Hammond Iles Wealth Advisors

Hammond Iles Wealth Advisors Our caring financial coaches will guide you to discover your unique purpose and passion, then plan and invest to live a life you love.

Hammond Iles helps you plan, invest, and align your finances with what matters most so you can live with clarity, confidence, and purpose now and into the future. CLEAR PATHS TO PURPOSEFUL LIVING

As an investing and life coaching firm, we're committed to educating investors to inspire new possibilities for your future, protect you from unwise choices, and empower you to realize your financial potential.

06/13/2026

Bitcoin just fell below $60,000 and is down more than 50% from its recent high. But this isn't the first time.

In this Financial Friday tip, I explain why a 50% loss requires a 100% gain to recover, why Bitcoin's history matters, and the important question every investor should ask before investing in a volatile asset.

The risk of an investment isn't how much it can gain. It's how much it can lose before you decide to sell.

06/05/2026

Inherited an IRA? Before you take a withdrawal, make sure you avoid these two costly mistakes.

Many beneficiaries either cash out the entire account immediately or wait until year 10 and withdraw everything at once. Both approaches can create an unnecessary tax burden and reduce the amount you ultimately keep.

In this video, Greg Hammond, CFP®, CPA explains why the timing of your withdrawals matters and how a thoughtful distribution strategy may help you keep more of your inheritance.

Have questions about inherited IRAs? Schedule a no-cost conversation with a Financial Coach at www.hiwealth.com.

05/29/2026

Your brain gets more expensive at night.

A 2022 study from the Paris Brain Institute found that mental fatigue can weaken self-control and lead to worse decisions later in the day. That helps explain why late-night online shopping, impulse purchases, and even poor food choices are so common.

A simple financial habit: avoid making important spending decisions when your brain is tired.

05/26/2026

What if Memorial Day could change the way you think about your money? This powerful reminder goes beyond the long weekend to connect the meaning of freedom with your financial future.

In this message, we reflect on the true purpose of Memorial Day and how honoring that sacrifice can inspire more intentional financial decisions. From saving and investing to building long-term financial freedom, small steps today can create meaningful choices tomorrow.

If you are looking for motivation to take control of your finances, reduce debt, or start investing, this message is for you.

05/09/2026

Most people don’t need a complicated financial plan. They need the right foundation.

If you want to get your financial life on track, start with three essentials: the right bank accounts (including a high-yield savings account), your own credit card used responsibly, and if eligible, a Roth IRA. These simple building blocks can help you improve your credit, grow your savings, and create long-term, tax-efficient wealth.

Before you chase investing trends or worry about the market, make sure these core pieces are in place. Small steps taken consistently can lead to meaningful financial progress over time.

If you’re not sure where to start or want guidance building your plan, we’re here to help.

05/02/2026

Feel like you’re falling behind financially? You might be asking the wrong question.

Most people focus on where they are today… but the real key to progress is understanding where you’re headed. In this Short, we break down a simple mindset shift that can help you stop feeling stuck and start building momentum.

You don’t need a perfect plan to begin. Small, consistent steps like saving a little more, reviewing your investments, or simply starting a conversation with a financial coach can put you on a better path forward.

Your financial future isn’t built overnight… it’s built by the direction you choose today.

👉 Start small. Stay consistent. Build something better.

04/17/2026

Your statement shows a loss… but the market just hit a new high.
Confused? You’re not alone and this is where many investors make costly mistakes.



If you looked at your March 31 statement, you likely saw a drop driven by market reactions to geopolitical tensions and rising energy prices. But markets don’t stand still.



In April, investors began looking ahead. The result? A strong recovery that pushed the S&P 500 to new all-time highs.



This is a powerful reminder:
Your statement is a snapshot. Investing is a long-term process.

04/10/2026

What happens if your beneficiary dies before you?

Most people assume their accounts are set… but without a contingent beneficiary, your money could go through probate or be distributed based on state laws or default rules that may not match your wishes.

In this quick breakdown, we explain why naming a contingent beneficiary is a simple but critical step in protecting your retirement and investment accounts.

Take a few minutes this week to review your designations and make sure your plan reflects what you want today.

04/03/2026

Most people aren’t investing… they’re guessing.

If you’re chasing quick wins through crypto, prediction markets, sports betting, or day trading, you’re not building wealth… you’re relying on luck. And while social media highlights the big wins, it rarely shows the thousands of quiet losses happening behind the scenes.

There’s a better way.

Real investing isn’t about chasing outcomes… it’s about owning assets that create value over time. If you can’t explain how it makes money, you should think twice before putting your money into it.

🎯 Ready to stop guessing and start building a plan? This is where it begins. Schedule a free conversation with a Financial Coach at www.hiwealth.com.

03/27/2026

Not earning an income right now? You can still build retirement savings.

If you’re married and your household relies on one income, this overlooked strategy could help both partners build retirement savings in their own name.

In this video, we introduce the concept of a spousal IRA and how it allows a non-working spouse to contribute to an IRA or Roth IRA, as long as the household has enough earned income and meets eligibility requirements.

This approach can help:
💰 Build retirement savings for both spouses
💰 Potentially increase total household contributions
💰 Create more independence and flexibility for the future

It’s a simple idea, but one that many families miss.

If your family relies on one income, this is a strategy worth understanding and sharing with someone who could benefit.

To learn more or start a conversation, visit www.hiwealth.com or connect with our team.

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06109

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