Credent Wealth Management

What does financial freedom mean to you? Whether it’s the opportunity to retire early and see the world, strengthen relationships with family and friends, or give generously without a second thought, we believe your American Dream is alive and well. To hear why and how we help clients achieve their goals and dreams, watch this message from our CEO and President, David and Stacy Hefty.

We are hiring!     Click below to learn more about our current openings in Texas, Minnesota, and Indiana.     https://lnkd.in/ghqaEuvU

Working for yourself is a challenge, and the financials can be a significant source of stress.     But whether you’re planning for your next venture, putting in the work each day, or preparing to exit after decades of investing time and money, there are foundational tips and habits to help you succeed.     This week, we discuss three stages of financial management for entrepreneurs and self-employed workers, offering advice for each phase. 

Join us in congratulating Todd Hartsough as a new partner to the firm!    By selecting him for partnership, Credent credits Todd for his commitment to the mission: To guide clients throughout life’s most important financial events with service and expertise above and beyond client expectations.     Todd holds a double major from Manchester University and an MBA from Indiana University. He joined Credent in April 2023 as a Wealth Advisor and has introduced hundreds of individuals to the power of financial planning through local seminars.    An active father and community member, Todd enjoys working on his farm, spending time with his four kids, and serving as the head coach of the Dekalb High School Boys Tennis Team, where he’s led for seven years.      Congratulations, Todd! 

Retirement shouldn't cause undue stress, yet there are a handful of concerns plaguing retirees and pre-retirees as they prepare for and navigate their golden years.     This week, we’re covering a few retirement stressors and the tools available to help you create a stress-free retirement.

Choosing to invest is a great first step, but being a good investor requires knowledge, patience, wisdom, and an understanding of a few basic principles.    This week, we’re sharing five principles most good investors know. 

True or False: The median cost of a semi-private room in a U.S. nursing home is $4,000/month. The answer – false! According to the 2023 Genworth Cost of Care Survey, a semi-private room rings up to over $8,600/month, and a private room is over $9,700/month.   Nobody likes to think about needing long-term care, but ignoring the possibility can put you and your family in a tough spot.  This week, we’re sharing four things to know when planning for the cost of long-term care.

Market volatility fuels questions – Is it time to walk away from the market? Should investors find something “safer?”     The easy answer is no, but context helps ease concerns.     This week, Chief Investment Officer Edison Byzyka responds to the current equity market volatility, helping investors understand what’s happening and how to respond. 

As you save for retirement, you must understand the options available to help you maximize what you set aside.     This week, we’re covering one vehicle, a Roth 401(k). Learn how it differs from other options, like a traditional 401(k) or a Roth IRA, and what it might look like to include a Roth 401(k) in your retirement plan. 

As you plan for your family’s financial future, don’t settle for general options if you need a more tailored solution.     This week, we’re sharing one alternative, a Special Needs Trust, and four reasons your family may find it useful.