Latest Posts

It’s Never Too Late to Save

by Erik Brenner on Jun 17, 2019

Retirement Planning, Financial Education, Savings
At one time, it seemed like a lifetime away, now it may be just around the corner. At one time you planned on working forever, but now you can admit that the thought of retiring has its benefits.  Perhaps you’ve found yourself daydreaming about a little cabin on a lake, or a small home in the mountains. Here are some tips to boost your savings.

Zombie Debt: How to Deal With Old Debt

by Erik Brenner on Jun 10, 2019

Debt, Financial Education, Lifestyle Planning
Zombie debt is old debt that is typically written off as bad debt by the original creditor and then later sold to collection agencies for pennies on the dollar. Most of the debt sold is years old and cannot legally be collected, though many consumers are unaware of the statute of limitations for legal collection of this debt.

Pros and Cons of a Reverse Mortgage

by Erik Brenner on May 28, 2019

Real Estate, Lifestyle Planning, Financial Education
Reverse mortgages have been around for a long time, but in recent years they have become more popular. Though some experts consider a reverse mortgage a last resort of sorts, depending on your own financial situation, a reverse mortgage may be helpful. Contact Hilltop Wealth Solutions if you’d like to discuss your options and plan for a brighter future today.

Financial Missteps of Personal Finance

by Erik Brenner on May 20, 2019

Lifestyle Planning, Debt, Financial Education
Personal finance, like just about everything else, is mainly common sense. Advice like “don’t spend more than you make; start investing while you’re young; don’t loan money to friends with the expectation of getting it back,” have been around for generations, and most likely will survive the next few generations as well. Contact Hilltop Wealth Solutions if you’d like to discuss your options and plan for a brighter future today.

7 Ways to Avoid Bankruptcy

by Erik Brenner on May 13, 2019

Credit, Debt, Risk Management, Lifestyle Planning, Financial Education
In 2018, Americans’ debt hit $13 trillion, with the average American carrying more than $38,000 in debt – not including home mortgages. For many, debt is simply a way of life, with more Americans living from paycheck to paycheck. Contact Hilltop Wealth Solutions if you’d like to discuss your options and plan for a brighter future today.

Are You Ready to Purchase Investment Property?

by Erik Brenner on May 6, 2019

Real Estate, Investing, Financial Education
If you’re looking to diversify your investment portfolio, you may want to consider purchasing investment property. Depending on how hands-on you want to be, you may want to purchase real estate as a short-term investment; fixing up the property and then selling it immediately for profit. For a long-term investment, rental property can provide a steady income stream over the longer term. Feel free to contact a financial professional at Hilltop Wealth Solutions for assistance.

Start Saving for Retirement Today

by erikwbrenner on Apr 25, 2019

Retirement Planning, Savings, Financial Education
Time certainly goes by fast. One day you’re interviewing for your first job and the next thing you know you’re a few short years from applying for Social Security. If you’ve planned for your retirement, you’ll likely have a good stash of funds saved. But the unfortunate news is that according to the Insured Retirement Institute, 42 percent of baby boomers have nothing saved for retirement, and even those that have saved don’t have nearly enough to survive on. If you would like to speak with a financial professional at Hilltop Wealth Solutions, please do not hesitate to get in touch.