The H Group Salem Blog

Inside the Federal Reserve Board

Brenna Baucum - Wednesday, November 15, 2017

The Federal Reserve Board can seem mysterious. With signs of the stimulus program unwinding and the recent nomination of Jerome Powell to replace Janet Yellen next year as chair of the board, there's renewed interest in unpacking this opaque government entity. Our team of Certified Financial Planners want to share a little education with you this week, reviewing the details of The Federal Reserve Board, committees and what lies ahead with the proposed changes in leadership. Read Entire Article Here

Happy Trails, Ron and Kathy

Brenna Baucum - Thursday, November 09, 2017

For over 35 years, Ron and Kathy Kelemen have worked in the financial advisory business. Last Thursday marked their final day of work as they join several of our client families in retirement. Check out this fun, surprise video our team put together to honor their legacy. Read Entire Article Here

Bitcoins: Should You Use or Invest in Them?

Ron Kelemen - Wednesday, November 01, 2017

As fee-only-Certified Financial Planners, clients often ask us our opinion about various investments. It seems like we get this question every time there is a new investment fad or a new IPO offering. Because we are investment fiduciaries, we always try to provide advice that puts our clients' best interests first.

The problem with new things is that there often isn't enough credible information to offer a recommendation with 100% certainty. This is especially true with cryptocurrencies, such as bitcoins.

 Read Entire Article Here

What Biases Affect Your Financial Decisions?

Ron Kelemen - Wednesday, October 25, 2017

What biases affect your financial decisions? Now that Richard Thaler has won the Nobel Prize in economics for his groundbreaking research in the field of behavioral finance, perhaps we'll all be more aware of our often-flawed decision making.

 Read Entire Article Here

Memories and Lessons from the October 1987 Stock Market Crash

Ron Kelemen - Thursday, October 19, 2017

With the Dow at over a record 23,000, we just passed the 28th anniversary of the October 19, 1987 stock market crash, in which the Dow fell 508 points, or 22.6% in one day. That would be the equivalent of about a 5,000 point drop today! I was a Certified Financial Planner with six years of experience at that time. Those were scary times because the shock came from out of the blue. I can remember it like it was yesterday. Fear and panic were everywhere. We didn’t have a Quotron machine in our office and the Internet didn’t exist then, so one of the most difficult parts was getting timely and reliable information about what was happening. What I most remember was watching the Nightly Business Report and the McNeil-Lehrer News Hour that evening and for the next several evenings afterward. Back then, it was about the only way to get financial information before the next morning’s Wall Street Journal. Read Entire Article Here

1986 + 32 = Tax Reform in 2018?

Brenna Baucum - Friday, October 06, 2017

As fee-only financial advisors, the fall often means some hands on year-end tax planning for our clients. Couple that with recommendations of early filing in the wake of the Equifax data breach and news of a tax reform proposal, and it got us thinking about our tax system. What’s the history behind it and what might be in store moving forward? Read Entire Article Here

Here's Our Take on the Third Quarter of 2017

Ron Kelemen - Monday, October 02, 2017

Every three months, at the end of the calendar quarter, we send an update to our clients. We discuss the economy, the financial markets, our portfolio management, and more. Here's a link to our 2017 Third Quarter Update. In this issue, we go into detail about the Fed and the unwinding of its quantitative easing program. As always, we welcome feedback by phone, email, or in person. Enjoy!  Read Entire Article Here

Identity Crisis

Brenna Baucum - Tuesday, September 26, 2017

If you’ve spent the month of September evaluating your online presence and security measures, you’re not alone. The Equifax data breach has served as an unfortunate reminder of just how public our “private” information is. This breach has also rekindled the scrutiny of Social Security as our defacto national identification system. What are our options?
 Read Entire Article Here

More Tips for Identity Safety

Brenna Baucum - Tuesday, September 19, 2017

Another week has passed since we’ve checked in with you on the Equifax data breach. We hope by now that most of you are starting to feel better about the security measures you have put in place. Aside from the ideas we’ve already discussed in previous blog posts, here are a few more ways to keep yourself and your finances safe: Read Entire Article Here

Update: Equifax Data Breach

Brenna Baucum - Thursday, September 14, 2017

Last Friday, we sent an email to our client families sharing what we knew of the Equifax data breach and a few additional suggestions of what they may want to do to protect their identity during this upsetting time. Since then, we’ve received several questions and wanted to share answers and updates.   Read Entire Article Here





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