Hillcrest Financial Group

06/16/2026

When life changes, your emergency savings should change with it. If your monthly expenses have gone up this year because of a move, travel, childcare, or health care costs, it may be worth adding a little more to your emergency fund over the next few months.

06/15/2026

Social Security's retirement trust fund is now projected to face a funding shortfall in 2032, a year sooner than previously expected, and Medicare's hospital fund faces the same in 2033. Here's what the new projections could mean for your retirement: https://bit.ly/4uqomUL

Medicare's hospital insurance trust fund will be unable to pay full benefits in 2033, unchanged from last year's estimate.

06/15/2026

Lost 401(k)s are a huge issue, with over 24 million forgotten. Learn more about what you can do in our new article.

06/14/2026

Turning 59 isn’t just another birthday. It can be one of the last opportunities to meaningfully boost retirement savings before the focus shifts from accumulating money to using it wisely.

Know where you stand: Benchmarks can help, but your real target depends on spending, health care, Social Security, and lifestyle goals.
Use catch-up options: Higher contribution limits can help late-career savers make the most of peak earning years, especially before retirement begins.
Plan for withdrawals: Staying invested, building a cash buffer, and timing Social Security can all affect how long savings last.
See what financial advisors say to review in the years just before retirement: https://bit.ly/4xfOtRb

Age 59 can be a key turning point, when the focus shifts from building savings to planning withdrawals. See how your retirement nest egg compares to others this age.

06/13/2026

Most retirees worry about running out of money, but spending too little can carry its own risk. Research shows that about a third still have 100% of their savings intact by their mid-80s.

Underspending is real: Being too cautious can mean skipping travel, family support, giving, or other experiences during the years you’re most able to enjoy them.
Start with a withdrawal plan: A common rule of thumb is to withdraw a set percentage of savings in year one, then adjust for inflation over time.
Stay flexible: Adjusting spending as markets, needs, and life stages change can help balance preservation with quality of life.
See why the goal isn’t just to protect your nest egg, but to use it well: https://cnb.cx/4xiUj4a

Retirees often focus on the risk of spending too much in retirement. But spending too little poses another kind of danger.

06/12/2026

You worked hard to save for retirement, now it's time to enjoy it. Learn how small investments in travel, hobbies, technology, and social connections can deliver lasting rewards. Read about 5 lifestyle upgrades. https://bit.ly/4vz3VpC

Reframing splurges as "intentional reallocation" of money can help you overcome spending anxiety and enhance your quality of life. Here are some suggestions.

06/12/2026

There are many ways to climb a mountain, just as there are many styles of investing. Which style suits you? Watch this video to learn more:

Learn about what risk tolerance really means in this helpful and insightful video.

06/11/2026

The biggest World Cup in history kicks off June 11, with 48 teams, 104 matches, and three host nations across North America. Here’s what to know before the first whistle:

New format: Countries will compete across 12 groups before the knockout rounds begin.
Major moments: Opening ceremonies take place in Mexico City, Toronto, and Los Angeles, with the final set for July 19 at MetLife Stadium in New Jersey.
How to watch: Fox and FS1 will carry English-language coverage, with Spanish-language broadcasts on Telemundo and Universo.
Get the full breakdown on teams, schedules, venues, and favorites before kickoff: https://bit.ly/4vioDut

After years of preparation and anticipation, the 2026 World Cup begins Thursday. Here's what you need to know about the world's biggest sporting event.

06/10/2026

Confused about SECURE Act 2.0? Take a look at our rundown of the new legislation and how it changes your retirement.

The second iteration of the SECURE Act brings forward several changes to the world of retirement.

06/08/2026

Social Security has been a fact of retirement life since 1935. Are you eligible for benefits?

There are things about Social Security that might surprise you.