Is your Identity Safe?

Is your Identity Safe?

Identity Theft: What to know and what to do.

What is Identity Theft?

Identity theft happens when someone steals your personal information and uses it without your permission.

Identity theft is a serious crime. It can disrupt your finances, credit history, and reputation. If identity theft happens to you, it can take time, money, and patience to resolve.

Identity thieves might:

Are You Normal?

Are You Normal?

In a recent conversation with a couple in their 60s, we were discussing their retirement plans, income needs and retirement account balances when they asked an interesting question: “Are we normal?”

I clarified the question and found out what they meant: Does our current financial situation look like most 60+ year olds getting ready for retirement?

What to Expect From a Trustee

What to Expect From a Trustee

What would you do?  Expectations of a Trustee.

If you are personally named a trustee, what would you do?  If you are a trust beneficiary, do you know what you expect the trustee to do?  

When a trustee is named and accepts the responsibility, there are several duties to perform.  These duties are owed exclusively to the beneficiaries of the trust.

What is a Trust?

What is a Trust?

In January 2016 Haberling Financial Group merged its wealth management business with a newly-formed subsidiary of Community First Bank. The subsidiary became a trust company chartered by the State of Washington. Haberling Financial Group is now known as HFG Trust. 

Current Shiller Ratio

Current Shiller Ratio

At HFG, we have spoken extensively about the valuation metric known as the P/E Ratio. This is simply a multiple that compares price with earnings value not dissimilar to real estate metrics like price to square footage. 

On September 9, 2015 the C.A.P.E. had a reading of 24.62.   This is still above average and has been higher in only two other occurrences.  Those are, the Dot.com bubble and Black Tuesday of 1929.  We believe this metric should be monitored periodically as it provides good insight into the current investment climate we are in.

Why do we own stocks when the market declines in value?

Why do we own stocks when the market declines in value?

At Haberling Financial Group, we have reduced equity allocations to historic lows.   Our model portfolios hold the least amount of equities than ever before.  We are able to compare expected returns going forward and can show that now is the time to be underweight in equities.  That does not mean we want to be out of equities completely, therefore we will have some account statements that show a decline of value

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