Hartfield Financial & Insurance Services, Inc.

Environmental, Social, and Corporate Governance refers to the three central factors in measuring the sustainability and societal impact of an investment in a company or business. Analysis of these criteria are thought by some to help to better determine the future financial performance of companies. ESG investing is a way to build a more ethical portfolio, and it's easier than you might think to get started. You've likely heard of "voting with your dollars," or using your mon...ey to make purchases at businesses you believe in. But choosing your local bookstore over a national brand isn't the only way you can make an impact. There are strategies, such as ESG investing, to put your investment dollars to work in a similar way. Why should I care about ESG investing? Aside from the benefits of creating a more ethical portfolio, there is evidence that ESG investments deliver similar returns as traditional investments and potentially carry less risk. Hartfield Financial & Insurance Services, Inc. #esg #sustainability #impactinvesting #governance #fiduciary #corporategovernance #fiduciaryduty #investmentadvisor #esginvesting #esginvestments #investmentadvice

Happy Good Friday Happy Easter Enjoy the long weekend And remember, don't put all your eggs into one basket

Just a friendly reminder to adjust your clocks forward this Sunday, March 14th! If you know someone looking for a Registered Investment Advisor and is a Fiduciary who has been an Independent Advisor for over 25 years please share my contact information today! This past year has been extremely difficult on many families and having the right advice concerning their 401K's and other investment/insurance decisions is paramount.... Thomas J. Hartfield, President and Chief Compliance Officer of Hartfield Financial & Insurance Services, Inc.

Have You Received Your RMD Notice? If you will be 72 or older in 2021, you are required to withdraw a portion of your IRA each year under the tax laws governing IRAs. The minimum amount you must withdraw is calculated based on a life expectancy factor provided by the IRS and your account balance. The calculation is intended to spread your IRA balance over your life expectancy. The custodian (aka bank) will send you an RMD notice by January 31 each year a payment is due to rem...ind you of this requirement. If you have questions about your RMD or have not received a notice, please contact the Hartfield Financial team at 1-805-522-5815 or [email protected]

This National Children's Dental Health Month, the staff at Hartfield Financial are helping parents keep their child's smile on track! When children practice good oral hygiene care, they can help ensure a lifetime of healthy, happy smiles. We encourage parents to call their Dental Practice with any questions or concerns they may have about their child's dental health. Be safe, Wear a Mask and practice good oral hygiene.... A Happy Smile and a Happy Child go together. #NCDHM #NationalChildrensDentalHealthMonth

Open Enrollment Deadline Approaching The deadline for Open Enrollment is 11:59 p.m. on January 31, 2021. Need help with low cost or no cost insurance, or premium assistance (subsidy), give us a call today to apply for health insurance and avoid penalties.... If you have already signed up for health insurance, It is crucial that you make timely binder payments so your coverage begins without delay. Although many carriers offer the option to pay online, calling the carriers directly to make a payment could be the most immediate way to effectuate coverage. Reference the Contact Your Insurance Company page of Covered California’s website to find the payment options for all health and dental plans. Or just give me a call and I can do it for you. Service Hours: To you assist in the final hours of Open Enrollment, as a Certified Insurance Agent, Mr. Tom. Hartfield will be available Monday - Friday 8:00 a.m. - 7:30 p.m., and offering limited weekend hours Saturday, January 30, from 10:00 a.m. to 4:00 p.m. and Sunday, January 31, 9:00 a.m. to 8:00 p.m. #GetCovered2021 #CoveredCA #healthinsurance #healthcoverage #GetCoveredCA #Health #wellness #CoveredCalifornia #insurance #insuranceagent

‘Twas the Night Before Christmas Two Thousand and Twenty ‘Twas the night before Christmas two thousand and twenty The world was a mess, the troubles were plenty COVID was rampant, the market was crazy... Meeting by Zoom was making us lazy Dry cleaners missed us, and so did the chefs Auto repairmen, and those who sold desks With holidays near, we should be covered in glitter Instead all we get is more &*^% on Twitter But things are a changing, the New Year feels brighter Even the VIX is feeling much lighter Then came the news we all wanted to hear Pfizer announced that a vaccine was here A glimmer of hope spread through the land Even Congress would give us a hand So listen real closely on this Christmas Eve You’ll hear some new folks who roll up their sleeves On Biden, on Harris, on Yellen (you vixen) On Fauci, on science, the world needs a fixin They sprang in to action with no time to spare It’s thrilling, it’s shocking they all seem to care Santa was happy to see this hard work, He sprang to his sleigh, gave those reins a small jerk I think you will hear as he flies out of sight Merry Christmas to all, and to all a good night!

