Hassell Wealth Management

Hassell Wealth Management We are a fee-only, fiduciary Registered Investment Advisory firm providing clarity, strategy, and accountability in helping clients meet their goals.

During your working years, a down market can be an opportunity, as you're buying more shares at lower prices.In retireme...
09/03/2026

During your working years, a down market can be an opportunity, as you're buying more shares at lower prices.

In retirement, that dynamic can flip. Selling investments to cover expenses during a downturn can mean selling at depressed prices, leaving less invested to participate in the eventual recovery.

This is sequence-of-returns risk, and it's one of the more overlooked factors in retirement planning. We break down what it is and give tips for managing it.

The “when” of market losses can affect your retirement. Learn how sequence-of-returns risk works and how a financial strategy can help mitigate the impact.

You spent decades funding your 401(k), Roth IRA, and brokerage accounts. Now the question is which ones to draw from fir...
08/24/2026

You spent decades funding your 401(k), Roth IRA, and brokerage accounts. Now the question is which ones to draw from first. The order matters more than you may expect.

The conventional sequence works well for many retirees, but the right approach depends on your unique income picture, tax situation, and goals. A lower-income window in early retirement can open up planning opportunities worth exploring. Every situation is different, and we'll work with you to determine the approach that fits yours.

In this article, we walk through the trade-offs and when mixing and matching can make more sense than a simple rule of thumb.

Learn which retirement accounts to tap first and why the order matters for taxes, longevity, and your overall financial plan.

529 plans, UGMA/UTMAs, and Trump Accounts each do something different. The right choice for your child or grandchild dep...
07/15/2026

529 plans, UGMA/UTMAs, and Trump Accounts each do something different. The right choice for your child or grandchild depends on what you want the money to accomplish. And in many cases, the answer may be a combination rather than a single account.

A 529 is purpose-built for education. The UGMA/UTMA offers the broadest flexibility but no Roth pathway. A Trump Account opens a Roth conversion opportunity at 18 that nothing else can replicate at the same scale. Together, these plans can cover a lot of ground.

We break down what each one is built for and how they may work together.

529 plans, UGMA/UTMA accounts, and Trump Accounts each work differently. Here is how to compare them and choose the right savings vehicle for your child or grandchild.

Your investment portfolio looks healthy. But you need cash, and selling means capital gains taxes and giving up position...
07/06/2026

Your investment portfolio looks healthy. But you need cash, and selling means capital gains taxes and giving up positions you've held for years.

A securities-based line of credit (SBLOC) lets you borrow against your taxable portfolio without liquidating it. Your holdings stay invested. You access the liquidity you need.

There are risks to be aware of, though. A market decline can trigger a maintenance call with a short window to respond, and variable rates can change your borrowing cost over time.

We've put together a plain-language overview of how an SBLOC works, when it can make sense, and the questions worth asking before moving forward:

A securities-based line of credit lets you access cash without selling your investments. Here’s how it works, when it can make sense, and what risks to weigh first.

Your home and auto policies both have liability limits. When a claim exceeds them, the difference comes out of your pock...
06/15/2026

Your home and auto policies both have liability limits. When a claim exceeds them, the difference comes out of your pocket.

Umbrella insurance helps fill that gap. It activates once your existing policy limits are exhausted, typically starting at $1 million in coverage. For many households, that runs less than $400 per year.

It's not coverage reserved for high-net-worth families. If you have assets or income worth protecting, a gap in your coverage is worth knowing about.

Umbrella insurance fills the gap when your home or auto policy limits run out. Learn what it covers, who needs it, and how to get coverage.

The standard Roth IRA limit is $7,500. The mega backdoor Roth can move much more than that into Roth status in a single ...
06/11/2026

The standard Roth IRA limit is $7,500. The mega backdoor Roth can move much more than that into Roth status in a single year.

The strategy works by filling the after-tax bucket in your 401(k), then converting those dollars to a Roth. The conversion is generally tax-free since you already paid tax on the contributions. The key is whether your plan allows it.

We walk through how it works and who qualifies.

The mega backdoor Roth lets high earners move thousands of dollars annually into tax-free Roth accounts. Here is how it works, who qualifies, and what it can mean for your retirement.

Trump Accounts are one of the newest tools in family wealth planning, and most people still don't fully understand them....
05/15/2026

Trump Accounts are one of the newest tools in family wealth planning, and most people still don't fully understand them. Families already have 529s, UTMAs, and custodial accounts, and Trump Accounts do not replace any of them.

What they do add is a Roth conversion pathway that is hard to replicate any other way. A 529 has a provision allowing up to $35,000 to roll into a Roth IRA after 15 years. The UTMA offers no Roth pathway at all. Trump Accounts, at $5,000 per year from birth, could give a young adult significantly more to convert.

The trade-off is flexibility. The funds are locked until 18 and limited to low-cost U.S. equity index funds during that period. Whether that fits your family's situation depends on the full picture.

We lay out the comparison here.

A new tax-advantaged account for children launches July 2026. Here is what Trump Accounts are, how they compare to 529s and UTMAs, and what makes them worth a closer look.

Maybe it's unopened mail on the counter. Maybe it's confusion about a bill they've always handled easily. Maybe it's a q...
05/01/2026

Maybe it's unopened mail on the counter. Maybe it's confusion about a bill they've always handled easily. Maybe it's a question about their will that gets waved off with "we'll figure that out later."

For many adult children, there's a moment when something shifts, and you realize it may be time to talk to your parents about their finances.

It's not an easy conversation to start. But having it while there's time to plan thoughtfully can make a meaningful difference for your parents and your whole family.

Noticing the signs that a parent may need financial support? Here is what to watch for and how to start the conversation.

Most parents know they need to have the estate planning conversation with their family. Where the documents are, who mak...
04/15/2026

Most parents know they need to have the estate planning conversation with their family. Where the documents are, who makes decisions, how assets are divided. But many keep putting it off.

The cost of avoiding it shows up later, when someone is grieving and also trying to figure out who has authority, where the will is, and what Mom or Dad actually wanted. That confusion can stretch out for months and strain family relationships in the process.

The families who have had this conversation often say the same thing: It was easier than they expected, and the relief was immediate.

Most parents know they need to have the estate planning conversation with their adult children. Here is how to prepare and what to cover.

Nobody looks forward to estate planning. But the families who have been through a loss without a clear plan in place wil...
04/06/2026

Nobody looks forward to estate planning. But the families who have been through a loss without a clear plan in place will tell you: The confusion that follows is far worse than the discomfort of the conversation.

A clear estate plan answers the hard questions in advance — who gets what, who makes decisions, and what you actually wanted. For Louisiana families, usufruct and forced heirship laws add considerations many other states don't have.

But the hardest part is starting. And once it's done, people often say the same thing: They wish they had done it sooner.

Clear estate planning is one of the most loving things you can do for your family. Learn what a complete plan includes and what Louisiana families need to know.

Address

300 Lafayette Street Ste 200
Houma, LA
70360

Opening Hours

Monday 7:30am - 4:30pm
Tuesday 7:30am - 4:30pm
Wednesday 7:30am - 4:30pm
Thursday 7:30am - 4:30pm
Friday 7:30am - 4:30pm

Telephone

+19858689881

Website

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