Hussmen Financial

Hussmen Financial We are a small, fee only financial planning and wealth management firm based in Midlothian VA.

National College Financial Prep Week is the perfect time to review your college savings strategy. Here are a few points ...
01/29/2026

National College Financial Prep Week is the perfect time to review your college savings strategy. Here are a few points to consider:

✅A 529 Plan offers tax-advantaged growth and can be used for qualified education expenses like tuition, fees, and even some K–12 costs.

✅Recently, 529 plans were updated under the SECURE 2.0 act to include the ability to roll unused funds into a Roth IRA. However, there are several important limitations to be aware of.

✅ If a 529 plan isn’t right for you, you have other options like Coverdell ESAs or custodial accounts (UGMAs/UTMAs).

✅The best plan for you and your student depends on your goals, timeline, and tax picture.

Regardless of which plan you pick, you’ll want to start early, even with small contributions.

Regular contributions combined with compound growth can make a big impact on a college savings plan.

If you want to review your options, give us a call. We are here as a resource.

Financial wellness isn’t just about the future; it’s also about feeling secure in the present. In recognition of Financi...
01/27/2026

Financial wellness isn’t just about the future; it’s also about feeling secure in the present. In recognition of Financial Wellness Month, consider these benefits that are gaining traction:

✅Retirement planning education - It’s not enough to offer a 401(k) — employees need to understand how to use it. Providing financial literacy workshops or digital education on contribution strategies, compounding, and investment basics builds confidence and long-term participation.

✅Student loan repayment assistance - With new legislation allowing employer-matching contributions for student loan payments, helping employees pay down student loan debt while saving for retirement has never been easier — or more appreciated.

If you’re interested in integrating these benefits into your business’s financial strategy, give us a call today.

In recognition of Financial Wellness Month, it’s a great time to explore the benefits that can help support your employe...
01/22/2026

In recognition of Financial Wellness Month, it’s a great time to explore the benefits that can help support your employees’ financial needs.

Here are two impactful options that work to support employees:

✅Earned wage access - Life doesn’t wait until payday. Giving employees the option to access a portion of their earned wages early can help them handle emergencies without turning to costly alternatives.

✅Emergency savings accounts - Many workers lack a financial cushion for unexpected expenses. Employer-sponsored savings options — especially those with auto-enrollment or matching — can help employees build resilience and avoid high-interest loans.

If you’re interested in learning more about these benefits or introducing them into your benefits package, give us a call.

Today, we’re sharing new and old 401(k) rules that you can use to help improve participation, take advantage of tax cred...
01/20/2026

Today, we’re sharing new and old 401(k) rules that you can use to help improve participation, take advantage of tax credits, and make retirement benefits work harder for your team.

Need help putting a plan in place? Give us a call, and we can talk about next steps.

As we honor Martin Luther King Jr. Day on January 19th, we wanted to take a moment to share some of our favorite account...
01/19/2026

As we honor Martin Luther King Jr. Day on January 19th, we wanted to take a moment to share some of our favorite accounts of Dr. King’s life and legacy:

🔵"My Life with Martin Luther King, Jr." by Coretta Scott King
🔵"King: A Life" by Jonathan Eig
🔵"The Autobiography of Martin Luther King, Jr." edited by Clayborne Carson

If you’re looking for more ways to honor the day, you can visit thekingcenter.org for ideas, events, and resources.

Please note that in honor of the holiday, our office is closed on Monday, January 19th. We’ll be back on Tuesday, January 20th, and look forward to connecting with you then.

With tax laws shifting and retirement planning top of mind for many, we are sharing an overview of Roth conversions. Swi...
01/15/2026

With tax laws shifting and retirement planning top of mind for many, we are sharing an overview of Roth conversions. Swipe through to learn more.

Want to talk through incorporating Roth IRAs and conversion into your financial plan? Give us a call today to get started.

If you’re thinking about retirement, you might be considering Social Security benefits as part of your plan. But you mig...
01/15/2026

If you’re thinking about retirement, you might be considering Social Security benefits as part of your plan. But you might not realize that you could be preparing now to help increase your benefit later.

