Hubbard Financial Planners

You’ve reached a time when you want to stay ahead of inflation and spend more time enjoying friends, family, activities, and hobbies without constantly managing your portfolio. It’s why you hire a financial planner. It often takes more than saving and simple investing to successfully protect and grow wealth. Professional experience, knowledge, and ongoing attention are critical to reaching your financial goals. It’s important to have a proven professional to guide you through the many opportunities and challenges of the financial world. Hubbard Financial Planners helps to provide guidance to manage and protect all that you’ve worked hard to accumulate. To us, successful financial planning strategies are about truly understanding the needs and priorities of real people, organizations, and the day to day lives they work hard to maintain. In that way – your goals become our goals, your lifestyle becomes our guiding approach for planning, and we, as your financial planners become trusted partners in your wealth strategy. -- Joseph "Pat" Hubbard offers products and services using the following business names: Hubbard Financial Planners-Insurance and financial services. Ameritas Investment Company, LLC (AIC), Member FINRA(www.finra.org)/SIPC(www.sipc.org) -securities and investments. Ameritas Advisory Services (AAS)-investment advisory services. AIC and AAS are not affiliated with Hubbard Financial Planners. Products and services are limited to residents of states where the representative is registered. This is not an offer of of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Information posted to this site by 3rd parties or links to 3rd parties are not created or endorsed by AIC, AAS or their representatives. Their information is believed to be from reliable sources; however, their content cannot be guaranteed.

businessinsider.com

Read the letter a wealth manager sent to clients as the market tanked: 'This too shall bottom'

https://www.businessinsider.com/personal-finance/read-the-letter-wealth-manager-sent-to-clients-as-the-market-tanked

businessinsider.com As difficult as it is, we must seemingly do nothing at this point, while in reality we are doing exactly what we should be doing.

businessinsider.com

How to make the most of buy-and-hold investing, a strategy Warren Buffett swears by for long-term financial growth

https://www.businessinsider.com/personal-finance/what-is-buy-and-hold-investing-strategy

businessinsider.com Buy-and-hold investing is a tried and true long-term investment strategy that involves purchasing stocks or other securities then holding on to them.

youtube.com

Joe Rogan Experience #1439 - Michael Osterholm

Michael Osterholm, Univ. of MN infectious disease expert interviewed by Joe Rogan. Long, but very informative regarding Coronavirus.

https://www.youtube.com/watch?v=E3URhJx0NSw

Michael Osterholm is an internationally recognized expert in infectious disease epidemiology. He is Regents Professor, McKnight Presidential Endowed Chair in...

marketwatch.com

I’m 59, and my husband and I earn $500,000 a year — but have credit card debt and nothing saved for retirement. What should we do?

No matter who we are, life presents challenges unique to each of us.

https://www.marketwatch.com/story/im-59-and-my-husband-and-i-earn-500000-a-year-but-have-credit-card-debt-and-nothing-saved-for-retirement-what-should-we-do-2020-02-25

marketwatch.com This couple spent a ‘small fortune’ on their troubled son, but they also own a home worth $1.4 million.

fool.com

The Most and Least Popular Ages to Claim Social Security | The Motley Fool

Informative article regarding the timing of a retiree's Social Security Benefits.

https://www.fool.com/amp/retirement/2020/02/23/the-most-and-least-popular-ages-to-claim-social-se.aspx

fool.com Your claiming age can have a huge impact on what Social Security will pay you.

youtube.com

Oliver White Is In Pursuit Of...

What does independence mean to you? Oliver White knows what it means to him. Enjoy! https://youtu.be/ZknAqKUxOQA

Traveling the world — that’s the dream — one that renowned angler Oliver White doesn’t take for granted. But to him, not even the most coveted corners on the...

youtube.com

YETI Presents: Flip Pallot – Legendary Fly Fishing Guide

And now...another American lives their dream. We Plan to help you live yours. https://www.youtube.com/watch?v=nZIk-oXBPC4

Legendary angler Flip Pallot set out to change his life when he left his banking job and launched a career as a fly fishing guide. Full Story: https://storie...

