Hungerford Financial

As tax season continues, we want to remind you of a few key deadlines: ??Individual Tax Deadline: Tuesday, April 15th ??C Corporation Tax Deadline: Tuesday, April 15th ??S Corporation & Partnership Tax Deadline: March 17th for calendar-year businesses. Fiscal-year businesses should file by the 15th day of the third month following the end of their tax year. If you haven’t contacted us yet, now's the time! Starting early ensures a smooth, stress-free process. Feel free to reply or give us a call — our team is here to guide you every step of the way.

As we celebrate St. Patrick's Day on March 17, it’s the perfect time to talk about luck — especially when it comes to investing. Relying on "luck" in the stock market may seem tempting, but it’s highly risky and rarely successful. Swipe through to learn more. If you're looking to make informed investment decisions, reach out to our team for guidance. We are here to help!

Do you have your bracket handy? No, we’re not talking about those of the sports variety! Instead, we’re referring to 2025 tax brackets, an important aspect of your financial strategy for the year. Read the graphic to find your expected tax bracket, and feel free to save this post for future reference. As always, if we can be of help, don’t hesitate to give the office a call.

February brought warm inflation readings and continuing tariff discussions, contributing to economic uncertainty and market volatility. Swipe through for more insights, and reach out to our team with any questions or needs. We are always here as a resource for you.

Reminder: Daylight Saving Time kicks in this Sunday, March 9. If you’re feeling off on Monday, blame it on Daylight Saving — it’s the perfect excuse for a slow start. And the good news? Brighter evenings are just around the corner! Comment the correlating emoji below to let us know how you’re feeling about the time change: ?? Team: I can’t wait for longer days! ?? Team: I’m not ready to donate an hour of sleep. As we spring forward, don’t forget that our team is here if you need anything. Let’s make this season a great one!

Allowing employees to roll over their 401(k) savings into your company’s retirement plan doesn’t just help them — it can also provide financial advantages for your business. Swipe through to learn more. Want to maximize the benefits of your 401(k) plan? Contact our team today to learn more.

Given the level of inflation Americans experienced in the previous few years, it's no shock that 56% of American households have been in credit card debt for at least a year. Moreover, with three out of five Americans living paycheck-to-paycheck, the financial challenges for many families are mounting. The good news for Americans in this situation: there are practical steps to mitigate the financial strain and prepare for a more stable future. We’re sharing five such steps today. As always, if you have any questions about financial health or planning, do not hesitate to reach out. We are here to help.

Entering a new phase of life can be scary on its own, but the prospect of no longer earning steady wages can make retirement a particularly tough decision ?? The good news is that there are some signs that you are financially ready to retire. Take a look at four key ones below. 1?? You are debt-free. You want to pay off debt during your working years, not when you’re on a fixed income. Prioritize debt payoff ahead of retirement. 2?? You have enough saved. You’ll generally want at least 70% to 80% of your pre-retirement income. 3?? Determine a retirement budget. Confirm how much you’ll need (and whether you have enough) by creating a retirement budget–be sure to consider travel plans, etc. 4?? You have reviewed your portfolio. Take a look at your current investments and plan ahead. Often, your portfolio will need to be more conservative in retirement. Ultimately, if you’re thinking of retiring, it’s a good idea to talk to a financial advisor well ahead of time so that you can enjoy retirement to its fullest ?? On that note, what are you looking forward to most during retirement? Share in the comments below ??

Does the word “beneficiaries” have you saying, “bena-who?” Good news–this post is for you ?? (We promise we didn’t intend for that to rhyme) Here are four fast facts about this important part of estate planning: 1?? A beneficiary is the person, people, or entity/entities you name to inherit what you leave behind. 2?? Beneficiaries don’t have to be people. Many wills and trusts name charities or organizations as beneficiaries. 3?? Good questions to ask include: Does anyone depend on you financially? Are you married? Do you have children? All of these may influence your beneficiary choices. 4?? Keep in mind that for some assets, there are two types. A primary beneficiary is the person first in line to receive the benefit. A contingent beneficiary is a backup if your primary beneficiary is no longer alive. Got questions? Drop them in the comments or give us a call. We’re here to help.

Our team understands the complexities and emotions involved in planning for an anticipated inheritance. That’s why we have compiled a list of considerations to keep in mind if you have a potential inheritance. Swipe through to learn more. And, as always, know that our team is here to guide you every step of the way. Reach out anytime.