Here are some key Social Security strategies that could help maximize your benefit more — and bring you greater peace of mind down the road:

✅ Work at least 35 years - Social Security is based on your 35 highest-earning years. If you’re only a few years off of this target, you may want to consider working until you hit the 35-year mark.

✅ Consider additional earning opportunities - Raises, promotions, or side gigs that increase your income can count toward a higher future benefit.

✅ Check your earnings record - Errors or missing income can shrink your future payments. Review and correct them through your My Social Security account.

✅ Wait until full retirement age - Claiming Social Security benefits early can reduce your monthly amount for life. Waiting until your full retirement age can pay off.

✅ Consider delaying benefits - For every year you delay past your full retirement age, your benefit increases. Depending on your personal health and financial needs, delaying your Social Security benefits can help you earn more as you age.

While these strategies may work for some, it’s important to discuss the best approach for your unique situation with a financial advisor.

That’s where we come in. Give us a call today, and we can discuss a holistic wealth management strategy that considers current needs and future goals.

To start the new year off with some positivity, we’re sharing a heartwarming story from Victoria, Australia, where a gol...
01/13/2026

To start the new year off with some positivity, we’re sharing a heartwarming story from Victoria, Australia, where a golden retriever named Denni surprised her owner by offering an unlikely ride to a baby koala.

Upon hearing some commotion in the yard, Denni’s owner, Steve, stepped outside to find the young joey clinging to Denni’s back, perfectly content. It’s believed the koala had fallen from a nearby tree, and Denni instinctively offered comfort and support.

After a brief adventure around the backyard, Steve carefully returned the baby to a nearby tree, where its mother later came back to retrieve it. A simple gesture from one animal to another, but one that continues to bring smiles around the world.

Read the full story here: https://www.goodnewsnetwork.org/guy-was-shocked-to-find-his-dog-giving-a-baby-koala-a-piggyback-ride/

Financial stress can easily carry into the workplace, affecting focus, productivity, and overall well-being. This Financ...
01/13/2026

Financial stress can easily carry into the workplace, affecting focus, productivity, and overall well-being. This Financial Wellness Month is a good time to consider how your organization is helping employees feel more confident about their finances.

Here are two tools that can make a meaningful impact:

✅Budgeting tools - Guided platforms that track spending, categorize expenses, and help employees build realistic savings goals. These tools give employees more control and more peace of mind.

✅One-on-one financial coaching - Personalized support from a financial expert can help employees tackle what matters most to them, whether that’s managing debt, planning a major purchase, or building credit.

Interested in these or other financial benefits? Give us a call today.

As year’s end fast approaches, now is the perfect time to check in on your business finances before tax season throws a ...
12/29/2025

As year’s end fast approaches, now is the perfect time to check in on your business finances before tax season throws a curveball. Many business owners wait too long, only to face penalties, missed deductions, or surprise tax bills.

Swipe for key considerations. And reach out today to schedule some time to discuss year-end prep. We’re here to help.

12/24/2025

As Christmas arrives, we’re reminded of the importance of slowing down and appreciating the people we’ve had the privilege of working with and supporting. That said, we’re truly grateful for your trust and partnership this time of year and always.

Our office will be closed Wednesday, December 24th, through Friday, December 26th, allowing our team to spend the holiday with their loved ones. We’ll get back to you as soon as we return.

Wishing you a joyful and restful Christmas, surrounded by the people who matter most.

Small group health insurance plans are designed specifically for businesses with as few as two employees (including the ...
12/23/2025

Small group health insurance plans are designed specifically for businesses with as few as two employees (including the owner) to those with up to 50 employees — and they can be a smart way to support both your team and your bottom line.

Here’s why small group benefits are worth exploring:

✅ Lower costs compared to individual plans
✅ More competitive, comprehensive coverage
✅ Potential tax perks (including up to a 50% tax credit for eligible employers)
✅ Happier, healthier employees who feel valued

If you’re a small business owner or part of a team that might qualify, now’s a great time to explore your options. Give us a call today. We’d be happy to help you compare plans and find the right fit for your team.

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14321 Winter Breeze Drive Suite 184
Midlothian, VA
23113

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm

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