We’re at it again; we are offering a unique and complimentary Northeast Florida Business Owners’ Summit April 2nd. Risk. Can your business put you and your family’s future at risk? Unlike many other learning opportunities you might consider, we’ll engage in interactive risk assessment of short dramatic videos that should alert you to the serious consequences of under-planning and under-protecting the Golden Goose: your business. Seating is limited. Learn more and RSVP here: https://goo.gl/4DUpsc

forbes.com

How To Evaluate Your Financial Advisor

https://www.forbes.com/sites/robertlawton/2019/01/06/how-to-evaluate-your-financial-advisor/#1b487251e272

forbes.com You should annually review the services you receive and what you are charged

[01/02/19]   Happy New Year! Hiring a financial adviser or reviewing your finances this year? This article outlines some important areas that should be considered prior to beginning or continuing to work with any adviser.

http://amp.kiplinger.com/article/retirement/T023-C032-S014-5-ways-financial-advisers-misrepresent-themselves.html

nj.com

Want to give a great holiday gift? Try a meeting with a financial planner

Here's a great last minute gift idea. Merry Christmas!

https://articles.nj.com/business/index.ssf/2018/12/want_to_give_a_great_holiday_gift_try_a_meeting_wi.amp

nj.com Who needs an ugly sweater? But we all could use a hand managing our money.

youtube.com

YETI Presents: SAM

Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do. – Pele

Like Sam...

https://www.youtube.com/watch?v=pLHcI5jn63M

Duck hunting dogs are hardworking and obedient. But Sam likes to work on her own terms. Directors: Ryan Heffernan, Grayson Schaffer Camera: Nick Kelley Edito...

[11/28/18]   How about a quote?:"100% of customers are people. 100% of employees are people. If you don’t understand people, you don’t understand business." – Simon Sinek

marketwatch.com

This is what’s happened to stocks after every midterm election since World War II

https://www.marketwatch.com/story/this-is-whats-happened-to-stocks-after-every-midterm-election-since-world-war-ii-2018-11-05

marketwatch.com It’s good news, even though Americans are on edge about politics.

forbes.com

5 Retirement Planning Tips For Small Business Owners

Anecdotally, I can personally confirm the retirement planning risk that business owners expose themselves to.
https://www.forbes.com/sites/nextavenue/2016/12/08/5-retirement-planning-tips-for-small-business-owners/amp/

forbes.com Many small business owners should save more for retirement. Here's how.

youtube.com

YETI Presents: Shut Up and Paddle

All for a Patch! See if you can find a Yeti product in this video.https://youtu.be/5npEus2-Wig

The Texas Water Safari is the world's toughest canoe race. It's a true test of endurance, in which you challenge yourself on the rivers between San Marcos TX...

knowledge.wharton.upenn.edu

Delay Social Security or Not? How Lump Sum Payments Could Help

Why wait to claim Social Security benefits? Here's an idea! http://knowledge.wharton.upenn.edu/article/delay-social-security/

knowledge.wharton.upenn.edu Lump-sum payments of a portion of their benefits are a powerful incentive to convince people to delay Social Security, new Wharton research finds.

businessnewsdaily.com

5 Ways Small Business Owners Can Start Preparing for Retirement

https://www.businessnewsdaily.com/10276-prepare-for-retirement.html

businessnewsdaily.com It's never too early to start thinking about your retirement, especially as a small business owner. Here are five steps you can take now to prepare yourself.

forbes.com

Six Mistakes People Make When Hiring A Financial Advisor

https://www.forbes.com/sites/feeonlyplanner/2018/01/29/six-mistakes-people-make-when-hiring-a-financial-advisor/#6857cf2b3ec8

forbes.com It's easy to make the 6 key mistakes when trying to find your financial advisor. Here's a list of things to avoid as you search for your perfect advisor: someone who ideally will provide you with fee-only financial planning and investment advice.

