David Hoffert, TwinStar Financial Advisor
Under the Resources tab you can easily find information on investment, insurance, tax and estate planning. These are the core areas of a comprehensive financial plan.
Check back daily for the latest market data, news and commentary. You can even check the investments in your Cetera brokerage account by using the link provided on the upper right hand corner.
As a college senior, I began my career interning for Prudential Financial in Olympia. In 2000, after graduating with a BA in Finance and Administrative Management from Saint Martin's University, I worked as a Financial Planner with Metlife Securities.
In 2005 I joined the TwinStar Financial Advisors team. I am committed to serving as a local source of sound financial information and will be happy to meet at the branch convenient for you.
Please feel free to let me know if there is additional information I can provide that is of interest to you.
Split Annuity Strategy
Here's one strategy that combines two different annuities to generate income and rebuild principal.
A Primer on Dividends
A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."
Yours, Mine and Ours: Estate Strategies for Second Marriages
Second marriages are a trigger event to revisit any existing estate strategies.
These food myths will really put a drain on your wallet.
Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.
Purchasing homeowners insurance is critical for protecting your home.
Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.
Couples may be able to head off many of the problems in a marriage that money can cause.
Marriage changes everything, including your insurance needs.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Estimate how long your retirement savings may last using various monthly cash flow rates.
Estimate the total cost in today's dollars of various mortgage alternatives.
Use this calculator to assess the potential benefits of a home mortgage deduction.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
How federal estate taxes work, plus estate management documents and tactics.
There are a number of ways to withdraw money from a qualified retirement plan.
Learn more about taxes, tax-favored investing, and tax strategies.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Using smart management to get more of what you want and free up assets to invest.
The importance of life insurance, how it works, and how much coverage you need.
Have you found yourself suddenly single? Here are 3 steps to take right now.
Are you ready for retirement? Here are five words you should consider.
Make your retirement as exciting as your next vacation.
It’s never a bad time to speak with your financial advisor about changes in your situation.
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.
Agent Jane Bond is on the case, cracking the code on bonds.