HB Financial Resources

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Mint Hill, NC
HB Financial Resources

At HB Financial Resources, we understand that retirees face many important decisions that can affect their long-term financial success.

Some of these decisions revolve around making investments that will help create a hedge against outliving their income, the impact of inflation, taxation, and rising healthcare costs. Because over ninety percent of our clients are retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill. We offer clients complete investment planning utilizing stocks, bonds, mutual funds, IRA(s), 401(k)s, SEP's, tax planning, as well as, life insurance and long-term health care insurance. Through strategic alliances with other professionals, we can refer our clients to companies that offer fee-based Asset Management.

4520 Mint Hill Village Lane Suite 106 | Mint Hill, NC | 28227

Securities and Investment Advisory Services offered through NEXT Financial Group, Inc. Member FINRA/SIPC ( www.FINRA.org / www.SIPC.org ) HB Financial Resources is not an affiliate of NEXT Financial Group, Inc.

11/12/2025

Social Security beneficiaries will see a 2.8% cost-of-living adjustment (COLA) in 2026 — an increase that adds about $56 a month on average to retirement benefits.

While the adjustment helps payments keep pace with inflation, it’s also renewing debate over how the annual COLA is calculated. Lawmakers are considering whether to replace the current CPI-W index, which tracks the spending of urban wage earners, with one that better reflects the spending patterns of older adults, such as higher medical and housing costs.

Experts note that changing the formula could slightly alter future adjustments, but it would also impact the program’s long-term finances. For now, the 2026 increase remains near the historical average for COLAs since 1975.

The Social Security cost-of-living adjustment for 2026 will not be a windfall for the millions of beneficiaries who rely on the program's monthly checks.

11/05/2025

From the grocery store to the café, everyday staples are getting more expensive, and economists say several key factors are to blame.

According to CBS News, global prices for beef, bananas, and coffee have climbed sharply this year. Droughts in South America have reduced crop yields, tariffs have added pressure to import costs, and higher transportation expenses are filtering through the supply chain.

Food inflation now makes up nearly 14% of total consumer price increases, affecting both households and small businesses. Experts say pricing volatility could persist as weather patterns and global trade routes continue to shift.

Americans are paying significantly more for these food staples, price inflation data shows. Will inflation ever relent?

11/03/2025

The Federal Reserve cut interest rates for the second time this year, lowering its benchmark rate to a range of 3.75%–4.00%. The move comes as policymakers weigh the economic impact of a prolonged government shutdown and slowing job growth.

The Fed also announced that it will end its balance sheet runoff in December, concluding a multi-year effort to reduce its $6.6 trillion portfolio of Treasury securities and mortgage-backed securities. Two committee members dissented: one favored a larger cut, while the other was against any reduction.

Officials said inflation remains “somewhat elevated” but noted growing risks to employment. Markets are now watching for further signals at the Fed’s December meeting, the final policy update of 2025.

The Federal Reserve on Wednesday released its interest decision following a two-day meeting.

10/23/2025

Treasury Secretary Scott Bessent says the U.S. will introduce price floors across strategic industries to counter what he called China’s “nonmarket policies.”

The plan is aimed at stabilizing industries that have struggled with China’s low-cost exports — particularly rare earth minerals, a key component in both defense and clean energy technologies. Bessent also suggested the U.S. could take equity stakes in critical resource companies and build a strategic mineral reserve.

The announcement comes as Beijing tightens rare earth export controls and the U.S. works to reduce supply chain vulnerabilities in national security and manufacturing.

China has driven foreign competitors out of business over the past two decades by using its market dominance to slash prices, Treasury Secretary Scott Bessent said.

10/21/2025

Money is one of the top sources of tension in relationships — but experts say even strong couples can stumble if they avoid key conversations.

After studying more than 60 couples, money expert Heather Boneparth found that the happiest partners share five habits:

1. They adapt when circumstances change, rather than sticking to outdated money routines.
2. They don’t dwell on financial regrets or let shame define their decisions.
3. They avoid holding past mistakes over each other’s heads.
4. They focus on shared priorities instead of constant comparison.
5. They stay honest about spending and goals, building trust through transparency.

The takeaway? Communication matters as much as cash flow. Open conversations can help partners align values and expectations — and reduce unnecessary stress around money.

"You can love each other deeply and still allow money to erode your relationship if you're talking about the wrong issues, or not talking at all," writes money expert Heather Boneparth.

Address

4520 Mint Hill Village Lane, Suite 106
Mint Hill, NC
28227

Website

http://www.hbfinancial.com/

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