washingtonpost.com

A homegrown revolution

Get ready for 5G! https://www.washingtonpost.com/sf/brand-connect/qualcomm/a-homegrown-revolution/?noredirect=on&sr_campaign=nativo&sr_conte

washingtonpost.com The next generation of wireless technology, 5G, is being developed in the U.S.â

investmentnews.com

2019 Social Security cost-of-living adjustment now expected to be 2.8 percent

Investment News projects a 2.8% increase for Social Security beneficiaries next year. http://www.investmentnews.com/article/20180914/BLOG05/180919949/2019-social-security-cost-of-living-adjustment-now-expected-to-be-2

investmentnews.com Slightly lower estimate would still be the largest cost-of-living increase since 2012.

forbes.com

3 Things To Handle Now If You Want To Retire In 5 Years

Good advice from Forbes for those planning to retire within five years. https://www.forbes.com/sites/nancyanderson/2018/08/29/3-things-to-handle-now-if-you-want-to-retire-in-5-years/#2170d3423884

forbes.com After retirement, your money mindset changes. Without a salary coming in, you deplete assets everytime you make a purchase. With that in mind, prepare for retirement by handling a few expensive things ahead of time.

planadviser.com

Saving for Retirement Is Americans’ No. 1 Source of Financial Stress | PLANADVISER

Interesting (short) article with a couple of grammatical errors. In my own experience, my clients are well served by "making a plan". Saves sleepless nights, money, etc.https://www.planadviser.com/saving-retirement-americans-no-1-source-financial-stress/

planadviser.com

From a Mass Mutual Survey

Alarming Family-Owned Business Stats

"While they are performing and growing well, family businesses face some significant challenges. Perhaps first among these is the issue of succession. Within 10 years, 40.3 percent of business owners expect to retire, creating a significant transition. Of these, fewer than half (45.5 percent) of those expecting to retire in five years and fewer than a third (29 percent) of those expecting to retire between six and 11 years have selected a successor, meaning there is much work to do and potential sources of instability for our economy. Of those who have selected a successor, the successor’s median age is about 18 years younger than the current chief executive. Co-CEOs, as in previous years, are being considered at a similar rate (42.2 percent). Many have less certainty about retirement, which is also a tremendous risk. Almost a third (30.5%) have no plans to retire, ever; and nearly another third (29.2%) report that retirement is more than 11 years away. Since the median age of the current leaders is 51, this means that many people plan to die in office, which is not beneficial to the family, the firm, its employees and its clients"

The above is a great reason to come to our next Business Owners Summit.. Learn more and RSVP here: https://goo.gl/4DUpsc

We’re at it again; hosting a unique and complimentary Northeast Florida Business Owners’ Summit Sept. 11. Unlike many other learning opportunities you might consider, we’ll engage in an interactive risk assessment of short dramatic videos that should alert you to the serious consequences of under-planning and under-protecting the Golden Goose: your business. Seating is limited. Learn more and RSVP here: https://goo.gl/4DUpsc

"Everything cometh to they who waiteth, if while they waiteth they work like hell" Leon Danco

entrepreneur.com

5 Companies That Grew Too Quickly (and What You Can Learn From Them)

https://www.entrepreneur.com/article/310166

entrepreneur.com Zynga, Crumbs Bake Shop and KIND Snacks are examples of companies that tried to grow too fast.Two are dead.

chicagotribune.com

No pension? Use this plan for a secure retirement

I agree with waiting, providing you are in good health, for SSI benefits; but see a qualified planner (CFP, CPA) prior to making any decision. http://www.chicagotribune.com/business/sns-201801302033--tms--savingsgctnzy-a20180130-20180130-story.html

chicagotribune.com Delay retirement until age 70. Invest in stocks, not bonds. And draw down your retirement account savings in line with IRS rules on required minimum

