Team Hewins

08/25/2025

Hello everyone! We want to let you know about a small but important change: Moving forward, our main hub for sharing exciting company news, valuable insights, and engaging content will be LinkedIn.

While we won't be posting new updates on this page, please join us on LinkedIn for our most current information and to connect with our team. It's where you'll find all the exciting developments!

🔗 Connect with us on LinkedIn: https://hubs.ly/Q03DVXnd0

We look forward to seeing you there!

08/21/2025

Here's something that often surprises people going through divorce: while everyone focuses on dividing assets, the insurance decisions you make can actually have a bigger impact on your financial future.

Clari Nolet's new resource walks through everything from health insurance considerations to protection strategies in a way that's easy to understand. It walks through key details so you can feel prepared and confident in your decisions.

If you or someone you care about is navigating this transition, this guide offers insights on how to thoughtfully approach these decisions before they become more complicated.

Read the full article: https://hubs.ly/Q03BY0P80

We believe financial planning should feel supportive, not intimidating. That's why we can meet wherever you're most comfortable. Our office, over coffee, or even while taking a walk. We'll help you understand your options in a relaxed, genuine way.

Because when life feels overwhelming, your financial planning experience shouldn't add to that stress.

If you're new to our team's approach, we'd love to share more about our Big Decision Clarity session. It's thoughtfully designed for people going through major life transitions who want to feel confident and protected.

https://hubs.ly/Q03BYjPg0

08/19/2025

Whether you're going through a divorce or know someone who is, here's something most people don't know: during divorce proceedings, there are automatic temporary restraining orders (ATROs) that prevent either spouse from making changes to insurance policies.

The challenge? Many people don't realize these protections exist, and unfortunately, they sometimes get violated.

We worked with one client whose husband removed her from his health insurance during their divorce. When she was later diagnosed with cancer, he became responsible for covering her entire treatment because he'd violated the legal order by removing her coverage.

These situations can create financial stress that takes years to sort out.

When we review divorce situations with clients, we look for these issues early on. Not to create conflict, but because addressing them proactively can help clients navigate these transitions with as much peace of mind as possible.

Clari Nolet put together a comprehensive guide that covers this topic along with so many other important considerations, from understanding COBRA options to discovering long-term care benefits that often get overlooked.

Explore Clari's complete guide: https://hubs.ly/Q03BY2WT0

Questions about insurance planning during major life transitions? We'd love to help however we can.

Clari Nolet, CFP®, CDFA®, Senior Financial Advisor at Team Hewins, guides professionals through critical insurance decisions during divorce, from COBRA choices to hidden long-term care benefits.

08/14/2025

What if the only certainty is uncertainty? That's the powerful truth we're exploring in our latest update.

Our Chief Investment Officer, John Bussel, discusses current market trends and breaks down what's truly shaping your financial future.

Read more in our Mid-Quarter Update: https://hubs.ly/Q03CMnq90

Our mid-quarter letter addresses today's economic complexities and their impact on the markets. Drawing wisdom from former Treasury Secretary Robert Rubin to help us understand not if uncertainty exists, but how to think about its probabilities in today's dynamic markets. Stay informed with Team Hew...

08/13/2025

What's the story behind your biggest dream? For Phil, that's where every great plan begins. 🧡

For him, it's all about the journey. Hearing your aspirations, understanding your goals – that's the starting point.

He believes the process is where dreams take shape, and he's passionate about helping provide the guidance and confidence you need to turn those dreams into reality, step by step.

Ever wish someone truly got what you're working towards? That's Phil's superpower.

What's your vision for the future? Connect with Phil to explore the possibilities: https://hubs.ly/Q03wxKgn0

08/12/2025

After a fire, a divorced homeowner who kept the family home discovered the insurance policy for her beautifully renovated home was still tied to its original, unrenovated value, leaving her with a crippling financial shortfall.

Whether you're going through a divorce or supporting someone who is, we understand how the big financial questions can feel overwhelming. If your insurance isn't set up correctly, those careful financial plans may be impacted negatively.

Our Clari Nolet created a thoughtful guide to help you navigate these insurance decisions with confidence during divorce:

→ Health insurance decisions that actually make financial sense
→ Legal protections most people don't know exist
→ Benefits you might not know you’re entitled to
→ Asset protection strategies for your new financial situation

This is the kind of proactive planning that can help you anticipate challenges instead of scrambling to fix problems after they emerge.

Read the guide: https://hubs.ly/Q03BY8hW0

Questions about navigating insurance during major life transitions? We're here to help.