Today is Get Covered America Day, where everyone across the nation is encouraged to stay healthy by wearing a mask and get insured with health coverage. Learn about financial help to lower the cost of health insurance at GetCovered2021 . org and as a Certified Insurance Agent I can help answer any questions you have. Together we can all keep America safe by simply wearing a mask - it's that easy. #GetCovered2021 #insurance #healthinsurance #openenrollment #insuranceagent #med...icare #healthcare #coronavirus #health Hartfield Financial & Insurance Services, Inc.

People in the UK get first COVID-19 vaccinations. Why it matters: Margaret Keenan, a 90-year-old woman in the UK, was the first person in the country to get the vaccine against COVID-19. The UK starts virus campaign with a shot watched round the world. In London, a nurse rolled up 90-year-old Margaret Keenan’s sleeve and administered a shot watched round the world - the first jab in the U.K.’s COVID-19 vaccination program kicking off an unprecedented global effort to try to ...end a pandemic that has killed 1.5 million people. Keenan, a retired shop clerk from Northern Ireland who celebrates her birthday next week, was at the front of the line at University Hospital Coventry to receive the vaccine that was approved by British regulators last week. The U.K. is the first Western country to deliver a broadly tested and independently reviewed vaccine to the general public. The COVID-19 shot was developed by U.S. drugmaker Pfizer and Germany’s BioNTech. The U.S. and European Union regulators may approve it in the coming weeks as the US lags the world, but it feels like there is a light at the end of the tunnel and I wholeheartedly agree. #covid #investmentadvisor #fiduciary #investmentadvice #trumpvirus #cornavirus #recession2020 #economy Hartfield Financial & Insurance Services, Inc. See more

As a regular blood donor, wanted to share this post from American Red Cross... "As a reminder, daylight saving time ends this Sunday, November 1 at 2:00 a.m. As you turn your clocks back this weekend, we are asking everyone to take a moment to test their smoke alarms too. The minute you spend testing your smoke alarms could literally save lives including yours!... You can make your family, your loved ones and your community just a little bit safer this weekend. Test your smoke alarms today."

Nasdaq to Advance Diversity through New Proposed Listing Requirements. Why it matters: This is an interesting move by the Nasdaq and also not a surprise because Adena Friedman is darn good at seeing the world beyond Wall Street. The proposal calls for companies listed on the Nasdaq to disclose statistics about the diversity of their board of directors. The proposal also calls for companies to have at least one female and one minority director -- or offer an explanation as to ...why they don't. Nasdaq’s purpose is to champion inclusive growth and prosperity to power stronger economies, said Adena Friedman, President and CEO, Nasdaq. Our goal with this proposal is to provide a transparent framework for Nasdaq-listed companies to present their board composition and diversity philosophy effectively to all stakeholders; we believe this listing rule is one step in a broader journey to achieve inclusive representation across corporate America. #investmentadvisor #fiduciary #investmentadvice #diversityandinclusion #diversity #representationmatters #inclusion #inclusionmatters

Biden names Yellen to Treasury to lead US from sharp economic downturn President-elect Joe Biden has nominated former Federal Reserve Chair Janet Yellen as U.S. Treasury secretary, breaking a 231-year gender barrier and putting a seasoned economist and labor market expert in charge of leading the country out of the steepest downturn since the Great Depression. Yellen, 74, brings Biden decades of economic policy experience and is respected by Congress, international finance of...ficials, progressives and business interests alike. She has called for opening fiscal spending taps to revive an economy wracked by the coronavirus pandemic and would be the first person to head the Treasury, the Fed and the White House Council of Economic Advisers. Yellen made history in 2014 when she became the first woman to chair the Federal Reserve after serving for a decade as San Francisco Fed president and a Fed governor. U.S. stocks picked up ground following the report.