Here’s a unique opportunity to work “on” your business. RSVP to a Northeast Florida Business Owners’ Summit. At either Feb. 13 or 14 events, you’ll hear from presenters experienced in business taxation and valuation; legal, estate, and succession issues; our local economic picture; and advanced planning opportunities for business owners. Engage in the interactive and video-based BusinessKillers® self-assessment to discover if you’re making “business-killing” mistakes and what you can do to gain more control. Seating is limited. There is no cost or obligation to attend.

RSVP for you and a guest here: https://goo.gl/4DUpsc

You built it. Now what? More boomers are exiting their businesses than ever before. Are you ready? We’re hosting a complimentary Northeast Florida Business Owners’ Summit to give you a unique opportunity to learn from experienced presenters and assess your readiness to transition with more confidence. Join us Feb. 13 or 14: https://goo.gl/4DUpsc

forbes.com

IRS Announces 2018 Retirement Plan Contribution Limits For 401(k)s And More

2018 may allow you to increase the deductible contributions to your retirement plan. This article from Forbes explains. Happy New Year!
https://www.forbes.com/sites/ashleaebeling/2017/10/19/irs-announces-2018-retirement-plan-contribution-limits-for-401ks-and-more/#48d9542a25ac

forbes.com Sock away $18,500 into your 401(k) for 2018.

wsj.com

Just How Do I Find My ‘Passion’ in Retirement?

https://www.wsj.com/articles/just-how-do-i-find-my-passion-in-retirement-1509633243

wsj.com Ask Encore: Retirement columnist Glenn Ruffenach also answers questions about Medicare Part D and about Social Security benefits.

soul2work.com

Speaking of Leadership - Speak Your Words - Soul To Work

https://soul2work.com/2017/10/speaking-of-leadership-speaking-your-words/

soul2work.com That moment you realize that the words coming out of your mouth are not yours. The world needs you to speak your words. We need leaders who speak the truth.

investopedia.com

Why Traditional Investment Strategies Don't Work | Investopedia

Interesting article about market risk in Investopedia by Chris Cook who is someone that I know. http://www.investopedia.com/advisor-network/articles/why-traditional-investment-strategies-dont-work/

investopedia.com Why traditional investment strategies come up short in today's new market reality.

washingtonpost.com

The new reality of old age in America

Waiting to begin investing for retirement? Here is an option:https://www.washingtonpost.com/graphics/2017/national/seniors-financial-insecurity/?utm_term=.0ef27c5c7336&wpisrc=nl_sb_smartbrief

washingtonpost.com ’I'm going to work until I die,’ say seniors facing increasing financial insecurity.

fedweek.com

Demographics Shaping Future of Retirement, Says Report

http://www.fedweek.com/retirement-financial-planning/demographics-shaping-future-retirement-says-report/

fedweek.com Increasing life expectancy means that "retirement savings will have to last longer" for those already retired or who are coming up on retirement, although

thinkadvisor.com

Don’t Think Retirement Plans Are Safe From Tax Reform

http://www.thinkadvisor.com/2017/08/04/dont-think-retirement-plans-are-safe-from-tax-refo?slreturn=1502134639

thinkadvisor.com The tax break on contributions to qualified retirement plans is still an attractive source of revenue to an administration needing a win on tax reform.

blog.credit.com

I'm About to Retire. What Accounts Do I Withdraw From First? | Credit.com

Interesting scenario. Good luck living in NJ on the withdrawal amount this planner suggests.http://blog.credit.com/2017/06/im-about-to-retire-what-accounts-do-i-withdraw-from-first-175637/

blog.credit.com It can vary, but there are a few rules of thumb to consider when it comes to paying taxes on your retirement funds.

