Hussam Amer - Northwestern Mutual

03/30/2025

Your legacy is about more than just transferring wealth. It’s about helping your heirs carry on what’s important to you. Follow these steps and reach out to me to get started.

03/28/2025

A potential client recently asked me: "Why are we talking about disability insurance and life insurance? How does this apply to financial planning?"

Here’s why:

Income Protection: Disability insurance ensures you continue to receive income if you’re unable to work due to illness or injury. It safeguards your financial stability.

Family Security: Life insurance provides financial support to your loved ones in the event of your untimely death, ensuring they can maintain their standard of living.

Debt Management: Both types of insurance can help cover debts and other financial obligations, preventing your family from facing financial hardships.

Long-Term Goals: Protecting your income and providing for your family are crucial steps in achieving long-term financial goals, such as retirement savings and wealth accumulation.

Financial planning isn't just about investing and retirement planning. I wouldn't be doing my job if I did not bring up these topics.

03/28/2025

Many investors stick to what they know—mostly U.S. stocks. But that could mean missing out on growth opportunities and increasing risk.

Here’s why global diversification matters:

🌍 Different economies = different growth cycles – The U.S. won’t always be the top performer. Some years, international markets lead.

📉 Lower overall risk – A globally diversified portfolio smooths out volatility.

📊 Expanding investment opportunities – The U.S. makes up ~60% of the global stock market. Ignoring international stocks means limiting your potential.

Historically, U.S. and international stocks take turns outperforming. From 1970 to today, non-U.S. stocks have led in nearly half of those years.

Smart investors don’t put all their eggs in one basket—or one country.

A well-balanced portfolio includes U.S. and international exposure to help maximize growth and manage risk.

03/27/2025

The dream job does exist, and I’d be happy to tell you more about it.

03/26/2025

Risk isn't just the stock market dropping 25%. Risk is:

A disability

The death of a spouse

No Emergency fund

Avoiding investing

Panic Selling

A job loss

03/26/2025

Mona Lisa may not have had a better way to money, but I imagine if she did, her portrait would’ve looked like this. Luckily, you have a better way to money. Reach out and let’s talk about it.

03/26/2025

Millions of Americans are about to receive bigger Social Security checks—and you may have to take action to get it.

Certain government workers and others who have had benefits reduced will have more money coming their way.

03/25/2025

Chief Investment Officer Brent Schutte discusses how tariff uncertainty is weighing on the Fed and what it may take for volatility to subside.

Uncertainty over tariffs muddies the picture for investors and the Fed. What’s the best way to react?

03/21/2025

Happy Match Day, doctors-to-be! Your next chapter is about to begin. Let’s make sure your ability to earn is as secure as your residency placement.

03/19/2025

What To Do When the Stock Market Is Down?

Market downturns can be unsettling, but they are also opportunities to strategize and optimize your financial plan. Here’s how I would navigate the turbulence:

1. Stay Calm and Avoid Panic Selling: Emotional decisions can be costly. Remember, downturns are temporary.

2. Tax-Loss Harvesting: Sell investments a non-qualified accounts that are down to offset gains elsewhere in your portfolio, potentially reducing your tax bill.

3. Roth Conversions: Consider converting a traditional IRA to a Roth IRA. Lower market values mean potentially lower taxes on the conversion.

4. Gifting for Estate Planning: Down markets can be an advantageous time to gift investments, as the lower value can minimize gift taxes.

5. Buying More: Down markets can offer opportunities to buy quality stocks at lower prices, setting the stage for future gains.

6. Rebalancing The Portfolio: Adjusting asset allocation to maintain your desired risk level. This might mean buying into underperforming asset classes and selling those that have held up better.

03/19/2025

You pay attention to your driving blind spots, I’m here to help you pay attention to your financial ones.

03/19/2025

Working for yourself, setting your own hours, building your own clientele — this job sounds like a slam dunk. I would know. Reach out if you’d like to be a game changer.