David A. Hammer, Financial Planner

09/03/2026

The Treasury yield is spiking, and the market is signaling a major problem. When short-term interest rates are higher than long-term rates, it typically means a recession is on the horizon. Understanding these signals is key.

09/03/2026

The Treasury yield is spiking, and the market is signaling a major problem. When short-term interest rates are higher than long-term rates, it typically means a recession is on the horizon. Understanding these signals is key.

08/31/2026

Think of retirement planning like a Swiss Army knife. You have different tools for different needs – a corkscrew, a small knife, a bottle opener. It's all about the options and the flexibility available to you.

08/27/2026

Interest rates on 30-year Treasuries have surged from 1% before COVID to 5.3%. This signals the bond market's distrust in the US economy's stability, impacting its role as a safe haven. Investors demand higher rates to bet on the US.

08/26/2026

Bond yields are skyrocketing, and the Fed is in emergency action, yet nothing seems to work. Once a safe haven, US Treasuries now reflect deep uncertainty about the economy. Investors demand higher rates for betting on America.

08/13/2026

Money sitting in old 401(k)s or IRAs has a silent partner: the IRS. At some point, Uncle Sam will ask for his piece of the pie. Understand the implications of tax-advantaged accounts.

08/10/2026

Continuously educate clients between interactions. Set expectations for regular video updates. Understand their learning style (auditory/visual) and provide tailored snippets to keep them invested. This ensures buy-in and active participation in the process.

08/07/2026

07/03/2026

Fear hold us back, but stepping past it unlocks incredible personal growth. Take that leap, like jumping into a lake despite the fears. Unexpected glory can happen in a flash. All great achievements lie just beyond the fear.

07/02/2026

When you assign a policy to an institution, they dictate the payment terms. This means giving up control, which is the opposite of becoming your own banker. It's not the right way to secure additional capital.