gobankingrates.com

27 Ugly Truths About Retirement | GOBankingRates

All the more reason to consult with an experienced and objective adviser who will help you navigate these ugly truths and more...https://www.gobankingrates.com/retirement/ugly-truths-retirement/

gobankingrates.com If your retirement plans involve traveling the world and bestowing expensive gifts on the grandkids, you might want to think again. A large percentage of Americans lack the necessary funds to secure any retirement, let alone a lavish one. According to a 2016 report by the Transamerica Center for Ret...

nytimes.com

Your Credit Score May Soon Look Better

Timely Information https://www.nytimes.com/2017/06/26/business/dealbook/your-credit-score-may-soon-look-better.html?WT.mc_id=SmartBriefs-Newsletter&WT.mc_ev=click&ad-keywords=smartbriefsnl

nytimes.com The three major credit bureaus will eliminate tax liens and civil judgments from the information they collect, starting July 1.

The New Science Of Retirement Planning

Most important to retire "to" something rather than "from" something. This article written for advisers but is really important for everyone. http://www.fa-mag.com/news/the-new-science-of-retirement-planning-33275.html?section=3&page=3

fa-mag.com There was a time when people thought that the earth was at the center of the universe and that the sun and other planets orbited around it. But over time, people found inconsistencies in this belief and began to not only question them but also use science to foster new ideas and realities. Back the...

bloomberg.com

World's Major Economies to Come up $400 Trillion Short on Retirement Savings

https://www.bloomberg.com/news/articles/2017-05-26/retirement-savings-gap-is-seen-climbing-to-400-trillion-by-2050

bloomberg.com Longer life spans and disappointing investment returns will help create a $400 trillion retirement-savings shortfall in about three decades, a figure more than five times the size of the global economy, according to a World Economic Forum report.

investopedia.com

6 Tips For Increasing Your Net Worth

Sometimes the best ideas are the simplest. http://www.investopedia.com/financial-edge/1212/6-tips-for-increasing-your-net-worth.aspx

investopedia.com Here are the six best things you can do to increase your net worth.

Hubbard Financial Planners's cover photo

cnbc.com

Haven't saved enough for retirement? You're not alone

http://www.cnbc.com/2017/05/23/not-saving-for-retirement-tops-americans-greatest-regrets.html

cnbc.com Nearly three-quarters of Americans have financial regrets. The No. 1? Not saving for retirement earlier on.

Our Story

You’ve reached a time when you want to stay ahead of inflation and spend more time enjoying friends, family, activities, and hobbies without constantly managing your portfolio. It’s why you hire a financial planner. It often takes more than saving and simple investing to successfully protect and grow wealth. Professional experience, knowledge, and ongoing attention are critical to reaching your financial goals. It’s important to have a proven professional to guide you through the many opportunities and challenges of the financial world. Hubbard Financial Planners helps to provide guidance to manage and protect all that you’ve worked hard to accumulate. To us, successful financial planning strategies are about truly understanding the needs and priorities of real people, organizations, and the day to day lives they work hard to maintain. In that way – your goals become our goals, your lifestyle becomes our guiding approach for planning, and we, as your financial planners become trusted partners in your wealth strategy. -- Joseph "Pat" Hubbard offers products and services using the following business names: Hubbard Financial Planners-Insurance and financial services. Ameritas Investment Company, LLC (AIC), Member FINRA(www.finra.org)/SIPC(www.sipc.org) -securities and investments. Ameritas Advisory Services (AAS)-investment advisory services. AIC and AAS are not affiliated with Hubbard Financial Planners. Products and services are limited to residents of states where the representative is registered. This is not an offer of of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation. Information posted to this site by 3rd parties or links to 3rd parties are not created or endorsed by AIC, AAS or their representatives. Their information is believed to be from reliable sources; however, their content cannot be guaranteed.

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Location

Telephone

Address


4040 Woodcock Dr, Ste 205
Jacksonville, FL
32207

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00
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