Heckman Financial & Insurance Services Inc.

As a long-term investor, you’re always thinking about what factors drive your investment returns. Unfortunately, many investors focus on things that actually have no impact on long-term market returns. Learn what DOESN’T drive long-term returns in this month’s Visual Insights Newsletter.

3 Investment Distractions to Avoid Learn what doesn't drive long-term returns.

Think you know what drives long-term investment returns? Our latest Visual Insights Newsletter explores 3 common misconceptions that might be distracting investors.

Know what drives investment returns? Think again. Discover the truth in under 5 min.

Investing myths can cloud judgment. Our latest Visual Insights Newsletter examines popular ”investment factors,” exploring which may influence long-term returns. Curious? Check it out now!

Debunking Investment Myths Learn what doesn't drive long-term investment returns.

Your estate plan should simplify, not complicate. Discover 13 common mistakes and how to avoid them to ensure your intentions are clear.

13 Common Missteps That Can Impact Your Legacy Avoid these legacy planning mistakes.

Updating your estate plan is key to avoiding future headaches. But how often should you do it? Our guide reveals why frequent reviews are essential and what other mistakes to watch out for. Don’t let outdated plans compromise your intentions—discover more here.

Legacy Planning Mistakes & Ways to Avoid Them Start by learning what NOT to do.

Like a seasoned movie director, navigating your retirement through the drama of an election season requires skill, vision and a script. Our guide, ”Election Uncertainty,” provides you with the screenplay to direct your financial journey, unswayed by the plot twists in the political scene. Lights, camera, retirement! Download our guide!

Don't Let Election Drama Direct Your Retirement! From changes in tax laws that could affect retirement accounts, shifts in health care policy impacting the costs of future care, and broad economic changes that could influence the performance of the stock market, elections inevitably bring about change and uncertainty. Often, people are left feelin...

Estate planning is more than just drafting a will—it’s about avoiding pitfalls that could derail your legacy. Our latest guide breaks down 13 common mistakes in estate planning and offers practical solutions.

Legacy Planning Mistakes & Ways to Avoid Them Learn 13 ways to help protect your legacy.

Navigating election season can be as challenging as directing a ship through a storm. Don't let your retirement plans be swayed by the election winds; let our guide, ”Election Uncertainty? Don't Let the Election Rattle Your Retirement Outlook” be your compass. Set your sails and navigate the election storm! Download our guide to handle your retirement confidently!

Steer Clear of Election Whirlwinds and Prepare For Your Retirement! From changes in tax laws that could affect retirement accounts, shifts in health care policy impacting the costs of future care, and broad economic changes that could influence the performance of the stock market, elections inevitably bring about change and uncertainty. Often, people are left feelin...

Have you been meaning to start or revisit your estate plan? Here are 13 common mistakes and how to dodge them.

Go from Good Intentions––to a Great Legacy Plan This 15-minute read could change your family's future.

Elections can make the future seem uncertain, particularly when it comes to your retirement savings. But with the right guidance, you can make your retirement plan election-proof. Our guide can help you feel more confident in your plan regardless of what happens at the polls. Start learning today! Download our guide and learn how to help protect your retirement savings during election season!

Elect a Confident Retirement From changes in tax laws that could affect retirement accounts, shifts in health care policy impacting the costs of future care, and broad economic changes that could influence the performance of the stock market, elections inevitably bring about change and uncertainty. Often, people are left feelin...

How will living longer affect your retirement finances? Discover strategies to maintain stability and joy throughout your extended retirement years.

Longevity can Impact Retirement Why long(er)-term planning could help save your finances.

With increasing lifespans, retirement can last decades. Ensure your plans cover health, finances, and meaningful relationships to thrive in your golden years.

Preparing for Longevity in Retirement Here are 6 important things to consider.

The latest longevity data suggests the average 60-year-old will live to 82 (for men) and 85 (for women). How does this longevity impact retirement? And what can you do to prepare?

Longevity & Retirement Planning What could go wrong––and ways to help get it right.

How are you planning for a long(er) retirement? Here are things to consider for a happier and more secure future.

Ways to Help Plan for a Long(er) Retirement Lifespans are increasing, here are 6 things to consider.

