At the Hoornstra Financial Group, Ted Hoornstra and his team take a comprehensive approach to planning your financial future.  Part of that may include investing in the stock market, and this may vary with how much risk you're comfortable with.   Today, Ted Hoornstra walks through what he considers a proprietary approach to investing in the stock market.   Also, why which funds you invest in the market matter!

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

Annuities can often be a scary topic, because many people don't understand them. But they can provide income and stability in retirement. Today, Ted Hoornstra breaks down the different types of annuities, and what you can do with them.  

• Fixed Annuities
• Variable Annuities
• Immediate Annuities
• Fixed Index Annuities
• Hybrid Annuities (between fixed index and variable)

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

Estate planning is a crucial part of your overall financial plan.  It ensures your wishes will be respected, and the loved ones you leave behind will be taken care of.  There are six aspects of estate planning, broken into two groups.  Ted Hoornstra breaks them down today.

Financial Side:

• Trust
• Will
• Power of Attorney

Health Side:

• Health Care Surrogate
• Living Will
• Return To Home Documents

Ted explains how the Hoornstra Financial Group connects you with resources to get these documents done.  And he also shares some horror stories from those who didn't make these preparations ahead of time.

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

Life insurance and long term care can be an important part of your overall investment strategy. 

Long term care coverage has changed significantly over the years as health care costs have skyrocketed.

Ted also breaks down  different types of life insurance, including term, whole life, universal life, and long term care riders. 78% of us will need some sort of care in our lifetimes!

Ted also explains the new trend of paying for your entire premium up front, so you don't have to worry about paying in during retirement.

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

Many of our clients and listeners have questions about Bitcoin and Cryptocurrency.  Today, Ted Hoornstra from the Hoornstra Financial Group and Concord Advisors walks us through Bitcoin.

We start with the Ted's interaction with some of Bitcoin's founders, and walk through the extreme volatility and risk of Bitcoin and other Cryptocurrency.   Ted explains what place he thinks it should have in your portfolio, and where he thinks this new currency is headed.

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

In recent weeks, Ted Hoornstra keeps getting the same question from his clients. "What does the blue wave mean for my money and my future?"

Today, Ted and Jon break down what the Democrats' control of the White House and Congress could mean, both short and long term.  This includes a look at income tax, capital gains tax, and inheritance tax - and why it might be a good idea to make moves now, in 2021.

If you need help with your financial future - reach out to Ted at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

(727) 498-8828

With the new year (finally) upon us, Ted Hoornstra and Jon Gay are back to check in on where we were, where we're at, and where we're going.

We first do a quick update on families - the two and four-legged members.  We also check in on the political world, with the Presidency decided and the Senate about to be (as of this recording). Once that's settled, we can begin thinking about 2021.  No matter what, priority #1 will be dealing with the pandemic.

Despite the upheaval of our lives in 2020, analyst's predictions for market growth were largely accurate, and they are predicting the same for 2021, with, as Ted points out - a few asterisks.

Interest rates are at historic lows. With another stimulus package going out, what will the government's debt mean for the economy and markets?

The COVID-19 vaccines. The market looks to the future, not the present. How will the vaccine rollout affect outlook?

How has the coronavirus affected the way we invest?  A shift in technology was sped up by the pandemic. Do we need to focus more on individual funds than larger indexes?

As you look toward you financial future, think about safe money vs growth money. What kind of income will you need going forward?

If you need help with your financial future - reach out to Ted or Robert at the Hoornstra Financial Group.

http://www.hfg411.com/

ted@hfg411.com

robert@hfg411.com

(727) 498-8828

Today, Ted Hoornstra introduces us to Robert Thigpen.  Robbie takes our clients through the onboarding process, and he explains what to expect when you meet the Hoornstra Financial Group - it's a process that includes:

• Getting To Know You
• Consolidation
• Evaluating Options
• Implementation
• Evaluation and Rebalancing
• Managing Your Expectations

The entire process takes into account your individual circumstances, not a cookie cutter approach.

For more info on the Concord Advisors and the Financial Group:

Call: 727-498-8828

Or visit them online: http://www.hfg411.com/