Virus Could Deplete Social Security Funds By 2030 The Social Security trust fund could be depleted by 2030, five years earlier than the official government estimate before the coronavirus hit, because of the recession and long-term near-zero interest rates triggered by the pandemic. The trust fund that pays retirement benefits would run out in a decade if the current economic downturn is as severe as the recession following the 2008 financial crisis, the Bipartisan Policy Cen...ter said in a report issued Thursday. Even under the most optimistic economic projections, the fund could run out of money by 2034, the report said. If policymakers fail to address Social Security’s financial imbalance soon, they will be left with only drastic solutions or financing a portion of promised retirement benefits through general revenues, according to the report. Tax increases will be sharper, benefit cuts will be more severe, and the cohorts of workers who bear these changes will have less time to plan their finances accordingly. #investmentadvisor #fiduciary #financialplanning #retirementplanning #financialadvisor #financialplanner #retirement #interestrates #recession #trumprecession

Massive spending pushes U.S. 2020 fiscal year deficit to record $3.132 trillion The US budget deficit hit a record $3.132 trillion during fiscal 2020, more than triple the 2019 shortfall due to massive spending, the US Treasury said Friday. The deficit more than doubled the previous record of $1.416 trillion in fiscal 2009, when the United States was battling a financial crisis. The final fiscal 2020 deficit numbers come as the current Administration and Congress have been un...able to agree on a new round of coronavirus stimulus, with many Senate Republicans calling for fiscal restraint in another package since the passing their tax cut to the wealthy in September 2017. In September 2017, Treasury Secretary Mnuchin said that not only would the GOP’s tax plan pay for itself, but it will pay for the debt. He also claimed it would cut down the deficits by a trillion dollars. Obviously that did not happen however the wealthy and large corporations are extremely happy. Who are the losers - the middle class again. #investmentadvisor #fiduciary #financialplanning #retirementplanning #financialadvisor #trumprecession Hartfield Financial & Insurance Services, Inc.

#Mentalhealth has become increasingly important as an estimated two million Californians suffer from depression. This #WorldMentalHealth Day, we want to bring awareness to the mental health resources included in all health plans offered through #CoveredCA.

Nearly a Third of 401(k) Participants Unsure How Long Their Savings Will Last When asked how many years they believe their retirement savings will last in retirement, a significant percentage of 401(k) plan participants indicate they have no idea, according to the results of a new survey. The area where 401(k) participants say they could most use help is understanding how much they’ll need to save for retirement. When asked if they could get help with retirement planning, the... top five responses were: . calculating how much they need to save for retirement (39%); . anticipating tax expenses (34%); . determining their retirement age (33%); . creating an income stream in retirement (33%); and . receiving specific advice on how to invest their 401(k) (32%). On average, participants in the study say they plan to retire at age 65 and estimate they need to save $1.9 million for retirement. Even if you think your financial situation doesn’t warrant outside help, having that conversation with a professional is a valuable step to take, Talking to a financial professional can provide important clarity. #investmentadvisor #fiduciary #financialadvisor #financialplanning #financialplanner #financialfreedom

Happy Labor Day Thank you so much for your business. Have a safe and happy weekend from your team at HFIS!... If there is one good thing to come out of 2020, it is that we as a society have gained a fresh appreciation for all people who work hard to make America great. Millions have put their own personal safety in jeopardy, and continue to do so. Others have adapted quickly to the changes needed, and pushed forward despite the unique challenges this year presents. To give our team members time to celebrate a job well done, especially in this unique economic landscape, Hartfield Financial & Insurance Services, Inc will observe the following special holiday hours: 8:00 am - 3:00 pm PT on Friday, September 4, 2020 Monday, September 7, 2020, Closed for Labor Day We will resume regular business hours on Tuesday, September 8, 2020. Hartfield Financial & Insurance Services, Inc.

Meet the new Fed policy: Low interest rates for years to come Federal Reserve announced the conclusion of its highly anticipated multiyear framework review. The big reveal? We can expect short-term interest rates to remain at or near zero for years to come. For investors, the prospect of an investment landscape where income is scarce has become a reality that will need to be addressed - not only in the current economic crisis, but long after.... The real issue for investors will be what comes after this economic crisis. Many hope that over the coming year or two, the economy will continue its recovery. This could happen even faster should a vaccine or more effective treatments help suppress the pandemic. But today’s announcement has made clear that even a return of steady, potential growth would mean the Fed would likely leave rates where they are at zero. The end of the economic crisis would likely mean the end of liquidity measures, but not the end of the zero interest rate policy. In other words, a return to a pre-COVID economy would not mean a return to pre-COVID income. #investmentadvisor #investmentadvice #investmentmanagement #fiduciary #retirement #retirementplanning #economy #interestrates

If the #coronavirus crisis has caused your income to be reduced or you lost your job or your health insurance, #CoveredCA can help. Apply today! #COVID19 As a Certified Insurance Agent, I am available to help get you health insurance, explain how Premium Assistance works and more importantly - ensure you and your family are protected. Call Thomas Hartfield today!

