HPK Provident Advisors

07/16/2026

Few decisions in life insurance matter more than who receives the benefit. The other details about how much, how long, and how it works are all factors in determining what is given to whom. Choosing a beneficiary is a deeply personal...

07/15/2026

The Fed’s benchmark rate stayed in the 3.50% to 3.75% range, with all 12 members of the Federal Open Market Committee voting in favor of holding rates unchanged.

The decision comes as inflation has climbed above 4% for the first time in three years, driven in part by higher energy costs and supply disruptions.

Fed officials described inflation as elevated and noted that price increases in certain sectors, including energy, have been affected by supply shocks.

For households and businesses, the decision matters because interest rates can influence borrowing costs, credit cards, auto loans, mortgages, business financing, and savings yields.

Even when rates do not move, the Fed’s language can offer clues about how officials are weighing inflation, employment, energy prices, and future economic conditions.



Source:

Futures markets overwhelmingly expected the Fed to keep rates unchanged.

07/14/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

07/10/2026

Join the team in discussing their outlook for the rest of the year, and ways to save in taxes as a small business owner

07/09/2026

A bipartisan housing bill is drawing attention for its potential impact on home prices and housing supply.

The 21st Century ROAD to Housing Act would aim to boost housing availability by reducing certain construction barriers, encouraging zoning reforms, supporting factory-built homes, and creating incentives for localities that increase housing supply.

It would also restrict large institutional investors from buying additional existing single-family homes once they exceed certain ownership limits.

Housing affordability has become a major challenge in many communities. One reason is that the U.S. has built fewer homes than needed for years, helping push prices and rents higher.

Experts say the bill could help support new construction over time, especially for townhomes, multifamily housing, and smaller condo buildings.

However, any impact on prices would likely take time, and the legislation was still awaiting final action after a scheduled signing ceremony was canceled.

For buyers, sellers, and homeowners, the broader takeaway is that housing affordability often depends on more than mortgage rates. Supply, construction costs, local rules, investor activity, and policy decisions can all shape the market.


Source:

The 21st Century ROAD to Housing Act, which has rare bipartisan support, would make it harder for major investors to hoard homes.

07/08/2026

Graduation season is a milestone worth celebrating. But once the caps are thrown and the family photos are taken, there's a financial inflection point that most families never talk about: what happens to all the money you've been...

07/07/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.

07/06/2026

Markets notched a solid gain over a shortened trading week as investors cheered ongoing diplomatic efforts in the Middle East. The Standard & Poor’s 500 Index rose 1.77 percent, while the Nasdaq Composite Index advanced 2.12 percent....

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07/02/2026

Join David and Mike discussing the latest jobs data, and ways to deal with appreciated stock

07/02/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.