HSW Advisors Blogs

What’s in Your Plan? - Retirement Readiness and the Use of Index Funds

One way to help prepare participants for retirement, and thereby reduce employer costs, is to include several different passively managed index funds in their 401(k) investment menus. Unfortunately, it’s an often-overlooked opportunity. The Fed’s suppression of interest rates, which has finally started to ease up recently, has helped to create a rising equity market since ...

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Zombie Banks

A commonly-used measure of a bank’s health is the return it makes on the equity* on its balance sheet (“ROE”).  A higher return on equity indicates a company is effectively using the contributions of equity investors to generate good returns, grow profits and return them to investors at attractive rates.   *A company’s equity, or ...

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In the past year, the subject of China’s economic growth rate has infused an added measure of volatility into world markets.  As the second largest economy, and a major importer (mostly of raw materials) and exporter (mostly of finished goods), China’s global influence is quite important.  However, if we draw the lens back a bit ...

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Here we go again

Image: Getty Images/iStockphoto   Master Limited Partnerships (MLPs) have once again experienced a significant pullback. The group is down approximately 8% since May 1, 2015. The issues are a triple whammy this time, consisting of lower commodity prices (most focused in NGLs), higher interest rates and increased equity supply. While the pullback is material, it ...

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HSW Advisors is registered with HighTower Securities, LLC, member FINRA and SIPC, and with HighTower Advisors, LLC, a registered investment advisor with the SEC. Securities are offered through HighTower Securities, LLC; advisory services are offered through HighTower Advisors, LLC.

This is not an offer to buy or sell securities. No investment process is free of risk, and there is no guarantee that the investment process or the investment opportunities referenced herein will be profitable. Past performance is not indicative of current or future performance and is not a guarantee. The investment opportunities referenced herein may not be suitable for all investors.

All data and information reference herein are from sources believed to be reliable. Any opinions, news, research, analyses, prices, or other information contained in this research is provided as general market commentary, it does not constitute investment advice. The team and HighTower shall not in any way be liable for claims, and make no expressed or implied representations or warranties as to the accuracy or completeness of the data and other information, or for statements or errors contained in or omissions from the obtained data and information referenced herein. The data and information are provided as of the date referenced. Such data and information are subject to change without notice.

This document was created for informational purposes only; the opinions expressed are solely those of the team and do not represent those of HighTower Advisors, LLC, or any of its affiliates.


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about the authors

Kenneth Hoffman  

has advised high-net-worth families since 1981 on investment strategy, asset allocation and portfolio design. In addition, Ken has an expertise in institutional consulting for retirement planning - both for defined benefit and defined contribution plans.

Designing Benefits is a blog that decodesthe ever-changing retirement planning landscape. Employing his distinctive industry knowledge, Ken highlights issues with today's retirement plans and provides solutions to these common flaws.

Jordan Waxman  

is in his 22nd year as a private wealth advisor. He is an attorney, an MBA, Accredited Investment Fiduciary® Designee, Certified Financial PlannerTM, Certified Investment Strategist® and Certified Investment Management Analyst®.

Inside the Vault is a blog that will clarify and illuminate all aspects of private wealth management and investments. Jordan will describe the inner-workings of the investment world, highlighting inherent risks, opportunities and potential conflicts of interest.

Richard Steinberg  

is the Chief Investment Officer of HSW Advisors and anAccredited Investment Fiduciary® Designee, managing high-grade, tax-exempt fixed income portfolios for domestic clients, as well as analyzing and recommending alternative investments. He has advised high net-worth families and institutions for over 27 years.

The Pipeline is a blog that comments on and deciphers the outwardly complex world of MLPs. Through Rich’s expert observation, the once unconventional MLP sector will be illuminated for all.

Alex Bass  

Alex Bass is an Executive Director of HSW Advisors, specializing in financial planning and investment counsel to rising professionals and entrepreneurs. He holds several professional designations, including Chartered Financial Analyst®, CERTIFIED FINANCIAL PLANNER™, Accredited Investment Fiduciary® , and is a member of the Chartered Alternative Investment Analyst Association®.