Hillcrest Financial Group

10/26/2026

Facing divorce? Don't overlook changes to your insurance coverage.

In the face of divorce, making changes to insurance coverage may be overlooked.

10/26/2026

Paying an adult child’s bills may help in the moment, but open-ended support can affect both their independence and your own financial future. A clear plan can make assistance more productive.

🎯 Support with a purpose: Tie help to a specific goal, such as finishing school, finding work, or recovering from a setback.
📋 Set expectations early: Agree on how long support will last and what progress you expect along the way.
✂️ Reduce help gradually: Transition over several months and consider paying essential bills directly instead of providing unrestricted cash.

Learn how to set boundaries without damaging your relationship or retirement plans: https://bit.ly/4wQBtAw

Some parents may feel obligated to help their adult children – but that support may be doing more harm than good.

10/25/2026

It’s important to understand the differences between credit card and charge cards, specifically the fee structure and interest rates. Get educated on which option makes sense for your spending habits: https://bit.ly/3OU6ZKe

Explore the differences between charge cards and credit cards. Understand fees, credit limits, and payment terms to choose the right option for your needs.

10/24/2026

What kind of difference do you want to make? Whether you give your time, talents, or financial support, even one thoughtful action can strengthen the people and places around you.

10/23/2026

Downsizing in retirement can affect more than your square footage. Before selling a larger home, it’s important to consider the potential savings, hidden costs, tax impact, lifestyle changes, and emotional tradeoffs.

Learn what to consider before selling a larger home, from everyday costs and taxes to family needs and future comfort.

10/23/2026

About half of adults under 35 have nothing saved for retirement, just as many are also facing the high costs of raising a family. Here are ways to keep both goals moving forward:

Protect your employer match: Even if you need to scale back contributions, try to save enough to capture the full match if you can.

Keep your own future in the mix: Families may have borrowing options for college, but retirement usually requires building savings over time.

Watch for lifestyle creep: A bigger home, car, or other upgrades can raise future spending needs, so consider increasing contributions as expenses like childcare ease.

See how to balance saving for your kids with saving for your own future: https://bit.ly/4yngTIi

Parenthood brings a host of new financial challenges, but it’s essential to continue planning for retirement in order to stay on track for the future.

10/22/2026

A smooth retirement starts before your last day of work. Here’s what’s worth checking off before you hand in that resignation letter.

Clear debt and build a real budget: Lowering debt before retirement can reduce pressure on a fixed income, while a realistic budget helps you see whether your expected spending lines up with what you’ve saved.

Tie up loose ends at work: Check with HR about outstanding stock, health benefits or seniority perks you could lose by leaving too soon.

Time Social Security and withdrawals carefully: Claiming Social Security early means a smaller monthly benefit, while tapping retirement accounts too soon may trigger taxes or penalties.

Use this checklist to spot any loose ends before retirement day arrives: https://bit.ly/4yMyrhM

You don't want to start your retirement on the wrong foot by making early mistakes. Make sure you have a plan in place before you offer your resignation letter.

10/21/2026

Looking ahead can help female investors conquer these unique obstacles. You can learn more here.

Looking ahead can help you conquer these unique obstacles.

10/21/2026

Naming a 401(k) beneficiary might seem like a small step, but it can save your loved ones time, money, and legal headaches. The right plan also ensures your assets are passed on exactly as you intend:

Designate early: Name a beneficiary now to avoid probate delays.
Choose carefully: Consider long-term outcomes for spouses, children, or trusts.
Keep them informed: Share account options and tax rules.
Learn how to make your 401(k) work for your legacy, not against it: https://bit.ly/4mHrvw5

Leaving 401(k) cash behind can cause your heirs major headaches.

10/20/2026

Dreaming of a surprise inheritance? Managing an inherited IRA isn’t all windfalls and celebrations—it’s also rules, required minimum distributions, and tax planning. Learn how to navigate your options and avoid costly mistakes: https://bit.ly/49MczaU

Understanding the complex considerations when inheriting an IRA, including RMD changes in 2025.