Hohenshell Financial

09/22/2025

Honor to sponsor the Friends Of The Garden!

🌼✌️ A big groovy THANK YOU to our far-out sponsors for powering up Flower Power – A Garden Gala! 🌸✨ Your support helps us keep the gardens blooming and makes this night of peace, love, and giving possible. We couldn’t do it without you! 💚🌿

Visit friendsofthegarden.org for more information!

09/04/2025

Private equity is starting to show up in 401(k) plans.

That’s a big shift—and one a lot of folks didn’t see coming.

A recent study found that 45% of retirement plan participants would invest in private markets if given the chance, but only 12% say they truly understand those investments¹.

That gap between access and understanding can be risky.

We’ve seen this before—crypto, meme stocks, tech bubbles. The more opaque something is, the more careful retirement savers need to tread.

Just because your plan offers private equity doesn’t mean it’s right for your portfolio.

What do you think?

Would you consider allocating a portion of your 401(k) to private equity, even if you didn’t fully understand how it works?

Option 1: Yes, if it can be offered within a plan, I’m sure it’s fine.

Option 2: No, I would never select an investment if I didn’t understand it.

Option 3: Yes, if my advisor recommends it, I would allocate to the fund even if I didn’t understand it.


¹ money.com

06/02/2025

Work-life balance is key to a happy and fulfilling life. If you’re able to, take advantage of today to spend more time doing what you love. Whether it’s with family, friends, or just taking time for yourself, it’s the small moments that truly matter.

05/27/2025

Happy National Sunscreen Day! Just like sunscreen protects your skin from harmful rays, a solid financial plan protects your future from unexpected challenges. Taking small steps today can help you enjoy the brighter days ahead with confidence and peace of mind. At Hohenshell Financial, we’re here to help you plan for a secure and sunny future.

05/23/2025

Have you heard about Required Minimum Distributions (RMDs)?

An RMD is the minimum amount you must withdraw each year from certain retirement accounts, like traditional IRAs or employer-sponsored retirement plans, starting at a specific age. When do they begin? Typically, you need to start taking RMDs by April 1 of the year following the year you reach age 73 (as of current IRS rules). After the first RMD, withdrawals must happen by December 31 each year. Why plan early?

✅ Early planning can help you strategically manage your tax burden.
✅ Knowing how RMDs could affect your taxes and retirement income allows you to maximize savings.
✅ Understanding RMD rules early can provide more options for managing your retirement accounts effectively.

Thinking about your retirement strategy? A financial professional can help you plan ahead, potentially enhancing your savings and retirement experience. #417

05/16/2025

Thinking about your future tax bill in retirement? A Roth IRA conversion might be worth exploring. 🧠

💰 A Roth conversion lets you move pre-tax retirement savings—like those in a traditional IRA, SEP IRA, or old 401(k)—into a Roth IRA. You’ll pay taxes on the converted amount now, but qualified withdrawals down the road could be tax-free.

So why consider this? Because it’s not just about how much you have saved, but how much you keep after taxes.

Here’s a simple way to think about it: Would you rather pay taxes on the seed or the harvest? With Roth conversions, you’re choosing to pay on the seed (now), not the harvest (later). But—it’s not for everyone. Timing, income, and your future tax bracket all matter. A thoughtful strategy is key. 📊

Have questions about whether a Roth conversion fits into your retirement plan? Schedule a free discovery session: https://hohenshellfinancial.com/financialplanningbooking

05/09/2025

Ever wonder what a Target-Date Fund is and if it's right for you?

A Target-Date Fund simplifies retirement investing by adjusting your portfolio's asset allocation based on your anticipated retirement year (the "target date"). You select a fund labeled with the year closest to when you plan to retire—for example, 2045 if you plan to retire around that time. This fund then follows a predetermined "glide path," shifting gradually from riskier, growth-oriented investments like stocks to more conservative assets like bonds as the target date approaches.
👍 Pros:
• Simple, hands-off investing
• Built-in diversification
• Professional management
• Potentially beneficial tax implications (within tax-advantaged accounts)
⚠️ Cons:
• Limited personalization
• Fees may vary
• Returns aren't guaranteed
• May become overly conservative too early, potentially limiting growth
• May not be aggressive enough in early investment stages
🔍 Who It's Right For:
• Investors seeking simplicity and convenience
• Individuals unsure of how to manage investments on their own
• Those who prefer professional, automatic adjustments over time
🚫 Who It's Wrong For:
• Investors desiring highly customized investment strategies
• Individuals comfortable actively managing their own investments
• Those seeking potentially higher growth through aggressive, self-directed strategies

Considering Target-Date Funds? Let's discuss if they could fit your retirement strategy.

05/01/2025

Happy World Password Day! Protecting your digital assets is just as important as securing your financial future. Today, take a moment to strengthen your passwords and review your online security practices.

04/29/2025

💳 That “low” credit card balance could cost you thousands over time.

Example: A $5,000 balance at 18% interest takes 22 years to pay off with minimum payments!

✅ How to tackle debt fast:
✔ Pay more than the minimum—even $50 extra helps
✔ Focus on high-interest debt first
✔ Consider a balance transfer for lower interest

📌 The less you owe, the more freedom you gain.

💬 What’s your best strategy for paying off debt? Let’s share tips! 👇
#417

04/24/2025

💪 Financial independence means having choices, freedom, and security.

✅ 3 ways to start today:
✔ Live below your means—spend less than you earn
✔ Prioritize investing—let your money grow for you
✔ Avoid lifestyle inflation—don’t upgrade every time you get a raise

📌 Independence isn’t about how much you make—it’s about how you manage what you have.

💬 What does financial independence mean to you? Share below! 👇
#417

04/22/2025

💡 Relying on one paycheck is risky—diversify your income!

✅ Ways to add new income streams:
✔ Side hustle: Freelance, consulting, or e-commerce
✔ Passive income: Rental properties, dividends, or royalties
✔ Investing: Stocks, REITs, and other assets that grow over time

📌 Building wealth isn’t just about earning more—it’s about making your money work for you.

💬 Do you have more than one source of income? Let’s discuss! 👇
#417

04/17/2025

🚨 Myth: “I don’t make enough money to invest.”
✅ Truth: You can start investing with as little as $1.

🚨 Myth: “Investing is too risky.”
✅ Truth: Leaving money in savings loses value to inflation over time.

🚨 Myth: “I’ll just rely on Social Security.”
✅ Truth: The average Social Security benefit replaces only 40% of income.

📌 Don’t let myths keep you from building wealth. Small steps today = big rewards later.

💬 What’s a money myth you used to believe? Let’s debunk them together! 👇
#417