Will Hess - The Friendly Finance Guy

08/27/2026

THINGS FUTURE YOU WILL THANK YOU FOR

Roth Retirement Accounts-
Pay taxes today. Build a source of potentially tax free retirement income for tomorrow.

Investing in Stocks While You’re Young-
Giving a diversified, stock focused ETF decades to compound can be more powerful than trying to find the “perfect” time to invest.

Long-Term Care Planning-
Put a plan in place before you need care when you still have more options for protecting your assets and family.

Building Cash Value in Whole Life Insurance-
A properly structured whole life policy can build guaranteed cash value over time while providing permanent life insurance protection.

A Health Care Proxy-
Decide today who can make medical decisions for you if someday you can't make them yourself.

08/20/2026

What a job provides
vs
What you should consider setting up

Work will usually provide:
Health, Dental, Vision Insurance
Limited life insurance (1-3x your salary)
Traditional or Roth 401k or 403b
Some form of employer match (free money)
Some jobs might not offer a match, but will usually offer a pension of deferred comp

Things to consider setting up on your own:
Emergency savings
Roth IRA (individual retirement account)
Personal Life insurance
Non-retirement investing

07/30/2026

Put your money in...

Roth IRA/401K - want to invest for retirement and not pay taxes on it later

Traditional IRA/401K - want to invest for retirement and get a tax break now

Taxable Brokerage - Want to invest more beyond retirement accounts, or want the money before retirement

High Yield Savings Account - If you want to earn something on your emergency fund, or other short term savings

Checking Account - Money to cover one month of expenses plus a little buffer

Whats the money for?

Investing:
-Roth IRA/401k
-Traditional IRA/401K
-Taxable coverage

Saving:
-HYSA

Spending:
-Checking

06/19/2026

Brokerage vs 401k vs Roth IRA

Some commonly used terms and accounts.

unfortunately most people don't get a chance to be educated thoroughly in the differences.

In a perfect world, using all three efficiently leads to the best retirement outlook

Stay educated! Stay friendly!

06/01/2026

Advisor during the week

Aging semi pro football player during the weekend

Protecting Clients, Quarterbacks, Running backs and Crazy Daughters 24/7

05/08/2026

05/06/2026

knowledge will always be power!

unfortunately a majority of us were taught all about mitochondria and Pythagorean theory

not key financial terms and strategies that we need in our adult lives

people in the industry - what other terms did you wish were common knowledge?

everyone else - what terms do you regularly hear and think "what the heck does that mean?

05/04/2026

Let's be Incredible today!

04/27/2026

Do you have your financial shaker cup?

A shaker cup on its own doesn't do anything.

but it's perfect for holding protein, pre workout, water, electrolytes, heck even salad dressing

a brokerage account is the same thing. your financial shaker cup

it's a powerful container that can hold investments, retirement accounts, savings, or cash.

if you don't know how to start your financial future, a brokerage account is a great first step

04/20/2026

 Meet Nate (Owner + Master Electrician)

Nate started Premier Electric because he believes every home and business deserves electrical work thats safe, clean, and built to last.

He personally handles every estimate, oversees every job, and wont sign off until the work is right. The kind of electrician who geeks out over clean panel work and tight conduit bends.

When hes off the clock, hes chasing his two kids around, out on the golf course, or somewhere in the woods.

Need help in Rochester or Monroe County?

d Call/Text: (585) 371-8893
 [email protected]
 https://premier-electric.sintra.site/contact