Hasenberg Hartsock Financial Group
John Hasenberg is a senior vice president for wealth management with MorganStanley SmithBarney in Washington, D.C. He works with individuals, families, business owners, corporations and non-profits. Featured services range from selecting investments to retirement planning to sophisticated estate planning. Prior to joining Smith Barney, he spent six years with A.G. Edwards, where he was a member of the firm’s President’s Council in 2005 and 2006.
Nancy Hartsock is a Financial Advisor and Financial Planning Specialist with The Hasenberg Hartsock Group at MorganStanley SmithBarney, and specializes in wealth management, financial planning, and multi-generational family work. During her years in the financial services industry, she has helped her clients reach their wealth goals through hard work and a common sense approach to successful investing. Nancy began her career in the financial services industry with AXA Advisors, LLC in 2001 prior to joining Smith Barney in 2005.
By John Hasenberg
Senior Vice President, Financial Advisor
Morgan Stanley Smith Barney
Be Inkandescent Magazine • June 2010
Simply stated, staying the course doesn’t mean driving with blinders. Investors should monitor their portfolios regularly to determine if they support and respond to their financial goals.
For years, investors have heard the mantra of investing for the long term. That is, to create a portfolio based on your goals and stick with it despite the rumblings of a fickle market or the allure of popular trends.
In theory, this is a suitable strategy for many investors, but staying the course wisely should also acknowledge the need for the occasional mandatory detour, taking on additional passengers, having fender benders and making complete about-faces. The better prepared a portfolio is to respond to these unforeseeable life events, the more likely it will be able to help you reach your desired financial destination.
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By Nancy A. Hartsock
Financial Advisor and Financial Planning Specialist
The Hasenberg Hartsock Group at MorganStanley SmithBarney
Be Inkandescent Magazine • May 2010
You may have read that tax law changes went into effect in January that made everyone eligible for a Roth IRA conversion, regardless of income level or tax filing status.
What’s so special about a Roth IRA?
The assets you are working hard to build now will become tax-free income in retirement. Rather than paying taxes when you withdraw the funds in retirement, you pay taxes on the assets when you invest in a Roth IRA.
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By John Hasenberg
Senior Vice President, Financial Advisor
Morgan Stanley Smith Barney
Be Inkandescent Magazine • April 2010
A traditional IRA here. A rollover IRA there. Four job changes (so far!) and three retirement plan account balances left in the plans of former employers.
Over the years, you may have accumulated a significant sum in various retirement accounts. While keeping those assets in various accounts at different financial institutions isn’t necessarily a bad thing, there is a strong case for consolidating them into one account with the same financial institution.
Why Consolidate? Consolidating your retirement savings, where appropriate, offers several benefits.
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By Nancy A. Hartsock
Financial Advisor and Financial Planning Specialist
The Hasenberg Hartsock Group at MorganStanley SmithBarney
Be Inkandescent Magazine • March 2010
The severe downturn of the financial markets that began in 2007 has led many investors to question their investment strategies and the choices they made in the past. Investment decisions are among the most important life choices a person can make. They may determine where your children will be able to go to college, when you’ll be able to retire, and the type of lifestyle you’ll enjoy in retirement.
For these reasons, many investors are now re-evaluating strategies, reassessing their tolerance for risk, revisiting asset allocations, and rethinking long-term financial plans.
To make sound decisions in this environment, investors should be aware of their own psychological blind spots. These can lead to persistently poor financial choices — errors that over time, can do significant damage to portfolios.
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