Guess what can impact your retirement income planning 79% of U.S. parents provide financial support to their adult children, contributing $500 billion annually. This number is nearly double what they contribute to their own retirement accounts. Demographic shifts have reshaped the traditional American family to what’s now often referred to as the modern or blended family. Financial planning isn’t just about the numbers, and it can take on new layers of complexity when a cli...ent’s family changes. #financialplanning #investmentadvisor #retirementplanning #investmentmanagement #feeonly #fiduciary #investmentadvice #investmentadvisory See more

Happy Independence Day! In observance of 4th of July, our Hartfield Financial office will be closed on Friday, July 3, 2020. We will return to our normal business hours on Monday, July 6, 2020. I hope you enjoy the weekend and take time to relax and celebrate with your family!

In the second quarter of 2020, U.S. equities staged a remarkable recovery from the first quarter’s decline. Stimulus from the Fed and Congress, coupled with the relaxation of some COVID-19-driven economic restrictions, aided the market rebound. The S&P 500 gained 21%, and smaller-caps performed even better, with the S&P MidCap 400 and S&P SmallCap 600 up 24% and 22%. Volatility declined, with the VIX closing the month at 30.43. International markets similarly recovered, with... the S&P Developed Ex-U.S. BMI and S&P Emerging BMI up 17% and 19%, respectively. All factors and sectors posted gains, with High Beta, Growth, and Momentum in the lead. Consumer Discretionary and Info Tech were the top performing sectors. Stocks began July’s first trading day and the third quarter on a positive note as the Federal Reserve’s pledge to keep the monetary spigots open for years sent the Nasdaq Composite to a record close. #investmentadvisor #investmentadvice #financialadvice Hartfield Financial & Insurance Services, Inc.

Majority Of Mass Affluent Rely On Human Advice Study finds appetite for human financial advice extends far beyond high net worth population. Over 3/4 of the 33 million households in US with between $100k & $1M in investable assets say they use a human advisor to manage their money (includes financial advisorsas well as reps from 401-K providers & banks). A key finding of research study released by Cerulli Associates.... A key difference is Financial Reps/Advisors accept sales charges/commissions whereas Investment Advisors do not & advise on assets under management. A Registered Investment Advisor is a "Fiduciary", said Thomas Hartfield President of Hartfield Advisors. Our firm consults on an hourly, project or asset based contractual basis so the consumer knows exactly what services they purchase in advance. Key to this satisfaction is personalized attention investor gets when dealing with someone one on one. They show empathyprovide safe hands guidance through good & bad. Among top reasons for satisfaction? Individual investors cited trustworthiness, honesty & dependability (19%) of their advisor foremost, followed by overall relationship (16%) & advisor’s knowledge & quality of her/his advice were not far behind (13%).

Our offices will be closed on Friday, June 19th in observance of Juneteenth. This means our Support Team will not be available to answer emails or phone calls. Normal business hours and operations will resume on Monday, June 22nd. Closing our office enables many of our colleagues to join in the celebration and reflect on not only America’s achievements, but also its enduring effort to acknowledge its flaws and become a better nation.... The holiday commemorates June 19, 1865, the day Major Gordon Granger delivered the news of freedom to slaves in Galveston, Texas, two years after President Abraham Lincoln had signed the Emancipation Proclamation. Thank you, Thomas Hartfield and the entire team at Hartfield Financial & Insurance Services, Inc. #juneteenth #freedomday #equality #fairness #humanrights #celebratefreedom Hartfield Financial & Insurance Services, Inc.

Why do I get a Form 5498? If you own an IRA, you’ll receive a Form 5498, IRA Contribution Information, from your IRA custodian each year. Form 5498 reports contribution activity and the fair market value of the entire IRA, as well for certain types of alternative investments held within the IRA. IRA custodians generally must file Form 5498 with the IRS and provide a copy to IRA owners by May 31. This year, however, the deadline has been extended to July 15. Form 5498 is not required to be filed with your tax return. #retirementplanning #taxes #tax #invetmentadvice #investmentadvisor #financialplanning #taxreturn