Red carpet for the premiere of The Psychology of Retirement, a documentary that I’m an executive producer for. The movie is coming soon to Silicon Valley.

When planning a secure retirement, don't let unexpected costs catch you off guard. Check out our FREE guide to estimate your retirement expenses accurately. Let’s do it right!

The Ultimate Checklist to Help Navigate Retirement Your FREE guide is waiting to be explored.

📚 Navigating Financial Advice in the Age of Social Media: Learn about the potential pitfalls of following financial advice from social platforms in this month’s newsletter. We discuss how to use social media wisely without compromising your financial health.

Never Take $ Advice from Social Media Learn what (and who) to avoid right now.

🚣 In the wilderness of retirement, you'll encounter rivers you need to cross. Our guide provides the strategies like a sturdy boat, ensuring you reach the other side safely without getting swept away by market volatility or unexpected expenses. Dive into our free guide for a smooth sailing retirement.

The Ultimate Checklist to Help Navigate Retirement A FREE 3-part guide for your journey ahead.

💰 The Lure of Quick Riches: Our latest newsletter exposes the truth about get-rich-quick schemes that are all over social platforms. Understand the allure and the letdown of these strategies to safeguard your investments.

How a Finfluencer Can Derail Your Financial Plans Learn how to spot a scam to avoid losing big.

🛣️ Comprehensive Retirement Planning: Make your next adventure the best yet with our free guide on comprehensive retirement planning. Covering income, market, and tax strategies, it’s the key to a great retirement.

Questions about your fast-approaching retirement? This checklist is for you.

🌟 Reality vs. Representation on Social Media: Explore how social media skews financial advice and why those high-follower counts may not equate to expertise. This month's newsletter helps you discern fact from influencer fiction.

Why Using Social Media for $ Guidance is Risky See how "finfluencers" can misguide your choices.

🌄 Surviving the Retirement Wilderness: Just like a seasoned explorer, you need the right tools and knowledge to navigate the challenging terrain of retirement planning. Our free guide equips you with the essentials for a journey through the unknowns of financial forests. Ready to conquer the wilderness?

Hoping to retire in the next few years? Use this FREE checklist to help kickstart your work-free life.

🚨 The Perils of Popularity in Finance: This month's newsletter examines how social media trends can lead to poor financial decisions. From GameStop to the latest crypto craze, learn why it’s crucial to think before you click.

The Financial Risks of Social Media Learn 3 reasons to ignore that trendy "finfluencer."

Did you know that more gratitude translates to improvements in happiness, health, and relationships? Join me in shifting into a gratitude mindset with these 7 Simple Gratitude Practices. How will you (or do you already) leverage gratitude to improve your life?

Life can get better with a little gratitude every day Find out how showing more thanks can enrich your life

I have a confession: I feel more grateful (and communicate my gratitude) more at this time of year than at any other. Maybe you have the same experience. Why do our feelings of gratitude and our “thank you”s taper off after the holidays? And why does it matter? Discover how simple gratitude practices can really pay off in this month’s Visual Insights Newsletter – and join me in committing to choose (and express) more gratitude.

The Surprising Benefits of Practicing Gratitude Enjoy life more with these simple gratitude exercises

Proving some predictions will always be accurate at some point like it will rain (someday). This book is now accurate but it took 25 years not 17 as predicted.

PS: The Dow is the least representative index of the economy and not a great tool to use anymore

Can a change in mindset REALLY affect your life? The research says becoming more gratitude-focused can impact your health, happiness, and decision-making. Discover 7 Simple Gratitude Practices that shift your mindset in this month’s Visual Insights Newsletter.

How to Practice Gratitude & How It Can Make Life Better These little acts of gratitude can have big rewards

When was the last time you said, “thank you”? If you’re like most people, you may have missed almost all of the recent opportunities to express your gratitude. I know I sometimes lose these opportunities without even noticing they were open to me. Why does this matter and how can we change it? Get the run-down in this month’s Visual Insights Newsletter!

7 Simple & Transformative Gratitude Exercises These 2-min gratitude practices can change your life

🌍 Geopolitical tensions could impact markets. From Ukraine to cyberattacks, we're keeping an eye out.

What happens next for markets? Here's what savvy investors should know.