, emotions can start to creep in and tell you to overweight your risky assets. It can start to feel like you’re […]

Don’t Let Your Emotions Control Your Finances

Don’t Let Your Emotions Control Your Finances Hilltop Wealth Solutions

If you’ve followed markets or financial news, especially in the past few years, you may have felt certain emotions when your portfolio makes a big jump or declines steeply. When markets keep going up, emotions can start to creep in and tell you to overweight your risky assets. It can start to feel like you’re […]

© 2022 Hilltop Wealth and Tax Solutions

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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.

The Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Company web site or incorporated herein and takes no responsibility, therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by the Company, will be profitable or equal any historical performance level(s).

Certain portions of Company web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, the Company (and those of other investment and noninvestment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from the Company, or from any other investment professional.

The Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if the Company is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of the Company by any of its clients.  Rankings published by magazines and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.  Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to the Company web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from the Company, or from any other investment professional.

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