Clari Nolet, CFP®, CDFA®, Senior Financial Advisor at Team Hewins, guides professionals through critical insurance decisions during divorce, from COBRA choices to hidden long-term care benefits.

08/08/2025

We're thrilled to share some exciting news from our team! 🎉

A huge congratulations to Alex and Hoyt for passing the rigorous CERTIFIED FINANCIAL PLANNER® certification exam!

This isn't just about passing a test. Our team of professionals is committed to providing the highest level of service and guidance to you, our valued clients. Alex and Hoyt embody this commitment, and their new CFP® certification will further empower them to deliver the personalized, thoughtful guidance you deserve.

We're incredibly proud to have them as part of our team, enhancing our ability to serve you with even greater attention and care.

Join us in celebrating Alex and Hoyt's accomplishment!

08/07/2025

Most people think a 401(k) rollover is a simple decision.

Then they realize it affects their stock option exercise strategy, their tax planning, and their overall retirement coordination.

That's when things get complicated.

Here's what we've learned:

The right choice depends on how your rollover coordinates with your equity compensation schedule and your broader financial goals. It's not just about consolidating accounts—it's about making sure all the pieces work together.

This is exactly the kind of decision we help clients navigate in what we call our "Big Decision Clarity" session. It's designed for people who are facing a major financial choice and want to understand how it fits into their complete picture.

Learn more about how the meeting works: https://hubs.ly/Q03z6-q10

08/05/2025

"I haven't looked at that account in five years."

We hear this often from new clients about their old 401(k) accounts.

While life gets busy, that forgotten account might be creating costly tax complications you don't realize.

Here's what many people miss:

If you're planning to exercise stock options next year, having retirement funds distributed across different providers makes it much harder to coordinate things properly from a tax perspective.

Poor timing can push you into higher brackets than necessary or cause you to miss opportunities to lower your overall tax burden.

This is exactly why our team-based approach proves so valuable.

When multiple moving pieces are involved—rollover tax implications, equity compensation timing, and investment coordination—having different perspectives helps catch things one person might miss.

Read our latest article to see how we coordinate these elements for clients and why timing matters more than you might think:

https://hubs.ly/Q03z6X-00

Questions lingering on your mind? Reach out about your specific situation.

Karl Schwartz, CPA, CFP®, Senior Financial Advisor at Team Hewins, guides executives through 401(k) rollover tax strategy for stock options, RSUs, and equity compensation decisions.

08/01/2025

We're thrilled to welcome Luke Hayes as our new Director of Growth at ! 🎉

Luke joins us with an impressive background in relationship management and business development from his time at Charles Schwab, Fidelity, and State Street. His passion for building meaningful connections will be key as we grow together.

We look forward to his professional contributions enhancing our team's success and, most importantly, the financial wellbeing of our clients.

Welcome aboard, Luke! 🧡

07/30/2025

Is your financial plan ready for the 'One Big Beautiful Bill'? The recently passed One Big Beautiful Bill Act, also known as the OBBBA bill, is exactly the kind of big-picture change you want to stay ahead of, but don’t have time to fully unpack on your own.

Read our most recent blog to break down what this new law means, the new tax planning opportunities, and how thoughtful, timely financial planning can help you simplify, protect what you've built, and move forward with greater clarity and confidence.

Read more:

Confused by the 'Big Beautiful Bill'? Learn what this new law means for your finances. Simplify, protect your wealth, and gain clarity with strategic financial planning.

07/29/2025

That 401(k) from your previous company? It's not just sitting there—it's either helping or hurting your current tax strategy.

We see this regularly: successful professionals with multiple retirement accounts scattered across former employers, creating alignment challenges that quietly cost money over time.

Senior Financial Advisor Karl Schwartz, CPA, CFP® just published a comprehensive guide that walks through your four strategic options and shows how the timing of your rollover decision directly impacts your equity compensation tax planning.

https://hubs.ly/Q03z6W_70

Here's what makes this different from generic rollover advice:

We analyze how each option fits within your complete financial picture, especially when you're managing stock options, RSUs, or other company equity.

The reality is that different account types have different rules, and when these aren't aligned with your equity vesting schedule, you might end up in higher tax brackets than necessary.

Read Karl's full analysis to understand how these decisions connect to your broader financial strategy here: https://hubs.ly/Q03z6W_70

Questions about your specific situation? Give us a call—we're here to help you think through the options.

Karl Schwartz, CPA, CFP®, Senior Financial Advisor at Team Hewins, guides executives through 401(k) rollover tax strategy for stock options, RSUs, and equity compensation decisions.