HB Financial Resources

HB Financial Resources At HB Financial Resources, we understand that retirees face many important decisions that can affect their long-term financial success. Member FINRA/SIPC.

Some of these decisions revolve around making investments that will help create a hedge against outliving their income, the impact of inflation, taxation, and rising healthcare costs. Because over ninety percent of our clients are retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill. We offer clients complete investment planning utilizing stocks, bonds, mutual funds, IRA(s), 401(k)s, SEP's, tax planning, as well as, life insurance and long-term health care insurance. Through strategic alliances with other professionals, we can refer our clients to companies that offer fee-based Asset Management.

4520 Mint Hill Village Lane Suite 106 | Mint Hill, NC | 28227

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer. finra.org sipc.org. Third-party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Where there's a will there's a way. Don't leave your estate unattended—update your documents.
09/25/2026

Where there's a will there's a way. Don't leave your estate unattended—update your documents.

Sound estate management includes creating financial and healthcare documents. Here's an inside look.

🛠️ The richest person in your town probably isn't a tech founder or someone in finance. It's more likely the dentist run...
09/23/2026

🛠️ The richest person in your town probably isn't a tech founder or someone in finance. It's more likely the dentist running four offices, or the owner of the HVAC company whose trucks are everywhere.

New research from economists Owen Zidar and Eric Zwick, based on IRS and Treasury data, found nearly 5 million U.S. households worth at least $5 million, holding combined wealth more than 13 times that of the Forbes 400.

A few patterns stood out:
➡️Most started their business themselves rather than inheriting it
➡️Most run ordinary, brick-and-mortar businesses rather than tech or finance
➡️Independence mattered more to them early on than getting rich ever did

🌭 Case in point: Dick Portillo started a hot dog stand in 1963 with just $1,100. Decades later, he sold the business he'd built for $1 billion.

Building wealth often looks much more ordinary and attainable than the headlines suggest. If growing or eventually stepping back from a business is part of your picture, that's worth talking through together.

Getting rich in the U.S. is still possible, but the most common path to wealth doesn't involve working for other people, according to a new book.

Lifestyle inflation can be the enemy of wealth building.
09/23/2026

Lifestyle inflation can be the enemy of wealth building.

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

Did you know part of your Social Security benefit could be taxable? See how much may be subject to federal income tax ba...
09/21/2026

Did you know part of your Social Security benefit could be taxable? See how much may be subject to federal income tax based on your income level.

Estimate how much of your Social Security benefit may be subject to federal income tax.

What should you look for in a personal finance app?
09/18/2026

What should you look for in a personal finance app?

An increasing number have been developed to help individuals with their personal finances.

🗞️ Treasury made an unusually large move to calm a shaky corner of the bond market.On September 10, the Treasury bought ...
09/16/2026

🗞️ Treasury made an unusually large move to calm a shaky corner of the bond market.

On September 10, the Treasury bought back up to $6 billion in 10- and 20-year notes, up from its typical $2 billion operation. Despite the move, yields kept climbing: the 10-year note reached 4.841%, the 20-year hit 5.314%, and the 30-year climbed to 5.307%, levels not seen since before the 2008 financial crisis.

🛢️ The pressure isn't coming from one place. Government debt has grown, tariffs and geopolitical tension have kept inflation concerns alive, and oil prices have climbed back above $100 a barrel.

Higher Treasury yields don't stay contained to the bond market. They tend to show up in mortgage rates 🏠, auto loans, and credit cards, which is why moves like this are worth watching even if bonds aren't something you follow day to day.

The much-anticipated announcement triples the normal buyback operation and follows an announcement from Treasury Secretary Scott Bessent.

Your insurance needs don’t stay the same when the nest empties, but what changes?
09/16/2026

Your insurance needs don’t stay the same when the nest empties, but what changes?

Do your insurance needs stay the same when the nest empties?

How will your investments weather the ups and downs of the business cycle?
09/14/2026

How will your investments weather the ups and downs of the business cycle?

How will you weather the ups and downs of the business cycle?

The stock market has a long and storied history, from the Dutch East India Company to Wall St.
09/11/2026

The stock market has a long and storied history, from the Dutch East India Company to Wall St.

From the Dutch East India Company to Wall St., the stock market has a long and storied history.

🏠 Higher mortgage rates are pushing some homebuyers to look for lower-cost alternatives.The average rate for a 30-year f...
09/09/2026

🏠 Higher mortgage rates are pushing some homebuyers to look for lower-cost alternatives.

The average rate for a 30-year fixed mortgage rose to 6.79%, while the average rate for a 5/1 adjustable-rate mortgage fell to 5.94%.

That gap is drawing more attention to ARMs, which made up 8% of mortgage applications last week, their highest share in five weeks.

🔑 The tradeoff is that an ARM’s rate can change later, which means the lower initial rate may come with more uncertainty down the road.

For buyers comparing mortgage options, it’s worth looking beyond the starting rate and understanding how the loan could change over time.

Mortgage rates continue to rise, pushing some buyers to riskier, adjustable-rate loans in order to find savings. Rates are at the highest level since June 2025.

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4520 Mint Hill Village Lane, Suite 106
Mint Hill, NC
28227

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